Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
The TD Ready Challenge – Application Deadline July 27
The TD Ready Challenge
The TD Ready Challenge is an annual North American initiative that has up to ten $1 million (CAD) grants available to catalyze innovative solutions for a changing world. Recipients will be organizations that have scalable solutions that will help open doors for a more inclusive and sustainable tomorrow.
This new signature initiative, created and funded by TD, is a key component to delivering on the bank’s new corporate citizenship platform, The Ready Commitment.
Each year, the TD Ready Challenge will invite eligible organizations to submit applications that offer solutions for a problem statement that is connected to one of the four drivers of change of the Ready Commitment: Financial Security, Vibrant Planet, Connected Communities and Better Health. The 2018 TD Ready Challenge Problem Statement focuses on Financial Security.
See: Most small business owners can’t pass a basic financial test
The 2018 Problem Statement: Financial Security
Technological acceleration is both an opportunity and a threat to financial security. The digital age has transformed the nature of work as employers continue to invest in technology and automation. In addition, part-time contracts and the gig economy have increasingly made income volatility a reality for many. These shifts create an urgent need to rethink skills development that will increase income stability and nurture a more inclusive economy.
How can your organization address the problem statement?
We know that the changing nature of work is a growing issue, but we’re confident that there are scalable solutions. That is why the 2018 TD Ready Challenge seeks to provide financial support to up to 10 eligible organizations with innovative solutions focused on helping create greater income stability in a changing world. TD welcomes solutions that will help prepare people for the economy of the future so that everyone can thrive.
The Grants:
Up to 10 one-time (CAD) $1 million grants are available.
Application Deadline: July 27,2018
View application requirements and details --> here
Click for News:
OECD Forum Network | James Bessen | Jan 24, 2023 For all the talk of disruptive innovation, start-ups have become less likely to displace dominant industry leaders because the new technology has become much more proprietary Large firms across many industries are hiring to build a new generation of systems to meet heterogeneous customer needs. These systems have made leading firms more dominant in their markets, suppressing the risk of disruption and slowing the growth of innovative rivals. These systems also contributed to the slowdown in productivity growth, to increased social division, and to an increasing inability of government to regulate major firms. Walmart systems manage over 100,000 items per store—far more than traditional department stores, they adjust inventory to respond quickly to changing consumer demand, and they use advanced logistics to get these items to the stores quickly and efficiently. Amazon, of course, handles an order of magnitude greater selection. Big banks use extensive consumer transaction data to tailor offers of credit card and home equity lines to individual borrowers and to target the marketing to them. Google and Facebook provide data-driven targeting of Internet advertising. Automobiles and airplanes are now built on large software systems that provide unprecedented ...
Read More
Sifted | Molly Johnson-Jones | Jan 31, 2023 As the funding slowdown hits startups and the global economy teeters on the brink of recession, hiring decisions have never been more important. Hiring Situation: Get them right and you’ll gain talent that can crucially broaden your team’s skill set, add new perspectives and help fuel growth despite economic challenges. Get them wrong and you could face a revolving door of employees, sinking countless hours into continuously interviewing candidates and onboarding new joiners. How to grow your team with literally no recruitment spend....: See: 58 Must-Read Remote Work Resources | 50 Great Remote Working Resources Publish a salary band along with job description - Pay transparency is also fundamental to the fight for pay equality — something that is starting to shift in Europe. Use social media to showcase company culture - According to a 2021 survey conducted by LinkedIn, 63% of professionals say work-life balance is a top priority when picking a new job and 40% identify colleagues and culture as a top consideration. But don’t just tell employees what working for you looks like — show them. Get employees sharing about their working environment: There’s no better way to illustrate your working ...
Read More
Guest Post | Jan 31, 2023 The global pandemic has left many people in dire financial straits. Therefore, most of the leading companies put themselves in the shoes of their customers and suspended debt collections, reduced or canceled interest rates, and lowered prices. However, they also need to restore and stabilize their income. Therefore, debt collection is resumed. According to what strategies to implement them and how to effectively work with debtors - read on. The best ways to collect the debt in 2023 According to the statistic, the average US household has $15,000 in credit card debt. This is a colossal amount and loads of work for financial companies. Create an information hub for customers Having complete information about each client makes it easier for company employees to work with them. These are data on payables and receivables, balances, etc. However, this data must be verified, accurate, and constantly updated. Definition of the communication channel Properly configured communication with the client allows you to create effective cooperation. You can communicate with a person using messages, calls, and e-mail. However, it is better to discuss these communication pitfalls in advance, because, with the appearance of a large number of scammers, ...
Read More
Guest Post | Jan 30, 2023 AI is disrupting the web development industry in a number of ways, from automated code generation to predictive design and personalization. One of the most significant ways in which AI is impacting the industry is through the use of AI content detection tools. These tools are revolutionizing the way in which web developers and content creators detect, analyze and manage website content, making it faster, easier, and more cost-effective to identify the authenticity of the content. Introduction The web development industry is constantly evolving, and with the advent of AI, it is now entering a new era of automation and optimization. AI is transforming the way in which web developers create and manage websites, providing new opportunities for innovation and efficiency. In this article, we will explore how AI is disrupting the web development industry, with a focus on the use of AI content detection tools and its impact on digital content authenticity. Automated Code Generation AI is also being used to automate the code generation process, which can save web developers a significant amount of time and effort. AI-powered code generators can analyze a website's design and functionality, and then generate the necessary ...
Read More
Capgemini | Nilesh Vaidya | Jan 30, 2023 Top Trends in Payments 2023 contains Capgemini’s perspectives on the top 10 trends for the months ahead We anticipate widespread opportunity for innovation and growth. Trends include payment providers’ customer-centricity strategies such as buy-now/pay-later and embedded finance, data-safeguarding tokenization, and sustainability protocols focused on eco-friendly payment modes. Also on the radar screen are changing industry dynamics brought on by composable architecture and payment hub modernization, among other actions. See: Payments Canada Report: Rebound & Grow – Payment Methods and Trends in 2021 Included Trends BNPL momentum continues despite post-pandemic macroeconomics Embedded finance is leveraging customer data to find new use cases Global adoption of ISO 20022 opens doors to data modernization Central banks gearing up to pilot and implement CBDCs Composable architecture leads to competitive efficiencies Real time cross border payments will improve speed and volume of regional trade End-to-end ecosystems are simplifying payment moderatization Paytech innovation and partnerships seeking to revamp SMB payments Tokenization for scalable and secure payment infrastructure Eco-friendly cards, digital payments, and cloud-based payment hubs will boost sustainability Continue to the full article --> here Download the 34 page PDF --> here The National Crowdfunding & Fintech Association ...
Read More
Richard Branson's LinkedIn Newsletter | Jan 30, 2023 What advice do you have for ‘dadpreneurs’, and how do you balance being a great dad with building a great business? People first: One of the best things about being an entrepreneur is the freedom to work in a way that is best for you. As more people and businesses breakaway from the 9-5 mould, you should be as flexible as possible to find a routine that works for you and your family. It sets a good example as a leader, as it demonstrates that it’s OK to be human, and people should always come first. Understand yourself and values: Most founders start businesses from a place of passion. They’re motivated to want to be their own boss, to bring something to life or to solve a problem they see in the world. Being an entrepreneur is part of who they are and their own personal purpose. Having children can turn that on its head and change your outlook. Be sure to check back in with yourself, relook at your values and purpose and ensure the entrepreneurial journey is right for you. See: How Entrepreneurs Can Manage Their Mental Health Establish limits: ...
Read More
Kramer Levin | Jan 23, 2023 As the applications for NFTs grow, the legal considerations expand, particularly when the NFTs are used in ways that touch on multiple areas of the law. Creative work NFTs: NFTs are associated with a particular work, be it an image, video, music, or writing (currently the most popular use case) The most typical legal issues with these NFTs involve contract law and IP licensing in copyrights and trademarks. Any rights to the copyrighted art must be sold or explicitly licensed to the NFT purchaser to be properly conveyed. For example, there may be issues on what rights are provided to the person who holds the NFT, including whether they can commercially exploit the art and, if so, what limitations are placed on this usage. Failure to notify a purchaser of what rights they are obtaining can lead to confusion because purchasers of NFTs often assume they are buying full ownership the actual artwork and can do what they want with them, such as exploit the artwork commercially. A new and rapidly expanding consideration is when an NFT is generated in whole or part by artificial intelligence (AI). There may also be the layering of ...
Read More
Aftermath Islands | Release | Jan 27, 2023 An average of over 10,000 Resource Pack NFTs were generated daily for Aftermath Islands very first Play-to-Earn title, bringing a world of new opportunities and experiences to users Aftermath Islands Metaverse is a virtual world of highly realistic theme-based islands, communities, and estates where players can access and participate in a wide range of engaging, entertaining, and interactive activities and experiences. The platform’s player Clubhouse and Events Pavilion has been formally launched, just as Aftermath Islands surpassed the 1.1 million Resource Pack NFT generating milestone for its first Play-to-Earn title, Lost Kingdom of T’Sara (LKoT) in under 100 days after launch. LKoT Resource Pack NFTs represent real ownership of items that can be used in different ways in the platform to create unique items for their personal use or to trade within the Metaverse. See: Proof of Humanity: Aftermath Islands Metaverse Launches Blockchain-based Facial Recognition Aftermath Islands is effectively bridging the gaps between real-world and virtual activities across entertainment, education, income generation, collaboration, and more. When players enter play.aftermathislands.com, they can delve into the live early version of the platform. It delivers an exemplary and highly realistic virtual environment where players will ...
Read More
Jan 30, 2023 Gambling is a thrilling and exciting pastime that many people enjoy. Whether you’re a seasoned pro or a newcomer to the world of online casinos, there are plenty of benefits to starting at a minimum deposit casino. Therefore, let’s explore some key advantages of playing at these types of casinos and where you can find the best minimum deposit casinos online. The benefits of minimum deposit casinos Here are a few benefits of playing on minimum deposit casinos: 1. Low barrier to entry It means you can start playing with very little money, making it easy to try out different games and find the ones you enjoy the most. This is particularly useful for new players who are still learning the ropes and those on a tight budget. 2. Bonuses and promotions These can include free spins, free money, free play, and other rewards that can help you get the most out of your gambling experience. These bonuses and promotions can be a great way to boost your bankroll and increase your chances of winning. 3. Access to a wide range of games This can include everything from classic slots and table games to live dealer games ...
Read More
Crowdfund Insider | JD Alois | Jan 25, 2023 SongBits.com is a new platform that is planning to launch later this year that will allow users to invest in “a bit of a song from world-class artists.” Investors may then share in the song’s streaming revenues for life, according to the company. A private launch is taking place at the end of this week where invitees may choose to purchase “bits” of songs by DJ, Ashley Wallbridge. See: Fund Tokenization: Fractional Issuance, Streamlined Redemption, and Servicing Benefits How does it work (from their website)? Owning a bit has three clear benefits over just listening to a song: firstly, you receive a share of the song’s streaming revenue each and every time the song is streamed worldwide on Spotify, Apple Music, YouTube, Amazon, and more. Secondly, a purchase often comes with additional exclusive benefits such as exclusive shows, tickets, downloads, merch or other cool stuff depending on the artist. Finally, in addition to the benefits of actually owning a bit of a great song and all the bragging rights that go with that, you are able to gift your bits to someone else or even re-sell them at a later date ...
Read More
OECD Forum Network | James Bessen | Jan 24, 2023 For all the talk of disruptive innovation, start-ups have become less likely to displace dominant industry leaders because the new technology has become much more proprietary Large firms across many industries are hiring to build a new generation of systems to meet heterogeneous customer needs. These systems have made leading firms more dominant in their markets, suppressing the risk of disruption and slowing the growth of innovative rivals. These systems also contributed to the slowdown in productivity growth, to increased social division, and to an increasing inability of government to regulate major firms. Walmart systems manage over 100,000 items per store—far more than traditional department stores, they adjust inventory to respond quickly to changing consumer demand, and they use advanced logistics to get these items to the stores quickly and efficiently. Amazon, of course, handles an order of magnitude greater selection. Big banks use extensive consumer transaction data to tailor offers of credit card and home equity lines to individual borrowers and to target the marketing to them. Google and Facebook provide data-driven targeting of Internet advertising. Automobiles and airplanes are now built on large software systems that provide unprecedented ...
Read More
Read More
Sifted | Molly Johnson-Jones | Jan 31, 2023 As the funding slowdown hits startups and the global economy teeters on the brink of recession, hiring decisions have never been more important. Hiring Situation: Get them right and you’ll gain talent that can crucially broaden your team’s skill set, add new perspectives and help fuel growth despite economic challenges. Get them wrong and you could face a revolving door of employees, sinking countless hours into continuously interviewing candidates and onboarding new joiners. How to grow your team with literally no recruitment spend....: See: 58 Must-Read Remote Work Resources | 50 Great Remote Working Resources Publish a salary band along with job description - Pay transparency is also fundamental to the fight for pay equality — something that is starting to shift in Europe. Use social media to showcase company culture - According to a 2021 survey conducted by LinkedIn, 63% of professionals say work-life balance is a top priority when picking a new job and 40% identify colleagues and culture as a top consideration. But don’t just tell employees what working for you looks like — show them. Get employees sharing about their working environment: There’s no better way to illustrate your working ...
Read More
Read More
Guest Post | Jan 31, 2023 The global pandemic has left many people in dire financial straits. Therefore, most of the leading companies put themselves in the shoes of their customers and suspended debt collections, reduced or canceled interest rates, and lowered prices. However, they also need to restore and stabilize their income. Therefore, debt collection is resumed. According to what strategies to implement them and how to effectively work with debtors - read on. The best ways to collect the debt in 2023 According to the statistic, the average US household has $15,000 in credit card debt. This is a colossal amount and loads of work for financial companies. Create an information hub for customers Having complete information about each client makes it easier for company employees to work with them. These are data on payables and receivables, balances, etc. However, this data must be verified, accurate, and constantly updated. Definition of the communication channel Properly configured communication with the client allows you to create effective cooperation. You can communicate with a person using messages, calls, and e-mail. However, it is better to discuss these communication pitfalls in advance, because, with the appearance of a large number of scammers, ...
Read More
Read More
Guest Post | Jan 30, 2023 AI is disrupting the web development industry in a number of ways, from automated code generation to predictive design and personalization. One of the most significant ways in which AI is impacting the industry is through the use of AI content detection tools. These tools are revolutionizing the way in which web developers and content creators detect, analyze and manage website content, making it faster, easier, and more cost-effective to identify the authenticity of the content. Introduction The web development industry is constantly evolving, and with the advent of AI, it is now entering a new era of automation and optimization. AI is transforming the way in which web developers create and manage websites, providing new opportunities for innovation and efficiency. In this article, we will explore how AI is disrupting the web development industry, with a focus on the use of AI content detection tools and its impact on digital content authenticity. Automated Code Generation AI is also being used to automate the code generation process, which can save web developers a significant amount of time and effort. AI-powered code generators can analyze a website's design and functionality, and then generate the necessary ...
Read More
Read More
Capgemini | Nilesh Vaidya | Jan 30, 2023 Top Trends in Payments 2023 contains Capgemini’s perspectives on the top 10 trends for the months ahead We anticipate widespread opportunity for innovation and growth. Trends include payment providers’ customer-centricity strategies such as buy-now/pay-later and embedded finance, data-safeguarding tokenization, and sustainability protocols focused on eco-friendly payment modes. Also on the radar screen are changing industry dynamics brought on by composable architecture and payment hub modernization, among other actions. See: Payments Canada Report: Rebound & Grow – Payment Methods and Trends in 2021 Included Trends BNPL momentum continues despite post-pandemic macroeconomics Embedded finance is leveraging customer data to find new use cases Global adoption of ISO 20022 opens doors to data modernization Central banks gearing up to pilot and implement CBDCs Composable architecture leads to competitive efficiencies Real time cross border payments will improve speed and volume of regional trade End-to-end ecosystems are simplifying payment moderatization Paytech innovation and partnerships seeking to revamp SMB payments Tokenization for scalable and secure payment infrastructure Eco-friendly cards, digital payments, and cloud-based payment hubs will boost sustainability Continue to the full article --> here Download the 34 page PDF --> here The National Crowdfunding & Fintech Association ...
Read More
Read More
Richard Branson's LinkedIn Newsletter | Jan 30, 2023 What advice do you have for ‘dadpreneurs’, and how do you balance being a great dad with building a great business? People first: One of the best things about being an entrepreneur is the freedom to work in a way that is best for you. As more people and businesses breakaway from the 9-5 mould, you should be as flexible as possible to find a routine that works for you and your family. It sets a good example as a leader, as it demonstrates that it’s OK to be human, and people should always come first. Understand yourself and values: Most founders start businesses from a place of passion. They’re motivated to want to be their own boss, to bring something to life or to solve a problem they see in the world. Being an entrepreneur is part of who they are and their own personal purpose. Having children can turn that on its head and change your outlook. Be sure to check back in with yourself, relook at your values and purpose and ensure the entrepreneurial journey is right for you. See: How Entrepreneurs Can Manage Their Mental Health Establish limits: ...
Read More
Read More
Kramer Levin | Jan 23, 2023 As the applications for NFTs grow, the legal considerations expand, particularly when the NFTs are used in ways that touch on multiple areas of the law. Creative work NFTs: NFTs are associated with a particular work, be it an image, video, music, or writing (currently the most popular use case) The most typical legal issues with these NFTs involve contract law and IP licensing in copyrights and trademarks. Any rights to the copyrighted art must be sold or explicitly licensed to the NFT purchaser to be properly conveyed. For example, there may be issues on what rights are provided to the person who holds the NFT, including whether they can commercially exploit the art and, if so, what limitations are placed on this usage. Failure to notify a purchaser of what rights they are obtaining can lead to confusion because purchasers of NFTs often assume they are buying full ownership the actual artwork and can do what they want with them, such as exploit the artwork commercially. A new and rapidly expanding consideration is when an NFT is generated in whole or part by artificial intelligence (AI). There may also be the layering of ...
Read More
Read More
Aftermath Islands | Release | Jan 27, 2023 An average of over 10,000 Resource Pack NFTs were generated daily for Aftermath Islands very first Play-to-Earn title, bringing a world of new opportunities and experiences to users Aftermath Islands Metaverse is a virtual world of highly realistic theme-based islands, communities, and estates where players can access and participate in a wide range of engaging, entertaining, and interactive activities and experiences. The platform’s player Clubhouse and Events Pavilion has been formally launched, just as Aftermath Islands surpassed the 1.1 million Resource Pack NFT generating milestone for its first Play-to-Earn title, Lost Kingdom of T’Sara (LKoT) in under 100 days after launch. LKoT Resource Pack NFTs represent real ownership of items that can be used in different ways in the platform to create unique items for their personal use or to trade within the Metaverse. See: Proof of Humanity: Aftermath Islands Metaverse Launches Blockchain-based Facial Recognition Aftermath Islands is effectively bridging the gaps between real-world and virtual activities across entertainment, education, income generation, collaboration, and more. When players enter play.aftermathislands.com, they can delve into the live early version of the platform. It delivers an exemplary and highly realistic virtual environment where players will ...
Read More
Read More
Jan 30, 2023 Gambling is a thrilling and exciting pastime that many people enjoy. Whether you’re a seasoned pro or a newcomer to the world of online casinos, there are plenty of benefits to starting at a minimum deposit casino. Therefore, let’s explore some key advantages of playing at these types of casinos and where you can find the best minimum deposit casinos online. The benefits of minimum deposit casinos Here are a few benefits of playing on minimum deposit casinos: 1. Low barrier to entry It means you can start playing with very little money, making it easy to try out different games and find the ones you enjoy the most. This is particularly useful for new players who are still learning the ropes and those on a tight budget. 2. Bonuses and promotions These can include free spins, free money, free play, and other rewards that can help you get the most out of your gambling experience. These bonuses and promotions can be a great way to boost your bankroll and increase your chances of winning. 3. Access to a wide range of games This can include everything from classic slots and table games to live dealer games ...
Read More
Read More
Crowdfund Insider | JD Alois | Jan 25, 2023 SongBits.com is a new platform that is planning to launch later this year that will allow users to invest in “a bit of a song from world-class artists.” Investors may then share in the song’s streaming revenues for life, according to the company. A private launch is taking place at the end of this week where invitees may choose to purchase “bits” of songs by DJ, Ashley Wallbridge. See: Fund Tokenization: Fractional Issuance, Streamlined Redemption, and Servicing Benefits How does it work (from their website)? Owning a bit has three clear benefits over just listening to a song: firstly, you receive a share of the song’s streaming revenue each and every time the song is streamed worldwide on Spotify, Apple Music, YouTube, Amazon, and more. Secondly, a purchase often comes with additional exclusive benefits such as exclusive shows, tickets, downloads, merch or other cool stuff depending on the artist. Finally, in addition to the benefits of actually owning a bit of a great song and all the bragging rights that go with that, you are able to gift your bits to someone else or even re-sell them at a later date ...
Read More
Read More
The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with cryptocurrency, blockchain, crowdfunding, alternative finance, fintech, P2P, ICO, STO, and online investing stakeholders globally. NCFA Canada provides education, research, industry stewardship, services, and networking opportunities to thousands of members and subscribers and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding and fintech industry. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: ncfacanada.org
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