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Technology Repaints the Payment Landscape

Great report by MIT on payments and technology

As technology-driven payment ideas give cash a run for its money, the big winners could be estab CONTENTS Technology Repaints the...…

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The Battle to Bank Millennials

We see several start-ups in this space, but seems a hard segment to crack

New generations of young and technology-savvy Americans face a highly complex and uncertain economic environment with a degree of choice...…

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Predictions for 2015 FinTech Wild and Mild

Very much like this set of trends, especially the smart contracts, which are called bitshares, although not sure bitshares will become...

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Introduction to Deep Learning with Pyth

Great explanation on deep learning

Introduction to Deep Learning with Pyth

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DISRUPTING INSURANCE: THE OTHER FINANCIAL SERVICES OPPORTUNITY

Insurance disruption, increasingly on the radar my many

In the last years, most of the focus on innovation in financial services has been, it seems, on banking (investing and lending) and...…

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Kreditech Gets $200M Credit Line To Fuel Its Big-Data Based Consumer Lending Busines

For clarification it is a credit line not equity as many think

Kreditech, the consumer finance startup that focuses on lending money to “unbanked” consumers with little or no credit rating, is today...…

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BBVA: We Wanted to Better Understand the Bitcoin Opportunity

BBVA input on their Coinbase investment

While there were many big-name participants in Coinbase’s most recent $75m funding round, perhaps no name caught more attention than BBVA...…

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What's next in adviser technology? Broker-dealer and custodian tech executives discuss the industry'

From using tech, to Big Data, interesting to see how people in the same industry see different priorities

InvestmentNews hosted a roundtable of technology executives from independent broker-dealers and custodians to learn about the biggest...…

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Cloud Mining Suffers as Hash Rate Plateaus

Mining industry is being impact by CEX.io decicion...am closely watching how this will develop in 2015

The latest bitcoin price crash has started a new debate on the long-term viability of many aspects of the mining industry. On January...…

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Big Data Startup Antuit Raises $56 Million Led By Goldman Sachs

Impressive use cases as well as client base, and momentum!

It isn’t often that we hear that an 18-month-old startup raised $56 million, Antuit, a big data startup that is headquartered in...…

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The 3Ps of blockchain: platforms, programs and protocols

Great article on blockchain

Although it may be early to baptize new buzz lingo like “Blockchain as a Service” (BaaS) or “Blockchain as a Platform” (BaaP), there is a...…

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The legal status of cryptographic currencies

Nice overview...is pretty green.

The legal status of cryptographic currencies (in particular, of bitcoin, the first decentralized cryptocurrency) varies substantially...…

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Banks Conspicuously Scarce in Supercharged Online Loan Field

In Europe banks seem to have become more active with Santander and RBS teaming up with platforms

Banks remain noticeably few and far between in the booming field of online marketplace lending. The two largest U.S. platforms in this...…

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The 16 trends by Andreessen (a16z)

the 16 trends for 2015 by Andreessen and co

To wit, the full list, with links to each partner’s write-up: Virtual Reality Sensorification of the Enterprise Machine Learning and...…

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Bill Gates Says Cellphones Are The Key To Solving Poor People's Banking Problems

Making the unbanked banked...however not via a bank

Over the next 15 years, digital banking will give over 2 billion people an unprecedented level of control over their financial assets,...…

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This Is The One App I Couldn't Live Without: Venmo

Success behind Venmo

Venmo, Here's what it looks like when you record a payment in Venmo I signed up for the money-sending service Venmo about a year ago...…

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Cap One’s Warning: ‘Near-Term’ Digital Investment Is ‘a Negative Trade’

The complexity Financial Institutions face re Digital

No one would accuse Capital One Financial Corp. of skimping on its innovation efforts and budget. Cap One was one of the first banks to...…

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Money Managers Led by Fidelity Close to Launch of Dark Pool

Effort Involves 9 Firms Including BlackRock, J.P. Morgan and BNY Mellon

Big money managers led by Fidelity Investments are close to launching a private trading venue designed to let them buy and sell large...…

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New Patent Reveals Apple is Taking Touch ID to the Cloud

Would be great step again ahead of Financial Service industry who are reluctant with cloud solutions

A new Apple patent has been published by the USPTO which reveals the transfer of Touch ID information via iCloud, as reported by...…

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How to set up a new bank: 'It'll take you longer than you think and cost more than you think'

The attacker landscape in the UK...not sure the article is complete, but tells a journey

Hampden & Co bankers explain their four-year effort to join the ranks of the challenger banks It took more than four years for Hampden...…

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Wikifolio Is As Exciting As Angel List In the Democratization of Asset Management

Low Cost Active Alpha is the “democratization of Wall Street”

I put Wikiflolio in the Low Cost Active Alpha category. This is different from Robo Advisers, which is Low Cost Passive Beta. Put in...…

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How a Fintech company could lose $200m. In one day.

Nice read on CHF/EUR

A bank can lose money because it takes risks on its balance sheet, but what about a Fintech startup that only acts as an intermediary ? ...…

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Mobile Tech innovation

Nice overview on the innovation

Mobile Technology Innovation

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What 2014 Told Us About FinTech in 2015

Some nice perspectives on 2014/2015

OmniCommerce In 2014, frictionless omniCommerce was on the cusp of becoming a reality. Competition between large retailers has driven...…

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What Exactly Do Online Investment Advisory Services Offer?

Good article and point to stop using ROBO advisor as has a negative connotation.

Among the financial industry’s latest innovations are online investment services. Essentially, these firms eliminate the costly...…

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Luxembourg wants ‘fintech’ firms

The battle for staying the preferred location for future FinTech

Pierre Gramegna, the minister of finance in Luxembourg, promised plenty of support for the Korean financial technology companies he met...…

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Hacker Says Attacks On 'Insecure' Progressive Insurance Dongle In 2 Million US Cars Could Spawn Road

Hacking vulnerability in Wealth and Insurance this week in the news

He hasn’t been doing repairs, however. Quite the opposite. Thuen, a security researcher at Digital Bond Labs who will present his...…

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Wells Fargo Leaks Its Ambitious Mobile Skunk Works

Identification and authentication seem high on agenda

JANUARY 15, 2015 BY JJ HORNBLASS What’s next from Wells Fargo & Co.’s mobile channel? Here are the internal projects Wells is...…

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Japanese bank employs robot branch workers

ROBO Advisory in wealth and branches....you wonder why you would go to a branch to meet a Robot...vs via PC or phone

Already facing competition from online and mobile channels, bank branch staff in Japan are about to come up against a new threat: mini...…

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Google in peer-to-peer lending venture

Partnerships with P2P to drive customer acquisition (e.g. Banks, Corporates, etc.). We expect more of this in 2015

Lending Club, the world’s biggest peer-to-peer lender, has launched a landmark tie-up with Google to provide small business loans to the...…

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Fintech: how legal departments at banks are driving financial innovation

Legal cost reduction and simplication opportunity in financial services.

With tech startups playing an integral role in the future of banking, innovation on the legal front can help unlock vast opportunities ...…

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Scammers Target Brokerage Accounts

The Morgan Stanley Data Breach Is a Reminder of the Big Dollars at Risk

When a client emailed Steven Dudash to say he and his family had been robbed in London, the Chicago-based financial adviser’s first...…

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Why the Silk Road trial matters

Article that sets out why it matters

A courtroom sketch of Ross William Ulbricht during an appearance at Federal Court more than a year ago in San Francisco. Vicki...…

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Atom Bank founder promises competitive savings rates and current accounts when it opens virtual door

From the executives/founders of First Direct and Metro Bank

1. Founder says digital bank will open in second-half of 2015 2. Will offer top savings rates because of low operating costs 3. More...…

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Putting compliance at the heart of fintech startups

A Big challenge for many start-ups that come out of the tech scene disrupting Financial Services

Taylor Wessing lawyer Jonathan Rogers gives fintech startups some advice on what boxes they need to tick to ensure growth and success in...…

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Capital One Acquires Budgeting App Level Money

Capital One synergetic M&A

Capital One has acquired San Francisco-based money management app, Level Money, the companies are announcing this morning. The app, which...…

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Blockchain 2.0

Good read on Blockchain2.0

From 2008 to date, no other technology has been the subject of such fervent debate. Irrespective of your opinion, the rise in popularity...…

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Side By Side financials of Wealth Attackers

Good set of side by side figures for Wealthfront, Betterment and Personal Capital

Personal Capital Crosses $1B AUM As Tech-Augmented-Human Advisor Revenue Outpaces All Other Robo-Advisors Combined available to...…

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New Clues on Google’s Plans for Insurance

Google on Insurance

The Google Compare auto insurance shopping site has been up and running in the United Kingdom for two years. The insurance industry...…

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Millennials use tech tools to jump into investing

Some of the findings

  • Most under age 35 and between 55 and 64 prefer online tools for their investing.
  • Nearly half -- 44 percent -- of...
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    The Four Horsemen Of The Cyber Apocalypse

    The 400 Bn cybertattack problem

    Shlomi Boutnaru is the CTO and co-founder of predictive cyber-security startup CyActive. If 2014 did anything good for cybersecurity,...…

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    Inside the Dark, Lucrative World of Consumer Debt Collection

    Interesting read of Consumer Debt

    In the murky world of unpaid-bills, a banker and an ex-con can make a fortune — if they don’t run into too many crooks. So how, Siegel...…

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    Personal Capital Now Manages Over One Billion Dollars

    Good overview of another start-up by the paypal mafia and how they compete in wealth

    The investing world has been slow to change – from branches and offices to online access – from once-a-quarter paper statements to...…

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    Leveraging Your Social Network to reduce interest rates

    Another start-up from the PayPal maffia

    Vouch Financial, a social lending startup founded by ex-PayPal and ex-Prosper alumni offering customers loans with lower interest rates,...…

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    How Cell Phones Are Revolutionizing Access to Financial Services

    Mobile is accelerating access to banking especially in emerging markets....will start with payments and lending

    Across the Global North, online banking solidifies its dominance and apps like Venmo simplify mobile payments. In the Global South,...…

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    Th Bitstamp story....why they lost 19000BTC

    Th BitStamp story....why they lost 19000BTC...blog go the founder, explaining what happened

    WHAT HAPPENED? On January 4th, some of Bitstamp’s operational wallets were compromised, resulting in a loss of less than 19,000 BTC....…

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    Data-driven predictions for 2015

    Interesting set of implications of the shift among retailers due to online offering....for now we have seen little of that in Financial...

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    The Surprising Facts About Who Shops Online And On Mobile

    Interesting set of facts on online and offline commerce.

    COOPER SMITH JAN. 9, 2015, 2:15 PM 634 FACEBOOK LINKEDIN TWITTER GOOGLE+ PRINT EMAIL BI Intelligence In the first...…

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    Here's How The Economic Center Of The World Moved Over The Past 2,000 Years

    If the Economic power is shifting east....would expect that Innovation center also shifts east.

    While the US has recently seen signs of impressive economic acceleration, one of the most important long-term trends of the 21st century...…

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    Mobile Payments Are Poised To Explode This Year Thanks To Mainstream Adoption Of Apple Pay And Simil

    Mobile Payment forecasts...expect to see big differences among countries

    Mobile payments — the use of phones to complete transactions in stores instead of cash and physical card swipes — are going to grow much...…

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    2014: The year fintech became a thing

    Good article by CEO of CurrencyCloud on the emergence of FinTech in 2014

    STORY SUMMARY Fintech had an impressive year in 2014 and looks to continue to grow in 2015. Mike Laven looks at developments such as the...…

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    Overview of the Consumer FinTech

    Nice overview along the traditional lines of how banking needs are organized. We combine the needs with the tech disruptors (e.g....

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    Using Behavioral Analytics in Banks’ Digital

    Two nice practical examples of how to use behavioral analytics for collections and multichannel interaction management

    Many banks plan to further invest in digital in 2015. The key is to give customers what they need, not only what they say they need....…

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    PayPal Here Unveils (Square Killer) Promo

    Following a phase of innovation, growth the battle among innovators starts...which will bring margins down

    PayPal yesterday unveiled its new PayPal Here promo, and its message is clear: PayPal Here is trying to kill Square. Beyond offering...…

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    Sedicii Settles on Suite of 3 Products

    Expect to see many more Identity management companies succeed in 2015! Key space to get right in a digital world

    Identity verification company Sedicii has had a busy year since participating in Bank Innovation‘s DEMOvation Challenge in Seattle last...…

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    The Sudden Shift In SaaS Product Pricing

    Clearly SaaS started with the big tickets, if Financial Start to open up for SaaS and Cloud would be a big opportunity for averages to...

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    HBR - The Tech Trends You Can’t Ignore in 2015

    Deep learning, Smart Virtual Assistants, Uber/Apple like processes into new sectors, oversight for algorithms, Blockchain

    Is your company poised to build the next Uber? Have you started imagining how cryptocurrencies could be used to shore up your company’s...…

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    A Brief Survey Of The Block Chain And Business Processes

    Good simple read and overview of blockchain and some of its underlying and caveats

    This post is meant to be a simple, brief survey of the block chain, from the point of view of an investor in the space. For someone who...…

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    Banks in emerging markets lead innovation

    85% of Banks increase investment in innovation, Emerging markets lead the way. Also interesting to see that Financial Institutions are...

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    11 Insights from 2 Years of Fintech Investments

    Nice set of analysis of the FinTech trends and ecosystem

    InvestmentsPosted in Analytics, cloud, Commerce, Fintech, Mobile Wallet, Payment Gateways, Payments, Remittance, Settlement By Ray On...…

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    Bitcoin Is Getting Smoked To Start The New Year

    Even the biggest fans of BitCoin are aligned that focus will shift....big question being debated is whether this will be to make the...

    Read More…
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