This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives. Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio a “keyless” non-custodial bitcoin and cryptocurrency wallet, that lets users manage bitcoin and crypto, without private keys or passwords and Weekly Columnist at Daily Fintech) @iliashatzis […]

The post This Week in Fintech ending 15 October 2021 appeared first on Daily Fintech.

This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives. Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio a “keyless” non-custodial bitcoin and cryptocurrency wallet, that lets users manage bitcoin and crypto, without private keys or passwords and Weekly Columnist at Daily Fintech) @iliashatzis […]

The post This Week in Fintech ending 8 October 2021 appeared first on Daily Fintech.

Yes, we are in the final quarter of 2021, fall/autumn fashions and weather and the last 3 months for businesses to show results and our experts have been working hard to bring you their insights based on their experience as investors, entrepreneurs & executives. Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio […]

The post This Week in Fintech ending 1st October appeared first on Daily Fintech.

This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives. Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio a “keyless” non-custodial bitcoin and cryptocurrency wallet, that lets users manage bitcoin and crypto, without private keys or passwords and Weekly Columnist at Daily Fintech) @iliashatzis […]

The post This Week in Fintech ending 24 September 2021 appeared first on Daily Fintech.

This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives. Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio a “keyless” non-custodial bitcoin and cryptocurrency wallet, that lets users manage bitcoin and crypto, without private keys or passwords and Weekly Columnist at Daily Fintech) @iliashatzis […]

The post This Week in Fintech ending 17 September 2021 appeared first on Daily Fintech.

This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives.

Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto.

Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer.

Jessica Ellerm is CEO of Zuper Superannuation & previously worked for a top Fintech startup, Tyro.

Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners.

Bernard Lunn is CEO of Daily Fintech and author of The Blockchain Economy.

If you want to continue receiving This Week in Fintech, you can either become a paying Member for $143 per year (and receive all our content in addition to this weekly summary) by clicking here.  If you just want to receive This Week in Fintech for free, you will need to fill in this form. Or fill in the same sign up form at the bottom of this post.

Your Editor is Bernard Lunn. He is also the CEO of Daily Fintech and author of The Blockchain Economy.

Monday Ilias Hatzis @iliashatzis our Greece-based crypto entrepreneur (Founder & CEO at Mercato Blockchain Corporation AG and Weekly Columnist at Daily Fintech) wrote Bitcoin Bears vs Bulls

Bitcoin started the year with a bang. In the last 24 hours it went up 3%, topping $9,000. The entire week has been exciting week, with one rally after another feeding the bulls. Bitcoin has exploded by over 30% since January 1, and we’re just a couple of weeks into 2020. What a difference from what happened in January 2018. Market watchers are pointing to Bitcoin’s halving as the catalyst for the next big price push. 

Editor note: Ilias looks at many factors such as halvening and Chinese New Year behind the Bitcoin Bears vs Bulls market tug of war.

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Tuesday Efi Pylarinou @efipm our Swiss-based Fintech Adviser,  founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019 wrote A Fintech side-effect: Excessive Corporate Control by the Big Three

The growth of the ETF sector is well documented and the robo-advisory fintech growth merits a piece of this `success`. According to my estimates, last year digital investing from startups and incumbents represented roughly 12% of the entire ETF market. This is of course, is from the point of investors’ point of view. Earlier this month I looked at facts and figures for ETF issuers.

Editor note: Platforms tend to dominance based on network effects. Yet the extent of dominance in ETFs is surprising. As Efi points out “‘The Big Three` are the largest shareholders in 40% of all publicly traded stocks in the US”. Her conclusion that “We need more fintechs innovating in the shareholder voting process” seems like a problem amenable to technology and a creative entrepreneur. Watch this space. 

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Wednesday Jessica Ellerm @jessicaellerm, our Australia-based Fintech entrepreneur and thought leader specializing in Small Business and the Gig Economy & CEO/Co-Founder of Zuper, a new superannuation startup in Australia wrote Green Home Loans A Reality Downunder

The world must go green. How green is probably a debatable question, but slowly the tide is turning towards renewables and fossil fuel alternatives, with many hard-nosed climate conservatives even beginning to thaw on the issue.

Finance has a huge role to play in this greenification of the world. In Australia, companies like Ratesetter are leading the way in helping consumers access finance specifically to help fund the purchase and/or installation of an Approved National Clean Energy Product. This includes air source heat pumps, batteries for solar systems, energy efficient air conditioning, low energy lighting, hybrid cars and trucks, solar panels and much more.

Editor note: The awful reality of the fires in Australia has put some green initiatives onto the front burner, not the worthy but ignorable back burner of the past.

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Thursday Patrick Kelahan @insuranceeleph1, our US based Insurtech expert (a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners who also serves the insurance and Fintech world as the ‘Insurance Elephant’) wrote Blueprint One- a building plan for a Lloyd’s digital/culture change decade, or pie in the culture change sky?

It’s really a tour de force, the 146 page Blueprint One recently released by leadership at Lloyd’s, a detailed road map for the staff and approximate ninety syndicate players that comprise the firm, its reinsurers, customers, associated MGAs, vendors, brokers and agents.  Plans, flow charts and implementation strategy that are planned for the next two years, with all the new moving parts in synch by close of 2022.  Oh, and did I mention the £35 billion in annual premiums that the organization generates through its stakeholders?  Bold plans for a three-hundred-year tenure organization.  And there is the unmentioned tension- an entrenched business model planning to evolve into an agile, cutting edge tech leader.

Editor note: Lloyd’s is a fascinating entity in Insurance, more ecosystem than traditional corporate and a great way of insuring big complex risk. How they change is a critical part of the transformation of Insurance. How they build the technology will determine success IMHO.

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Friday  Bernard Lunn, CEO of Daily Fintech and author of The Blockchain Economy, wrote: Security Token news for Week ending 24 January 2020

Editor note: This weekly snapshot is the news that matters for busy senior people in the Security Token market.

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To continue receiving ‘This Week in Fintech’, the weekly recap of our articles, you will need to fill this form to give us consent to send this to you. Please note that Daily Fintech requires your organizational email address (e.g. corporate, educational or government) and your LinkedIn URL. This information is required for subscribers who want ‘This Week in Fintech’ for free. If you prefer to not provide this information, you can still receive all our content by becoming a paying member.

The post This Week in Fintech 24 Jan appeared first on Daily Fintech.

This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives.

Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto.

Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer.

Jessica Ellerm is CEO of Zuper Superannuation & previously worked for a top Fintech startup, Tyro.

Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners.

Bernard Lunn is CEO of Daily Fintech and author of The Blockchain Economy.

If you want to continue receiving This Week in Fintech, you can either become a paying Member for $143 per year (and receive all our content in addition to this weekly summary) by clicking here.  If you just want to receive This Week in Fintech for free, you will need to fill in this form. Or fill in the same sign up form at the bottom of this post.

Your Editor is Bernard Lunn. He is also the CEO of Daily Fintech and author of The Blockchain Economy.

Monday Ilias Hatzis @iliashatzis our Greece-based crypto entrepreneur (Founder & CEO at Mercato Blockchain Corporation AG and Weekly Columnist at Daily Fintech) wrote What could kill Bitcoin?

Defining what life is has always been a challenge. Scientists and philosophers have come up with many definitions to differentiate the living from the non-living. Are viruses alive? DNA molecules? Computer viruses? The inventor of cryptographic hashing, Ralph Merkle, has made the argument that “Bitcoin is the first example of a new form of life.” If something is alive, then it can be killed. Over the years, Bitcoin has survived technical attacks, internal conflict and outside criticism. Bitcoin has shown a quality that goes beyond resilience, that doesn’t just withstand the shocks, but improves when facing volatility, randomness, disorder and uncertainty. Bitcoin has an “antifragility” quality. But is there Bitcoin kryptonite? Can something kill Bitcoin?

Editor note: Ilias looks at why so many ways people predicted Bitcoin will fail have proved wrong. Takeaway: buy and Hodl. 

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Tuesday Efi Pylarinou @efipm our Swiss-based Fintech Adviser,  founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019 wrote Blockchain Thematic ETFs from the West to the East

Listing on exchanges continues to dominate. Whether listing on regulated or unregulated Centralized exchanges (CEX) or Decentralized exchanges (DEX) of any sort; this has not changed at all for assets.

Brian Armstrong, the CEO of Coinbase, in his New Year medium post, foresees that we will be moving from a predominantly trading & speculation phase of cryptocurrencies and Tokens of all sorts, to a phase of actually Using Tokens.

In the meantime, however, incumbents and startups continue building all the necessary infrastructure to issue, custody, settle and clear, trade and invest of all sorts of digital assets.

Editor note: Efi’s Post is a great resource for anybody who invests in publicly traded Blockchain companies. 

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Wednesday Jessica Ellerm @jessicaellerm, our Australia-based Fintech entrepreneur and thought leader specializing in Small Business and the Gig Economy & CEO/Co-Founder of Zuper, a new superannuation startup in Australia wrote Australia’s Open Banking Dream Drifts Away

It would seem Australia’s hopes of having a quickly implemented open banking regime are fading fast, if not completely transparent already. An already delayed start date of February 2020 has been pushed out to July 2020, causing much consternation in the startup community, as fintechs continue to battle with unpredictability around the regime.

Editor note: Jessica’s post describes startup frustration with the delays in open banking access. 

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Thursday Patrick Kelahan @insuranceeleph1, our US based Insurtech expert (a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners who also serves the insurance and Fintech world as the ‘Insurance Elephant’) wrote Addressing some symptoms of insurance issues, and not the underlying causes?

There’s an odd contradiction in some of what the insurance industry does; the industry is built on predicting risk and strategizing risk sharing, yet in many ways it is victim of knowing its own concerns and reacting to and pricing the reaction, and not working to mitigating the effects of the outcomes.  And in at least one case looking to backfill its model to fit corporate strategy and perhaps not customer choice.

Editor note: Pat describes some well funded and executed initiatives in Insurance that did NOT pay off as expected due to applying old thinking to new technology.

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Friday  Bernard Lunn, CEO of Daily Fintech and author of The Blockchain Economy, wrote: The Week ending 17 January 2020 in Security Tokens

Editor note: Security Tokens, the disruptive force in the equities market. This weekly snapshot is the news that matters for busy senior people in this market.

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To continue receiving ‘This Week in Fintech’, the weekly recap of our articles, you will need to fill this form to give us consent to send this to you. Please note that Daily Fintech requires your organizational email address (e.g. corporate, educational or government) and your LinkedIn URL. This information is required for subscribers who want ‘This Week in Fintech’ for free. If you prefer to not provide this information, you can still receive all our content by becoming a paying member.

The post This Week in Fintech 17 Jan appeared first on Daily Fintech.

This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives.

Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto.

Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer.

Jessica Ellerm is CEO of Zuper Superannuation & previously worked for a top Fintech startup, Tyro.

Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners.

Bernard Lunn is CEO of Daily Fintech and author of The Blockchain Economy.

If you want to continue receiving This Week in Fintech, you can either become a paying Member for $143 per year (and receive all our content in addition to this weekly summary) by clicking here.  If you just want to receive This Week in Fintech for free, you will need to fill in this form. Or fill in the same sign up form at the bottom of this post.

Your Editor is Bernard Lunn. He is also the CEO of Daily Fintech and author of The Blockchain Economy.

Monday Ilias Hatzis @iliashatzis our Greece-based crypto entrepreneur (Founder & CEO at Mercato Blockchain Corporation AG and Weekly Columnist at Daily Fintech) wrote Ethereum Strikes Back

Decentralized finance (DeFi) has literally exploded this year. 2020 is set to be even bigger. DeFi offers a unique way to earn interest on digital assets without a middleman taking a cut. Decentralized finance is evolving and Ethereum based DeFi is at the forefront. While several other smart contract platforms have been taking pot shots at Ethereum’s lead, none of Ethereum’s would be killers have been able to gain significant traction this year.

Editor note: If it is broke DO fix it. Bitcoin was born in the last financial crisis, when it was obvious that legacy finance was broken. When the next financial crisis hits, the alternative DeFi maybe ready to offer pragmatic solutions.

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Tuesday Efi Pylarinou @efipm our Swiss-based Fintech Adviser,  founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019 wrote Facts & Figures, Risks & Challenges in the ETF market

I am starting the New Year with a focus on ETFs, a 30yr old financial product that has shown Resilience, and relentless Growth. It is simple in its use but not that simple in creating and going to market. It has even been the wrapper of choice to bridge the old world to the new digital asset world. But Distribution remains key.

Editor note: An interesting look at how ETFs are monetising after moving into the zero fees world. Passive index funds maybe easy for investors to buy but it is much harder to build successful ones.

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Wednesday Jessica Ellerm @jessicaellerm, our Australia-based Fintech entrepreneur and thought leader specializing in Small Business and the Gig Economy & CEO/Co-Founder of Zuper, a new superannuation startup in Australia wrote Fintech Must Meet Cleantech. Fast.

It’s hard to think about much else in Australia right now, other than bushfires. They are consuming our media and our daily discussions with friends, neighbours and work colleagues. Finance has a unique role to play in this adaptation journey.

Editor note: During the holidays I got a break from Fintech but was obsessed with climate change as I watched the awful fires in Australia via Twitter. This post brings those two threads together. When Jessica writes “We must stop looking at climate change as a detractor from growth, and instead realise that by adapting to it, we will actually sustain growth” my head is nodding in vigorous agreement. 

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Thursday Patrick Kelahan @insuranceeleph1, our US based Insurtech expert (a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners who also serves the insurance and Fintech world as the ‘Insurance Elephant’) wrote Can industry changes soften a hard property insurance market in California?

There are suggestions of hardening markets for US property insurance participants, and there is no better example of this than what is occurring in California.  Non-renewals in wildfire prone areas, premium increases, reductions in coverage and the seeming ultimate reaction- regulatory prohibition of policy non-renewals.

How did the state get to this point, and is there a lesson to be gained for any area that is exposed to regional maximum losses?  Is the hardening multi-trillion dollar California homeowners market a bellwether for others?

Editor note: This is a must read if you work in Insurance. Like Wednesday’s post, this post tackles climate change, but from the point of view of the natural disaster gap (between premiums and cost of natural disasters which are worse in California due to bushfires and earthquakes).

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Friday  Bernard Lunn, CEO of Daily Fintech and author of The Blockchain Economy, wrote: The Week ending 10 January 2020 in Security Tokens

Editor note: For busy leaders in Security Tokens, the disruptive force in the equities market, here is the news that mattered this week.

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To continue receiving ‘This Week in Fintech’, the weekly recap of our articles, you will need to fill this form to give us consent to send this to you. Please note that Daily Fintech requires your organizational email address (e.g. corporate, educational or government) and your LinkedIn URL. This information is required for subscribers who want ‘This Week in Fintech’ for free. If you prefer to not provide this information, you can still receive all our content by becoming a paying member.

The post This Week in Fintech 10 Jan appeared first on Daily Fintech.

This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives.

Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto.

Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer.

Jessica Ellerm is CEO of Zuper Superannuation & previously worked for a top Fintech startup, Tyro.

Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners.

Arunkumar Krishnakumar is a VC investor, podcast host & writer focused on deep technology & sustainability.

If you want to continue receiving This Week in Fintech, you can either become a paying Member for $143 per year (and receive all our content in addition to this weekly summary) by clicking here.  If you just want to receive This Week in Fintech for free, you will need to fill in this form. Or fill in the same sign up form at the bottom of this post.

Your Editor is Bernard Lunn a Fintech deal-maker, investor, entrepreneur & advisor. He is CEO of Daily Fintech and author of The Blockchain Economy.

Monday Ilias Hatzis @iliashatzis our Greece-based crypto entrepreneur (Founder & CEO at Mercato Blockchain Corporation AG and Weekly Columnist at Daily Fintech) wrote Is Cryptocurrency the Future of Money?

According to Deutsche Bank the current money system is fragile. Deutsche Bank sees that by 2030 digital currencies will rise to over 200 million users. In the “Imagine 2030” report, Deutsche Bank suggests that digital currency could eventually replace cash one day, as demand for anonymity and a more decentralized means of payment grows.

Editor note: When I first dove down the Bitcoin rabbit hole in 2014, the idea that it could compete with Fiat money was only a pipe dream of cypherpunks. In 2019, one of the world’s biggest banks is voicing this opinion.

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Tuesday Efi Pylarinou @efipm our Swiss-based Fintech Adviser,  founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019 wrote Mortgages for `Branch-Never` clients is the next re-bundling item  

Allocating capital and managing the risk on the debt side of our personal balance sheet is larger, more complex, and determines whether we reach our goals or how far away do we end up. This is primarily where we all need advice (human, bionic, hybrid) in the first place, and subsequently in the investment segment of our finances`

Editor note:Mortgages and home ownership is key to wealth management for the rest of us. Earlier, Efi had explored how mortgage lenders are moving into robo advisory. Now she shows the intersection coming from the other direction. 

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Wednesday Jessica Ellerm @jessicaellerm, our Australia-based Fintech entrepreneur and thought leader specializing in Small Business and the Gig Economy & CEO/Co-Founder of Zuper, a new superannuation startup in Australia wrote Coconut builds new offering on the ‘banking commons’

SME current-account and bookkeeping tool Coconut recently announced that along with the company’s baked in current account, provided by Prepay Solutions, customers can now connect up their existing business current account.

Editor note: It is hard to get more boring – and lucrative – than helping small business owners invoice and manage their bookkeeping more effectively. SME Finance is moving from an underserved market to one that is hot and scaling fast.

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Thursday Patrick Kelahan @insuranceeleph1, our US based Insurtech expert (a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners who also serves the insurance and Fintech world as the ‘Insurance Elephant’) wrote The InsurTechs were nestled all snug in their beds, with visions of 2020 dancing in their heads

It’s the end of 2019, an auspicious year for insurance and InsurTech, and it’s the end of the year with expectations in the business world for business results and (hopeful) bonuses.  And of course there is the wondrous shadow of December holidays over all, with visions of sugarplums dancing in heads.

Not everyone celebrates a Christmas holiday, Chanukah, or Eid, but one cannot avoid the end of year holiday gifting and hopes.

In keeping with that spirit this final InsurTech column for 2019 wishes all well for the season and bright things for 2020.

Editor note: A great round up of the movers and shakers in Insurtech as we move to leave behind tired old 2019 and go to fresh clear eyed 2020. 

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Friday Arunkumar Krishnakumar @karunk, our London based Fintech investor, (Venture Capital investor at Green Shores Capital focusing on deppp technology & sustainability) wrote Financial Identity could add $250 Bn to Asia and Latam

These days, I hear headlines on Financial Inclusion so often that, it makes me wonder if Financial Inclusion is the new Fintech. The past three years in India, with the rise of payments, Aadhaar and last mile access to financial services is a great example.

We have also had Nubank from Latin America that won Softbank’s investment, and the Grab and GoJek story in South East Asia. Some of them are taking the digital banking route to genuinely address an unbanked population, while others are simply using their lifestyle apps to provide sticky financial services.

Editor note:The emergence of billions of people in the Rest of the World into a global middle class is the story of the 21st century for investors, entrepreneurs and governments. These billons need an on ramp to the financial system, a process labeled financial inclusion. 

Good wishes to all our readers around the world for for whatever holidays you celebrate. May 2020 bring you everything you hope for.

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