coordination, Daily Fintech Advisers, disaster, financial planning, innovation, insurance, InsurTech, parametric

Wildfires and disasters- terribly good opportunity to leverage InsurTech and innovation

Image Take a US $8 billion dollar insurance business that serves more than 7 million customers annually regarding residential real estate assets valued at more than US $5 trillion, that’s working in a regulated, politically hyped environment and one might see opportunity for innovation.  Throw in significant exposure to regional wildfires and urban area earthquakes, […]

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Small Business Fintech

Australia’s Trade Ledger Chalks Up Another European Win

Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Aussie trade finance startup Trade Ledger is one of a handful of Aussie fintechs chalking up success after success offshore, especially in Europe. Last year the company won Barclay’s […]

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as a service, crosslend, Fintech General, lending marketplaces, loans, securitization, solaris bank, WealthTech

Digital Securitization as a Service, for the Capital Markets Union

In this post, I take a pulse from the securitization markets and highlight one scalable innovation in Europe – The partnership of Crosslend & SolarisBank. According to MSCI, the 2008 financial crisis was a Securitization crisis. I don`t disagree but this fact does not mean that it was the core cause of the crisis. I […]

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Fintech General

Cryptocurrencies could be Revolut’s Trojan Horse to get 100 million customers

British-based Revolut is trying to raise $1.5 billion from investors on its quest to become the one bank for all your money. In the coming months, the startup is planning to raise $500 million in equity and $1 billion as convertible loan. This would bring its valuation anywhere between $5 billion to $10 billion. Since it was […]

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Fintech General

Innovation theatres and Intrapreneurs, what’s the real deal?

A year ago, I was a judge at an innovation demo day. The event showcased proposals of intrapreneurs within the host firm. The idea was to choose 3 pitches that would receive funding for development and go-to-market. It was a high energy event, with great ideas. Most pitches at the event focused on solving a […]

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Daily Fintech Advisers, Fintech General, Game Theory, gamification, innovation, Innovationfromthecustomerbackwards, InsurTech, IOT, Nash Equilibrium, telematics

Insurance- not all fun and game theory

Economic game theory has resided at the core of insurance underwriting for some time but might be losing its luster through the advent of price aggregators. ‘Gamification’ through behavioral economics is gaining traction concurrently in the industry, that is, devising schemes to engage insureds more often with their policy than simply at annual renewal.  More […]

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Fintech General, WealthTech

Longevity App Breaks New Ground In Australian PensionTech

Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Australia has one of the world’s most sophisticated, widespread pension systems. As a result, a plethora of opportunities for startups are now emerging in adjacencies to the sector. A […]

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brokers, fees, margins, robinhood, stockmarket, trading, wealth management, WealthTech

What has triggered the explosion of payments for order flow? Not Fidelity

The Robinhood effect popped up again, as Schwab slashed its stock commissions to zero and forced TD America, E-trade, Interactive Brokers, Ally Invest, and Fidelity to follow suit over the next few days. Schwab called this the zero commission brokerage war, on CNN. This war is just the beginning of a broader trend that will […]

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Bitcoin, Blockchain, Cryptocurrencies

Scarcity can mean different things to different people. Bitcoin scarcity creates value.

In economics, we have market equilibrium when supply equals demand. However, markets are not always in equilibrium. When supply is greater than demand, prices go down. When the opposite occurs, when demand is higher than supply, we have scarcity, which in turn leads to higher prices. Wikipedia states that scarcity is the limited availability of […]

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