Business Modeling
#Fintech (financial technology) is a red-hot category right now, worldwide. Many unicorns (companies with a valuation greater than $1 Billion) have already been crowned, and yet the arms race has only just begun. That’s because so much of the TBTF (too big to fail) banks’ precious revenue streams remain ripe for ‘disruption’ and […]
Equity crowdfunding is a key pillar in the creation of a new, more balanced global economy. In pure equity crowdfunding, companies can raise capital from a mix of non-accredited and accredited investors; with Seedrs, for example, investors across Europe can invest as little as £10 into a company for a legally-binding […]
SoFi is a #fintech platform specializing in student loan refinancing and personal loans. Thanks to a unique strategy and a membership model, they have raised more than $1B in equity capital and made more than $10B worth of loans in the US. While the company is not without its own set […]
#Blockchain is defined as the ‘great chain of being sure about things” by The Economist. We are moving towards a blockchain future where the marginal cost of a transaction drops to zero and peer-to-peer commerce is facilitated by ‘trustless’ transactions. One of the greatest areas of upside for blockchain is […]
Grameen Bank was started in 1983 by micronfinance pioneer Muhammad Yunus: “The micro lender had pioneered a group lending system where it lends to an individual only when he or she belongs to a 5 member group. The group was not the guarantor for its member’s loans but further credit […]
In our inaugural Fintech post – Millennials, Trust Scoring and the Future of Financial Services – we touched on ‘Bot Banking’ and the future potential for early upstarts such as MyKAI by Kasisto: > Kasisto.com/MyKai Recently, MyKAI launched via partners RBC in Canada and DBS in Asia, and is available […]
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Earlier this year, Millennials officially surpassed Baby Boomers as the largest generation in terms of population size. Generally considered those aged 18 – 34 in 2015 (born between 1981 and 1997), US census data showed that there were 75.4 million Millennials living in the USA last year, surpassing Boomers by […]