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Disruption, destruction, harmony and creation; Fintech’s new frontier – a place to discuss the cutting edge of innovation.
In my blog "Customer acquisition cost: probably the most valuable metric for Fintechs" (https://bankloch.blogspot.com/2020/06/customer-acquisition-cost-probably-most.html) I described how a...
As the fintech industry continues to change, accessible and straightforward interfaces for end users are key to helping financial institutions better engage their customers. One way many fintechs are...
Lesson 1 : Sales should be on the top of your business plan! Do you remember the 4 P’s of the marketing mix? Product Price Promotion Place 3 out of the 4 factors refer to sales, only 1 to the produc...
The Coronavirus pandemic is proving to be the boost needed for fintechs to gain traction with consumers who have been hesitant to move their finances online. With prolonged social distancing measures ...
The word Fintech (short for "Financial Technology") was first recorded in the 1980’s in the Sunday Times. However it was only until the financial crisis of 2007-2008, that the usage of the t...
Regulatory distribution is systemically broken The conventional way governments distribute rules for use by citizens, businesses, other private actors and for the institutions of government is through...
Citizen development is a proven, powerful tool to build better applications faster. But, it has its limitations. Could there be a better solution? Let’s find out more. There’s no doubt that no-code an...
Rising unemployment, small business failures, and impending recession pose an existential threat to marketplace lenders who take risks to accurately identify creditworthy borrowers underserved by trad...
With the word "tech" in Fintech, there is automatically a strong focus on technology in this sector. As a result, we tend to think that the biggest cost of a Fintech company is in building a...
“What do you call China – Villain or change-enabler?” You can call whatever, but China, as a country, has magnificent impact on the globe. According to Worldbank, China’s share of global GDP in 2019
Small and medium-sized business (SMBs) are often cited as a major economic driver and force for job creation, and it’s for good reason; with SMBs making up over 90 percent of all US businesses, while ...