$144 Billion value to Sub Saharan Africa – Mobiles lead Fintech for Good

If you joined the Fintech party only this year, and feel you missed on riding the curve – don’t worry. Sub Saharan Africa is where all the Fintech excitement is at the moment. In 2018, Fintech investments in Africa quadrupled to $357 Million. Image Source This is tiny compared to the Billions being invested in […]

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Just in Time insurance- only what you need, when you need it

  Image TLDR   It wasn’t that long ago that production and retail inventories were gauged by the space available in which to store the supplies/goods.  Then some smart people determined that in a well-managed, lean operation inventory could be obtained upon instant need, and thus Just in Time (JIT) Inventory principles were developed. Is the […]

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Instant gratification underpins successful fintech – the rise of early wage access providers

The other night I was out to dinner with a few friends, and I got into a conversation about our obsession with convenience, of which we are all guilty of. The thing is, we shouldn’t really be embarrassed about our drive for immediate satisfaction. After all, it simply represents our desire to protect and retain […]

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Six diverse picks of Fintech shovels & Fintech stacks

The transformation of Financial services continues and re-bundling is one of the trends that is at work. Fintechs are collaborating and creating fuller stacks by bundling several services and growing their businesses. Six picks give you a picture of the diversity of this trend. Mambu is a leader in the Saas core banking sector. It […]

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Every Bank wants to be a Bitcoiner. Do we need Central Bank Digital Currencies?

  TLDR. Bitcoin’s price rebound and the advent of Libra so far this year, has caused many to reconsider and some even to change sides. Debates about Central Bank Digital Currencies (CBDC) are now gathering great attention worldwide. Central banks may have to issue their own digital currencies sooner than expected. A number of central banks, including the People […]

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China’s digital currency could be a response to Libra

Earlier this month, a senior official of the People Bank of China (PBoC) announced that the country was ready to launch its digital currency. The announcement was made at a China Finance 40 (CF40) group discussion and it was revealed that China has been working on this for the past five years. Image Source The […]

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Contents Cover- the under-served aspect of property insurance innovation

image TLDR  Consider: Structure losses– estimated to the nearest square foot or square meter.  Plenty of automated tools and techniques, and plenty of auditing for consistency. Contents losses– manual assessment and data entry.  Some automated tools for high value, niche cover or pre-inventory.  Little consistency in estimation as there is little consistency in what’s being […]

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Creative economy, micropayments and Bitcoin

Note; originally published Januuart 2016, republished August 2019 (as this becoming true about 4 years later) About 40% of the labor force in America will be self employed by 2020. Globally, including the developing world, well over 50% is self-employed. Whatever you call it – the free agent economy or the on demand economy or the […]

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Four of my Fintech posts connected to books

Traditionally we intend to read more in the summer. Environmental Sustainability and Finance: Poker or Chess? Inspired from the book `The Sustainable Organization` by  Miguel R. Brandao, already in its second edition co-creator of the #SORG index and the concept of Dolphin Organization.   Don`t confuse People-centric Banking with Customer-centric Banking. Linked to `Emotional Banking : […]

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