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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Could the next financial crisis drive Bitcoin to mainstream?

“Bitcoin has no intrinsic value, but neither does government-issued paper money. The market should determine its value, while government should focus on disclosure, education, fraud prevention, and curbing its use to support criminal activities.” – Sheila Bair, who headed the FDIC during the dark days of the 2008 financial crisis Ten years ago, Bitcoin was […]

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Klarna’s $460 Million raise and US ambitions – is an IPO coming?

Late stage venture capital deals and funding have been growing rapidly over the last three years. The most recent European Fintech to hit the headlines with yet another multi-Billion dollar valuation is Klarna. The “Buy now Pay later” payments company raised $460 Million at a massive $5.5 Billion valuation. My immediate reaction to the numbers […]

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InsurTech Topics and Cascading Consequences

image TLDR   “If you wait by the river long enough, the body of your next article will float by.” (apologies, Sun Tzu) ” My colleague and friend, Thomas Verduzco-Weisel asked me recently about articles I write, “Do you keep a topic list or inspirational thought list?” I wish I was that organized and purposeful.  My […]

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Australia’s largest bank to spend $5B on technology

As a fintech, how do you compete with an incumbent’s AUD $5B war chest, specifically set aside for technology innovation? It’s a question a number of Australian fintechs and neobanks will be grappling with this week, after CBA, Australia’s largest bank, announced it is doubling down with its billions, in order to cement and entrench […]

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Where are the missing Homo Economicus in investing?

Source All economic theories assume a Homo economicus; which in plain English means a totally rational investor. We forget this basic assumption which makes all models ill-fit to our emotional and unstable behavioral profiles. This point cannot be ignored anymore, as we seek to deploy technology to offer customized financial advice and goal-based services. Deep dive […]

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Big Investors, Big Confidence for Bitcoin

TLDR. While Bitcoin is a volatile and nascent asset class, Bitcoin has consistently outperformed the Dow, S&P 500, and gold in the last decade. With more regulatory clarity, as well as more transparency from crypto exchanges, the risk of owning Bitcoin diminishes every day, bringing more institutional investors to the market. We are starting to […]

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