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Fintech Macro Part 2. Neobank consolidation phase will create a few huge winners 

During the Cambrian explosion phase, lots of Neobanks were funded. It was a period of high excitement, full of hopes and dreams. Cambrian explosion is usually followed by consolidation when: A. Lots of startups fail. For investors with a portfolio, this is difficult. For entrepreneurs, this is traumatic. B. A few startups make it to the […]

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Web3 Part 3 exchanging value (not just content) online is a game changer

One reason why Web3 has some negative chatter is that it is being used to hype some crypto projects. The implied correlation is Web3 is good so crypto project X is good. I am NOT promoting any crypto projects, but I think that Web3 based on decentralised and permissionless exchange of value is real and […]

The post Web3 Part 3 exchanging value (not just content) online is a game changer appeared first on Daily Fintech.

Alt Lending Week Ending 11th February 2022

  Fintech investment in UK bigger than France Germany and China combined! It seems that Brexit has had little impact on inward investment in the Fintech sector. What always amazes me is the way the press always seem surprised that this is happening and has been happening for years. There must be some underlying sentiment […]

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Web3 Part 2 Why decentralisation is back to the future

The Internet was originally designed as a decentralized system to withstand attack by the Soviet Union during the cold war. The Internet protocols are also permissionless. You just connect your system to the Internet. Nobody can stop you – except the market if you don’t add value. That changed with Web 2 when centralized services […]

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Alt lending week ending 4th Feb 2022

  Bankers’ Fury as Credit Suisse claws back bonuses Poor old Credit Suisse they never seem far from controversy and now there is a row over bonus payments. Specifically some of the non front office staff will have bonus clawback provisions built into their employment contracts. What I found hard to fathom was that the […]

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Web 3 Part 1 What is Web3 and why do some people love it and others hate it?

Gavin Wood, now based in Switzerland, is crediting with coining the term Web3 in 2014 when he was CoFounder and CTO of the Ethereum Foundation. Web3 is a vision of a an Internet that is not controlled by a few big centralised players such as Google, Facebook and Amazon ie the Web2 we use every day. […]

The post Web 3 Part 1 What is Web3 and why do some people love it and others hate it? appeared first on Daily Fintech.

Alt Lending week ending 28th January 2022

  Horta-osorio and Credit Suisse It seems that trouble automatically finds the top dogs at Switzerland’s second largest bank. In the Portuguese bankers case it was COVID restrictions that forced his resignation as Chairman after just nine months. It was his mission to sort out the obvious problems which had arisen  under his predecessor. Unfortunately […]

The post Alt Lending week ending 28th January 2022 appeared first on Daily Fintech.

Alt Lending week ending 21st January

    Fat Cat merry go round I sometime think of all the striving technical geniuses doing their best to earn a crust through proper innovation and then along comes a story that makes me wonder if it is all worthwhile. The Daily Telegraph today reported that ex Credit Suisse CEO Tidjane Thiam is making […]

The post Alt Lending week ending 21st January appeared first on Daily Fintech.

Part 3: Equities birth certificates to get people onto the 1st rung of the wealth creation ladder. 

People often talk about getting onto the property ladder, but property is only one type of asset used for wealth creation. Equities is the primary asset used by the wealthy. Imagine somebody born into a poor family who on her/his 21st birthday receives a certificate that in real inflation adjusted terms represents more money than […]

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Journalist bluffs his way into a senior Binance job worth $220K per year

Considering the role's seniority and Binance's endless bad press for lax compliance, Harry Clynch assumed he wouldn't get the job. He did.

The post Journalist bluffs his way into a senior Binance job worth $220K per year appeared first on Protos.

Alt Lending week ended 14th January 2022

  Are we all becoming addicted to debt? While I have written many time about the lack of expertise in corporate, sovereign and personal debt I don’t think I have ever addressed the major problems that ultra low interest rates have inflicted upon all of us. Eminent economist Dr. Gerard Lyons one of the UK’s […]

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Part 2: Most of what is sold as Democratization of Wall Street is one of these 3 lies

Before looking at what real democratization of Wall Street could look like, today’s Part 2 looks at how purely profit oriented ventures that dress up the pitch in one of 3 democratization of Wall Street lies. Lie 1 = smaller units access. This pitch typically touts the investment returns of an asset class that requires a […]

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Alt Lending week ending 7th January 2022

  Fintech reports for 2022 Too much information here by far to make any kind of sense of it so I’m not going to try. Suffice to say that we’ll see more of the same, large amounts of money chasing loss making companies with wildly optimistic valuations and a market place that understands technology but […]

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