Wrap of Week #42: China Marketplace Lending, Fintech book, Health Insurance, the Australian payments platform

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On the aftermath of Lendit Europe, we looked at the Chinese Marketplace Lending scene with the following inquires in mind:

Part I: The Big and Scary prize

Will China MPL follow the Uber Didi trajectory?

How will global lenders get in on the action?

How is the progress from Wild West to Settler phase?

In Part 2: Which Chinese players will emerge from Consolidation

What role will BAT (Baidu Alibaba TenCent) play?

We reviewed the new  book Fintech Innovation: from Robo-Advisors to Goal Based Investing and Gamification in our analysis “Fashionista Sironi speaks about Fintech Innovation in Investing”.

In the insurance space, Health Insurance InsurTech innovation may start with dentists and a P2P network of providers as we looked at the old-fashioned organizations of Cooperatives that we call today P2P networks.

From the Southern hemisphere, we looked at the New Payments Platform (NPP), the Australian equivalent of the UK’s Faster Payments Service.

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This week we celebrate the 2 year anniversary of Daily Fintech by launching a peer to peer knowledge network, the Fintech Genome (ala genetics).

 

Join, engage, interact by clicking here.

 

We extended an invitation to the growing Fintech community and explained the concept in “Help us decode the Fintech Genome”.

 

This was done without any interruption of the regular schedule of our insights. This week too, it was another trip globally.

 

A first look at the most hard hit public valuations in the Daily Fintech Index, after the Brexit.

 

A first look at the Fintech recruitment scene with the input from Nicole Curtin and Fintech Recruiters; and some disruptors.

 

Over to Australia, where there are three fintech IPOs in the pipeline and we look at the real time KYCexpert serving financial institutions, which is a re-branding of the Global Business Register.

 

A two day coverage of innovation in the Life Insurance space. First part more focused on categorizing innovation players within life insurance. Second part, more focused on the pain points of the industry and the opportunities.

 

 

We mentioned

Nicole Curtin, Fintech Recruiters, Angel list, efinancialcareers, The Banking practice, Ashmore Stark, New Finance

Global Business Register Limited (GBR), @KYCexpert, @ChimpChangeMe @CoAssets, @OnMktBookBuilds, @ASX, Kyckr, KYC.com, AvoxClarient and SmartStream

Hearsay Social, Smart Asset, Policy Genius, Slice Labs, InforcePro, Haven Life, VitalityNew York LifePacific LifeFarmers and AXA.

 

 

 

 

 

,

 

 

, a UK based a 2yr old practice which positions itself as a online talent platform for financial services.

New Finance, the financial network operating out of London via Meetup, is also stepping into the jobs space.

Ashmore Stark, i

 

 

 

 

 

Robo-advisors, Blockchain; Insurtech and Small Business; in-store mobile payments; Marketplace lending

 

The UK is in the spotlight for many reasons (some good, some bad). We gave it first position this week but we also traveled from Australia to the US.

 

21 #roboinvesting ventures in the UK & the Blackrock tale. Sizing the UK robo-advisory market, which seems on the way to triple its size.

 

An in depth look at the important B2B niche in Small Business Finance: How to tackle the Approved Payables Finance. Could this be an example of a permissioned network that makes sense, Blockchain

 

The 4 US based Small Business Friendly InsurTech Ventures that are filling in the gap that Zenefits left.

 

Growing conversion rates via a superior customer experience; focus is on in store mobile payments. A growth opportunity; a problem to be solved.

 

An insightful look at the value chain in marketplace lending. Where is the value in the ecosystem?

 

We mentioned:

ETFmatic, Nutmeg, FiverAdat, Money On toast, Money farm, EValue, Wealth Objects, Wealth Wizards, Wealth Horizon, Wealthify, Wealth Kernel, Net Wealth, Swanest, Scalable Capital, Alpima, Quantstore, Zen Assets

ApplePay, Clover, Paypal, OneTouch

CoverWallet, Embroker, Insureon, FounderShield, Zenefits

OnDeck, Kabbage, Flexport, Fluent, Credit IQ, Provenir, EOriginal, Meridian Link, Cunexus Solutions, Web Bank, Cross River Bank, CBW Bank, NSR Invest, Lending Robot, Orchard Platform, DV01, Monja, Orca Money, Kreditech, Prosper, Lending Club, Funding Circle

 

 

 

 

 

 

 

 

 

 

 

 

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Kansas: A global alternative exchange that IPO’d; BATS exchange.

Austin TX: An alternative credit history builder running in a bank; SelfLender.

Global: Western Union an incumbent innovating in payments and more; Podcast.

Global: Distribution strategy alternatives for Online business lending;

Global: 21 Insurtech Ventures changing the Auto Industry (continuation of coverage)

Global: One way that marketplace lending could thrive; watch Warren Buffet’s lips.

 

 

https://dailyfintech.com/2016/05/31/credit-history-is-a-digital-asset-in-an-underserved-market/

@selflender

@nerdwallet

https://dailyfintech.com/2016/05/30/fintech-opens-ipo-window-with-bats-and-says-sorry-about-earlier-ipo-fluffs/

@Batsglobal

Pirates with Ties interview with David Thompson of Western Union

WU Edge

@WesternUnion

@WesternUnionCIO

 

What’s the Trojan Horse distribution strategy for online business lending?

PayPal Working Capital, Square Capital and Shopify Capital.

@PayPal

@Square

@Shopify

@Fundera @OnDeck

 

https://dailyfintech.com/2016/06/02/21-insurtech-ventures-changing-auto-insurance/

InsurTech Comparison Sites transform to Robo Brokers as Insurance value chain shifts

 

AccuScore Telematics

DriveWay Telematics

Metromile Telematics

Octo Telematics Telematics

RootInsurance Telematics

TheFloow Telematics

TrueMotion Telematics

Wunelli Telematics

OkChexian Telematics

Acculitx Telematics

DriveSpotter Telematics

Telematic Telematics

Citymile Telematics

Goji Robo Broker

Cuvva Just In Time

CoverHound Comparison

Insurify Comparison

RenewBuy Comparison

TheZebra Comparison

ClaimDi Claims Process

SnapSheet Claims Process

 

Marketplace Lending depends on savers moving on from bank deposits

 

 

The IPO window is open but only the best can get through. The headwinds are still there for Fintech but skilled sailors are needed to ride the wind through turbulent weather. One of the first ventures to go through is the BATS (Better Alternative Trading System). We covered BATS in an earlier research note on Fintech in action on Western Stock Exchanges. The key point is that BATS is number 1 in ETFs. This is important because ETFs are powering Robo Advisers.

 

One of the largest underserved segments in the US, are individuals that don’t own this Digital Asset – Credit history. SelfLender is the first all-online credit builder loan; ideal for students, young adults especially those in no-mans land 18-21yrs old, foreign students, immigrants, H1-B visa holders, and others with zero credit history who need to establish credit.

 

What options do small business lenders have to maintain healthy margins, as the popular channels are failing?

 

 

 

 

 

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