What does the global Fintech community like to talk about?


Fintech Genome is just over a year old now (born 29 June 2016), so it was time to analyse the conversations to see which are the most popular. You can sort conversations on Fintech Genome in multiple ways. Two sorts that indicate popularity are:

  1. By No of Replies. This indicates how many people are motivated to join a conversation and share knowledge.
  2. By No of Views. This indicates how many people are motivated to read what people are talking about.

The popular conversations combine both. So, the next step was to take the top 15 by each ranking and see which fall into both categories. Here is the result:

A self-regulatory code of conduct for ITO (Initial Token Offering) and ICO
Lykke equity for sale
Which Venture will be the first big Insurtech Winner?
Let’s build a List of Banking APIs
Is anybody working on a replacement for Yahoo Finance?
SENTIMENT ANALYSIS – in financial services (edit this wiki)
Banking for Refugees

I then exercised my Editorial privilege to highlight some conversations which are relatively new that should be popular. The “should” is of course only IMHO and the community will decide what is or is not popular. To add a bit of objectivity I have highlighted conversation that sit at this intersection:

  1. Mega Trend Thesis. The conversation illuminates and is driven by a big mega trend.
  2. Knowledge scarcity. Demand for knowledge  exceeds supply. This will typically be some new technology or business model or regulation.
  3. Actionable. This might be “what can I invest in?” Or “what do I need to do  create XYZ?” We want Fintech Genome to be useful in your day to day work.

Using a self-imposed constraint, I picked 3 conversations that should get more traction:

Choosing a Fintech University Course


  1. Mega Trend Thesis. Fintech matters to all of us because of two numbers – 40% and 90%. Financial Services accounts for as much as 40% of corporate profits and as much as 90% of that 40% can be digitised/automated. As money makes the world go around, innovation in other areas (such as health or energy) are also dependent on Finance. Lower cost and easier financial services can lift people from poverty and help close the inequality gap that is roiling the world. it is also very complex. One needs to understand the nuances of both finance and technology, plus demographics, consumer marketing, behavioural economics, globalisation, regulation and new business models and the intersection between all these complex subjects. That leaves a huge need for education.
  2. Knowledge scarcity. The big university brands are well known, but are they the best?  What should one spend time and money studying?
  3. Actionable. If you are starting a new career or advising somebody who is, you need to decide a) is University and Certification a good choice (or do you agree with Peter Thiel that drop out and startup is better)? If yes to University and Certification, which one?


Making PSD2 work in the real world

  1. Mega Trend Thesis. Outlined in this post.
  2. Knowledge scarcity. PSD2 is still quite new, not conceptually but in terms of real world adoption, so there are more pundit explanations than case studies and how to guides.
  3. Actionable. We all know that PSD2 is a game-changer, but the devil or the god is always in the details.

Related thread:



Robo Platform for Independent Financial Advisors

  1. Mega Trend Thesis. The first generation of Robo Advisers were B2C, but hit the Customer Acquisition Cost (CAC) problem. So then many pivoted to the B2B model of selling technology to banks, but this pivot gave all the clout to banks. The sustainable model is to serve the large number of independent financial advisers (going under different names in different jurisdictions) many of which left a big bank to start their own shop. Many entrepreneurs say “yes, but how do I reach these independent financial advisers?” This conversation was initiated by one of those independent financial advisers asking for help. If you are in the Robo Advisor space this is a conversation you have to engage in.
  2. Knowledge scarcity. How many people really know how to build a Robo Advisor system? How many really know what investors want?
  3. Actionable. This independent financial adviser wants a service he can offer today. They could be your motivated early adopter.

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Bernard Lunn is a Fintech deal-maker, investor and thought-leader. 

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