This Week in Fintech 20 December

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This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives.

Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto.

Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer.

Jessica Ellerm is CEO of Zuper Superannuation & previously worked for a top Fintech startup, Tyro.

Patrick Kelahan is a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners.

Arunkumar Krishnakumar is a VC investor, podcast host & writer focused on deep technology & sustainability.

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Your Editor is Bernard Lunn a Fintech deal-maker, investor, entrepreneur & advisor. He is CEO of Daily Fintech and author of The Blockchain Economy.

Monday Ilias Hatzis @iliashatzis our Greece-based crypto entrepreneur (Founder & CEO at Mercato Blockchain Corporation AG and Weekly Columnist at Daily Fintech) wrote Is Cryptocurrency the Future of Money?

According to Deutsche Bank the current money system is fragile. Deutsche Bank sees that by 2030 digital currencies will rise to over 200 million users. In the “Imagine 2030” report, Deutsche Bank suggests that digital currency could eventually replace cash one day, as demand for anonymity and a more decentralized means of payment grows.

Editor note: When I first dove down the Bitcoin rabbit hole in 2014, the idea that it could compete with Fiat money was only a pipe dream of cypherpunks. In 2019, one of the world’s biggest banks is voicing this opinion.


Tuesday Efi Pylarinou @efipm our Swiss-based Fintech Adviser,  founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019 wrote Mortgages for `Branch-Never` clients is the next re-bundling item  

Allocating capital and managing the risk on the debt side of our personal balance sheet is larger, more complex, and determines whether we reach our goals or how far away do we end up. This is primarily where we all need advice (human, bionic, hybrid) in the first place, and subsequently in the investment segment of our finances`

Editor note:Mortgages and home ownership is key to wealth management for the rest of us. Earlier, Efi had explored how mortgage lenders are moving into robo advisory. Now she shows the intersection coming from the other direction. 


Wednesday Jessica Ellerm @jessicaellerm, our Australia-based Fintech entrepreneur and thought leader specializing in Small Business and the Gig Economy & CEO/Co-Founder of Zuper, a new superannuation startup in Australia wrote Coconut builds new offering on the ‘banking commons’

SME current-account and bookkeeping tool Coconut recently announced that along with the company’s baked in current account, provided by Prepay Solutions, customers can now connect up their existing business current account.

Editor note: It is hard to get more boring – and lucrative – than helping small business owners invoice and manage their bookkeeping more effectively. SME Finance is moving from an underserved market to one that is hot and scaling fast.


Thursday Patrick Kelahan @insuranceeleph1, our US based Insurtech expert (a CX, engineering & insurance professional, working with Insurers, Attorneys & Owners who also serves the insurance and Fintech world as the ‘Insurance Elephant’) wrote The InsurTechs were nestled all snug in their beds, with visions of 2020 dancing in their heads

It’s the end of 2019, an auspicious year for insurance and InsurTech, and it’s the end of the year with expectations in the business world for business results and (hopeful) bonuses.  And of course there is the wondrous shadow of December holidays over all, with visions of sugarplums dancing in heads.

Not everyone celebrates a Christmas holiday, Chanukah, or Eid, but one cannot avoid the end of year holiday gifting and hopes.

In keeping with that spirit this final InsurTech column for 2019 wishes all well for the season and bright things for 2020.

Editor note: A great round up of the movers and shakers in Insurtech as we move to leave behind tired old 2019 and go to fresh clear eyed 2020. 


Friday Arunkumar Krishnakumar @karunk, our London based Fintech investor, (Venture Capital investor at Green Shores Capital focusing on deppp technology & sustainability) wrote Financial Identity could add $250 Bn to Asia and Latam

These days, I hear headlines on Financial Inclusion so often that, it makes me wonder if Financial Inclusion is the new Fintech. The past three years in India, with the rise of payments, Aadhaar and last mile access to financial services is a great example.

We have also had Nubank from Latin America that won Softbank’s investment, and the Grab and GoJek story in South East Asia. Some of them are taking the digital banking route to genuinely address an unbanked population, while others are simply using their lifestyle apps to provide sticky financial services.

Editor note:The emergence of billions of people in the Rest of the World into a global middle class is the story of the 21st century for investors, entrepreneurs and governments. These billons need an on ramp to the financial system, a process labeled financial inclusion. 

Good wishes to all our readers around the world for for whatever holidays you celebrate. May 2020 bring you everything you hope for.


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