This Week in Fintech ending 21 February 2020

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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.

Sheldon Freedman is a Fintech Lawyer at Hassans International Law Firm

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Your Editor is Bernard Lunn. He is also the 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 Bitcoin price surges. Is Coronavirus behind it?

The Coronavirus is negatively already affecting several global industries and should the disruption continue, we could see the impact reach all the way to the end of 2020. One of them, electronics and tech are already feeling the impact of the coronavirus. With Bitcoin’s scheduled halving in May, Chinese miner manufacturers have seen a rise in demand for new equipment. The world’s largest manufacturers of mining equipment are based in China (Bitmain, Canaan, MicroBT, and InnoSilicon) and all of them face delays in production and delivery. The price of Bitcoin and cryptocurrencies have increased whenever investors start to panic. 

Editor note: Ilias analyses the complex interactions between Coronavirus and  the price of Bitcoin.

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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 `NonTransparent ETFs` one step forward and two steps backward

The `NonTransparent ETF` wrapper caught my attention recently, while reviewing WealthManagement news and trends. What kind of innovative investment vehicle would choose in our times, this kind of name?

In late January this year, the SEC approved a new ETF wrapper and several companies will be able to launch active ETFs or license the wrapper to asset managers. T. Rowe had first applied for SEC approval to launch actively managed ETFs (what is now called `NonTransparent ETFs`) as early as 2013.

Editor note: Efi looks at how the very strangely branded non-transparent ETFs work and why they are bad news for investors.

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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 Small Business Fintech is levelling the cost of capital playing field

Today, Jessica is taking a break. This post is by Bernard Lunn, CEO of Daily Fintech and author of The Blockchain Economy.

We saw the potential in the Small Business Fintech megatrend, which we described as “big enough to drive a truck through” back in 2015 and Jessica Ellerm started our regular weekly column 4 years ago in February 2016 (when it was seen as a niche within a niche).By 2020, Small Business Fintech has become mainstream and is scaling fast. Today we reflect on the growth of this market. 

Editor note: The second order implications of this leveling of the playing field are profound.

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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 Flood insurance- where the rising tide has NOT raised all ships

The problem is known, the data lakes related to the problem are deep, there are huge costs associated with it and plenty of human suffering.   Whole sectors of predictive data businesses have grown to better understand what is behind it, options abound in an attempt to mitigate its effects.  Governments around the globe spend billions in preparation for and response to the events.

So why isn’t flooding, flood damage mitigation, flood damage repair costs/financing, and flood insurance availability less of a global problem?

Editor note: Pat looks at two possible approaches to the problem of flood insurance as well as showing the huge second order impact of a big coverage gap.

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Friday Sheldon Freedman @sf10002, a Fintech Lawyer at Hassans International Law Firm wrote: Security Token news for Week ending 21 February 2020

Editor note: This weekly snapshot is the news that matters for busy senior people in the Security Token market.

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