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.
The Fintech Genome
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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).
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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.
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, Avox, Clarient and SmartStream
Hearsay Social, Smart Asset, Policy Genius, Slice Labs, InforcePro, Haven Life, Vitality, New York Life, Pacific Life, Farmers 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?
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
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.
PayPal Working Capital, Square Capital and Shopify Capital.
Octo Telematics Telematics
Goji Robo Broker
Cuvva Just In Time
ClaimDi Claims Process
SnapSheet Claims Process
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?