Troubled Mobile Payments Startup Clinkle Is Giving Away Free Cash In Vending Machines
Am curious how the customer acquisition cost will develop for payments...it was defacto zero for banks...and they made money on the...
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Finch Capital is a Financial Technology Investment firm founded in the fall of 2013. We invest in high growth companies primary in EMEA and prefer to invest after the seed round, when there is proof of concept and there are some revenues.
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- Concertgebouwplein 9, Amsterdam Piccadilly 105, London
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Finch Capital Archive
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Chinese, Russian Lenders to Back Israel’s eToro Israeli Online Trading Company Expected to Raise Abo
2015: Year we expect to see many more partnerships between established players and start-ups to accelerate expansion/growth
Apple Pay competitor ‘Android Pay’ is reportedly coming to China
The battle for the identity, consumer relationship at global scale!
Global VC FinTech investments grow to 2.8 Bn in 2014
The FinTech momentum continues! Global investments in fintech: From $520m in 2010 to $2800m in 2014
Identity Wars: Why Apple Pay Is About More Than Payments
Cracking the identity war! The question for me is whether the identity part will be unbundled from the phone....e.g. if I switch from...
PayPal’s Bitcoin Integration And The Future Of Digital Currency Adoption
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Editor’s note: Ken Miller was VP of risk management at PayPal executive and adviser to Square. Recently, PayPal announced several...…
COINAPULT BITCOIN SMS WALLET ALLOWS THE WORLD TO SEND REMITTANCES WITH JUST A TEXT
Great to see how the crypto use cases are developing, and focusing on real problems with ±9% cost of sending money in a digital world,...
Nine hard-won lessons about money and investing
Great lessons, also fully support the Vanguard point as it has the lowest cost over manageable assets! Translating these lessons into...
ECB's Nouy Says Banks Must Show They Can Make Profits
Innovation should help to reduce costs with 10% p.a. coming years as well as increase revenues!
Man goes on ATM rampage after machine rejects his card
There is downside of FinTech...who and what do you hammer in case your digital wallet is not working....
George Soros Plans to Back Peer-to-Peer Lending
Think with the current low interest environment we will see many more institutional as well as Private money flowing into the sector!...
Bank Takes Startups Under Its Wing, Big Time, in Italy
great promise...look forward to see the impact!
U.S. Bancorp Expands Paperless Push as Others Hesitate
Interesting to see the gap between the digitalization in EMEA versus the US...in Northern Europe for the last 5-10 years consumer...
The European Parliament Just Voted To Break Up Google
If this happens at all.....this would probably reset some of the advertisement dynamics!
Skrill Group extends paysafecard with acquisition of Ukash
Offline and online conversion ongoing. Also surprisingly to many several cash handling solutions are growing fast e.g. for retailers,...
Monitise gets Mastercard, Santander, Telefonica backing for mobile
Interesting swap of investor base, a swap of Visa for Mastercard and wondering how they structure the partnerships while being a listed...
Report ‘Proves’ User IDs Can Be Traced from Anonymous BTC Transactions
On itself interesting confirmation......but that these breaking insights had to come out of the university of Luxemburg came with...
Santander investigates platform launch
We expect more Banks and Wealth Managers to launch their own platform....question is what the implications are for the Bettermentm,...
How banks are looking more like tech companies
The growing challenge for Financial Institutions is the IT spend, growing as a result of regulation, digitalization and keeping legacy...
Bitcoin disrupting Remittances...you can sue but the trend continues
Bitcoin disrupting Remittances...Disruption creates friction, Uber in the Taxi world....Blockchain in the Payments world
Internet of Things the market potential is huge
40 billion installed base!
Danish telcos sell m-payments venture to bank-owned rival
Consolidation happening...joining forces of banks together has worked (e,g. Ideal) to fight the battle versus paypal in the past and...
Fintech CEOs' Candid Advice, Bold Predictions for 2015
Interesting and valuable set of predictions from uptime to Bitcoin and a blend from old and new technologoes
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Several advises from uptime to Bitcoin e.g. Bitcoin transaction database "has been up and running for six years and all the hackers in...…
Crédit Agricole joins French bank-run e-payments service
French banks have teamed up like the Dutch did to conquer PayPal...in the Netherlands this was successfully done via Ideas
Twitter lets users add coupons to cards for in-store redemption
the online offline convergence! who will get most out of this.....Banks/card companies...or the social networks? More and more trending...
Dutch Official: Bitcoin Transactions Probably Not Liable for VAT
Good news for BitCoin as well as other cryptocurrencies
Bitspark Enters Hong Kong's Remittance Market With Bitcoin-Powered Solution
Crypotcurrencies could slash remittance cost with 2/3rd!
Goldman takes stake in data analytics platform Kensho
Kensho has been an impressive approach, curious to see how the GS partnership plays out
NAB decommissions 37 legacy servers as it deploys new credit risk engine
IT landscape rationalization continues...expect that in 10 years from now Banking will be made more simple, lower cost and more...
Global online population hits 3 billion...4.3 Billion to go, mainly developing markets
Emerging markets will be a fundamental game changer next decade to have 3 billion new people getting online, imagine how this will...
Nest And Asian Insurance Giant AIA Launch Startup Accelerator In Hong Kong
Growing partnerships in the FinTech ecosystem
OnDeck IPO puts the focus on Customer Acquisition Costs for Alternative Credit ventures
Interesting financial analysis of the SME lending models re the CAC/LTV metrics and challenges and implications for financials vs...
250% growth for P2P lending, 50-70% is substituting banks
Interesting facts on the % substituting banks as well as the % GDP growth the lending platforms bring
Cyber Insurance Security
Love this space, especially the mid market segment for who cyber can kill
Visa Inc frets over $10 billion price tag on European brand
Would nicely strengthen core-tier one ratios of the banks.e.g. would add ± 1 bn to Barclays capital!
Apple Has Nearly A Billion Payment Cards On File
Apple has almost a billion payment cards on file, also impressive to see the gap with #2
Female Financial Advisers Sought as Boomers Need Planning...before FinTech disruption effects
Female Financial Advisers Sought as Boomers Need Planning....the net effect of digitalization seems not be taken into account....as the...
What is an Online Financial Advisor (Robo)...some facts?
Interesting facts on ROBo, strong solution for creating high quality affordable solutions for affluent investors.
Venmo's mobile payment play
Interesting watch
Every Company Needs A Chief Digital Officer
Always surprised by the Digital Officer debates....would rathe reargue for a digital minded CEO and a Chief Old world reporting to...
Marketplaces Are Eating Firms
Interesting lessons and ideas how Financial Services can be disrupted further. Transparency on Quality...imagine all wealth advisors...
Cloud Computing Adoption Continues Accelerating In The Enterprise
Big opportunity for Financial Services...to date security push back has limited potential, we see some first solutions and workarounds...
What the Internet of Things means for your business
Massive opportunities to make the next step in Insurance!
Gates Links Technology, Banking Services for Poor
Mobile will play a key role in the solution as 1 bn of unbanked will become online next years via mobile!
Contactless makes Oxford Dictionaries word of the year shortlist
Dictionary is one...commercial success is historically not correlated with oxford dictionary
The EU is reportedly planning to call for Google Search to be broken off from the rest of the compan
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Google’s rocky relationship with the EU looks like it could be getting rockier. The European Parliament’s new draft motion, spotted by...…
Mobile Money transfer...the battle for 2015!
31% of GDP in Kenia spend on the back of mPesa, and with mobile remittances allowing for radical cut in average cost cut of remittance,...
Sector funds outperform Generalist funds
We of course love this research...as a sector fund Focused on FinTech!
Docusign....digitalising financial services
Continues to be a significant opportunity and bottleneck to authenticate and digitize the on boarding and signing processes
Onename Goes Open Source to Decentralize Auth
Love it, great solutions for one of the biggest issues...identification...not
FastPay Raises $15M More To Improve Digital Media Cashflow
Very interesting factoring models are emerging that take out multibillion inefficiency in SME lending. Models in Media, Apple, Google...
Coinbase partners RewardsPay to bring bitcoin payments to iTunes and Facebook
Increasing adaptation getting in place, you sometime wonder whether this train still can be stopped....or
McAfee and Europol join forces in the fight against cybercrime
Great partnership curious to see the impact
Former AIB COO to launch UK digital bank
Another new bank.....with ±100% of the bankable population already being banked in the UK, and Atom also being launched...curious to...
'Someone Had Taken Over My Life': An Identity Theft Victim's Story
In 2013, someone became a victim of identity fraud every two minutes, totaling 13.1 million people. Identification....a big issue Banks...
Skype lessons for Crypto currencies
Interesting comparison, question that is unanswered is what is the Skype in Bitcoins...is it Blockchain or is it...
Square Register, Sans Hardware, Now Works Globally On Android And iOS
....But while the app has now been turned on internationally, the hardware has yet to arrive.
CFTC launches SmartCheck campaign to raise awareness on financial fraud
Great solutions for real problems
RBS and Ulster Bank hit with £56 million fine over IT meltdown
Fines....I would assume if Banks get a fine for locking out customers...the customers would get the benefit of the fine....
Travelex launches £25m fund to fight TransferWise
The Battle for FX....lots we expect to happen...and than the banks drop the FX rates....
UK becomes Europe’s most entrepreneurial country
Interesting comments in the report...UK won in Europe...., the UK’s ‘entrepreneurial aspirations’ were valued as weak by the GEI.
Finland Classifies Bitcoin as VAT-Exempt Financial Service
Most see Bitcoin as a commodity/asset, Finland as a Financial Service. Ultimately, the underlying bit coin technology might become a...
SEC stregthens exchange technology rules
Business minded regulation
Fidelity takes portfolios into virtual reality with Oculus Rift App
Super cool! What happens to the buildings if the stock tanks?
Google to give away $100,000 in mobile wallet recruitment campain
Although operating costs come down....acquisition costs seem to go up...at the end the value is in the data...however with the API's...
Finexkap, Offering Working Capital to SMBs In France, Raises $22.5M
if 25% of the bankruptcies are caused by short term finance issues....why do the others go bust if they have no short term finance...
Accenture Collaborate to Help Close Talent Gap in Financial Services Analytics
The war for new talent...shortage of 250,000 analysts by 2015!
PAnel on outlook of bit coin
#Bitcoin is the most significant technological advancement since the browser. Bitcoin at pre-Mosaic inflection point according to panel
Checkprint reports Nigerian cheque scanner deal
With mobile banking growth on the rise....hopefully soon no need for cheques in Africa
PayPal launches Pebble smartwatch
The battle got started.....!
Traditional banks are doomed: Brett King
Cracking the authentication code...one click financial services....needs to save, lend, borrow and invest are likely to stay....the way...
Top 5 Digital Banking Myths
As Steve Jobs said..."“It's really hard to design products by consumer research. A lot of times, people don't know what they want until...
Obillex raises $4.7m to fix supply chain financing
Another invoice supply chain finance company....would expect a consolidation to happen in the coming 12-24 months
ChangeTip Releases New Metrics Amid Surge in Bitcoin Tipping Interest
10,000 transactions in one day, as well as milli payments....payments reinvented!
The Evolution of Telematics Opportunities
Insurance being reinvented via internet of things....your driving behavior, do you lock your house, your lost phone are you sloppy or...
How consumer will use their mobile for financial services
Interesting comments...mobile banking should be more than a smaller website...
Tracour Launches To Prove That Some Financial Analysts Are Full Of It
the end of the advisor.....and analyst
It Looks Like Coin Is Finally Shipping To Early Backers
Complete payment overhaul has started.....banks more and more are pushed to become a commodity factory....
U.K. Government Funds Free Online Courses Teaching Startup Skills
May be it is cheaper to give everybody ....the lean start-up, one of the best books to learn how to set-up a start-up
"I Love the Blockchain, Just Not Bitcoin"
Blockchain and its use cases!
Snapchat Now Lets You Send Money To Friends Through Snapcash Deal With Square Cash
Which approach will win the business lead or consumer lead? Historically the consumer always wins....unless these solutions are blocked...
150% rise in contact less payments in the UK
Would love if we can pay finally UK taxis contactless....even cards are not accepted
South Korean messaging firm partners banks on mobile wallet
One click payments...and continuos growth of partnerships with social tech players that increasingly own the customers....with banks...
Alibaba’s Payment Services Affiliate Alipay Opens An Office In Australia
14 million Chinese make up 78 percent of all overseas spend....out of 1 billion Chinese....
BitCoin read-ups
Interesting set of reading material to get up to speed on BitCoin and Crypto
The 2014 FinTech Forward Rankings, which identify the top 100 companies providing technology for fi
Intersting list....most companies are already listed and seem mature companies....would love to see more innovation in the back and...
The venture capital arm of Spanish bank Bankinter has invested in a bitcoin startup that is developi
Cryptovalley in Switzerland, Coinffeine in Spain, Bitcoins in the Netherlands...innovation is globalizing...will multibillion exits as...
Majority of UK consumers ready to try new challenger banks
Consumer ready to switch banking 4 out of 5 in the UK, 1 out of 5 in the US...European Disruption accelerating!
{
Four-in-five UK consumers would trust a new challenger bank with their money, and over half think that a reliable IT infrastructure would...…
RBS embraces crypto-currencies in hackathon leveraging Ripple
Nice use case example of Ripple
Digital Consumers Unhappy With What Banks Deliver
Bridging the digital gap....the ones that get it right tap into a multibillion opportunity!
Seedrs: Global investment platform is ‘absolutely possible’
International consolidation beginning.....we expect more consolidation in equity and lending platforms to create international champions!
Dwolla...banking reinvented
Dwolla...I love this disruptive angle "The cash in your pocket is a UI. It’s a trigger to post to a balance sheet in a computer"
Apple Adds UnionPay, China’s Largest Bankcard Network, To App Store Payment Options
The importance for offline presence for digital success....4.5 Billion cards issues are 4.5 cards per chinese....anyway the 100 million...
LendingClub, with plans to go public, also seeks a buyer
IPO, Trade sale, it will set a mark and a direction...trade sale to a bank might make it even more exciting....as there are 1,000 times...
10 Innovations For The Bank Of The Future
10 thoughts about the bank of the Future...big unanswered question is whether there is a bank in the future....
The Amazon Echo...no click payments
From payments one click a way to...no click away
UK government questions re Cryptocurrencies
20,000 UK citizens have a GBP 60m worth of Bitcoins in the UK....which equals 0,01% of the average daily FX trading volume in...
Bitcoin Startup Coinbase Is Raising Another $50 Million
Interestingly Bitcoin start-ups still raise money in USD....in stead of Bitcoins....
Machine-to-Machine: Insurance Applications Emerging
The application of Internet of Things to Insurance and Banking....Auto tracking, House Insurance, inventory tracking, Trade tracking etc.
Google pulls plug on in-app Wallet payments
Signs the market will mature and we will see a shake out or consolidation of the wallet and consumer payments...
Americans trust banks over Apple for mobile wallets
The battle for winning trust of the customer...the real assets financial institutions have or had!
Vodafone SmartPass arrives in the UK
NFC back in the mix in the UK....after a first push lead by Barclays in 2011
MasterCard forecasts death of static passwords with 3DS
The end of static passwords...how will delegation work....if consumers use wallets, apple pays, etc. to pay...which than underlying use...
Square Eschews Free, Starts $29 Pre-Orders For Chip-Based Card Readers
Smart new release....historically payments was about lowest cost per transaction vs the smartest way per transaction....time will tell...
Uber Launches Wallet-Based Payment System In India To Comply With New Regulations
Big win for Paytm....powered by the regulator....
Korean Internet Giant Daum Kakao Launches Its Own Mobile Payment Platform
The Alipay of Korea....? Will there eventually be a global leader or local by local...paypal, alipay, ideal, etc.
Alibaba’s Financial Services Arm Is Absolutely Massive In China
80% marketshare alipay all mobile tx!
U.K. Confirms Payday Loans Caps Coming In January
Where will the people go that borrow today, but can no longer do post the gap? The waterbed effect...the water goes somewhere...friends...
Dutch entrepreneur injects bitcoin wallet under his skin
The Dutch way of adopting Bitcoin....
NCR to offer bitcoin payments via iPOD POS; activates cash function at video ATM
What an interesting times....at the one hand people are finding solutions for handling security and growth in cash in gasstations...on...
Fintech, reshoring and infrastructure: Britain has £300bn of potential
With according to accenture GBP 1 Bn cummulative in investments in UK FinTech and already...yielding GBP 20 Bn in revenues not a bad...
Bionym’s heartbeat authentication may be the key to smartwatch mobile payments
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Mastercard and identity wearables company Bionym say they will test the use of wearable devices to authenticate and execute “contactless”...…
The Larger Implications Of Electronic Payments Adoption
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Editor’s note: Alberto Jimenez is director of mobile payments at IBM. Jimenez was most recently Director of Global Mobile Solutions at...…
BITCOIN PAYMENT API DEVELOPERS WIN MONEY
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A trio of bitcoin developers won the grand prize of the first-ever Money 20/20 Hackathon in Las Vegas. More than 450 developers,...…
Be a Great Hacker, Get a Great Job
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At the Money 2020 Hackathon in Las Vegas, there's more than just the $125,000 in prize money at stake. Winners here may also land a job...…
The Future Of Money
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In the early 1970’s, the financial industry was transformed by a strange confluence of events. In 1973, The Chicago Board of Trade...…
Is Alternative Finance Now Britain's Fastest Growing Industry?
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The growth posted by Britain’s alternative finance sector is, by any standards, remarkable. A report published today by innovation group...…
LendIt Europe: November 17, 2014 at 155 Bishopsgate, London
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LendIt Europe is Europe’s largest gathering of the online lending industry. The inaugural European event will bring together...…
Fintech Companies Attract $1 Billion in New Equity in October
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By Jim Bruene on November 6, 2014 8:15 PM We have only been tracking fintech investments across all companies since Aug 1. But I'm...…
Home Depot hackers also seized 53 million email addresses
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Third-party backdoor and a Windows vulnerability helped the Home Depot hackers plunder 56 million card transaction at the point-of-sale...…
Alternative finance sector set for explosive growth
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UK innovation agency Nesta says that £1.74 billion will have been raised through alternative finance intermediaries – including...…
Bitcoin Firm Head Charged in First-of-Kind Ponzi Case
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Virtual currency-based investments was accused of masterminding a $4.5 million Ponzi scheme in what U.S. prosecutors said was a...…
Banks accused of failing to report true scale of cybercrime
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Committee chairman Andrew Tyrie is to question banks over allegations that they may be under-reporting instances of bank fraud because...…
Competition watchdog to investigate UK current account and SME banking market
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23 hours ago | 7974 views | 2The UK's Competition and Markets Authority is to launch a full-scale investigation into personal current...…
NOAH
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We are thrilled to announce some recent additions to the exciting line-up of speakers for NOAH 2014, taking place on the 13th and 14th...…
Money20/20: MCX and Softcard set out plans to take on Apple Pay
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05 November 2014 | 2823 views | 0In the long shadow of Apple Pay, this week two major mobile money ventures, telco-backed Softcard...…
Braintree Now Lets Merchants In Europe Sign Up With An Email, A URL And A Blurb
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While PayPal continues to work out its frenemy relationship with Apple, and figure out how it will chart its life as a company separate...…
Citi outlines plans to shrink the bank branch
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Hot on the heels of the opening of a massive 6400 square foot flagship outlet in San Francisco, Citi has laid out plans to pilot a more...…
Facebook Is Reportedly Working On “e-Money”, In Talks With TransferWise, Moni Technologies & Azimo
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Facebook wants to be the Internet and you don’t need to be a social media expert to state that. While it is working on drones to make...…
KNIP Series A
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Versicherungs-App Knip schliesst Serie A-Finanzierungsrunde ab David Torcasso, 07.10.2014, 11:47, 0 Kommentare Schub für die...…
KNIP new on boarding process
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#Preview für unseren neuen Onboarding Prozess. Einfach & schnell anmelden! #Selfservice #Knip http://bit.ly/1v9I6ts
KNIP 1000 downloads
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In nur 14 Tagen Download #1000 im #AppStore @all: Danke für das Vertauen! #Knip #App #Suisse: http://bit.ly/1t4hfl7
US banks pay high price for cosying up to Apple
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3 US banks are paying a high price for the privilege of placing their cards on Apple Pay, with the tech giant demanding not just cash...…
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