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...
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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Am curious how the customer acquisition cost will develop for payments...it was defacto zero for banks...and they made money on the...
2015: Year we expect to see many more partnerships between established players and start-ups to accelerate expansion/growth
By ANNA IRRERA and ORR HIRSCHAUGE Chinese financial powerhouse Ping An and Russia’s largest lender Sberbank are in advanced...…
The battle for the identity, consumer relationship at global scale!
It looks like Apple Pay will soon face some competition in the mobile payments space from its biggest competitor, Android. According...…
The FinTech momentum continues! Global investments in fintech: From $520m in 2010 to $2800m in 2014
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...
Editor’s note: Ken Miller was VP of risk management at PayPal executive and adviser to Square. Recently, PayPal announced several...…
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,...
Great lessons, also fully support the Vanguard point as it has the lowest cost over manageable assets! Translating these lessons into...
Innovation should help to reduce costs with 10% p.a. coming years as well as increase revenues!
Chair of the Supervisory Board of the single supervisory mechanism Daniele Nouy attends a news conference at the European Central Bank...…
There is downside of FinTech...who and what do you hammer in case your digital wallet is not working....
In an uncontrollable fit of ATM rage, a Chinese man took a hammer to nine cash machines in the City of Guangzhou after his bank card was...…
Think with the current low interest environment we will see many more institutional as well as Private money flowing into the sector!...
great promise...look forward to see the impact!
CheBanca!, based in Milan, kicked off a campaign to create a community for fintech enthusiasts earlier this year. Partnering with the...…
Interesting to see the gap between the digitalization in EMEA versus the US...in Northern Europe for the last 5-10 years consumer...
If this happens at all.....this would probably reset some of the advertisement dynamics!
The European Parliament has passed a historic vote to break up US tech giant Google. The EU doesn't actually have the power to break...…
Offline and online conversion ongoing. Also surprisingly to many several cash handling solutions are growing fast e.g. for retailers,...
Interesting swap of investor base, a swap of Visa for Mastercard and wondering how they structure the partnerships while being a listed...
On itself interesting confirmation......but that these breaking insights had to come out of the university of Luxemburg came with...
We expect more Banks and Wealth Managers to launch their own platform....question is what the implications are for the Bettermentm,...
The growing challenge for Financial Institutions is the IT spend, growing as a result of regulation, digitalization and keeping legacy...
Bitcoin disrupting Remittances...Disruption creates friction, Uber in the Taxi world....Blockchain in the Payments world
Western Union has reportedly taken action against a bitcoin spoof of one of its ads, triggering a backlash from proponents of the digital...…
40 billion installed base!
The Internet of Things (or IoT) is a concept in which wireless devices connect to each other through the Internet. These devices include...…
Consolidation happening...joining forces of banks together has worked (e,g. Ideal) to fight the battle versus paypal in the past and...
Interesting and valuable set of predictions from uptime to Bitcoin and a blend from old and new technologoes
Several advises from uptime to Bitcoin e.g. Bitcoin transaction database "has been up and running for six years and all the hackers in...…
French banks have teamed up like the Dutch did to conquer PayPal...in the Netherlands this was successfully done via Ideas
Paylib, a PayPal-style online payment system set up last year by French banks, is extending its reach thanks to the addition of Crédit...…
the online offline convergence! who will get most out of this.....Banks/card companies...or the social networks? More and more trending...
Good news for BitCoin as well as other cryptocurrencies
Jakob Kamminga, an official from the Dutch Ministry of Finance, has said that bitcoin transactions will "probably" be not liable for...…
Crypotcurrencies could slash remittance cost with 2/3rd!
When Bayaua sends part of his earnings back to his family in Santiago, he selects either a Western Union money transfer or an inter-bank...…
Kensho has been an impressive approach, curious to see how the GS partnership plays out
Goldman Sachs has led a $15 million investment round in Kensho, a startup that is seeking to supplant human equity analysts with...…
IT landscape rationalization continues...expect that in 10 years from now Banking will be made more simple, lower cost and more...
Emerging markets will be a fundamental game changer next decade to have 3 billion new people getting online, imagine how this will...
Growing partnerships in the FinTech ecosystem
Hong Kong’s close proximity to manufacturing hubs like Shenzhen, China, and its small but growing startup ecosystem will make it a...…
Interesting financial analysis of the SME lending models re the CAC/LTV metrics and challenges and implications for financials vs...
Interesting facts on the % substituting banks as well as the % GDP growth the lending platforms bring
The level of peer-to-peer (P2P) business lending has increased by 250 per cent since 2012. Figures show £749m was lent in the first...…
Love this space, especially the mid market segment for who cyber can kill
The last few years have seen a dramatic rise in the number and severity of cyber-attacks and data security breaches. And these are just...…
Would nicely strengthen core-tier one ratios of the banks.e.g. would add ± 1 bn to Barclays capital!
40 minutes ago | 458 views | 0Visa Inc says that it may have to find $10 billion to fund the acquisition of Visa Europe should...…
Apple has almost a billion payment cards on file, also impressive to see the gap with #2
Having payment card information is crucial for keeping customers within one’s ecosystem, and the biggest tech companies have done a great...…
Female Financial Advisers Sought as Boomers Need Planning....the net effect of digitalization seems not be taken into account....as the...
Interesting facts on ROBo, strong solution for creating high quality affordable solutions for affluent investors.
Paladin produces research reports that document all types of financial professionals and firms. An Online Financial Advisor (Robo) is a...…
Interesting watch
William Ready, Braintree CEO, discusses the newest players in the online and mobile payments space.
Always surprised by the Digital Officer debates....would rathe reargue for a digital minded CEO and a Chief Old world reporting to...
Interesting lessons and ideas how Financial Services can be disrupted further. Transparency on Quality...imagine all wealth advisors...
Big opportunity for Financial Services...to date security push back has limited potential, we see some first solutions and workarounds...
Massive opportunities to make the next step in Insurance!
How Will the Internet of Things Affect Your Business? Comment Now Follow Comments The Internet of Things, or IoT, is a mysterious...…
Mobile will play a key role in the solution as 1 bn of unbanked will become online next years via mobile!
BOSTON—Bill Gates is banking on digital technology to bring financial services to the world’s poor. “Rich people take for granted...…
Dictionary is one...commercial success is historically not correlated with oxford dictionary
After a breakout 12 months for tap and pay, 'contactless' has made Oxford Dictionaries' shortlist for international word of the year. ...…
Google’s rocky relationship with the EU looks like it could be getting rockier. The European Parliament’s new draft motion, spotted by...…
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,...
We of course love this research...as a sector fund Focused on FinTech!
As the private equity environment gets more competitive, some firms are finding an advantage by specializing in specific sectors. And...…
Continues to be a significant opportunity and bottleneck to authenticate and digitize the on boarding and signing processes
Samsung Ventures invests in DocuSign22 hours ago | 1100 views | 0Source: DocuSignDocuSign announced that Samsung Venture Investment...…
Love it, great solutions for one of the biggest issues...identification...not
At Onename, we've always been committed to decentralizing identity on the web. Earlier this year we came out with the Openname...…
Very interesting factoring models are emerging that take out multibillion inefficiency in SME lending. Models in Media, Apple, Google...
Increasing adaptation getting in place, you sometime wonder whether this train still can be stopped....or
16 hours ago | 1909 views | 0Coinbase has struck a deal with payments platform RewardsPay that enables online shoppers to use bitcoin...…
Great partnership curious to see the impact
McAfee and Europol’s European Cybercrime Centre (EC3) have signed a memorandum of understanding (MoU) in the war against cybercrime. ...…
Another new bank.....with ±100% of the bankable population already being banked in the UK, and Atom also being launched...curious to...
In 2013, someone became a victim of identity fraud every two minutes, totaling 13.1 million people. Identification....a big issue Banks...
Interesting comparison, question that is unanswered is what is the Skype in Bitcoins...is it Blockchain or is it...
....But while the app has now been turned on internationally, the hardware has yet to arrive.
Last week, when Square started pre-orders for new chip-based card-reading hardware to upgrade the current mag-stripe equipment, we noted...…
Great solutions for real problems
The U.S. Commodity Futures Trading Commission (CFTC) today launched CFTC SmartCheck, a new national campaign to help investors identify...…
Fines....I would assume if Banks get a fine for locking out customers...the customers would get the benefit of the fine....
The Royal Bank of Scotland and its subsidiary Ulster Bank have been hit with a £56 million fine by regulatory authorities over a computer...…
The Battle for FX....lots we expect to happen...and than the banks drop the FX rates....
Company hopes to accelerate its 'digital transformation' In the same week that TransferWise has been rumoured to be picking up a billion...…
Interesting comments in the report...UK won in Europe...., the UK’s ‘entrepreneurial aspirations’ were valued as weak by the GEI.
UK ranked fourth globally behind US, Canada and Australia. For the first time, the UK has claimed the title of Europe’s most...…
Most see Bitcoin as a commodity/asset, Finland as a Financial Service. Ultimately, the underlying bit coin technology might become a...
Dutch FinTech!
BitPay has teamed up with Dutch startup BitStraat to launch Amsterdam Bitcoin City, a project aiming to establish Amsterdam as the...…
Business minded regulation
The Securities and Exchange Commission has approved new rules designed to strengthen the US market's technology infrastructure, which has...…
Super cool! What happens to the buildings if the stock tanks?
US financial services giant Fidelity Investments has built an application for the Oculus Rift virtual reality headset that lets investors...…
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...
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...
The war for new talent...shortage of 250,000 analysts by 2015!
Stevens Institute of Technology, a premier, private research university, and Accenture (ACN) have initiated a research and education...…
#Bitcoin is the most significant technological advancement since the browser. Bitcoin at pre-Mosaic inflection point according to panel
Stanford Graduate School of Business Professor Susan Athey, Mirror Chief Executive Officer Avish Bhama, Boost VC CEO Adam Draper,...…
With mobile banking growth on the rise....hopefully soon no need for cheques in Africa
Tall GroupCheckprint, part of the Tall Group of Companies, the UK leader in the provision of secure paper and payment solutions, has...…
The battle got started.....!
PayPal has built an app for the Pebble smartwatch that lets users check in and pay at retailers on the go. The app lets Pebble wearers...…
Cracking the authentication code...one click financial services....needs to save, lend, borrow and invest are likely to stay....the way...
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...
Another invoice supply chain finance company....would expect a consolidation to happen in the coming 12-24 months
Obellix helps small business invoice instantly Invoicing business Obillex has raised $4.7m from Dawn Capital and MMC Ventures. The...…
10,000 transactions in one day, as well as milli payments....payments reinvented!
Bitcoin tipping service ChangeTip has reported increasing user activity, claiming that it has signed up 34,000 users since it was founded...…
Insurance being reinvented via internet of things....your driving behavior, do you lock your house, your lost phone are you sloppy or...
Interesting comments...mobile banking should be more than a smaller website...
Only a handful of banks and credit unions aren't offering mobile banking now. Yet, investment remains a high priority as we move into...…
the end of the advisor.....and analyst
Financial analysts matter. That’s why you often hear them asking questions at the end of earnings calls, when the CEOs of public...…
Complete payment overhaul has started.....banks more and more are pushed to become a commodity factory....
One year after exploding on the scene, it looks like Coin, the YC-backed startup that wants to replace all your bank cards with a...…
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
A tech industry-backed, U.K. government-funded initiative offering free online courses to those wanting to learn commercial digital...…
Blockchain and its use cases!
One cannot leave a FinTech or digital currency conference without hearing some rendition of "I love the blockchain, just not bitcoin"....…
Which approach will win the business lead or consumer lead? Historically the consumer always wins....unless these solutions are blocked...
Would love if we can pay finally UK taxis contactless....even cards are not accepted
Contact less has shaken off its novelty tag in the UK and is surging towards the mainstream according to Worldpay, which is reporting a...…
One click payments...and continuos growth of partnerships with social tech players that increasingly own the customers....with banks...
14 million Chinese make up 78 percent of all overseas spend....out of 1 billion Chinese....
Earlier today, Ant Financial, the Alibaba Group affiliate that operates Alipay, China’s largest online payment platform, said that it had...…
Interesting set of reading material to get up to speed on BitCoin and Crypto
Get started with Bitcoin. Why Bitcoin Matters dealbook.nytimes.com/2014/01/21/why-bitcoin-matters/?_r=0 Added by @balajis 2 days ago...…
Intersting list....most companies are already listed and seem mature companies....would love to see more innovation in the back and...
Cryptovalley in Switzerland, Coinffeine in Spain, Bitcoins in the Netherlands...innovation is globalizing...will multibillion exits as...
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...…
Nice use case example of Ripple
A team from RBS took top honors at the Deloitte Digital #GoneHacking capital markets hackathon on Friday with a trading platform that...…
Bridging the digital gap....the ones that get it right tap into a multibillion opportunity!
U.S. consumers are living a digital lifestyle across generations, but see their primary financial institution as lagging in the ability...…
International consolidation beginning.....we expect more consolidation in equity and lending platforms to create international champions!
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"
BREAKING DOWN THE DWOLLA NETWORK TO ITS CORE. DWOLLA, AS A NETWORK… HAS NO MONEY. IT’S NOT A BANK. DWOLLA DOES NOT HOLD MONEY. THE DWOLLA...…
The importance for offline presence for digital success....4.5 Billion cards issues are 4.5 cards per chinese....anyway the 100 million...
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 thoughts about the bank of the Future...big unanswered question is whether there is a bank in the future....
The Financial News and WSJD inaugural Fintech Conference in London. Here are some of the key innovations they came up with: 1. Banks...…
From payments one click a way to...no click away
This morning, Amazon announced a new device called Echo. With a built-in, cloud connected, “always on” microphone, the Echo can listen...…
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...
Interestingly Bitcoin start-ups still raise money in USD....in stead of Bitcoins....
Bitcoin startup Coinbase is seeking to raise another round of funding, which could add $50 million in new capital before it’s finished....…
The application of Internet of Things to Insurance and Banking....Auto tracking, House Insurance, inventory tracking, Trade tracking etc.
Signs the market will mature and we will see a shake out or consolidation of the wallet and consumer payments...
Google pulls plug on in-app Wallet payments27 minutes ago | 380 views | 0Google is pulling out of the in-app purchasing game by...…
The battle for winning trust of the customer...the real assets financial institutions have or had!
Despite the fanfare that accompanied Apple Pay's launch, less than a third of Americans would consider obtaining a mobile wallet app from...…
NFC back in the mix in the UK....after a first push lead by Barclays in 2011
SmartPass, the mobile contactless payments services developed by Vodafone with Visa has quietly been launched in the UK following several...…
The end of static passwords...how will delegation work....if consumers use wallets, apple pays, etc. to pay...which than underlying use...
Smart new release....historically payments was about lowest cost per transaction vs the smartest way per transaction....time will tell...
Big win for Paytm....powered by the regulator....
Uber has introduced a wallet-style payment system in India in response to recent regulations that require all online transactions to pass...…
The Alipay of Korea....? Will there eventually be a global leader or local by local...paypal, alipay, ideal, etc.
Daum Kakao, one of the largest Internet companies in South Korea, has launched a mobile payment platform called BankWalletKakao as it...…
80% marketshare alipay all mobile tx!
Less than two months after his company Alibaba enjoyed the biggest IPO in history, founder and CEO Jack Ma says Alipay, part of the...…
Where will the people go that borrow today, but can no longer do post the gap? The waterbed effect...the water goes somewhere...friends...
The Dutch way of adopting Bitcoin....
Dutch crypto-currency fanatic has implanted two NFC tags under the skin in his hands to store his digital cash. Martijn Wismeijer, who...…
What an interesting times....at the one hand people are finding solutions for handling security and growth in cash in gasstations...on...
With according to accenture GBP 1 Bn cummulative in investments in UK FinTech and already...yielding GBP 20 Bn in revenues not a bad...
Mastercard and identity wearables company Bionym say they will test the use of wearable devices to authenticate and execute “contactless”...…
Editor’s note: Alberto Jimenez is director of mobile payments at IBM. Jimenez was most recently Director of Global Mobile Solutions at...…
A trio of bitcoin developers won the grand prize of the first-ever Money 20/20 Hackathon in Las Vegas. More than 450 developers,...…
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...…
In the early 1970’s, the financial industry was transformed by a strange confluence of events. In 1973, The Chicago Board of Trade...…
The growth posted by Britain’s alternative finance sector is, by any standards, remarkable. A report published today by innovation group...…
LendIt Europe is Europe’s largest gathering of the online lending industry. The inaugural European event will bring together...…
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...…
Third-party backdoor and a Windows vulnerability helped the Home Depot hackers plunder 56 million card transaction at the point-of-sale...…
UK innovation agency Nesta says that £1.74 billion will have been raised through alternative finance intermediaries – including...…
Virtual currency-based investments was accused of masterminding a $4.5 million Ponzi scheme in what U.S. prosecutors said was a...…
Committee chairman Andrew Tyrie is to question banks over allegations that they may be under-reporting instances of bank fraud because...…
23 hours ago | 7974 views | 2The UK's Competition and Markets Authority is to launch a full-scale investigation into personal current...…
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...…
05 November 2014 | 2823 views | 0In the long shadow of Apple Pay, this week two major mobile money ventures, telco-backed Softcard...…
While PayPal continues to work out its frenemy relationship with Apple, and figure out how it will chart its life as a company separate...…
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 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...…
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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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