AMERICAN AND BRITISH spies hacked into the internal computer network of the largest manufacturer of
The hack in the largest SIM card producer in the world, based out of the Netherlands...assume your data is never safe...welcome back to...
Financial Technology Investors
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About
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.
Contact
- Concertgebouwplein 9, Amsterdam Piccadilly 105, London
- www.finchcapital.com
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GuardVest Aims to Shine a Light on Investment Fees
Like Banking disruption is not so much attacking volume but more margins of the established industry. Guard vest and FeeX are doing...
Samsung's LoopPay: What it is, and why you should care
If you have never played with the Kickstarter funded LoopPay, the following article does a good job of explaining how it works
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LoopPay is a mobile-payment system that could power Samsung's smartphone transactions in the future. Here's what we know so far. by...…
Samsung's LoopPay: What it is, and why you should care
If you have never played with the Kickstarter funded LoopPay, the following article does a good job of explaining how it works -...
Marketplace Lending Is Doing What Banks Can’t
A perspective what is unique on marketplace lending
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Lending Club’s IPO was massively successful. Up 56% on the first day of trading. $1B of additional cash raised. That it was the first...…
A SIMPLE MODEL FOR SMART CONTRACTS
Another great article intro into smart contracts
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Everybody I ask has a different definition of a “smart contract”; Here’s mine. I hear more and more people talking about “smart...…
Standardize, Innovate, Disrupt and Expand Digital Banking with Open API
The commoditization of Banking, with API's several attackers will have access to core banking functions, which will increasingly need...
Insurers prove laggards in technology race
The article makes the case of the big disruption opportunity in insurance
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At a time the financial sector is racing to embrace digital technology to boost sales and drive profits, the traditionally staid...…
Is Bitcoin Stalling?
Analysis of bitcoin accounts show that mainly used as investment and not for payments...see chart....Stellar and Ripple seem to more...
Credible, a ‘Kayak for student loans,’ lands $2.7M for itself
10 seconds to check and get insights...fast faster!
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One wonders if anything can fix the U.S. student loan system, in which many students carry massive borrowing for a credential that is...…
Onfido Raises $4.5 Million To Take Its Automated Background Checks Global
We love this space and strong need to "silent" background check: Data, Analytics, mobile and Biometrics should enable for many new...
FinTech Acquisition Corp. Closes $100,000,000 Initial Public Offering
The Dot com crazy-ness
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A blank-check company formed for the purpose of acquiring or merging with one or more businesses or entities in the financial technology...…
Smart contracts tutorial
Great set of tutorials on Eris on Smart contracts
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Solidity tutorial part 1
Betterment Raises Another $60 Million for Smarter Investing
With several raising significant amounts while having still 40 mln in cash in the bank you wonder whether they feel this is the perfect...
Facebook AI Director Yann LeCun on His Quest to Unleash Deep Learning and Make Machines Smarter
Great interview on Deep Learning
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IEEE Spectrum contributor Lee Gomes spoke with LeCun at his Facebook office in New York City. The following has been edited and condensed...…
Microsoft Officially Launches Azure Machine Learning Platform
Machine Learning made available to more
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You know all that big data that’s streaming into your company from sensors, customers, social media, Excel spreadsheets, and data sources...…
The On-Demand Stack
The on demand stack...implications for Financial Service disruption can be significant...as the risk appetite for on demand are low. We...
WorldRemit Raises $100 million – VCs Drawn to Growing Online Remittance Business
The fight for the customer in remittance: Price, Convenience and pay out flexibility!
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The $580 billion remittance market is poised for greater competition, as London based WorldRemit raises $100 million from a leading...…
New Digital Currency, Stellar, Aims for Financial Inclusion for Girls in South Africa
Stellar has a lot of the elements that take it to win, not an own currency (e.g. Bitcoin) and currency not owned by founders (e.g....
A Russian cyber-security company is impressing the skeptics
Found Kaspersky Lab when it was asked by a bank to investigate why its cash machines had taken on a life of their own...now close to 1...
Beacons are moving out of the pilot phase and helping retailers and marketers revolutionize in-store
Combining Beacons, Payments history, and geo location via phone should create massive opportunities for new sources of marketing and...
Arming for battle against Apple Pay, Samsung buys LoopPay
The battle intensifies, question whether start-ups in domestic mobile payments have a chance of beating Samsung and Apple?
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Apple Pay may have a new competitor in the mobile wallet space. LoopPay’s payment solution is essentially a souped-up phone case with...…
Visa begins ‘aggressive’ rollout of PayPal competitor Visa Checkout, launching in 7 new markets toda
The seven new markets are: Argentina, Chile, China, Mexico, New Zealand, Peru, and South Africa. And the remaining six territories are:...
Apple Pay could replace paper coupons with WalletAds, if Vibes has its way
Marketing use cases of combining geo location, loyalty and apple pay! Like in the past the value of owning the payments will be in the...
Lending Club, Small U.S. Banks Plan New Consumer-Loan Program
2015 the year we will see explosion of Lending platform partnerships to make the next "s" curve in growth
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A group of small banks is teaming up with Lending Club Corp. in a joint effort to wrest a larger share of the consumer-loan market from...…
A Rare Look Inside A Massive Bitcoin Mine
Interesting video that gives a bit more colour into the (chinese) bitcoin mining industry
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Bitcoin mining is not a pretty business. It requires lots of specialized servers that are essentially unusable for normal computing and...…
Rumors Of Robo Advisors’ Deaths Are Greatly Exaggerated
Great article showing the challenges established players have in making structural changes. On the surface it is very easy to replicate...
A ring of cyber-crooks used an unusual trick to steal up to $1 billion from banks around the world
New style bank robberies in the digital world....at larger scale than what would fit in any bank vault
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A multinational gang of cyber criminals has stolen as much as $1 billion from as many as 100 financial institutions around the world in...…
Biometric ID verification seems to be approaching a tipping point.
6 interesting demo's of Biometric usecases. Best solutions are these that are non intrusive e.g. looking at a mix of patterns and e.g....
Plato - Here’s What Google’s Doing to Counter Apple Pay
Hazzle free payments using voice avoiding tapping, typing or swiping
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In order to compete with Apple Pay, it appears that Google is going back to an idea that didn’t work for Square: allowing consumers to...…
BlackRock Finds Few Peers With $330 Million Book of Online Loans
The main bottleneck for platforms is finding more lenders...as borrower demand has gone up also fueled by the low interest rate...
Banks to compete with Google and Amazon! The empire strikes back?
Great initiatives! Banks (lead by Santander) offering services at low costs to strengthen relationship and economics. Only thing I...
Capital Float, An Online Lending Platform For Indian Entrepreneurs, Scoops Up $13M From Sequoia and
The next wave of P2P in emerging markets!
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Capital Float, a financial tech startup that wants to make it easier for small businesses in India to get loans, has raised a $13 million...…
Alipay users complain about red envelope promotion as battle with Tencent rages
Chinese battle among the giants!
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Tencent and Alibaba, two of China’s largest internet companies, are once again locked in a battle for the hearts and minds of China’s...…
Unbundling of Financial Services
Interesting article on the unbundling of Financial Services in distribution, manufacturing, etc. Very much believe that this will...
FN Fintech Focus: How much do banks spend on new tech investments?
Big Tech spend to increase on FinTech....if you add up all numbers see banks more have flat cost than declining costs.....with revenues...
Exclusive: Startup backed by Goldman, other banks may offer new research, data platform
a new Multex?
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A startup backed by Wall Street banks plans to create a digital marketplace for research and data products in a potentially ambitious...…
Student loan startup SoFi raises $200 million in Series D round
Another 1 Bn lending platform
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Social Finance Inc., better known as SoFi, raised $200 million in a Series D funding round on Tuesday that values the peer-to-peer (P2P)...…
Alibaba And Lending Club Launch Financing Program For U.S. Businesses
Interesting multiyear and exclusive partnership
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Alibaba.com and peer-to-peer financing site Lending Club have inked a strategic partnership designed to get more U.S. businesses to buy...…
Fidelity to acquire eMoney Advisor in major adviser-tech deal The Boston fund giant will acquire eM
Fidelity keeps on moving on FinTech investments, following partnership with Betterment, launched an initiative with Google Glass,...
Hargreaves profits hit by switch to clean pricing and launched P2P lending
Launches a p2p platform, with low yields think we will see increasing p2p aggerators/investment funds, platforms to give retail...
Social trading, low-cost active alpha and the democratization of Wall Street
The rise of social trading, especially for millennial see several models that get great traction among milenials that make non traders...
Millennials Are 10x More Likely to Use P2P Lenders Than the +50 Set
Nice Statistics on millenials, think this differentiation not only applies to Lending
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Banks are worried about the millennial generation, and rightly so. The generation born between 1980 and 1994 is the largest of any...…
Adviser technology is now all about the client Concentration on costs and on tech's impact on profit
Some nice examples how tech is used to enhance customer experience in advisory
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Financial advisers are addressing how best to invest in technology from a fresh perspective Mr. Phillips clicked “start” as soon as...…
Battle for mobile wallet
Good video/Slide deck on the landscape and the ongoing battle
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We also cover Apple Pay, big retail, NFC, in-app payments, beacons, wearables, and much more. A brief Q&A follows the presentation, to...…
The 'Internet of Things' Will Be The World's Most Massive Device Market And Save Companies Billions
Bold views on IoT
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The Internet of Things will be the largest device market in the world. We estimate that by 2019 it will be more than double the size of...…
Moving deeper into the Internet of Things, Intel has acquired smart home startup Lantiq for an undis
Intel estimates that 50 billion devices will be connected to the Internet of Things by 2020. Samsung, which bought SmartThings for $200...
Stripe-backed Stellar’s new integration gives poor South African girls savings accounts
Great initiatives expect with the significant adaptation of mobile to a point that significant africans are connected to see an...
Connected car device aims to help drivers avoid becoming a statistic
Opportunities to do smarter pricing for car insurance, either for attackers or for incumbents
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Buy an expensive ride these days, and it’s no doubt packed with an array of sensors, screens, cameras, and other built-in technology. But...…
Google now has a built-in mortgage calculator
Google expanding different elements of comparison of high value services and goods (insurance, Travel) and now mortgage comparison....
How a Swedish soup experiment points to a better use of iBeacons
Nice use case for on and offline retargeting with use cases by linking to payments or for loyalty
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Above: The soup samples. Next to them on the counter sits a small, white iBeacon. Mobile executive? VB is hosting our 5th annual...…
'Bad Blood' Between Ripple and Stellar Aired in Tell-All Report
Interesting background read on what happened
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The New York Observer has published a near 15,000-word story that takes a detailed look at the alleged historical "bad blood" between...…
19 Crypto 2.0 Projects to Watch in 2015
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As part of our 2014 recap, CoinDesk conducted a broad survey of the crypto 2.0 ecosystem to determine how the sector’s emerging...…
LendInvest is set to become the first peer-to-peer platform in the UK to list on the stock exchange
LendInvest is set to become the first peer-to-peer platform in the UK to list on the stock exchange in a sign the alternative finance...
Will Google Slash Allstate’s Revenue?
2015, the year Insurance disruption seems to take off...USD 50 Bn in commissions p.a
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In 2013 in the U.S., agent commissions on auto, home and commercial insurance totaled $50 billion, and that could go to zero. Photo...…
Young, Broke And Creditworthy
Like their branding towards millennials " Earnest - Loans for living lives"
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After graduating from Princeton in 2003, Louis Beryl took a job in New York City trading energy derivatives. While his new employer,...…
Cyber Insurance Demand Said Rising in Europe
Growing new market! Just wondering whether traditional insurance underwriting models make this work as different concentration risks...
Metromile aims to fill UberX’s insurance gap
The Metronome getting more traction!
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Metromile’s device in conjunction with a smartphone app can also give drivers insights into their fuel usage, engine diagnostics and even...…
Tech firms dealing with Chinese banks face tough new rules
Security will have growing importance and "commodity tech" can be an easy access
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New Chinese regulations mean that tech firms hoping to sign up the country's banks as customers will have to turn over their code, agree...…
The Top 10 FinTech Milestones of 2014
Some nice overview of 2014 key events
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2014 was the biggest year in FinTech by far with billions being invested globally, which is to be expected in a global growth sector. But...…
Standardised APIs could aid data accessibility in UK banking within two years
Commoditization of the Banking sector continues. Expect in the next 5-10 years few utility banks and than many more specialists
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UK banks could be forced to make more of the data they store accessible to consumers, rivals and new entrants to the market via...…
Surprise! How Banks compare to #FinTech startups based on lag time for updating banking
No surprise but still shocking delta's....and than imagine if you add the real young Start-ups
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Surprise! How Banks compare to #FinTech startups based on lag time for updating banking apps: http://bit.ly/1Cx3GKQ More
How we’re delivering on our commitments to our customers and powering the future of commerce_
.@braintree's first year w/ @PayPal: $22.8B in volume 2.8x YoY tran growth 4x mobile growth in Q4 $2.4B @venmo trans
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Having completed our first full year as part of PayPal, I wanted to share an update with our customers on the progress we’ve made toward...…
Investment banks pile into big data analytics
Goldman invests in big data analytics platform; Deutsche makes key hires in analytics and data.
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Investment banks have been laggards with big data and analytics, but there are signs they are throwing more resources and capital at a...…
ICICI Twitter banking puts all customers at risk
Interesting overview of the security risks
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ICICI Bank’s new Twitter based service is poorly thought through because it really does not require two-factor authentication, as the...…
Facebook Payments Continues to Plod Along
Some good facts on Facebook payments
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Facebook turned in ho-hum payments performance last quarter, even as it was the first quarter with payments wonk David Marcus under...…
Visa Poised to Invest €200 Mn a year in New Payments Technologies
EUR 200 million in new payment technologies, for a payment company the definition is a bit unclear "to accelerate growth of digital...
Deep learning startup Clarifai goes beyond image recognition, now offers video analysis
Revolutionising advertisements on TV, Video, Video on Demand etc. also can imagine if clients enter a branch or want advise you can...
Post Office launches offensive on banking industry Post Office Money aims to exploit 11,500-strong b
This might actually help some of their banks to radically become more profitable if others pick up the "face to face" customers. With...
The FinTech 50
The FinTech 50 of 2015:
Adyen
Algomi
BehavioSec
Blockchain
BUX
Byhiras
Calastone
Commuter Club
Credit...
The biggest banking challenge is leadership
And the challenge will only continue with pressure on compensation, ongoing cost cutting focus, etc.
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Those three barriers are regulations, legacy and culture. The three barriers are intertwined in a vicious circle. Regulations stop...…
Strategic choices for banks in the digital age Consumers around the world are quickly adopting digit
Seems cutting cost and using digital as a way to radically simplify is not a choice but a must each bank needs to have.
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If the last epoch in retail banking was defined by a boom-to-bust expansion of consumer credit, the current one will be defined by...…
Google Ventures introduces a site and book to help make your startup’s product better in 5 days
AI replacing accelerators and incubators?
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Are you putting together a startup based on a weird idea you had while drinking with friends? Well if you are, you should check out...…
Google brings e-mail money transfer system to Europe
Following mixed results in the US curious what will happen in Uk with Google Wallet
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Google is rolling out its e-mail-based money transfer system in the UK, almost two years after the feature was first released in the US....…
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