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Ethics of Fintech & Blockchain

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Blockchain technology is one of the elements of the current Fintech paradigm that is changing the way our society defines money and organisations. Blockchain applications may not often be a revolution. Nevertheless, cryptocurrencies have a disruptive potential as technology power based on the decentralization of trust. Taking into consideration the ethics of fintech and blockchain, we […]

Are Digital Currencies the new Technological Power?

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Money is more and more digital with the emergence of virtual banking, online payment and cryptocurrencies based on blockchain technology. Although Bitcoin may not become a global reserve currency, it has opened the box for digital currencies created by private organisations and central banks that will compete with the Dollar. History has shown that the US Dollar will eventually […]

The (Ethical) Paradigm shift of Fintech and Blockchain

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Finance and Technology are interlinked and evolve together in the perspective of the Evolution of Fintech. The last paradigm emerged in 2008 following the financial crisis based on the widespread use of information technology and the need for regulatory innovation. The same year, a paper titled Bitcoin: A Peer-to-Peer Electronic Cash System was published by the unknown Satoshi Nakamoto who created the well-known cryptocurrency which […]

Toward a Global Fintech ecosystem based on Blockchain

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Hong Kong and Singapore are competing to become the leading Asia-Pacific Fintech Hub. The Fintech ecosystem had a busy month in November with the Hong Kong Fintech Week and Singapore Fintech Festival. The innovation hubs are also trying to become the leading place to launch a blockchain for business gathering several communities, conferences, festival, and meetups. […]

Fintech at the age of decentralised applications and Web 3.0

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In 2008, a Peer-to-Peer Electronic Cash System invention was released anonymously implementing the first cryptocurrency Bitcoin. In 2013, The 2nd generation of blockchain Ethereum added smart contracts functionality to program transactions without third parties. Then comes Cardano – blockchain 3.0 to solve scalability issue and add interoperability among different blockchains. The pioneer protocol competes with Ethereum, “Chinese Ethereum” NEO or […]

Leveraging Blockchain for Banking and Business Processes

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After the cryptocurrency burst last year, the market consolidates around leading exchanges and payment systems following the stablecoins trend and reducing the volatility of the market. The pioneer Ripple with its network of banks and payment providers, Circle payment technology and Coinbase exchange joint USD coin, JP Morgan with its U.S dollar backed coin, and other […]

Connecting Global Fintech Hubs to foster Financial Innovation

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The rise of Bitcoin and cryptocurrencies has created a network born global nevertheless blockchain technology brought regulation issues that local authorities still need to tackle. It highlights the importance of RegTech (regulation technology) to transform the current framework to foster the adoption of blockchain and new financial solutions. Traditional finance communities that gathered at the last […]

The paradigm of Fintech and blockchain platforms

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The new paradigm of FinTech started ten years ago with startup solutions that have emerged following the financial crisis. Since then, tech leaders (BATX in China or GAFA in the USA) have leveraged their customer database to launch “TechFin” solutions. More recently, the banking industry is adopting FinTech or TechFin solutions opening its customer database and building financial […]

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