Insights

Francesco Filia on the 'What the Fintech?' Podcast

Francesco Filia on the 'Work in Fintech' Podcast

The Snake That Eats Itself
AI is eating software and coding. Then AI eats AI. The terminal direction of AI pricing is downward, even if the path is volatile and premium models retain pockets of pricing power.

The Return of Zero:
Why Negative Rates Are Coming Back

The post-pandemic rate cycle has one more act. It ends where the last one did - below zero. The question is not whether, but when, and how fast we get there.

The Rise of Asset-Backed Digital Rails

Unlocking Yield and Stability: Asset Based Finance in Modern Wealth Portfolios

Tokenised Private Credit: Unlocking Yield and Liquidity in DeFi

How on-chain finance is transforming private credit for institutional investors, turning slow, locked-up loans into fast and liquid assets without sacrificing yield.

Building a Crypto Hedge Fund from Scratch

Nikita Fadeev shares his fascinating journey from discovering crypto at St Andrews to leading one of the industry's top-performing digital asset funds.

Fasanara Capital in the Hedgeweek 2025 Global Outlook Report

In 2025, fintech lending will continue to disrupt traditional banking, driven by institutional capital and growing demand for alternative income sources. With rising income inequality and fiscal challenges, decentralised financial systems powered by technology will play a crucial role in serving the real economy.

Francesco Filia Talks about Specialty Finance: Evolving Opportunities in Alternative Lending at Global Alts Miami 2025

In January 2025 Francesco Filia, the Founder and CEO of Fasanara, spoke at iConnections in Miami on a panel 'Specialty Finance: Evolving Opportunities in Alternative Lending' at iConnections in Miami.

Francesco Filia Invited on London Fintech Podcast to Explore the World of Private Credit

The episode highlights key market trends, including the decentralisation of traditional banking, the rise of institutional interest in uncorrelated returns, and the integration of fintech and blockchain as drivers of future growth. Francesco also reflects on the lessons learned from past failures and offers valuable advice for aspiring fintech entrepreneurs.

The Ascent of Asset-Based Lending Strategies

The growth in private credit has been driven by the continued trend of bank disintermediation and strong, risk-adjusted return performance relative to other major asset classes. Bank disintermediation has occurred due to increased bank regulations and capital requirements following the global financial crisis, which has caused a reduction in banks’ balance sheet capacity to hold risk-weighted assets.

Francesco Filia invited on 'The Naked Short Club' to discuss Fractionalised vs. Narrow Banking & Fintech And More

Post-Election: the US Economy & the Dollar; Emerging Markets: Burdens vs. Opportunities; Future of Finance: Fractionalised vs. Narrow Banking & Fintech. Experts, Stephen Pope (University of Maryland) & Francesco Filia (Fasanara Capital) join host, Dr. Stu on the N@ked Short Club

Fiscal Hubris: Lessons from History

As we progress through elections over the remainder of 2024, the rhetoric of increased fiscal spending will likely dominate the political discourse. However, history teaches us that such an approach is fraught with risks.

Recession Risk Looms

Inflation has significantly declined since the 2022 CPI peak of 9.0%, but the current level of 3.0% is above the Fed’s 2.0% inflation target. The risk is that additional disinflation may occur by year-end and into 2025 and, therefore, monetary policy will be too tight as real rates rise. We believe that the likelihood of a recession, stemming from the rapid rate hikes, has been delayed but not derailed, as monetary policy works with a lag.

Fintech Lending Strategies Have Been Able to Generate Robust Performance

Technology-enabled corporate receivables and consumer lending strategy market leaders, such as Fasanara, have a long history of generating strong, consistent investment performance for their investors. This long successful track record is reflective of having a distinct investment process, extensive operational scale and advanced credit risk management.

Francesco Filia invited on 'The Naked Short Club' to discuss forthcoming book, 'The Future of Finance'

The book examines fintech lending as an alternative to traditional banking, highlighting its rise over the past decade, particularly its role in providing credit to small and medium enterprises (SMEs) and consumers often overlooked by traditional banks.

Fintech’s Evolutionary Dance: The Cycle of Bundling, Unbundling and Rebundling

The strategies of bundling, unbundling and rebundling have marked the progression of services and products, mostly digital, offered to consumers. This dynamic interplay, deeply rooted in the industry's fabric, reflects its response to technological advancements, regulatory changes and consumer preferences, shaping a landscape where agility and innovation thrive.

The Silent Revolution: The Shift Towards Asset Tokenisation in 2024 and Beyond

Tokenised private credit, introduced in 2021, offered a middle ground in the risk-return profile within the crypto market, providing attractive risk-adjusted, non-correlated returns.

Rethinking Fintech: Dispelling Myths and Embracing Realities

This exploration investigates the notable rise of fintech from a niche sector to a driving force, challenging traditional banking norms and embracing the dawn of technological innovation.

Redefining Financial Stability: Narrow Banking Excels in the Digital Age

The role of asset managers and fintech lending platforms as real 100% “equity” banking stabilisers.

Expanding Portfolio Diversity Through Fintech-Enabled Private Credit

Institutional demand for private credit strategies has grown significantly over the past decade, and the outlook for private credit is very favorable given the regime shift to a higher interest rate & inflation environment.

Revenue-based Financing: Origination and fee models

Revenue-based financing started gaining popularity by the end of 2021 when the VC funding was starting to dry up and the startup valuations had peaked. Startup founders got easily comfortable with the RBF product due to its quick turn-around time and non-dilutive nature.

Fintech Lending and the Platform Economy: A New Paradigm in Financial Networks

In the annals of finance, we are at the precipice of an epochal shift. As we peer into this new world, one thing is clear – Fintech Lending is at the heart of the transformation.

Constructive Conditions for Consumer Loans

While the art of perfect market timing is a chimera, even in an age of AI, there is clear evidence that risk adjusted returns in consumer loans are on a trajectory of strong recovery that will benefit the asset class for the foreseeable future.

DeFi: Rising from the Ashes or Never Really Dead?

Discover the untold resilience and unstoppable growth of decentralized finance (DeFi). This insightful piece reveals promising indicators and breakthrough innovations powering DeFi's revolution, painting a vivid picture of a financial future being reshaped like never before.

The Recent Banking Crisis & The Impact On Fasanara’s Alternative Credit Strategies

This note summarizes the many interconnected drivers of the current crisis impacting US banks, the US government and Federal Reserve response, and the likely consequences for credit availability and lending standards.