Fasanara Fintech Weekly

B2B BNPL, Mortgage Lenders' Fintech Solutions, Digital Currencies and Energy Consumption & More




Happy a great start of the week!



In this edition:


  • B2B BNPL: ‘Buy now, pay later’ for businesses is the next fintech boom

  • How fintech charted a positive course through the global pandemic

  • How mortgage lenders are qualifying the value of fintech solutions

  • How Artificial Intelligence is shaping the future of the fintech industry

  • Digital currencies and energy consumption.




 

B2B BNPL: ‘Buy now, pay later’ for businesses is the next fintech boom.



Fintechs offering short term finance for companies has been a standout category for venture capital investors in recent months while larger lenders are also hatching grand plans.


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How fintech charted a positive course through the global pandemic.



When the Global COVID-19 Fintech Market Rapid Assessment Study provided a snapshot of the fintech market’s performance during the first six months of the global pandemic, the indications were that it had fared pretty well.


All but one of the fintech verticals reported growth in the first half of 2020 compared to the same period in 2019, with some sectors even reporting a 21% year-on-year growth in transaction volume.


But after two years of lockdowns, vaccination programmes and varying levels of governmental intervention, what impact has this had on the fintech industry? And why is this important?

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How mortgage lenders are qualifying the value of fintech solutions.



An increasingly digitized world has given way to new solutions that are making business easier for everyone, mortgage lenders included. HousingWire recently spoke with Sue Woodard, senior advisor to Total Expert, about the ways lenders can measure the effectiveness of their fintech solutions and what they can do to keep pace with the digital mortgage revolution.


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How Artificial Intelligence is shaping the future of the fintech industry.



Managers who work in the financial area, and UK-resident banks or investment companies, should always look for an optimal approach to customers, processes, and data. Embracing AI technologies may come in handy here. That’s why the AI maturity of UK banks and other financial institutions is in the spotlight. Let’s figure out what benefits these institutions get by implementing and scaling AI.


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Digital currencies and energy consumption.



The payment system is evolving rapidly, with new forms of digital currencies providing opportu­nities, while fueling debates, including on the environmental costs.1 Whether through the printing, distribution, and disposal of cash or through the processing and maintenance of card or bank payments, there is an energy and environmental cost to payments, which is nonnegligible. But the payment system is in motion. One key part of the payment system transformation is the rise of crypto assets that rely on cryptography and distributed ledger technologies (DLTs). This paper examines the implications for energy consumption from different forms of crypto assets based on their distinct design elements. It investigates how the takeaways from this evaluation can inform the design of environmentally friendly central bank digital currencies (CBDCs).


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Thanks for your time!