Digital Bank
Send a nude pic for a loan
Some years ago, I remember a Chinese lender, Jiedaibao by JDCapital, asking applicants to send them a nude photo to get the loan. The photo would be kept private unless the loan defaulted. If payments were missed, the photo would be shared online to all your friends and contacts. That’s a good way to ensure…

Generative finance, or GeFi for short
We’ve had DeFi, CeFi, ReFi and more, but now it’s time for GeFi. If those phrases confuse you, we have Decentralised Finance versus Centralised Finance; we have Regenerative Finance, and now we have Generative Finance, or GeFi for short. What is GeFi? It’s the integration of artificial intelligence (AI) into finance. This all started with…

Tokenized digital assets will be a $16 trillion market by 2030
I blogged about tokenizing everything the other day and my friend Efi made an interesting post the other day, related to this, about a report from the Boston Consulting Group. The report focuses upon India, which claims to be the third largest FinTech economy behind America and Britain, and specifically calls out a few key…

Gaming + AI + The Metaverse = ?
I was asking the other day whether it is better or worse that my children play video games rather than watch movies, and the reaction was: time moves on. It surely does. The gaming industry is now bigger than Hollywood and music combined, so what do I know? According to a report by SuperData Research,…

Mercedes-Benz launches fingerprint payments with Mastercard … meh?
A few people got excited about the news this week that Mercedes-Benz had launched in-car fingerprint payments in partnership with Mastercard. I didn’t. In fact, it still amazes me how little we have developed since my days at NCR, then owned by AT&T. This was the 1990s and AT&T had this fantastic set of adverts…

Regulation versus innovation is a double-edged sword
I was intrigued by a new report from the IMF (International Monetary Fund) which states that: “if the use of fintech grows rapidly outside of the regulated sector, it can generate risks to market conduct and integrity”. Shock, horror! And so? “New fintech developments might quickly become systemic due to network effects (for example, when…


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