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Stewart Diss
Freshly Funded Fintech Blossom Moves Forward with Focus on the Social Synergies of Investing: This spring, Blossom is rethinking growth. The Vancouver startup was conceived in 2021 with the idea to combine day-trading technology with social elements. However, sliding markets and intense capital demands spurred Blossom to pivot away from establishing its own trading platform, and instead to focus on the synergy the app can add to existing platforms. […] The post Freshly Funded Fintech Blossom Moves Forward with Focus on the Social Synergies of Investing appeared first on Fintech.ca. --- Freshly Funded Fintech Blossom Moves Forward with Focus on the Social Synergies of Investing was first posted on May 21, 2024 at 10:44 am. ©2022 "Fintech.ca". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at rob@kitsilano.ca #Featured #News
21 Comment -
Rahul Bhatia
Hear from Romi Kohli and other industry experts as we explore the transformative impact, challenges, opportunities, and regulatory landscape surrounding Open Banking in Canada. 📊💡 Register today square.link/u/REnAIjky #OpenBanking #Fintech #CanadaFinance #Innovation #Regulation #FinanceRevolution #CanadaFintechSymposium
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Tal Schwartz
Here's your Canadian Fintech roundup👇 🤯 National Bank of Canada is acquiring Canadian Western Bank 💸 goeasy Ltd. crossed $4b in gross loan balances. They hit $3b in 2023 and are targeting ~6b in 2026. 💳 Zūm Rails, a payments gateway is expanding into card issuing and program management. 🖥 Artemis, a data-cleaning tool raised $2m. 🚨 OpenText, a Waterloo based cybersecurity company acquired Pillr, a US based cyber threat detection tool. -- Want more? Subscribe to the Canadian Fintech Newsletter in the comments below 👇
831 Comment -
Tal Schwartz
Laurentian Bank finally released their “revamped strategic plan”, with ambitious double digit growth targets. This follows a tough year for the bank: - a board shakeup - a fired CEO - a 5 day service outage 🤯 - a failed sale attempt The revamped strategic plan prioritises commercial lending and makes investments into tech & ops. Analysts were underwhelmed and the stock dropped 5%. My take on Laurentian is a bit rosier: A week-long service outage is unforgivable, but I’d argue that strategically Laurentian was on the right path before their CEO was removed. During Rania Llewellyn’s 3 year tenure, the bank launched: - a mobile app - a credit card program with Brim Financial - online account opening By bank standards that's Usain Bolt level product innovation. -- Want more stuff like this? Subscribe to the Canadian Fintech Newsletter in the comments below 👇
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Stewart Diss
Moneris Launches Mobile Point-of-Sale Feature to Streamline Digital Payments Across Canada: As the shift to digital commerce continues, Moneris Solutions Corporation continues to identify and invest in value-added services to offer to Canadian business owners. For example, Moneris recently unveiled a new feature allowing businesses to accept digital payments more easily. Toronto’s Moneris, a provider of solutions for mobile and in-store payments, this month introduced Tap […] The post Moneris Launches Mobile Point-of-Sale Feature to Streamline Digital Payments Across Canada appeared first on Fintech.ca. --- Moneris Launches Mobile Point-of-Sale Feature to Streamline Digital Payments Across Canada was first posted on May 27, 2024 at 5:00 am. ©2022 "Fintech.ca". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at rob@kitsilano.ca #News #Moneris
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Scott Bleasdell
Do you trust AI? AI is all the rage in some industries, but it’s scrutinized in others. Understanding how AI tech is built, how it works, and how it is used to help your industry is critical. Dye & Durham Corporation is carefully and diligently building new technologies leveraging AI responsibly and transparently to ensure that Canadians - as well as all of our customers around the globe - are able to deliver the highest quality legal services. #responsibleai #legaltech
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Laurent Van Huffel
Open Banking Expo this morning in Toronto. Kirsten Fraser from Finance Canada predicted, no commitment, that the Open Banking ruling, also known in Canada as Consumer-Driven Banking, will be officially released by end of 2025, early 2026. In the US, we expect the 1033 rules to be released by October 2024. Hopefully, by then, Canada and the US will have elected the same Open Banking standard to ensure interoperability within North America, and that Financial Data Exchange will be that choice. #openbanking #openfinance OpenFinity
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Bryan Watson
I cannot wait to see the folks at EQ Bank | Equitable Bank and the rest of the #OpenBanking ecosystem at Open Banking Expo 🇨🇦 on June 11 at the MTCC in Toronto. #OpenBanking not only opens the doors for a pantheon of financial services but also can help us reach #climate and #sustainability goals. Hoping to hear a lot more about this there! Join me to hear from high-profile industry thought leaders, regulators and practitioners on red-hot topics across three stages. #OpenBanking #OpenFinance #Payments #OBExpo
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Har Rai Khalsa 🚀
🎉 ANNOUNCEMENT 🎉 Today, I am thrilled to announce the launch of my new fintech venture Swaystack alongside my CTO, co-founder Simran S.. 🚀 For those of you who know me well, you know that this is not a decision that I take lightly as my wife is currently 33 weeks pregnant with a boy. Embarking on the entrepreneurial path as our family prepares to expand weighs heavily on me but I know in my heart that it is the right time and place for my 2nd fintech venture. I want to be my most authentic self as our boy comes to this earth and entrepreneurship lights up my soul. ❤️🙏🏽 When visualizing the ideal conditions to begin my next chapter, having the right technical co-founder was imperative to me. Simran and I hit it off from our first encounter as we share the Sikh cultural background, a passion for innovation, and the desire to be change agents in the fintech ecosystem for the right reasons. 📲💬 In our discussions with financial institutions, we heard a common theme that banks and credit unions are influential members of their communities, yet their "high touch" approach to fueling growth has proven difficult to translate to a digital-first world. ✍🏽🖨 With consumer expectations heightened by Big Tech and e-commerce — 72% of consumers expect personalized interactions across platforms — 60% or more of bankers are behind the curve and are struggling to meet the rising consumer demand for a personal touch in a digital world. ⌚️🏦 Swaystack’s mission is to help banks and credit unions tackle this challenge and compete with megabanks and neobanks through personalized digital engagement. We are laser focused on understanding the consumer’s needs paired with the right message and channel at the right time. 👩🏽🎓⏳ We believe data-driven financial institutions will be able to punch above their weight and set themselves apart from the competition with omnichannel messaging orchestration. Swaystack is being meticulously designed to enhance digital banking and customer relationship management (CRM) systems, allowing financial institutions to: - Reduce churn - Increase account balances - Grow interchange revenue - Drive loan applications To learn more about our vision to personalize digital banking and CRMs with a single consumer engagement platform, please check out our Hello World 👋🏽 post: https://lnkd.in/dHRs-Vtg Thank you for your support and encouragement on this journey. Here’s to new beginnings and innovative breakthroughs in the fintech space! 🚀🎉 #personalization #fintech #memberengagementplatform #customerengagementplatform #digitalengagementplatform #mobileengagementplatform #engagementplatform #customerengagement #digitalbanking #onlinebanking #crm #miamitech #startup #stealthmode #communitybanks #creditunions #financialinstitution #technology #startups #banking #jackhenry #fiserv #FIS
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Vijay Sondhi
I was in Canada recently and was shocked by how many small restaurants didn’t accept cash. Global cash use is slowly declining. Cash made up only 18% of U.S. transactions in 2022, falling behind debit and credit cards. This trend is becoming more common on every continent — especially in countries like Sweden, which is expected to become the first entirely cashless society. With such a long history of use, why is cash failing now? I believe the primary drivers are speed and convenience. At NMI, our research shows that 84% of consumers see speed and convenience as the number one reason for choosing a payment method. It isn’t rewards, fees, safety, or any other factor — it’s how quick and easy the payment journey is. That said, cashless payments aren’t convenient for everyone, particularly those who are underserved or unbanked. In my latest article for NMI, I explore how cashless payments are changing the landscape, the implications of a cashless economy, and how our industry can facilitate financial inclusion for everyone, even in a cash-free future. Read my full article here: https://bit.ly/44TxiqB
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Zack Miller
Colin Walsh, CEO and founder of neobank Varo Bank, has honed four core tenets that have shaped his leadership approach over 20 years of experience: 1. Consistent mission and vision alignment: Engaging all stakeholders in the company's growth strategy through clear communication and aligned incentives. 2. Financial discipline: Data-driven decisions, avoiding excessive cash burn, and charting a clear path to profitability. 3. Adaptability: Being open to adjusting strategies in the face of evolving technologies, regulations, and economic conditions. 4. Operational efficiency: Optimizing operations to maximize margins under the pressure to achieve profitability. Nothing like crazy markets and their impact on fintech investors, partners, employees, regulators and customers to test our mettle, no?! #Fintech #Leadership #CEOInsights"
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Festus Babatunde Adefemi
It's been over 10 months since we started SternPay Inc., and we are excited about the progress so far. While we are significantly behind our timeline due to limited resources, we've been fortunate to find cost-effective ways to propel our progress forward. I firmly believe in the adage "where there's a will, there's a way," and this mindset has influenced our dedication to our project. Additionally, witnessing the daily struggles our potential users face in meeting their exchange needs also fuels my determination to forge ahead. Every day, I see reasons to push harder. One thing is certain: whether or not we secure funding, we will launch and gratify the desires of the thousands awaiting our solution. We understand our audience. We comprehend their desires, and we are steadfast in our commitment to delivering on our promises. Selah. SternPay Inc. www.sternpay.io
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Kirk Lowe
Fintech enthusiasts and professionals, listen up! 🔊👀 If you want to stay ahead of the game or simply need to keep up with the latest fintech trends, you won't want to miss "The FinTech Impact Podcast" with Jason M. Pereira. 🎙️ Tune in to hear insightful discussions and gain in-depth knowledge on all things fintech. Don't miss out! #fintech #FintechStartup #PaymentTech #InsureTech #WealthTech #InvestTech
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Anil Hansjee
An important discussion that I see first hand in both my very deep tech focused investing industry in venture capital and as an ethnic minority. The anti-woke discussion MUST not derail critical corporate DEI initiatives but the lesson is we need to more than box tick. Fabric Ventures Money20/20
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Pascal Unger
As a founder, have you ever been curious about this whole angel investing thing? This week's findfunding.vc spotlight is on an investor who's an expert in it you simply have to know: Matt Wilson, MBA from Allied Venture Partners. He: 🇨🇦 Is Calgary based 😇 Manages one of Canada's largest angle investor syndicates (now at 1,800+ members!) 🏒 Worked as a professional ice hockey referee, which he says shares remarkable similarities with investing Amongst founders, Matt Wilson, is known for bringing empathy and perspective as a former founder himself. Aside from financial support, his goal is to be the 'right' investor - one that aligns with a founder's vision, shares his network, and provides strategic insights when asked. ✉️ Make sure to pitch him, invest, scout, advise and more at https://linktr.ee/alliedvc For more, check out our funder spotlight card below along with Allied Venture Partners' profile on findfunding.vc (link in comments).
244 Comments -
Baxter Lanius
The Consumer Financial Protection Bureau recently stipulated that BNPL providers are credit cards, enabling consumers to dispute charges and claim refunds directly to the BNPL provider. This is going to have serious ramifications for the infinite number of embedded BNPL providers. I don’t have statistics on disputes and refunds for BNPL vs. credit card, but credit cards are around 0.50%. BNPL providers will need to build out teams to manage disputes and refunds, which will further impact the margin profile of these companies. Lending is already a challenging game and this will further impact unit economics. 🤔
181 Comment -
Tony DeSanctis
Affirm another deposit disruptor? Affirm announced earnings a couple weeks back and I have just gotten a chance to look it over. #BNPL is not the only thing they are disrupting. Let's talk about. 💳 The Affirm Card has now reached 1MM total card holders 💳 $374MM in spend on the Affirm cards in the quarter 💳 Their cost of funds is hovering around 7.75% 💳 Total Revenue was up 51% largely driven by volume growth 💳 Revenue as a percent of Merchandise Volume was up 9.2% as a result of margin increases 💳Transactions per consumer for the quarter were up 25% to 4.6 💳30-Day DLQ was down QvQ and is below 2023 but warned of seasonal trend upward 💳 Annualized chargeoffs were ~3.9% compared to ~3.5% on JPMorgan Chase & Co. and Bank of America credit cards. 💳 Merchant Fee rates vary from ~2% to ~12% depending on the BNPL Offering. So What? The numbers here are pretty compelling. The losses are something that has to be monitored but for #banks and #creditunions the consideration here is two fold. First, multiple transactions per month are being completed with Affirm that would likely have been with your #creditcard or #debitcard. Second and perhaps more importantly is the 1MM Affirm card holders that can now use this card as their primary card potentially. My guess is Affirm is not ready to make the move yet. With their cost of funds over 7% you can see a world where they make a push to gather #deposits with the card to reduce their cost of funds. You saw SoFi do this a few years back with the purchase of small bank and saw their cost of funds drop something like 80% and that was in a low rate environment. I would be curious to see how much more volume and scale Affirm wants on their card product before they attempt the same move. What do you think? Will Affirm get into deposit banking? Alex Johnson Simon Taylor Jason Mikula Ron Shevlin Mary Wisniewski Sam Kilmer Brandi Gregory Lindsay Hooks Kevin Von Holten
294 Comments
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