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April 24, 2017
On April 26th and 27th, Finovate returns to San Jose with FinovateSpring, the flagship two-day showcase of the latest and greatest fintech innovations from leading established companies and bleeding-edge startups. Once again, 61 companies will be demonstrating their newest solutions live on stage in just seven minutes. Networking sessions follow the demos each day, giving the attendees a...
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March 14, 2017
People have engaged in person-to-person (P2P) payments for centuries–beginning with the barter system, through the invention of money and checks, and in the digital age, in which funds can be exchanged electronically via online and mobile applications. The size of the U.S. P2P payments market is driving intense competition between financial institutions (FIs) and alternative P2P...
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March 6, 2017
Despite the outlook on blockchain adoption for financial services starting to move from excitement to criticism, trade facilitation business processes represent a stronghold for blockchain-based programs, as long as basic change management principles hold true. There is a mounting debate about the limits of blockchain in the world of financial services. Financial consortia R3 and Swift declare...
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March 6, 2017
R3’s recent announcements warn banks to carefully watch blockchain as long as the technology remains immature. This comes at a time when blockchain-based initiatives see financial institutions taking the driver’s seat. The path to blockchain maturity demands the guiding role of bank industry independent associations, exactly what R3 is. This article takes the perspective of corporate banks. R3...
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February 27, 2017
On February 23, 2017, the European Banking Authority (EBA) published its final report on the draft regulatory technical standards (RTS) on strong customer authentication (SCA) and common and secure communication. The EBA was tasked to develop the RTS under Article 98 of EU Directive 2015/2366 (PSD2). This final report was awaited with anxiety by the market. The consultation document published...
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February 22, 2017
Blockchain technology (aka chaintech) applied to capital markets has been lauded as the next big thing in database management and ridiculed as vaporware, depending on who one asks. The “in operation” test, meaning real actors and real assets transacting on a blockchain, is a decade away according to the skeptics. But news out yesterday by Northern Trust and IBM suggests that this far, far...
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Javier Paz
February 22, 2017
With the departure of Forex Capital Markets (FXCM) from the U.S., leadership change, etc., financial reporters far and wide are asking for perspective on these events. Some go as far as probing whether this is the end for the U.S. retail foreign exchange (FX) industry—to which I say, no, it isn’t the death of retail FX in the U.S. since there are still three authorized brokers (Gain Capital,...
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Javier Paz
February 21, 2017
This year’s "FinovateEurope" took place in London on February 7 and 8, 2017, attracting more than 1,500 visitors. Following the tested concept, fintech companies had the opportunity to present their ideas to the audience in a seven-minute pitch. Despite—or perhaps thanks to—the limited time available, most presentations came out crisp and clear. Less is more. Who was expecting young geeks...
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February 21, 2017
Although banks may appear slow to react and less agile than emerging fintech companies, banks remain their corporate clients’ main point of reference for technology innovation and inclusion. Even many leading corporations don’t want to be the pioneers in something that is not part of their core business and keep a wait-and-see attitude toward fintech innovation, expecting advice from their banks...
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January 12, 2017
When people ask me what I do, the response I typically get is, “Wow, but life insurance is a pretty boring industry!” While it has always excited me, my friends just don’t get it. So why is this industry so darn exciting to me? This is an industry full of change—especially over the 20 years I have been involved in it. Consumers have changed, getting both older and younger at the same time. The...
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Samantha Chow

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