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Tiny bank, huge ROE: WebBank’s Fintech hidden recipe
By Efi Pylarinou “A US FDIC-insured industrial bank with a 59% ROE and a very low risk classification” (Source of ROE & Financial health measure) Banking ROE averages are around 8% (BOfA around 7%...
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Swiss Vollgeld initiative could end Fractional Reserve Banking
It was an odd Xmas present to the global banking industry. On 29 December headlines were announcing that: “Switzerland to vote on banning banks from creating money” The Swiss referendum would strip...
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Who is afraid of P2P securitization?
By Efi Pylarinou In my last research note I discussed the role of WebBank in the triangle of Lending marketplaces in the US. The function of this regulated entity is clear and brings to the forefront...
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Structured products & Securitization moving online
By Efi Pylarinou “Structured finance isn’t dinner table conversation for most people — and the terminology, market dynamics and ecosystem can be imposing” Hyung Kim,...
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Regulatory & market pressure forcing transparency on equities research
This is Part 1 of a 2 Part Research Note, which describes how regulation and market pressure is forcing transparency on equities research and how that is leading to cost pressures on the research...
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XBRL creates a new equities research value chain & democratizes the stock market
This is Part 2 of a 2 Part Research Note, where we look at how XBRL could enable a new equities research value chain. In Part 1, on Wednesday, our Research Note described how regulation and market...
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Regtech for EMIR reporting: Capptivate
By Efi Pylarinou Do you have a compliant to share about being compliant? Regulatory compliance is complex, moving, and cross cutting (more in “Eight reasons Bankers and Fitnech startups are “up at...
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Fintech and the macroeconomic cycle
We are nearing the end of this macro cycle. The next bear market is inevitable even if not imminent; we cannot know the timing but we know it is coming (it may have started already). What...
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The unstoppable RoboAdvisor trend: Leapfrogging the independents
By Efi Pylarinou The Financial news focus in January was animated, colorful, and with 10 articles on Robo-Advisory. As markets are in turmoil and portfolios are bleeding, most of us are questioning the...
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The other unstoppable Robo-Advisor trend: from Fees to Trust
By Efi Pylarinou The message has come across, loud and clear, in the investment world: “ Fees are eating up your returns” And even wealthy investors are reported to be migrating towards digitally...
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Dazzling Fintech actionable Investment advice needing a bridge
Feeling nauseous this year from the financial markets? Have the symptoms persisted more than a week and more than just during business hours? Maybe its time to consider, taking your portfolio for a...
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6 Fintech Stocks That Outperformed during market downturn
In this Research Note we look at the Daily Fintech Index to see which publicly traded Fintech stocks held up best after the hammering that stocks took recently and look at 6 that outperformed in...
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Cherry picking investment managers: a nascent Fintech area
In this research note, I share elements of the complexity of the asset manager selection process and look into whether Fintechs have developed tools to improve this process. Last September marked the...
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Real Time Equities Settlement – three Blockchain projects at exchanges
Real Time Equities Settlement will change the global capital markets beyond recognition, impacting every player in the ecosystem. For long a technological pipedream, Real Time Equities Settlement is...
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Digital Wealth management: a videographic update
This year can be characterized as the year that whispers about trends in “Digital Wealth management” have become loud echoes, everywhere. Daily Fintech has been echoing (details in “Digital wealth...
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Cracking silos between insurers and asset managers: a Fintech solution
Financial institutions are fenced within a regulatory terroir. Europe is a multi-lingual continent with less than half a dozen currencies and more than two dozen legal & economic jurisdictions....
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AI in Digital Wealth mgt: Sniffing out investment opportunities
Economist Andrew McAfee concludes in his TedTalk “What will future jobs look like?” (already 3yrs old) that “The new ‘algorithm enabling’ technology is here today, and banks could use it to...
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AI in Digital Wealth mgt: Algorithms
Are we looking for an algorithm that “If we all die, it would keep trading”? Should we be worried that electronic trading is mushrooming like airplane traffic, while we are not paying that much...
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