P2P

Fintech

Fintech and (unregulated) Shadow Banking 2.0

While collaboration is the near-term future of Fintech, should Fintechs be erring on the side of caution? Let’s take a trip down memory lane. Unlike other industries, banking as we know it has always been underpinned by a unique regulatory framework. . Post 2008, the “carrot” has come in the form of increased liquidity and solvency guarantees to banks. The… Read more →

P2P, Banking, Disintermediation

P2P and the Banking Disintermediation

Developments in information technology are fundamentally changing the banking industry, with an exponential shift in consumer uptake of new business models set to take hold. Information technology is reducing the search cost, so that supply and demand can meet directly and independently of their physical distance on the Internet platform. Business models whose value creation is based entirely or partially… Read more →