Alternative Finance: A New Reg-Generation For A New Disruptive Phenomenon

For a new marketplace

Bank lending is the most common source of external finance for several actors that are reliant on traditional debt to fulfill their cash flow and investment needs.

While it is commonly used by mid and large cap companies, SMEs, in particular newer, innovative and fast growing companies, with their higher risk-return profile, pose some challenges to traditional bank finance.

In an effort to circumvent the challenges of conventional financing, alternative financing schemes have arised to mobilize private investments.

Hence, crowdfunding has become an alternative source of funding across many sectors, and it is increasingly used to support a wide range of for-profit activities and businesses.

If peer-to-peer lending is attractive for small businesses that lack collateral or a credit history to access traditional bank lending, crowdfunding platforms are evolving into more sophisticated intermediaries.

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Discover the Innovative Technology Behind RegTech Leaders

Banks are facing tough times. In an ever-changing digital world, they need to reinvent themselves to respond to customer expectations and rebuild trust in markets. As they are struggling with new regulations, the situation forces them to rethink their strategy.

Note: Initially published on Fintech Circle in July 2017. Contribution made as abstract for upcoming RegTech Book for which we will be contributor.

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Rockchain and Future Direction of Finance

Let’s start with good news: Finance is getting on the move. Most actors, aware of the upcoming challenges, have started their transformation to face the ongoing digitalization of the sector or to endure the regulatory pressure. They have launched major programs to embrace agility, data citizenship and customer centricity while setting up new data architecture that will break organizational silos and support continuous improvement.

Now comes the bad news, those are just baby steps. Opening your business through APIs or developing the next platform-based market won’t make you a digital champion.

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[FR] Innovation en Finance : bonnes résolutions pour bien débuter 2017

Transformation Digitale, Labs, Sandbox, l’innovation est devenue à la mode dans de nombreux secteurs, et la finance n’échappe pas au phénomène.

L’envie est forte de renouer avec la croissance en s’inspirant des géants du web, les fameux « GAFA » : Google, Amazon, Facebook, Apple. Leurs technologies (application mobile, Big Data Analytics, Machine Learning) et leurs business model (monétisation de la donnée, plateforme, « As-a-Service ») commencent à être connus et maîtrisés.

Longtemps protégée par une réglementation contraignante, la banque attire de nouveaux entrants convaincus de leur capacité à bouleverser le secteur grâce à la technologie. Nouvelles rivalités ? Peut-être, mais le plus souvent les Fintechs se positionnent comme des partenaires créatifs, complétant des titulaires parfois en manque de connaissance d’un domaine en pleine mutation.

Alors pourquoi tant de projets d’innovations bancaires ont du mal à décoller ?

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On-demand real-time trading analytics with Hadoop and HBase

Note: This article is a transcript of a presentation than has been made during London STAC Summit in May 2015. It gives the vision we had at that time of the potential impact of Big Data in Capital Market. Our focus on R&D is to identify the innovative technology that competitive advantage for Financial actors.

Today’s FO Operational Challenge

For years, banks have heavily invested in technology in order to follow the acceleration of Capital Market: exponential development of products, increase of volume, latency, diversity of sources.

In order to stay competitive, banks must now introduce new services based on a global view of the markets by federating all structured and unstructured dataset.

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