Who Is Afraid of P2P Securitization?
In my last research note I discussed the role of WebBank in the triangle of Lending marketplaces in the US....
Archive
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...
What’s the point of InsurTech (and what are the incumbents doing about it)?
Earlier this week, a packed house attended a TechUK meeting in central London under the heading “Insurance Disruption”. The stage...
Why Proof of Stake Matters for Blockchain
Bitcoin transactions are verified by “miners” using Proof of Work. This research note tells you what the problems are with...
OpenBazaar May Drive Mainstream Adoption of Bitcoin
2015 was the year when the pundits declared that Bitcoin is bad and Blockchain is good. One B word was top...
Paris, Toujours Paris
Passent les jours et passent les semaines Ni temps passé Ni les amours reviennent Sous le pont Mirabeau coule la...
Tiny bank, huge ROE: WebBank’s Fintech hidden recipe
“A US FDIC-insured industrial bank with a 59% ROE and a very low risk classification” (Source of ROE & Financial health...
If Warren Buffet Was a Digital Native, What Would He Invest In?
Investing used to mean buying shares in a company where you knew and liked the product, with an expectation of a...
What does the future hold for blockchain and insurance?
Blockchain, Blockchain, Blockchain! What does it all mean for Insurance? No one knows yet, but that doesn’t stop blockchain being...
Public Markets Are Not Buying the Payment Disruption Story
Snapshot of prices dated Jan 8. New cut off at $1bn market cap (as $2bn is hurdle to escape small...
