Fintech Trends 2020-2030

Stay up to date with the latest Fintech Trends and Insights packaged into knowledgeable articles about everything related to data-driven business finance, global SME funding gap, lending technology and platform business models. We believe SME Business Finance will never be the same after 2020. Trends that were already set in motion have now accelerated. The internet – not Open Banking – creates new imperatives for new business models, and we believe systems of intelligence will be critical in unlocking the value creation for the future of business finance and the broader digital economy.
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Can Open Banking open up business lending?

Open Banking has been around for years, without much visible action from financial services companies. But now its time has come, particularly for business lending, says Rikard af Ekenstam The…
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Getting a grip on risk analysis

The UK’s financial regulators want trade finance providers to have a firm grip on risk management. Lending software is part of the solution, as Rob Harris, director of Loxbear Advisory,…
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A golden age for invoice finance

Why should invoice finance work as a product – and why are we entering a golden age? Conrad Ford, Chief Product Officer at Allica Bank, explains how it looks from…

The future of risk management in invoice finance

What can lenders do to ensure they have control of risk? We asked three experts, at a well-attended webinar in September 2021. Our expert panellists represented both new and established…

Six improvements to the business model for lenders

By Martin McCann Being a commercial lender has been tough for years. Lenders and their borrowers have faced recessions, globalisation, the 2007-8 financial crisis, regulatory changes and now the covid…
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Does bias affect lending to SMEs?

Why is it so hard for small and medium-sized enterprises to get business loans? SME lending represents a huge market for business finance. Around £5.4 trillion worth of missed opportunity.…

Strategic opportunities in corporate banking

By Rikard af Ekenstam, Trade Ledger Managing Director, Europe. Trade finance has had a bad press lately, with the high-profile collapse of Greensill, the supply-chain financing business. Even before that…
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Big Tech and the threat to banking

By Roger Vincent, Trade Ledger Managing Director, UK & Ireland It’s Big Tech, not fintech, that threatens banks. How the banks respond is an existential question. While tech giants have…
Australia the fintech innovation sandbox powered by data-driven lending

Australia: the Innovation Sandbox powered by Data-driven Lending

I’ve been living in Australia for almost 6 years and it’s been clear since the beginning that this market made a headstart in digitising finance. It’s also currently on a good path to realizing its promise on Open Banking.

How did it do it? And why does it matter?

I’ll dig into the details next, but let me start with this: observing the Aussie market reveals a powerful undercurrent pulling the future forward for fintech companies. It reveals how banks’ approach to data shapes the type of issues they’re solving – today’s or tomorrow’s – and the vastly different outlook each approach shapes.

Loan monitoring is a huge overhead. Here’s how to make it quicker and smarter.

SMEs’ lending needs have long been caught between a rock (corporate banking) and a hard place (independent non-bank lenders). It was never clearer than in lockdown that the current setup doesn’t work – neither for SMEs, nor for lenders.

From paper-based origination processes to manual work, through siloed customer information, the promise of customer-centric lending faces many breaking points that neither party can afford.

We know why SME business finance will never be the same after 2020, but what the lockdown painfully emphasized has a solution that’s both attainable and practical.

Culture as a Competitive Advantage

by Laura Smith, Head of HR and Community at Trade Ledger™ Thousands of start-ups fail each year. Why? Because they don’t have right team and culture in place.   In…

Creating a System of Networked Intelligence for Lending

by Martin McCann, CEO and Co-founder at Trade Ledger™ Systems of intelligence create the opportunity to capitalize on logarithmic increases in business data to deliver new services that are exactly…

Credit Decisioning using Open Data

by Roger Vincent, Chief Innovation Officer, Trade Ledger™ Thinking back 15 years, how many ‘Chief Innovation Officers’ do you think there were in the financial services sector? The answer, outside…

Robots vs Relationship Manager?

by Roger Vincent, Chief Innovation Officer, Trade Ledger™ Corporate customer onboarding has always been a challenge for any bank or lender. The complexities of navigating burdensome regulatory requirements alongside data…

The peril and promise of Open Banking

by Martin McCann, CEO of Trade Ledger™ Open Banking has the potential to revolutionise the Australian financial landscape – which is to say, the Australian economy as a whole. By…

Making Corporate Banking Simple

by Martin McCann, CEO of Trade Ledger™ Small businesses “simply want working capital. They want to know how much, how soon and what it will cost,” says Martin McCann, CEO…

Will Tech eat Global Trade Finance?

by Martin McCann, CEO and Co-founder at Trade Ledger™ When I tell people what we are doing, I get asked, so you’re a P2P business lender? No. OK, so you’re…
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