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.

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.

The Broken Promise of Auditing Customers Remotely

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.

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