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…
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.
How banks can survive the creative destruction of the finance industry
By Martin McCann Introduction Creative destruction is the essence of our economic system. Changes, both inside and outside an industry, continuously revolutionise the industry, destroying the old and creating the…
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…
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…
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…
How lenders and brokers can best respond to the end of government pandemic loans
During 2020 and 2021, many governments provided financial support to businesses, including loans, to help them through the Covid pandemic. When these loan schemes come to an end, there will…
Augmented, not Artificial Intelligence: How lending tech makes underwriters’ jobs easier, not obsolete
by Jane McNamara, Product Manager Should risk professionals in the lending industry fear AI? In this article I look at whether the threat is real, the potential for better…
Beyond the Myth: an honest look at startup life
by Laura Smith, Head of HR at Trade Ledger® For people who are driven, ambitious, and perhaps a bit idealistic, working at a startup is the holy grail. You get…
How Embedded Finance Actually Works
Explore the true nature of embedded finance and how to capitalize on this shift.
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.
The Data Revolution coming to Business Finance (and why I joined Trade Ledger™)
by Paul Carmichael, Head of Sales APAC at Trade Ledger™ Imagine starting a new job. A job that requires talking to everyone on the team and deeply immersing yourself in…
The Future has been Pulled Forward
Trade Ledger CEO describing the five ways business lending will be transformed post-pandemic.
Why SME Business Finance will never be the same after 2020
by Bakhtier Pulatov, Head of Product at Trade Ledger™ While armies of politicians, policymakers and academics were debating how big the SME funding gap is, why it is so persistent…
Delivering Customer Success in times of Rapid Change
by Emily Rowntree, Head of Customer Delivery & Strategic Accounts at Trade Ledger™ Our agile delivery approach is built for, and excels in, an environment of flux A dependable partner…
Community and Culture Go Together Like a Horse and Carriage
by Laura Smith, Head of HR and Community at Trade Ledger™ Why you can’t have one as a competitive advantage without the other According to research from the analytics…
Globalisation Isn’t Dead, It’s Set To Flourish
Discover how changes to information flows are transforming the financial landscape.
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…
The Internet, not Open Banking, is Revolutionising Finance
Read about the changing dynamics of global trade and the role of finance in this transition.
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…
Trade Ledger™ & Finextra Webinar – From Open Banking to Open Finance
Join Finextra, Trade ledger™ and industry experts for our latest webinar as we discuss what kind of infrastructure and ecosystem could form the backbone of a new Open Banking corporate…
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…
Lending-as-a-Service (LaaS) – Next generation Marketplace Loans
by Roger Vincent, Chief Innovation Officer, Trade Ledger™ What is a LaaS? LaaS, sometimes referred to as the “Marketplace Lending” is an emerging trend in the banking and financial services…
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…
US Treasury FinTech Report: A major shake-up or Open Banking FOMO?
by Martin McCann, CEO of Trade Ledger™ The United States is the global leader in financial services and innovation, and the Administration’s policies are designed to maintain and enhance America’s…
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…
Make ISO27001 Security Certification Work In Your Favour
by Matt Born, CTO and Co-founder at Trade Ledger™ With only three weeks until we flip our calendars to 2018, many of you probably have started year-end business reviews, and…