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Article & Blog, GAME OF FINTECH

Are Cryptocurrencies a bank´s business? Oh Yes! 

The recent open letter published by the OCC is nothing less than a door opener for Banks into the world of cryptoassets/-currencies. Now any national bank can hold onto the unique cryptographic keys for a cryptocurrency wallet, clearing the way for national banks to hold digital assets for their clients. With this regulatory gap now closed and banks as intermediaries trusted by investors being able to move into the cryptosphere, a massive inflow of investment into this market is likely to be expected. However, given this banking revolution, banks now need a new type of infrastructure. They must be able to hold, store, or transmit cryptographic assets that are being kept, managed, and secured for others. And this is where Fintechs come into play! FinTechs, like the silicon-valley based Vesto descirbed in the article, have moved beyond just offering custodial services to supporting a complete end-to-end crypto banking-as-a-service platform.

Article & Blog, GAME OF FINTECH

Quantum Computing- A Pathway to Exponential Fintech Adoption? 

By deploying quantum at a larger scale within the fintech ecosystem it is foreseeable that quantum technology can become a major catalyst for adoption of fintech solutions globally.Fintech lies at the crossroads of exponential technologies and has been identified by the World Economic Forum and the World Bank as one of the major drivers of economic recovery. The WEF Global Future Council on Quantum Computing has recently laid out the future trends and highlighted how this new technology can transform multiple industries. The global impact on economic growth can be optimized by optimizing digital and financial inclusion, as well as fostering the development of an exponential economy where cross- and inter-disciplinary silos are overcome.

Article & Blog

The Path Towards Creating A Sustainable Global Fintech Ecosystem 

The Global Fintech Ecosystem of the future will hopefully be characterized by an increased financial diversity, financial inclusion, optimized digital fluency, enhanced socially responsible capital deployment, robust digital ethics programs and a human centric design. Only by investing in disruptive innovation and digital transformation, can the Global Fintech Ecosystem remain a key driver of the global economy. It is essential to collaborate with all other key players to further harmonize laws, regulatory guidelines or policies in order to facilitate a large scale adoption of state of the art financial technologies and financial instruments.

Article & Blog

Design Thinking In Fintech 

Fintech is one of the industries that has the potential to be a leader in forging the path to success in the post-pandemic era, as it had already embraced digitization and virtualization at a higher degree than other industries.  Certainly, there are numerous hurdles to overcome and pitfalls to avoid, however with a state of the art strategic plan and a design thinking approach it would be possible. Certainly, design thinking is only one option in the portfolio available to business leaders. However. due to the emphasis on user experience and outcomes defined by stakeholders, its ability to empower diverse teams within a complex fintech ecosystem and a process that encompasses an ongoing innovative loop it is this author’s opinion that design thinking should be considered as a methodology of choice during this crisis and beyond.