From Paddy’s desk:

The fintech innovations coming from startups, incumbents, and big-tech in the past decade, have clearly changed how consumers and businesses manage their finances in a remarkable way. However, most of these first-generation fintech innovations have been on optimizing customer journey including segment-specific propositions, digital and outside-in capabilities, and reduction of the overall cost to serve. Aside from some exceptions, there have been few innovations or changes in the foundational infrastructure in financial services - the custody of currency and securities, the pipes for payments, the role of central banks/feds in clearing and settlement. That is changing now, driven by a multitude of factors - technological developments like distributed ledgers and the role it can play in the custody of currencies and new pipes for payments; incidents like the Robinhood/GameStop/Reddit in January, rekindling discussion on why t+2 settlement times for equity trading and also equitable access for big and small players, and increasing need for privacy and consent.

iValley and FINTECHTALK™ are making this a focus area in 2021 starting today with a transcript of Q&A with Nick Thomas, Co-Founder Finicity (a Mastercard company), Financial Data Exchange, and Trust Over IP Foundation included in this edition of eFINTECHTALK followed by a live Clubhouse session in the evening at 6 pm PST with Nick and other industry greats: Ron Shevlin (author of the Fintech Snark Tank on Forbes), Amar Singh Rathor (Director of Technology Investment Banking at Scotiabank), Sean Bill (one of the most prolific fintech angels and Chief Investment Officer), Manash Bhattacharjee (Head of Product at Pepsico), Steven Ramirez (Fintech futurist and CEO of BeyondtheArc), and Walt Cox (Payment strategy at Moov.io). Please check out their recent articles and their company websites some of which are included below.

Follow me on Clubhouse @PaddyRamanathan and join us for this no-holds-barred discussion today.

Best Regards,

Paddy Ramanathan

Founder and Managing Director of iValley Innovation Center and
the host of FINTECHTALK™, the intersection of silicon valley and financial services.

Follow me on Clubhouse @PaddyRamanathan

Fintech Infrastructure Series: Clubhouse Session

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How Financial Data Analytics and Advancing Technology Drive Credit Decisioning

A Q&A with Nick Thomas, Co-Founder Finicity, Financial Data Exchange, and Trust Over IP Foundation

Technology and financial data analytics have played a key role in changing and improving financial processes for financial institutions, small businesses and consumers. One area in which this data-driven innovation is even improving and reimagining the credit-decisioning and lending processes, through a … Read on.

Top 5 Banking And Fintech Trends For 2021

Ron Shevlin
Director of Research at Cornerstone Advisors,
Senior Contributor at Forbes, Fintech Snark Tank

I’ve never been a big fan of “Year of the [fill-in-the-blank]” proclamations. Google the term “year of the customer” and you’ll find that every year for the past 15 years has been heralded as the year of the customer. Hey, one year it might just.. Read on.

2021 Predictions: The Road Ahead for Customer Experience

Steven Ramirez
CEO, Beyond the Arc

The roller coaster ride of 2020 dramatically changed how we think about engaging and connecting. Businesses have had to rapidly adapt with new models, employees have adjusted to new ways of working and collaborating, and consumers have become more deeply entrenched in all things digital. … Read on.

Bitcoin & Portfolio Theory

Sean Bill
Chief Investment Officer, VTA
Angel Investor, Advisor

On July 9, 2019 I invited Mark Yusko of Morgan Creek to present to my Pension Board on the potential benefits of adding a small exposure of bitcoin to our portfolios. The correlation to other asset classes was low and the sharp ratio was high. My thoughts were that a small exposure to bitcoin, 0.50% - 3.0% of the portfolio, would … Read on.

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