FinTech

FinTechOpen Finance

The next FinTech: Global “Open Finance” Infrastructure

“Open Finance “ — open-source financial services infrastructure built on public blockchains — may be the next major digitization narrative after Fintech. Driven by the transformation of analog liquidity (deposits in a bank account) to digital liquidity (tokens in digital wallets), the playing field can be leveled for offering financial services. As a result, new profit motives are introduced encouraging innovations not previously feasible.   Technology disrupting finance is a narrative that’s existed for a long time. The dream has always been for tech to digitize financial services, increase competition/access, reduce concentration risks, and…

FinTech

Digital assets: A non-sovereign asset for investment managers?

Investment managers may benefit from studying digital assets. This begins by understanding the difference between Crypto-currencies vs Crypto-assets, the role of the supply-side in setting the risk profiles for these assets, and how all these things combined introduces the concept of non-sovereign assets. At their core, investment managers perform the important function of matching savings with investment opportunities. They either employ strategies to invest client cash into market tracking products (passive, index/ETFs) or into products which try to outperform (active, alpha-generating). For most managers, the past 10 years since the…