Discover and read the best of Twitter Threads about #Fintech

Most recents (24)

McKinsey ha da poco pubblicato la terza indagine annuale sul "Global Consumer Sentiment".

Da sapere: i clienti stanno sempre di più "migrando" online e ci sono molte opportunità di #business da poter sfruttare.

Un thread 🧵👇 Image

- I business online in Europa e US dovrebbero focalizzarsi nell'offrire beni e servizi alla popolazione più giovane (25-35 anni)

- Quando pensi a un #business online pensalo mobile. Lo smartphone è sempre più preferito a PC e laptop. Image
Le industries che hanno avuto un'adozione del digitale maggiore, sono concentrate in 5 settori:

1. Assicurazioni
2. Banking
3. Telecomunicazioni
4. Entertainment
5. Utilities Image
Read 9 tweets
1/5 As part of its efforts to protect the environment, restore biodiversity, and support local ecosystems, @earthbanc planted 10,000 trees at a selected location in western Germany.

#climatenews #climateaction #netzero #carbonmarkets #fintech #climate #reforestation #COP27 Image
2/5 The tree planting for ERGO Group AG was developed in partnership with, which has a user base of over 420,000 and growing.
3/5 A tree planting program has a multi-fold impact on the environment, which reduces the effects of climate change, sequesters carbon dioxide, provides biodiversity benefits, reduces soil erosion and improves water quality runoff.
Read 5 tweets
BREAKING: #BNNMorocco Reports.

As part of the two institutions' relationship, a workshop on central bank cyber resilience was held on November 28 and 29, 2022, in Rabat, Morocco, by Bank Al-Maghrib @BankAlMaghrib (BAM) and the Bank of England @bankofengland (BoE).
Approximately 30 senior executives from around 20 Central Banks in Africa and the Middle East attended this regional conference to share their cybersecurity experiences and perspectives.

The main focus of the discussions was on the implementation of the cybersecurity plan,
...cyber-protection, cyber-governance, and cyber-resilience.

The discussions also touched on the use of cybersecurity in information system management, macroprudential supervision, and the oversight of financial market infrastructures.
Read 5 tweets
These articles about the negative role fintech played in the PPP cannot go unchallenged. I have some very strong feelings on this topic that I will share in this thread.…
I am both a supporter of #fintech and the recipient of two PPP loans that saved our business.
The days in early April 2020 are burned into my memory as we witnessed the world falling apart with millions of people were losing their jobs every week. As a small business owner, we needed capital and we needed it FAST.
Read 14 tweets
.#IMPORTNATE: ¡Amigos/as! ¡Bomba de noticia hoy!

Hoy @mercadopago la #Fintech más grande de #AmericaLatina publicó un ENORME research sobre #InclusionFinanciera que tuve el privilegio de coordinar.

Abro hilo de hallazgos e implicancias!🧵
1/ El proyecto fue armar un Monitor de Inclusión Financiera, el cuál consta de una herramienta INÉDITA que permitirá medir el avance de la inclusión financiera de #MercadoPago en sus usuarios/as.

En esta primera edición, en Argentina, Brazil y México.

Desarrollo a continuación
2/ Pero antes ¿Por qué y para qué hacer esto?

Bueno, ya me escucharon varias veces señalar que la #InclusionFinanciera es multidimensional y también que usualmente la "vara" de análisis es baja, pues se menciona colocación de productos por sobre todo.
Read 31 tweets
[1/18] #CryptoMeansBusiness—Die neue Marketing Kampagne von @Ripple—die anschaulich aufbereitet, aber von den wenigsten Leuten in Gänze verstanden wurde

Lass uns hinter den Vorhang schauen & die Kampagne mit diesem 🧵 etwas genauer unter die Lupe nehmen! 👀

#XRPArmy #XRP 👇 Source:
[2/18] Mit dem Hashtag #CryptoMeansBusiness möchte #Ripple auf die sich scheinbar fortbewegende, aber tatsächlich stagnierende Finanzwelt aufmerksam machen (Status Quo)

Als Metapher gedeutet, soll sich jeder angesprochen fühlen, aus dem Kreislauf auszubrechen.
[3/18] Um diese Kampagne auf die Beine zu stellen hat #Ripple mit @irisworldwide—einer "Global Creative" Firma und Agenturfirma von @Cheil_Worldwide, sowie @mckinney zusammen gearbeitet, um die Kampagne nach NYC, London, Dubai, Singapur und São Paulo zu bringen. Source:
Read 21 tweets
Crypto Has A Bad Name Because:

1. 99% of #DLT Tokens Are Scams W/ No Utility🚨
2. 79% of Crypto Influencers Are💰Motivated & Invest On Hype
3. Mainstream Media Says It's💩

This Should NOT Distract You From The Technology Transformation Currently Taking Place.
-A 🧵 of Threads-
I hope you can set some time aside to research!

I donated 5 hours to create this🧵to help others see topics around new era technology. 🧠

As I am tired of Mainstream Media covering up important things around the future of our global monetary system.
1. Research Technology & DLT Projects With Real🌎Utility
Not Up Hyped Meme Coins ⛓

The content I cover is:
• CBDC's
• Crypto
• IoT + IoV
• Big Data
• Payments
• Innovation
• Paperless Trade
• DLT Interoperability
• Payment infrastructure
• Industry 4.0 Technology
Read 38 tweets
.#IMPORTANTE: El Banco Central de la República Argentina publicó último informe sobre #InclusionFinanciera al segundo semestre 2022.

La foto más actual de dónde estamos en #Argentina y el informe más robusto.

Comparto algunos insights en este hilo🧵

En #Argentina NO HAY problema de Acceso al sistema financiero. La tenencia de cuentas se acercó casi a la cobertura total de la población adulta.

Con +1.3M de personas sumadas en 2022, ya el 98,5% de los adultos del país tienen cuenta bancaria o #fintech.

Si bien hay sólo 1.2M de adultos que tiene ÚNICAMENTE una cuenta #Fintech (con CVU), aquellos con cuentas conjuntas (CBU y CVU) ya son casi la mitad.

Me parece alucinante este dato.
Read 12 tweets
.#IMPORTANTE: Mercado Pago publica informe sobre Digitalización e las PyMES en #Argentina

La #Fintech con mayor alcance del país abre datos sobre cómo ha ayudado a digitalizar al sector que genera +70% del empleo del país.

Abro hilo!🧵
1/ Primero que nada, la metodología. La definición de PyME en este informe aquí pueden encontrarla.
2/ Dicho eso, el impacto!

Ccada vez más PyMES eligen cobrar digitalmente con Tarjetas, Código QR, Cobros Online o incluso Ventas en el Marketplace de #MercadoLibre.

Al 2022 son más de 100.000 las activas en el universo MP de Argentina, habiendo crecido un 81%
Read 12 tweets
[1/16] Noch ungefähr ~16 Stunden bis das #XRPL #Amendment "NonFungibleTokensV1_1" (XLS-20) aktiviert wird und somit L-1-native #NFTs auf dem öffentlichen #XRPL das Licht der Welt erblicken.

Ein Überblick über alles, was für die #XRPCommunity jetzt wichtig ist.

Ein Thread 🧵👇 XRPL Amendments registry - vote ETA for "NonFungibleTok
[2/16] Jedes Asset, außer #XRP selbst, kann auf dem #XRPL als Token aus-/dargestellt und gehandelt werden. Zu den "austauschbaren"/"fungiblen" Tokens gehören:

• Stablecoins
• Gemeinschaftskredite
• [I]nitial [C]oin [O]fferings
• Utility Tokens
• Eigenkapital-Tokens
• usw..
[3/16] Im Gegensatz zu den fungiblen Tokens, können [N]on [F]ungible [T]okens nicht durch andere Tokens ersetzt werden. Sie sind demnach nicht einfach nur einzigartig und daher meist sehr wertvoll, sondern auch in ihrer Eigenschaft auf dem #XRPL als #NFToken Objekt unteilbar. NFT pictures
Read 17 tweets
#VLRM look to get final confirmation of the #GSX deal, morphing from basically a Spac into one of the world's first fully regulated exchanges crossing the digital divide, between #fiat & #crypto!
So for under 12 Million MCAP what's currently not priced in & what can we expect...
🔥The #GSX is a regulated exchange market (Tier 1 exchange) which also holds an Multi-Lateral Trading Facility ("MTF") licence for the listing of specific forms of security under MiFID.
#markets #StocksToBuy #stockstoinvest #Aquis #aim
🔥#Juno - 3 areas of licensed operations cover the formation & management of trusts & similar entities, the administration of funds, a broad range of activities, like fiat & crypto currencies & the formation & management of companies in #Gibraltar / jurisdictions worldwide.
Read 16 tweets
#Thread 🧵| UPI 2.0

RBI is set to launch new features for UPI 2.0.

UPI is set to give stiff competition to VISA and MasterCard monopoly as UPI goes international.

First let’s know about the countries Adopted UPI for digital payments.

[1/9] Image
🔘#Liquidgroup signed an agreement with NIPL in Sept 2021.

They will provide UPI based QR code payment system in Singapore, Malaysia, Thailand, the Philippines, Vietnam, Cambodia, Hong Kong, Taiwan, South Korea, and Japan by 2022 Q1.


Similarly Arab Monetary Fund signed an agreement with #NIPL to connect UPI with Buna payment platform in March 8, 2022 .
Read 10 tweets
In this week’s #InMarketing briefing, on the eve of #Sibos, I consider @swiftcommunity’s brand evolution and conclude that the first rule of rebranding should be ‘do no harm’.

Have a productive week.

Read here >…

#IMTW #Marketing
I also flag the cooperative's new #CBDC testing, @quant_network's guide to #Sibos, and Kim Kardashian's little contretemps with the @SECGov. The last word goes to @JanineJoyHirt of @InnFin on the need to support #fintech founders.

Read >…

#IMTW #Marketing
This week, you’ll learn why:

① The digital and social age has forced brands to evolve.

② Your brand’s appearance should be revered.

③ The hurdles to #CBDC adoption by traditional finance are not technical.

Read >…

#IMTW #Marketing
Read 5 tweets
.#IMPORTANTE: El Banco Central publica nuevo informe mensual de Pagos Minoristas a agosto 2022.

Terribles datos muestran la transformación del sistema financiero, el auge de las CVU (#Fintech), el crecimiento de Transferencias 3.0 y al boom del Código #QR .

Abro 🧵 Image
1/ Primero lo primero: las transferencias inmediatas.

-Se efectuaron 145,6 millones de transferencias inmediatas crecen 105,6% cantidades y del 29,7% en montos. (fueron 145M por $3,5 billones)

-El 52,3 % del total tuvo como origen y/o destino una CVU (#fintech) ImageImageImage
2/ Aquí por supuesto que los pagos con Transferencias 3.0 son la métrica a seguir.

Una locura ver cómo los Pagos con Transferencias superaron a los pagos con tarjeta de crédito desde marzo (en cantidades, en monto todo sube). ImageImage
Read 8 tweets
1/4 $PYPL Venmo

- doing almost $0.25 trillion of TPV
- close to 90 million active accounts of (55 million active monthly accounts)
- driving over $100 million of revenue every month
Dan Schulman, CEO

➡️ A run rate revenue of $1.2B, i.e. 33% higher that 2021 revenue c$900M
- creating teen accounts -> addressable market for Venmo by some 20 million or 30 million incremental people.
- looking at international expansion there
Dan Schulman, CEO

➡️ International expansion could be huge. Any incremental increase in TAM (teen accounts) is a bonus
“then obviously, we've got Pay with Venmo, Amazon. Amazon is 30% of U.S. e-commerce-ish, think about the number of merchants that we would have to sign up here in the U.S. to get that same scale for Pay with Venmo, it would be multiple, multiple millions.” Dan Schulman, CEO
Read 4 tweets
1/ Thread on our investment thesis in "in-store credit" market. We like to call it "Offline checkout".

In 1-line, transfer of workflow control in-store from merchant to consumer will unlock the in-store credit market in India.

#offline #checkout #thesis #fintech @Stellaris
2/ To begin with, let's understand the market top-down.

Annual consumer spends on offline merchants are over $1T, of which only a sliver is bought on credit.

Consumer durables and mobiles is the only category where over 25% spends are on credit. Rest categories are all small.
3/ If we talk about the unsecured consumer lending market, lending book stood at $73B pre COVID (to be precise Jan '19).

Of this, $54B was Personal loans, $13B was Credit card and only $6B was Consumer loans (In-store).
Read 24 tweets
Came across an interesting document from the
Financial Stability Board in 2019

Pay attention to the FSB if you are involved with crypto as they are an important Standard Setting Body (SSB)

-Thread on the slides-
#Crypto #DLT #Fintech #FSB #Innovation #Banking #Regulations #XRP ImageImage
1. 1st picture they were working on creating Stablecoin regulation in 2020 and monitoring crypto assets.

• 2nd picture is from my video showing the G7 supports the work of the FSB and other SSBs ‼️

#G7 Video on #Digitalization, #CBDCs & Crypto Reg.
2. Crypto Assets, Stablecoins and CBDC's

#Crypto #Blockchain #Fintech #regtech #FSB #DLT Image
Read 16 tweets
Tesla Insurance has been on the market for 3 years, here are 10 things to know about this #InsurTech-like initiative🧵
It was launched in August 2019 and available only in California
The initial target was to provide "Tesla owners with up to 20% lower insurance rates"
Read 11 tweets
@GeorgeSelgin @DanAwrey @KleeBeard @dandolfa @amacker @Aarondklein @DavidBeckworth @vtg2 @EconSteveM @jasonfurman @RebelEconProf @ProfJulieHill @jameswester @jp_koning @ProfKateJudge @dgwbirch @JosephPolitano @TheStalwart 1/ George--may I throw another critical topic into this great discussion? An even bigger factor in payment systems is integration cost. The issue of volume pricing discounts won't matter if any system is too expensive for users to integrate with upfront.
@GeorgeSelgin @DanAwrey @KleeBeard @dandolfa @amacker @Aarondklein @DavidBeckworth @vtg2 @EconSteveM @jasonfurman @RebelEconProf @ProfJulieHill @jameswester @jp_koning @ProfKateJudge @dgwbirch @JosephPolitano @TheStalwart 2/ The US banking industry has a long history of building walled gardens--proprietary systems that require big upfront integration costs. #fintech generally has the opposite approach--they build systems as open & interoperable as possible, based on ease of tech integration
@GeorgeSelgin @DanAwrey @KleeBeard @dandolfa @amacker @Aarondklein @DavidBeckworth @vtg2 @EconSteveM @jasonfurman @RebelEconProf @ProfJulieHill @jameswester @jp_koning @ProfKateJudge @dgwbirch @JosephPolitano @TheStalwart 3/ Think Stripe's infamous API (7 lines of code). Why has Stripe been so successful? Ease of integration is a big reason. Would the Stripes of the world exist if banks made integrations easier? Prob no (h/t @kanzure). Much of #fintech is really middleware to solve this problem.
Read 10 tweets
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Read 13 tweets
The DTCC and R3 have moved into "parallel production" with project Ion. The "DLT-based" platform provides bi-lateral equity settlement for some of the US's largest banks and financial institutions. 

This is quietly massive for several reasons.
1. The DTCC doesn't do things by accident; they've implemented this because they and the FIs are getting major cost and risk management benefits, meaning the business case is real.
2. R3 has quietly built a business that consistently wins the big projects in CBDC and the financial market structure. 3.

#fintech #finance #capitalmarkets #defi #crypto
Read 5 tweets
7 Inspiring #womenintech founders and investors that are building the future - a thread🧵 Image
1.) Odunayo Eweniyi (@OdunEweniyi)

Odunayo graduated top of her Computer Engineering class in 2013 and was just 24 years old when she co-founded Piggybank (and PiggyVest) in 2016. Image
@OdunEweniyi 1a.) PiggyVest (@PiggyBankNG) is the first ever online app for personal savings and investment in West Africa.

Today its one of Nigeria’s most successful #fintech startups, impacting millions of people.
Read 24 tweets

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