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Growth of Fintech and Disruption of Brick-and-mortar Financial Institutions

Tom Spencer

The idea that technology can be configured to drastically improve the delivery and usability of finance began taking off following the financial crisis of 2008, when consumer distrust for traditional banks combined with the increasing popularity and functionality of smartphone apps. References: EY(2017) EY FinTech Adoption Report 2017.

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Blockchain: Bitcoin, Bored Apes, and Beyond

Tom Spencer

Blockchain technology is making a strong impact in the finance industry due to the fact that it enables decentralization and direct peer-to-peer transactions. In 2017, Spotify acquired Mediachain so that it could provide this payment facility to its musicians and reduce the administrative task of dealing with payment claims.

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Blockchain: New Use Cases for Governments and Business

Tom Spencer

Governments, businesses, and individuals are developing new use cases for blockchain as barriers to adoption continue to decrease. Blockchain has already had a significant impact in the finance industry with the global cryptocurrency market cap now exceeding $1 trillion. In 2017, Protokol estimated that $1.2

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Consulting as a Contractor: The Rise of Self-Employment

Tom Spencer

In 2017, Warton published an article that highlighted the rise of contractual workers in both the private and public sectors. They also need to manage their own training, resource development, and financing. Contractors need to be highly disciplined, organised, and have excellent time management skills.

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China’s Role in Africa

Tom Spencer

According to a McKinsey report , China is one of the top economic partners for Africa across five dimensions: trade, level of foreign direct investment (FDI), growth of FDI, infrastructure financing, and aid. Infrastructure development is one of the key reasons why Africans hold a positive view of China’s involvement in Africa.

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The Hidden Costs of Initial Coin Offerings

Harvard Business

More recently, it has gained attention as a way to finance new ventures, through what is known as an Initial Coin Offering (ICO). Less noticed, though, is ICOs appear almost antithetical to the standard approach to financing a risky venture. In fact, ICOs have upended the conventional pattern of staged experimentation and fundraising.

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Fintech’s Next Obstacle: Mastering the Customer Experience

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In 2017, fintech firms raised $16.6 billion in financing—an amount considerably higher than the $3.8 The financial landscape is so competitive that even disruptive technologies are at risk of being disrupted themselves, notes Chris Condon, SVP of Americas Business Development at TTEC. billion raised just four years prior.

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