Blockchain In Fintech

Blockchain In Fintech
Blockchain In Fintech Image link: https://vi.wikipedia.org/wiki/Bitcoin
C O N T E N T S:

KEY TOPICS

  • While much has been made about how disruptive blockchain can be for the industry, fintech has already staked its claim in innovation, and continues to show that while this emerging technology can help, it?s certainly not required.(More...)
  • Blockchain Technology for Fintech, Supply Chain Management and Media You are using an outdated browser.(More...)

POSSIBLY USEFUL

  • Blockchain can provide users with the technology to protect their content from unauthorized use, and allow users to get paid from companies or other parties using their content.(More...)
  • The move is the first of its kind and would formally recognize the use of blockchain records as an accepted mechanism for transmitting payments, paving the way for broader adoption of what proponents call revolutionary technology and critics say is overhyped.(More...)
  • Banks need to take a long-term view and work with technology partners, regulators, and blockchain providers to define a framework that can act as the platform for a distributed ledger that is universally accepted.(More...)

RANKED SELECTED SOURCES

KEY TOPICS

While much has been made about how disruptive blockchain can be for the industry, fintech has already staked its claim in innovation, and continues to show that while this emerging technology can help, it?s certainly not required. [1] While the cryptocurrency industry has been riding the blockchain wave over the last 12 months, spaces such as the fintech, supply chain management and media industries stand to benefit from the real-world utility of blockchain. [2] A PWC survey of the financial services sector and fintech has showed that almost 77% of financial services industry plan on adopting blockchain in some way by 2020. [1] Despite the promise blockchain holds, the fintech industry continues to find new ways to solve existing problems on its own, providing better accessibility to more people in the process of its own evolution. [1] The fintech industry will continue to find innovative ways to accomplish its objectives and integrating blockchain may be a major step. [1]

Blockchains provide users and companies in Fintech a decentralized network to share secure information, and provide the unalterable transfer of data. [2] Not only will the implementation of blockchain in Fintech result in increased security for the user, it will reduce costs for banks, with expected savings between $15-20 million by 2022. [2] While some companies have successfully integrated this new architecture, the question remains as to whether fintech really needs to embrace blockchain at this early stage. [1] One of the largest sectors where blockchain and cryptocurrencies have made a splash is in fintech. [1] Cointelegraph covers fintech, blockchain and Bitcoin bringing you the latest news and analyses on the future of money. [3] Blockchain is only a part of fintech and not a synonym for fintech. [3] Blockchain technology holds great promise for the fintech industry at large. [1] The tendency to synonymize fintech with Blockchain isn't entirely faulty, especially considering that even the World Economic Forum, in a 2016 report, said that Blockchain technology will fundamentally change the way financial institutions around the world operate. [3] Blockchain technology is just about the first thing that comes to mind whenever a discussion centers on the topic of fintech innovations. [3] While Blockchain technology is most likely going to alter the financial services landscape, it would be specious to attach the concept of fintech exclusively to Blockchain. [3] The trend is continuing, and the disruption that blockchain technology brings to the Fintech and payment processing cannot be over-emphasized. [4]

Financial technology or fintech start-ups are using blockchain to offer services like payments and recording transactions, potentially putting themselves in direct competition with banks. [5] Fintech is changing the the financial services industry with Chatbots for customer service, Machine learning and AI for fraud detection, Omni-channel banking and obsolescence of bank branches, Biometrics for stronger security and Blockchain for digital transactions. [6]

In this article, we look at how giving fintech applications the blockchain treatment takes the financial sector to the next level, in areas such as wallets and money transfer, processing and payments infrastructure, wealth management, and consumer lending using cryptocurrencies as collateral. [7] Twenty-two of the world's biggest banks and fintech firm R3 have just developed an international payments system using blockchain. [5]

Since the advent of blockchain, however, fintech has become but one use case in the onslaught of disruptive uses our favourite new technology brings to the table. [7] With a range of applications, from finance to gaming, Blockchain has proven to be a valuable asset in the Fintech industry. [8] Of the nine companies that Forbes lists as "The Future of Blockchain And Cryptocurrency", five have made the Fintech 50 list for the first time this year. [9] Both Blockchain and Fintech have the potential to change how financial institutes and various industries currently operate. [6] Forbes' site has a separate article breaking down the influence of Blockchain and crypto companies that made the Fintech 50 list. [9] In 2018, blockchain uses range from fintech to gaming and everything in between. 2017 saw blockchain have its "jump-out-of-the-cake" moment. [8] Paving the way for the 22nd century, perhaps? A PwC survey indicates that 55% of fintech businesses surveyed plan to adopt blockchain as part of their production system or process by 2018. [7] Gibraltar's financial services watchdog will introduce the world's first bespoke license for "fintech" firms using blockchain distributed ledger technology (DLT) from next month in a bid to attract start-ups to the British overseas territory as it prepares for Brexit. [5] Many cities in Europe, the United States and Asia are vying for fintech business, and others have yet to take this regulatory step, largely because the adoption of blockchain, the technology behind cryptocurrencies such as bitcoin, is not systemically important enough to warrant specific regulation. [5]

Blockchain plays a key role in Fintech innovations, however it is not the same thing, it is simply a factor in the equation. [6] Veem and Robinhood, which made the Fintech 50 list, but which Forbes does not mention on its Blockchain and crypto side list, are also associated with the crypto world. [9] Fintech managed to take us out of the dark ages, but the addition of blockchain promises to send us shooting across the galaxy at warp speed. [7] The association stands: blockchain isn?t always fintech, but fintech has been given a playmate it won?t easily be able to cast aside. [7]

Blockchain Technology for Fintech, Supply Chain Management and Media You are using an outdated browser. [2] In Forbes' third edition of the " Fintech 50 ", a list of the top 50 financial technology companies globally of 2018, released on Feb. 13, eleven of the companies listed use Blockchain technology or are connected to the cryptocurrency industry. [9] Ever since, FinTech companies are getting prepped up to utilize blockchain tech and diversify their portfolio and include a number of services, such as consumer lending, cross-border payments, and the delivery of insurance products. [10] With the blockchain tech slated to transform India's FinTech landscape, let's understand the true revolution promised by the technology and how India is leveraging the same for achieving its FinTech ambition. [10] The deployment of blockchain tech can considerably reduce the time currently required for processing several FinTech transactions. [10] We love this concept as it solves three major pain points currently felt in the fintech blockchain space. [11]

New and Innovative Fintech Solutions - Blockchain - Fern Software meta name"description" content"Blockchain technology is all the rage in recent years. [12] FinTech Blockchain is ideal for technology and banking professionals who wish to differentiate themselves. [13] Come join the the Stellar.org team and featured guests for an evening discussing blockchain and fintech in the Gulf! The event will include a fireside chat with Mr. Marwan Alzarouni, Founder of OTC Supply, as well as presentations by Stellar ecosystem partners NEC Payments, LALA World and Mobius. [14] Bermuda will introduce a new type of banks to encourage the growth of blockchain and FinTech industries. [15] Fintech Files? view Malta may have jumped on the blockchain bandwagon at the right time. [16] This round, one of the largest venture rounds raised by a blockchain company to date, features investments from notable organizations in fintech and blockchain and is a testament to our method and responsible approach." [17] The British overseas territory is making an effort to position itself as a prime destination for FinTech innovation, having recently passed an ICO Bill and Digital Asset Business Act to in an attempt to attract crypto and blockchain companies. [15] "There?s a lot of interest right now in the ecosystem around finding the right use cases for blockchain technology," said Reetika Grewal, head of payments strategy and solutions at Silicon Valley Bank, and one of the leaders of its fintech accelerator. [18] Some of the key players in FinTech Blockchain market are Microsoft, Chain, Oracle, Auxesis Group, Recordskeeper, Earthport, Factom, Bitfury, Guardtime, Applied Blockchain, Alpha point, Digital, Asset Holdings, Abra, IBM and Ripple. [13] Global FinTech Blockchain market is accounted for $231.0 million in 2017 and is expected to reach $34105.1 million by 2026 growing at a CAGR of 74.2%. [13] By provider, application and solution providers segment held significant growth for FinTech Blockchain market during the forecast period due to adoption of technologically developed blockchain solutions in financial companies. [13]

To better understand and discuss the Blockchain usage and technologies in the financial sector we bring to you the Blockchain Fintech Confex on the 27 th and 28 th of September 2018 in New York, USA. [19] Blockchain and fintech removes fees and accelerates the pace of payments because the smart contracts and the inherent transparency of the blockchain remove the need for intermediaries. [20] Thanks to blockchain and fintech, transactions take place directly between two parties on a fully transparent ledger, so it is immune from human manipulation or error. [20] Nine of the world's famous banks, including JPMorgan, Royal Bank of Scotland, Goldman Sachs and Barclays, are partnering with R3, a New York-based financial technology firm, to create an infrastructure based on blockchain fintech ( 3). [20] Blockchain and Fintech might be the innovation that sends adoption of these technologies into the stratosphere. [20] We are passionate about the ways blockchain fintech can change the world. [20] R3 is also focused on governmental acceptance of blockchain, with buy-in from these institutions signifying a drastic shift in terms of governmental compliance and usage of such fintech. [21] Coinspeaker is a completely independent news source covering Blockchain, Crypto, Fintech and IoT news. [19] Presented over the course of four months, the faculty will deliver a FinTech and Blockchain Bootcamp with established curriculum taught through a blended online and face-to-face weekend session format. [22] In addition to advising students in content and career preparation, this team will also serve as the FinTech and/or Blockchain subject matter experts (SME) for Harrisburg University and Hussian College. [22] As the popularity of cryptocurrencies has grown, so has the banking industry?s interest in blockchain for fintech, with an increased and focused push on bank-backed blockchain projects. [21] The FisherBroyles FinTech and Blockchain practice group combines our expertise in financial regulatory, technology and transactional issues, which enables us to provide a comprehensive service offering to clients operating in or investing in the FinTech and Blockchain space. [23] Infinity Blockchain Labs (IBL) is a visionary R&D company engaged in intermediary, blockchain fintech and RegTech services employing blockchain technology. [20] A number of fintech executives believe blockchain technology still has some way to go but will have a significant impact on the financial services. [24] The UTC is definitely a sign of fintech adoption in the banking industry, ensuring the eventual wide-scale use of blockchain technologies on a standardized level across the globe. [21] An Initial Coin Offering, or ICO, is a method of crowdfunding increasingly used mainly by FinTech startups developing applications for Blockchain technology. [25]

The 1st Annual Innovation & Technology Law CLE, "Blockchain and FinTech: Innovation and Regulation," brings together innovators and technologists, lawyers, and regulators to address the opportunities and regulatory challenges in financial innovation. [26] I hope that doesn?t give you dot.com bubble flashbacks because now this same location is a hot bed of investment into FinTech and Blockchain acceleration that is driving financial digital transformation and touching most every line-of-business. [27] 11 Financial Regulators Launch "Global Sandbox? for Blockchain, FinTech Push You are using an outdated browser. [28] As we know, the adverb "quickly? is a relative word, as an octogenarian may suggest to a millennial (or a fintech to a bank, for that matter), so one might question how quickly blockchain is moving into the real world, although its moving beyond cryptos is quite agreed. [29] Financial Institutions looking to develop, pilot and implement FinTech and Blockchain solutions can build labs and go into production without having to compromise their governance, risk and compliance policies. [27] Global-wide - Legal: Blockchain & Cryptocurrencies Advisers - Professional Advisers: FinTech - Chambers and Partners tag, and before any other scripts. [30] The natural question is why would Nutanix, a Silicon Valley company, focused on driving large-scale enterprise adoption of HCI and Enterprise Clouds want to put any focus on nascent FinTech and Blockchain startups? One reason is Nutanix is hungry to be an integral participant in innovation and positive disruption as it is happening. [27] J. Dax Hansen is a Partner at Perkins Coie LLP and Chair of the firm's Fintech and Blockchain Technology & Digital Currency Industry groups and a member of the firm's Technology, Transactions and Privacy practice group. [26] Evan was the first graduate of Seattle University School of Law's LLM program focused on fintech, and is particularly interested in creative, non-financial applications of blockchain technology. [26] Fintech is certainly all over the blockchain space, and some of the larger financial institutions have made substantial investments in the past couple of years through their venture capital arms (Citi in Chain, Cobalt; JPMC in Axoni, many banks in R3, etc) and IT budgets. [29] Richard Levin of Polsinelli PC is a regulatory and compliance attorney who focuses on helping FinTech clients navigate through the uncertain regulatory landscape they find themselves in, especially with respect to blockchain technologies. [30]

Even though there are certain risks associated with the blockchain, this technology can reshape the whole way that FinTech companies function in the global economy. [31] Blockchain is an underlying technology of various real-time, fast, and secure fintech applications. [32] We need to develop some basic infrastructure before blockchain fintech can advance to a point where it provides meaningful solutions for transparency and financial inclusion. [33] As global demand for regulatory services is expected to be worth $118.7 billion by 2020, FinTech companies are advancing regulatory compliance via modern technologies such as the blockchain. [31] FinTech companies such as ernity leverage this advantage of the blockchain to protect payments. [31] Creating digital standards for trade, rules for digitization, and achieving global adoption of one harmonized legal identity for companies will create the infrastructure required to move blockchain fintech further. [33] She pointed out that the Fintech Action Plan proposes to identify and address the challenges brought about by technologies such as blockchain, while a strong cooperation between various services is a must. [34] This is echoed by Marcello Topa, Chairman of the EBF Blockchain Task Force and Director, EMEA Market Policy & Strategy Citi - Markets and Securities Services, who said that Banks' best friends are Fintech start-ups. [34] The Blockchain wave is disrupting almost every industry, right from healthcare to retail to fintech. [32] Another piece of architecture required to advance blockchain fintech is a global harmonized identity for all companies, large and small. [33] GLEIF provides an essential piece of infrastructure for the future economy; it helps to advance blockchain fintech to a stage where it can have meaningful benefits for society. [33] BRUSSELS, MARCH 27, 2018 - As the European Commission published its Action Plan on Fintech, finance professionals and professional accountants are looking at the opportunities and challenges of the new Fintech, Blockchain and ICOs (Initial Coin Offerings) landscapes, to guide their clients and organisations. [34] Considering this, it is possible to find use cases of Blockchain in the fintech world. [32] There are two challenges hampering the ability of blockchain fintech to address these transparency and performance issues: the supply chain is slow to digitize, and there is a lack of interoperability. [33] There are many blockchain FinTech startups offering crypto-based money transfers, including Ripple, OkCoin, BitPesa, Sentbe, and Abra. [31] FinTech Valley Vizag has collaborated with Covalent Fund to develop Velugu Core, an Indian-focused blockchain stack. [35] Blockchain fintech is yet to fulfill its transformative potential. [33] The Blockchain in Fintech Summit takes place on 27th Sept is a separately bookable one day event after the main FinovateFall conference. [36] B-Hive on ACCA panel discussion on Fintech and Blockchain policy developments and next steps hosted by Press Club. [34] This is achieved through expert groups, an EU Blockchain Observatory and Forum, and a EU Fintech Lab. [34] Below are 3 specific initiatives that can create the infrastructure required to get blockchain fintech closer to all the hype and promise. [33] Without reliable identifiers, the huge pool of metadata that blockchain fintech promises may be impossible to navigate. [33] Professional and personable I would highly recommend to any blockchain and fintech focused company. [37] Long-time fintech analysts have low expectations for Facebooks newly unveiled blockchain initiative to be headed by PayPals former president. [38] Blockchain, as well as other applications for fintech, has the potential to solve lots of problems. [33]

POSSIBLY USEFUL

Blockchain can provide users with the technology to protect their content from unauthorized use, and allow users to get paid from companies or other parties using their content. [2] Blockchain is the technology that uses a shared ledger to record transactions across a decentralized network of computers. [2] Unlike centralized systems where processes can be manipulated or deliberately avoided to achieve selfish unholy benefits, the Decentralized Ledger Technology (DLT) by using the blockchain creates complete records, with copies, held on multiple computers, efficiently preventing the records from being altered. [4] Because it can instantly share data with each organization involved in a blockchain database or ledger, the technology reduces or eliminates the need for reconciliation, confirmation and trade break analysis as key parts of a more efficient and effective clearance and settlement process, according to Accenture. [39] Banks profit from fees, so would a system that stands to eradicate fees be widely adopted by the banks themselves? If blockchain can save the industry from the loss of billions of dollars in fraudulent activity and hacking, Gualt says, then adopting the technology would be justified. [2] Banks, especially, have indicated an interest in the technology, with nearly one third of surveyed institutions noting that they are at least in the initial stages of developing strategies to integrate blockchain into their operations. [1] The financial services company announced that the Royal Bank of Canada and Australia and New Zealand Banking Group Ltd. are the first two banks to join the blockchain network, "representing significant cross-border payment volumes." [39] KlickEx Group, a United Nations-funded, Pacific-region financial services firm, and Stellar.org, a nonprofit organization that supports an open-source blockchain network for financial services, are backing the new cross-border payments service powered by IBM's platform. [39]

Touted as the defining technology of the next decade, blockchain is quickly moving beyond cryptocurrencies into many real-world applications that have tremendous value for the business world. [2] As we?ve begun to witness, blockchain will expand its capabilities as a secure, anonymous, and decentralized technology into several industries, including the growth of cryptocurrencies, as we push further into the 21st century. [2] While Dr Swinburne highlighted in her address at the London Hilton Tower Bridge hotel that blockchain and DLT holds up great potential, the industry at large is still just learning what can be done with the technology. [1] Blockchain brings to light the viability of peer-to-peer transactions that ride on the back of the inherent characteristics of the novel technology. [4] "In order to move anything of value over any kind of blockchain, the network must first agree that that transaction is valid, which means no single entity can go in and say one way or the other whether or not a transaction happened," Tapscott said. [39] "The industry needs to learn how to optimize energy consumption," Koyen says, "and one way to do that is to only apply blockchain only to industries that have compelling reasons to use it. [2] The industry may find great uses for blockchain, but should not consider it a pillar so much as a powerful and complementary asset. [1]

Combining social media and intellectual property on a secure blockchain ensures content creators can post articles, videos, images, or any original work and get paid for it ? a problem the digital content industry has struggled to find a solution for since the rise of social media. [2] And, while the industry has made great strides, blockchain provides full transparency thanks to its public ledger. [1] Blockchain is a public electronic ledger - similar to a relational database - that can be openly shared among disparate users and that creates an unchangeable record of their transactions, each one time-stamped and linked to the previous one. [39] Blockchain can reduce a bank?s interaction with parties and intermediaries, reducing costs for maintaining and executing contracts, as well as reducing the cost of bank-to-bank transactions for users. [2]

Transactions on the blockchain are transparent and immutable; this relays the benefit of secure tamper-proof records of asset transfers. [4] Leading companies like Walmart and the Danish shipping giant Maersk have partnered with IBM to utilize a blockchain system to maintain secure records and improve the traceability of their products. [2] There are services that you'd hope the plumber should be a part of, like promoting the business, but does your local plumber or locksmith need a fully responsive mobile website with videos and slideshows? No. And the same goes for blockchain. [2] The IIN unveiling came after a Polynesian payments system provider and IBM unveiled their own cross-border blockchain payments service. [39] J.P. Morgan has created what is arguably one of the largest blockchain payments networks to date. [39]

Blockchain is very much a nascent technology, and one that has not proven it has staying power. [1] The KODAKOne platform aims to reward users similar to Steemit ? the social media platform using blockchain where users can publish content and get rewarded in cryptocurrency when other users "like?, or "upvote?, their content. [2] Blockchain can also enhance the privacy of user data that Google, Facebook, and companies alike profit from. [2] Smart Contracts exist on a blockchain, and they allow for the transfer of all types of data ? not just cryptocurrency. [2] With the invention of Smart Contracts, blockchains can ensure the obligations of both parties are met before a transaction or agreement is completed. [2] Blockchain peer-to-peer transactions are instant, secure and cheap (sometimes feeless). [4] The blockchain contains a true and verifiable record of each and every transaction ever made in the system. [39] In the blockchain, this form of transaction it transparent, trusted and immutable. [4]

Emerging technologies such as blockchain, machine learning and robotics are being deployed by J.P. Morgan to improve platforms and develop innovative solutions. [39] "We envision a blockchain solution for food transparency to be collaborative, and we want as many people in food production to be involved and engaged in that," says Yiannis. [2]

While industry experts are certain blockchain will play a significant role in our future, we are far from reaching the limit of its capabilities. [2] Many industry observers still clearly remember the Dot-com bubble of the 1990s, and the blockchain industry could be exhibiting symptoms of the same ill-fated trajectory as the bandwagon effect accelerates. [1]

Senior Reporter Lucas Mearian covers financial services IT (including blockchain), healthcare IT and enterprise mobile issues (including mobility management, security, hardware and apps). [39] Investors should be leery of companies that spread themselves thin by attempting to apply blockchain to a wide range of industries. [2] The ledger delivers transparency, and the decentralized network that supports blockchain makes it harder to perpetrate cyber attacks that can cause millions of dollars in losses. [1] As a peer-to-peer network, combined with a distributed time-stamping server, blockchain databases can be managed autonomously. [39] "Because blockchain has no central authority figures, blockchains are governed by the network operators." [2]

Ramzan said his customers are asking about blockchain for audit logging and or verifiable logs, which is viewed as a reliable way of tracking what happened in an organization to satisfy regulatory auditors. [39] Blockchain can only be updated by consensus between participants in the system, and when new data is entered, it can never be erased. [39] A businessman holds a hologram on his hand in a concept reflecting the blockchain, cryptocurrency and the Internet of Things. (Image: Shutterstock). [1] It's clear that blockchain has the potential to make finance more efficient, but the big players are well-established," said Koyen. [2] When Walmart used a new method ? IBM?s blockchain ? to track the mangos, they saw results "in about two seconds," as well as a full breakdown of each step along the fruit?s journey, from cultivation to storage to delivery. [2] The remittance sector is also an area where blockchain is significantly disrupting payment processing. [4] JPMorgan Chase & Co (JPM.N) announced in October that it launched a new payment processing network that uses blockchain technology, in partnership with Royal Bank of Canada (RY.TO) and Australia and New Zealand Banking Group (ANZ.AX). [4] The Bank of England is also piloting blockchain technology to create a more efficient and less costly payments, clearing and settlement network. [39]

That FinTech network was heralded as being able to improve efficiency and reduce the cost of making global payments for business and consumers. [39] At the 2016 Apigee FinTech API Summit, experts pointed at the possible ways that the use of API would disrupt the financial services business. [3] Fintech began out of necessity, and the solutions the industry has pioneered include credit cards, ATMs, and many of the financial services we use online via computers and mobile devices today. [1] One of the fastest growing industries of this decade, the world has welcomed the Fintech industry with open arms. [2]

The mainstream financial system can do almost nothing without establishing the identity of a customer or user, and that is a problem with fintech innovators. [3] Among companies in Fintech, those benefiting the most are start-ups. [2] The majority of fintech innovators are looking to offer complete digital products, but identity challenges break the digital flow by forcing innovators to employ physical channels, such as photographs of drivers' licenses. [3] Funding of Fintech start-ups has increased at a CAGR of 41 percent to more than $40 billion in cumulative investment over the last four years, according to PwC?s 2017 Global Fintech Report. [2]

Earlier this year, Accenture released a report claiming blockchain technology could reduce infrastructure costs for eight of the world's 10 largest investment banks by an average of 30%, "translating to $8 billion to $12 billion in annual cost savings for those banks." [39] Blockchain technology can provide efficiency and cost savings to the supply chain industry. [2] While the benefits of savings and security lead the way, it would all be for nothing if blockchain technology isn?t adopted by the industry on a mass scale. [2] Beyond cryptocurrency, blockchain technology is changing the way we do business. [2]

Alex Tapscott, the CEO and founder of Northwest Passage Ventures, a venture capital firm that invests in blockchain technology companies, said while no system is "unhackable," blockchain's simple topology is the most secure of any network today. [39] Regardless of how important Blockchain technology might be to the future of finance, we need to be realistic - it cannot solve all challenges facing the financial services landscape alone. [3] Blockchain technology has already been tipped to have the potential of solving identity issues in the digital world. [3]

The blockchain market is expected to be worth more than $7 billion by 2022; Koyen and his team view blockchain as the most disruptive technology since the Internet. [2] "The blockchain market has grown at a much faster rate than anticipated," says Jeff Koyen, Strategic Advisor of 360 Blockchain, a company focused on investing in technologies that use blockchain in innovative ways. [2] These benefits are some of the motivational elements that are enhancing the growth of blockchain tech and making it find application in several ways. [4] Besides tackling fraud and corrupt practices, blockchain technology offers several other benefits especially in the areas of payment processing. [4] This is just one example of the numerous entities that are gradually adopting blockchain tech based on their peculiar needs, especially in payment processing. [4]

IBM's Blockchain Platform, a cloud service, was used to enable the electronic exchange of 12 different currencies across Pacific Islands as well as Australia, New Zealand and the United Kingdom. [39]

According to a 2016 World Economic Forum report, for fintech to actualize its full potential, there's a need for more digital identity innovations. [3]

The move is the first of its kind and would formally recognize the use of blockchain records as an accepted mechanism for transmitting payments, paving the way for broader adoption of what proponents call revolutionary technology and critics say is overhyped. [5] "This is the first instance of a purpose-built legislative framework for businesses that use blockchain or distributed ledger technology," Nicky Gomez, the GFSC's head of risk and innovation, told Reuters. [5] A number of financial regulators from across the globe are forming a new alliance to facilitate the growth of financial technologies such as blockchain and distributed ledger technology (DLT). [40] Blockchain is the technology that undergirds the cryptocurrency world, but itspotential uses extend much farther. [41] The Gibraltar Financial Services Commission (GFSC) will publish guidance on Friday for applying its new law for firms that use blockchain to "transmit or store" cash and assets belonging to others much in the same way as a bank is authorized. [5] Joshua Brown, CEO of Ritholtz Wealth Management and founder of TheReformedBroker.com shares his prediction for the surprising way blockchain can revolutionize the financial services industry. [41] The UK financial market, much like the British government, is set on providing greater transparency, making it the perfect breeding ground for a company administered by the transparency of blockchain to transform the lending industry. [7]

A Blockchain is a decentralized, distributed and public digital ledger that is used to record transactions across many computers so that the record cannot be altered retroactively without the alteration of all subsequent blocks and the consensus of the network. [6] Blockchain, which first emerged as the architecture underpinning cryptocurrency bitcoin, is a shared electronic database that updates itself in real time and can process and settle transactions in minutes using cryptographic computer algorithms with no need for third-party verification. [5] Blockchain was created to solve the double-spending problem, being able to provide public transactions, without the need of a trusted authority or central server. [6] Blockchain can be leveraged to streamline customer transactions, including payments --not only making it cheaper but also safer and faster to send money between users. [8] The most considerable application of blockchain will be the disruption of payments for banks as well as customers by reducing the cost and time taken to transfer money. [6] According to Korea JoongAng Daily, the FSC will introduce new regulations to open the doors for banks and insurance companies to protect customer data and simplify verification processes with blockchain solutions. [42] A blockchain can be viewed as a digital ledger that is capable of recording any data and hence offers multiple use cases. [10]

Commonly known as the technology that underpins Bitcoin, blockchain has far outgrown its humble origins. [8] Blockchain allows transactions to be processed far quicker and at a significantly lower cost than traditional wire transfer services such as Moneygram, Western Union, or SWIFT. [7] While the introduction of blockchain and cryptocurrency is bringing the very identity of the finance world into question, what follows are some of the ingenious startups that build on fintech?s earliest roots, namely bringing finance into the 21st century, by putting their service offerings on the blockchain. [7]

Blockchain regulation by traditional authorities is a hot topic that has many experts divided as to the best way forward, but the general consensus is that some type of regulation even if self-regulation is necessary to provide accountability to a hitherto unsubdued (and often frenzied) industry. [7] Not only are they solving key problems in the industry, they are innovatively reshaping the user experience behind blockchain applications. [11]

The past year has also introduced many promising blockchain startups that are attacking pain points ranging from access to financial services to easy and safe ways to trade cryptocurrencies. [11] Lendo?s uniquely situated value proposition unifies a traditional financial service like lending with the best technology-driven blockchain brings to the party, including the trustless of smart contracts and utilizing cryptocurrencies as an (arguably) new asset class. [7] Ever had a need to use the money you?ve invested in cryptocurrencies but you couldn?t bear to part with the future gains hodling is bound to bring you? Not to worry: the best of blockchain meets the best of credit in a pioneering sub-industry crypto lending. [7] CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups. [40]

While the company?s focus remains African (with eventual plans to expand globally), they?re keen adherents of international regulatory practices and was, in fact, the first blockchain company to be licensed by the UK?s Financial Conduct Authority. [7] Blockchain, remember, was first implemented circa 2009 a mere 9 years ago. [7] If you asked someone a couple of years ago what blockchain is, they?d probably have no idea what you were talking about. [8] A cursory glance at this Google Trends graph will quickly show you that blockchain had quite a stellar year. [8]

The list of blockchain companies currently employing collective intelligence in its management and organizational structure is decidedly lean, and Swissborg?s addition to the collective truly heralds a new era in how companies are run. [7] Wealth management is notorious for being elitist and in direct contrast to the continuous economic shift to democratic and, thanks to blockchain, evermore transparent governance. [7]

Jurisdictions like Gibraltar have in the past been fending off accusations of being light-touch regulators in a bid to attract business, but the GFSC said the blockchain law included rigorous requirements. [5] This blockchain business, however, doesn?t rest on its laurels. [7]

Due to its nature and great capabilities, blockchain applications has shown great opportunities, not limited to finance. [6] The core benefits of building on the blockchain include enhanced security, public records that can?t be tampered with, and the elimination of unnecessary intermediaries. [11] Financial institutions are also said to benefit greatly from the capabilities of blockchain systems. [8] A recent study by PwC found that 77% of the Financial Services incumbents surveyed expect to adopt blockchain as part of an in-production system or process by 2020. [11] While this is but one target audience segment served by blockchain lender platform Lendo, it certainly makes for a notable point worth pondering in society?s continued evolutionary ascent. [7] By design, a blockchain is resistant to modification of data. [6] Every block of data is recorded with hash functions and is linked together via timestamp, hence forming a blockchain. [10]

Again, blockchain can drastically reduce the administrative costs that this increasingly heavy regulatory burden places on them. [8] The decentralized nature of blockchain means that both these risks are eliminated. [8] Blockchain is an open distributed ledger, and operates openly. [6] Currently the foremost blockchain use case, money transfers might just be what is leading the blockchain revolution. [7]

Fintech, a new industry using technology to improve activities in finance, focusing on a more accessible service to the general public. [6] Last month American Express introduced instant blockchain-based payments using Ripple, a fintech start up, marking one of the first major users of the technology. [5]

With FintechFans (the FintechCoin) for example, a decentralized staffing solution for the Financial Tech industry, the focus here is not on the cryptocurrency itself but rather on the human element to further promote the growth of FinTech innovation as a whole. [8] Fintechs consists of both established organizations and startups, aiming to enhance the services currently provided by existing companies in the financial sector, by redefining and creating new application, processes, product and business models. [6] Up until a few years ago, fintech was as groundbreaking as the financial industry could hope to get. [7]

As part of its fintech roadmap, the FSC will also allow more small and medium-sized companies to access more customer data through digital payment systems. [42] The FinTech landscape in India was greeted with a watershed moment towards the end of 2016, when digital payments received an unprecedented push from the Government of India, with the sudden demonetization of high-value currency notes. [10]

The founders of three of the companies, The Bitfury Group, Coinbase, and Ripple that made the Fintech 50 also made Forbes' list of the " Richest People in Cryptocurrency " released last week. [9] Fintechs that can offer what banks cannot will allow them to grow a new customer base and have high retention. [6] Regulators hope this move will inspire new products and services in the burgeoning fintech sector. [42] Financial Technology, known as Fintech is a new and innovative approach that can disrupt traditional financial services. [6] It could be said that 2017 was the year of the fintech revolution. [11] Fintech, which has been around since the 1950s, saw a record total of US$27.4 billion invested into its operational coffers in 2017. [7] Fintech is an area that requires new technologies, and it will solve the youth job problem by increasing job positions for young people." [42]

As we stepped into the New Year 2018, along with the recent unveiling of the Union Budget, blockchain technology has emerged as one of the key innovations that are going to define the future of digital financial transactions in India. [10] In the view of the digital security issues, blockchain tech has emerged as one of the most reckoning and disruptive solution towards securing financial transactions. [10] Adoption of blockchain technology further provides plausible solutions to a number of roadblocks limiting the ubiquity of digital transactions. [10]

The South Korean Financial Services Commission (FSC) has aired plans to encourage the use of blockchain technology in new payment systems in order to better protect user information. [42] Veem is a sending and receiving payment system for businesses that uses Blockchain technology, and Robinhood is a stock trading app that recently announced the launch of zero-fee crypto trading of Bitcoin and Ethereum (ETH) for its users this month. [9]

As an online payment platform, Bitpesa leverages blockchain technology in processing B2B payments to, from, and within Africa, although current operations within the continent are limited to the sub-Saharan region, including Kenya, Nigeria, Tanzania, Uganda, Senegal, and the DRC. [7]

Earlier this year, it was reported that blockchain technology could save investment banks up to $12 billion annually in back-office costs. [8] Some experts believe adopting security measures used by banks could help to strengthen the viability of blockchain technology. [41]

As of today, several leading banks, the likes of which includes the Axis bank, ICICI, Kotak Mahindra, and more, have been adopting blockchain tech to provide their customers with highly secured and quick banking solutions. [10] By adopting blockchain tech, digital payment services providers will not only be able to offer secured services, but also expedite the same. [10] Several payment gateways, mobile wallets and other key stakeholders in the digital payments sector are greeted with a golden opportunity to adopt blockchain tech. [10] For instance, cross-border payments, that typically consume up to 4 business days, can be done within seconds via blockchain tech. [10]

This Switzerland-based blockchain platform, as an investment hedge fund, is administered on DAO (Decentralized Autonomous Organization) principles, and marries the best of traditional investment expertise with the best of what blockchain and AI technology has to offer, in order to adapt wealth management to the people-first demand of the 21st century. [7] The company Blockchain is described as the " world's most popular cryptocurrency wallet " that is a threat to Coinbase and Xapo, while Chain, which offers office Blockchain technology and ledger balance software, is described as a threat to " inefficient legacy record keeping in finance." [9] Blockchain technology is one of the hottest trends in the finance scene, with the potential to completely transform traditional business models. [41] A new report tallies corporate investments in blockchain technology and these three companies are among the top five. [41] Crypto Realty Group is harnessing the innovative advantages of blockchain technology and cryptocurrencies to. [11] By the same token, blockchain technology has been gaining more prominence in the banking circuits. [10]

It is for the same reason that while announcing the Union Budget 2018, Finance Minister Arun Jaitley stressed upon exploring different applications of blockchain tech for ushering India into a digital, cyber-secured future. [10] TenX is now working on COMIT (Cryptographically-secure Off-chain Multi-asset Instant Transaction), an interchain protocol first mentioned in the TenX whitepaper, that aims to solve scalability and accessibility issues in the blockchain space. [7] Invest In Blockchain is one of the fastest growing websites in the cryptocurrency and blockchain space. [7]

"There will be more use of blockchain in security because I think it?s needed and a good way to leverage that technology and protocol," Canaday said. [18] Winjit has embraced the blockchain based distributed ledgers as the most preferred technology for its clients with smart contracts. [43] In columns for FN, Richard Gendal Brown CTO of blockchain developer R3, said most of the apparations of this new technology will end up on the scrap heap, while Nouriel "Dr Doom" Roubini claims blockchain is a pipedream. [16]

Mobile stock tracking, AI-assisted trading automation, blockchain based smart contracts, and digital assistance in brokerage and logistics tracking--Intellectsoft can help you develop a software solution that caters to the individual needs of your business. [44] The Spring Network is a second generation blockchain that will let organizations securely share beliefs about credit and identity data, incorporating both public and permissioned nodes to comply with regulatory requirements and enforce information security through the use of privacy-preserving smart contracts. [17] Spring Labs is creating the Spring Network, which uses the blockchain for data exchange. [17]

He said he expects the use of blockchain to shift to ways to make money. [18]

Blockchain is an internet-based ledger that relies on distributed computers to verify the ledger's accuracy and is used by cryptocurrencies such as Bitcoin to handle transactions. [17] Expand your payment options by accepting cryptocurrencies with Blockchain API. [44]

Users can also qualify for micro-financing on the platform at non-exploitative, transparent interest rates audited via smart contracts on the blockchain. [45] From a private blockchain network to a successful ICO--we are capable of delivering the most technologically advanced projects. [44] "Blockchain" and "Bitcoin" are often used interchangeably in conversation, but in fact Bitcoin is just one application that can run on blockchain. [12] This week, the tiny European island?s government is closing a consultation on what people and businesses want from the world?s first blockchain regulation. [16]

While the fintech industry, as a whole, is taking greater strides to develop solutions that make it possible for people in underserved areas to command greater agency over their own financial health and quality of life, technology development is just the first hurdle. [45] "FinTech industry needs an innovative, robust banking solution," said Burt in a ministerial statement to the House of Assembly [15] Previously local banks have been unwilling to provide banking services to FinTech due to regulatory barriers and aversion to risk. [15] Fintechs that can provide banking, investing or payments as a piece of their broader offering, as Stripe has done in payments, can do well in this environment, he said. [18] Block chains provides users and companies in Fintech a decentralized network to share secure information, and provide the unalterable transfer of data. [13]

With digitalization and innovation on the forefront, technology has completely taken over finance emanating a new emerging sector called fintech. [43] Welcome to The Fintech Files, keeping you up-to-date with the latest developments in financial tech and innovation. [16] Bank boards and C-level execs are starting to view partnerships with fintechs as vital to their success, allowing them to keep up with the pace of innovation and to better adapt business models to tech advances, Canaday said. [18] Many of the most innovative fintechs have been competing with banks and creating alternative financial brands. [18] A study released in December found that 82% of U.S. commercial banks plan to increase fintech investment over the next three years; 86% of bank senior managers surveyed said they intend to boost fintech funding imminently. [18] Regulatory reporting by fintechs and banks will be another area of focus in the coming year, he said. [18] "If you went to conferences a year ago, people were asking, who?s going to win, the fintechs or the banks?" Grewal said. [18]

Although its prime goal is to accommodate the FinTech industry, it will also service citizens of Bermuda and other businesses. [15] " he FinTech industry's success globally depends on the ability of the businesses operating in this space to enjoy necessary banking services. [15]

FinTech companies must also find ways to connect with people who have never been supported by financial institutions. [45] Consultancy firm McKinsey and the World Federation of Exchanges warned market infrastructure companies not to ignore fintech and relatively large cash pools attracted to its arena. [16]

Better experiences from fintech apps like Digit and Acorns are turning financial services firms into "ingredients" rather than "destinations," according to Schwark Satyavolu, general partner at Trinity Ventures. [18] Fintech would hoist business to business (B2B), business to consumers (B2C) and consumers. [43] Gigabit reports that global investment in fintech grew to $24.7bn last year, with Hong Kong's money doubling to $545m, Bitcoin News says. [16] By delivering educational programs, whether through in-person classes or mobile videos and courses, FinTech organizations have a chance to help individuals avoid predatory money scams and, not only take control of their finances, but even grow them. [45] Burt praised FinTech for their ability to "quickly lay a foundation for growth, respond to emerging trends and preserve a reputation for sound management in the process". [15]

"Leveraging our deep knowledge of financial services and blockchain technology, we?ve engineered a fundamentally new way to approach the industry that benefits both consumers and financial institutions with greater data transparency, efficiency, and security." [17] The rise of blockchain technology will mean more transactions will need to be monitored, Canaday said, pushing financial institutions and even some regulators to use regtech tools. [18] Tyrone Canaday, managing director at the consulting firm Protiviti, predicted the use of blockchain technology for identity and access management will gain momentum in the new year. [18] Who wants to regulate blockchain? What do hospitals and cryptocurrencies have in common? Ten points if you said they could all use blockchain technology. [16]

Factors such as increasing crypto currency market cap, huge demand of blockchain technology for payments, smart contracts, and digital identities are some key factors propelling the market growth. [13] Implementing solutions using Blockchain technology can help your business streamline operations and ensure significant cost savings. [44] These include account opening documents, mortgage applications, purchases of financial products like Money Orders, Certificates of Deposit etc. Using the applications on the blockchain platform, banks can guarantee 100% that the documents are authentic and not fraudulent. [12] The most popular non-coin applications used with blockchain technology are contracts that need to be guaranteed for authenticity. [12] Blockchain technology is still arguably at the "experimentation" stage, but its fans believe it will eventually touch every financial institution if it continues growing at its current rate. [12]

To be prepared for fintech partnerships in 2018, he said, banks have been upgrading their tech infrastructure, moving from client servers to the cloud and revamping their data architectures. [18]

Banks need to take a long-term view and work with technology partners, regulators, and blockchain providers to define a framework that can act as the platform for a distributed ledger that is universally accepted. [46] Blockchain 1.0 and 2.0 cannot offer the required functionality that would ensure the adoption of the technology into existing financial industry. [46] How Blockchain can be best used in various financial areas like Payments, Trade Finance, Smart contracts, KYC, Fraud etc. [19] Banks are more active than before in the Blockchain arena and investing and collaborating with other solution providers to make new ways in areas such as payments, settlement, Identity, trade finance, fraud reduction, KYC, smart contracts and many more etc. [19] In Japan, a 47 bank consortium is experimenting with ways to use the Ripple blockchain for a cloud-based payments platform called RC Cloud ( 4). [20] The IBM -backed Hyperledger Fabric project is a trade finance platform aimed at international payments utilizing blockchain, with seven of its largest supporters including Deutsche Bank, HSBC, KBC, Natixis, Rabobank, Societe Generale and Unicredit. [21] The Blockchain Academy offers both live and online video based programs, delivered by industry experts, on the role of blockchain, its impact on central banks, financial institutions, trade finance, settlement, smart contracts, IP as well as blockchain developer education. [19] Last year "the first cross-border transaction between banks using multiple blockchain applications has taken place, Commonwealth Bank of Australia and Wells Fargo & Co said on Monday, resulting in a shipment of cotton to China from the United States," according to Reuters ( 5). [20] Other uses for bank-backed blockchain projects would include secured global currency exchange rate speeds and increased transaction security, among other benefits, eventually allowing for an overhaul of the banking industry, replacing traditional back-office clearinghouses and other outdated mediums that exist between asset sellers and buyers. [21] This project is designed to be highly scalable, allowing for multiple entrants to easily integrate into the entire financial supply chain process through the secure blockchain, allowing for an unprecedented amount of transaction transparency. [21] "Financial industry is on the edge of a new era blockchain based financial systems. [46] "Think of how blockchain and distributed ledger technologies can bypass the traditional financial gatekeepers and cut out the middlemen, or how Artificial Intelligence can replace teams of employees performing securities trading, portfolio management, and scores of other largely manual tasks today." [46] Blockchain banks do not have the need to maintain branches as their services are mostly software-based and personnel needs are minimized to the level of management, analytical staff and a huge department of Blockchain software developers. [46] Small payments are no exception, and while it would have taken about three to four days at the most for a traditional bank to transfer a small amount overseas by having it go through various checks and sending the amount into a turnover for its own purposes, blockchain banks offer instantaneous transfers. [46] If we were to compare traditional banks with the newly established economy of cryptocurrencies and the blockchain banks servicing it and the regular fiat currency users, the differences will be striking. [46]

Taken together, these immutable and incorruptible blocks form a full record of a digital currency?s transaction history that cannot be disputed or changed without broad authorization from the entire blockchain network. [25] At the core of both technologies is the cryptographically secure digital ledger known as the blockchain. [21] Blockchain projects have the potential to reduce, and possibly eliminate, settlement times due to their digital nature, ensuring the timely and secure processing of these operations. [21] Blockchain is a decentralized, heavily encrypted, distributed ledger that enables the secure and transparent documentation of monetary transactions. [25]

CryptoPotato is a world leading source in news, analysis and information for investment on crypto currencies such as Bitcoin, Ethereum, and its underlying technology - the blockchain. [19] The platform talks about the various challenges faced by finance industry in regards to Blockchain and how we can overcome them. [19] By presenting credible potential resolutions of current-day issues, these projects represent large-scale efforts by the banking industry to fully embrace and integrate blockchain into their current infrastructures. [21] By eliminating the need to use an intermediary organization, blockchain increases the level of security for mobile banking. [20] Banking is one of the most visible and realized ways blockchain is being adopted. [20] The concerns about banking speeds and costs are also addressed by blockchain. [20] With the large back-office cost saving and transparency gains from a regulatory and audit perspective that blockchain can provide, it is imperative for their survival that existing companies understand the potential impact of blockchain on their activities. [25] Since 2013, beginning as the marketing lead in China for Blockchain.info, QJ has been involved and co-founded a number of crypto asset management companies, blockchain startups, open-source blockchain projects such as MakerDAO, community education initiatives, and charity programs with a focus of connecting China and the rest of the world. [47]

In the next four years, around 66% of the world's banks will deploy blockchain on a commercial scale. [20] When a new client enters into the ecosystem, a bank verifies the documents and uploads the data onto the blockchain. [46] Blockchain will be used by 15% of the world's largest banks in 2017 (2). [20] Da Hongfei is blockchain advisor to a handful of banks, brokers, and clearinghouses. [47]

Currently, Credits transaction speed is virtually unmatched in any of the proposed blockchain solutions. [46] When transactions are performed via blockchain, users don?t have to fear their mobile devices being hacked or stolen because even if a thief gains access they will not be able to manipulate the blockchain. [20] As such, the ability to be given a loan is rendered immediate and absolute, as the blockchain serves as an immutable registry of every user?s transaction history in full transparency. [46] The platform?s smart-contracts, standalone and automatically executable software algorithms, are designed to automate the performance of contractual obligations of participants in any transaction based on the blockchain. [46]

Those systems that won't start exploring blockchain for new decentralized services will be wiped out by their blockchain-based rivals," comments Credits CEO & Founder Igor Chugunov. [46] Ms. QJ (Qijun) Wang, founder and CEO of Queschain, is a serial entrepreneur in the blockchain industry. [47] Key opinion leader of the Chinese blockchain industry, serial entrepreneur, a Bachelor of Arts graduate capable of the coding virus with assembly language. [47]

Thomas is mainly interested in communication systems and networks, especially focusing on peer-to-peer, distributed systems, including Bitcoins and blockchains. [47] Currently, Marc is a Co-chair of the Blockchain IP Council, an initiative of the Chamber of Digital Commerce addressing intellectual Property issues in the blockchain ecosystem. [19] Michael Maloney is the Managing Director of Galaxy Digital Advisory group, which focuses on consulting and incubating early-stage blockchain projects. [19]

We focus on forming alliances with established businesses and regulatory institutions across various industries, as well as providing collaborative incubation for early stage blockchain projects. [20] He currently delivers courses on Blockchain Essentials as well as Blockchain for Lawyers. [19] Learn how to step up with Blockchain in the world of Cryptocurrencies. [19] Light Node Media is the one stop shop for all things blockchain, everything you need to know all in one place! When in NY be sure to check out the local networking meetups they host in NYC. [19] Besides, required compliance reports can be automatically generated from the data of the blockchain. [46] Because we dream of a world where blockchain is adopted by every field and sector, identifying these first steps will help raise its profile so it can spread to other areas of people?s lives. [20] The end of traditional banking as we know it has been beaconing on the horizon far before the advent of the blockchain. [46] To reduce the cost of implementing Blockchain technology and to standardize interbank operations, banks will prefer to use universal Blockchain platforms of the new generation. [46] Blockchain technology is being used in ways that have implications for central banking that span all the functions that we have." adds Carolyn Wilkins, Senior Deputy Governor of the Bank of Canada. [46] Banks should start exploring the implementation of blockchain technology for business improvement now until it's too late. [46]

The UTC specifically tackles the use of blockchain technologies by traditional banks, utilizing it as a tool for more efficient transactions. [21]

Credits blockchain platform allows a financial system to make direct payments without intermediaries, using the cryptocurrency Credits (CS) on more beneficial terms. [46]

Established six years ago, Financial IT is the venue where the FinTech community makes itself heard. [19] Zennon is a recognized thought leader on Fintech in Asia and a regular speaker at financial conferences globally including : Money 20/20, TradeTech, Sibos, SIFMA, Innovate Finance, Future of Fintech in Asia, APFIC and many others. [47] Fast-forward to today, and finance has changed a lot thanks to financial technology, referred to as FinTech in the industry. [25] Recent growth in the FinTech industry, specifically within the cryptocurrency sector, has given rise to a new method of capital funding. [25] Switzerland & China are leading countries in the Fintech industry. [47] He has testified in front of the U.S. Congress on matters of China Fintech and is regularly quoted in the press and television appearances including CNBC, Bloomberg, The Economist, Wall Street Journal, New York Times, Financial Times to name a few. [47] As shown in the latest PwC report on Global Fintech, the use of advanced methods, tools and technologies means new possibilities for detecting and analysing fraud. [25] Regulatory agencies in Australia, Singapore, and the United Kingdom have recently begun collaborating with the FinTech sector to discover how new technologies could help to solve national challenges, as well as how to enable future advances in the area. [25]

"By partnering with fintech startups, banks will give their account holders the right measure of security and speed. [46] Fintech startups have changed how financial services are structured, provided and consumed, but have not successfully established themselves as dominant players. [25] For those reasons, Fintech is undoubtedly one of the fastest-growing global business sectors. [25] Going forward, government agencies around the world will determine how to ensure consistency in the FinTech field?, and ?hopefully without preventing innovation. [25] Some are FinTech disruptors, posing a direct challenge to established institutions. [19]

As governments around the world quietly observe the growing impact of Blockchain-based technologies and look for ways to safely integrate them into their wider economies, new regulatory developments will create new boundaries for FinTech firms. [25]

According to the information provided by Accenture, 20 billion dollars can save the world banking industry by 2022 due to the integration of blockchain technology into operational activities. [46] The creation of a client identification system based on the distributed ledger technology that some of the blockchain platforms allow appears to be highly relevant. [46] IBM?s blockchain platform will run through the IBM Cloud, allowing for interconnectivity between all parties in a particular secure transaction. [21]

It?s important to realise the ROI before investing in Blockchain technology else it can prove to be upside down and cause a lot of unnecessary business investment. [19] Blockchain technology have certainly evolved from being used only in cryptocurrencies. [19] There had to come a time when the cumbersome system would undergo a revolution, and blockchain technology may well be that impetus. [46]

The risk and complications associated with denied payments also decrease when blockchain technologies are used. [20] Crypto banks offer unlimited transfer volumes on the basis of efficient and almost instantaneous blockchain technologies. [46] The advent of blockchain technologies was heralded by many as the death knell of traditional banking. [46] ObEN is an early adopter of Project PAI, a fully decentralized blockchain based network designed to give people trackable ownership and management rights to their PAI. Prior to ObEN, Nikhil cofounded technology companies OnGreen and Up and Running Software. [26] Among the member bodies, a number of regulators from Abu Dhabi, Hong Kong, Singapore and Bahrain are already working on blockchain endeavors involving cross-border payments, trade finance and a number of other applications for the decentralized technology. [28] "Touted as the defining technology of the next decade, blockchain is quickly moving beyond cryptocurrencies into many real-world applications that have tremendous value for the business world. [29] As we?ve begun to witness, blockchain will expand its capabilities as a secure, anonymous, and decentralized technology into several industries, including the growth of cryptocurrencies, as we push further into the 21st century.? [29] The company also holds interests in various activities, including purchasing and selling cryptocurrencies; providing accounting, audit, and verification services for blockchain based assets, such as cryptocurrencies; and developing TessPay, a payments ecosystem for component and sub-component supply chain settlements, and other blockchain solutions for telecommunications companies. [48] They recently created a new business unit that focuses on identifying and investing in unique blockchain projects and companies that are poised to disrupt the electronic payment industry. [48] At the end of 2015, Visa claimed that blockchain "is no longer a choice" and then in 2016 announced its Visa B2B Connect service, a business to business payments service developed in conjunction with blockchain startup Chain. [49] There are services that you?d hope the plumber should be a part of, like promoting the business, but does your local plumber or locksmith need a fully responsive mobile website with videos and slideshows? No. And the same goes for blockchain. [29] A near dozen financial regulators from countries around the world have collaborated to form a new network to help further the development of financial technologies like blockchain. [28] He has an extensive background in providing legal guidance on emerging payment systems, including online and mobile payments, digital currencies and distributed ledgers, like blockchain. [26]

DJ: People often ask what is the "killer application" that will cement blockchain as a foundational technology. [50] This is a piece designed to provide some "real world? perspective around the use of blockchain for those who might wish to make investments in the space, beyond the generally understood cryptocurrency application (bitcoin and all the others). [29] These innovative and creative solutions by APT overcome some of the major regulatory obstacles facing the cryptocurrency and blockchain companies and will have tremendous impact on the growth of the sector. [48]

Speed and ease of transaction between almost any parties are two of the main reasons cited for blockchain having such a dramatic effect on the payment processing industry. [49] Blockchain venture Akropolis is working on a technological platform designed to solve several of the deep-rooted issues plaguing the global pensions industry. [51] Coinbase, Blockchain and Coinify are all relatively well established crypto-companies that offer some sort of merchant app for use with cryptocurrencies. [49] It is for these reasons that established payment providers have not shied away from involving themselves in the world of blockchain and cryptocurrencies. [49] It stores your personal and payment data securely in the blockchain, so you never have to share it with anyone - not even Nuggets. [49]

The speed of transaction, negligible cost and decentralized auditability of blockchain remittance processes are some of the leading factors that are behind its increasing adoption rate. [52] The blockchain firm claims that the partnership will enable millions of Myanmar migrant workers living in Thailand to send money home instantly and securely at much lower transaction costs than traditional remittance methods. [52] Members will be able to shop around for the fund that fits their needs. The blockchain helps keep track of transactions. [51]

These market leaders are trying to use their huge networks and resources to keep up with the blockchain revolution and ensure they are not disrupted in the process. [49] We have written about the potential blockchain uses and adoption points in a recent viewpoint Corporate Banking Now Peeking Through the Blockchain Window, which covers some of this referenced article?s focal points in detail. [29] Myanmar, Thailand Banks Enable Blockchain Remittance for Migrant Workers You are using an outdated browser. [52] Merchant accounts companies that haven?t fully embraced the possibilities of blockchain and cryptocurrencies should be starting to worry, as smaller, startup rivals have emerged. [49] Kate Mitselmakher is the CEO, Founder & General Partner of Bloccelerate VC, a venture fund and an accelerator focused on emerging blockchain companies. [26]

Late last year, it announced that it had developed the capability to send money over a blockchain, supporting local currencies rather than working through a cryptocurrency. [49] Samburaj is the Editor for CCN, among the earliest and foremost publications covering blockchain, cryptocurrency and financial technology news. [28] For the financial technology sector, the year?s headlines were dominated by breathless blockchain hype, cryptocurrency bubble talk, and a never-ending barrage of initial coin offerings. [50] His practice includes advising on custody agreements for cryptocurrency portfolios and blockchain proof of concept regulatory issues. [30]

He chairs Goodwin's Digital Currency + Blockchain practice group. [30] Of the scalability, the elephant in the room during any discussion about the future of blockchain and cryptocurrencies. [49] The key takes from the responses included a focus on emerging financial technologies such as blockchain technology and the "regulation of securities and Initial Coin Offerings (ICOs)," the latter a radical new form of fundraising in recent years powered by cryptocurrencies. [28] Blockchain technology can enable individuals to store their personal data on the blockchain and use it to make simple e-commerce payments and other transactions, without sacrificing it to third parties. [49] The consumerization of healthcare will look more and more like the fintech world, drawing in fintech investors who understand the electronification of transactions, data aggregation, and embedded payments. [50] HENDERSON, NV / ACCESSWIRE / June 21, 2018 / There are both challenges and opportunities in the digital era of cryptocurrencies for both banks and fintech companies. [48] Here at Fintech Finance, we work with renowned executives in the industry to provide key decision-makers globally within leading financial services organizations with reliable and accurate intelligence on emerging trends and breakthrough technologies, helping them to make informed decisions. [49] At Fintech Finance, we produce monthly video episodes looking at range of topics within financial services, as well as a constant stream of news plus coverage from attending some of the most prominent events within the sector. [49]

Paul's legal and business experience spans many industries, including fintech, e-commerce, gig economy, SaaS, social media marketing, retail tech, financial services, manufacturing, medical and health devices and natural resources. [26]

FinTech companies need to capture ready-made customers and have access to core processing platforms while the FIs need the innovation to spur growth and protect being disintermediated from their franchise. [27] To help put things in perspectiveand get a read on what might come next in fintechXconomy caught up with David Jegen (pictured), a Boston-based partner with F-Prime Capital, who invests in early-stage enterprise IT and fintech companies. [50] To that end FIs are not only procuring FinTech solutions as they would a traditional vendor but, they are engaging directly with the ecosystem to provide residency, partnership, investment, or outright acquisition. [27] A number of these emerging solutions were showcased during the recent Empire FinTech Week events in NYC. This included an in-depth roundtable discussion sponsored by Nutanix that brought together FinTech providers and Financial Institutions (FIs) to explore the challenges in developing, integrating and rolling these solutions out to global markets. [27] Resoundingly the implications are that FIs and FinTech players are interdependent in ensuring these solutions are going to be seamlessly adopted by their mutual customers. [27] One area of development where most emerging fintech solutions are focusing their efforts is reaching the unbanked and the underbanked population of the world. [52]

His practice encompasses FinTechs at all stages of their development, from startup to IPO. He advises the Enterprise Ethereum Alliance and drafted the terms for the identity verification platform Civic in their USD33 million token sale. [30] This has led FinTech providers to advocate for completely utilizing public cloud with a simple API and data sharing agreement in some cases brokered by their cloud provider. [27] The three areas covered are fintech, supply chain management and media. [29] Partnerships between Financial Institutions and FinTech players are rapidly on the rise. [27] You may not have heard of the term Silicon Alley, but I am sure you are aware of the game-changing financial technology (FinTech) that is emanating from it. [27]

As mentioned earlier in reference to Peter Thiel?s assessment of Bitcoin?s progress, a key development step that blockchain technology and the decentralised payment applications that sit on top of it need to go through is improving user experience. [49] By partnering with the mid-tier challenger bank, Everex also intends to employ blockchain technology in eliminating high remittance fees, reduce money transfer time to under a minute and provide a clear audit trail of the entire transaction. [52] Thankfully, blockchain technology might offer a solution to solve the major issues concerning the pensions industry. [51] A leader in the blockchain space, Joe represented the State of Washington's first licensed bitcoin company, CoinMe, and first cryptocurrency POS solution for the cannabis industry. [26] Dax Hansen is widely known and "a big player" in the cryptocurrency and blockchain market who chairs the firm's blockchain and digital currency industry group. [30]

The remittance industry stands as one of the most disrupted industries by blockchain technology. [52] The company leverages its expertise and network to build and support blockchain technology companies. [48] Since the technology has already distinguished itself as a problem-solving tool for other sectors, blockchain technology could hold a solution for optimizing pension management. [51] He also has experience advising the government, having counseled 15 U.S. House Representatives and Senators on ways to integrate blockchain technology into government functions to reduce bureaucracy. [26] Sonali Giovino Perera has been involved in the crypto space for the last year and has been working full time with crypto and blockchain technology for the past 6 months. [26]

Working with blockchain startups like Axoni, large financial institutions like the DTCC and NEX TriOptima will launch the first large-scale deployments of blockchain technologies, re-platforming the mainframe systems that run hundreds of millions of trades onto new, blockchain-based databases. [50] Riot Blockchain, Inc. focuses on building, supporting, and operating blockchain technologies, primarily through its cryptocurrency mining operations and other developed businesses, as well as joint ventures, acquisitions, and targeted investments in the sector. [48] Joshua Klayman is a founding member of the firm's Blockchain + Smart Contracts group, chairs the Wall Street Blockchain Alliance's Legal Working Committee and is an up-and-coming star in the blockchain space. [30] Reuben Grinberg of Davis Polk & Wardwell LLP has been involved in the blockchain space since he was in law school, where he authored one of the first widely-cited academic legal papers on Bitcoin in 2011. [30]

Pegasus? Accelerator program deploys a team of highly skilled industry, marketing, legal and financial specialists that provide, though our consulting efforts, evaluation, management, resources and tools to affect the growth of the business and create and execute the Blockchain and Token programs. [37] The Pegasus Accelerator Program provides Blockchain and Token consulting and technology support services. [37] Blockchain application development has taken a steep rise in the recent past, considering the plethora of benefits that this technology offers. [32] Andhra Pradesh?s government is already proving its willingness to embrace blockchain as it has become the first state to introduce the technology in its government through two pilot projects. [35] You can find out more information about this technology in our article on how the blockchain works. [31] Pegasus is a full-service Blockchain, Technology and Token Accelerator that supports Regulatory Compliant Public Initial Blockchain Offerings (PIBCO). [37]

He has a strong technical understanding of blockchain and distributed ledger technologies and has recently been published on the use of DLT in financial record keeping systems. [53] She is both a legal and financial professional interested in Bitcoin, cryptocurrencies, the blockchain, and the budding legislation and regulation surrounding these new technologies. [53] Blockchain immutability also diminishes the possibility of errors and guarantees integrity of records for financial reporting and audits. [31] A blockchain records and validates each and every transaction and administers transactions in a way that no one can tamper with or delete them post-execution. [31] A blockchain tracks each and every verified transaction and records all actions taken by participants of the transaction so that regulators don?t need to confirm the authenticity of records. [31]

This product encompasses a set of blockchain audit technologies to bring review of cryptocurrency transactions to a new level. [31] For those religiously following the cryptocurrency sphere must have discovered the contribution of Blockchain in securing the transactions. [32]

Blockchain can revolutionize the current system of payments, by enabling higher security and lowering down the cost of processing payments, which can take place between organization-client or between banks. [32] ernity uses a blockchain to create scalable smart contracts that secure automated payments. [31] Cross-border payments platforms that are powered by Blockchain makes the payment network more efficient and less time consuming. [32]

This is the reason companies use blockchains as irrefutable proof of the transfer of any digital asset. [31] With blockchain, firms can also establish corporate identities while easily onboarding new employees. uPort has already created a digital identity management product addressing the needs not only of individual clients but also of enterprises. [31] Another benefit of the blockchain is that it eliminates the need for an intermediary to handle financial services like money transfers. [31] When it comes to blockchain, the financial services sector has more distributed ledger projects than any other industry. [38] Against this model, Blockchain is a distributed ledger, wherein data is decentralized, stored in blocks, and each block holds a timestamp (a cryptographic hash function). [32] The state has teamed up with India-based blockchain startup, Zebi Data, to secure over 100,000 land records. [35] Blockchain would make a tremendous difference in fostering secure transactions in the country, with Vizag hoping to spearhead the revolution. [35] As a member of the Adjunct Faculty in the Graduate Business School at George Washington University, he teaches courses on Corporate Governance & Securities, and International Business Transactions which include, among other things, crypto-currencies, ICOs and blockchain issues, AML/KYC, and OFAC and FCPA compliance, intellectual property on the Internet, and structure and compliance issues for international transactions. [53] Ornua and Barclays completed the world?s first blockchain trade transactions in 2016, spending four hours instead of a week on a letter of credit -- a document guaranteeing the export of $100,000 worth of agricultural products. [31] The blockchain can efficiently resolve this problem, streamline remittances, and save costs during cross-border transactions. [31] The blockchain ensures that only participants involved in a particular transaction know the details of this transaction. [31] On top of that, a blockchain allows regulators to review the original document of the actual transaction rather than manifold copies. [31]

Let?s consider the most promising use cases of the blockchain in the financial sector. [31] Beyond securing and streamlining financial processes, the blockchain can reform customer rewards systems. [31] Meet the most promising startups and innovators taking advantage of the disruptive power of how blockchain is reshaping financial markets. [36]

With blockchains, companies have access to a wide range of low-cost loyalty programs they can customize to meet the needs of distinct customer groups. [31] Using a blockchain, companies can enhance trade accuracy, speed up the settlement process, and reduce risks. [31] Some regulatory companies are already experimenting with blockchains. [31]

Once you can understand the potential of the blockchain and when and how to apply it, you can push your business way beyond your competitors. [31] Since all data is stored in one location, a blockchain can standardize reporting and accounting and revamp the way auditors extract and analyze information. [31] The blockchain can tackle this problem and provide a new way of credit scoring. [31] The transparency that blockchain provides would be well received in a country like India where over 80% of the working population operate within an informal economy. [35] There are many blockchain ecosystems, including Waves, Loyyal, and Qiibee, that provide advanced rewards solutions. [31]

Take an example of how Blockchain backed Ripple in making global payments, simpler. [32] With the rise of blockchain, consumers now have the opportunity to create a more secure, and digital, form of these drawers and cabinets. [54] In this way, the blockchain decreases the time and costs needed for auditing and accounting. [31] Disruptive technologies such as blockchain and the Internet of Things (IoT) will have a deep impact in the way we live and work. [35]

If the proficiency of Blockchain has to be highlighted, it lies in maintaining data integrity, saving data from tampering, and at the same time, ensuring that data is available to its users, all the time. [32] We are the first company to adopt the Public Initial Blockchain Offering or "PIBCO" standard as part of the candidate?s overall business strategy differentiating it from the current, unregulated ICOs that may not be compliant with jurisdictional securities laws. [37] As the somewhat smaller city of Vizag continues to build itself into a blockchain boss, it shows that tech innovation is not just for the bigger cities. [35] The blockchain spreads such changes across the entire network in real time so that participants stay informed constantly. [31] The blockchain gained international prominence via cryptocurrencies. [31] With Blockchain, independent verification can be enabled, wherein, a client verified by one organization can be accessed by other organization, ensuring that KYC don?t need to start over again. [32] Blockchain can help to reduce the cost and labour involved in KYC verification via cross-institution client verification. [32] Joshua is an active member of the cryptocurrency community here in the District and New York and currently assists the Government Blockchain Association through their Legal and Legislative branch. [53] With the hype around blockchain reaching fever pitch, it?s easy to dismiss the idea of blockchain-backed self-sovereign identity management as a concept largely aimed at benefiting consumers. [54] The blockchain can revolutionize the charity sector as well. [31] Ken Timsit, CEO of CONSENSYS France, shared his objectives with the EU Blockchain Observatory as a forum to look at possible use cases and barriers to be overcome to make the blockchain opportunity a reality. [34]

Our FinTech team leverage years of expertise in Corporate Law, Digital Payment Processing, Financial Institutions, Tax Compliance and Reporting Issues, Transaction Structuring, Data Security and Privacy, Intellectual Property and more. [53] Cogent partners with FinTech industry leaders, banks, governments, non-government organizations (NGOs), and countless other private innovative practices. [53] The Cogent Law Group Financial Technology (FinTech) Practice is a multi-disciplinary group of attorneys, legal and industry professionals providing market-leading financial regulatory, technology and transactional experience to clients worldwide. [53]

Contrary to what many of us originally thought would unfold, there is no evidence to suggest fintech is improving financial inclusion and participation in the global economy, or reducing financing gaps among SMEs. [33] Our own Fabian Vandenreydt applauded the increasing collaboration between Fintechs and financial institutions, "as they acknowledge Fintechs help them enrich their offerings with new functionality for specific user segments and business domains". [34] Pegasus Fintech is an invaluable extension of our team helping us navigate the evolving regulatory landscape and accelerate our business globally. [37]

How can fintech companies generate trust and encourage consumers to sign-up? I believe empowering consumers to manage their own data could be the answer. [54] Cogent has direct connections to regulatory environments in foreign jurisdictions that are friendly to FinTech companies, including businesses working with, transacting in, or developing cryptocurrency. [53] She has experience in advising FinTech companies on regulatory issues involving state money transmitter laws and FinCen requirements. [53]

Adella is the Director of our FinTech Practice and has more than a decade of experience in financial services and digital currencies. [53] Fintech innovation at Rabobank is making itself felt in fields outside of financial services. [38] Registration is open for the ultimate fintech festival with two days of innovation, collaboration, live tech demos, music & craft. [54] The panel also discussed the positioning of Europe in terms of fintech innovation and put forward the importance of collaboration between fintech hubs in Europe to strengthen the innovation and financing landscapes. [34]

People could still relate to its potential and use cases in fintech world, for being introduced through a digital currency. [32] Cogent Law Group is a one-stop shop for any and all FinTech matters providing full-scale support from corporate formation, fund formation, funding, initial coin offerings (ICOs), and initial public offerings (IPOs), to regulatory compliance, AML/KYC, smart contracts, cyber security and privacy, finance, and capital markets. [53] ADB?s 2017 Trade Finance Gaps, Growth and Jobs Survey bears this out: there is no evidence to support the idea that fintech is reducing gaps. [33]

I was wrong to think that financial technology (fintech) would automatically reduce financing gaps. [33]

Colendi, Bloom, and Enigma are services offering decentralized credit scoring for FinTech companies and allowing consumers to leverage global credibility identity. [31]

Blockchain's future in banking is bright, but right now, the industry is not prepared to take advantage of what the technology offers, according. [38] "The government will explore the use of blockchain technology proactively for ushering in the digital economy." [35] Even though government?s attitude towards cryptocurrencies is lukewarm at best, this unenthusiastic feeling definitely doesn?t extend to blockchain technology. [35] Telangana, Karnataka, Maharashtra, and Kerala are also looking into using blockchain technology to streamline processes and to promote efficiency and transparency in their governments. [35]

PwC, one of the Big Four accounting companies, has announced a blockchain validation solution to control risks in the blockchain space. [31] Fabian then shared B-Hive's credentials and on-going projects in the Blockchain space (e.g. KYC), highlighting the importance of looking at business models and market structure alongside technological merits. [34]

RANKED SELECTED SOURCES(54 source documents arranged by frequency of occurrence in the above report)

1. (32) Blockchain Technology for Fintech, Supply Chain Management and Media

2. (32) Blockchain Technology for FinTech: 6 Striking Use Cases

3. (24) Who Is Going to Win? Banks or New Blockchain Based Fintech | NewsBTC

4. (24) Disrupting the Disruptor: 6 Exciting Blockchain Fintech Startups - Invest In Blockchain

5. (18) Blockchain gains traction in FinTech as payment networks emerge | Computerworld

6. (17) Mobile Banking: a Breakthrough Blockchain and Fintech Development Infinity Blockchain Labs

7. (16) As Blockchain Finds A Foothold Traditional Fintech Plants The Flag

8. (16)

9. (15) How Blockchain Technology is Fuelling the Growth of FinTech

10. (13) Bank fintech investment will focus on blockchain and AI | American Banker

11. (13) How is Blockchain Disrupting the Fintech Landscape

12. (13) Blockchain And Cryptocurrency Effects On The Payment Processing Industry | Fintech Finance

13. (13) The Difference Between Blockchain and Fintech - Digital Business

14. (12) Pioneers.io - Blog

15. (12) How to turn blockchain fintech hype into reality

16. (11) Bank-based blockchain projects are going to transform the financial services industry TechCrunch

17. (11) Fintech means Blockchain? Is there anything else? | Cointelegraph

18. (11) Blockchain Technology is Causing a Paradigm in Fintech and Payment Processing

19. (11) Cogent Law Group LLP

20. (11) How Blockchain is Solving Problems in Fintech | Fueled

21. (10) 2018 Innovation and Technology Law Symposium : Seattle University School of Law : Seattle, Washington

22. (10) FinTech and Blockchain: Where Silicon Alley meets Hyperconverged Infrastructure | Nutanix

23. (10) FinTech Valley - Vizag Aims to be India?s Blockchain Hub - Bitcoinist.com

24. (10) Gibraltar Introduces License for Fintech Firms Using Blockchain

25. (9) The Fintech and Blockchain policy developments and next steps -- BHIVE

26. (8) Blockchain Technology for Fintech, Supply Chain Management and Media

27. (8) Global-wide - Legal: Blockchain & Cryptocurrencies Advisers - Professional Advisers: FinTech - Chambers and Partners

28. (8) Blockchain in Fintech "Future of money" series Shanghai | swissnex China

29. (7) Fintech in 2018: Top 3 Consumer Blockchain Startups to Watch | TechBullion

30. (7) New Class of Bank for Blockchain and FinTech Planned by Bermuda - Cryptovest

31. (7) The Fintech Files - Who wants to regulate blockchain? - Financial News

32. (7) Forbes "Fintech 50 For 2018? List Includes 11 Blockchain & Crypto Companies

33. (6) FinTech Blockchain Market 2018 Global Analysis, Opportunities And Forecast To 2026 - MarketWatch

34. (6) Home - Pegasus FintechPegasus Fintech

35. (6) Small Fintech Company Has Potentially Groundbreaking Plans for Blockchain Technology

36. (6) Myanmar, Thailand Banks Enable Blockchain Remittance for Migrant Workers

37. (5) New and Innovative Fintech Solutions - Blockchain - Fern Software

38. (5) Spring Labs raises $14.75 million for blockchain-based fintech identity business | VentureBeat

39. (5) 11 Financial Regulators Launch "Global Sandbox? for Blockchain, FinTech Push

40. (5) How Blockchain can be profitable for Fintech - Video | Investopedia

41. (5) South Korean Financial Watchdog Touts Blockchain in Fintech Plans - CoinDesk

42. (5) Xconomy: Fintech in 2018: Blockchain Apps, A.I. Interfaces, Crypto Rules

43. (4) Blockchain | Bank Innovation | Bank Innovation

44. (4) FinTech & Blockchain Solutions | Intellectsoft US

45. (4) Why There Could Be Greater Inclusion for FinTech with Help from the Blockchain | Inc.com

46. (4) Fintech Looks To Blockchain To Stem The Global Pension Meltdown | Benzinga

47. (4) The role of blockchain in the Open Banking era ? - FinTech Weekly

48. (3) Blockchain and Fintech Services - Winjit

49. (2) Full-time and Corporate (Part-time) Faculty for Blockchain and FinTech Faculty | Harrisburg University

50. (2) The Blockchain in Fintech Summit | FinovateFall

51. (2) Regulators Plan Global Sandbox for Fintech Including Blockchain - CoinDesk

52. (1) An Evening of Blockchain and Fintech | Meetup

53. (1) FINTECH AND BLOCKCHAIN - FisherBroyles

54. (1) Blockchain will transform the financial services, fintech execs say

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