Technology continues to progress at breakneck speed. At the same time, regulations imposed by national and supra-national bodies are introduced very slowly. This leads to a lag in which technology can impact without there being ample regulatory safeguards in place. We see this across industry, with questions asked on an ever-increasing frequency: Are laws around […]
The Canadian financial services industry is at the threshold of change. Regulatory overhaul, the ubiquity of online services, and technological innovation and disruption will affect all players—from banks to FinTech start-ups. Open banking will introduce new opportunities and business models for the financial services industry and new services from FinTech entrants to the market—but these […]
Hydrogen, a New York-based fintech specializing in blockchain, banking and investing, released a report on the rise of Banking as a Service (BaaS), deriving some interesting conclusions for the way fintechs and financial institutions use APIs to build on infrastructure and differentiate offerings. “[A]s the ‘Banks vs. Fintechs’ mentality has morphed into ‘Banks with Fintechs’ […]
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