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Archive for Category: Fintech

Dec 13, 2016

The Value of Predictability Combined with Growth

Fintech, In the News, Uncategorized 0 Comments

Most everyone understands that, all other things being equal, a business growing faster than another should be worth more. Similarly, all things being equal, a business that has more predictable revenue streams should be worth more than one that is less so. These are precisely the reasons why, in the tech world, so many businesses with highly recurring revenue models are valued at a premium to others that have similar top line growth rates (especially firms that rely primarily on one-time sales of software or services). In fact, in recent times in our m&a world, it’s become about more than…

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Dec 5, 2016

Why data & analytics failed the pollsters. Our November 2016 Enterprise Data & Analytics Update

Enterprise Data, Fintech, Newsletter, Uncategorized 0 Comments

Please find our November 2016 Enterprise Data & Analytics Update, here. Enterprise data & analytics is having a significant impact on every industry, helping companies make better business decisions. It has grown from its roots with power-data users in the financial markets and marketing functions to proliferating across all industries, with the latest technologies enabling businesses to predict future outcomes. We’re even seeing data & analytics play an important role in the public sector, most notably in the recent presidential election. However, advanced analytics, specifically statistical models used to predict future outcomes, has its limitations and flaws. In the presidential election, polls…

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Nov 17, 2016

CFPB’s Future & Impact on Alternative Credit Scoring

Fintech, In the News, Trends, Uncategorized 0 Comments

There are more than 50 million Americans without a traditional credit score and 80 million unbanked and under-banked individuals in the United States. These individuals, more often than not, do not have access to traditional credit products. We recently attended the Money2020 conference in Las Vegas, where the Consumer Financial Protection Bureau released a report encouraging the use of non-traditional information and methods to enable better credit scoring and analysis for this large group. We applaud their efforts.   The CFPB launched Project Catalyst in 2012 to promote consumer-friendly innovation. Since its creation, the agency has collaborated with several FinTech…

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Nov 9, 2016

Fintech after the election: Our November 2016 Fintech Market Update

Fintech, Market Update, Newsletter, Uncategorized 0 Comments

Our November 2016 Fintech Market Report is our latest update on the m&a values and trends in the dozen+ sectors of the financial technology industry that we follow and sometimes lead. Read more here. We’re issuing this market update the day before the election for the US President. It is an interesting time. Recently someone asked me if I am concerned about the impact of this election on fintech m&a. My answer has two parts: First, I’m worried about a lot more than fintech m&a. The next leader of the free world will face daunting challenges. The second element I’m…

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Nov 1, 2016

Zcash – friend or foe?

Fintech, In the News, Uncategorized 0 Comments

ZCash is a new virtual currency that the NYTimes wrote about, here, yesterday. Like Bitcoin, Litecoin, Peercoin and most others, it will facilitate fast, low cost anonymous electronic transfers of money. But unlike most others there is no public ledger that can be used to trace transactions – ZCash is designed to be confirmable as authentic but not traceable. The backers would have us believe this is all about privacy concerns; I have a bridge to sell to anyone who honestly believes that the bulk of users will be law-abiding citizens. Regardless of intent, ZCash will mostly be used by…

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