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This blog was co-authored by Rahul Lalwani, Senior Consultant and Saadat Sabur, Consultant at Capco, with input from Mohsin Khan, Principal Consultant and Capco's Islamic Finance Capability Lead. Buy Now Pay Later programmes have seen tremendous growth globally. Despite growing concerns about stoking consumer debt, BNPL services fulfil a major con...
12 April 2021 /retail Digital Banking Trends
Staking is an important element of the current stage of blockchain development. The staked coins are delegated to a node, which takes part in the governance of a Proof of Stake (PoS) blockchain network. In exchange for offering their assets to be used in ensuring functionality of the blockchain network, the owners of staked coins are rewarded with...
09 April 2021
In case you didn’t notice. Bitcoin is having a resurgence. At the time of writing, its value has surpassed USD$57,000. Citi Bank has projected the digital currency could reach as high as $318,000 by the end of 2021. While analysts are still trying to pin down the true causes of Bitcoin’s bounce-back within supply and demand, it appears financial i
09 April 2021 /crypto /predictions Cryptocurrency Insights
The small-medium business (SMB) lending space is hard. For most credit unions, regional and community banks, small business lending represents high risk for low margins, even though it is in their DNA to grow their communities. No two small businesses are the same – all have different data variables such as operational models, firmagraphics, busin...
08 April 2021 /wholesale /covid-19 Small Business Lending Innovation
The positive noises coming from traditional finance circles are becoming less convincing with each passing week that their stranglehold on the finance world loosens. Not only are the key players at the likes of Barclays Bank, Virgin Money, TSB, and RBS losing the battle for the hearts, minds, and trust of millennial and generation Z clients, but it...
08 April 2021 /retail /predictions Banking Strategy, Digital and Transformation
GDPR fines shot up in 2020 as regulators start to crack down further, but it’s proving to be complicated for both regulators and the regulated. The arrival of GDPR felt like a storm brewing for many organisations. Some companies feared they would be forced to rethink their entire operating models. That hasn’t happened, but the regulations have st...
08 April 2021 /regulation
According to Bain Capital Ventures, Banking-as-a-Service (BaaS) is set to become a US$3.6 trillion industry by 2030. There are recent signs of serious BaaS momentum. Leading banks including BBVA and JPMorgan Chase have already ramped-up significant investment in to the unique API-type model, and Goldman Sachs has announced its own new BaaS portal
At the end of March, the Indian Government introduced new cryptocurrency rules for companies in the country. It mandated that, starting from April 1st, all Indian firms that deal with crypto must report all their cryptocurrency transactions and holdings when they submit financial information for taxation. As the Minister of State for Finance and C...
07 April 2021
It’s a common observation that change is constant and accelerating, and this is certainly true in the regulatory space, and amplified by the disruptions of Covid and Brexit. Significant new regulations (e.g. MiFIR, FinIA, FinSA, AIFMD, and MiFID to name just a few) flow alongside ongoing adjustments, clarifications, and enforcements and add up to ...
05 April 2021 /regulation /crime
Sterling kicked off the first quarter of 2021 on a negative note. Even though it marked the first time in 48 years that Britain was going to trade outside the European Union, warnings of tighter lockdown measures outweighed the Brexit deal. The GBP/USD trading pair fell by 1.85% throughout the week of January 1st to hit a low of $1.3450 ten days l...
02 April 2021
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