FinTech Collective is a venture capital firm that partners with founders to reshape markets and build exceptional companies. They provide strategic and operational support to their portfolio companies in the fintech industry.

FinTech Collective

FinTech Collective is a global, early stage venture capital firm backing entrepreneurs who are rewiring the way money moves through the world. Founded in 2012 with offices in New York City and London, the firm has deep experience investing across capital markets, wealth and asset management, banking, lending, payments, insurance, and DeFi. The managing partners of FinTech Collective met in their mid 20’s and helped build, scale, and successfully exit four fintech businesses. 

Backed by some of the world’s leading institutional investors, FinTech Collective manages over $800m in regulatory assets. Over the last decade the firm has had 10 exits, taken one company from pitch deck to public markets and invested in 96 portfolio companies including well known firms such as Anyfin in Stockholm, Flutterwave in Lagos, IMMO in London, Minu in Mexico City, Mondu in Berlin, Simetrik in Columbia, and several important businesses in NYC including MoneyLion, NYDIG, Ocrolus, Quovo (acquired by Plaid) and Vestwell.

The firm publishes a weekly newsletter, delivered every Saturday, which provides a tightly edited rundown of global fintech news, along with a bit of original analysis (available at fintech.io/newsletter).

TradeBlock

Getslide

Dharma Labs

MoneyLion

Bottlepay

Artivest

NextCapital

Openfolio

Oyster

Quovo

Reonomy

Reorg

The upward swing of central bank interest rates across the globe has had different degrees of implications throughout housing markets. Amidst this global trend, specific nuances within regional markets have emerged in the international mortgage scene. Even within regions of a single currency area such as Europe, borrower preferences and the products lenders offer diverge dramatically.

In this evolving macroeconomic landscape, borrowers in particular are on the hunt for solutions aimed at easing mortgage monthly payments and enabling accessibility to the housing market. Each regional market, with its unique mortgage dynamics, might just be a canvas for disruptive fintech solutions.

Featured Companies: Anyfin, Mondu, qlub, CapIntel, Coincover, Ocrolus
https://bit.ly/3rRVBGh
#fintech #fintechnews

As FinTech Collective continues its expansion, we are thrilled to announce the opening of our European headquarters in central London and the unveiling of our newest Partner, Toby Triebel. Toby is incredibly accomplished, having spent a decade in financial markets and corporate finance and a decade as a successful fintech entrepreneur and operator. 

Danny Lopez, CEO Glasswall, Innovate Finance board member, former British Consul General to NY, and special advisor to FTC sat down with Toby to learn more about his outlook for entrepreneurship, why he’s continuing to bet on fintech in Europe, and why he views FinTech Collective – whose roots in the European start-up ecosystem go back 25 years – as the ideal platform to join. Read more below and we look forward to the team building on our existing portfolio: Anyfin, Centrifuge, IMMO, Mondu, Violet, Willa!

#fintech #london #venturecapital

If you are one of our readers, odds are you have a credit or debit card. For our U.S. readers, there’s a roughly one-in-two chance that the card is issued by Visa, the world’s largest major payment network. Visa is a financial behemoth working behind the scenes of trillions of dollars in annual transaction spend by connecting customers, issuers, acquirers, and merchants – and their network just announced a watershed moment for stablecoins and blockchain technology. Visa recently announced it would facilitate transactions involving acquirer’s Worldpay and Nuvei via Circle’s USDC stablecoin on Solana blockchain.

While Visa the payment director picks up their need for speed, we can’t help but wish their counterparts in the film industry would reconcile their differences and do the same. Who doesn’t want to be stuck watching reruns?

Featured Companies: Ocrolus, Vestwell, Flutterwave, Coincover
https://bit.ly/3rxaqOm
#fintech #fintechnews

Very excited to publish this piece along with Picus Capital!

How many times have you gone on a shopping spree with the only concerns being your upcoming credit card bill and your strategies to rationalize the need for a replacement VanMoof (thanks to a perfectly functional e-bike but completely bankrupt company)? Now the implications of your questionable choice of bike brand – and other shopping patterns – are much further reaching.

Advancements in the algorithms being fed into credit decisioning engines have, in some cases, led to increased consumer surveillance and the inclusion of behavioral spending data. As a result, many activities that we would never imagine would affect our credit histories are now becoming the primary reason for denials of new lines or lowering existing lines of credit.

However, the CFPB is striking back. Now creditors using the aforementioned inputs must disclose specific reasons for any adverse decisioning outcomes. 

Featured Companies: Ocrolus, Mondu, IMMO, MoneyLion
https://bit.ly/3ri7cyl
#fintech #fintechnews

Earnings calls: that quarterly fiesta where CEOs ride a rollercoaster of ego boosts and heart palpitations. On these calls, CEOs might bask in the glow of an analyst's praise or engage in the delicate dance of divulging details without revealing too much. A recent study, “Executives vs. Chatbots,” highlights the razor's edge between "telling it all" and "giving just a hint." This study introduces the innovative concept of "Human-AI Differences (HAID)", illuminating how CEO-driven revelations can either bolster or batter stock liquidity and shape analysts' predictions.

In our digital age, where algorithms could very well outnumber human ears on earnings calls, the choice of words transcends style—it's a matter of corporate survival. Perhaps the lesson for companies is this: if earnings take a downturn, let ChatGPT handle your call, but if they soar, take the mic yourself. Yet, the age-old question remains: can algorithms genuinely lead the stock market dance, or will the timeless rhythm of human intuition always steal the show?

Featured Companies: Flutterwave, Vestwell, OXIO, Mauve
https://bit.ly/44PJLtS
#fintech #fintechnews

This week, a number of headlines have pointed to institutional adoption of blockchain applications, including the London Stock Exchange Group drawing up plans for a new digital markets business. While this business is not related to cryptocurrency assets, it looks to use blockchain technology to improve the efficiency of trading existing asset classes on the platform. If successful, LSEG would be the first major stock exchange to adopt fully blockchain enabled transactions.

According to the European securities regulator, $800m of traditional assets have already been tokenized so far, and studies from BNY Mellon have reported 97% of institutional investors believe that tokenization will transform asset management broadly. Incremental projects and experimentation to implement blockchain technology are making steady progress as regulators also move forward in policy making. That said, after last night's opener at the Rugby World Cup, blockchain experimentation in the rugby playing world might be a little distracted for a few weeks!

Featured Companies: CapIntel, Sigma360, Fondeadora, OpenSea, Antler, Underline
https://bit.ly/3PuHwaX
#fintech #fintechnews

In an era where the touch of a button can summon products from half a world away, the complexities behind the seamless movement of goods often go unnoticed. Logistics companies are trying to become more efficient as they help retailers and manufacturers move large volumes of shipments by aircraft, trucks, trains and containerships around the globe. In these efforts, executives stated that they are exploring potential uses of generative AI to improve their cost structure and become more efficient.

As international logistic players welcome this AI dawn, it's amusing to think: in a world where different language models converge, will they be the unsung heroes streamlining our global endeavors, or will we end up playing a cosmic game of "telephone" across continents?

Featured Companies: Octane®, Extend
https://bit.ly/44FkWAw
#fintech #fintechnews

India has harnessed the power of artificial intelligence (AI) to extend digital payments to its rural areas, addressing challenges posed by limited internet access and lower literacy rates. The Reserve Bank of India's new "conversational" payments initiative, utilizing AI-based speech recognition, enables Universal Payments Interface (UPI) users to conduct transactions through voice commands. And while these advancements promise convenience, they also raise concerns about potential risks. 

The rapid evolution of AI technology has brought about innovative solutions and new avenues for fraud. AI-driven deepfake scams are on the rise, exploiting cutting-edge techniques to deceive consumers.

The intersection of AI-powered voice-activated payments and deepfake scams highlights a concerning connection. While India's innovative UPI system broadens access to digital transactions, it could inadvertently facilitate the rise of deepfake-based fraud. As AI technology evolves, fraudsters gain the ability to exploit voice synthesis techniques, making it crucial for financial institutions to enhance their defense strategies. It's like a high-stakes game of 'Who Can Mimic Better?’.

Featured Companies: IMMO, Flutterwave, Anyfin, Vestwell
https://bit.ly/44nViAo
#fintech #fintechnews

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FinTech Collective