Canada’s Financial Inclusion Opportunity

For the one million unbanked Canadians, and the many more who are underbanked, the COVID-19 crisis is compounding financial hardships to dangerous levels. Those Canadians are the ones who have been marginalized by financial institutions and the fintech ecosystem. In an article that I wrote last year, I showed that less than 2% of fintechs and pretty much... Continue Reading →

It’s Time for Collaborative Finance

Saving Circles can smooth unsteady incomes hit by COVID-19. COVID-19 government relief packages aim to lessen the burden on the many who will lose their jobs or suffer income reductions. Will these measures be enough given the protracted situation? For many, probably not. People can adopt an age-old communal money-saving practice to help smooth their... Continue Reading →

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