Canada’s Financial Data Access Conundrum

It became apparent to me lately that there is confusion about how personal financial data are accessed by fintech startups. As users are indifferently signing up for digital financial services, startups are glossing over data access mechanics and associated risks, and banks are hiding behind their legal clauses. What am I talking about here? Let... Continue Reading →

Canadian Fintech has a Financial Inclusion Problem

Gary Newman works with youth with a history of conflict with the law (like ex-gang members) to help them build solid financial foundations. He believes that sound financial skills can profoundly transform the youth's lives and keep them away from their past troubles. I met Gary almost 2 years ago; we recently caught up discuss his work and... Continue Reading →

Get the Basics Right: My Experiences in Enterprise-Startup Partnerships

I'm a believer of unlocking innovation by encouraging large enterprises and early-stage startups to co-create new products and services. However, it's bedeviling to get these partnerships to work smoothly. I have personally gone through winding experiences of co-creation with two large enterprises, a multinational FMCG and an infrastructure giant, they both shall remain anonymous. I... Continue Reading →

A Look at Canadian Bank-Startup Relationships

The Big 5 Canadian banks have a testy relationship with startups despite their activity in supporting AI research, partnering with accelerators, and lending to tech companies. As major institutions, they should be playing a supportive role in supercharging innovation by investing in, buying services from, and striking partnerships with startups. But overall, the opposite has... Continue Reading →

Field Report: 2nd Annual Blockchain Conference – Toronto

Last week, I attended the 2nd Annual Blockchain Conference in Toronto. Given recent cryptocurrency turmoils, I was hoping for an even-keeled event, but the name of the game was hype. Statements like "...everything will be tokenized...", "...blockchain will help solve child labour" or "...will eliminate inequality" were thrown around. To borrow terminology from Gartner's Hype Cycle I... Continue Reading →

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