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Weekly Analysis and Opinion Highlights – 12 April 2021


What are the latest voices of Fintech experts this week? Keep reading ahead to discover analysis and opinions regarding the fintech lending industry, blockchain’s pros and cons, insider trading, data’s reliability, biases in machine learning, empathetic relationships between banking and consumers. Enjoy the reading materials!

Fintech Lenders Will Come Roaring Back As Economy Re-Opens (The Financial Brand)

Steve Cocheom, Executive Editor at the Financial Brand, revealed that after a rough three quarters in 2020 due to the pandemic, the fintech lending industry began a broad comeback in the final quarter and could jump by 20% or more over the new few years. Particularly, personal loan fintech lenders are projected to rise by 51%, to $47.9 billion in originations annually. Small- and medium-sized business fintech lenders are expected to rise by 16.1% to $15.8 billion. Read more

What is blockchain and what can it do? (World Economic Forum)

Sean Fleming, Senior Writer of Formative Content, explains the concept of blockchain and how it can be used in the financial world. Despite the advantages of blockchain, such as transparency, security and convenience, there are still many barriers to its widespread adoption, including trust and regulation. Read more 

Concerns over insider trading mount (

Leanna Reeves, writer at, dives into the opinion of Mohammed Rharrabti, Senior Business Analyst at Natixis, regarding the issues and challenges for insider trading: “Insider trading must be tackled by regulators to provide a fairer market for small shareholders, particularly since the pandemic caused record levels of retail trading accounts. You can go to a forum and see many people exchange about their trade and shares. If you’re a small shareholder, you will have the opportunity to see all the moves […].” Read more

Lenders: Do you trust your data sources? (Finextra)

Nick Green, Director at Purple Patch Broking, explores how to gain high-quality data for credit risk programs, like AML, without it taking an abundance of your time to achieve a reliable data set. The trick lies in finding not only the data you think is right, packaged as an engaging visualisation, but also the data that is right, and why. You can do this by identifying the root cause behind what happened, and be the first to discover the drivers that move the needle for your organisation before the competition beats you to it. Read more

Data-driven design thinking helps banks drive revenue (Fintech Futures)

Mario Ciabarra, CEO at Quantum Metric, suggests that banks and other financial institutions can engage in data-driven product design thinking to understand how different client segments interact with each digital channel, especially desktop websites and native mobile apps. To accomplish the challenge of addressing the needs of each unique user, banks and financial institutions should engage in data-driven design thinking, which focuses on how organizations can optimize specific elements of the user experience to drive conversion rates and revenue. Read more

How To Handle Bias In Machine Learning? (DataFloq)

Vatsal Ghiya, writer at DataFloq, presents two major types of biases that people have for machine learning: cognitive biases and biases that rise due to lack of data. To completely eliminate all instances of biases, we need to work on an ongoing basis to decrease human biases, starting from our thought processes. What we could do is come up with various validations and tests to test results and bring in protocols and best practices when training AI models. Read more 

Why Empathetic Banking Will Define Success In The Post-COVID World (Forbes)

Alan Mclntyre, writer at Forbes, highlights the need for bankers to put themselves in their customers’ shoes and create empathetic relationships. This can be done by incorporating advanced technologies, including voice recognition, speech analytics, and text analytics coupled with copious amounts of search data to provide nuanced insight into feelings of consumers. That insight can be the basis for acting in an empathetic manner and building truly trusted advisory relationships. Read more

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