Weekly Research Highlights – 25 January 2022

For this week’s research article, we dive into new insights on fintech market, banking, insurance, payments, trends, diversity in fintech and more. Happy reading!

Freshfields Fintech: predictions for 2022 – #2 Fintech Regulation (Legoloxy)
As 2022 rolls in, it often feels like the only sensible thing to predict is unpredictability. However, encouraged by some of our accurate predictions for 2021, the Freshfields Fintech team has again decided to crowdsource its expectations for the year ahead. This post focuses on how regulation will shape the fintech sector – check out our separate posts on fintech sector growth and crypto developments. Read more.

Crowdfunding in the Netherlands 2021 (Crowdfundingcijfers)
In 2021, 730 million euros was raised through crowdfunding in the Netherlands. That is 75% more than in 2020, when 417 million euros were raised. In 2021, crowdfunding caught up after corona for the first time raised less than a year earlier. In 2021, companies raised more than 655 million euros through crowdfunding. That is almost 80% more than in 2020, when companies raised 368 million euros. In 2021, companies raised an average of 250,000 euros. For creative projects, such as film, music and theatre, the total amount raised has increased by 10% to 12.7 million euros. The average amount per creative project was 14,000 euros. For social projects, such as a playground or school project, the total amount raised has increased by almost 30% to 30.9 million euros. The average amount per social project was 3,000 euros. Consumers who financed a personal loan through crowdfunding for, for example, purchasing a car or expanding their house, raised a total of 30.2 million euros. Read more.

Canada’s Hottest FinTech Lending Trends for 2022 Revealed in Latest Research (Cision)
According to Smarter Loans’ Canada FinTech Lending Study 2022, which gathered the feedback of 2,462 Canadian fintech lending customers, the demand for digitally accessible financial products in Canada continues to grow at a fast pace. The 4th annual research study by Smarter Loans, published on January 25, 2022, reveals growth and maturation in the FinTech lending sector. Read more.

FinTech in Insurance Market May See Big Move | Oscar Health, PolicyBazaar, Lemonade, Singlife (Digital Journal)
The Latest Released FinTech in Insurance market study has evaluated the future growth potential of Global FinTech in Insurance market and provides information and useful stats on market structure and size. The report is intended to provide market intelligence and strategic insights to help decision makers take sound investment decisions and identify potential gaps and growth opportunities. Additionally, the report also identifies and analyses changing dynamics, emerging trends along with essential drivers, challenges, opportunities and restraints in FinTech in Insurance market. The study includes market share analysis and profiles of players such as Paytm, OneConnnect, Clover Health, Oscar Health, PolicyBazaar, Lemonade, Singlife, Metromile, Collective Health, ZhongAn, Acko General Insurance, Bowtie Life Insurance, Masii, Moonshot-Internet, Next Insurance, Oko Finance, Omni:us, OneDegree, PolicyPal. Read more.

Digitalisation and the future of banking (Voxeu)
New technologies are changing how banks produce and provide financial services. These changes have implications for traditional banks, creating novel sources of systemic risk which could in turn pose regulatory and policy challenges. This column introduces a new report by the Advisory Scientific Committee of the European Systemic Risk Board that discusses the impact that digitalisation may have on the structure of the European banking system. Based on three scenarios for the future development of European banking, the authors derive an array of macroprudential policy recommendations. Read more.

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