Weekly Analysis And Opinion Highlights – 5 December 2022

And we’re kicking off the week with new analysis and opinions on the crypto, ESG framework, open banking, and more. Dive into the latest fintech insights and have a great start of the week! 

How the economic climate is impacting alternative finance (Fintech Magazine)
The economic climate is having a huge impact on the alternative finance space. Fintech Magazine spoke with Rob Straathof, CEO of Liberis, Jurijs Borovojs, CTO of Transact365, and Jeff Drinkwater, Senior Director of Sales, Private Capital at Intertrust Group. As the global recession deepens, it’s not only customers that are feeling the pinch. The financial services and banking world has been hit hard too, experiencing a drop in investment, loss of capital, and taking steps to put on hold new projects that are needed to scale and modernise legacy systems. Read more

Why Do Crypto Lenders Keep Blowing Up? (Coin Desk)
What is happening with crypto lenders? The bear market has strained every corner of the crypto industry, but perhaps none more than businesses involved in crypto lending.Crypto lending is the process of linking people who have excess crypto and want to earn yield on their money by depositing it on a platform, which lends those funds out to people who want to borrow crypto and are willing to leave collateral and pay interest to take out a loan. Liquidity issues at BlockFi, Genesis, Celsius and other lending firms have tarnished this once-promising growth sector. But not all crypto lenders are created equal. Read more

Debt funds, Luxembourg SPVs, and the regulation of lending activities (LEXOLOGY)
The role of debt funds in the global debt market has been steadily increasing since the financial crisis in 2008. According to the ALFI Private debt fund survey 2022, in the Grand Duchy of Luxembourg total assets under management of debt funds reached EUR 267.8 billion by November 2022, following a 45.4% year-on-year increase. After having initially emerged as debt-participants purchasing the debt on the secondary market, the debt funds’ role as debt-originators has noticeably increased in recent years. The activity has also shifted from primarily small and medium enterprises to a variety of areas as fund managers are searching for yields in more diverse investment opportunities. Read more 

Digital Payments: A Crucial Step In The Financial Inclusion Endgame (
In years gone by, pages such as these have been awash with articles and opinions about fintechs and their potential to drive financial inclusion and improve the lives of millions of unbanked and underserved communities. While these opinions have been crucial in raising awareness, the discussion should now shift to the “how”. How are fintechs driving real, measurable financial inclusion? How are they helping people to help themselves? A financially underserved person that has spent his or her life earning and transacting in cash, largely in an informal ecosystem, needs more than just the concept of “financial inclusion” to truly be included in society and achieve their potential. They need a solution that bridges the divide between cash and digital. Read more.

How Fintech Impacts Financial Inclusivity (Forbes)
According to the World Bank, financial inclusion is one of the main ways to monitor progress in reducing social inequality, the global spread of economic well-being and related issues, such as gender equality. The Washington-based institution provides statistics on the issue via its Global Findex Database every three years. The latest edition reports 76% of adults globally to have an account at a bank, other financial institution or with a mobile money provider—up from 68% in 2017 and 51% in 2011. Read more

Analysis: China’s civil unrest & the long-term economic view (Fintech Magazine)
As Shanghai’s stock market tumbles, we explore the impact, reasons, and long-term consequences of China’s civil unrest. China is hailed as having the world’s second-largest economy according to the latest stats from Bloomberg – a title that gives it considerable sway, financially speaking. The Organisation for Economic Co-operation and Development also notes that despite China’s economic growth having slowed to 3.3% in 2022, it is predicted to rebound to 4.6% in 2023 and 4.1% in 2024. That optimistic predictive data could prove correct. China’s global positioning means the health of its economy directly affects all other global markets through its highs and its lows. Read more

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