Tag Archive for: blockchain

Blockchain and payments: further on the Gartner Hype cycle?

| 24-01-2018 | Carlo de Meijer |

Payments is increasingly seen as an area that is ripe for disruption, having the potential to enhance payment processing. To overcome the current structural weaknesses in the payments area including low speed, high expenses, financial institutions are increasingly adopting the idea of blockchain or distributed ledger technology (DLT). This in order to offer (near) instant cross-border payments at lower costs, higher security and more reliability. Up till recently most of these trials have been non-interoperable stand-alone solutions. But that may change!

Last month Blockchain bank consortium R3CEV and 22 of its partners announced that they were collaborating on the development of a cross border payments platform built using distributed ledger technology. This may be the first time a shared infrastructure has been developed that addresses the full payment workforce.

The question is: where are we now in the Gartner cycle, and will this R3 initiative be the breakthrough for a more massive adoption of this technology in the payments area?

Central banks: still see hurdles

Also central banks are actively investigating and in some cases even experimenting with blockchain including those of the United States, Canada, China, U.K., France, Germany, the Netherlands, Singapore, South Africa, and Sweden. Central banks’ interest in blockchain represents further recognition of the technology’s potential to transform many aspects of financial systems worldwide, including international payments. They are generally positive about the technology’s potential for applications such as international payment solutions.

On the other hand central banks also note technical obstacles such as scalability and other concerns such as privacy, security and legal issues. They generally emphasize that the technology is still at an early stage and may be years away from widespread use for such applications.

In a recent published research paper, the Deutsche Bundesbank offers up some encouragement for DLT acceptance. They are highlighting the technology’s ability to eliminate reconciliation processes, boost transparency and protect against cyber-attacks. The Bundesbank however dampened the blockchain enthusiasm, dismissing distributed ledger technology’s prospects in retail payments, at least in the Eurozone, which already boasts fast transfers and systems that require a minimum of reconciliation and can process millions of transactions with ease every day.

The authors concede that “it is still unclear whether DLT also has the edge over today’s technology in terms of security, efficiency, costs and speed”.

Read the full article of our expert Carlo de Meijer on Finextra

 

Carlo de Meijer

Economist and researcher

 

Bitcoin – hype or reality?

| 08-01-2018 | Lionel Pavey |

Having spent my  working life in international finance, I have patiently listened to all the news about the Bitcoin over the last few years. During 2017 whilst the Bitcoin was on a spectacular price rise, my interest was awakened in this new phenomenon – is this the future? I attended seminars, read articles, learnt the difference between the Bitcoin and the Blockchain, searched and investigated via the web, and tried to form an opinion. These are my findings:

Here is a technology that has recently been created – started in 2009 – that has caused a huge debate and led to passionate arguments on its merits or demerits. Those in the know understand its concept – the rest are baffled by its very existence. At essence it is a digital currency – there are no coins or notes in existence. It is decentralized – there are no governments controlling it. If you own it, your identity is anonymous to others – transactions take place via encryption keys. The supply is limited – protocol dictates that a maximum of 21 million Bitcoins can be produced. At the end of 2017 there were 16,774,500 coins in circulation – roughly 80% of the maximum allowed. So, the supply is clearly limited, but they have no real intrinsic value – they do not represent a claim on an asset.

My main area of interest has been on the price – the rise in 2017 of more than 1,400% is astounding. I decided to collate some information and have a chart showing Bitcoins price of the last 2 years.

Such a stellar performance should mean that the trade volume has increased dramatically.

Well……. here is another chart

The daily volume in September 2017 when the price was about $4,000 was the same as the start of February 2016 when the price was about $400. I had to create this chart as all the data I could find related to the $ value of turnover – which was phenomenal – and not the actual number of Bitcoins traded. Normally, when an asset sees a huge increase in price, this goes together with a corresponding increase in turnover. Clearly this has not happened with Bitcoin – why?

There appears to be a “strategy” of buying Bitcoin to hoard them. There does not appear to be a sizeable free float of Bitcoin. If there is more demand than supply, then obviously the price will increase dramatically. Bitcoin is touted as an alternative currency, yet the advocates do not seem to want to spread it around with everybody else. It is a currency that is not used to settle transactions – this makes it difficult to consider Bitcoin becoming a recognized mechanism for payments. One of the criteria of money is that it is a “medium of exchange” – yet again Bitcoin, which appears to be hoarded, does not meet the criteria.

How can a cryptocurrency replace a conventional fiat currency if it is not freely tradeable? Furthermore, if you hold Bitcoin and want to take your profit, then this will be realized in a fiat currency. As Bitcoin is generally quoted and traded in $, this means receiving your profit in an antiquated currency that your cryptocurrency wishes to replace – ironic?

The underlying technology – Blockchain – is here to stay. As to whether Bitcoin is here to stay – if people hoard Bitcoin, it will exist. What the value of Bitcoin should be – whatever someone is prepared to pay for it. Will it replace fiat currency – maybe one day, but not in its present Bitcoin form.

Lionel Pavey

 

Lionel Pavey

Cash Management and Treasury Specialist

 

Bitcoin mania: what is it not?

| 20-12-2017 | Carlo de Meijer |

During our stay in South Africa I was reading an article in Die Burger (newspaper for Afrikaners) where a spokesman of Cape town-based PWC gave his ideas on the recent rise of Bitcoin and the future of Blokketting (Afrikaans for Blockchain). This inspired me to write this blog. Since I started writing about blockchain I categorically refused to use the term Bitcoin. But this time it is different. As Bitcoin nears the end of a record-breaking year, it seems an appropriate time to dive into this – by many traditional players said – over-hyped thing. Others describe this fascination for Bitcoins as a “speculative mania”. The broader public has discovered this phenomenon. I will not say it is (already) the end of the rise in Bitcoins or other crypto currencies. But let me be clear: Bitcoin is a lot not!

Bitcoin rate explodes

Since April this year the Bitcoin (but also crypto currencies like Ether and Bitcoin Cash) is showing a continuous rising trend and in the past few months it even exploded to unexpected levels. In one month time the rate of the Bitcoin almost doubled. In the meantime the Bitcoin rate increased further to reach almost 20.000 dollar, before falling back to 16.000 dollar. But now it is back at  19.000 dollar. At the beginning of this year the Bitcoin rate was not even 1000 dollar. The total market capitalisation of Bitcoin is now exceeding that of a company like Boeing and that of New Zeeland’s GDP.

Bitcoins traded on futures market

The recent firm rate rise of the Bitcoin has much to do with the launch of Bitcoin future contracts. Before that Bitcoins could only be sold or bought via internet platforms. Last week the trade of future contracts in Bitcoin started on the Chicago Options Exchange ( CBOE). These futures enable speculators (without having Bitcoins) to buy or sell Bitcoins by betting  via the leverage instrument on future increases of the Bitcoin or an eventual decrease thereby hedging against fluctuations. In total 500 contracts were traded on the first trading session. The rate of Bitcoins increased nearly 2.000 dollar to 18.700 dollar. On the American market place Coinbase the Bitcoin even reached 20.000 dollar, after having raised 40% in the two previous days. This indicates that investors do not (yet) expect a crash short term.

In the meantime also the Chicago CME, the world’s largest exchange,  started trading Bitcoin futures and the Nasdaq is also in the race to enable the trade in these future contracts. Many professional investors however did not yet enter this market because the difference between bid and offer rates is still much too large. This indicates there is too less liquidity in this market. There is also insufficient clarity of the required margins, trade limits, stress tests and clearing.

What is Bitcoin not?

Read the full article of our expert Carlo de Meijer on Finextra

 

Carlo de Meijer

Economist and researcher

 

 

R3CEV Corda Platform: the blockchain app store

| 04-12-2017 | Carlo de Meijer |

App Store In May this year, fintech start-up R3 raised $107 million from a consortium of the world’s top banks. The New York-based blockchain company that works in collaboration with more than 90 banks and other financial organizations world-wide, plans to use the money to invest in further developing the Corda platform (see my blog: Corda: distributed ledger ….. not blockchain! April 6, 2016) as well as “encouraging entrepreneurs to start building on the platform though training videos and hackathons”.  

Fundraising

R3 gained momentum when it achieved this record distributed ledger technology funding in its last funding round. This figure that was raised by 40 institutions from more than 15 countries across the world (including names like Barclays, SBI, UBS, Bank of America Merrill Lynch, HSBC, ING, and Wells Fargo), is known as the largest single investment in a blockchain company to date. This is also seen as a signal that R3, with their Corda Platform, is moving in a right direction, according to many in the banking industry. This notwithstanding some of the early members left.

“R3 will use the funding to: [A]ccelerate technology development and expand strategic partnerships for product deployment. The company’s efforts will be focused on Corda, R3’s DLT platform for regulated financial institutions, and its infrastructure network, which will support a vast range of partner-built financial applications that interoperate seamlessly with each other, existing systems and networks.” R3’s press release

New members

Notwithstanding a number of early partners left the R3 consortium including JP Morgan, Goldman Sachs and Santander, it still attracts new members showing their viability in the blockchain arena. Like the Bahrain based Bank ABC (Arab Banking Corporation), Abu Dhabi Global Market and the International Trade and Forfaiting Association (IFTA). The latter will be involved in the various trade finance projects. Recently also the Banco de la Republico Colombia, the Colombian central bank, joined the R3 consortium. The partnership with various central banks is part of R3’s plan to diversify its consortium membership by the addition of financial regulators and government agencies.

Read the full article of our expert Carlo de Meijer on LinkedIn

 

Carlo de Meijer

Economist and researcher

 

 

The impact of blockchain technology on central counterparty clearing houses

| 23-11-2017 | Treasurer Development | Minor Treasury @ Hogeschool Utrecht | Frans Boumans |

Today’s blog has been written by Youri Toepoel, Romy Steegwijk & Dirk Heesakkers , who are 3 students studying for the minor Treasury Management at the University of Applied Sciences in Utrecht. We welcome their contribution – it is good to see the youth engaging in Treasury matters! Here is their opinion on Blockchain technology and its impact on central counterparty clearing houses.

A central counterparty clearing house can reduce counterparty risks associated with doing business with unfamiliar counterparties in unfamiliar markets. When businesses lack the capabilities, resources and expertise required to reduce counterparty risks, a central counterparty clearing house might be the solution. In recent years new disruptive technologies have been developed. Cryptocurrencies are becoming more known worldwide and the underlying technology, the blockchain, might be able to decentralize current services offered by financial institutions like banks.

Counterparty risk

Counterparty risk is the possibility that someone you do business with is unable to meet his/her obligations with you. Events during the recent credit crunch, particularly with Lehman Brothers, showed that banks and businesses had put too much trust in the credit ratings formed by the credit agencies. Corporates based creditworthiness of counterparties mainly, or even only, on the credit ratings given by credit rating agencies, expecting those ratings to be accurate and trustworthy. This has proven to be wrong and since the credit crunch many businesses started to measure and control counterparty risk based on other factors beside the credit rating received from the credit rating agencies (Treasury Today, 2014).

The counterparties

For the treasury function the counterparty risk is mainly associated with the banks and other financial institutions since these are the parties the treasury function is mostly dealing with. Additionally, also governments are important given they supply the “risk free” government bonds, but as seen with the government of Greece even governments show the ability to get into financial problems. The treasury function will often deal with these parties to attract or repel liquidity, derivatives or long-term loans to support the business’s day-to-day operations. In the end, exposure to suppliers and customers are also important to the counterparty risk.

Central Counterparty Clearing House (CCP)

A central counterparty clearing house (CCP) is an organisation that exists in various European countries to help facilitate trading done in European derivatives and equities markets. These clearing houses are often operated by the major banks in the country to provide efficiency and stability to the financial markets in which they operate. CCPs bear most of the credit risk of buyers and sellers when clearing and settling market transactions (Investopedia).

Blockchain versus central counterparty clearing house

A CCP offers a good solution to the counterparty risk that most companies face when doing business with counterparties. But this service, as it basically provides a settlement between two parties, might be a prey for decentralization by technology based on the Blockchain.

The Blockchain is often simply described as a distributed ledger and has the capability to replace services being provided by central service providers like banks. The unique part is the absence of a trusted third party (a bank that we visit or to which we log in with a key, an Amazon.com, eBay or whoever you know and trust…) (Servat, 2015).

Currently, the only obstacle seems to be regulation since the blockchain already shows numerous application possibilities. Lots of banks and other financial institutions are currently investing big money in the blockchain technology to find out in which way they can use it (or save themselves with?) (Scuffham, 2017).

Whether the blockchain totally replaces or gets integrated by financial institutions like the CCP, these innovations are surely interesting to follow and keep track of (Treasury Today, 2014).

Sources/bronnen/aanvullend

https://medium.com/@colin_/central-counterparties-ccps-in-decentralised-blockchains-f2cf671f5787

http://www.investopedia.com/terms/c/ccph.asp

http://treasurytoday.com/2016/05/blockchain-technology-ttqa

https://www.treasury-management.com/article/1/354/2920/blockchain-%96-disruption-or-hype-.html

http://treasurytoday.com/2017/09/the-rise-and-rise-of-blockchain-tttech

https://www.reuters.com/article/us-rbc-blockchain/exclusive-royal-bank-of-canada-using-blockchain-for-u-s-canada-payments-executive-idUSKCN1C237N

https://fd.nl/beurs/1222842/nieuwkomer-ripple-provoceert-betaalbedrijf-swift-op-eigen-terrein

Minor Treasury Management

More information about the minor Treasury Management at the University of Applied Sciences?
Please contact Frans Boumans.

 

Frans Boumans

Manager Minor Treasury Management @ University of Applied Sciences in Utrecht

 

 

 

Accenture and blockchain: the accent on security issues

| 13-11-2017 | Carlo de Meijer |

My last blog was about IBM, triggered by a Juniper Research putting the company as the number one in the blockchain technology competition. One of the comments on this blog was that it looked like an IBM press release. But that is far beyond what is meant. I just looked at what the tech company was doing in the blockchain arena and why it could be adopted as the main blockchain model when blockchain adoption could become mainstream. In a previous blog I already talked about Microsoft’s CoCo platform, the number two in the Juniper Research asking myself if that could become a game changer (see my Blog: Microsoft CoCo Framework: blockchain game changer, August 29, 2017). Today I will go into some more detail in the blockchain activities of Accenture, number three according to the Juniper survey.

Accenture: where do they stand?

Looking at the various blockchain alliances or consortiums, of the top three in the Juniper Research, Accenture is the most broadly focused one. Being a member of both the Ethereum Enterprise Alliance and the Hyperledger Project as well as entered into alliance with Ripple and Digital Asset. Early this year Accenture also joined the Chamber of Digital Commerce (CDC), the world’s leading blockchain trade association. The CDC, aimed to “help educate, promote and accelerate the adoption of blockchain-enabled technologies” , is also the founder of the Smart Contracts Alliance, the Blockchain Alliance, the Global Blockchain Forum amongst others.

Compared to IBM (Hyperledger Project and Digital Asset) and Microsoft (Ethereum Enterprise Alliance and Ripple) that are more outspoken in their vision, the overall goal of Accenture is to leverage DLT innovations of all sorts to make the technology viable for enterprise IT use.

“Accenture strives to be at the forefront of blockchain innovation and its practical, real world application. We provide our clients with a complete view of the blockchain-based technology landscape and its potential business implications. Our global team of experts works with each client to help build smart strategies around effective use-cases, investment and implementation.”Accenture website

“Accenture is committed to supporting these efforts by leveraging our expertise across the company – from regulation to innovation – to make blockchain a reality for our clients.” David Treat, managing director of Accenture’s financial services industry blockchain

Accenture: focus on security issues

Accenture is especially focusing on security issues. These will be critical to the widespread adoption of blockchain technology. In February this year Accenture launched its new blockchain security hardware solution and recently the company has secured a patent related to its work on Editable Blockchain technology as of late September 2017.

Blockchain Hardware solution

Last February Accenture launched its new blockchain security hardware solution. In partnership with Thales e-Security and its hardware security modules (HSMs), Accenture has developed a Hyperledger Fabric-based patent-pending solution…..

Read the full article of our expert Carlo de Meijer on LinkedIn

 

Carlo de Meijer

Economist and researcher

 

IBM: International Blockchain Model of the future?

| 16-10-2017 | Carlo de Meijer |

According to a recent Juniper Research study “Blockchain Enterprise Survey”, IBM is seen as the number one provider of blockchain to business, well ahead of its competitors. These results are based on a survey of 400 business users from organisations actively considering, or in the process of deploying blockchain technology. Of the surveyed 43% ranked IBM first, followed by Microsoft (20%) and Accenture.

IBM is better positioned than competitors as far as its blockchain credentials are concerned. The study noted that IBM’s high-profile research development efforts and use of Hyperledger “helped push it to the number one spot”. IBM has been making considerable steps forward not only by research. Also with the development of a great number of projects aimed at broadening the scope of distributed ledger technology to include industries other than the financial services, including asset tracking, logistics, healthcare and the music industry.

Though this blog will especially focus on IBM, I will start showing the main differences between its main rival, Microsoft and that of IBM in their blockchain approach.

IBM versus Microsoft: different approaches

IBM and Microsoft are now intensively working to become the dominant commercial blockchain-as-a-service (BaaS) platform. They are positioning themselves in the middle of a “frenzy” of blockchain projects and partnerships.

While Microsoft has been adding blockchain modules to its cloud platform Azure already since 2015, IBM launched the first commercial application of blockchain named IBM Blockchain just in March this year. Both systems seem similar on the surface: modular, operate in the cloud, based on open-source code, with massive ecosystems. Both are decentralized ledgers that can be used to manage and validate almost any type of transactions.

Different visions

But on closer inspection it is clear they have different visions for blockchain technology. Both are They thereby are taking decidedly different paths. These two big tech corporates are …

Read the full article of our expert Carlo de Meijer on LinkedIn

 

Carlo de Meijer

Economist and researcher

 

Regulation of ICOs: the end or beginning of a healthy market?

| 29-9-2017 | Carlo de Meijer |

One of the hottest – and also one of the most controversial – things in the crypto currency environment are so-called Initial Coin Offerings or ICOs. ICOs, which employ the use of crypto currencies, have become a popular means of fundraising for start-ups in recent months. The increasing need of blockchain technology and the lack of regulation allows them to raise money quickly in return to so-called tokens (also described as digital certificates). This hype has driven a steep rise in this sector’s market value, reaching a high of $177 bn.

The latest cryptocurrency boom however is beginning to stall as a growing number of regulators worldwide turn their attention to the ICOs world and have decided to come into action. China recently decided even to ban these ICOs. And others such as the US SEC, Singapore, Hong Kong, Russia and others followed soon though in a more lighter variant.

Is this the end of fundraising via ICOs or should it be seen as the beginning of a healthy market?

ICO hype

ICOs have become highly popular. In the past months there has been a complete hype around ICOs. ICOs have allowed digital currency start-ups, to raise millions of dollars quickly, in many cases from ordinary investors. The ICO fever is especially triggered by the success of Ethereum, the platform that invented the digital currency Ether. Already in 2014 Ethereum arranged a very successful ICO.

More than $1,6 billion has been raised worldwide from these ICOs up till now. China for example has seen 65 ICOs and 2.62 billion yuan ($400 million) raised from more than 100.000 individuals so far in 2017.

Read the full article of our expert Carlo de Meijer on LinkedIn

 

Carlo de Meijer

Economist and researcher

 

Microsoft Coco Framework: blockchain game changer?

|18-9-2017 | Carlo de Meijer | treasuryXL

Microsoft recently announced the introduction of the Coco (or Confidential Consortium) Framework. A ‘first of its kind innovation’ as they named it, designed to work with any ledger or operating system. CoCo is a blockchain protocol technology aimed to make it easier to build enterprise networks quicker and more secure using any distributed ledger. Our expert Carlo de Meijer explains the relevance of the new technology for confidential consortiums in an article on LinkedIn.
We present a short summary of the article.

What’s the issue?

Corporate interest in blockchains is firmly growing. Embracing this innovative technology however remains a big hurdle for most enterprises, as there is no unified approach in this regard. As a result they have difficulties integrating in into their systems.

There are many different blockchains, but major blockchains are not designed to be interoperable with one another. As enterprises look to apply blockchain technology to meet their business needs, they’ve come to realize that many existing blockchain protocols fail to meet key business requirements. The problem is that most blockchain protocols today require complex development techniques to meet the operational and security needs of enterprises.
Issues like performance, confidentiality of data, governance and required processing power are still major stumbling blocks for using blockchains. One of the other key enterprise blockchain problems is that of access controls for transactions.

What is the Coco Framework?

The Coco Framework is an open-source Ethereum-based protocol, designed to provide high-scale and confidential blockchain networks for enterprise purposes. It should be seen as the foundation of blockchain for the enterprise.

It is designed to work with any ledger or operating system. It can connect existing blockchains with one another. The Framework is targeted especially for consortiums where nodes and actors can be controlled.

The Coco Framework is built to address some of the current limitations of enterprise blockchain. It is meant to reduce the complexity currently associated with blockchain protocol technology and make it easier for enterprises to adopt blockchain technology. This by increasing transaction speeds, offering confidentiality and simplify governance decisions. The ultimate goal is to boost widespread adoption, particularly among enterprises, of blockchain technology.

The CoCo Framework is not a decentralised solution in this regard as participants will still be able to exert a high degree of control over their blockchain. CoCo is more of a distributed ledger-oriented approach than a decentralised technology.

The design of the CoCo Framework

Microsoft is developing the CoCo Framework in cooperation with Intel, JP Morgan and Ethereum. The Coco platform is designed specifically for confidential consortiums, through the introduction of a trusted execution environment (TEE), advanced cryptography and innovative blockchain-focused consensus mechanisms “to open up new blockchain enabled scenarios across industries”.

The Coco Framework needs a trusted execution environment where nodes and actors are explicitly declared and controlled because it relies on shared trust between machines running modified blockchain software in order to avoid the need for transaction verification. With these TEEs a network of trusted enclaves can be build that all agree on the ledger and Coco code they are running. Because it’s an open framework, it can also support other compatible TEEs as they become available.

The idea is that enterprises may place their blockchain code in a trusted area, which is established through integrated tools such as Intel’s Software Guard Extensions (SGX) or Windows Virtual Secure Mode (VSM). These are hardware-based security technologies that the CoCo Framework uses to improve the throughput, efficiency and privacy of the blockchain.

Compatibility

The CoCo Framework is designed to integrate with a wide range of blockchains and distributed ledgers. It is meant to provide the infrastructural underpinnings for the growing number of such ledgers that are emerging from different vendors and groups. Although CoCo is not an actual ledger, it will help other companies with established blockchains to come together, link with each other and built large networks.

Problems to solve

Despite taking a more centralised approach there are many benefits to embracing the the CoCo Framework. When implemented into blockchain networks and processed in a trusted environment, allowing for a “simplified’ consensus mechanism” may solve the various privacy, speed and governance issues for commercial adoption by corporates. At the same time, ”they will not lack in security and immutability”, which are two of the driving factors behind blockchain technology as a whole.

According to the Coco Framework White Paper, these “enterprise-ready trusted blockchains networks” that all agree on the ledger and the CoCo code they are running, will deliver:

  • Throughput and latency approaching database speeds.
  • Richer, more flexible, business-specific confidentiality models.
  • Network policy management through distributed governance.
  • Support for non-deterministic transactions.
  • Reduced energy consumption.

When to start?

According to Microsoft, the company has now started exploring the CoCo Framework’s potential across different industries, such as retail, supply chain and financial services.

Microsoft plans to make the Coco Framework available as an open source software project by 2018. It will be posted to and available on Github.

You can find more details about CoCo in Carlo de Meijer’s article on LinkedIn.

 

Carlo de Meijer

Economist and researcher

 

 


More articles about blockchain technology from Carlo de Meijer:

 

De 100 meest veelbelovende FinTech bedrijven – wie wordt de winnaar?

12-9-2017 | FM.NL | treasuryXL |

Op 27 september is het zover. Buitenlandse investeerders en FinTech-specialisten van naam reizen dan af naar Brussel. Tijdens de European FinTech Awards & Conference 2017 zullen zij oordelen hoe de veelbelovende techbedrijven van Europa ervoor staan. De omgetoverde FinTech-awardzaal van ‘The Egg’ bombardeert  de Europese hoofdstad deze dag tot hét techcentrum van Europa. De top 100 aanstormende FinTech-bedrijven van Europa zijn bekend. Wie wordt gekozen tot winnaar?

Meer dan 34.000 FinTech enthousiastelingen hebben gestemd op hun favoriete Europese FinTech-bedrijf. Het is nu aan de FinTech vakjury: wie winnen de European FinTech Awards 2017? U hoort het op 27 september.
Honderden Europese fintechbedrijven staan op het punt door te breken en uit te groeien tot scale-up. Miljarden liggen klaar om geïnvesteerd te worden in bedrijven die de markten gaan veroveren. Wie wordt de volgende?

De 100 meest veelbelovende FinTech bedrijven

 FM.NL heeft de 100 bedrijven in een artikel gepresenteerd:
 

Bron: FM.NL

Top 3 FinTechs per categorie

 

 

 

 

 

 


Bron: FM.NL

Veelbelovende FinTech-bedrijven & verrassende visies op de European FinTech Awards in Brussel:
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Laat u inspireren door de meest veelbelovende FinTech-bedrijven ten overstaan van aanwezige investeerders, stakeholders en andere belangstellenden op 27 september 2017.  Dit is de dag waarop u de beste FinTechs van Europa pas écht leert kennen.

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Bezoek de European FinTech Awards & Conference met korting
Ontmoet 27 september 2017 in ‘The Egg’ in Brussel 400 nationaal en internationaal befaamde FinTech-entrepreneurs, bankiers, investeerders en adviseurs. De European FinTech Awards & Conference 2017 biedt een unieke kans om uw netwerk te vergroten. Laat deze kans niet glippen om gearriveerde FinTech-sprekers op het podium te zien en 30 pitches te zien van Europa’s beste innovatieve ondernemingen van dit moment.

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