Accenture research study: “The Future of Fintech and Banking: Digitally disrupted or reimagined?”

On 25 March 2015 Accenture released a research study titled “The Future of Fintech and Banking: Digitally disrupted or reimagined?”

The study confirms that global investment in financial-technology (fintech) ventures tripled from $4.05 billion in 2013 to $12.2 billion in 2014, with Europe being the fastest growing region in the world. The report also confirms that in 2014, fintech investment increased at more than three times the rate of overall venture capital investment. Further confirmed was that the US still captures the lion’s share of fintech investment, Europe experienced the highest growth rate, with an increase of 215% to $1.48 billion in 2014.

The UK and Ireland (UKI) accounted for more than two-fifths (42%) of the European total, as investment in the region rose from $264 million in 2013 to $623 million in 2014. In the rest of Europe, the regions that experienced the most significant levels of investment in 2014 were the Nordic countries ($345 million), the Netherlands ($306 million) and Germany ($82 million).

The massive investment in fintech shows that the digital revolution is well advanced in financial services, and it is both a threat and an opportunity for banks. The report also suggests that many established banks are not well equipped to deal with the digital revolution.

The full report can be downloaded here.

ECN Review of Crowdfunding Regulation 2014

The second edition of ECN Review of Crowdfunding Regulation 2014 was published in December 2014 by the European Crowdfunding Network. The Report covers the legal frameworks in 30 countries across Europe, the USA, Canada and Israel.
Details of how crowdfunding of all types is treated under national regulation across Europe and beyond can be found in the publication.

A PDF copy of the report can be downloaded here.

The report indicates that we are still far from a single European market for crowdfunding, and could even be further from it a single than last year due to what can only be described as uncoordinated regulatory actions on national levels. ECN believe that they are able to work with its network members and stakeholders to establish guidelines for best practices, but confirms that we need to be realistic about the effect of such guidelines in a highly fragmented European market. ECN therefore ask policy makers and regulators, both on national and European level, and especially the new President of the European Commission and his team and his Commissioners to engage into a constructive discourse. ECN believe that a framework and conditions for success has to be created that will ultimately help entrepreneurs, innovators and our private investors to build a growing economy. The creation of a pan-European capital market will contribute to a better allocation of private funds and, as a consequence, to the development of small and medium sized enterprises which in turn will again lead to increased job creation. Small and medium sized enterprises are the backbone of the European economy and they are the main source for employment and value creation across the continent. With this paper we can only give a small insight in the complexities of European legislation keeping back private capital allocation into entrepreneurship, innovation and job creation. http://www.eurocrowd.org/

London is Benefitting from Fintech Investment Boom, according to Accenture Study

Recent research published by Accenture says that London is benefitting most from a global boom in fintech investment and that the London Fintech boom is strong because the City of London has a long tradition of strength in the financial services sector.

The Accenture study is titled: “The Boom in Global Fintech Investment; A new growth opportunity for London”, is based on an analysis of global Fintech investment data from CB Insights.

The Accenture report can be downloaded at the following link:

http://www.accenture.com/Microsites/fsinsights/capital-markets-uk/Documents/Accenture-Global-Boom-in-Fintech-Investment.pdf

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