FinTech

Rafael García del Poyo, partner at Osborne Clarke in Spain and author of the book “Criptoactivos, retos y desafíos” (Cryptoassets, challenges and difficulties), has spoken on TVE’s Canal 24h about the rise of bitcoin in the financial markets.

Robert Kilian zu Herausforderungen der Digitalisierung für Unternehmensjuristen

As more businesses switch from traditional banks to digital services, fintech providers remain duty bound to protect against fraud which risks compromising the speed of their user experience.

Tanja Aschenbeck stellt STOs als spannende Alternative zu Börsengang vor.

On 31 January 2020, the United Kingdom withdrew from the EU after having finally agreed on a withdrawal agreement. During a transitional period until 31 December 2020, the UK is treated in large parts as if it were still a member of the EU. Financial service providers can still use the established European legal framework for cross-border services from the EU to the UK or from the UK to the EU and profit from the advantages of a harmonised single market. But what happens afterwards?

14 July 2020

Young FinTechs are currently faced with the - sometimes existential - question of how to obtain sufficient funding (at acceptable conditions) to bridge financial bottlenecks or further develop their own business model. As they often do not yet generate profits and are rarely able to offer relevant loan collateral, such start-ups are often not eligible for either governmental emergency loans or standard bank loans. However, even if FinTechs receive loans in the current Coronavirus crisis, the rigid conditions attached are a heavy burden in the long term. This can have a significant impact on young companies’ economic flexibility and innovation.
A financing option which has not been around for so long (in Germany) could become more attractive in the future: alternative investment funds ("AIF") which - outside the banking sector - grant loans to FinTechs.

3. Juni 2020

Insbesondere junge FinTechs stehen aktuell vor der – zum Teil existenziellen – Frage, woher sie Gelder (zu akzeptablen Konditionen) zur Überbrückung finanzieller Engpässe und/oder Weiterentwicklung des eigenen Geschäftsmodells erhalten können. Da sie häufig noch keine Gewinne erwirtschaften und selten relevante Kredit-Sicherheiten anbieten können, kommen solche Start-Ups oftmals weder für staatliche Hilfskredite noch übliche Bankkredite in Frage. Doch selbst wenn die FinTechs in der aktuellen Corona-Krise Darlehen erhalten, sind die starren Aus- und Rückzahlungsbedingungen auf lange Sicht eine schwere Bürde, unter der wirtschaftliche Flexibilität und Innovation der jungen Unternehmen stark leiden können. Eine (in Deutschland) noch gar nicht so lange bestehende Finanzierungsmöglichkeit könnte nun besonders attraktiv werden: Alternative Investmentfonds („AIF“), die – außerhalb des Bankensektors – Darlehen an FinTechs vergeben.

With FinTech deals often affecting large numbers of consumers and involving innovative firms, the UK regulator has increased sector scrutiny and raised the need for merger clearance strategies.

Der Corona-Virus (SARS-CoV-2 bzw. bei Erkrankung COVID-19) – oder jedenfalls dessen Auswirkungen – sind längst auch im Finanzsektor angekommen. Welche Folgen zeitigt der Virus bereits jetzt für Banken und FinTechs?