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Fintech – ReadWrite

entrepreneur banking

3 Free Banking Apps for Entrepreneurs

Financial institutions and entrepreneurs have a historically complicated relationship. Entrepreneurs need ways to fund their companies and keep business moving, meaning they lean on banks for everything from business loans to checking accounts. And banks need entrepreneurs, too — without small businesses fueling the economy, there isn’t much banks can do. This (sometimes reluctant) co-dependent […]

Enterprise App Design: Does iOS Fare with Android in terms of Security?

More enterprises are investing in mobile applications on platforms preferably iOS. The 2016 enterprise mobile apps report brought out by Adobe reinforces the growing need for enterprises to invest in mobile apps. With Apple constituting a major share of the world smartphone market, iOS tend to be the most preferred platform in enterprise app development. […]

Most People Are Dead Wrong About Bitcoin and Criminals

It seems that these days, cryptocurrency can’t catch a break in the news cycle. In early April, the Securities and Exchange Commission urged a federal judge to freeze $27 million that was allegedly garnered through the illegal sale of shares in LongFin — a company whose stock shot from $5 to $142 after announcing it was acquiring […]

removing bias

Are AI and Big Data the Economic Levelers We’ve Been Looking for?

For all of the “isms” supposedly being felled by enlightened Americans, the U.S. economy remains stunningly unfair. Take racism. On one hand, interracial marriages have grown fivefold in the 50 years since Loving v. Virginia, which legalized the practice. On the other, the average median household wealth of African-Americans declined by 75 percent between 1983 […]

Thinking About Borrowing Money? Here’s What You Need to Know

Thinking About Borrowing Money? Here’s What You Need to Know

Some people love debt, while others hate it. People in the former category tend to use loans for everything. Those in the latter category avoid it at all costs. Both extremes can create problems. If you’re thinking about borrowing money, the smart approach lies somewhere in between. The Do’s and Don’ts of Borrowing Money When […]

What Will Cryptocurrency Be Like in 10 Years?

Investors, pundits, and enthusiasts can’t stop speculating about cryptocurrency, and more often than not, their predictions center on price. But simply musing over the market performance of a specific coin ignores the larger potential of cryptocurrency. This space is about more than price fluctuations — it’s a digital financial revolution that’s poised to transform the world. Cryptocurrency […]

Crypto Feels Like the Wild West — But Really, Big Tech Holds the Puppet Strings

rtFor evidence of big tech’s evolution from AV club geeks to big guys on campus, look no further than the influence of companies like Amazon and Google. They’ve crept into every corner of contemporary life; they possess outsized amounts of power and exercise imperial control over the digital landscape — and it looks like taking […]

insurance

3 Insurance Technology Trends That Will Rule The Roost in 2019

We’re sure you’ll agree when we say: traditionally, the insurance industry worldwide has been dominated by massive national brands and legacy product lines and age-old technology. The change is already here and more changes are expected to disrupt the global insurance industry. The rapid evolution of insurance technology or insurtech that’s making waves in the […]

blockchain technology

4 Ways to Enter the Blockchain Industry

Blockchain is, in essence, an encrypted peer-to-peer distributed databases. It’s powered by countless computers located disparately around the world. The system is a growing, ordered collection of records called blocks, each with a timestamp that’s linked to a previous block. The technology uses cryptography to make sure that users can only edit their own blocks. […]

How Can Cryptocurrency Change Retail Payments?

Cryptocurrency made a poor first impression with the public when it launched, thanks to an association with criminal activity and security loopholes that were not the fault of the blockchain technology on which it runs. Widespread application possibilities got lost among the sensationalism in the news, which included constant stories harping on the radical fluctuations in the value […]

Robo-Advisors Are Coming. So What’s Stopping Them?

As technology continues its seemingly endless evolution, robots are taking over customer service and back-end data analysis. Combining those functions to create robo-advisors makes perfect sense. Unconvinced? Look at the financial sector. Experts who weighed in as part of Financial Planning’s survey believe that wealth management firms will continue to invest in robo-advisors and financial mobile app development as the […]

cryptocurrency fraud

Cryptocurrency Fraud Is the Exception, Not the Rule

Cryptocurrency and blockchain are revolutionary technologies, but being so far ahead of the curve comes with consequences. With few precedents to learn from and regulatory frameworks still in their infancy, the crypto space has attracted its share of shrewd opportunists whose scams — such as the infamous pump-and-dump schemes — have grabbed international headlines. Tech giants like Facebook and […]

The US Is at Risk of Becoming a Second-Tier Financial Hub If Regulators Don’t Embrace Crypto

Among fintech enthusiasts, cryptocurrency is often the life of the party — and regulation is the elephant in the room. For a while now, we’ve heard whispers about the need for crypto-specific regulations in the community, and after appointing the first-ever senior advisor for digital assets and innovation back in June, it’s clear the U.S. Securities and Exchange Commission […]

Lutron lights up Amazon Echo’s life

Lutron lights up Amazon Echo’s life

Lutron Electronics has added its Caséta Wireless system to the growing list of devices that support Amazon Alexa range, which includes the Echo, Dot, Tap, and Fire TV. The Caséta Wireless system features various connected LED lights that can change color or brightness on demand. The integration of Alexa allows users to change the lights […]

ICYMI from F2 Capital: Tesla gets some blame, Apple goes AR, Dimon slams Bitcoin

It’s been a busy week in emerging tech, with a lot of big news. Here’s a quick recap of what you might have missed. Apple debuts ARKit This past week, Apple introduced ARKit, a new framework that allows you to easily create unparalleled augmented reality experiences for iPhone and iPad.  Some believe this (along with Google’s release […]

Coworking spaces and IoT — what could possibly go wrong?

The IoT and coworking spaces have a lot in common. Both need to strike a careful balance between forging accessible yet secure connections to engage with and protect their growing communities. It’s a tough call. Lucas Seyhun, co-founder at The Farm Coworking, said: “While we work with some of New York’s leading technical startups, we […]

Shenzhen, China

Why China’s own ‘Bay Area’ matters now for your company

Over the past few years, I’ve had the pleasure of spending significant time on the ground in China for ReadWrite and ReadWrite Labs. While here in China, I’m continuously discovering new opportunities that exist and even more reasons for foreign startups and corporations to consider getting started in China. However entering a new market can […]

finances for startup

Everything You Need to Know About Finances for Your Startup

Getting a startup off the ground isn’t easy. Instead of focusing solely on your baby, as in the actual product or service that you’re selling, you’ll also have to deal with administrative headaches. Managing your startup finances is one of these necessary evils. Here’s everything you need to know about finances for your startup. As […]

Evolving from Decentralization to Centralization – Back to a Decentralized Future

Believe it or not, decentralization is nothing new. It first began with the social organization of ancient human societies. They lived together in small Neolithic decentralized communities of less than 100 people where everyone was accountable for one another. Small populations directly made management easier. Such small communities could easily trust one another, and the […]

Nationwide IoT network to link up South Korean smart cities

Smart city ambitions just leveled up thanks to a partnership between South Korean firms Samsung Electronics and SK Telecom that will build a nationwide Internet of Things (IoT) friendly network. As reported by TheVerge.com, the companies announced plans to construct a network across South Korea for connected devices and smart city technology. The coast-to-coast network […]

finances for startup

Everything You Need to Know About Finances for Your Startup

Getting a startup off the ground isn’t easy. Instead of focusing solely on your baby, as in the actual product or service that you’re selling, you’ll also have to deal with administrative headaches. Managing your startup finances is one of these necessary evils. Here’s everything you need to know about finances for your startup. As […]

Creating a Lean and Functional SaaS Accounting App

Companies and startups are turning to software-as-a-service solutions for their accounting needs more and more. Plenty of licensed software products exist in the market, but SaaS apps provide advantages that programs like Microsoft Excel can’t. First, SaaS accounting apps are often less expensive thanks to their subscription models and users’ ability to exclude features they […]

Global Leader in Electronic Invoicing

How Latin America Became a Global Leader in Electronic Invoicing

In 2003, Chile became one of the first countries in the world to implement electronic invoicing, and several other countries have since followed suit. Latin America has long been a global leader in electronic invoicing, the practice of submitting and formalizing every business invoice through the government. Of the world’s 36 billion electronic invoices issued […]

How to Fund Your Startup

Business Loan vs Equity Financing: How to Fund Your Startup

When it comes to raising money for your startup, there are several ways of doing it. However, out of all startup funding options, the two most popular methods are Loan and Equity. Both types of loans are very different from each other, and sometimes it becomes challenging to choose the right option for your business. […]

debit cards won't solve all fintech problems

Dear Fintech Companies, Debit Cards Won’t Solve All Your Problems

The world of financial technology is not just hot right now — it is fast becoming a force to be reckoned with. Investment dollars are flowing in at an alarming rate. It is a land grab in which the hottest competition is for the space in Americans’ wallets. Fintech companies are competing to have their […]

potential threats surrounding AI and ML

The Potential “Holy Shit” Threats Surrounding AI and ML

Artificial intelligence(AI) and machine learning (ML) are the most viral topics discussed in this age. It has been a big controversy among scientists today, and their benefits to humankind cannot be overemphasized. We need to watch for and understand the potential “holy shit” threats surrounding AI and ML. Who could have imagined that one day […]

Traits of Fintech Apps

Secrets of Financial Applications: Traits of Fintech Apps

Technology for financial services came about as a response to the challenge of making finance more straightforward and more accessible. Now, people are demanding that their transactions be fast, easy and secure — globalization has required to work at a broader, more rapid speed. Multi-currency digital payments are a norm, peer-to-peer lending is now more […]

how fintech companies use AI

How AI Technologies Help Banks and FinTech Startups

The financial industry was one of the first to adopt and enjoy the benefits of artificial intelligence (AI). The annual budgets of large banks amount to billions of dollars, which is comparable to the state budgets of some developing countries. No surprise that banks and financial organizations will be the key drivers of AI R&D […]

gamers, gaming, mobile games blockchain

Why Mobile Games and App Stores Should Opt for Blockchain

The mobile game and app ecosystem is extremely saturated. The mobile gaming markets are still growing and already worth more than $40 billion — but only a few developers are reaping benefits from this growth. Let’s address why mobile games and app stores should opt for blockchain. The success of the market lured developers and […]

banking as a personal assistant

Banking is the Next Personal Assistant

We envision banks as these massive vaults filled with money. While there’s some truth to that assumption, your average bank is so much more. We can expect that banking is the next personal assistant. Banks are massively complicated institutions that operate on a lot of different (often proprietary) systems working seamlessly in conjunction with one […]

The FinTech Revolution in Insurance

The FinTech Revolution in Insurance

The rise of FinTech diversity in customer behaviors. In addition, advanced technologies are also influencing the insurance industry. It is considered that insurance (InsurTech) and other technology startups continuously working to redefine and modernize the customer experience through creative modifications such as risk-free underwriting, on-the-spot purchasing, activation and claims processing and likewise. The possible scenarios […]

The Bright Future of Online Banking

The Bright Future of Online Banking

Technology has facilitated all aspects of life – transport, cooking, shopping, studying, entertainment, you name it. Long gone are the days of going through much trouble to do. You can watch a movie with 3D characters stepping out of the screen and cook a healthy super fast meal in under ten minutes. Then, you’ll need […]

Evolving from Decentralization to Centralization – Back to a Decentralized Future

Believe it or not, decentralization is nothing new. It first began with the social organization of ancient human societies. They lived together in small Neolithic decentralized communities of less than 100 people where everyone was accountable for one another. Small populations directly made management easier. Such small communities could easily trust one another, and the […]

fintech and mortgages

Fintech is Changing Everything in the Mortgage Industry

At the time of this writing, there was over $15 trillion in outstanding mortgage debt in the US, making it the largest type of outstanding debt in the country. Mortages represents an industry for which business is booming – and that’s attracting a whole slew of new competition into the space. Much of it is […]

Is Blockchain Winning or Losing? — 4 Stages of Blockchain Evolution

The hype over blockchain has picked up steam and enterprises rush to apply blockchain to their industry or even just add it to their initiatives of the year. Blockchain becAme a buzzword of 2018 and seems to be buzzing pretty well in 2019 so far, as well. The blockchain appears to be part of the […]

understanding or underestimating crypto

10 Years After Bitcoin Began, are We Underestimating Crypto?

In the 10 years since Bitcoin was created, a lot has happened to cryptocurrency. Do we understand crypto any better? Are we underestimating it? Bitcoin, Blockchain, Ethereum, and even Satoshi Nakamoto went from obscurity to something we might see on mainstream news. Completely new industries around cryptocurrency and blockchain technology sprung up. Investors and early […]

taxation changes will come with AI

AI is Changing How We Pay Taxes, and How They’re Collected, Too

Over the last few years, artificial intelligence (AI) has been steadily advancing in complexity, utility, and sophistication. Overall, that’s been good news for consumers and businesses alike, who are seeing increased use of the technology in everything from the latest in digital assistants like Amazon’s Alexa to customer services tools that are enhancing customer experiences […]

Fintech for fun and profit

Fintech Boom is Disrupting the Way Companies are Run

Finance is a central tenet of business and a pillar upon which any successful company stands. After all, the point of capitalism is to create organizations which not only do something useful but those which ultimately monetize their plans and bring value to shareholders. Many economic ideas exist to help businesses launch, grow, measure, and […]

FinTech Investors Tackle Student Debt: FutureFuel Receives $11.2 Million in Financing

Multigenerational debt holders with student debt are on the rise. There are now 44 million people in the U.S. who have $1.5 trillion in student loans. This debt not only impacts the person who owns it, but the student loan problem also has a far-reaching economic impact. Parents, youth, and even grandparents are struggling with the implications […]

How Fintech Can Help Startups Grow Faster

Fintech has proven invaluable in the startup world. When you’re starting from scratch, you need all the help you can get, and fintech solutions quickly come to the rescue. Thanks to these financial services, many a small business has begun to thrive. Let’s take a closer look at how technology has simplified the financial matters […]

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