Lawrence Wintermeyer’s Post

A recent Fintech Times article has us rethinking the future of wallets. By 2024, a whopping 21% of UK folks plan to ditch their physical wallets for digital alternatives, with Gen Z and Millennials at the forefront of this change. This shift towards digital isn't just about convenience; it's about a whole new way of interacting with our finances and identities. Let's dive into what this means for us and the fintech industry. Are you ready to go wallet-free? The Digital Shift https://wix.to/ZnesJJo #XertiloxRevolution, #DigitalWalletFuture, #SecureDigitalID, #BlockchainSecurity, #CashlessSociety, #FutureOfPayments, #DigitalIdentityVerification, #TechInnovation, #SmartWallets, #ContactlessConvenience #Xertilox Solution

In today’s technology-driven world, connectivity knows no bounds. Explore how secure and innovative payment solutions are reshaping global commerce and esports. Our latest thought leadership article explores the pivotal role of localised payments and instant cross-border transactions in breaking down financial barriers and fostering economic empowerment. 💡💰 Discover more insights from our recent article: 🔗 Read here: https://lnkd.in/dxnQYEgU #GlobalExpansion #PaymentsIndustry #PaymentsRevolution #GlobalCommerce #FinancialInclusion #TechInnovation

HSBC is leading the charge in driving change with our clients and partners in the ever-evolving payment space. Our team of experts recently spoke at Money 20/20 and shared some key takeaways. * The payment landscape is rapidly changing with emerging technologies such as Real-Time Payments, Digital Wallets, CBDCs, and stable coins. Corporate Treasury Teams need to seek out efficiencies and capture opportunities, while also managing the risks associated with these new payment types. * Asia Payment Space is still fragmented, and collaboration is key. We believe that more public-private partnerships are necessary to experiment with more POCs. * HSBC is working on scaled-up solutions via emerging technologies such as Gen AI, blockchain, and quantum computing alongside organizations and fintechs. Stay ahead of the curve and connect with us to learn more about how we can help you navigate the evolving payment landscape. #HSBC #GPS #payments #fintechs Manoj Dugar Vincent Lau Lewis Lei Sun Shadab Taiyabi

An interesting take from Miles Deustcher on the current problems of the current crypto market https://lnkd.in/gRPrvVsp Miles is a prominent voice in the cryptocurrency space, known for his in-depth research and comprehensive analysis on a wide range of topics. Here are the key points from his latest analysis: Key Issues: 1. Excessive Coin Launches: In April alone, over 1 million new coins were launched, with half being Solana meme coins. This surge acts like inflation in the crypto space, diluting purchasing power. Currently, there are 2.5 million coins according to CoinGecko. 2. High FDV, Low Float: Many new coins have high Fully Diluted Valuations (FDV) but low circulating supply, leading to continuous supply pressure. This practice is problematic for market stability. 3. VC Dominance: Venture capitalists (VCs) dominate the market, favoring high FDV launches. This often results in poor or even negative returns for retail investors, driving them away from the new project assets towards meme coins. Suggested Solutions: 1. Better Token Distribution: Exchanges should enforce improved token distribution mechanisms to ensure fairer access for all participants. 2. Community Engagement: Builders should allocate more resources to the community and actual users to foster a more inclusive ecosystem. 3. Higher Float at Launch: Coins should have a higher initial circulating supply to reduce supply pressure and increase market stability. 4. Delisting Dead Coins: Exchanges should remove inactive or "dead" coins to minimize capital dispersion and maintain a healthier market environment. Miles acknowledges that this is just one perspective and other factors could still attract retail investors back into the market. At Soberin, we share the sentiment that, despite significant advancements and positive narratives, the cryptocurrency market faces notable challenges. We urge investors to maintain a broad perspective, considering the overall market dynamics and underlying trends rather than focusing solely on specific narratives or projects. It is essential to understand the larger picture and be mindful of the hidden forces at play. Furthermore, we believe it is crucial for our community to actively advocate for essential changes in the industry. This includes urging exchanges and other key stakeholders to implement necessary reforms, in line with the principles of decentralized governance, even when dealing with centralized entities like centralized exchanges (CEXs).

The world of Real World Asset Tokenization is something that will touch the lives of every living being on the planet. Solidifying the distinction from crypto and blockchain, Regulators and Traditional Finance at large are starting to understand and seek benefits that blockchain rails can provide. Come learn and connect with industry players, and service providers such as alphabloQ (Techstars '22). See you there!

🌐 Transforming Global Trade through Digital Innovation: A Landmark Discussion In an enlightening exchange, Jose Gonzalez Bishop Sally and Bryan Campos of DTG USA delved into a comprehensive discussion with Orren Lilly on the very foundations of DTG/DocuShield, the evolving landscape of electronic trade, and the burgeoning opportunities that digital trade heralds for global commerce. 🔍 A Dive into the Foundations The conversation kicked off with a deep dive into the origins of DTG/DocuShield, highlighting the innovative approach DTG USA has pioneered in securing and streamlining digital transactions. This platform, built on trust and transparency, is reshaping how businesses approach document security in an increasingly digital world. 🌎 Navigating the Current Landscape The dialogue seamlessly transitioned into an analysis of the current state of electronic trade. With the digital transformation accelerating, Jose and Orren dissected the challenges and triumphs faced by businesses as they navigate this new terrain. The focus was not only on the technological advancements but also on the regulatory frameworks that are evolving to support secure and efficient global trade. 🚀 Unlocking Opportunities for Global Trade Most importantly, the discussion spotlighted the myriad opportunities that digital trade presents. From small startups to multinational corporations, the digital frontier is leveling the playing field, offering unprecedented access to global markets. Jose and Orren emphasized the importance of embracing digital solutions to foster economic growth, enhance global cooperation, and ensure sustainable development. 🤝 A Call to Action This conversation is a clarion call to businesses, policymakers, and trade professionals to recognize the transformative potential of digital trade. As DTG USA continues to lead the charge, the partnership with visionaries like Orren Lilly underscores a shared commitment to innovation, security, and inclusivity in global commerce. https://lnkd.in/dKW7FcsG Sunil Senapati Saloi B. Nadar Suresh #DigitalTrade #DTGUSA #GlobalCommerce #Innovation #DocuShield

Summary of Nordic Fintech Week, Part 2: Most inspiring were all the conversations with the broad variaty of startups/scaleups. Some examples: Bikekey, smart solutions to prevent bike theft and related insurance fraud. AgroRisk, solutions that can quantify financial risks for agricultural businesses due to climate-related events and weather changes using satellite photos. Zeipt, a solution that delivers smart receipts to wherever the consumer wants; to bookkeeping for automatic expense management, to the bank for an overview, or to benefit programs for kickback. Crypto related solutions was getting more attention then, at least I, excpected. Some examples in that area were Longship Invest, an AI-powered crypto trading portfolio. PixelPai, a platform that offers an infrastructure for transactions from ‘token-economics’ to ‘old-school finance’ and vice versa (and other things). Januar, another financial infrastructure provider for crypto businesses. Another interesting idea was to create the world's most stable currency to minimise risks in trading, transactions and asset value protection, GSU.com. This was only a fraction of all the cool innovators present at the Nordic Fintech Week. Already looking forward to next year's event. #fintech #NFW24 #startup #innovation #piktiv

The most anticipated trends and innovations shaping the future of fintech at Money20/20 are covered by Tracey Davies (Byers) and Scarlett Sieber. Davies and Sieber discuss groundbreaking insights from the conference, share their perspectives on the industry’s next big moves, and highlight the ideas driving the evolution of finance. Remy Blaire FINTECH.TV

With the #ESPR regulation now in force, organisations must ensure they understand the impact of both the ESPR and other #EU regulations that mandate #DigitalProductPassports. Here’s what you need to know… https://hubs.la/Q02M0X9c0

You are at Money20/20 in Amsterdam and want to learn about blockchain interoperability? Hear the latest news from Pallavi Thakur from Swift in the session on „Connecting chains: The burning need for blockchain interoperability“