Digital Lending and crowdinvesting
Open banking and PSD2 standards represent a crucial asset for fintechs and incumbents that intend to digitise their services and expand products range. Different types of partnerships are taking place in the market, enhancing a “platformisation” of the sector. A wise use of data and engaging UX allow more customer-centric solutions that, when leveraging technologies such as AI and machine learning, consent the automation of core and non-core processes, including tailored pricing, streamlined onboarding phase or fraud detection activities.
Corporates are increasingly looking into new solutions to sustain their activity and growth, shifting from traditional lending solutions to more agile sources. The success of minibonds, crowdfunding and invoice trading platforms, which are gaining market shares as their capability to serve quickly and effectively funding needs improves, is accompanied with regulatory innovations as the EU Crowdfunding Regulation.