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The Financial Columnist is a Financial Services publication featuring critical pieces published by thought leaders in the sector.

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FinTech is getting messy…and that’s a good thing

by: Dan Rosen

Happy New Year, FinTech! Welcome to 2023, the year that FinTech really gets messy.

2023 - The Year of Crypto Myth-busting and Education

by Sheila Warren

2022 was a whirlwind year for crypto, to say the least.

While the year started off strong, with real technological advancements and excitement about its potential, there were noticeable challenges. Overnight support in the millions to Ukraine, 1 billion donated in COVID relief, and legislative gains in the EU and Asia, were accompanied by headlines around Terra Luna, Celsius, and Three Arrows. At the end of the year, the latest revelations about FTX and the alleged criminal activity of a small group of people within the company sent massive shockwaves through the entire crypto industry. Given its importance in the space, the contagion and fallout may not be over.
If there is one message that came across loud and clear, it’s that regulatory clarity is needed – and it’s needed now.

Real conversations about blockchain sustainability require better data

by: Denelle Dixon

Sustainability.  It has become a loaded topic generally and even more so in the blockchain industry. Unfortunately, the mainstream conversation has led to a lot of misconceptions about blockchain’s environmental impact. Regardless of how familiar one is with the applications of blockchain technology or use cases for cryptocurrency, mentions of blockchain and proof-of-work consensus mechanisms are now synonymous with high energy use—without a parallel focus on the actual value being generated behind the energy use. 

Knowing Where the Buttons Are (or Why Every FinTech Should Have a Good Lawyer Around)

by: Tom Brown

I often get asked why I made the switch from lawyer to investor.  Usually, it is from lawyers slightly jealous that I no longer need to account for my time in six-minute increments and sometimes from financiers slightly wary that I am encroaching on their turf.  Although there is no single answer to that question, I thought the launch of this column would be a good place to lay out why I did what I did and what I believe every entrepreneur building in the FinTech space should look for in a lawyer.

Equity Through a DEI Lens: When Equity Doesn't Drive Equity

by: Kathryn Petralia

Throughout time, the approach to compensation has largely remained the same. From factory shift workers in the industrial revolution to the information-age employees of today, companies pay by the hour or annually based on the business requirements for the role, the candidate’s experience, and the competitive labor market rates at the time of hiring. 

Over time, companies began to introduce the idea of “total compensation” as they started to offer benefits such as medical and dental coverage, retirement savings, and other programs, as well as bonuses either for individual or company performance. However, if you ask any worker how much they make, you’ll hear their hourly rate or an annual salary, almost none will say they made thousands in a 401k match last year or their employer provided a ‘work from home’ stipend.

Why stablecoins present a 'right side of history' moment for early adopters

by: Bradley Riss

It's fair to say that businesses are still uncertain about how cryptocurrencies can benefit their bottom line and/or enhance customer experience. With many consumers still wary of anything blockchain-related, and markets well into our periodic "crypto winter" season, it's understandable that business leaders might wonder what they can expect from digital assets. Well, the good news is we are seeing the move from speculation to utility, and nowhere more is this obvious than with the emergence and meteoric rise of stablecoins.

Our Columnists

Sheila Warren

CEO, Crypto Council for Innovation

Tom Brown

Partner, Nyca Partners

Wade Arnold

CEO, Moov Financial

Denelle Dixon

CEO & Executive Director,
Stellar Development Foundation

Dan Rosen

Founder & GP,
Commerce Ventures

Amanda Wick

Founder,
Association for Women In Crypto

Allan Rayson

CIO / CTO, Encore Bank

Kathryn Petralia

Co-Founder, Keep Financial

Bradley Riss

CCO, Checkout.com

The Financial Columnist 2023

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