The Fintech Review is one of the annual traditions of Joe, established in 2014. Ever since shortly before Christmas we get together with Fintech entrepreneurs, event organizers, and thought leaders to look back at the year and forward to the new one in our fintech review. You can find the ones in English here on YouTube:

https://www.youtube.com/playlist?list=PLUbiCAQc22WsxyePUkzBI-LKh1y4yy0sq

In this Fintech Review, we talk to 

Paolo Sironi, Fintech Thought Leader, Author (https://www.linkedin.com/in/thepsironi/) 

Frank Schwab, Co-Founder Fintech Forum (https://www.linkedin.com/in/frankschwab/) 

Luka Ivicev, Fintech Entrepreneur, Forbes 30 under 30 (linkedin.com/in/luka-ivicevic/) 

Paolos Top 3 News

Ant Financial IPO

https://www.npr.org/2020/11/03/930799521/regulators-squash-giant-ant-ipo?t=1607260457756

Google Pay Relaunch https://arstechnica.com/gadgets/2020/11/google-pay-relaunch-transforms-it-into-a-full-fledged-financial-service/#:~:text=Google%20today%20announced%20a%20major,Pay%2C%20and%20even%20some%20banks.

Singapore allows fully digital bank license

https://www.straitstimes.com/business/banking/mas-awards-digital-full-bank-licences-to-grab-singtel-and-sea-ant-gets-digital

3b

Starling digital bank posts first profit 

https://www.financemagnates.com/fintech/news/starling-becomes-first-digital-bank-to-post-profits/#:~:text=UK%2Dbased%20Starling%20Bank%20has,million%20on%20an%20annualized%20basis.

Paolo's 2020 impact

Digitalization increases, evaluations declining 

Franks Top 3 News

Cash is still increasing ⇒ Cash in circulation in Germany increasing ⇒ Virtual ATM Songmic

Pandemic ⇒ All becomes digital

Moving from CrowdFunding ⇒ Government Help for Startups: Capilendo 

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