Spamdex - Spam Archive

Report spam

Send in your spam and get the offenders listed

Create a rule in outlook or simply forward the spam you receive to

Also in

Interesting rates (and times) for p2p platforms and digital banks

View this email in your browser
The Week in Alternative Finance

Interesting rates (and times) for p2p platforms and digital banks

P2P lending was born into what feels like an ancient era when it comes to interest rates and central banking. At Zopa’s 2005 launch UK interest rates were just less than 5 per cent. However, P2P’s big growth came during an era of ultra-low levels of interest rates: 2011-2018.

While today interest rates are about a sixth of 2005 levels, and few think they will return to those levels anytime soon (if ever), last week did of course mark the second interest rate rise in a decade and their highest level since 2009. What does this mean for the UK’s digital banks and non-bank lenders?

Kicking off the debate, AltFi’s David Stevenson says it is broadly bullish while RateSetter’s CEO Rhydian Lewis says it will be interesting to see how long banks take to pass the full increase on to savers. “[Their] past track record is appalling,” he notes. Readers’ comments welcome!

Speaking of banks, MarketInvoice has struck a strategic deal with Barclays.

Elsewhere last week, Starling struck its first banking-as-a-service partnership, Crowdcube saw its strongest ever quarter - including seeing Revolut’s 2016 investors score a 1,900% return and a fund manager at Janus Henderson has called for better disclosure and track records from P2P lending and alternative credit platforms and funds hoping to attract institutional money.

For those interested in the fintech disruption to wealth management and investing, please join us at the second Digital Wealth Forum on 2nd October to hear from the latest platforms and entrants hoping to grab a slice of the £1trn managed by incumbent wealth managers.

AltFi Amsterdam Promo Video

Peer-to-peer pioneer Zopa raises another £44m

But the fundraise is yet to close, with further tranches of investment expected.

Starling strikes first banking-as-a-service partnership
Savings marketplace Raisin has hooked up to Starling using its API.
Higher interest rates are a bullish signal for peer-to-peer platforms and digital banks
AltFi's David Stevenson argues that a series of interest rate rises over the next few years will not hamper the growth of fintech disruptors in the lending and banking markets.
Crowdcube sees strongest ever quarter
The crowdfunding platform clocked up nearly £50m of cash raises in the second quarter of the year.
Tech behemoths are beating banks in The Great Fintech Patent Race
A new report analysing 100 million patents shows Bank of America is top for blockchain patents while IBM’s fintech patent portfolio is 5 times larger than the 15 largest banks'. Combined.
Revolut crowdfunding investors toast 1,900% return
Two years after raising cash through Crowdcube the digital banking challenger has seen its valuation soar from £42m to over £1.2bn.
Santander unveils first Open Banking integration with savings app Moneybox
The integration has been high on Moneybox users’ wish-list.
MarketInvoice strikes strategic deal with Barclays
The bank will be using MarketInvoice’s technology to provide invoice financing to its business customers.
Robo adviser lands IFA partnerships through white label strategy
As the debate rages among ‘pure’ automated robo advisers and hybrid offerings, one wealth management firm is stealthily white-labelling its digital wealth platform to ‘traditional’ IFAs.
Fund manager calls for better disclosure and track records from P2P lending and alternative credit platforms and funds
A veteran multi-asset fund manager offers some advice as to how P2P lenders and other online lending investment platforms can bolster investor confidence.
Robo adviser strengthens team with new senior hires
With plenty of experience of the traditional financial industry the firm has ambitious plans to encourage more and more customers to embrace digital wealth management.
P2P fund hit with June loss while portfolio transition accelerates
Last week’s collapse of an invoice finance platform, part owned by the fund, has meant investors have seen a fall in its net asset value.
A proposed solution to the challenges of retail disclosure
More disclosure does not always equate to better disclosure, argues AltFi Data founder Rupert Taylor.
Will Europe’s fintech banks conquer North America?
Revolut and N26 will be launching in the US soon, but what sort of market will they be entering? 
FCA chair warns on (possible) future fintech dystopia
Charles Randell, chair of the Financial Conduct Authority and the Payment Systems Regulator recently said that a possible trio of ongoing trends powering disruptive finance, if left unchecked, could turn nasty.
Fund managers back AI and fintech for next disruptive 'revolution'
Is banking heading for a ‘Kodak’ moment? Janus Henderson’s technology fund management team think it might just be around the corner.
Funding Circle: Majority of UK small businesses would vote remain in a second referendum
The finding is based on a survey of nearly a thousand Funding Circle borrowers.
From all at AltFi,
Have a great week!

Please get in touch with any questions, comments or feedback 
You're receiving the UK Newsletter.
If you'd like to stop AltFi newsletters
Change preferences 
Copyright © 2018 AltFi, All rights reserved.
 You are receiving this email as a subscriber to AltFi News.


All titles, content, publisher names, trademarks, artwork, and associated imagery are trademarks and/or copyright material of their respective owners. All rights reserved. The Spam Archive website contains material for general information purposes only. It has been written for the purpose of providing information and historical reference containing in the main instances of business or commercial spam.

Many of the messages in Spamdex's archive contain forged headers in one form or another. The fact that an email claims to have come from one email address or another does not mean it actually originated at that address! Please use spamdex responsibly.

Yes YOU! Get INVOLVED - Send in your spam and report offenders

Create a rule in outlook or simply forward the junk email you receive to | See contributors

Google + Spam 2010- 2017 Spamdex - The Spam Archive for the internet. unsolicited electric messages (spam) archived for posterity. Link to us and help promote Spamdex as a means of forcing Spammers to re-think the amount of spam they send us.

The Spam Archive - Chronicling spam emails into readable web records index for all time

Please contact us with any comments or questions at Spam Archive is a non-profit library of thousands of spam email messages sent to a single email address. A number of far-sighted people have been saving all their spam and have put it online. This is a valuable resource for anyone writing Bayesian filters. The Spam Archive is building a digital library of Internet spam. Your use of the Archive is subject to the Archive's Terms of Use. All emails viewed are copyright of the respected companies or corporations. Thanks to Benedict Sykes for assisting with tech problems and Google Indexing, ta Ben.

Our inspiration is the "Internet Archive" USA. "Libraries exist to preserve society's cultural artefacts and to provide access to them. If libraries are to continue to foster education and scholarship in this era of digital technology, it's essential for them to extend those functions into the digital world." This is our library of unsolicited emails from around the world. See Spamdex is in no way associated though. Supporters and members of Helping rid the internet of spam, one email at a time. Working with Inernet Aware to improve user knowlegde on keeping safe online. Many thanks to all our supporters including Vanilla Circus for providing SEO advice and other content syndication help | Link to us | Terms | Privacy | Cookies | Complaints | Copyright | Spam emails / ICO | Spam images | Sitemap | All hosting and cloud migration by Cloudworks.

Important: Users take note, this is Spamdex - The Spam Archive for the internet. Some of the pages indexed could contain offensive language or contain fraudulent offers. If an offer looks too good to be true it probably is! Please tread, carefully, all of the links should be fine. Clicking I agree means you agree to our terms and conditions. We cannot be held responsible etc etc.

The Spam Archive - Chronicling spam emails into readable web records

The Glass House | London | SW19 8AE |
Spamdex is a digital archive of unsolicited electronic mail 4.9 out of 5 based on reviews
Spamdex - The Spam Archive Located in London, SW19 8AE. Phone: 08000 0514541.