Articles featuring:
Innovation
Securitisation: active management option to boost Luxembourg hub
The overhaul of Luxembourg’s securitisation laws introduced a number of changes, notably allowing for active management and a broader scope for refinancing. Holger von Keutz, securitisation leader at PwC Luxembourg, believes that the amended law will increase the attractiveness of Luxembourg as a securitisation hub, which in turn will [...]
Originator Spotlight/Lenderwize
A fast-growing trade finance platform, Lenderwize specialises in invoice financing in the digital economy. Currently its platform provides its services to the telecommunications industry, financing invoices for the voice telecom wholesale industry, the SMS industry, the data industry, and the direct carrier billing industry. Lawrence Gilioli, founder at Lenderwize, [...]
The evolution of Bank-FinTech partnerships
Industry veteran Kate Pohl reflects on the maturation of the relationship between FinTechs and banks. She looks at the developments within the trade finance space, and how banks (and other investors) benefit from working with Traxpay, a supply chain finance platform where Kate heads up both banking and corporate [...]
Make Your Time Matter With Daniel
From working student to data scientist Hi Daniel, please introduce yourself and how you came to work at CrossLend I’m Daniel Binsfeld, born and living in Luxembourg. I did a Bachelor's degree in Economics at Munich University, and then during an internship I became interested in data science. So I [...]
Digital lenders set to see spike in demand from businesses as Covid guarantee scheme loans expire
With European government aid schemes coming to an end, digital lenders have a lucrative opportunity to write considerably more business. Traditional banks are often reluctant to dive head first into the SME sector - they often don’t have the back-end infrastructure they need to make servicing large numbers of [...]
Private debt ESG investing meets digital debt technology
Well-known in the public debt markets, Environmental, Social, and Governance (ESG) investing in private debt is attractive for investors too. Nevertheless, issues around data and scale can hamper the validation of ESG credentials within private debt. This wasn’t the case in a marquee transaction between Bikeleasing and MEAG, facilitated [...]
Making Your Time Matter With Lasma
Lasma Pakne is a UI/UX designer with CrossLend Hi Lasma, please introduce yourself and tell us what you do at CrossLend I’m from Latvia and have been with the company for two years and three months. I started as a graphic designer – I worked in that role for a [...]
BNPL – what’s next for the payment alternative that’s taken the world by storm?
Buy now pay later is a relatively simple concept and not entirely new - but it’s seen massive growth over the past two years, as e-commerce volumes boom. Widespread adoption has come from the fact that merchants love it, since it increases sales; consumers like being able to splurge [...]
‘As a Service’ companies are growing fast – and so are the demands for debt financing
Businesses and consumers alike are drawn to the convenience and flexibility offered by ‘as a Service’ companies, including companies which operate within the fields of mobility, equipment, or infrastructure like solar panels. For such companies, fast growth and scaling is often coupled with the need to invest in equipment, [...]
Transforming the complexity of Europe’s fragmented lending economy into the asset of strong diversification
Europe is simultaneously diverse and unified. We witness the trade-offs of this dichotomy every day. The beauty of being locally unique comes at the expense of less standardisation. What is good in culture and food can be a pain when it comes to accounting, lending, and regulatory environments. It [...]
How growth success factors have changed over time for European lending platforms
Over the past few years, we have engaged with more than 70 credit platforms. We have drawn many learnings from these onboarding processes. Since all of these platforms have gone through some form of due diligence process with us and since we maintain close relationships to their teams, we [...]
The rising importance of private debt as an asset class
There is an academic and slightly boring way of lecturing about private debt as an asset class. It goes somewhat like this: yields are low, new investable assets are needed, and here is a few charts about a trendline showing that the year to year growth rates are climbing [...]
Verbriefung von Forderungen wird für Banken und andere Originatoren effizienter
TXS und CrossLend vereinbaren Kooperation. Um ihre Bilanz zu entlasten, stellen Banken und andere Originatoren Forderungen zusammen, um diese an Investoren weiterzuverkaufen. Bei der Auswahl und Zusammenstellung der Forderungen werden sie von spezialisierten Dienstleistern wie der Firma TXS aus Hamburg unterstützt. TXS ist einer der führenden deutschen Anbieter in [...]
Rethinking the nature of financial systems as complex systems
The twentieth century brought a great deal of changes to the financial industry. It saw shifts in global power dynamics, the rise of central banking systems to hegemony, the divorce of money from precious metals, the advent of the forex market, the explosive growth of the derivatives market, the [...]
The potential of private credit as an asset class in the Government’s economic plan
How CrossLend’s digital debt marketplace could efficiently fund key investment objectives outlined in the Irish Programme for Government 2020 by channeling institutional private debt. The government coalition parties (Fianna Fáil, Fine Gael and the Green Party) have now put in place their programme for Government, implementation of which will [...]
Fintechs disrupt once again Contemporary brand design proves it’s more than just another pretty face
This year, CrossLend was honoured to receive two awards: German Design Award for “Excellent Communications Design — Brand Identity” and German Brand Award in the category “Excellent Brands — Banking & Financial Services” Being recognised with these made us reflect on the current state of design and branding across [...]
Supporting SME Funding as part of the COVID-19 economic recovery
Over the past few months, in the face of a global pandemic, Ireland’s health care systems and citizens have been tested by uncertainty and scarcity. As the new Irish coalition government ‘beds in’ and the economy begins to reopen, businesses now face a similar uncertainty and scarcity. But for [...]