A rocket stands on an orange planet next to a flag displaying the number H66, the number of the trimplement booth at Money20/20 Amsterdam 2018

On Our Way to Amsterdam: Money20/20 EU 2018

Every year Money20/20 conferences come to fintech cities all over the globe. Those events rank among the most important get-togethers for the finance and digital payment market. Stage talks by the who-is-who of the industry, networking areas and business opportunities with more than 1500 international companies — that’s how Money20/20 Europe will be like this year, taking place at the RAI in Amsterdam from June 4th to 6th.

And we will be at Money20/20 Europe as well!

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A lamp shining on an open book and revealing the writing '8 Must-Read Books for Fintech Founders'

8 Must-Read Books for Fintech Founders

Fintech books? Are they really a thing?

Modern financial technology is inextricably linked with the Digital Era. Mobile payment, personal finance management, and cryptocurrency trading are major application fields of fintech startups.

Thus it’s only fitting that the fintech community relies on the internet for exchanging views on the topic, too. There are fintech news platforms like Finextra or Financial News. Networking communities like Holland Fintech and meetups like Finfinity invite people to share their insights. Blogs centered around experts like Chris Skinner react on developments on short notice. It’s obvious: In-depth knowledge of financial technology is readily available and easily found online.

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The stage of Money20/20 Asia 2018

Singapore, Fintech City: Our Experiences at Money20/20 Asia 2018

Global finance is not measured in Dollars and Euros only. The Asian Nations are driven to take the lead in technology. They invest in artificial intelligence and robotics, in fintech and mobile payment. Backed by vast economies like China, India, and Japan, Asia will play a major role in the financial area. A clear sign of this growth is the existence of financial conferences popping up all over the Pacific Area. Money20/20 Asia 2018 is the most recent addition to this well-filled list. 

We have already spoken about two of them here: Hong Kong Fintech Week and the Singapore Fintech Festival showed us what’s on the horizon for Asian finance.

But we wanted to make it three — only fitting to our company name of trimplement.

In March 2018 we attended the very first Money20/20 Asia conference at the Marina Bay Sands in Singapore. And it was quite different than our two other trips to this part of the world.

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A big predatory fish facing a school of small predatory fishes, symbolizing the system architectures monoliths and microservices, respectively.

Monoliths or Microservices? A Comparison

Which Architecture Fits Your Business Best?

It’s a question no company hosting their own app or software program can avoid: Microservices or monoliths? Which system architecture shall it be? 

Skimming through the world wide web of tech talk, you might notice a distinct tendency: The Monolith seems to have fallen out of favor in behalf of microservice SOAs. But there are counter voices, too. They point out that microservice architecture comes with its own set of problems.

But what are the specific advantages and disadvantages of microservices and monoliths? First and foremost it’s all…

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Paris Fintech Forum 2018 — Our Experiences

Paris goes by many names. It has been called the City of Love.

It has been called the City of Lights.

And recently, it has been called the City of Fintech. And not without cause. From January 30th to 31st, the centre of Paris became the stage for the annual Paris Fintech Forum, hosted by Altéir Consulting. Being a fintech service provider ourselves, we spent two busy days at the conference. There, we met a multitude of people from all walks of the industry. But what was Paris Fintech Forum like?

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The conference room of the Next Generation Payments 2018 conference

Next Generation Payments 2018 — Our Review

What will the next generation of payment look like?

Tough question. But one that needs to be answered by the banking industry. Ever-accelerating technological advancements call for more flexibility on behalf of banks and financial institutions. For the 6th time, the German banking community Bankingclub GmbH has explored this topic at their annual Next Generation Payments conference. The conference took place from January 24th to 25th in Cologne.

As developers of emoney and virtual account management software such as CoreWallet and balancr we didn’t let the chance slip to attend. What we got: Two days of interesting presentations and networking well-worth a detailed conference review.

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A drawing of a wallet which is digitally connected to internet of things devices like smart cars or fridges

All the Smart Things — Fintech, Blockchain and the Internet of Things

If the rooms had ears and the furniture had mouths … oh, how would they slander about our habits behind our backs?

Well, they can already talk to us for once: Voice-controlled assistant devices like Alexa and Siri inhabit our private spaces just now. And we can easily picture them having a conversation with each other, too (even though it would be a funny one for sure). But what if our clock radio told our food processor to get that smoothie ready, for we are about to leave for work? Or our watch told our bathtub to run us a remedial bath because we’re leaving our workplace with the first stirrings of a common cold? And think of a fridge, buying food articles once it runs out of them, using its own ewallet…

That’s where we enter the domain of the Internet of Things – a domain ripe with opportunities for fintech companies. 

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A flying rocket leaving the fintech year 2017 behind, thus symbolizing an end-of-year-review

Looking back: An End-of-Year Review for Fintech 2017

You know you had it coming.

Your calendar told you well beforehand: This year is going to end soon. Which means the symptomatical end-of-year reviews are springing up all over the place.

We’ll contribute. While waving farewell to the old year, we’re looking back on our last 12 months of business. What did we experience? What did we achieve? And, looking at the whole picture, how has the fintech industry been holding up in 2017?

It will be a fintech end-of-year review featuring balancr then. Here are our highlights of 2017:

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A number of signs displaying the words InsurTech, RegTech, WealthTech, PensionTech, and PropTech

Beyond FinTech — 5 *Techs That Shake Up Their Industries

FinTech does not always equal FinTech. The number of digital tools and technological advancements rejigging the financial sector would go beyond the scope of this article. If there is one thing that is true about most FinTech solutions, it’s their focus on “personal finance”. FinTech software often allows users to manage their finances on their own. He doesn’t need an intermediary anymore, such as a human advisor or a bank — although a robot advisor could still be thrown in.

Yet, when looking at the vast variety of technologies and software applications, one thing becomes clear: FinTech has quite a few peers running the show. They are *Techs in their very own right.

Let’s take a look at what we have:

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An image of an ewallet in between symbols for three use cases for stored value transactions: A smartphone with a chat app, a forklift rental and a public library

Use Case: Using balancr for Stored Value Transaction Systems

Modern life can in many ways be broken down into a series of transactions. We give something, like information, money or services, and we get a corresponding value in return. In that regard, time really is money. And so are stored values like virtual assets, loyalty points, kilometers driven and hours of usage.

Before online access was vastly available, tracking such values was synonymous to dragging paperwork. Software experts gave us Excel, of course. But despite its name it has done very little to elevate us above the need for paper copies.

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