{"id":27177,"date":"2021-10-19T15:20:37","date_gmt":"2021-10-19T15:20:37","guid":{"rendered":"https:\/\/codeandpepper.com\/?p=27177"},"modified":"2021-10-28T14:05:20","modified_gmt":"2021-10-28T14:05:20","slug":"fintech-wire-51-weekly-news-12-18-october-2021","status":"publish","type":"post","link":"https:\/\/codeandpepper.com\/fintech-wire-51-weekly-news-12-18-october-2021\/","title":{"rendered":"FinTech Wire #51: Biggest Equity Crowdfund on Crowdcube, UK FinTech Adoption Reaches 86%"},"content":{"rendered":"\n

This week the savings platform Chip breaks records<\/strong> with its crowdfunding round held on Crowdcube. Meanwhile, Plaid<\/strong>, the open banking company, has released a report revealing that more people use financial technology than video streaming services or social media. Read on for more insights from this research as well as a breakdown of new product launches from Credit Kudos<\/strong>, ilumoni<\/strong>, and GoHenry<\/strong>.<\/p>\n\n\n\n\n\n\n\n

\"Weekly<\/figure><\/div>\n\n\n\n

Weekly FinTech news digest: 12\u201418 October 2021<\/h2>\n\n\n\n

Credit Kudos launches open banking credit score<\/h1>\n
\n
\n \"Credit <\/div>\n
\n

The scoring system uses machine learning and data collected via open banking<\/h2>\n <\/div>\n <\/div>\n
\n

Credit Kudos has launched Signal<\/a>, a credit scoring system that combines machine learning and open banking insights. Signal is supposed to make accurate predictions about repayments and creditworthiness. These predictions aim to help lenders cut down defaults and serve more customers by offering a more precise understanding of a potential customer\u2019s financial situation. As regulations require lenders to stay transparent and fair, Signal provides explanations for how it decided an individual\u2019s score. According to Credit Kudos<\/a>, the model has already led to notable results, with one of the lenders using Signal reporting a decrease in overall default rates from 11.7% to 9.7% and a rise in acceptances from 17.5% to 29.8%.<\/p>\n

Read more about open banking<\/a><\/b><\/p>\n <\/div>\n \n \n<\/svg>\n<\/article>\n\n\n\n

ilumoni launches borrower wellbeing app on iOS and Android following \u00a31.63m investment<\/h1>\n
\n
\n \"ilumoni <\/div>\n
\n

The app also received FCA authorisation this year<\/h2>\n <\/div>\n <\/div>\n
\n

Barnsley-based ilumoni has officially launched its borrower wellbeing app<\/a> on both iOS and Android. The app is free to use and helps users manage their borrowing and take advantage of better repayment options. ilumoni<\/a> gathers the user\u2019s financial data from bank accounts, credit cards and reports, then offers AI-based recommendations for products and repayment alternatives, accounting for the user\u2019s personal goals. The app also breaks down the user\u2019s interest costs and payment timeframes on each account. Apart from the launch, ilumoni can boast overall \u00a31.63 million in investment and FCA authorisation granted earlier this year.<\/p>\n

Read more about mobile app development<\/a><\/b><\/p>\n <\/div>\n \n \n<\/svg>\n<\/article>\n\n\n\n

Chip closes biggest ever equity crowdfund on Crowdcube, raising \u00a311.5 million<\/h1>\n
\n
\n \"Chip <\/div>\n
\n

The record-breaking round saw Chip raise \u00a31 million in less than 10 minutes<\/h2>\n <\/div>\n <\/div>\n
\n

Chip<\/a> has just concluded the biggest ever equity crowdfund<\/a> on Crowdcube<\/a> with \u00a311.5 million received from 12,954 investors. The crowdfunding round had even more exciting milestones, hitting \u00a31 million in under 10 minutes and over \u00a38.6 million in less than 48 hours. This new record comes after Chip\u2019s other successes such as increasing its revenues by 500% or attracting 400,000 users, in part due to new product launches, one of which we reported on in FinTech Wire #31<\/a>. When considering the company\u2019s next plans, CEO Simon Rabin<\/a> said, \u201cFrom a product perspective, we\u2019re looking at more market-leading savings accounts, more investment funds, and more automatic investing. We also have aggressive growth plans, across several marketing channels, as we aim to increase our user base further.\u201d These goals are also aligned with Chip\u2019s ambitions to become the next FinTech Unicorn.<\/p>\n

Read more about FinTech investment trends<\/a><\/b><\/p>\n <\/div>\n \n \n<\/svg>\n<\/article>\n\n\n\n

GoHenry launches new financial literacy tool for children<\/h1>\n
\n
\n \"GoHenry <\/div>\n
\n

Money Missions will teach children and teens money management basics<\/h2>\n <\/div>\n <\/div>\n
\n

The financial learning app GoHenry<\/a> has launched a new tool to promote financial education<\/a> among children aged 6-18. Through gamification, Money Missions teaches kids how to earn, save, and invest money, spend responsibly and manage credit money safely. The interactive tool includes animated videos and quizzes through which young users can earn points and badges. One of the parents whose daughter took part in beta testing underlined the sense of achievement that came with completing the missions. By educating through entertainment GoHenry continues to fulfil its goal of empowering children and teenagers to gain real-world financial skills.<\/p>\n

Read more about Generation Z\u2019s financial habits<\/a><\/b><\/p>\n <\/div>\n \n \n<\/svg>\n<\/article>\n\n\n\n

FinTech adoption reaches 86% in the UK, according to research led by Plaid<\/h1>\n
\n
\n \"FinTech <\/div>\n
\n

More people use FinTech (86%) than streaming services (78%) or social media (72%)<\/h2>\n <\/div>\n <\/div>\n
\n

The open banking platform Plaid<\/a> has published a new report, The FinTech Effect 2021<\/a>, on the use and impact of financial technology. Conducted in association with the Harris Poll, the research shows that FinTech reached mass adoption this year, with 86% of UK consumers using technology to manage their money. Consumers cite saving time (93%) and money (78%), getting help at making smarter financial decisions (73%), and reducing financial stress (71%) as top benefits that make them turn towards FinTech. 71% of respondents also reported that the more they use financial technology, the more their confidence about their finances increases. Growing use of FinTech products also translated into increased trust in digital finance tools for 76% of consumers.<\/p>\n

Read more about user\u2019s trust in FinTech<\/a><\/b><\/p>\n <\/div>\n \n \n<\/svg>\n<\/article>\n\n\n\n

Already wondering what the hottest headlines will be next week? Follow us on LinkedIn<\/a>, Twitter<\/a>, and Facebook<\/a> and never miss your top FinTech news.<\/p>\n","protected":false},"excerpt":{"rendered":"

This week the savings platform Chip breaks records with its crowdfunding round held on Crowdcube. Meanwhile, Plaid, the open banking company, has released a report revealing that more people use financial technology than video streaming services or social media. Read on for more insights from this research as well as a breakdown of new product Read the full article…<\/a><\/p>\n","protected":false},"author":20418,"featured_media":27178,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1641],"tags":[1766,1706,1691,1700],"class_list":["post-27177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-wire","tag-crowdfunding","tag-fintech-industry","tag-generation-z","tag-uk-fintech"],"acf":[],"yoast_head":"\nFinTech Wire #51 - Weekly news digest 12-18 October 2021 | Code & Pepper<\/title>\n<meta name=\"description\" content=\"This week's hottest news: Chip\u2019s crowdfund breaks records on Crowdcube, Plaid shares research on the use and impact of FinTech, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/codeandpepper.com\/fintech-wire-51-weekly-news-12-18-october-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FinTech Wire #51 - 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