Kilde’s Fountain of Finance #15 - 12 August

In this edition of the newsletter, we have included exciting reports on the state of fintech in 2023 from F-Prime, the role of generative AI in banking, and an update on what Citi Group is doing for private markets.?

Additionally, we have gathered industry buzz around the upward trend of private credit and included a profile of Singapore from the Financial Times. Lastly, we discuss how bank lenders in Europe are facing a growing risk in their mortgage portfolios due to the energy efficiency of homes.

Below are the headlines and summaries, but you can go here for the more extended version of the newsletter:https://www.kilde.sg/post/kildes-fountain-of-finance-15-05-august

Our Favorite Report Round-Ups

Fintech in 2023: A Tale of Regulatory Scrutiny and Risk-Off Sentiment

The State of Fintech report by F-Prime Capital highlights that 2023 was characterised by increased regulatory scrutiny and a more risk-averse atmosphere. Despite these challenges, the influence of financial technology innovations on the financial services sector remains significant.

AI is taking the banking world by storm, and executives can't stop talking about it!

The most recent report from CB Insights highlights that Artificial Intelligence (AI) has become the prime area of focus among the top 10 US banks, with a record number of mentions during earnings calls in the first quarter of 2024.

Revolutionising Private Markets: Citi did something interesting.

Thanks to the rise of tokenisation, private markets are on the brink of a significant transformation. By leveraging blockchain technology and smart contracts, tokenisation has the potential to democratise access to the $10 trillion private asset class, unlocking new opportunities for investors and paving the way for a more inclusive and dynamic market.

Kilde’s latest scoop on investing

Private Credit Opportunities are heating up!

The private credit markets are rapidly growing in size and significance for institutional investors. With banks stepping back, managers can provide capital in direct lending, real estate debt, fund finance, and risk transfer transactions, opening up a world of opportunities for those interested in the finance and fintech industry.

Exciting article about Singapore from the Financial Times

This nation is characterised by high incomes, where most of its population resides in public housing. It represents a utopia for the private sector, yet it is a place where public service roles can yield substantial wealth. Despite a strong inclination towards autonomy from Western influence, English prevails as the principal language for instruction. Singapore stands out, a testament to its unique geographical and historical context, and its model presents a fascinating case study for those interested in the finance and fintech industry.?

Bank lenders in Europe are facing a growing risk in their mortgage portfolios: the energy efficiency of homes

In Germany, the European Union's largest economy, many homeowners need help to enhance their properties' energy efficiency. The Bundesbank has warned that this reluctance could significantly impact the value of homes and, by extension, the broader economy, a situation that all stakeholders in the finance and fintech industry should be aware of. Deutsche Bank also reports that only a tiny fraction of its residential borrowers currently need to meet the qualifications for green loans.

About Kilde’s Fountain of Finance

Our editorial team at Kilde curates valuable insights into the private credit space to keep you updated on exciting developments. Subscribe now for free and stay informed!

About Kilde

Kilde is an investment platform tailored for individuals and institutions, providing access to private credit deals supported by cash-generating assets. We offer up to 11-13% annual returns to our investors, surpassing similar risk investments yielding around 8%. We are licensed by the Monetary Authority of Singapore. Find out more: https://www.kilde.sg/