New identity verification standards for new home sales
The Home Builders Federation (HBF) has announced the launch of new and updated customer identity verification (IDV) and anti-money laundering (AML) checks following a successful 3-month consultation period run by Etive. The new process aims to improve the customer experience and align with emerging Government legislation and standards.
The HBF’s new process aims to eliminate the need for customers to show their ID separately to different parties throughout the purchase journey, reducing frustrations, costs, delays, and errors in the process. Customers will only have to prove their ID once during the home buying process.
The HBF consulted with 84 HBF members who responded to the survey, and one-to-one in-depth interviews were conducted with a range of different sized builders across the membership groups. The consultation helped the HBF develop an industry-centered set of rules that reflect good practices amongst home builders and ensure alignment to planned Government legislation.
The consultation’s output has led to the development of two new standards that go over and above the standards set out by DSIT to facilitate the selling of a home. The new standards are compliant with the DIATF and the HM Land Registry ‘safe harbour’.
Steve Turner, Executive Director of the HBF, said, “The new procedures are a huge step forward that will benefit both businesses and our customers and reduce delays, costs, and the opportunity for errors.” Stuart Young of Etive said, “A standard for IDV and AML will drive the industry towards higher standards, reducing the likelihood of money laundering and ID/property fraud, which can only benefit the sector, buyers, and the UK economy.”
The HBF is holding an online industry briefing session on Wednesday the 22nd March at 3 pm to provide further information on the new process. Those interested in attending can email Stuart at s.young@etive.org to receive details.
Photo by Dom J: https://www.pexels.com/photo/uk-driving-license-45113/
FinTech and Space ”“ propelling Scotland forward
We all know that two heads are better than one so imagine the power of two of Scotland’s strongest and most innovative industries coming together to develop tools and capabilities to tackle large scale challenges.
“FinTech meets Space” event in January was the first in a series of joint activities between FinTech Scotland and Space Scotland to spark collaboration between the two clusters and harness the power of cross sector working.
The event brought together thought leaders, industry experts, academics, government agencies, innovators and corporates to start the process of understanding how two very different industries can utilise the capabilities of each other to face off to solve real time challenges.
“You don’t know what you don’t know, so be open to possibilities” was the provocation that started the day off, and it certainly worked. Conversations ranged from the strength of Scotland as a centre of excellence in both fields, to leading edge use of Spatial data to tackle unexpected issues in the health and social care sectors, to more focussed discussions on some live use cases within Financial Services.
These examples spanned a wide range of activities, including understanding insurance risks, building confidence in investments, supporting emerging regulatory requirements and a number of areas of ESG development.
Presentations from Global Surface Intelligence, D-CAT, AstroSat and Earthblox brought some of the possibilities to life, with a joint presentation from the FinTech and Space leads at the University of Strathclyde reinforced the potential for interconnection and collaboration.
The objective of this event was to introduce and to spark conversations between the sectors ahead of a broader Accelerator programme funded by the UK Space Agency.
The programme which will run over the course of a number of months will take the live problem statements and use cases which sparked such enthusiasm in the room and create the opportunity for us to all come together and start working on some tangible prototypes and solutions
We will build on the connections made in the room to form some long lasting relationships and potentially partnerships across our sectors. The potential is vast and the opportunity for Scotland to build on our strengths in both domains to become a world leader in this area is hugely exciting”¦”¦ watch this space!
A FinTech welcome to 2023!
January 2023 marks FinTech Scotland’s 5th birthday! Across that time we’ve seen fintech numbers grow, investment build, partnerships develop, international opportunities prosper and fintech adoption accelerate.
The occasion gives us an opportunity to reflect, consider the future and celebrate the fantastic progress of fintech firms in Scotland.
Over the years these fintech businesses have grown in number, collectively raised over £530m in investment and continue to build businesses with longevity and scale in mind, that deliver positive outcomes for people, businesses and society. It’s a resilient and inspiring group of innovators and leaders and I’m looking forward to the year ahead and the future opportunities to come.
The birthday celebrations were one reason to cheer, another was the news that Stephen Ingledew, our founding father and now our Executive Chair was honoured in the New Years honours list!
A further cause for celebration on two fronts.
Firstly, it’s a richly deserved mark of Stephen’s leadership and commitment, and secondly, it’s another indication of the value that’s placed on fintech innovation across the UK. We’ve always known the value that fintech will bring and it’s given us a further spring in our step as we welcome the possibilities for 2023.
We started those possibilities with an event connecting Space innovation and FinTech innovation. On a bright morning on the 11th of January, in a room full of space tech and fintech innovators, financial and professional service experts we gathered to discuss what we could achieve if we explored the connection between Finance and, Satellite data such as earth observational data or EO to those working in the Space sector.
The answer came when we joined the dots on sustainable finance, and ESG’. There are several pioneering companies, already innovating in this space.
Trade in Space, EarthBlox, Space Intelligence or Terrabotics are great examples of fintechs using earth observational data and technology. Their capabilities can help build confidence in green investing, will shape the future of infrastructure and real estate insurance, build clarity on the environmental impact of supply chains, and help businesses demonstrate regulatory compliance!
The day set the tone for more to come, watch this space!
Data Driven Innovation continues to inspire us, and while we might be at the beginning of our work with Space to drive Climate-FinTech possibilities, other data driven innovators are striving ahead.
January has seen an even stronger renewed focus on financial inclusion, with fintechs including Inicio.ai, Amiqus, DirectID, MoneyMatix, Soar and Inbest.ai continuing to grow and deliver change for citizens across Scotland and the UK.
More than ever, we’re confident that the purpose and intent from the Scotland’s fintech community will help drive the products and services needed to help address the challenges we continue to face.
The potential for 2023 continues, with partnerships and investment top priorities. Br-dge kicked off the year announcing its partnership with Visa and its growth plans for the year ahead! Gigged.ai kicked off investment news with a £1.6m raise to fuel next stage development.
And I’m looking forward to more! Welcome 2023, I’m looking forward to seeing business grow, fintechs scale, investment continue, and more collaboration develop.
On a personal note I’m looking forward to more daytime daylight and a stretch to the evening!
I’m also looking forward to seeing you in February! Please join us on Wednesday 15 February for our first in-person gathering of the year as we celebrate success and look forward to 2023.
New scheme to improve identity checks when buying and selling property
Etive Technologies (Etive) is working with the Home Builders Federation (HBF) to support homebuilders in complying with government regulation and make identity and anti-money laundering checks easier, faster, and more secure.
Throughout the home buying and selling process consumers must provide the same information to prove their identity and confirm details about themselves numerous times. This leads to a frustrating user experience and duplicated effort and costs across the industry, with organisations paying to carry out the same checks on the same consumers.
Etive has been working with the Home Builders Federation to develop a verification scheme to address the current challenges associated with the verification process, and support compliance with the Digital Identity and Attributes Trust Framework developed by the Department for Digital, Culture, Media and Sport (DCMS).
The MyIdentity® scheme enables consumers to carry out digital identity and anti-money laundering checks and share them with organisations as and when they need to. This means checks can be carried out at the beginning of the buying/selling process, reducing customer friction and duplication of effort.
As part of this work, Etive is developing additional identity verification standards that go beyond the framework’s rules, in a bid to better meet consumer and industry needs. It has been working with a cohort of representatives from Barratt Developments PLC, Bellway PLC, Berkeley Group, Miller Homes Ltd, Persimmon PLC, Telford Homes Ltd and the Vistry Group PLC to explore these additional standards and is now seeking views from the wider industry.
A Department for Levelling UP, Housing and Communities (DLUHC) spokesperson says: “As per our commitment in the Levelling Up White Paper, essential checks to verify identity should be as streamlined as possible so home buyers and sellers do not have to go through the process repeatedly, with all the delays and extra costs this can incur.
“We are pleased to see the sector is building on the identity trust framework to make the verification process more straightforward and less frustrating for consumers.’”
A HBF spokesperson says: “Homebuilders are committed to continually improving the experience of customers and this scheme is a further demonstration of this.
“As well as simplifying the identity verification process, the scheme supports homebuilders to comply with government requirements and reduce duplication of effort so our members can focus on building much needed homes.”
The MyIdentity.org.uk® scheme needs to ensure that that it can represent the views of all new home builders. If you would like to contribute and help influence the scheme requirements fill out the online survey by the 30th January 2023.
Fintech in Scotland – Connect, Collaborate, and Cultivate
Over the last few weeks, the FinTech Scotland team has had the pleasure of working with an intern from Portobello High School as part of a Career Ready programme. It provided us with an opportunity to support a young person think about the future of work, but more importantly it helped us see through a young learner’s eyes, the excitement and curiosity fintech generates. The power of those questions from a someone with no industry baggage or background yet, is striking.
His facial expressions and questions ranged from sheer surprise to genuine delight, and with a work focus on planning the FinTech Scotland Festival we were delighted to have another set of eyes, ears and thoughts help develop the plan.
Our new young colleague summarised his experience under four key themes. In his view FinTech enables communication, connection, and collaboration, and together these are helping to cultivate the future of finance. As we look towards the FinTech Scotland Festival these themes really set the tone.
The FinTech Scotland Festival
This year We will connect and reconnect with new and old colleagues across the UK and across the world. We will share, listen, learn and have the privilege of some key messages, communicating on the journey so far and the ambition for more.
We’ll celebrate the growing strength of the fintech community in Scotland, and the brilliant entrepreneurs cultivating the future of finance and achieving record levels of investment.
Across the festival we’ll hear more about their plans and ambitions including Snugg’s plans to enable us all to make our homes more energy efficient through fintech, DirectID’s global growth in helping people get fairer access to necessary lending, and Legado’s continued focus to help us get all of our financial lives more digitally organised as we move away from paper-based experiences to digital ones.
We’ll also see Know-it who are gearing up to help businesses manage credit, and Waracle who are helping so many larger Enterprises embrace the possibility of doing business through mobile. Amiqus, will share plans on driving fairer access to better services for people, while Float will show the future of financial management for businesses through a business unique financial command centre. The list goes on and we’re proud to show the advances and flourishing potential.
We’ll also explore emerging fintech innovations, be curious about next generation finance and discover the art of the possible as we collaborate across FinTech and Space innovation to help the climate agenda.
The Festival lift off is on the 15th of September with the FinTech Summit. As ever this event and the Digit team set the scene, tone and ambition for the following three weeks where we will explore the world of fintech. We will land on the 6th of October to celebrate the journey with the Scottish Financial Technology Awards.
I’m really looking forward to it all, meeting people, learning, sharing experience and celebrating success.
And a final note of thanks to Jack, our new intern colleague. While Jack will return to school in the next few weeks, he has left an lasting impression that we’ll not forget.
Fintech driving Scotland’s inward investment success
By Kevin Reynolds, Inward Investment Specialist at Scottish Development International
It has been an excellent past month or so for inward investment in Scotland.
As Scottish Government Business Minister Ivan McKee announced at the World Forum for FDI in Edinburgh in May, Scottish Development International (SDI) statistics revealed that more than 7,500 planned real living wage jobs had been generated by inward investment in FY21/22.
The figures showed that 113 investment projects were supported by SDI, Scottish Enterprise and its partner agencies Highlands and Islands Enterprise, South of Scotland Enterprise and Skills Development Scotland in the past financial year, 39 of which were investors locating in Scotland for the first time.
These excellent results were reinforced by the publication of EY’s latest Annual Attractiveness Survey, which confirmed that Scotland was again the most attractive location for inward investment in the UK outside of London.
EY’s figures showed that Scotland secured 14% more Foreign Direct Investment (FDI) projects in 2021 compared with 2020. This helped ensure that Scotland’s investment destination attractiveness was now at record levels.
And earlier this week, a new Department for International Trade report showed a substantial increase in both the number of projects and jobs created in Scotland due to inward investment in FY21/22, compared to the previous financial year.
So, these reports showed Scotland’s continued ability to attract inward investment is clear, with the country’s software, IT and digital sectors central to this success.
SDI’s results showed that one of the most predominant sectors for inward investment was Software and IT, while EY’s figures revealed that Digital projects in Scotland rose by 73.6% in 2021 compared to 2020.
In the past financial year, SDI supported many fintech firms choose Scotland for global growth. For example, Hong Kong cyber security company PolyDigi Tech continued to expand its presence in Edinburgh. PolyDigi Tech has been involved in several programmes designed to support innovative start-ups, including EIE (Engage Invest Exploit), and was chosen as one of the Rising Stars 4.0 Scotland regional winners, an early-stage tech scaleup competition organised by Tech Nation.
And the good news keeps coming. In May, Embark announced plans to hire more than 50 people in Dundee over the next few months as it continues to develop its presence in the city.
Meanwhile, digital finance company ClearScore recently announced that it intends to create an Open Banking Centre of Excellence in Edinburgh, creating up to 100 jobs over the next few years. SDI has been pleased to engage with both companies regarding their plans for growth in Scotland.
Looking ahead, our dedicated specialists based here and in more than 30 locations around the world – alongside our prestigious international networks such as GlobalScot – will continue to promote Scotland as a perfect place for companies to locate.
Using the Scottish Government’s Inward Investment Plan as our North Star, we will focus our activities on delivering projects in opportunity areas where Scotland is a genuine world leader. One of these sectors is undoubtedly Digital Financial Services.
Scottish Enterprise has developed a national programme on the digital economy, demonstrating our own commitment to digital scale-up. Scottish Enterprise also provides investment to the wider tech sector. For example, Scottish Enterprise last year invested more than £30m into companies in the sector via our co-investment funds, investing alongside local, national and international investors from seed through to series A and beyond.
But we know this will be a partnership effort. Our Team Scotland’ approach, which sees public bodies, academia and industry working together to promote the very best Scotland has to offer, makes us stand out from the crowd. Businesses have told us that this joined-up approach is a key reason why they choose Scotland.
For example, both Scottish Enterprise and the Scottish Government have endorsed FinTech Scotland’s recently published ten-year Research & Innovation roadmap, which outlines a bold and ambitious commitment to fintech innovation in Scotland, playing on our key strengths in regulation, payments, climate finance, etc.
By bringing together start-ups, entrepreneurs, businesses and universities, we can create, co-develop and share knowledge, leading to more innovation that will help unlock Scotland’s economic potential.
Scotland’s financial services sector is rightly regarded as one of the leading finance centres in Europe. Our universities are world-renowned and the innovative technology scene in our towns and cities is second to none. When you combine these factors with our skilled workforce, Scotland is an irresistible proposition for fintech growth and development.
Scottish Enterprise is fully focused on transforming Scotland’s economy, as well as our journey towards a net zero future. Crucial to achieving this will be innovative sectors such as fintech. We look forward to continuing to work with partners across the public and private sectors, including FinTech Scotland, to ensure all our communities and regions benefit from the economic opportunities arising from fintech.
Fintech Innovation – the need for collaboration
Season 2, episode 2
Listen to the full episode here.
Whilst the fintech movement often makes headlines with those firms that are trying to replace traditional financial institutions, there are many more fintech firms out there trying to work, collaborate or sell to those incumbents to help them deliver better outcomes to their customers.
In this podcast we discuss the opportunities for increased collaboration and some of the challenges? Has the pandemic changed the state of play and what are the solutions to accelerate fintech adoption by historical brands?
This podcast will also be an opportunity to announce the launch of the fintech innovation forum at Phoenix.
Guests:
Josif Grace – CEO at Legado
Kevin Spence – Director Financial Services, Scotland & Client Partner
Andy Young – Group Head of Digital & UX at Phoenix Group
Mars mission technology can improve team meetings for introverts
Recruiting a cognitively diverse workforce is essential for productivity, creativity and innovation. People who think differently, however, also prefer to communicate differently in the workplace, too. Introverts, for example, typically prefer to take time to think before contributing. Introverts think to talk whereas extroverts talk to think. So in a normal meeting, whether virtual or face to face, the microphone will tend to be dominated by the more extroverted team members and most of the good ideas from the more introverted team members will be lost.
Our approach to this problem has been to create a workplace collaboration tool for remote meetings using technology developed for astronauts in future deep space exploration missions, successfully tested with NASA and the UK space agency.
Mars is always at least 150 times further away than the Moon and sometimes over 1,000 times further away. The distances are so vast that the radio waves or lasers which will carry the signals will take many minutes to cross the void. The delay will vary with distance but for a crew on Mars it will always be over 3 minutes one-way delay and sometimes over 20 minutes.
The delay cannot be reduced – that is set by the laws of physics – but by splitting dialog into different threads, or braids, and presenting them in a novel way we can make it feel to spaceflight crew and mission control that they are communicating normally.
Using the novel structure and rhythm required for effective remote communication in deep space also produces the opportunity for a new way of interacting during team meetings on Earth. Every participant has an exactly equal chance to contribute to the discussion. Lessons learned from developing human deep space communication technology have the potential to redesign workplace practices to be more inclusive for introverts and other groups, delivering better, more effective, meetings, benefitting the whole team and broader organisation.
For more information, please visit braided.space
Why is the FinTech Research & Innovation Roadmap so important?
Article written by Julian Wells, Director at Whitecap Consulting
FinTech Scotland, the cluster management body, recently published its 10 year Research & Innovation Roadmap. Whitecap worked in partnership with the FinTech Scotland team to support the development of this roadmap, and in the first in a series of blogs we discuss the fundamentals behind this important document.
FinTech is driving change in one of the most important parts of our economy. It presents a significant disruptive force in financial services, and will shape the future of the digital economy. It has the potential to radically change the way people and businesses engage with money, and to create a new financial system that is more effective and resilient.
FinTech Scotland’s Research & Innovation Roadmap is a 10 year plan which has been developed as an industry-led and action-focused tool to increase the positive impact of FinTech innovation across Scotland and the UK. It creates a framework and an environment to drive greater collaboration, and to build the connections that will enable responsible innovation for the future of finance.
The roadmap builds on foundations that were already established through the FinTech Scotland cluster, and sets out the cross-sectoral strategic priorities that ”“ through collective and collaborative action ”“ will shape the future of financial services, and enable Scotland and the UK to further advance FinTech innovation. It was published on the anniversary of the HM Treasury commissioned Review of Fintech led by Ron Kalifa OBE which set out a number of recommendations, including the opportunity for research and innovation to accelerate the development of cluster excellence.
Why do we need a Research & Innovation Roadmap for FinTech?
The financial services industry contributes £132 billion to the UK economy ”“ almost 7% of total economic output. It is an essential part of the full UK economy that enables prosperous outcomes for businesses and people across the UK. Its significance was highlighted by the Chancellor of the Exchequer in the recent HM Treasury report A new chapter for Financial Services’. Working with others across the economy, his vision is for “an agile and dynamic approach, one which enables those in the financial services industry to evolve and thrive as they embrace the new opportunities of the future.”
Research and innovation play a key role in the vision for the future of financial services in the UK and beyond. However, financial services and FinTech have, compared to other industries, generally not been aligned with the academic research communities. Recent analysis highlighted that research funding into these fields is as low as 3% of total UK funding1 for research and innovation.
In addition, there is a general acknowledgement in financial services, FinTech, and the academic community that current engagement has had a relatively narrow focus. The result is limited exploration of research and innovation, which means an important part of the economy is not fulfilling its full potential.
There is an opportunity to close the gap between the economic productivity of UK financial services and the current scale of UKRI investment in FinTech and financial services R&I. This can be achieved via more strategic and systematic collaboration, which can help develop the necessary FinTech innovation between the range of stakeholders. Importantly, this should be driven by a true desire for effective change, and by an industry-first real-world’ approach to the challenges ahead.
This work also supports the strategic HM Treasury Review of UK Fintech led by Ron Kalifa OBE. It recognises the value of collaboration, and the leadership that is needed to create the right conditions for FinTech to innovate, accelerate and grow.
How will the Roadmap be implemented?
The priority themes form the building blocks of the Roadmap are: Open Finance data, Climate Finance, Payments and transactions, and Financial regulation. In subsequent blogs in this series we will focus on each of these four themes individually.
The roadmap will be led and facilitated by FinTech Scotland. However, wider stakeholder participation is required to implement the R&I actions set out in this Roadmap.
Actions will be progressed through two key types of activity:
Unleashing Innovation: A series of Open Innovation Calls, using technologies and data to develop new and improved financial products and models.
A rollout plan will be developed to implement a programme of innovation calls. This will include developing a sponsorship proposition to maintain the commitment for an industry-led programme.
The initial steps for the Roadmap innovation calls include:
- Work with the Smart Data Foundry to start the implementation of the priority innovation calls identified in the Roadmap.
- Continue the work with industry stakeholders to refine a series of problem statements for each theme, ensuring industry value in the future solutions.
- Market the innovation calls across UK and international FinTech clusters, raising the profile of FinTech innovation in Scotland.
Actionable Research: Research, using technologies and data to create actionable insights that can be applied commercially using FinTech.
FinTech Scotland will engage with academic community in respect of the research topics proposed. FinTech Scotland will also engage with research funding organisations such as UKRI / Innovate UK to ensure this roadmap is fed into future funding calls.
The initial steps for research topic actions include:
- Work with university leaders to generate research briefs that directly respond to the actions identified in the roadmap.
- Establish relevant steering groups demonstrating collaboration across industry and the research community.
- Monitor and review progression (including a KPI scorecard).
Twice a year, the FinTech Scotland Cluster Management Board will measure and review the Roadmap’s progress of the Roadmap. This will be reported publicly to stakeholders in Scotland and the UK.
What will the impact of the Roadmap be?
In this blog we have outlined the requirement and benefits to bringing industry-led approach to research and innovation, but describing the impact the Roadmap can have on the Scottish and UK economy is perhaps the most compelling way to explain why this is such a vital document.
The overarching economic ambition for the Roadmap is to do two things:
- Create up to 30,000 extra jobs in Scotland.
- Increase economic value (GVA) by more than 330% ”“ from £598 million to more than £2 billion ”“ over ten years.
Taking a broader perspective, the impact of the Roadmap will be:
- To tangibly help improve lives for citizens, by tackling inclusion and health- related issues.
- To further develop Scotland as part of the UK in being a global engine room’ for FinTech and a desirable location for international FinTech companies.
- To drive innovation, supported by a world-leading reputation in regulation and compliance.
- To use Scotland’s and the UK’s natural strengths, making them a global enabler of greener’ FinTech.
A blueprint for the future
FinTech Scotland’s Research & Innovation Roadmap outlines actionable research and innovation activities that can help develop economic, environmental, and societal value for Scotland and the UK through FinTech. Successful implementation will require the engagement and co-operation of key stakeholders within the FinTech Scotland cluster, and stakeholders from across the UK and internationally. The Roadmap is the first of its kind in the UK, but the aspiration is that it has created a framework that other countries, regions or indeed FinTech sectors can learn from and adapt.
More information about FinTech Scotland’s Research & Innovation Roadmap can be found here, where the full Roadmap can also be downloaded.
FinTech research and Innovation ”“ the future of finance
This month we published our FinTech Research and Innovation Roadmap. We know more research and innovation in financial services and fintech will set us on a course to shape the future of finance.
It’s been in the works over recent months, and it’s allowed us an opportunity to hear industry, consumer academic, and innovators views on what the future of finance and fintech could be. Leading the way!
It’s a genuine privilege to hear the ambition and determination across the fintech and finance industry for a future that means less friction in financial services, enables more inclusion using technology and data, and drives climate change enabling greener investments.
The tone from all was clear, fintech will drive better financial outcomes for people, businesses, our society, and the environment. The desire for change and energy for innovation and collaboration is truly inspiring.
The report gives us a framework for focused collaboration. It identifies 4 priority themes and outlines the primary actions that will enable us all to learn, advance, and most importantly, build the right collaborations to drive and lead future fintech innovation. It was published during the first anniversary of the Kalifa review of UK Fintech where more R&D was a specific recommendation.
The first of those priority themes in Open Finance Data ”“ already an area of strength in Scotland! FinTech businesses such as DirectID, Visible Capital, Inbest, AirFunders, and One Bank all use Open Finance Data in their businesses. This experience along with the investment in the Global Open Finance Centre of Excellence, now known as the Smart Data Foundry sets us on a course to explore how Open Finance Data can change the way we do finance in the UK and across the world.
Climate Finance is another key priority ”“ a growing area of strength and focus for Scotland. FinTech businesses such as Snugg, Coastr, Pulse, Iceni Earth, Trade in Space, and Space Intelligence are all focused on using data and technology to help people and businesses make the changes needed to achieve change in the interests of the planet. These businesses are enabling a different future. The same can be said for the research community in Scotland with centres such as The Centre for Sustainable Developmentand the Edinburgh Climate Change Institute leading research and providing deeper and focused insights on climate impact. From this place of understanding more will change.
Payments and transactions’, as well as Financial Regulation’ complete the 4 priority themes. Again, both assets for Scotland, where the depth of fintech innovation, skills and expertise stand Scotland’s FinTech Cluster in great stead. More on both these themes in the coming weeks and months.
For now, we’re gearing up for UK FinTech next week. There’s a host of events in plan where we’ll have an opportunity to share the wonderful work happening across FinTech Scotland.
I’m signing off with a note of thanks and a special note of thanks to everyone who contributed to the FinTech Research and Innovation Roadmap.
The Roadmap is a true demonstration of Scotland’s FinTech Cluster at its best. It highlights the breadth of contribution to the cluster that allows us to learn, collaborate and inspire each other for development and growth. It shows how our commitment to action for positive change, and it is ambitious, challenging us to think ten years ahead so we can lead the future of finance.
I’m looking forward to seeing this advance and working with the inspiring leaders, innovators, entrepreneurs, and educators as we build and teach the future!
Thank you
Nicola