Articles for author: Ron Finklestien

Stablecoins Transforming Capital Markets

Lending markets have undergone a profound evolution, departing from traditional bank-centric structures and adopting a more diverse and technologically advanced ecosystem, especially since the Global Financial Crisis (GFC). This transformation is fundamentally reshaping the landscape of capital aggregation and distribution. Embracing Blockchain for Efficient Capital Flows The role of traditional banks in capital distribution has waned post-GFC, creating an opportunity for fintech lending firms such as SoFi and Ramp. These companies have introduced innovative solutions, including buy now, pay later (BNPL) options, by harnessing online platforms, data analytics, and machine learning. However, challenges like archaic payment systems and SME funding