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According to a forecast made by Statista Research Department in March 2022, the global Artificial Intelligence market is expected to grow up to $126 billion by 2025. Despite the traditional nature of the banking sector, financial institutions (FIs) joined the race as well. Is AI a real all-in-one solution for FIs and FinTech? What drawbacks […]
Non-dilutive capital—which refers to capital a business owner receives without requiring them to give up equity—is a popular and growing form of alternative financing for Canadian startups and SMBs. Debt capital markets have lagged behind equity markets as a viable financing instrument for startups and SMEs. Historically, lenders and providers have been few and far […]
Today we have an opportunity to reflect on all the work that has been accomplished to make Canadian financial services a gender-inclusive industry and all the work that has yet to be done. In honor of International Women’s Day, we would like to celebrate a few positive developments and highlight areas for future growth. CLA […]
Loan Monitoring and Early Warning System Raise Green Flag for Avoiding NPAs Deterioration in Microfinance Organizations
In recent years, the financial sector has been suffering from a ballooning number of bad loans and non-performing assets (NPAs). Despite decent performance showing 8% NPAs rate on June 30, 2020, the figures are expected to shoot up to 10-11% on March 31, 2022, according to S&P Global’s research. While traditional banks and large financial […]
Is your company gender inclusive? At the Canadian Lenders Association, we strive to directly address the areas in which the financial services industry still needs growth. Despite progress in recent years with some companies’ DE&I strategies (see TD case study below), many workplaces have yet to implement their own strategy for gender-inclusivity. It’s time to […]
In the past, cash flow has been a considerable challenge for small to medium sized enterprises, which typically employ less than 500 people. SMEs are vital to the functioning of the Canadian economy, and contribute almost half the GDP generated in the private sector. These businesses are Canada’s largest employer, with over 8.4 million Canadians […]
Gone are the days when venture debt was a specialty product. Today, debt markets are wide open, and it’s a tremendous opportunity for tech-focused companies. This type of lending, often referred to as “technology lending,” can turbo boost start-ups and set them up for accelerated growth—all the while keeping their equity intact. New companies can […]
Over the course of the pandemic alone, the total market cap for cryptocurrency has increased from approximately $150 billion to $2.5 trillion. Looking forward, the market is expected to grow at a compounded annual growth rate of 60.8% between 2021-2026. Regardless of whether you believe in the widespread adoption of cryptocurrency as a form of […]
November is Financial Literacy month, and one important but often-overlooked demographic in need of financial literacy is the under-18 crowd. Kids who learn the value of money and how to appropriately manage their finances are likely to grow into responsible and independent adults. The vast majority of schools, however, don’t have any educational infrastructure in […]
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The Canadian Lenders Association is committed to publish world-class research and thought leadership on key topics impacting fintech lending. The CLA’s white papers provide thoughtful analysis and insights into trends and opportunities across the sector. Our research and thought leadership offers key insights into the fintech ecosystem. With the acceleration of digitization, including automation and […]
The Canadian Lenders Association is committed to working with all stakeholders in the community to advance policy and standard at a provincial and federal level. Our Policy Committee works closely with government and other association to advocate for borrowers making sure all lenders must uphold with the values of the CLA and comply with regulatory […]