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Community Fintechs: How Banking in Segments is DEI in Action

Fintechs are the New Community Banks Fintechs across the world are challenging community banks by offering targeted products to niche demographics. While not banks themselves, they provide a suite of services that run the gamut of lending, savings accounts, and financial advice. Many engage in customer segmentation in order to better serve the needs of […]

Alt Data: Key to Inclusive Lending?

Alternative data is financial information not typically collected by a credit reporting agency. Unlike conventional data such as credit scores, quarterly financial statements or company filings, alternative data can drive new insights and can be leveraged for business expansion. Further, it can be used to provide credit opportunities for thin-file and no-file customers, democratizing the […]

BNPL Media Insight Report

A global study released today analyzed thousands of paid social media ad campaigns from Klarna, Afterpay and Affirm over the last 90 days. Brand Total’s research report analyzed all paid social campaigns on Facebook, Instagram, YouTube, Twitter, and LinkedIn from the three leading BNPL solutions over a 90-day period, from June 13th to September 10th. […]

A $27 Credit Card Limit

Kudos to Slice. This Bengaluru-based fintech startup just launched their new Rs 2,000 ($27) credit card. In a market where adoption rate of credit cards has remained largely stagnant over the past several years, this entry level card can drive origination of first time users and is a hook in the data lake to identify […]

Africa: A BNPL Goldmine

Larry Diamond, CEO of Zip, is on a global shopping spree: Buy Now, Profit Later. Since August 2018, when Zip app was launched in the Google Play Store, Larry and his partner, Peter Gray, have acquired PartPay Limited (New Zealand), SpotCap (ANZ), Twisto (Czech), Spotii (UAE) and, this past month, Quadpay for $430 million. The […]

BNPL in Fractions

Survey by LendingTree of 1,040 Americans found: 1/3 of consumers have used BNPL! Among those who’ve made a purchase with buy now, pay later, 62% have done so five or more times and 81% said they’re likely to use it again. Amazing stats! 2/3 of shoppers who have used BNPL said they typically buy more […]

Amazon | Affirm: The End Game?

What is Amazon’s winning formula? Besides being the paragon of logistics it has always won on consumer stickiness (Prime) and seamless checkout. Amazon filed the 1-Click patent in 1997 and it was granted by the USPTO in 1999. Besos’ 1-Click payment shopping made decisioning on your basket almost too easy. One click made any payment […]

Earned Wage Access

This month two Canadian fintech lenders made Earned Wage Access (EWA) announcements: Koho, the challenger bank launched will now allow clients to access a portion of their paycheque daily instead of waiting until the end of their two week cycle. ZayZoon, the godfather of EWA in Canada announced a partnership with Visa making it easier for […]

Flinks: What does $103M get the National Bank?

On the heels of their $11M Series A round investment in July last year, National Bank steps up to acquire a majority stake in fintech startup Flinks. What does it mean for Canada’s sixth largest lender, National Bank?  The move uncannily mirrors the US investment news that J.P. Morgan was a named investor in Plaid‘s last equity round. Are we at […]

Press Room

Click to see the breaking press releases from the our lenders and vendors as well as industry news from the Canadian Lenders Association and Canadian Fintech.  

Content & Resources

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 […]

Policy & Standards

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 […]