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Raising Capital in a New Era

“This time it’s different” are dangerous words, warned Sir John Templeton long ago. The market’s cycle is never different: it tips from bubble to collapse, enthusiasm to sobriety, spending to saving, the quest for return to the avoidance of risk...

Spotlight

Zenus Bank

Our mission is to take banking beyond borders. Operating in over 150 countries, we enable people and businesses to open a US bank account online, without the need to be a US citizen, resident, or company registered in the US — opening-up the security, stability and freedom of US banking to the world. As a signatory of the UN’s Principles for Responsible Banking, we are committed to making finance fair. Our state-of-the-art technology, exclusive partnerships and proprietary processes are now being made available via our Banking-as-a-Service tools to enable other businesses to create new financial experiences for their customers. We are a US digital bank with offices in Europe, the US, Central and South America. We have a diverse and inclusive team, drawing skills from multiple industries and backgrounds.

OTHER WHITEPAPERS

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whitePaper | May 6, 2020

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5 Key Challenges in Payments Modernization

whitePaper | September 30, 2022

The pandemic caused lasting changes in consumer behavior, and the financial industry must adapt to the rapidly-evolving market. Stay-at-home orders caused many to shift to digital transactions, and these new habits have dramatically accelerated the need for payments systems modernization at financial institutions of all sizes. Legacy financial systems are ill-equipped to handle the rising volume of payments. Cyber fraud concerns have also increased as fraudsters around the globe developed sophisticated new ways to exploit financial systems, at a time when many institutions are still facing staffing shortages. Combined, these factors have made modernization of payments systems a top priority. “The dialogue in the U.S. payments ecosystem has irreversibly shifted toward offering increased speed, more choices, and simpler ways of sending and receiving payments," according to a 2022 Federal Reserve report.

Meeting the EBA loan origination and loan monitoring guidelines

whitePaper | May 23, 2023

In May 2020, the European Banking Authority (EBA) published new guidelines on loan origination and monitoring that represent a demanding set of regulations aimed at enhancing banks’ lending processes from the point of underwriting to ongoing monitoring throughout the loan life cycle. Implementing these guidelines has significant implications for systems, data management and internal processes.

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whitePaper | November 25, 2021

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The rise of open banking consumer report

whitePaper | June 27, 2022

Seldom is a whole landscape changed by a singular innovation, but when it happens, it’s undeniable. Online retail, smartphones and cloud computing have all profoundly impacted the way our society operates, both in our business and personal lives.

Building a Better Banking Ecosystem with Modern Network Connectivity

whitePaper | August 4, 2022

The technology infrastructure most businesses rely on is rapidly transforming, with the cloud and AI-driven technologies becoming essential for companies to improve customer experience, optimize their operations, and address evolving regulatory requirements.

Raising Capital in a New Era