Insights

Fasanara Capital has a front row seat to the evolving asset class of Fintech Lending and investing in the Digital Future. We’re constantly assimilating information, speaking with innovators, and developing our theses

Featured Insights

podcasts

20 November 2024

Rethinking Banking: Navigating Digital Fragility and Systemic Risk

The conversation explored the evolving vulnerabilities of the banking system in the digital era, emphasising the increased fragility due to instant depositor mobility enabled by technology and discussed the potential of alternative lending structures like narrow banking to mitigate systemic risks. It also highlighted the need for regulatory frameworks to adapt swiftly to these changes while considering the broader implications on innovation, systemic stability and economic sustainability.

blog

1 March 2024

Book Launch - The Future of Finance

As pioneers in fintech lending, Francesco Filia & Daniele Guerini have helped drive the development of this multi-billion dollar industry. Their new book ‘The Future of Finance' tells the story of this emerging asset class and its intersection with the rise of decentralised finance.

scenarios

4 January 2021

Digital Future

Use Of Digital Technology To Build Resilient Portfolios. Going Beyond 60/40 Traditional Asset Allocation

scenarios

20 October 2020

The Market Economy In 2025: A Visualization Exercise

Is there a silver lining emerging from chaos? Is there a better future lying in waiting after the tumultuous ride ahead? We think so. The market economy of 2020 was entirely predictable.

podcasts

14 November 2024

Francesco Filia invited on 'The Naked Short Club' to discuss Fractionalised vs. Narrow Banking & Fintech And More

Post-Election: the US Economy & the Dollar; Emerging Markets: Burdens vs. Opportunities; Future of Finance: Fractionalised vs. Narrow Banking & Fintech. Experts, Stephen Pope (University of Maryland) & Francesco Filia (Fasanara Capital) join host, Dr. Stu on the N@ked Short Club

blog

30 August 2024

Fiscal Hubris: Lessons from History

As we progress through elections over the remainder of 2024, the rhetoric of increased fiscal spending will likely dominate the political discourse. However, history teaches us that such an approach is fraught with risks.

blog

26 July 2024

Recession Risk Looms

Inflation has significantly declined since the 2022 CPI peak of 9.0%, but the current level of 3.0% is above the Fed’s 2.0% inflation target. The risk is that additional disinflation may occur by year-end and into 2025 and, therefore, monetary policy will be too tight as real rates rise. We believe that the likelihood of a recession, stemming from the rapid rate hikes, has been delayed but not derailed, as monetary policy works with a lag.

blog

23 April 2024

Fintech Lending Strategies Have Been Able to Generate Robust Performance

Technology-enabled corporate receivables and consumer lending strategy market leaders, such as Fasanara, have a long history of generating strong, consistent investment performance for their investors. This long successful track record is reflective of having a distinct investment process, extensive operational scale and advanced credit risk management.

podcasts

19 March 2024

Francesco Filia invited on 'The Naked Short Club' to discuss forthcoming book, 'The Future of Finance'

The book examines fintech lending as an alternative to traditional banking, highlighting its rise over the past decade, particularly its role in providing credit to small and medium enterprises (SMEs) and consumers often overlooked by traditional banks.

blog

5 March 2024

Fintech’s Evolutionary Dance: The Cycle of Bundling, Unbundling and Rebundling

The strategies of bundling, unbundling and rebundling have marked the progression of services and products, mostly digital, offered to consumers. This dynamic interplay, deeply rooted in the industry's fabric, reflects its response to technological advancements, regulatory changes and consumer preferences, shaping a landscape where agility and innovation thrive.

blog

8 February 2024

The Silent Revolution: The Shift Towards Asset Tokenisation in 2024 and Beyond

Tokenised private credit, introduced in 2021, offered a middle ground in the risk-return profile within the crypto market, providing attractive risk-adjusted, non-correlated returns.

blog

17 January 2024

Rethinking Fintech: Dispelling Myths and Embracing Realities

This exploration investigates the notable rise of fintech from a niche sector to a driving force, challenging traditional banking norms and embracing the dawn of technological innovation.

scenarios

9 January 2024

Redefining Financial Stability: Narrow Banking Excels in the Digital Age

The role of asset managers and fintech lending platforms as real 100% “equity” banking stabilisers.

blog

1 November 2023

Expanding Portfolio Diversity Through Fintech-Enabled Private Credit

Institutional demand for private credit strategies has grown significantly over the past decade, and the outlook for private credit is very favorable given the regime shift to a higher interest rate & inflation environment.

blog

22 August 2023

Revenue-based Financing: Origination and fee models

Revenue-based financing started gaining popularity by the end of 2021 when the VC funding was starting to dry up and the startup valuations had peaked. Startup founders got easily comfortable with the RBF product due to its quick turn-around time and non-dilutive nature.

scenarios

14 July 2023

Fintech Lending and the Platform Economy: A New Paradigm in Financial Networks

In the annals of finance, we are at the precipice of an epochal shift. As we peer into this new world, one thing is clear – Fintech Lending is at the heart of the transformation.

blog

10 July 2023

Constructive Conditions for Consumer Loans

While the art of perfect market timing is a chimera, even in an age of AI, there is clear evidence that risk adjusted returns in consumer loans are on a trajectory of strong recovery that will benefit the asset class for the foreseeable future.

blog

7 June 2023

DeFi: Rising from the Ashes or Never Really Dead?

Discover the untold resilience and unstoppable growth of decentralized finance (DeFi). This insightful piece reveals promising indicators and breakthrough innovations powering DeFi's revolution, painting a vivid picture of a financial future being reshaped like never before.

scenarios

4 April 2023

The Recent Banking Crisis & The Impact On Fasanara’s Alternative Credit Strategies

This note summarizes the many interconnected drivers of the current crisis impacting US banks, the US government and Federal Reserve response, and the likely consequences for credit availability and lending standards.

All CategoriesScenariosBlogFintech Digest

scenarios

10 January 2018

Fragile Markets On The ‘Edge Of Chaos’

Financial markets are complex adaptive systems, where positive feedback loops undermine resilience and bring to the brink of critical transformation

scenarios

20 November 2017

Positive Feedback Loops and Financial Instability: The Blind Spot of Policymakers

A Dangerous Market Structure is More Worrying than Expensive Asset Valuations and Record Debt Levels

scenarios

11 September 2017

German Bunds have never before been this expensive: the ‘Real Rate to Growth’ Ratio

Measuring the Bond Bubble

scenarios

24 August 2017

The S&P has never before been this expensive: the ‘Peak PEG’ Ratio

Measuring the Equity Bubble

scenarios

25 July 2017

Twin Bubbles Meet Quantitative Tightening

scenarios

17 January 2017

The Future Is Wide Open: Avoid The ‘Illusion Of Knowledge’ Trap

scenarios

7 June 2016

The Market Economy in 2020: a visualization exercise

The Emergence of a New Monetary Orthodoxy

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