Financial instruments such as securities, derivatives (warrants) and money market instruments are frequently used by firms and investors today for asset, liquidity and risk management. As was made crystal clear by the financial crisis of 2008, these instruments can be useful for risk management, but if used in the wrong way, they can also have a destabilizing effect on financial markets. Financial instruments are therefore quite rightly subject to greater critical scrutiny from the public and from regulators. The latter have produced a series of rules (especially EMIR, MiFID II, MAR, CRD IV and PRIIP) in order to ensure the stability of financial markets on the one hand and to protect consumers on the other.

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Finovate has established itself as a forum to exchange ideas between the Fintech scene and well established financial service providers. This year Billingsgate Market Hall, located in the heart of London’s financial district, was the venue for the European arm of the trade fair where a total of 71 Fintechs were able to present their services to an international audience between February 7–9. CORE also attended this year, in order to identify trends and report on highlights.

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Global financial markets are currently in a state of upheaval due to technical innovations, shifting customer needs and regulatory requirements. Established structures are faced with the challenge of defending their existing value chain against new market entrants, especially in the field of payment transactions. Financial institutions are losing their grip on the opportunity for success, namely the customer touchpoint.

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