How is Bitcoin really being used these days? It's far more of a "digital gold" than a "digital cash."
Reuters
Since its creation, Bitcoin has been many things to many people. From “magic internet money” to a “fraud” to the answer to all of the world’s financial problems, it has played thousands of ideological and practical roles.
However, the single largest ideological rift in the Bitcoin community is over which general purpose BTC should actually serve.
On one side are those who believe that Bitcoin is a sort of “digital gold” that should be held onto as a longer-term investment; on the other side are those who believe that Bitcoin is "digital cash," a transactional tool that can and should be used as an everyday investment. The entities on both sides of this argument seem to believe that if the outside world embraces their ideology, mass adoption of Bitcoin will finally occur and Bitcoin’s price will go “to the moon” at last.
The divide between these two parties has led to some significant historical moments in the cryptocurrency world--namely, the creation of Bitcoin Cash and the battle of egos that led to the creation of Bitcoin SV. The massive Bitcoin bubble that took place near the end of 2017 seems to have been driven by members of both parties.
Now that the price of Bitcoin has stagnated for months, it seems clear that BTC’s valuation won’t be exploring the cosmos anytime soon. On the other hand, Bitcoin doesn’t seem to be going anywhere, either; it continues plugging along with the occasional dip or spike.
The question is this: now that the hype around Bitcoin has (for the most part) died down, who is actually using it? Which side of the ideological divide are they on? And does it even matter?
If the Market’s Deciding, BTC is Still More of a Long-Term Investment than a “Digital Cash”
Data from Chainalysis published near the end of 2018 shows that most of the entities who hold Bitcoin are investors, meaning entities who’ve purchased Bitcoin to hold onto it for the long-term. Indeed, 6.3 billion BTC was held in accounts that had no activity in over a year.
However, Chainalysis economist Philip Gradwell told CoinDesk when the data was published that more of these investors are individuals (rather than institutions) than ever before. “There are [now] more people who are holding crypto personally” than in previous years,” he said. “...Half of available bitcoin is still held by investors, but it has gotten somewhat less concentrated.”
Indeed, according to data from Chainalysis, approximately 4.8 billion Bitcoin (about 32 percent of BTC’s total circulating supply minus lost coins) was held in personal wallets at the end of August.
This figure represented a substantial increase in the amount of Bitcoin that is held by individuals rather than companies and long-term investors. At the end of 2017, Chainalysis found that just 3.8 million BTC (26 percent of circulating supply) was in the hands of individual hodlers.
Indeed, Chainalysis found that the only a tiny minority of Bitcoin wallets hold more than 10 BTC--just 150,000 of 28.5 million (0.005 percent.)
Gradwell explained that the increased diversity in Bitcoin wealth distribution is primarily because long-term investors have sold off large chunks of their assets to newer speculators. Most of these sales occurred during the massive bubble that hit the crypto markets at the end of 2017.
Will Second-Layer Solutions Make Bitcoin More Accessible?
Gradwell said that the higher amount of individual hodlers could mean that there are a greater number of entities that would be ready to use Bitcoin to make purchase, but only if they were given the right opportunity: “they are ready – if things were to change, [if] the opportunity to spend it were to arise – to actually spend it. We’ve kind of overcome the first hurdle of adoption, getting bitcoin into people’s hands.”
But what will need to happen before investors really have the opportunity to spend their Bitcoins?
Gradwell explained that the development of second-layer solutions like the Lightning Network could encourage hodlers to make purchases. The lack of user-friendly interfaces for Bitcoin purchases also represents a serious hurdle for Bitcoin’s adoption as an instrument for everyday purchases.
Indeed, “Bitcoin had a cost and speed issue during the peak that will prevent it from becoming a practical payment network for consumer goods,” said Chris Williamson, founder of APAC marketing agency Tower Brands. “For consumer mass adoption, a cryptocurrency would need to be widely accessible, accepted as a payment method by merchants; stable, and be superior in convenience to the current payment methods (cash or credit/debit card).”
“Lightning wants to make the platform easier for consumers to adopt, but the people who love Bitcoin are losing features they care about. So, why would they promote this stuff to their friends?” he asked. “Who is going to promote this garbage on Instagram or Twitter? The only people are the ones who are invested in their protocol, which is a very small group.”
And indeed, some have pointed out that the number of transactions on the Bitcoin network has increased in recent months without the help of the Lightning Network or another second-layer solution, although the increase in transactions has not correlated to an increase in value.
Active BTC Users May Not Be Spending their Coins Outside of the Cryptosphere
For now, however, it’s important to remember that a significant portion of Bitcoin holders who active user the coins use them within the cryptocurrency ecosystem. In other words, they use Bitcoin to buy other coins rather than to buy goods and services outside of the cryptosphere. Nash Foster told Finance Magnates that it’s important to remember that “Bitcoin is also used as a reserve currency for crypto-assets.”
Nash Foster.
“The lion's share of transactions on the blockchain today are related to trading financial instruments like cryptocurrency, various tokens, stablecoins, and other derivatives,” he said. “When you get an account at an exchange, the trading pair will almost always be between Bitcoin and the other asset. You can't trade dollars for any of these things, typically, you can only trade Bitcoin or maybe Ether.”
Additionally, roughly 2.3 million Bitcoins are estimated to be held as “service coins,” meaning that they are held by accounts belonging to exchanges and other crypto service providers.
For example, “There are millions and millions of immigrants around the world who send money to their home country every month to support their families,” said Stefano Covolan, founder of Korporatio, to Finance Magnates.
“These people pay gigantic transaction fees to move money from one country to another. BTC can really help them save a lot-- keep in mind that in countries like Indonesia or Philippines average monthly salary is US$40/month. US$5 of commission means a lot for those people.”
Covolan also explained that BTC could also be useful to individuals who live under oppressive regimes. BTC can be used in “countries where it is illegal to send money outside, or where the government is controlling every single transaction.”
And indeed, crypto’s presence in the remittance market has continued to grow. There are also a few famous examples of BTC and other cryptocurrencies being used in countries that have found themselves in serious financial crises, including Venezuela and Zimbabwe.
However, until these markets are tapped for their full potential--or an amazing tool is developed to make BTC easier to use--the status quo is likely to stay the same. BTC may slowly continue to trickle into a wider array of spaces and uses, but the “to the moon” narrative is unlikely to become a reality anytime soon.
Since its creation, Bitcoin has been many things to many people. From “magic internet money” to a “fraud” to the answer to all of the world’s financial problems, it has played thousands of ideological and practical roles.
However, the single largest ideological rift in the Bitcoin community is over which general purpose BTC should actually serve.
On one side are those who believe that Bitcoin is a sort of “digital gold” that should be held onto as a longer-term investment; on the other side are those who believe that Bitcoin is "digital cash," a transactional tool that can and should be used as an everyday investment. The entities on both sides of this argument seem to believe that if the outside world embraces their ideology, mass adoption of Bitcoin will finally occur and Bitcoin’s price will go “to the moon” at last.
The divide between these two parties has led to some significant historical moments in the cryptocurrency world--namely, the creation of Bitcoin Cash and the battle of egos that led to the creation of Bitcoin SV. The massive Bitcoin bubble that took place near the end of 2017 seems to have been driven by members of both parties.
Now that the price of Bitcoin has stagnated for months, it seems clear that BTC’s valuation won’t be exploring the cosmos anytime soon. On the other hand, Bitcoin doesn’t seem to be going anywhere, either; it continues plugging along with the occasional dip or spike.
The question is this: now that the hype around Bitcoin has (for the most part) died down, who is actually using it? Which side of the ideological divide are they on? And does it even matter?
If the Market’s Deciding, BTC is Still More of a Long-Term Investment than a “Digital Cash”
Data from Chainalysis published near the end of 2018 shows that most of the entities who hold Bitcoin are investors, meaning entities who’ve purchased Bitcoin to hold onto it for the long-term. Indeed, 6.3 billion BTC was held in accounts that had no activity in over a year.
However, Chainalysis economist Philip Gradwell told CoinDesk when the data was published that more of these investors are individuals (rather than institutions) than ever before. “There are [now] more people who are holding crypto personally” than in previous years,” he said. “...Half of available bitcoin is still held by investors, but it has gotten somewhat less concentrated.”
Indeed, according to data from Chainalysis, approximately 4.8 billion Bitcoin (about 32 percent of BTC’s total circulating supply minus lost coins) was held in personal wallets at the end of August.
This figure represented a substantial increase in the amount of Bitcoin that is held by individuals rather than companies and long-term investors. At the end of 2017, Chainalysis found that just 3.8 million BTC (26 percent of circulating supply) was in the hands of individual hodlers.
Indeed, Chainalysis found that the only a tiny minority of Bitcoin wallets hold more than 10 BTC--just 150,000 of 28.5 million (0.005 percent.)
Gradwell explained that the increased diversity in Bitcoin wealth distribution is primarily because long-term investors have sold off large chunks of their assets to newer speculators. Most of these sales occurred during the massive bubble that hit the crypto markets at the end of 2017.
Will Second-Layer Solutions Make Bitcoin More Accessible?
Gradwell said that the higher amount of individual hodlers could mean that there are a greater number of entities that would be ready to use Bitcoin to make purchase, but only if they were given the right opportunity: “they are ready – if things were to change, [if] the opportunity to spend it were to arise – to actually spend it. We’ve kind of overcome the first hurdle of adoption, getting bitcoin into people’s hands.”
But what will need to happen before investors really have the opportunity to spend their Bitcoins?
Gradwell explained that the development of second-layer solutions like the Lightning Network could encourage hodlers to make purchases. The lack of user-friendly interfaces for Bitcoin purchases also represents a serious hurdle for Bitcoin’s adoption as an instrument for everyday purchases.
Indeed, “Bitcoin had a cost and speed issue during the peak that will prevent it from becoming a practical payment network for consumer goods,” said Chris Williamson, founder of APAC marketing agency Tower Brands. “For consumer mass adoption, a cryptocurrency would need to be widely accessible, accepted as a payment method by merchants; stable, and be superior in convenience to the current payment methods (cash or credit/debit card).”
“Lightning wants to make the platform easier for consumers to adopt, but the people who love Bitcoin are losing features they care about. So, why would they promote this stuff to their friends?” he asked. “Who is going to promote this garbage on Instagram or Twitter? The only people are the ones who are invested in their protocol, which is a very small group.”
And indeed, some have pointed out that the number of transactions on the Bitcoin network has increased in recent months without the help of the Lightning Network or another second-layer solution, although the increase in transactions has not correlated to an increase in value.
Active BTC Users May Not Be Spending their Coins Outside of the Cryptosphere
For now, however, it’s important to remember that a significant portion of Bitcoin holders who active user the coins use them within the cryptocurrency ecosystem. In other words, they use Bitcoin to buy other coins rather than to buy goods and services outside of the cryptosphere. Nash Foster told Finance Magnates that it’s important to remember that “Bitcoin is also used as a reserve currency for crypto-assets.”
Nash Foster.
“The lion's share of transactions on the blockchain today are related to trading financial instruments like cryptocurrency, various tokens, stablecoins, and other derivatives,” he said. “When you get an account at an exchange, the trading pair will almost always be between Bitcoin and the other asset. You can't trade dollars for any of these things, typically, you can only trade Bitcoin or maybe Ether.”
Additionally, roughly 2.3 million Bitcoins are estimated to be held as “service coins,” meaning that they are held by accounts belonging to exchanges and other crypto service providers.
For example, “There are millions and millions of immigrants around the world who send money to their home country every month to support their families,” said Stefano Covolan, founder of Korporatio, to Finance Magnates.
“These people pay gigantic transaction fees to move money from one country to another. BTC can really help them save a lot-- keep in mind that in countries like Indonesia or Philippines average monthly salary is US$40/month. US$5 of commission means a lot for those people.”
Covolan also explained that BTC could also be useful to individuals who live under oppressive regimes. BTC can be used in “countries where it is illegal to send money outside, or where the government is controlling every single transaction.”
And indeed, crypto’s presence in the remittance market has continued to grow. There are also a few famous examples of BTC and other cryptocurrencies being used in countries that have found themselves in serious financial crises, including Venezuela and Zimbabwe.
However, until these markets are tapped for their full potential--or an amazing tool is developed to make BTC easier to use--the status quo is likely to stay the same. BTC may slowly continue to trickle into a wider array of spaces and uses, but the “to the moon” narrative is unlikely to become a reality anytime soon.
Rachel is a self-taught crypto geek and a passionate writer. She believes in the power that the written word has to educate, connect and empower individuals to make positive and powerful financial choices. She is the Podcast Host and a Cryptocurrency Editor at Finance Magnates.
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As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
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As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
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- Analysis of today’s multi-layered audience segments and differences in behaviour
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-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
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As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
Speakers:
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-Federico Paderni, Managing Director for Growth Markets in Europe at X
-Jo Benton, Chief Marketing Officer, Consulting | Fractional CMO
-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
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Connect with us at:
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Much like their traders in the market, brokers must diversify to manage risk and stay resilient. But that can get costly, clunky, and lengthy.
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Connect with us at:
🔗 LinkedIn: / financemagnates-events
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Connect with us at:
🔗 LinkedIn: / financemagnates-events
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Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
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-Matthew Smith, Group Chair & CEO at EC Markets
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-Gil Ben Hur, Founder at 5% Group
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Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
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-Which features, assets, and tools gain the most traction, and where brokers should look for tech-driven retention?
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-Stephen Miles, Chief Revenue Officer at FYNXT
-John Morris, Co-Founder at FXBlue
-Matthew Smith, Group Chair & CEO at EC Markets
-Tom Higgins, Founder & CEO at Gold-i
-Gil Ben Hur, Founder at 5% Group
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When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
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-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
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When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
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Key Themes:
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- Aligning broker incentives with long-term regional strategies
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-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
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When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
