{"id":4818,"date":"2016-03-31T08:43:24","date_gmt":"2016-03-31T08:43:24","guid":{"rendered":"http:\/\/www.finnovista.com\/keynotejuanllanosfsbog\/?lang=en"},"modified":"2020-04-20T02:37:02","modified_gmt":"2020-04-20T02:37:02","slug":"keynotejuanllanosfsbog","status":"publish","type":"post","link":"https:\/\/www.finnosummit.com\/en\/keynotejuanllanosfsbog\/","title":{"rendered":"Regulation is the first obstacle for Fintech startups. Why not change it?"},"content":{"rendered":"<div class=\"aligncenter\"><iframe src=\"https:\/\/www.youtube.com\/embed\/q2hTrAc7-Rg\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p><span style=\"font-weight: 400;\">Technology is having a significant impact on innovation around the world. Most industries are evolving at an amazing rate and in a few years earth as we know will be completely different. Nevertheless the story with financial services is not quite the same. <\/span><b>Fintech innovations are\u00a0more difficult to\u00a0<\/b><b>introduce<\/b><b>\u00a0because every time\u00a0<\/b>a startup attempts to disrupt an industry,\u00a0regulation gets in the way. J<span style=\"font-weight: 400;\">uan Llanos, an\u00a0<\/span><span style=\"font-weight: 400;\">experienced Fintech and Compliance Executive and Advisor,<\/span><span style=\"font-weight: 400;\"> addressed the subject at the <a href=\"http:\/\/bogota.finnosummit.com\" target=\"_blank\" rel=\"noopener noreferrer\">FINNOSUMMIT in Bogota <\/a>last February 16th, <\/span>and\u00a0offered insights into\u00a0how\u00a0startups can\u00a0cope how with regulation and not lead directly into a shipwreck.<\/p>\n<p>Llanos\u00a0focused on\u00a0<strong>Regulatory Risk, which is the risk of not meeting with required obligations and therefore being subject to fines or other forms of punishment.<\/strong> \u00a0He divided up his presentation into four main subtopics: risk rationale, risk identification, risk mitigation and risk strategy.<\/p>\n<p>In the segment risk rationale, Llanos explained that regulation exists because it is trying to protect society from the loss of value, property, and, in the case of countries, the loss of power, as is the case with\u00a0international regulations and sanctions. Policy makers are concerned with negligence, imprudence, malpractice and abuse and the rules are made to avoid the happeningof\u00a0these\u00a0situations.\u00a0Understanding this is the basis for being able to build\u00a0a product that can pass\u00a0regulatory scrutiny.\u00a0Financial services entities must be responsible for protecting consumers&#8217;s funds if they are to create\u00a0trust. <strong>The bottom line is that\u00a0regulation is inevitable for Fintech\u00a0startups, yet it is\u00a0valid\u00a0and\u00a0makes sense because\u00a0there are many risks in handling money. Fintech needs to offer services in a responsible way.<\/strong> \u00a0The\u00a0question is how.<\/p>\n<p>Regulations are created by governments, who\u00a0study possible risks and later issues rules to prevent them.\u00a0The\u00a0higher the\u00a0risks a company\u00a0poses, the\u00a0higher the obligations\u00a0it will\u00a0need to comply with, such as obtaining a license,\u00a0before being able to launch its product.\u00a0With\u00a0this in mind,\u00a0Fintech\u00a0startups\u00a0must be aware that the lean startup process doesn\u2019t\u00a0really\u00a0work in financial services, so\u00a0it&#8217;s\u00a0no wonder\u00a0there is little innovation in the industry. So in order to cope with regulation,\u00a0<strong>Llanos advices building a minimum viable\u00a0compliant\u00a0product:<\/strong><\/p>\n<ul>\n<ul>\n<li style=\"font-weight: 400;\"><b>Always understand the flow of data and money<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">:\u00a0<\/span><\/span>study the regulations, and establish clearly who touches the money.<\/li>\n<li style=\"font-weight: 400;\"><b>Life-cycle management and the right mix of detective and deterrent techniques including effective training, are key<\/b><span style=\"font-weight: 400;\">: define the entire cycle of the product from beginning to end. Monitor <\/span>relationships among all entities.<\/li>\n<li style=\"font-weight: 400;\"><b>Document or perish<\/b><span style=\"font-weight: 400;\">: always leave a trail, hopefully digital.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Focus on behaviors<\/b><span style=\"font-weight: 400;\">: \u201cWhat customers do speak so loudly that I cannot hear what they are saying.\u201d<\/span><\/li>\n<\/ul>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">If the startup already has all of this in order, the only thing left to do is to change the mindset about regulation and try to perceive it as an advantage. The goal is to find a new and more favorable way to approach regulation, like David Sachs, CEO of Zenefits said \u201cFor us, compliance is like oxygen. Without it, we die.\u201d \u00a0The way to do it is by focusing on the underlying purpose and values<\/span>\u00a0of the rules, which\u00a0will <span style=\"font-family: arial, helvetica, sans-serif;\">facilitate compliance without compromising performance and choosing to spend more money on good engineers that will know how to built a tool that will pass the regulation standards instead of hiring lawyers to find loopholes. The Fintech expert explained his strategy of the\u00a0<b>three I\u2019s: Innovate, reinvent the world; Implement, set mandatory rules; Influence,<\/b> <\/span><strong>seek\u00a0to persuade the right policy makers, who have the power to change the law. The combination of the three will give as a result a Responsible Evolution.\u00a0<\/strong>To built a new world innovators will have to negotiate with the government.\u00a0 Entities\u00a0will probably need\u00a0to trade lots of data off for\u00a0up front permission from the government. It is a simple exchange of permission for transparency that will allow us to move to a more innovative future.<\/p>\n<p>Llanos concluded that\u00a0<span style=\"font-family: arial, helvetica, sans-serif;\">\u201c<strong>regulation is inevitable yet valid,\u00a0<\/strong><\/span><strong>and\u00a0c<\/strong><span style=\"font-family: arial, helvetica, sans-serif;\"><strong>ompliance results expensive yet valuable<\/strong>.\u201d Regulation is the number one obstacle to financial innovation and startups will have to cope with it. Governments will have to someday change regulation system and reinvent it to fit innovations into a new syste<\/span>m that will\u00a0equitably\u00a0protect the value of users. Innovations have put paradigms into question but there is still a long way to go and there will have to\u00a0be compromises from both sides of the industry. The Fintech expert\u00a0ended\u00a0<span style=\"font-family: arial, helvetica, sans-serif;\">his presentation with this important question:\u00a0<strong>\u201cIf we live in a very connected world, where the internet has made us all global,<\/strong><\/span><strong> why\u00a0is\u00a0sov<\/strong><span style=\"font-family: arial, helvetica, sans-serif;\"><b>ereignty still the same? If we are all global citizens today, why is jurisdiction still national or municipal or even local? Jurisdiction should be redefined to fit worldwide patterns.\u201d<\/b><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fintech innovations are a little more difficult to change because every time it is about to disrupt, it encounters with a wall we call regulation. Juan Llanos, experienced Fintech and Compliance Executive and Advisor, addressed the subject at the FINNOSUMMIT in Bogota.<\/p>\n","protected":false},"author":3,"featured_media":4819,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1010,1011,1007],"tags":[583,613,1026,584,807,941,810,881],"class_list":["post-4818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-events","category-fintech-en","category-news","tag-english-en-en","tag-finnosummit-en","tag-fintech-en-2","tag-fintech-en","tag-fsbog-2","tag-juan-llanos-en","tag-regulation-2","tag-videos-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Regulation is the first obstacle for Fintech startups. 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