Simon Deane-Johns

crowdfunding p2p finance better regulation crowd-investing innovation alternative finance peer-to-peer finance operational risk regulatory barriers competition regulation peer-to-peer lending crowd investing consumer credit linked data web 2.0 midata consumer empowerment rethinking personal data personal information management service personal data payment services payments booking apps disinformation fake news platforms online marketplaces digital strategy artificial intelligence internet of things algorithms drones cybersecurity financial services social investment policy not for profit commercial agent payment account current account gift card credit card loyalty scheme account information services psd2 e-money bill payment service technical service provider limited networks payment initiation services p2p lending lipstick on a pig securitisation sub-prime crisis merchant acquiring smes financial crisis invoice discounting renewable energy loans asset finance trade finance project finance data protection identity privacy law direct finance diversification