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Articles by Timothy Li
Compliance Officer: Roles, Responsibilities, and Path to Success
Key Takeaways Compliance officers ensure companies adhere to legal and internal regulations. They manage regulatory risk by working with management and staff. Compliance officers may lead internal audits and update policies to reduce legal risks. High ethical standards and detailed knowledge are essential for compliance officers. Advanced degrees or certifications may be required for higher-level compliance positions. What Does a Compliance Officer Do?
Unlocking Long-Range Exciton Diffusion via Hydrogen-Bonded-to-Covalent Organic Framework Transformation for Photocatalytic H 2 O 2 Synthesis
This research was initiated by B.-T.L. in the laboratory of the late Professor Sir Fraser Stoddart (Northwestern University/University of Hong Kong) and completed after he joined Nanyang Technological University. We respectfully dedicate this study to the memory of Professor Stoddart. Conflicts of Interest The authors declare no conflicts of interest. Data Availability Statement The data that support the findings of this study are available from the corresponding author upon reasonable request.
Understanding Currency-Hedged ETFs: Mitigating Forex Risks
Key Takeaways Currency-hedged ETFs protect investors from exchange rate risk while providing exposure to foreign equities. These ETFs use forward contracts to guard against unfavorable currency price movements. Currency-hedged ETFs are beneficial in countries with high inflation or volatile currencies. Single-currency hedged ETFs are more common than multiple-currency ones. Management fees for currency-hedged ETFs may be higher due to trading costs.
Correction to: Nature Materials https://doi.org/10.1038/s41563-026-02662-y, published online 3 July 2026. In the version of the article initially published, in the “Topology and cage confinement” section, “…collectively generating a 2,3,6-connected ith-d topology” should have read “…collectively generating a 3,6-connected ith-d topology”. This correction has been made to the HTML and PDF versions of the article. About this article Tang, X., Wang, X., Ye, ZM. et al.
Programming local confinements in crystalline frameworks through reticular chemistry
Abstract Controlling local chemical environments within porous crystalline materials is essential for selective adsorption and catalysis, yet remains difficult in stable frameworks with precisely oriented functional sites. Here we use reticular chemistry to programme tunable confinement in triazolate metal–organic frameworks constructed from Kuratowski-type Zn5Cl4 nodes.
Joint and Several Liability Explained: Definition, Examples, State Restrictions
Key Takeaways Joint and several liability allows a suing party to hold multiple parties responsible for the full amount of damages in a lawsuit. If one party in the lawsuit cannot pay, the others are required to cover the shortfall regardless of their individual level of responsibility. Many states in the U.S. limit joint and several liability, often to cases where a party is responsible for more than 50% of the damage.
LendAPI Joins the NayaOne Tech Marketplace
LendAPI has joined the NayaOne Tech Marketplace. It’s a no-code, end-to-end digital onboarding platform that helps banks to create a complete digital onboarding experience in minutes. “We believe in partnerships and solving problems with a team of experts from all walks of life. NayaOne provides this ecosystem where the best software, platform and experts come together to solve some of the difficult issues facing us today in banking and finance.
Gann Indicators Explained: Forecast Market Trends with WD Gann’s Tools
What Are Gann Indicators? Gann indicators can help traders predict market support and resistance levels, as well as key tops and bottoms. They were developed by trader W.D. Gann. Gann angles are a core feature, and help measure price, time, and market patterns to identify potential turning points. Gann believed that past, present, and future market actions are interconnected, giving traders a way to analyze and forecast market movements.
Embracing The Evolution: Top 10 Fintech Predictions For 2024
The landscape of financial technology is undergoing a profound transformation, and as we stand on the cusp of 2024, it’s evident that the coming year will usher in a new era of innovation and adaptation. Here are the Top 10 Fintech Predictions for 2024 that will reshape the industry and redefine the way we perceive finance. The Top 10 Fintech Predictions for 2024 1.
Reducing Thrombotic Risks in Video Gamers: Investigating the Benefits of Walking and Compression Sleeves on Blood Hemodynamics
With the growing popularity of video gaming, deep vein thromboses are increasingly being reported in gamers. This study aimed to compare lower leg graduated compression sleeves and a 6-minute walking break during prolonged gaming on blood flow and hemodynamics in competitive esport players to help mitigate this risk.
Shrink Spray
At midnight, Oliver sneaks into his little brother, Jason's room. He takes the hoodie Jason had bought from the thrift store yesterday, and sprays it with a mystical substance. He watches, smiling, as it shrinks before his very eyes, then glances over to the bed where his brother remains sleeping. Sheets rustle paired with ragged breathing. Closing the door, Oliver returns to his room, tiptoeing out and barely managing to stifle a giggle. ...
Fintech Nexus 2023 - Fintech Forever
It was a warm week in New York City, and I found myself flying across the country to attend the preeminent fintech conference Fintech Nexus, previously known as LendIt Fintech. At the heels of a global pandemic, the recovering U.S. economy, and continuing regional banking crisis, we find ourselves converging again with an industrial-sized group hug. Rising interest rates, stubborn inflation, and the encroachment of AI were topics of discussion at Fintech Nexus.
How to Invest in a Socially Responsible Roth IRA
By RACHEL MURPHY | Reviewed by EBONY HOWARD | Fact checked by TIMOTHY LI May 4, 2023 Whether you have been investing for years or are just starting out, knowing what you’re investing in is important. With thousands of stocks and bonds to choose from, as well as mutual funds, exchange-traded funds (ETFs), and index funds, there are likely companies that align with your belief systems—and some that do not.
Top 10 Fintech Predictions For 2023
I started these predictions series back in 2016. Looking at the Fintech landscape today, it seems like ages ago. Plaid had just raised their $44 million series B from Goldman Sachs. LendingClub’s $3 million loan doc alternation was the scandal of the year. It was the same year that Mike Cagney resigned from SoFi and Coinbase added Ether (ETH) to their exchange for retail clients.
Mercados privados: ¿adecuados para un entorno económico cambiante?
Los mercados privados han protagonizado un crecimiento estable desde la crisis financiera, debido sobre todo a que llenaron el vacío de rentabilidad para los inversores institucionales dispuestos a aceptar los mayores vencimientos y la menor liquidez de la clase de activo. En 2022, sin embargo, las condiciones económicas están cambiando.
¿Son los mercados privados adecuados para un entorno económico cambiante?
TRIBUNA de Timothy Li, director del Equipo de Investment Specialists de Mercados Privados y Activos Reales en BNP Paribas AM. Comentario patrocinado por BNP Paribas Asset Management. Los mercados privados han protagonizado un crecimiento estable desde la crisis financiera, debido sobre todo a que llenaron el vacío de rentabilidad para los inversores institucionales dispuestos a aceptar los mayores vencimientos y la menor liquidez de la clase de activo.
Asian Infrastructure Investment Bank (AIIB): What You Need to Know
Key Takeaways AIIB, based in Beijing, has 106 member countries and focuses on infrastructure. Proposed by China as an alternative to Western financial entities. China holds about 27% of the voting shares, the highest among members. AIIB has funded 233 projects totaling $44.6 billion as of September 2023. The bank supports sustainable infrastructure and development projects in Asia. What Is the Asian Infrastructure Investment Bank (AIIB)?
How to advise patients who are gamers
“I’m going to flake and take a nap; lemme host Milk. But I’m going to stream for 14 hours tomorrow, nooooo kyaaaap. Thanks for watching everyone, see ya.” My favorite Twitch streamer ended his 12-hour stream one day with these ambitious words. And he was ready to do … 14 more? “Streaming” simply means live-recording for an audience (whether it be video games or in real life), and Twitch is a popular streaming platform where millions of viewers tune in daily to see their favorite streamers.
Two-Tailed Test: Definition, Examples, and Importance in Statistics
Key Takeaways A two-tailed test assesses whether a sample deviates significantly from the population mean by examining both ends of a distribution. This type of test is crucial in hypothesis testing, as critical results can lead to the rejection of the null hypothesis in favor of the alternative. Two-tailed tests are applicable in diverse fields, such as manufacturing, to ensure that samples meet specified quality standards.
Can You Cancel Your Home Equity Loan?
Key Takeaways You have a federally-protected right to cancel a home equity loan within three days of signing the credit agreement. The specific three-day countdown begins when you receive a Truth in Lending Act (TILA) disclosure and two copies of the TILA notice. Cancellation requires notifying your lender in writing before midnight on the third business day. If you cancel, your lender must refund any fees and relinquish all claims to your home.
The Three-Day Cancellation Rule Explained: Rescind Your Loan
Key Takeaways The three-day cancellation rule allows borrowers to cancel certain mortgage agreements within three business days without penalty. This rule applies to home equity loans, HELOCs, and refinances with a new lender, but not to most refinances with the same lender. The cancellation period excludes Sundays and holidays, beginning once the contract is signed and necessary disclosures are received.
Accounting Conventions: Types, Uses, and Financial Reporting Guide
Key Takeaways Accounting conventions are guidelines for financial reporting used by businesses. They are useful when there are no definite accounting standards. Accounting conventions ensure that financial documents are consistent. They are widely accepted but not legally binding. Get personalized, AI-powered answers built on 27+ years of trusted expertise.
Liability Insurance: What It Is, How It Works, Major Types
Key Takeaway Liability insurance protects the insured from claims due to injury or damage to people or property, covering legal costs and payouts if found legally liable. It pays third parties, not policyholders, and does not cover intentional damage or contractual liabilities. Various types, including personal and business liability insurance, cover individuals and companies against different risks and potential lawsuits.
Private Investment in Public Equity (PIPE): A Quick Capital Guide
Key Takeaways PIPE deals allow companies to raise capital quickly at a discounted share price. These transactions bypass extensive regulatory procedures found in public offerings. PIPE investments can dilute existing shareholder equity due to discounted stock prices. Structured PIPEs involve convertible securities that may require shareholder approval. Get personalized, AI-powered answers built on 27+ years of trusted expertise. What Is a Private Investment in Public Equity (PIPE)?
Sports Betting Laws: A State-by-State Guide
Sports and gambling are both major industries in the United States, but until recently, the ability to legally bet on sports was confined to just a few states.1 Thanks to a wave of new legislation, however, sports betting has become much more accessible, especially with the rise of online and mobile platforms.
Top 10 Fintech Predictions for 2022
6 years is an eternity in Fintech and this is my 6th annual Top 10 Fintech Predictions for 2022. 2021 was a great year for Fintech, billion-dollar IPOs, Crypto, NFTs, and the evolution of blockchain technology has taken over the globe. BigTech are all basically Fintechs now and I think we are just at the beginning of the “Big Melt”. 2021 was another year that all of us finally learned how to live with COVID, Delta, and the latest Omicron variant.
Apple Releases the All New “Phantom Credit Score” and it’s All Wrong
Apple CEO, Tim Cook kicked off the Apple (NASDAQ:AAPL) “spring-loaded” event and announced the biggest head-scratcher that made no sense. A big “FU” to Apple’s co-founder Steve Wozniak, Tim Cook announced a new way to “build credit” for the rest of your family that’s called “Apple Card Family”. 2 years ago, when Apple released its Apple Card in partnership with Goldman Sachs (NYSE:GS), Wozniak complained to the media that the Apple Card discriminated against his wife.
The Top Ten Fintech Predictions for 2021
Fintech enthusiasts welcome back to my 5th annual “Top Ten” Fintech prediction series. This year I’ve met a lot of powerful movers and shakers in the Fintech space. My take away from these meetings and interactions is how little do I know about this ever-expanding space. The “big bang” movement happened about 15 years ago when big banks started moving their services to the worldwide web.
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Crowdfund Insider is the leading news and information web site covering the emerging global industry of disruptive finance including investment crowdfunding, Blockchain peer-to-peer / marketplace lending and other forms of Fintech.
Lendit Fintech USA 2020 Day 2/3 - Conversations, COVID and the Show Continues
Hey Fintech enthusiasts, Tim here. The last two days of LendIt just flew by. I have to say that I had made the most amount of meetings and connections during this virtual event than the usual in-person event. Why? I teased that why virtual Lendit seems to be so efficient with my peers during many meetings that I had through Brella. I think the main reason is that we didn’t have to run around the conference grounds and excuse ourselves from sessions to meet up with people.
Lendit Fintech USA 2020 Day 1 - Creativity, Connectivity and Community
Tim here, I gotta be honest with you, I’ve attended a handful of virtual conferences this year and LendIt Fintech USA 2020 by far took the top prize home in my books. The production value is top-notch, from the studio look and feel to the smooth transition to different parallel tracks, you feel like you are part of the conference in New York but with a VIP seat front and center. The Studio Both Peter and Bo MC’ed the conference as usual.
Lendit Fintech Digital - First Impressions
Hello everyone, my last series on the Latin American Fintech revolution was inspired by LendIt Latam conference hosted in Miami back at the beginning of 2020. The Fintech world was abuzz with new ideas, innovation, and of course new territories to explore. Fast forward four months, our world has completely changed, to say the least. But If you are as big of a fan as I am of LendIt Conference, you would remember that right now, we should all be in New York City attending LendIt USA 2020, in person.
Comprehensive Guide to the Binomial Option Pricing Model
Key Takeaways The binomial option pricing model is a flexible method for valuing derivatives that uses a discrete time framework. It is particularly effective for American-style options, allowing early exercise before expiration. The model’s accuracy increases with the number of time steps, eventually aligning with the Black-Scholes model. Despite its simplicity, the model can be computationally intensive due to its iterative procedure.
Understanding Private Companies: Ownership, Types, and Characteristics
Key Takeaways Private companies are owned privately, and their shares are not traded on public exchanges. Unlike public firms, private companies don't need to file with the SEC, making them less transparent. Types of private companies include sole proprietorships, partnerships, LLCs, S corporations, and C corporations. While private firms can avoid costly IPOs, they often find it difficult to raise capital.
Reconstitution: Meaning, How It Works, Effect on Investors
Reconstitution ensures market indexes reflect up-to-date market capitalization and style by sorting, adding, and removing stocks. The frequency of reconstitution varies by the index style, occurring from daily to annually. Reconstitution impacts investor sentiment and stock prices, as securities are added to or deleted from indexes. The Russell indexes are significant; their annual reconstitution influences many other funds that track them.
FinnoSummit Latam Fintech Revolution: The Battle of the Latin America Fintech Startups!
Part 6 of a series of articles covering the fast-emerging Fintech ecosystem in Latin America. First I want to thank FinnoSummit and LendIt and all the attendees to give us a glimpse of what’s coming to this all so important part of the world, Latin America (Latam). Fintech is changing every aspect of our lives all over the world. I can’t wait to attend the next Latin America Fintech summit in Miami again in December of 2020.
FinnoSummit Latam Fintech Revolution: AI Driven Compliance and Servicing Coming to Latin America Fintech
Part 6 of a series of articles covering the fast-emerging Fintech ecosystem in Latin America. When we look at Latin America’s Fintech scene, it conjures up memories of the U.S. Fintech evolution that took place during the past decade. Or perhaps, the past decade and a half, depending on your perspective. The phrase “Wild Wide West” was often uttered by just about everyone involved in innovation in financial services in North America. That phrase was also spoken with an abundance of caution.
Arrears Explained: Definition, Examples, and Impact on Finance
Key Takeaways Arrears are overdue payments that remain unsettled after the due date, commonly affecting loans, mortgages, and utilities. Not all arrears are negative; some payments like mortgage interest are designed to be paid in arrears. Payments in arrears can offer businesses flexibility in cash flow management, allowing for cash accumulation and interest earnings. Dividends in arrears refer to preferred shareholder payments that are missed and must be disclosed in financial statements.
FinnoSummit LatAm Fintech Revolution Part 5: Non-Fintechs becoming Fintechs
Part 5 of a series of articles covering the fast-emerging Fintech ecosystem in Latin America. Technology is often the driver for massive social and economic change. We’ve seen this play out in North America, Asia, Africa and Europe. Particularly in Asia and Africa, the pervasiveness of mobile technology is quickly advancing those societies in terms of information and commerce. With 750 million people in Latin America (Latam), technology is at the forefront of its rebirth.
Impact Investing and Venture Philanthropy: Key Differences Explained
Key Takeaways Impact investing seeks profit and positive social or environmental change, often through private equity or debt investments. Venture philanthropy focuses on social causal investments with typical durations of 3 to 7 years and emphasizes capital building and performance measurement. Impact investing emerged in 2007 at the Rockefeller Foundation, unlike venture philanthropy, which dates back to 1969.
FinnoSummit LatAm FinTech Revolution Part 4: LatAm Digital Transformation and Open Banking
Part 4 of a series of articles covering the fast-emerging Fintech ecosystem in Latin America. During the inaugural FinnoSummit addressing innovations in financial services in Latin America (LatAm), the speaker and audiences settled on a big issue; infrastructure and digital transformation. Most of the Latin American countries are still using cash as their main means of payment and credit is non-existent in most parts of Latin America.
LatAm Fintech Revolution Part 3: Hunting for the Next LatAm Unicorn. Fintech Investments are Glowing Red Hot!
Whenever there’s opportunity, the money flows. There’s no exception here to a 400 million people market. Latin America is the next fertile ground for homegrown venture capitalists and international money when it comes to Fintech. U.S. and international VCs are on the hunt for the next LatAm Fintech unicorn. Everyone is vying for these elusive entrepreneurs that will take home the trophy.
The Top Ten Fintech Predictions for 2020
To my Fintech friends, this is my 4th annual “Top Ten” Fintech prediction. I started this tradition at Crowdfund Insider back in January 2017. As we are saying goodbye to an incredible Fintech year of 2019, I see another seismic change in 2020 for our industry. One which could spell the end to Fintech as we know it. Before we get there, let’s take a look at how I did last year. Here’s the link to my 2019 predictions and let’s review them one by one: 10. Consumer Lending Market Correction (Welp).
FinnoSummit: LatAm Fintech Revolution - Banking as a Service
Part 2 of a series of articles covering the fast-emerging Fintech ecosystem in Latin America. As sessions continue at the inaugural FinnoSummit by LendIt Fintech in December, I find myself in a fully packed, standing room only hall buzzing with investors and entrepreneurs. The excitement of this crowd reminded me of the early days of the Fintech era in the United States. The next person on stage is Anabel Perez of Novopayments, moderated by Mariano Carranza of Goldman Sachs.
FinnoSummit Miami: LatAm Fintech Revolution Part 1 - Death of Point of Sale Terminals and the Rise of Mobile
After an eight hour journey with a stop in Dallas, I arrived early Monday morning (Dec 2nd, 2019) in Miami, a city with many faces. I sprung up early next morning and walked straight into Keynote sessions at the FinnoSummit by LendIt Fintech. As many of you guys already know, I am a fan of Fintech and have been to just about every LendIt event here in the U.S. and abroad. However this conference is different, it first of its kind hosted by LendIt Fintech focusing on Latin America (Latam).
Soft Loans Explained: Benefits, Drawbacks, and Key Insights
Key Takeaways Soft loans often have interest holidays, lenient grace periods, and amortization terms. Multinational banks and governments offer soft loans to developing countries at below-market rates. Soft loans are used to promote economic ties and secure resources, as seen with China and Africa. Borrowers may face repayment challenges despite the advantageous loan terms. Get personalized, AI-powered answers built on 27+ years of trusted expertise. What Is a Soft Loan?
Assessor: Meaning, Certification, Why They Matter
An assessor is a local government official who determines the value of a property for local real estate taxation purposes. The figures assessors derive are used to calculate future property taxes. The assessor estimates the value of real property within a city or town’s boundaries. This value is converted into an assessment, which is one component in the computation of real property tax bills. Assessors are government officials who maintain annual assessments at a uniform percentage of market value.
Advanced Guide to Allonges: Boosting Endorsement Capacity
Key Takeaways An allonge is an additional sheet of paper attached to negotiable instruments to provide space for endorsements. The term originates from the French word "allonger," meaning "to lengthen." Allonges are mainly used in European countries with civil law traditions, but their use is declining with electronic documentation. In international trade, bills with allonges can be transferred multiple times through endorsements.
Challenges Uber Will Face Going Forward
Key Takeaways Uber may be a ride-sharing leader, but it faces several challenges both in the U.S. and worldwide. The rise of autonomous vehicles creates many challenges, including the reliance on partners and new market entrants. Uber’s bottom line could face pressure if regulations change to give drivers more protections or if they’re reclassified as employees rather than independent contractors.
Understanding Apple's Capital Structure
Apple Inc. (AAPL) is the largest and arguably most successful company of the 21st century. From its humble start in a California garage in 1976 to its over $4 trillion market capitalization, as of April 2026, Apple’s success has come from being a leading innovator, not only in the field of technology but also in finance.12 One only needs to examine the shift in the company’s capital structure to witness how quickly Apple can adapt to its environment.
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