How FinTech can Overcome Challenges and Surge Towards the Future

The biggest opponent that fintech faces is a combination of itself and the regulatory environments that the technology finds itself in. Fintech shows a lot of promise in terms of solving some of the problems that are created by an underbanked population. Financial technology investments are also soaring, indicating that a revolution is imminent. For fintech to finally take off and become something more than digital wallets, a few changes need to be made.

Trust

One of the key aspects to fintech in the coming years will be trust, and not in the “build a warm relationship with customers” sort of way. Brand recognition will likely play a role in the future, but fintech will need to overcome challenges related to security that modern banks don’t contend with. For instance, the disappearance of bitcoins from Mt. Gox puts a major hole in the silver lining for bitcoin and cryptocurrencies. Renewing that trust will be crucial for fintech startups moving forward.

Big Data

Big data has become more than just a buzzword because it powers nearly everything we do. Big data can tell companies about customer behaviors and  provide insight into buying habits. It can also crowdsource certain decisions, or provide a crowdsources index similar to the volatility index. The range of applications for big data are nearly limitless.

Regulation

Perhaps the largest area ripe for disruption is regulation. Often times, well-meaning regulation can end up crippling banks and startups trying to provide a basic service. There is no quick fix, except to vote for representatives who do not engage in knee-jerk politicking. Yet even the best of intentions can have unintended consequences.

Bio: Firoz Patel is a recognized leader with a vision for the future of the payment processing market. Firoz Patel was the former CEO of AlertPay Inc., and the current Executive Vice President of the Payza platform.

The Basic Components of Labeling an Oligo

Summary: Here is a brief guide to the main components of the labeling process.

Labeling an oligonucleotide can be achieved through a radioactive approach, using chemiluminescent methods or by fluorescent label techniques. When you look in-depth into the labeling process, there are three main components that you should know: a space, a signalling moiety, and a reactive group.

A spacer is what separates the luminescent moiety from DNA within the molecules and also has the ability to draw a fine line between hydrophilicity and hydrophobicity. What it also does in terms of the label itself is that it can modify the flexibility and spacing of the label in regards to the DNA.

What is a signalling moiety? It’s either a molecule like a fluorophore, fluorescein or an enzyme. Each type caters to a different type of labeling technique. For instance, fluorescein is used via direct labeling and enzymes are used for indirect labeling. It’s important to note which molecule falls with their compatible labeling type.

The reactive group is what attaches the label itself to the oligonuclotide. One of the most important components of the entire process, it generates the means of conjunction.

Some common types of labeling reactions include: the reaction of an alkyne-modified oligonucleotide with an azide-modified label to end up creating a triazole linkage, and also the reaction of an azide-modified oligo with an alkyne-modified label to create, also, an azide-modified label.

When it comes to multiple labels, there is a process that utilizes dual-labeled probes. Also known as the hydrolysis probe, multiple dyes label the oligonucleotide and through hydrolysis, an increase in fluorescence is received.

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