- Finance Pulse
- Posts
- Code, Capital, & Collateral: A Fintech Playbook
Code, Capital, & Collateral: A Fintech Playbook
Learn how fintech founders can perfect pitches, why quantum tech is reshaping cybersecurity, and how IP is unlocking new financing opportunities.
In today’s Finance Pulse, gain insight into how:
Fintech founders can craft pitches that balance vision and practicality to win over banks and investors.
The convergence of quantum computing and cybersecurity is driving the need for quantum-safe encryption sooner than you think.
Innovative IP-backed financing is redefining capital markets, turning intangible assets into insurable, growth-enabling collateral.
Each of these articles is penned by members of Forbes Finance Council, key luminaries shaping the future of finance.
Fintech founders seeking to partner with banks must strike a balance between vision and practicality. Forgetting one or the other? That’s a hard “no.”
Here’s how to stand out:
🌟 Story + Substance: A great pitch blends a compelling “why it matters” narrative with clear, grounded details on “how it works.” Inspiration alone won’t land the deal.
🚫 Learn from “No”: Rejection isn’t failure—it’s feedback. Dig into why they said no (timing, budget misalignment, etc.) to refine your pitch and strategy.
💡 Empathy Beats Ego: Pitch your solution around a bank’s priorities: deposits, noninterest income, efficiency, or fraud prevention. Focus on solving their pain points, not selling your idea.
📋 Map the Network: Banks involve multiple stakeholders. Use “network maps” to identify decision-makers, influencers, and potential roadblocks within the organization.

Still Interested in Forbes Finance Council?
As a member, you'll receive:
- Publishing Opportunities: to share your expert insights on Forbes.com through Expert Panels and bylined articles.
- Executive Profile: a professional, SEO-friendly profile on Forbes.com.
- Networking Benefits: access to a member portal to connect with other world-class finance leaders.
- And Much More: from premium travel and lifestyle benefits, to exclusive, virtual knowledge sharing events, members join Forbes Finance Council to learn and grow with their peers.
Click the button below to continue your application today.

Why Quantum, Why Security, Why Now?
As quantum computing advances, the stakes for cybersecurity couldn’t be higher. Quantum isn’t just the future; it’s the present. The race to prepare is on, and success means getting ahead of quantum threats while embracing its immense possibilities.
Here’s what leaders need to know about this rapidly evolving landscape:
💻 The Quantum Disruption: Quantum computers could break today’s encryption in minutes—but they can also create impenetrable security systems using quantum key distribution (QKD).
⏳ The Clock Is Ticking: Hackers can steal data today and decrypt it later when quantum tech matures. Quantum-resistant encryption is the next frontier—and it needs adoption now.
🔎 Take Action: Businesses should audit their current encryption, train teams on quantum risks and tools, and align with global standards, such as NIST’s post-quantum encryption algorithms.
🚀 Innovation Potential: Beyond challenges, quantum computing offers unprecedented opportunities to lead on secure communications and next-gen technology.
Rewriting the Rules of Capital: IP as Collateral
Intellectual property is emerging as a strategic financial asset and a game-changer for innovation-driven firms. CPI programs are particularly effective in high-IP sectors, such as MedTech, GreenTech, and AI. By transforming intangible assets into investable capital, they’re reshaping how fast-growing firms scale and compete
Here's how collateral protection insurance programs are unlocking their potential:
🏗️ IP as a Growth Engine: CPI converts patents, trademarks, and trade secrets into insurable, collateral-ready assets, reducing risk for lenders and enabling non-dilutive financing.
📊 Three-Phase Approach: Key steps include an IP readiness assessment, valuation using methods such as discounted cash flow and liquidation analysis, and execution with insurers and lending partners.
🚀 Borrower Benefits: Companies can secure capital without equity dilution, accelerate time-to-market, and boost valuations by monetizing IP.
Wrapping Up
If these articles sparked your interest, we have a network that you will absolutely love: Forbes Finance Council.
This exclusive, vetted community brings together the brightest minds in finance—founders, CEOs, CFOs, and other finance team leaders.
Put yourself at the forefront of innovation with access to publishing opportunities on Forbes.com, a personalized, SEO-friendly Executive Profile, and the chance to network with other respected leaders in the field.
Join Forbes Finance Council today, and become part of a group driving transformation in finance.