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Build it and they will come. The sentiment behind that iconic line might be apropos of the startup world, and for FinTechs in particular.Drill down into a particular subset of FinTechs 鈥?in this case, personal finance-focused FinTechs 鈥?and we see that headwinds have been massing. Time, funding and even end-user demand have not coalesced to help those businesses meet their hoped for potential. These headwinds have proven so strong that, in some cases, shutting down has become stanley cup the only option.A few casualties litter the FinTech stage, having fallen in recent weeks.As FinTech Futures reported Monday Sept. 2 , Hardbacon, a Canadian personal finance app, shut down. The company offered budgeting tools and comparisons of various financial products such as savings accounts and loans to help consumers plan their financial lives.A Few Say GoodbyeIn a post titled stanley de Its time to say goodbye, CEO Julien Brault wrote that the company would declare bankruptcy. The compa stanley uk ny had sought to trim expenses and had been cutting headcount the final employees were just let go . The firm pointed to a Google update that caused Hardbacons traffic to plummet. Despite extensive SEO and content optimization work, our traffic continued to decline, and each Google update since September has accelerated our traffic loss鈥? the CEO noted, adding that in total, we lost 97% of our traffic from Google. The company estimated that it had 200,000 monthly active users. FinTech Futures noted in its report that th Uanj Smart Glasses Firm Vuzix Launches AI-Powered Facial Recognition
Over the past decade, foot traffic in retail outlets has seen a decline. With the growing trend of consumers buying more of their products online, this shouldnt come as a surprise.As eCommerce continues to grow, warehouse development has increased in tandem. While construction developers are likely following the same pattern theyve always done in terms of predicting opportunity and fulfilling it, last quarter showed a different emerging pattern.In Q4 2016, developers built 25.5 million square feet of warehouses, equaling a 77 percent increase from the prior year, according t stanley mug o research from real estate broker Colliers International. While this boom in new buildings may seem like a good sign, the amount of filled spaces would paint a different picture. In the same quarter of increased warehouse development, filled tenant spaces fell by 19.3 percent, while vacancy rates increased to 7.7 percent, up from 7.5 percent the prior year.Colliers national director of research, James Breeze, commented in a Wall Street Journal article on the future of warehouse market development. He said, I expect that demand to continue, but wh gourde stanley ether it will keep increasing at record levels, the capacity may not be there for such robust growth. For 2017, I would expect the same amount of activity but not growing beyond what w stanley quencher e have seen. Although the research shows delivery capacity has grown more than 10 times its typical growth rate since 2012 for warehouses over 300,000 square feet, this Q4 developme
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