Griffin Technology Survivor™ Rugged Power Bank Battery Unboxing Review @Griffintech        
Griffintechnology.com Overview Drop tested, rugged 6,000 mAh power bank that’s sealed against rain & mud The first phone and tablet portable power bank rugged enough to be called Survivor. With...
          OCC FinTech Charter in Trump Administration Cards        

          2014 Innovators to Watch: 16 to 22        
16. Shamir Karkal, cofounder and CFO of Simple Simple is — or was — one of fintech’s prized startups. A branchless bank, Simple has managed to attract users and get them spending, reporting 13 debit transactions per minute back in 2013. Simple’s rise in popularity has been largely through word of mouth — especially in […]
          FinTech - CBOE plans to launch bitcoin futures, announces agreement with Winklevoss brothers' digital currency exchange, A second version of bitcoin has launched. Could it threaten the original?, From AI (Alternative Investments) to AI (Artificial Intelligence)        
CBOE plans to launch bitcoin futures, announces agreement with Winklevoss brothers' digital currency exchange From CNBC.com: The Chicago Board Options Exchange, the largest U.S. options exchange, is planning to launch its own bitcoin derivatives trading products by early next year. Pending review f...
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          Comment on How Fintech Supports Small Businesses; Is This Not Your Time to Pitch Them for Your Startup? by spyneeti        
Hi Jess Harris, this idea is great for me for a small business....
          Comment on 40 FinTech Blogs and Services You Should Follow by CapitaWorld        
Hello, Thanks for sharing this post. I never knew such fintech blogs exists. The Banker and Faisal Khan are some must read blogs. Thanks, Rajan
          Platform Delivery Manager        
Harrington Starr - The City, London - Platform Delivery Manager - City of London - £100,000-£130,000 (Delivery Manager, Programme manager, FinTech, Financial Trading... their software products are number one. As a Platform Delivery Manager you will be responsible for overall delivery management and reporting...
          Delivery Director, Agile Coach, Software Engineering, Stockholm        
Oliver Bernard - London - One of Europe's most successful Fintech companies have teamed up with Oliver Bernard to source a Director of Delivery to lead a team... outstanding technical teams in fast paced environments. Delivery Director Agile Coach Software Engineering Stockholm As Delivery Director...
          A la espera de que el “regulatory sandbox” para el sector “fintech” español sea una realidad        
Mario Cantalapiedra – Economista El pasado 5 de julio se celebró en la Torre de Cristal de Madrid una interesante jornada sobre el sector fintech en España, organizada por el diario digital El Español, a la que tuve oportunidad de asistir. Entre los distintos temas allí tratados me gustaría comentar el que hace referencia al proyecto [...]
          La Comisión Europea consulta sobre los modelos de negocio “fintech”        
Mario Cantalapiedra – Economista La Comisión Europea (CE) ha sometido a consulta un documento de trabajo sobre los modelos de negocio fintech, con el cual pretende que las partes interesadas, es decir, los proveedores de servicios financieros y los consumidores, le aporten información sobre el impacto de las nuevas tecnologías en el sector de los [...]
          Pocinje Drugi Fintech Hackathon - prijave do 26. juna        
U okviru unapređenja digitalnih inovacija u bankarstvu, ICT Hub, Societe Generale banka i kompanija 30Hills organizuju drugi Fintech Hackathon, koji će biti održan od 30. juna do 2. jula u novom prostoru Centra za tehnološko preduzetništvo (ICT Hub Playground).

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          Links of interest        
  1. OMICS (a fraudulent open access journal) now has a journal for climate change deniers whose logic includes "the ‘greenhouse theory’ cannot be correct because real greenhouses have glass roofs and the atmosphere does not."
  2. Looking for online videos to learn economics? Here. (Oh, and don't forget that economics is not a science!)
  3. My "thoughts on sustainable solutions" (PDF slides and 58 min MP3)
  4. Water managers are wasting money and/or harming the environment by taking too much water in California, where "water users appeared to more easily achieve the water use reductions requested by utilities during more recent droughts" and Orange Country (California) water managers consistently over-estimate demand [pdf]
  5. Circle, a blockchain-based FinTech company is offering zero cost, "bank rate" multi-currency transfers. I signed up but have not tried it yet.
  6. Bitcoin Energy Consumption Index, (premature) Ethereum Obituaries and WTF is Ethereum? (A good primer)
  7. "Writing advice to my students that would also have been good sex advice for my high school boyfriends"
  8. Not-the-Onion: Bic pens... for her. Read the reviews!
  9. Mumbai was built on a wetlandsthe origin of London's sewers and how Amsterdam invented bike sharing
  10. "Water Security and Climate Change: The Need for Adaptive Governance"
  11. How bureaucracy fails (UK edition)
H/T to TL

          èµ„管市场风云再起 智能投顾潮声以待        
在2016年进入倒计时的时候,国内资管市场看似平静的湖面被一颗石子激起不小的涟漪——12月初,个金业务优等生招商银行面向普通客群小额投资需求,正式发布智能理财服务"摩羯智投",成为国内银行业首个智能投顾立旗者。
颇具意味的是,招行的抢先破局着令其他同业有些郁闷,据悉,多家商业银行亦在暗相规划酝酿,包括紧锣密鼓和相关FinTech(金融科技)公司接触,意欲今年推出智能投顾服务。而相较银行业的谨慎克制,证券业中的先行者平安证券不仅早就联合专业公司推出智能投顾服务,且已从版本1.0迭代到了3.0,快速进化的重要驱动因素,则是客户数量增长的甜头。
"Robo-Advisor"(智能投顾)对于传统金融序列的渗透不会只是昙花一现的花头,而是银行、基金、券商等财富管理市场主要参与者发展及转型的切实需要,因为如果不去积极面对科技、金融融合的新趋向,为客户提供更好的服务体验,存量竞争优势势必削弱,素来稳健的招行这次率先吃螃蟹,即代表本土资管体量最大玩家主动拥抱资管行业新生态,也预示着中国智能投顾的发展真正进入快车道。"一位金融业界资深人士表示。
智能投顾或临燃点
大概自2014年起,国内就掀起了一股智能投顾概念创业风潮,市面上出现了不少活跃的主打智能投顾的金融app。最近一年来,在各类互联网金融平台的尝试和推动下,智能投顾的认知度和关注度则进一步扩展升温,但热闹的背后却也良莠不齐。
"在这个过程中,正规金融序列保持了较为克制的态度,但到2016年底,经过审慎的观察分析,证券、银行等持牌金融机构,特别是后者的正式入局,透射出一个值得关注的信号,智能投顾市场恐怕已真正临界爆发燃点。"某具有海外从业履历的投资界人士表示。
智能投顾也被译作"智能理财",发端于美国,是一种FinTech的典型应用,自概念提出迄今已逾十年的时间,早期背景是旨在突破传统投顾人工服务的局限性,驱动大数据分析、量化模型构建及互联网交互、云计算等技术运用,降低财富管理机构边际成本,覆盖更广泛客群的同时,提供定制化资产管理方案,提升客户投资理财体验。
从实践演变来看,智能投顾在西半球真正进入大众视野应该是在Betterment和Wealthfront这样的在线财富管理平台名声大噪之后。2010年,这两家美国知名智能投顾公司面向C端个人理财用户差异化需求,推出基于智能金融模型的投资组合推荐。其后,全球智能投顾进入快速发展阶段,一些传统的财管机构也推出了类似的服务模式,如嘉信理财的Schwa Intelligent Portfolios。
"以往的投资决策主要依靠投资顾问的经验判断,必然只能服务小部分高端客户,随着金融科技的进步,投资实时性和透明度显著提升,通过快捷的数据分析和匹配,使得普通客户也能享受定制化服务。"一位长期跟踪财富管理市场的观察人士表示。
"互联网时代,客户转换成本越来越低。倘若仍旧不以客户为中心或仅停留在口号上,不从客户需求出发进行产品投研和配置,不注重提升客户体验,必然将面临客户预期与自身经营的脱节,在与同业竞争中落败。财富管理的智能化、投顾服务的个性化是金融行业不可逆转的趋势。"上述人士并称。
在金融科技新贵们抢占市场的时候,传统金融机构亦从静观其变转向加快步伐。高盛、黑石等传统金融巨头在近年纷纷出手,收购具备智能投顾研发能力的科技创新公司。而据Citibank研报,从2012到2015年底,智能投顾管理的资产规模从零增加到了187亿美元,发展势头强劲。
财富管理新风涌动
从某种意义上说,2016年可谓中国智能投顾规模化运用商业元年。据不完全统计,目前国内已有30%左右的券商在使用智能投顾,而以个金服务见长的招商银行在岁尾推出"摩羯智投",更是宣告国内财富管理规模最大的持牌金融主体——商业银行,进入智能投顾时代。
此种现象与本土财富管理行业发展态势密切相关。
作为金融体系内最具活力和成长潜力的板块,根据波士顿咨询与光大银行联合发布的报告,预计2020年,中国资管市场管理资产总规模将达到174万亿元人民币。在这背后,既有宏观经济、居民财富积累并向金融资产转移等利好因素的支撑动力,也有互联网、大数据等信息技术正在深刻改变资管行业关键特征的考验挑战。
上述报告即指出,信息技术的快速发展降低了行业壁垒,加速金融与非金融的深度融合,与此同时,使得客户需求更加显性,资管机构得以更实时更直接地获取细分客群偏好。单此两点变化对以信息和信用为生存基础的金融行业带来直接冲击,并加剧了行业竞争,要求资管机构不得不重新审视资产管理行业的业务边界与生态演变,以及适应新价值链的服务方式创新。
"互联网时代的分工更加细化和专业化,资产管理机构无需事必躬亲,而是可以借助第三方专业力量来提供更加高效、专业的客户体验。"一位金融科技公司人士表示。
进一步值得关注的是,金融科技创新类智能投顾机构能帮传统金融机构解决什么问题?
"从专业本身,具有能力的智能投顾公司可以从效率和风险两方面与传统金融机构合作,前者主要通过资产配置模型化,实现客户服务个性化,后者则通过资产配置专业化,实现风险监控自动化。"上述金融科技公司人士表示。
前述投资界人士则认为,"对金融机构而言,他们能通过与智能投顾服务平台的合作,增补业务种类,降低交易费率;而对能够提供智能投顾产品的数据科技公司而言,他们可以采用轻型运作方式,专注于为金融机构提供理财服务,开发出定制化的解决方案。"
那么,更加实质的问题来了。目前本土打出智能投顾概念的第三方主体多半成立时间较短,且主要运用回测数据和模拟结果来给出投资建议,如果用以实际操作中是否真的合理有效呢?又该怎样鉴别一款智能投顾产品的优劣呢?
就此,经多方咨询,今日投资数据科技有限公司研发人士的建议似乎更加切中要害,他表示:检验智能投顾的专业能力主要是看数据的可靠性和投资模型的有效性,具体而言,一是数据历史要长,被检验的时间越长越好,最好要涵盖几个经济周期和金融危机;二是数据本身准确性要高,而数据的准确性主要依赖高质量的数据源和非常严格的采编程序;三是投资模型要有效,需要过多种形态市场检验,不仅仅是数据回测,并且最好能经过大量机构投资者的检验,而不只是模拟操盘。
据悉,目前国内券商智能投顾市场半壁江山以上的份额都由这家低调的深圳公司占领,而券商之所以选择这家智能投顾,主要是由于其数据和模型的积累达到十五年,而且经受了全球最大的资产管理公司Black Rock、量化投资鼻祖BGI华夏、嘉实、工总行、中信证券等顶级金融机构的实盘测试。
今日投资还不小心透露,对智能投顾感兴趣的金融机构很多,他们正在洽谈的即有十家左右,预计明年上半年会陆续上线。
看来,中国财富管理市场的一股新风正在暗潮涌动。

          Inside Insurance Agent        
CA-Marina del Rey, Our clients best people love sales and understand what you put in, is what you get out. We are growing our sales teams and seeking all levels of sales professionals who feel the same way. Conduct inbound calls with company-provided leads. Client Details Our Client Our client is a rapidly growing FinTech/Financial Services company that designs and markets innovative, customer-focused, life insuranc
          Constituyente tembleque: sin violencia es mejor        
La quema de dos gandolas en la Francisco Fajardo en la protestas por la libertad de expresión, a los 10 años del cierre de RCTV (no se repitió el cuento del "cese de la concesión") empañó la marcha, tituló Runrunes.
A los "valientes" ya no sólo los fotografían desde Reuters, AFP o medios locales digitales, sino también periodistas de medios oficiales y comunicadores populares que muestran una versión desde el lado de los GNB, aunque sus fotos y videos a veces son retuiteadas y recontextualizadas de nuevo. La lógica digital de la 2.0.
Esta violencia le sumó a la narrativa del gobierno, pero la golpiza y heridas propinadas a Capriles y su equipo por perdigones, lacrimógenas y cascos elevaron al gobernador a un nuevo momentum mientras sembró nuevas dudas sobre la nacionalidad y/o decencia de los efectivos. En ambos casos, la violencia le restó al que la aplicó.
Capriles reafirmó por su Periscope lo que ya se había colado en Aporrea en una republicación de CafeyCafe.com, con una presunta transcripción de una reunión de generales que casi al unísono rechazaron la Constituyente: la FAN desaprueban la movida presidencial. Horas antes María Corina Machado había adelantado por su Twitter, al estilo del periodismo dateado, que el canciller cubano le dijo a Delcy en Antigua que era mejor retirar la Constituyente por descontento militar.
Anoche Juan Barreto, exalcalde y del partido Redes, también llamó "espuria" a la Constituyente, como decía antes Capriles, por no tener referendos consultivo y aprobatorio. Lo mismo que pidió la exDefensora del Pueblo, los magistrados y un tercer exmagistrado (2005-2015) que además añadió en entrevista con NotiMinuto que no lo dejaron conocer los expedientes de la demanda de fraude de Capriles en 2013 para decidir aceptarlas o no.
Esta mañana Ravell aseguró que García Carneiro, Rodríguez Chacín, Rafael Ramírez y Rangel Gómez se reunieron en Vargas para sobrevivir a Maduro, o que el chavismo lo haga después de él. Por redes acusan a ANROS (de Germán Ferrer y esposo de la Fiscal) de ser la plataforma de Luisa Ortega para su futuro político.
El derrame petrolero de Trinidad llegó a Aruba después de pasar Bonaire y Curazao. Aunque estos gobiernos también han dejado casi solos a ambientalistas y voluntarios limpiando playas, esto coincide con un escándalo en el parlamento arubeño por el reportaje de Bloomberg en que Ruperti admitió que fue parte de una movida para refinar petróleo sirio en la isla para venderlo en EEUU. Y la refinería tuvo un incendio.
Muchos se indignan y dicen que sin violencia no habrá oportunidad de vencer, de hacerle frente a represión y abusos. Anoche el sociólogo (UCV) Javier Biardeau, que ha recordado el diario de debates de la Constituyente de 1999 sobre la necesidad de referendo para la Constituyente, y cómo Escarrá defendió que no hacía falta más artículos que los 347 y 348 porque era "transversal" en toda la CRBV que siempre mandaba la soberanía popular, así que no hacía falta aclarar procedimientos, citó a Norberto Bobbio sobre el poder y la legitimidad.
El profesor, claramente de izquierda, usó el mismo autor italiano que la Fiscal citó nebulosamente el día del libro para recordar la relación entre poder y legimitidad. Establece que el que ejerza el poder debe ser legítimo (derecho de tenerlo) y legal (hacerlo según reglas). Lo contrario es el poder arbitrario. Y que la legitimidad se puede perder por la desobediencia civil y la rebelión. Así mismo dice que si alguien toma el poder por la fuerza, no es legítimo ni legal, por tanto enfrentará al pueblo. Esto lo podemos entender en el Carmonazo.
(Insertemos aquí de nuevo el estudio de dos siglos que demuestra que la no-violencia es dos veces más efectiva para cambiar gobiernos, y además que los cambios sean democráticos y permanentes).
El anuncio de una escalada en la protesta reunificó a la oposición. MCM y Julio Coco "volvieron". La primera, más política, respalda crítica de Borges a la viveza financiera y sin escrúpulos de Goldman Sachs (aunque ya Venezuela había recurrido a fondos buitre que actuaron en Argentina como Fintech). Vente borró el tuit sobre el rechazo al referendo. Ya no hacía falta. El dirigente de las "redes disidentes" felicitó que Capriles suspendiera marcha hacia embajadas. Dijo que también conocía del plan de ataque para inculpar a la oposición.
Capriles repitió que quienes hoy marchan hacia el MIJ con los estudiantes pueden hacerlo directo y sin tener la pinta obvia. Eso funcionó ayer para llegar a la Av FFAA, en La Candelaria. No tragaron lacrimógena ni recibieron perdigonazos, pero paramilitares los rodearon, golpearon y robaron, para luego entregarlos a la GNB. Se gana algo, pero no se reduce completamente el costo de la represión. Estudiantes dicen que harán protestas improvisadas y sorpresa: una aquí, allá, como flashmobs, para reducir posibles bajas y arrestos.
Freddy Guevara y Pizarro mandaron a estar preparados, que lo que viene es protestas de mayor duración mientras se reúnen con sectores no partidistas para una convocatoria más amplia. No se puede decir "dictadura" en televisión aunque sea obvia. Así que no hace falta decir lo obvio, pero parenle, parenle mucha atención.

          Flipkart intends to launch new fintech business categories, hires Silicon Valley execs        
Flipkart, which already has plans to enter categories like furniture and groceries is now looking to tap the fintech sector as well. Currently, India’s largest online marketplace, the e-commerce company is looking to hire executives from Silicon Valley to assist them in entering areas of AI (artificial intelligence) and ML (machine learning) while moving away […]
          29 novembre au 1er décembre 2016 TRUSTECH incorporating CARTES , l'événement mondial dédié aux technologies basées sur la confiance, annonce une édition 2016 exceptionnelle        
Secuobs.com : 2016-04-11 17:47:08 - Global Security Mag Online - - Blockchain, fintech, identification électronique e-gouvernements, et data management seront les thèmes centraux de ce RDV qui se déroulera pour la première fois à Cannes Osama Bedier, CEO de Poynt et JB Straubel, Co-Fondateur de TESLA comptent parmi les personnalités qui s'exprimeront lors des conférences Nouveau nom, nouveau format, nouvelles cibles, nouveau lieu la prochaine édition de l'événement mondial des solutions de paiements sécurisés, d'identification et de connexions ne sera - Événements
          Fintech 2016 Applications are open!        
Last year we did the first program focused on the vertical acceleration of Fintech. It was a very enriching experience in which from 11 startups selected, 8 competed in the final PItch Competition framed in the great conference FinTechStage Buenos … Continue reading
          First-Ever Regulatory Financial Innovation Office Hours Set for July 20        
CHICAGO - Fintech startups and established companies seeking to develop new ideas and technology for the financial services market will have the opportunity to bounce ideas off of Illinois’ financial regulator on July 20th in Chicago.
          Illinois Regulator Launches Guidance Initiative to Drive Fintech Innovations        
CHICAGO – Speaking at Chicago’s Fintech Week 2017, Secretary Bryan A. Schneider of the Illinois Department of Financial and Professional Regulation (IDFPR) today announced a new initiative aimed at supporting and encouraging innovation in financial services. IDFPR’s Financial Innovation Initiative seeks to assist both financial service start-ups and established businesses in bringing innovative ideas to the financial services markets. Schneider sees the project as an opportunity for the state’s regulator to serve the changing needs and preferences of customers, banks and the financial sector.
          Statement on the Illinois Fintech Regulatory Roundtables        
CHICAGO – The Illinois Department of Financial and Professional Regulation hosted two fintech roundtables last week co-hosted by the Conference of State Bank Supervisors, FinTEx Chicago and 1871. The following is a statement by Bryan A. Schneider, Secretary of the Illinois Department of Financial and Professional Regulation.
          The Essentials of FinTech Kit - 2017 Edition        
The Essentials of FinTech Kit – 2017 Edition brings together the latest in information, coverage of important developments, and expert commentary to help with your FinTech related decisions.

The following kit contents will help you get the most out of your FinTech research:
  • The Big Security Threats Your Organization Needs to Take Seriously Now
  • In-The-Wild Digital Testing
  • How to Become a Data Governance Expert
  • Windows 10: 4 Ways to Ensure Smooth Windows 10 Migration


Request Free!

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          The future of Ubiquity: interview with Daniele Mensi, by MEF – Mobile Ecosystem Forum        

Interviewed by MEF during the recent 20/20 Money, the fintech top event in Europe, Daniele Mensi – General Manager and VP of Growth at Ubiquity, tracks the company’s business development lines, focused on messaging. A story that starts from the achievement of Italian leadership and continues to expand in Europe and around the world to become a “platform company” … Continue reading The future of Ubiquity: interview with Daniele Mensi, by MEF – Mobile Ecosystem Forum

L'articolo The future of Ubiquity: interview with Daniele Mensi, by MEF – Mobile Ecosystem Forum sembra essere il primo su Ubiquity.


          Ubiquity in the future of Banking: our experience at Money 20/20 Europe        

/// Interesting experience for Ubiquity at  Money 20/20 Europe event in Copenhagen. Money 20/20 Europe, the most important fintech event in Europe, has been designed to bring together all stakeholders with a role to play in the trade revolution: payment and financial services providers, banks, the mobile ecosystem, the retail industry, marketing services, big data … Continue reading Ubiquity in the future of Banking: our experience at Money 20/20 Europe

L'articolo Ubiquity in the future of Banking: our experience at Money 20/20 Europe sembra essere il primo su Ubiquity.


          Data, AI & Algorithm based Innovation: Chatbots to boost more and more personalized UX        

During the Copenhagen Money 20/20 event, the top European meeting in Fintech, “data” issue is certainly on the agenda. Startup and consolidated companies have launched or are being set up to launch data-identification, data collection and management initiatives in order to build personalized experiences in a relationship with a company or a brand. In particular, … Continue reading Data, AI & Algorithm based Innovation: Chatbots to boost more and more personalized UX

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          Mobile Banking & Mobile Payment at Money 20/20 Event: global development scenario        

Mobile 20/20, the European top event on Fintech that is being held these days in Denmark, is of course also about Mobile Banking & Payment. In particular, with regards to the strategies and market scenarios relating to different parts of the world. At a global level, there is no doubt that there is growing interest … Continue reading Mobile Banking & Mobile Payment at Money 20/20 Event: global development scenario

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          Join Ubiquity at Money 20/20 Europe edition        

Join Ubiquity at Money2020 Europe edition in #Copenhagen on 26-28 June and be part of the future of banking. Money20/20 Europe ”Europe’s largest FinTech event” is engineered to bring together all the stakeholders with a part to play in the commerce revolution: payments and financial services providers, banks and nonbanks, the mobile ecosystem, the retail … Continue reading Join Ubiquity at Money 20/20 Europe edition

L'articolo Join Ubiquity at Money 20/20 Europe edition sembra essere il primo su Ubiquity.


          Clarus Risk wins three categories at 12th Annual ACQ5 Global Awards        
Clarus Risk, a niche FinTech provider of high quality, customisable risk reporting solutions has been honoured with wins in three categories of the ACQ5 Global Awards for 2017: UK – Niche Fintech Company of the Year Offshore – Niche Fintech Company of the Year Offshore – Financial Risk Management Solutions Provider of the Year “The […]
          Was IT-Führungskräfte nach dem LEP erleben: FinTech meets Energy im Silicon Valley        
Spannend, was aus dem "Leadership Excellence Program" der CIO erwachsen kann: Zwei ehemalige LEP-Teilnehmer trafen sich im Silicon Valley zum intensiven Networking und schauten dabei unter anderem in der Salesforce-Zentrale vorbei.
          Santander’s VC fund invests in AI based digital identity startup        

Santander's fintech VC fund is injecting capital into both UK and US startups, and it is showing no sign of stopping.

The post Santander’s VC fund invests in AI based digital identity startup appeared first on Computer Business Review.


          Office Manager - Global FinTech Firm        
NY-New York, We're looking for an organized, proactive and upbeat office manager to provide flexible administrative support to the team, and facilitate the smooth running of the office and operation. Client Details My client is a global leader in e-commerce and payment processing, headquartered in Atlanta, Georgia. They specialize in payment solutions for merchants, financial institutions, and card issuers wit
          Forward info Juillet 2017        
A l’heure de la multiplication des « fintech », des applis disponibles partout et à tout moment et des canaux de distribution numériques de plus en plus nombreux, il nous semble important de souligner notre engagement de rester une structure à dimension humaine.
          India poised to be more open, less protectionist: Jaitley        

London: Union Finance Minister Arun Jaitley on Saturday said that India aspires to be a more open economy and stay away from protectionism.

"An aspirational India poised to be more open and less protectionist," Jaitley said in his lecture on 'Transforming India: Vision for the Next Decade' at the London School of Economics, adding that country's "emphasis is on infrastructure and rural sectors."

The Finance Minister is on a five-day visit to Britain, during which he will meet his British counterpart, the Chancellor of Exchequer, interaction with over 100 business leaders from the UK-India Business Council (UKIBC) and roundtable with prospective issuers, leading investors and fintech leaders, among others.

On Sunday, Jaitley will attend a reception being organised by Federation of Indian Chambers of Commerce and Industry (Ficci), the British Council and Indian High Commission.

On February 27, he will perform market opening ceremony at London Stock Exchange followed by the roundtable meeting with prospective issuers and leading investors and fintech leaders among others.

Later in the day, he will have interact with over 100 senior business leaders from the UKIBC followed by meeting with British Foreign Secretary Boris Johnson.

He will also attend a reception being hosted by Queen Elizabeth II at Buckingham Palace in the evening on that day.

On February 28, Jaitley will meet the Chancellor of Exchequer. Thereafter, the Finance Minister will meet the CEOs at a meeting being organised by the Confederation of British Industry before leaving back for home in the evening on the same day and arriving in the national capital early morning on March 1.


          The Essentials of FinTech Kit - 2017 Edition        
The Essentials of FinTech Kit – 2017 Edition brings together the latest in information, coverage of important developments, and expert commentary to help with your FinTech related decisions.

The following kit contents will help you get the most out of your FinTech research:
  • The Big Security Threats Your Organization Needs to Take Seriously Now
  • In-The-Wild Digital Testing
  • How to Become a Data Governance Expert
  • Windows 10: 4 Ways to Ensure Smooth Windows 10 Migration


Request Free!

          OCC Has Banking Sandbox-Like 'Pilot' for Fintechs in the Works        
The banking regulator's chief counsel gave her thoughts on the pilot program at the ABA's annual meeting Thursday.
      

          é‡‘融研訓院靠IT創新多元服務,更成臺灣Fintech菁英培育搖籃        
金融科技(Fintech)讓原本平靜無波的金融業者吹起一陣數位轉型的漣漪,業者們無不嚴陣以待,紛紛投入資金、心力進行相關研究,要找出利用科技輔助金融業務的新模式。近年來,更有多家金融機構開出大量Fintech職缺,需要聘用熟悉大數據分析、人工智慧及區塊鏈的關鍵人才。 不只金融機構,整個金融產業都因這股效應而動起來了,而肩負臺灣金融教育、訓練以及研究的臺灣金融研訓院(簡稱研訓院)也不例外。這間公財團法人機構也在去年五月時,成立了「Fintech諮詢服務中心」,由臺灣金融研訓院資訊處處長陳世訓出任執行秘書,來協助中小型金融機構進行轉型的接軌。
          Fintech Startup Lendingkart secures $10 Million in debt        

Digital lending platform Lendingkart Finance Limited has raised $10 million (INR 67 crores) debt fund from Kotak Mahindra Bank, Aditya Birla Financial Services and other few undisclosed investors. Lendingkart will be used to grow its lending program to small and medium enterprises (SMEs) and widen its pan-India presence. The company has expanded its reach to […]

The post Fintech Startup Lendingkart secures $10 Million in debt appeared first on Indian CEO.


          Iran’s Banking IT Companies programs for FinTech startups        
Shahab Javanmardi CEO of Fanap co. several times has said that once Fanap was a startup company that today is transformed into a large one. When they started, the term startup was not common in Persian language and traditional notion of large state-owned companies. Trading was active in the private sector, according to an unwritten rule, production was …
          9 Frothy Tech Sectors of 2015: Food Delivery, Fintech, Drones & More        
There’s a point at which a technology market or sector feels overhyped and saturated. Sometimes it’s when the first $1 billion valuation is announced—or when venture capital starts flowing so freely that it seems due diligence is an afterthought. And it’s definitely when media start calling tech businesses “Uber for (fill in the blank).” In […]
          World Bank, Alibaba fund invest in Hong Kong-based fintech startup        
Hong Kong-based startup CompareAsiaGroup has secured $50 million in funding from investors led by the World Bank's commercial lending arm, as the personal finance management platform looks to develop its technology and launch more products.

The International Finance Corp (IFC), as the World Bank unit is called, said it had agreed to invest $15 million in the firm. The other investors include Alibaba Entrepreneurs Fund, a not-for-profit fund launched by Chinese e-commerce giant Alibaba Group, and Japan's SBI Group.

Existing investors of CompareAsiaGroup, such as Goldman Sachs Investment Partners and private equity firm Ace & Company, also took part in the funding round, the fintech company said without disclosing the breakdown for each investor.

CompareAsiaGroup helps consumers in Hong Kong, Indonesia and five others countries in Asia Pacific compare and buy financial products ranging from insurance, loans and credit cards.

It earns a fee from banks including HSBC, DBS and Standard Chartered and insurers such as FWD Group and QBE Insurance Group every time a person buys their products on its platform.

The company plans to expand its offerings in Southeast Asia and roll out more broadly products such as broadband services and mobile phone plans on its platform, CEO Sam Allen said.

"It's a great strategic fit for us to have the IFC on board," said Allen, on the sidelines of the RISE technology conference in Hong Kong. "The focus for us is how do we grow in Indonesia, Philippines and other countries where there's a huge population of unbanked people that is coming online every day."


          iValley FinTech Accelerator Announces Its Annual FinTechTalk...        

Financial institutions, startups and venture capitalists will discuss artificial intelligence, blockchain, initial Coin Offerings, Cryptocurrency, Early Stage Fundraising, FinTech App Stores and Other...

(PRWeb August 09, 2017)

Read the full story at http://www.prweb.com/releases/fintechtalk/2017/prweb14585112.htm


          The Uncanny Mind That Built Ethereum        
Vitalik Buterin invented the world's hottest new cryptocurrency and inspired a movement — before he'd turned 20 - "I think a large part of the consequence is necessarily going to be disempowering some of these centralized players to some extent because ultimately power is a zero sum game. And if you talk about empowering the little guy, as much as you want to couch it in flowery terminology that makes it sound fluffy and good, you are necessarily disempowering the big guy. And personally I say screw the big guy. They have enough money already."
"There's still technical problems. It doesn't scale. It's not efficient. It's not secure. It sucks, basically. It's shitty technology," says Vlad Zamfir, a developer that Buterin has hired to conceptualize the next iteration of the Ethereum software.
viz. Ethereum: Platform Review - Opportunities and Challenges for Private and Consortium Blockchains by Vitalik Buterin e.g. i.e.
  • Global Money, a Work in Progress - "Our amalgamation is first about the C6, the top six central banks now joined in the central bank swap network. It took a global financial crisis to get us to this point. The next step is bringing in the periphery, starting maybe with the BRICS. Hopefully we are educated enough to do that without requiring another global financial crisis." :P
  • Today global money is largely private credit money, the issue of a profit-seeking bank that promises ultimate payment in public money which is the issue of some state, quite possibly a different state from the one where the bank is chartered and does its business. Global money is also largely dollar-denominated, even when the ultimate users of that money lie completely outside the United States. The issue of dollar-denominated US Treasury bonds is just part of the huge stock of dollar assets and liabilities; the stuff of dollar hegemony is the private credit money dollar, not the issue of the state.

    Although global money is substantially private credit money, the fact that it is denominated in dollars means that the Fed is de facto, if not de jure, the ultimate lender of last resort for global money. Therein lies the rub. De facto the Fed's responsibility is global but de jure its authority is only local. The Fed is essentially hybrid, both government bank and banker's bank, and also both US central bank and global central bank. The great challenge of the present time is the politics of managing the hybrid reality of the global dollar system.
  • Why Central Banks Will Issue Digital Currency - "A better model, ultimately, is central bank digital currency. This would mean that a central bank, like the Federal Reserve, would participate on the network and would digitally mint U.S. dollars onto it. Since the Fed is the legal issuer of dollars, this would make digital dollars a native digital asset. There would be no need to 'convert' back to some underlying 'real' dollar because these digital dollars would be real, just in a new medium. In the same way that dollars already exist today in multiple mediums — notes, coins, electronic reserves — we would treat these digital dollars as just dollars in a new medium, backed by the full faith and credit of the U.S. government."
  • The medium of money has only changed a few times in history, from precious metals to bearer currencies to now our ledger-based electronic systems. Bitcoin and blockchain represent a transition to a new medium. This transition is often referred to as distributed ledger technology, which is a reference to today's centralized ledgers. But I find it more helpful to look back to bearer instruments, like banknotes, to appreciate what this new medium enables: a digital bearer instrument...

    The goal of the blockchain industry is to collapse these steps into a single step, where payment is the settlement, just like with physical notes. This is what I mean by digital value transfer, which I sometimes like to call money-over-IP. Soon, the phrase "cross-border payment" will make about as much sense as "cross-border email."
cf.
  • Life in the People's Republic of WeChat - "I message a Chinese friend who's in the U.S. on a fellowship and ask for a loan. Within minutes, he's sent me two hong bao, or red envelopes—a play on the red envelopes traditionally used to give gifts of money. They arrive as chat messages that say, 'Good fortune and good luck! You've received a red envelope'. Once I click on them, I have 200 yuan in my WeChat wallet."
  • The Future of Banking Is in China - "Building financial services on the back of its popular WeChat messaging system. During Lunar New Year, its over 760 million users exchanged 32 billion 'red packets', a twist on a holiday tradition to gift small amounts of cash. Last year, Tencent joined Ant in launching online-only banks that accept minideposits and microloans, extending their leadership in the country's $235 billion internet payments business. At Tencent's WeBank, the one-minute process to set up an account requires little more than a mobile-phone number, the applicant's national identification number and the user's photo taken with the phone's front-facing camera." (What Is a Bank?)*
also btw... The Web's Creator Looks to Reinvent It - "Tim Berners-Lee and other computer scientists are pondering newer technologies to create a web with more privacy and less government control... computer scientists talked about how new payment technologies could increase individual control over money. For example, if people adapted the so-called ledger system by which digital currencies are used."
          Oracle Announces Oracle Banking Payments Offering        
Press Release

Oracle Announces Oracle Banking Payments Offering

New solution built on ISO standards enables end-to-end payments innovation for banks

Redwood Shores, Calif.—Aug 8, 2017


Oracle today announced the worldwide release of its Oracle Banking Payments solution. The offering was built from the ground up leveraging ISO 20022 and is designed to help banks compartmentalize payments messaging, message transformation and payment processing while providing high fidelity insight. Using the Oracle Banking Payments API, banks can also innovate within the Internet of Payments, collaboration with 3rd parties or curate new business models in collaboration with Fintechs.

“As a core banking vendor we have been supporting payments for over two decades. We run payments for over 500 banks across 140 countries. In many instances our applications cater to a significant proportion of a country or a jurisdiction’s volumes, for example we enable over 20% of the inward and 22% of the outward real time settlements in India” said Chet Kamat, senior vice president, Oracle Financial Services. “With Oracle Banking Payments, financial institutions can improve straight through processing, support real-time and immediate payment settlement and reduce time-to-market while driving innovation.”

Digitization has brought banks to a payments arena tipping point where customers demand constant availability for real-time, frictionless payments. Grappling with increasing levels of operational complexities, banks have increasingly adopted siloed structures and multiple messaging standards leading to a disharmonized payment landscape. At the same time, new players are challenging incumbents by offering personalized products, exemplary efficiency and security. To remain competitive, financial institutions need to adopt a transformational approach that addresses the changing dynamics of the payments marketplace.

With Oracle Financial Services Analytical Applications (OFSAA), Oracle Banking Digital Experience, Oracle FLEXCUBE, Oracle Banking Platform and Oracle Financial Services Revenue management and Billing, today’s announcement of Oracle Banking Payments makes Oracle the most comprehensive solution provider for the payments industry.


Contact Info
Alex Moriconi
Oracle Corporation
+1-650-607-6598
alex.moriconi@oracle.com
Additional Information

Oracle Banking Payments supports global as well as local payment standards like SEPA, SWIFT 2017, Fedwire, US ACH and SWIFT GPI. Banks can easily extend the system themselves to comply with any local and international clearing and settlement messages.

About Oracle

The Oracle Cloud offers complete SaaS application suites for ERP, HCM and CX, plus best-in-class database Platform as a Service (PaaS) and Infrastructure as a Service (IaaS) from data centers throughout the Americas, Europe and Asia. For more information about Oracle (NYSE:ORCL), please visit us at oracle.com.

Trademarks

Oracle and Java are registered trademarks of Oracle and/or its affiliates. Other names may be trademarks of their respective owners.

Safe Harbor

The preceding is intended to outline our general product direction. It is intended for information purposes only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for Oracle’s products remains at the sole discretion of Oracle Corporation.


Talk to a Press Contact

Alex Moriconi

  • +1-650-607-6598

          Futurology – Future of Startups        
The Futurology Team chats to Will Green (@willjngreen) about the future of startups, where we throw back on what startups meant 10 years ago to now... and then throw forward to what a startup could be like in the future. Will is a successful founder in the world of media with Apurimac Media, where he partnered with businesses like Yahoo. Now he is back out there in the world of Fintechs and changing humanity with his new startup Colab.
          Futurology – The Future of Fintech: Building on Blockchain        
The Futurology team chats to Strate CEO, Monica Singer, about how Strate is using Blockchain for the electronic settlement of financial instruments in South Africa (bonds, money markets, equities).
          #CiscoChat Recap: Data at the Speed of Now        
While I was in Tokyo, I was asked if I was interested in joining a #CiscoChat. Thought about it in Singapore and again in London. Each of those countries have something in common. They are becoming Fintech incubators with great ideas that will drive digitization into every business. Having traveled multiple countries, I was thrilled […]
          Many fintech DevOps are not enforcing security        
Venafi+has+announced+the+results+of+a+study+on+the+cryptographic+security+practices+of+DevOps+teams+
          VC Fintech Accelerator Program Intern        

You will take part in building the next amazing batch of tech startups, and become a part of The Venture Center network. From entrepreneurs,…  

The post VC Fintech Accelerator Program Intern appeared first on George W. Donaghey College of Engineering and Information Technology.


          Fasanara Capital | Investment Outlook | May 3rd 2016        

1. Reflation Phase To Be Temporary, More Downside Ahead Earlier on in 2016, ‘random and violent markets’ went off to panic mode out of (i) fears over China’s messy stock market and devaluing currency, (ii) plummeting oil price, (iii) strong US Dollar. Today, we believe complacent markets are similarly illogical and over-shooting, this time on the way up. As we re-assess the validity of the underlying risks, we expect a shift in narrative in the few months ahead and a sizeable sell-off for risk assets. 2. Four Key Conviction Ideas We analyze below our key ideas for the next 12 months: Short Chinese Renminbi Thesis. In Q1, China only managed to keep GDP in shape by means of graciously expanding credit by a monumental 1 trn $. Unsurprisingly, at 250% total debt on GDP, you cannot borrow 10% of GDP per quarter for long, without a currency adjustment, whether desired or not. Short Oil Thesis. Long-term, we believe Oil will follow a volatile path around a declining trend-line, which will take it one day to sub-10$. Within 2016, we expect global aggregate demand to stay anemic and supply to surprise on the upside, inventories to grow, primarily due to the accelerating speed of technological progress. Short S&P Thesis. To us, the S&P is priced to perfection, despite a most cloudy environment for growth and risk assets, thus representing a good value short, for limited upside is combined with the risk of a sizeable sell-off in the months ahead. Short European Banks Thesis. We believe that micro policies at the local level, while valid, are impotent against heavy structural macro headwinds, and only the macro environment can save the banking sector in its current form in the longer-term. Macro structural headwinds for banks these days are too heavy a burden (negative sloped interest rate curves, deeply negative interest rates, deflationary economy, depressed GDP growth, over-regulation, Fintech), and will likely push valuations to new lows in the months/years ahead.
          Chris Skinner: “El modelo de negocio de los bancos tradicionales debe cambiar”        
¿La banca tradicional es consciente del peligro que supone la banca fintech? Cada vez más los bancos con los que hablo tienen este asunto en su agenda. Creo que ya lo ilustró Jamie Dimon, CEO de JP Morgan Chase, al advertirlo en una carta a […]
          Zinsgold – ein neuer Festgeldmarktplatz?        
Mit WeltSparen, Savedo und Zinspilot lässt sich das Angebot von Zinsgold (Name hat nichts mit dem Edelmetall zu tun) derzeit nicht vergleichen, auch wenn es einige Gemeinsamkeiten gibt. Bei Zinsgold wird aktuell Festgeld bei nur einem Anbieter, der FinTech Group Bank AG, die auch kontoführende Bank ist, angeboten. Zinsgold vermittelt demzufolge keine Einlagen an Fremdbanken […]
          Telecom Italia Proposes 30 Months to Fintech for Argentina Deal         
David Martinez, the Mexican financier of the Martinez’s Fintech Group is offered 30 months to complete the stake in the Telecom Argentina SA by the Telecom Italia SpA (TIT). Earlier, the stake had failed to win the overall regulatory approval in a year, until now.  Prior to acquiring 22.7 per cent Telecom Italia’s indirect stake in Telecom Argentina for around $960 million, Martinez had already received two extensions of a deadline that was nearly close to the deal. Of the two extensions, the most recent one expired yesterday.  According to a statement, Telecom Italia said the value of the entire transaction remains unchanged. This sale is the strategic plan of CEO Marco Patuano to cut down on Telecom Italia’s $35 billion debt and restore the telecom carrier’s investment grade. CEO Patuano took over the company just a year ago and is now looking forward to do home market business with Telecom Italia’s market and on Brazil. Tim Participacoes SA is the second-largest wireless carrier in the country. Telecom Italia has received a value of $600.6 million from Fintech. This pledge of collateral value will increase the Telecom Italia’s Milan-based liquidity without altering any of its net financial position. The collateral pledge is a condition where one has to concede to a buyer for two and half more years in order to complete one deal that has been on hold for nearly a year, said Francesco Vatalaro – Professor of Telecommunications at Tor Vergata University, Rome. According to the professor, the new terms are not useful for Telecom Italia since the price does not increase even after completion is delayed.  Fintech has already paid an amount worth $113.7 million of the total deal price. However, by the end of October it is expected to pay $215.7 million for 17 per cent of Sofora Telecomunicaciones SA. This company is controlled by Telecom Argentina, said Telecom Italia.  Once Fintech has gained further regulatory approval, a further stake of 51 per cent will be paid in Sofora. In case, if Fintech turns unsuccessful to pay in the duration of 30-month period, Telecom Italia is free to choose another buyer for that same 51 per cent stake.  Furthermore, if Telecom Italia cannot complete the sale within the period of 30 months, the agreement with Fintech will be terminated and Fintech will have to pay Telecom Italia an amount worth $175 million in compensation for the loss.  At a later point, Telecom Italia also has the choice to buy back shares from Sofora.

Original Post Telecom Italia Proposes 30 Months to Fintech for Argentina Deal source Twease
          OCC Head Reiterates Support for Responsible FinTech        
The article is here.
          Fintegrate Zone 2017        

We are delighted that VirtusaPolaris FinTech Lab is selected among the top 50 fintechs to be part of Exhibit Zone at F50 to be held during Fintegrate Zone 2017 at the International Convention Centre of the iconic Bombay Stock Exchange building on 2nd and 3rd of March 2017.

Fintegrate is a a thought leadership conclave integrating the fintech innovation of today to build a better future. The event combines conference tracks, workshops, hackathons, meetups, a CXO roundtable, startup exhibits and a grand demo night. The event comprises over 85 speakers and 1,000 attendees from 200+ companies representing 5 countries, including more than 100 CEOs.

VirtusaPolaris Fintech lab has a unique blend of vast BFS domain knowledge and technological expertise. We go one step beyond experimenting with technologies to enhance value in the business eco-system through innovation.

Meet our experts at the event to learn more on our interesting success stories and core expertise around our Banking Solutions.
To learn more, please visit our Banking & Financial Services webpage.

          Singapore FinTech Festival        
Sponsorship Level: Gold Sponsor

VirtusaPolaris is delighted to be a Gold Sponsor at the Singapore FinTech Festival from November 14-18, 2016 in Singapore.

The Festival, organised by the Monetary Authority of Singapore (MAS), in partnership with the Association of Banks in Singapore (ABS), will bring together a series of distinct FinTech events for the global FinTech community. Lot many interesting sessions around Hackcelerator Demo Day, Innovation Lab Crawl, FinTech Awards, FinTech Conference, Tech Risk Conference, RegTech Forum, and a grand closing party - don't miss to be part of it.

Meet our experts at the festival to learn more on our interesting success stories and core expertise around our Banking Solutions.

To learn more, please visit our Banking & Financial Services webpage.

          DE - A fintech cégek száma 139 Németországban, 2016. november        
Infografik: Fintech in Deutschland | Statista
Mehr Statistiken finden Sie bei Statista
          EMR | Specialist Marketing Recruitment: Digital Marketing Manager        
£35000 - £40000 per annum: EMR | Specialist Marketing Recruitment: A fast paced FinTech brand is looking for a Digital Marketing Manager to take ownership of all digital acquisition campaigns. London
          EMR | Specialist Marketing Recruitment: Digital Marketing Manager        
£40000 - £50000 per annum: EMR | Specialist Marketing Recruitment: A rapidly growing FinTech brand is looking for a Digital Marketing Manager to take ownership of all digital acquisition campaigns. London
          Cyberview Living Lab Accelerator ke-4 Menyaksikan Fokus Terhadap Startup Fintech        
Sebut sahaja mengenai Cyberjaya, ramai yang pastinya mengetahui akan kawasan yang meriah dengan penciptaan aktiviti startup. Cyberview sebagai pembangun kawasan tersebut baru-baru ini telah mengumumkan mengenai program Living Lab Accelerator mereka yang keempat dan pada pusingan kali ini fokus mereka adalah terhadap startup.
          Ada Idea Untuk Merevolusikan Teknologi Perbankan ? Sertai #MaybankFintech2016        
Tahun lalu menyaksikan dunia startup teknologi perbankan atau terma popularnya Fintech (Finance Technology) mula aktif di Malaysia. Bagi memulakan tahun 2016, Maybank mengumumkan acara MaybankFintech2016 dalam mencari startup yang bergiat dalam industri ini.
          Berita Terkini dari ANTARA        

Berita Terkini dari ANTARA

Link to ANTARA - Berita Indonesia Terkini

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Rumah sakit Nigeria tingkatkan pengawasan demam lassa

Posted: 09 Aug 2017 07:38 PM PDT

Nigeria meningkatkan kegiatan pengawasan dan pemantauan di Lagos University Teaching Hospital (LUTH), tempat dua pasien dicatat meninggal dan lebih dari 100 orang berada dalam pengawasan karena terjangkit Demam Lassa. ...

Pre-order Samsung Galaxy Note 8 akan dimulai 1 September?

Posted: 09 Aug 2017 07:11 PM PDT

Samsung, raksasa teknologi asal Korea Selatan, mengumumkan bahwa Galaxy Note 8, dapat mulai dipesan satu pekan setelah peluncuran resmi pada 23 Agustus mendatang.Dilansir dari GSM Arena, periode pre-order akan dilakukan antara ...

Facebook tutup aplikasi remaja Lifestage

Posted: 09 Aug 2017 06:50 PM PDT

Facebook akhirnya menutup Lifestage, aplikasi untuk remaja yang diluncurkan Agustus tahun lalu.Aplikasi itu memberi penggunanya keleluasaan untuk membuat portofolio berisi video tentang mereka, di mana penggunanya dapat merekam ...

Yordania kirim bantuan kemanusiaan ke wilayah Palestina

Posted: 09 Aug 2017 06:42 PM PDT

Yordania mengirim satu konvoi bantuan kemanusiaan ke wilayah Palestina pada Rabu (9/8) menurut pernyataan dari Organisasi Amal Kerajaan Hasyimiyah itu. Organisasi itu menyatakan rombongan tiga-truk akan mengirim 200 paket ...

Kemarin bos Blackberry temui Menperin, Metro TV bicara soal Mata Najwa

Posted: 09 Aug 2017 06:31 PM PDT

Kemarin bos BlackBerry John Chen bertemu dengan Menteri Perindustrian, Presiden Direktur Metro TV angkat suara soal penayangan Mata Najwa dan Presiden Joko Widodo menegaskan bahwa negara hukum tidak otoriter.Berikut beberapa ...

Qatar tawarkan program bebas visa masuk ke 80 negara

Posted: 09 Aug 2017 06:11 PM PDT

Qatar, yang diisolasi oleh tetangganya dalam sebuah krisis diplomatik, memperkenalkan program bebas visa masuk untuk warga dari 80 negara demi merangsang usaha transportasi udara dan pariwisatanya."Skema pembebasan visa akan ...

Empat daerah di Oklahoma nyatakan keadaan darurat usai badai

Posted: 09 Aug 2017 05:42 PM PDT

Gubernur Oklahoma Mary Fallin mengumumkan keadaan darurat untuk empat daerah di negara bagian tersebut pada Rabu (9/8), setelah topan kencang, banjir besar dan empat tornado melanda bagian timur-laut Oklahoma pada Minggu ...

Hari ini ada bincang-bincang Fintech, konsultasi studi di luar negeri di Jakarta

Posted: 09 Aug 2017 05:33 PM PDT

Hari ini ada acara tayang bincang Fintech mengenai peluang investasi, diskusi mengenai strategi HR untuk startup dan bincang-bincang dengan pendiri startup, hingga konsultasi studi dan magang kerja di luar negeri di ...

Bayi primata bonobo pemalu lahir di Belgia

Posted: 09 Aug 2017 05:24 PM PDT

Satu bayi bonobo tak lepas dari pelukan induknya sejak lahir di Belgia pekan lalu, dan para pengunjung hanya bisa melihat sekilas wajahnya pada waktu makannya.Dijaga ketat oleh induknya yang bernama Djanoa, anggota baru kebun ...

Raisa, NCT 127, DNCE, AmPm di konser lintas negara semalam

Posted: 09 Aug 2017 05:06 PM PDT

Konser yang menampilkan musisi lintas negara yang antara lain meliputi Raisa, Isyana Sarasvati, Dipha Barus, dan Afgan dari Indonesia; NCT 127 dari Korea Selatan, DNCE asal Amerika Serikat dan AmPm asal Jepang berlangsung meriah ...

Rafael Marquez, dari bintang Barcelona jadi penjahat narkoba

Posted: 09 Aug 2017 05:01 PM PDT

Mantan bintang Timnas Meksiko dan FC Barcelona Rafael Marquez pernah dijuluki "Si Bos" selama menjadi kapten tim nasional negerinya. Tetapi kini Amerika Serikat memberi dia predikat penjahat narkoba.Tak ada pemain sepak bola ...

Sebagian Jabodetabek diprakirakan hujan hari ini

Posted: 09 Aug 2017 04:56 PM PDT

Badan Meteorologi Klimatologi dan Geofisika memprakirakan sebagian wilayah Jakarta-Bogor-Depok-Tangerang-Bekasi (Jabodetabek) hujan dengan intensitas ringan hari ini.Menurut prakiraan BMKG, hujan akan mulai mengguyur sebagian ...

Penggemar Pokemon Go ramaikan festival Pikachu di Yokohama

Posted: 09 Aug 2017 04:48 PM PDT

Ribuan pemain Pokemon Go berkumpul di kota pelabuhan Yokohama untuk berusaha menangkap monster langka di dunia maya sambil menonton tarian yang menampilkan orang-orang berkostum seperti Pikachu raksasa.Game berbasis telepon ...

          Comment on “Pot follows member”? Who are you kidding? Pension Bee blows the lid on DC transfers. by Gerry Flynn        
Henry It appears administration times scales are going backwards. In the late 1990,s we we were doing DC transfers with a turn around of 15 working days and that was without the aid of Fintech. Some of these TPA's have got far to big for their boots and they think because of their size they can get away with anything. An other thing why have trustees of occupational DC schemes entered in to contracts where the insurance company is able to apply a early leaver charge, this was a no no as far as my trustees were concerned.
          Jobs - Client Specialist - Business Development Representative        
Los Altos CA, United States
This is an opportunity to join a fast-growing, venture-funded Fintech team in an exciting, fun, and challenging work environment. Client Specialist will drive the growth of the ria business, acting as a critical component of the oam team. The candidate should be motivated, with a strong passion for systematic/rule-based investing. The ideal candidate will proactively ...
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          OB&T helped startup make €5M a year        

Last Friday, March 17 an official announcement on Bloomberg was fired. A great FinTech startup Pritle has been acquired by the largest independent Dutch online bank BinckBank. It took Pritle almost 2,5 years to build from scratch a brand new wealth management solution and bring it to a solid current level. And guess who helped […]

The post OB&T helped startup make €5M a year appeared first on On Budget and Time.


          OB&T at FinTech Connect Live 2016        

FinTech Connect Live that is becoming one of the largest European fintech events was held at ExCeL London on December 6-7. This time, lots of attention and interest were paid to blockchain and how it changes the fintech world around us. Fair to mention that mostly the startups are getting their piece of cake here. […]

The post OB&T at FinTech Connect Live 2016 appeared first on On Budget and Time.


          ä½œè€…:互联网金融研究        
全球大型传统金融企业的日子不太好过,直接反映便是行业晴雨表之一的人力资源数据:汇丰、渣打、巴克莱等十几家全球大型传统金融机构陆续宣布数千到数万不等的裁员计划。业内人士分析,传统金融机构进行裁员主要目的是提高效率,以应对全球经济大环境复苏不及预期和金融科技(FinTech)公司崛起的冲击。 什么是FinTech公司呢?根据维基百科词条,“FinTech,是指一群企业运用科技手段使得金融服务变得更有效率,因而形成的一种经济产业。FinTech公司通常在创立之初将目标定为打败那些不够科技化的大型金融企业和体系”。维基百科的解释将金融科技公司与传统金融公司对立的表述值得商榷,实际上FinTech公司正在和传统金融机构一道,重新定义现代金融,设计新的商业模式,实现共同发展,通过普惠金融改变大众生活。 那么,FinTech公司到底将怎样改变我们的生活?了解一下全球七大FinTech独角兽公司就明白了。 1、Wealthfront,美国企业,是一家专业的在线财富管理公司,目前估值超过30亿美元。Wealthfront借助计算机模型和技术,为客户量身定制包括股票配置、期权操作、债权配置、房产投资等在内的资产投资组合建议。本质上,就是利用互联网技术,把成熟市场的机构投资模式直接提供给个人投资者。例如,Wealthfront将Twitter和Facebook的股票逐步转化为ETF(交易型开放式指数基金),推荐给用户。同时,还会根据用户的风险承受能力,为其配置不同种类的ETF,受到中等收入人群的追捧。截至2016年2月末,Wealthfront的资产管理规模近30亿美元,同比增长近60%。 2、乐天金融,日本企业,作为日本第一大电商(为大家熟知的阿里系与乐天的发展步伐很相似,本文只介绍乐天),乐天集团在10余年前就将业务触角延伸至金融领域,如证券、银行、保险、支付等,并将这些业务融入乐天自身的电商生态体系中,最终构建了完善的商业生态系统,成为横跨众多领域的商业巨擘。2015年数据显示,乐天金融营收已占乐天集团整体收入的38%。 3、借贷宝,中国企业,由国内顶级PE九鼎控股倾力打造。不同于国内绝大多数网贷公司通过平台公开发布资产,撮合资金与资产对接的偏“公募”模式。借贷宝创造性的运用了基于熟人关系网络,以借款人实名、出借人匿名的单向匿名借贷模式。如果借款人在熟人圈的信用值高,便能够快速获得借款。借贷宝只为双方提供信息平台,不涉及交易资金,不承担交易风险,但会通过立体催收体系,服务借贷双方。在这种模式下,出借人需要根据自己对借款人的认知来评估风险,获得收益。 据了解,除了熟人间单项匿名借贷,借贷宝还通过赚利差这一功能实现了除劳动收入、资本收入之外的第三种收入:信用收入。这一模式与银行的盈利方式类似,被用户广泛接受。这也正是借贷宝事业的初心:人人办金融,人人都是金融家的切入点之一。 目前,借贷宝已经完成两轮共45亿人民币融资,投资方包括大型商业银行及顶级股权投资机构,目前估值500亿人民币。值得注意的是,针对中小企业融资难、融资贵的问题,借贷宝于近期推出了企业版,或将成为新的增长点。 4、Stripe,美国企业,2010年创立,逐步发展成为一家在线支付解决方案提供商,为不同客户定制个性化的支付方案。Apple、Twitter、Facebook等巨头是其客户。目前,Stripe已在20多个国家运营,可以支持百余种货币交易,每年的交易额在十亿美元级别,有超过十万家公司使用,估值达50亿美金。 5、Funding Circle,英国企业,成立于2010年,定位于小型企业贷款业务,估值超过10亿美元。成立之初,正值欧洲金融危机持续发酵期,中小企业在传统金融机构申贷拒绝率显著提高,为Funding Circle的发展提供了机会。Funding Circle主要从现金流、资产、替代数据和稳定性四个维度进行信贷准入,同时所有的贷款都需要提供抵押或担保。 6、Avan,美国企业,创立于2012年,估值超过20亿美元。Avan专注于为介于信用优级和次级之间的借款人提供服务,通过大数据创建精确的消费者信用资料。值得注意的是,Avant放贷资金源于平台自身而非投资人。Avant的贷款额度平均为8000美元,最高可达到35000美元,其贷款利率最低为9%,最高可达36%,具体取决于风险核算结果。 7、Linkface,中国企业,人类对于便捷的需求是无穷尽的,新技术的出现必定会引领人们生活方式的变革,专注人脸识别技术的Linkface就是这样一家具有独角兽潜质的企业。 Linkface提供全球领先的人脸检测、识别技术服务,FDDB人脸检测公开测试世界第一,LFW人脸识别准确率已达99.5%以上。Linkface的人脸识别技术超越人眼极限,该“黑科技”为“刷脸付款”等应用场景的实现奠定了基础。目前,Linkface正服务于银联、借贷宝等金融客户。 当然,仅仅七家企业不能够代表全球的金融科技公司,但上述七家企业颇具代表性,有助于大家一窥FinTech全豹。可以想见,未来FinTech领域还会诞生更多的独角兽公司,市场格局也会不断变化。但不管怎么样,相较于单个企业的得失,FinTech行业整体发展更值得关注。 目前FinTech的前景看起来很美,但道阻且长,新事物的成长需要迈过不少坎坷。但可以确定的是,在这一过程中,最大的受益者将是数以亿计之前很难享受到传统金融服务的大众群体和中小企业。 金融科技创新大潮汹涌来袭,银行业将迎来“自动化拐点”。花旗预计,未来十年中,仅欧美银行业就将有30%、近200万从业人员将很快失去工作。中国银行业的处境不容乐观。除了蚂蚁金服、微众银行、京东金融以及借贷宝等新生事物带来的冲击,中国银行业还面临着经济转型期的巨大压力。银行“躺着赚钱”的日子一去不复返,利润零增长渐成常态。 金融科技行业的发展一开始出乎很多人的意料,但如今已成为一种全球化的现象。首先,在大数据、云计算、移动互联网等信息技术快速发展的推动下,金融与科技结合意愿强烈;其次,风险投资界看中金融科技公司的增长潜力,加大投资力度;最后,全球经济长期低迷,各国政策都在鼓励并支持金融新范式,以互联网支付、网络借贷(P2P)、互联网保险等为代表的金融业态快速发展,形态日趋多元化,已渐成星星之火,燎原之势。 随着金融市场改革、利率市场化以及资本市场热捧的催化,京东金融、陆金所、借贷宝相继完成巨额融资,蚂蚁金服和玖富正在酝酿B轮融资,且都有上市计划。以互联网巨头、传统金融机构和金融科技公司组成的“三分天下”格局逐渐明晰。 科技驱动金融创新,正是金融科技的本质。强调技术对金融的改造、革新乃至颠覆,而非传统金融产业的互联网化。网络借贷是金融科技公司中占比最高的行业。互联网平台帮助金融实现托媒,释放了过去始终未被满足的中小企业和个人消费者的投融资需求。互联网技术使得信息的流转更为快速和公开化,将原本旧有的依托人际交往来的渠道和资源的旧有商业模式打破,使得借贷得以在公开的平台上批量操作,将借贷的各个环节在市场上重新定价,推高了围绕平台搭建和运转的各个节点在借贷中的价值。 利用互联网和移动设备为客户提供纯线上服务,简化业务流程,优化产品界面,改善用户体验。这一策略在所有金融科技行业都适用。线上服务通常是自助服务,简单明晰的操作流程变得至关重要。在设计流程的时候必须从客户的角度出发,让整个操作流程能在短时间内通过点击鼠标就能完成金融科技最大的意义就是实现资金融通过程中的去中介化。 网络借贷平台的切入点在于对细分市场的把握程度。总体来说,网络借贷的客户群体主要为中小企业和个人消费者,但每家平台的业务切入点各有不同。玖富推出移动金融战略,致力于移动互联网和大数据风控技术为粉丝用户提供简单高效优质便捷金融服务。蚂蚁金服战略投资的趣分期则是面向大学生提供分期消费的金融服务平台,侧重于消费金融领域,主要针对大学生群体提供分期购物和现金消费等服务。九鼎集团旗下“借贷宝”定位于信息中介平台,专门针对熟人借贷领域,力求促使借贷行为标准化。初期通过资本驱动、大量的地推直接获取C端客户,其次通过与B端的合作导入客户,后期通过平台运营、借贷撮合对客户进行一定的筛选,快速甄别有效的客户,再造借贷关系链,盘活的民间资本,打造金融闭环。 金融行业的每次变革都与信息技术发展密切相关,新技术的运用正在改变金融行业的生态格局。科技在金融领域是不可阻挡的力量,可以改善客户服务、风险管理并提升效率,并会带动有新生力量发展。金融科技的颠覆之路是循序渐进的,成功公司通常会采用资本支撑科技、科技助力金融策略,成为行业中的领先者。 笔者认为,成功的金融科技公司的商业模式的有以下几点特质。首先,战略上固化细分领域,圈定服务人群;其次,通过特定营销模式获取有效C端客户。最终,利用互联网基础设施为客户提供纯线上服务,实现金融服务标准化。 宏观经济形势下行,整个金融业面临的问题与考验,会更为严峻。金融领域的新兴事物难以摆脱诸多风险的阴影,注定会伴着争议成长。
          ä½œè€…:刚刚        
金融本来就很宽泛,FINTECH自然也有很多。 最常见的一类是支付和小额借贷,通过一些手段来加快征信和支付可信流程,例如一些所谓的p2 p还有区块链一类的算此。还有就是用所谓的大数据也好ML也好做客户群体分类来提升银行卡分期业务量的,或者防止欺诈交易的 另一类就是瞎扯淡打分做心里评估让后帮助客户做ETF被动投资的。 还有就是一些交易数据分析的,例如很多量化基金就算此类。 总结,基本上号称自己做fintech的都是扯淡的骗子,就像渣男撩妹常说自己做金融的。 懂? 然而有很多人却并不知道它到底是什么意思。在搜索框中输入Fintech,在下拉框中立马就会出现“fintech什么意思”“fintech翻译”“fintech是什么”等字样,可见有很多人都想对它有一个更加深入的了解。那么小编今天就为大家献上一篇关于fintech的扫盲贴——fintech是什么意思,它为何如此火热,它与互联网金融有什么区别?来为大家解开fintech的前世今生。 Fintech是什么 Fintech其实是一个合成词,是Financial technology的缩写,直译过来fintech的中文就是“金融科技”。“金融科技”这四个字还是比较抽象,而且目前全球范围内对金融科技的概念还没有完整统一的定义,维基百科的定义是“一群通过科技让金融服务更高效的企业们所构成的一个经济产业,fintech公司通常是那些尝试绕过现存金融体系,而直接触达用户的初创企业,它们挑战着那些较少依赖于软件的传统机构”。沃顿商学院给出的临时定义是“用技术改进金融体系效率的经济行业”。蚂蚁金服总裁井贤栋认为“fintech并非简单的‘在互联网上做金融’,而是基于移动互联网、云计算和大数据等技术、实现金融服务和产品的发展创新和效率提升”。从业务领域看,目前对金融市场影响较大的金融科技领域主要包括四个类别:一是支付清算,电子货币以及区块链技术都可归入这一功能类别;二是直接或间接融资,P2P、众筹即属于这一类别;三是市场基础设施,包括大数据、云计算、电子身份认证、电子聚合器(E-Aggregators)、智慧合同(Smart Contracts)等;第四类是投资管理功能类别,包括机器人投资顾问、固息收益市场的电子自动交易等。 Fintech与互联网金融 看完上述关于fintech和金融科技的解释,你可能还是觉得有点丈二和尚摸不着头脑。没关系,让我们再来对比一下会被很多人弄混的“金融科技”和“互联网金融”的区别。金融科技,“金融”是用来修饰科“科技”的修饰成分,因此fintech的本质是指用来提高金融服务效率的科技手段,比如大数据、云计算、智能投顾、区块链、移动支付等现代技术,它们的出现大大提高了传统金融服务的速度和效率。而互联网金融的本质则还在于金融,它只不过是传统金融业务与联网技术结合后的升级版,“在互联网上做金融”。最典型的例子莫过于中国式P2P,互联网只是替代传统线下中间人的网络平台,实则没有太多科技含量。 下面我们就拿大数据、云计算、智能投顾和智能支付这几个领域举一些例子,以此来说明金融科技的伟大之处。 大数据和云计算 很多人可能会认为自己离着大数据和云计算这些现代技术很远,其实恰恰相反,我们几乎每个人每天都在接触大数据,只要你在使用着智能手机上的各种app,比如逛着淘宝京东,刷着微博微信,那么你就已经身处大数据的统计之中了。大家的手机上应该都有支付宝这个app,每个人都有一个属于自己的芝麻信用评分,这个评分如何算出来的呢?它就是在综合了你在阿里巴巴帝国下的所有网站、app(淘宝、天猫、支付宝、花呗、借呗等)上的交易履约记录后通过大数据和云计算得出的。在淘宝和其他网站上的“猜你喜欢”栏目,也是根据你的浏览记录而生成的,这些都可以帮助服务提供商根据消费者需求种类、需求大小等提前做好准备,从而实现精准营销,也大大提高了效率。 智能投顾和智能支付 智能投顾所运用的也是云计算的技术,通过综合分析您的资产、可承担风险的大小和期望的收益率而自动为投资项目配比。有了智能投顾就不需要每天都绞尽脑汁思考自己的资金配置,简直不能更方便。智能支付就更不用说了,它可能是目前大众在生活中运用最多的一项金融科技。走到上海的便利店、餐厅,使用现金支付的人少之又少,拿出支付宝、微信钱包或者苹果支付扫一扫付钱这个动作就能完成——只要一个手机,钱包都省得拿了。随着技术更加发展,指纹支付、刷脸支付等服务的普及也是指日可待。 目前国内发展情况 由于我国P2P网贷行业初期肆虐发展,造成行业内一度陷入大量平台跑路、倒闭的混乱场面,为了解决这一问题,国家对于互联网金融业连续出台了多部法规以规范行业发展。越来越多的公司企业意识到今后对于互联网金融的监管必将越来越严格,于是纷纷改名将自己定位成金融科技公司。 但是大家千万不要被这些企业的名字的定位所迷惑,其实现在只有两种金融科技公司,一种是只提供金融科技,但是本身并不提供相关金融服务和金融产品。他们搜集数据并提供计算和分析服务,与持牌机构合作,将结果供持牌机构使用。这种金融科技公司的概念是央行人士在互联网金融协会从业机构高管系列培训上提出的,目的无疑是为了划清金融和fintech的界限,然而这种想法在目前的情况下还是不太现实——毕竟在金融科技的初期,推动金融科技发展的动力就是为了提高本公司的金融服务的效率,因此只有有金融产品和服务的公司才会去研发金融科技。 这也就引出我们第二种金融科技公司:自己公司本身既做金融科技,又搞金融服务,自己的数据自己分析完了再服务于自己。其实目前我国只有第二种金融科技公司,比如蚂蚁金服、京东金融、百度金融等,其他自称为金融科技的公司是否有资质尚且存疑。 目前监管情况 前面也提到过了,由于对互联网金融的监管加强,许多公司集体改名以钻法律空子逃避监管。然而将名字改成“金融科技”就能万事大吉了吗?事实上,正如海投金融CEO王金龙所说,“科技公司与互联网金融公司受监管的模式不同,互联网金融公司要受到银监会等监管机构的管制,而科技公司则不需要,因此金融科技受到互联网金融公司的追捧。”但是随着金融科技在我国的发展进一步深入,小编相信,为了金融市场的稳定和有序发展,国家也必会出台相应法律法规来规范金融科技公司的操作,因此想要通过改名字来逃避监管的公司们,可千万不要掉以轻心咯。 范太克,英语Fintech(金融科技)的音译名。近些年,金融科技之风吹遍了全世界,“好风凭借力,送我上青云”,无论是行业大佬,还是草根平台,无不力图乘着这股东风,实现变道超速的梦想。 范太克到底是什么“鬼” 作为一个新兴的行业名词,国人印象中的金融科技就是互联网金融,二者虽有交集,不过这种看法还是以偏概全了。最近,在康奈尔大学发表的一篇演讲中,京东金融CEO陈生强对金融科技进行了一次个人阐述,引发行业关注。陈生强认为,金融科技并非市场所认为的只是创业公司,实际上,凡是以数据和技术为核心驱动力,能为金融行业提供服务、提高效率、降低成本的公司,都可以称之为金融科技公司,包括Goldman Sachs(高盛)、Fidelity Investment Group(富达)为代表的全球顶尖金融机构和投资机构,实际上也已经转型为以数据科技为核心驱动力的公司。 由此可见,金融科技有两大核心:数据和技术。借助这两者的驱动,智能性、便捷性、低成本成为金融科技的显著特点,并迅速“秒杀”传统金融服务,覆盖到越来越多的人群,并正在引发一场全球性的金融变革。 数据技术成为企业“命门” 金融科技之所以能够全面“入侵”我们的生活,是源于大数据和科技创新的双重驱动。特别是金融科技领域,大数据得到了广泛运用,大数据风控和智能化的投顾,即通过数据挖掘能力和模型开发能力,以及机器学习技术共同评估传统信贷风险,以降低金融风险,以及利用人工智能技术进行资产配置。目前,这两个领域正在成为行业巨头们布局的重点。正如京东金融CEO陈生强而言,数据技术是金融科技的灵魂。 中国正成为全球金融科技中心 这不是说中国的金融科技创新有多领先,而是因为庞大的人口基数所带来的多样化金融需求,无论从用户量,还是交易额,中国金融市场正成为这场变革最大的受益者。正是由于我国的金融体制不完善,和欧美国家相比差距很大,很多传统金融长期无法覆盖的地方,为金融科技提供了巨大的发展空间。另外,逐渐崛起的80、90后不但正在积极享受科技创新带来的金融服务优化升级,更是成为这场金融变革的主导力量,并由此带来国内创新能力的突飞猛进。 欧美范太克 飞入寻常百姓家 Wealthfront,一款来自美国的在线投资理财平台,通过技术创新,使得财富管理、投资理财标准化、在线化、批量化,在提高效率的基础上降低成本;开创股权众筹先河的AngelList,已经成为服务于创业企业的集投融资、求职招聘以及社交功能于一体的巨大众筹平台;英国首家手机银行Atom,已经实现了通过手机、电子邮件、网页聊天工具或社交网络等方式,为用户提供全天24小时手机银行服务。看到这一趋势蕴含的巨大市场,从高盛、摩根大通到谷歌、苹果、Facebook等,行业巨头的涉足,巨额资本的涌入,已经让金融科技类投资成为全球增长最快的领域。 互联网大佬抢食金融科技 金融科技的东风吹到国内后,前有京东金融的开山布局,后有蚂蚁金服、众安保险等尾随跟进,在巨头的引领下,一些第三方支付、P2P、保险、证券等公司也纷纷加入,行业一时盛况空前。 蚂蚁金融在完成B轮融资后,持续在金融科技方面发声,金融服务已经覆盖了从线上到线下诸多场景,而大数据、云计算、移动互联等科技,已经成为提高金融领域各个环节服务效率的主要推动力。而作为国内首家互联网保险公司,众安保险也表示,运用数据和技术,立足于服务新型互联网生态,改造传统产业链,同时严格把握风控指向标,保障金融安全。随着巨头的深入布局和持续发声,金融科技的竞争已悄然开启。 随着科技创新对金融行业的不断改造与颠覆,以及大佬的深入布局,越来越多的互联网金融企业正不断强化自身品牌的科技基因,特别是数据和技术这两大发力点,实现可持续发展 陆金所: 从做P2P平台起家,现在P2P已经占陆金所业务体量的不到10%。陆金所在剥离P2P业务,可能是为之后的上市做考虑。 BAT: 阿里巴巴:蚂蚁金服,出了大家用了甩也甩不掉的某宝……这个不多介绍了哈,也是彭博社有消息说2016年年底也要上市,B轮融资吸引的投资人是清一色的国字号,目前说是会在境内上市,不过如果符合相关规定的话,也会考虑内地+香港两地上市; 百度:百度钱包,最近又新出了一个私募股权众筹平台。感觉百度在这块算是BAT中起步比较慢的。 腾讯:微信钱包,财付通等。腾讯是凭借微信的强大社交,再慢慢开始做支付,做理财,之后可能还会做征信等等。 京东金融: 京东金融实际上早在两年半前就开始苦心经营,如今已形成清晰的七大业务板块。 虽然七大版图看着挺热闹,但目前来说,真正重要的可能只有三个。 根据36氪引述京东金融的一份融资报告,在京东金融各线业务中,众筹、消费金融和供应链金融这三块业务为京东金融总营收贡献了九成。截止2015年年底,起步最早的供应链金融是京东金融唯一盈利的业务。 2016年1月,京东金融宣布获66.5亿人民币(约合10亿美元)A轮融资。刘强东称未来3至5年将打造至少2家上市公司。 融资资料显示,京东金融拟2017年于A股战略新兴板上市,若无法满足A股上市条件,不排除赴海外上市可能。但考虑到战略新兴板没写入十三五规划,京东金融可能还是得多在海外市场上留一点心。 苏宁金服: 4月24日晚间,苏宁云商发布公告,公司拟对旗下第三方支付、供应链金融、理财、保险销售、基金销售、众筹、预付卡等金融业务进行整合,搭建苏宁金服平台。重组完成后,苏宁金服投后估值为166.67亿元。都说苏宁金服和蚂蚁金服会长得比较像,但是……这也太像了! 此次业务重组,未将消费金融业务(苏宁消费金融有限公司,后称“苏宁消费金融”)纳入重组范围。公告称,这是因为原因是苏宁消费金融并非苏宁云商的控股子公司——后者持前者49%股权。所以,根据法律规定,现阶段还不能转让苏宁消费金融的股权。 这里雪梨酱再多说一句,对比苏宁金服和蚂蚁金服的业务模式,发现二者的业务基本一致。看起来做金融服务,蚂蚁金服的这套业务版图,的确是各家“驳样”的对象。 当然也有不同:相比蚂蚁金服,苏宁金服少了一个金融云,多了一个“预付卡”。这或许与二者母体的起家业务有关。 十余年前,阿里巴巴从2B,2C的电商业务起家,需要同时为海量商户提供标准化的基础设施和金融服务,因此阿里有把金融服务的基础设施做好的土壤和需求。 关于苏宁金服的预付卡业务,现在实体商店、B2C电商出售预付卡已经成为了一种常态。而苏宁从实体起家,这一块业务也算是题中应有之义。 正略钧策管理咨询高级顾问何卿杰分析,预付卡业务可以为沉淀资金,形成投资收益。除此之外,很多预付卡会因过期作废、遗失等原因而“沉睡”,这时消费卡的余额则被发卡商无偿占有。
          ä½œè€…:金融观察猿        
金融本来就很宽泛,FINTECH自然也有很多。 最常见的一类是支付和小额借贷,通过一些手段来加快征信和支付可信流程,例如一些所谓的p2 p还有区块链一类的算此。还有就是用所谓的大数据也好ML也好做客户群体分类来提升银行卡分期业务量的,或者防止欺诈交易的 另一类就是瞎扯淡打分做心里评估让后帮助客户做ETF被动投资的。 还有就是一些交易数据分析的,例如很多量化基金就算此类。 总结,基本上号称自己做fintech的都是扯淡的骗子,就像渣男撩妹常说自己做金融的。 懂? 然而有很多人却并不知道它到底是什么意思。在搜索框中输入Fintech,在下拉框中立马就会出现“fintech什么意思”“fintech翻译”“fintech是什么”等字样,可见有很多人都想对它有一个更加深入的了解。那么小编今天就为大家献上一篇关于fintech的扫盲贴——fintech是什么意思,它为何如此火热,它与互联网金融有什么区别?来为大家解开fintech的前世今生。 Fintech是什么 Fintech其实是一个合成词,是Financial technology的缩写,直译过来fintech的中文就是“金融科技”。“金融科技”这四个字还是比较抽象,而且目前全球范围内对金融科技的概念还没有完整统一的定义,维基百科的定义是“一群通过科技让金融服务更高效的企业们所构成的一个经济产业,fintech公司通常是那些尝试绕过现存金融体系,而直接触达用户的初创企业,它们挑战着那些较少依赖于软件的传统机构”。沃顿商学院给出的临时定义是“用技术改进金融体系效率的经济行业”。蚂蚁金服总裁井贤栋认为“fintech并非简单的‘在互联网上做金融’,而是基于移动互联网、云计算和大数据等技术、实现金融服务和产品的发展创新和效率提升”。从业务领域看,目前对金融市场影响较大的金融科技领域主要包括四个类别:一是支付清算,电子货币以及区块链技术都可归入这一功能类别;二是直接或间接融资,P2P、众筹即属于这一类别;三是市场基础设施,包括大数据、云计算、电子身份认证、电子聚合器(E-Aggregators)、智慧合同(Smart Contracts)等;第四类是投资管理功能类别,包括机器人投资顾问、固息收益市场的电子自动交易等。 Fintech与互联网金融 看完上述关于fintech和金融科技的解释,你可能还是觉得有点丈二和尚摸不着头脑。没关系,让我们再来对比一下会被很多人弄混的“金融科技”和“互联网金融”的区别。金融科技,“金融”是用来修饰科“科技”的修饰成分,因此fintech的本质是指用来提高金融服务效率的科技手段,比如大数据、云计算、智能投顾、区块链、移动支付等现代技术,它们的出现大大提高了传统金融服务的速度和效率。而互联网金融的本质则还在于金融,它只不过是传统金融业务与联网技术结合后的升级版,“在互联网上做金融”。最典型的例子莫过于中国式P2P,互联网只是替代传统线下中间人的网络平台,实则没有太多科技含量。 下面我们就拿大数据、云计算、智能投顾和智能支付这几个领域举一些例子,以此来说明金融科技的伟大之处。 大数据和云计算 很多人可能会认为自己离着大数据和云计算这些现代技术很远,其实恰恰相反,我们几乎每个人每天都在接触大数据,只要你在使用着智能手机上的各种app,比如逛着淘宝京东,刷着微博微信,那么你就已经身处大数据的统计之中了。大家的手机上应该都有支付宝这个app,每个人都有一个属于自己的芝麻信用评分,这个评分如何算出来的呢?它就是在综合了你在阿里巴巴帝国下的所有网站、app(淘宝、天猫、支付宝、花呗、借呗等)上的交易履约记录后通过大数据和云计算得出的。在淘宝和其他网站上的“猜你喜欢”栏目,也是根据你的浏览记录而生成的,这些都可以帮助服务提供商根据消费者需求种类、需求大小等提前做好准备,从而实现精准营销,也大大提高了效率。 智能投顾和智能支付 智能投顾所运用的也是云计算的技术,通过综合分析您的资产、可承担风险的大小和期望的收益率而自动为投资项目配比。有了智能投顾就不需要每天都绞尽脑汁思考自己的资金配置,简直不能更方便。智能支付就更不用说了,它可能是目前大众在生活中运用最多的一项金融科技。走到上海的便利店、餐厅,使用现金支付的人少之又少,拿出支付宝、微信钱包或者苹果支付扫一扫付钱这个动作就能完成——只要一个手机,钱包都省得拿了。随着技术更加发展,指纹支付、刷脸支付等服务的普及也是指日可待。 目前国内发展情况 由于我国P2P网贷行业初期肆虐发展,造成行业内一度陷入大量平台跑路、倒闭的混乱场面,为了解决这一问题,国家对于互联网金融业连续出台了多部法规以规范行业发展。越来越多的公司企业意识到今后对于互联网金融的监管必将越来越严格,于是纷纷改名将自己定位成金融科技公司。 但是大家千万不要被这些企业的名字的定位所迷惑,其实现在只有两种金融科技公司,一种是只提供金融科技,但是本身并不提供相关金融服务和金融产品。他们搜集数据并提供计算和分析服务,与持牌机构合作,将结果供持牌机构使用。这种金融科技公司的概念是央行人士在互联网金融协会从业机构高管系列培训上提出的,目的无疑是为了划清金融和fintech的界限,然而这种想法在目前的情况下还是不太现实——毕竟在金融科技的初期,推动金融科技发展的动力就是为了提高本公司的金融服务的效率,因此只有有金融产品和服务的公司才会去研发金融科技。 这也就引出我们第二种金融科技公司:自己公司本身既做金融科技,又搞金融服务,自己的数据自己分析完了再服务于自己。其实目前我国只有第二种金融科技公司,比如蚂蚁金服、京东金融、百度金融等,其他自称为金融科技的公司是否有资质尚且存疑。 目前监管情况 前面也提到过了,由于对互联网金融的监管加强,许多公司集体改名以钻法律空子逃避监管。然而将名字改成“金融科技”就能万事大吉了吗?事实上,正如海投金融CEO王金龙所说,“科技公司与互联网金融公司受监管的模式不同,互联网金融公司要受到银监会等监管机构的管制,而科技公司则不需要,因此金融科技受到互联网金融公司的追捧。”但是随着金融科技在我国的发展进一步深入,小编相信,为了金融市场的稳定和有序发展,国家也必会出台相应法律法规来规范金融科技公司的操作,因此想要通过改名字来逃避监管的公司们,可千万不要掉以轻心咯。 范太克,英语Fintech(金融科技)的音译名。近些年,金融科技之风吹遍了全世界,“好风凭借力,送我上青云”,无论是行业大佬,还是草根平台,无不力图乘着这股东风,实现变道超速的梦想。 范太克到底是什么“鬼” 作为一个新兴的行业名词,国人印象中的金融科技就是互联网金融,二者虽有交集,不过这种看法还是以偏概全了。最近,在康奈尔大学发表的一篇演讲中,京东金融CEO陈生强对金融科技进行了一次个人阐述,引发行业关注。陈生强认为,金融科技并非市场所认为的只是创业公司,实际上,凡是以数据和技术为核心驱动力,能为金融行业提供服务、提高效率、降低成本的公司,都可以称之为金融科技公司,包括Goldman Sachs(高盛)、Fidelity Investment Group(富达)为代表的全球顶尖金融机构和投资机构,实际上也已经转型为以数据科技为核心驱动力的公司。 由此可见,金融科技有两大核心:数据和技术。借助这两者的驱动,智能性、便捷性、低成本成为金融科技的显著特点,并迅速“秒杀”传统金融服务,覆盖到越来越多的人群,并正在引发一场全球性的金融变革。 数据技术成为企业“命门” 金融科技之所以能够全面“入侵”我们的生活,是源于大数据和科技创新的双重驱动。特别是金融科技领域,大数据得到了广泛运用,大数据风控和智能化的投顾,即通过数据挖掘能力和模型开发能力,以及机器学习技术共同评估传统信贷风险,以降低金融风险,以及利用人工智能技术进行资产配置。目前,这两个领域正在成为行业巨头们布局的重点。正如京东金融CEO陈生强而言,数据技术是金融科技的灵魂。 中国正成为全球金融科技中心 这不是说中国的金融科技创新有多领先,而是因为庞大的人口基数所带来的多样化金融需求,无论从用户量,还是交易额,中国金融市场正成为这场变革最大的受益者。正是由于我国的金融体制不完善,和欧美国家相比差距很大,很多传统金融长期无法覆盖的地方,为金融科技提供了巨大的发展空间。另外,逐渐崛起的80、90后不但正在积极享受科技创新带来的金融服务优化升级,更是成为这场金融变革的主导力量,并由此带来国内创新能力的突飞猛进。 欧美范太克 飞入寻常百姓家 Wealthfront,一款来自美国的在线投资理财平台,通过技术创新,使得财富管理、投资理财标准化、在线化、批量化,在提高效率的基础上降低成本;开创股权众筹先河的AngelList,已经成为服务于创业企业的集投融资、求职招聘以及社交功能于一体的巨大众筹平台;英国首家手机银行Atom,已经实现了通过手机、电子邮件、网页聊天工具或社交网络等方式,为用户提供全天24小时手机银行服务。看到这一趋势蕴含的巨大市场,从高盛、摩根大通到谷歌、苹果、Facebook等,行业巨头的涉足,巨额资本的涌入,已经让金融科技类投资成为全球增长最快的领域。 互联网大佬抢食金融科技 金融科技的东风吹到国内后,前有京东金融的开山布局,后有蚂蚁金服、众安保险等尾随跟进,在巨头的引领下,一些第三方支付、P2P、保险、证券等公司也纷纷加入,行业一时盛况空前。 蚂蚁金融在完成B轮融资后,持续在金融科技方面发声,金融服务已经覆盖了从线上到线下诸多场景,而大数据、云计算、移动互联等科技,已经成为提高金融领域各个环节服务效率的主要推动力。而作为国内首家互联网保险公司,众安保险也表示,运用数据和技术,立足于服务新型互联网生态,改造传统产业链,同时严格把握风控指向标,保障金融安全。随着巨头的深入布局和持续发声,金融科技的竞争已悄然开启。 随着科技创新对金融行业的不断改造与颠覆,以及大佬的深入布局,越来越多的互联网金融企业正不断强化自身品牌的科技基因,特别是数据和技术这两大发力点,实现可持续发展 陆金所: 从做P2P平台起家,现在P2P已经占陆金所业务体量的不到10%。陆金所在剥离P2P业务,可能是为之后的上市做考虑。 BAT: 阿里巴巴:蚂蚁金服,出了大家用了甩也甩不掉的某宝……这个不多介绍了哈,也是彭博社有消息说2016年年底也要上市,B轮融资吸引的投资人是清一色的国字号,目前说是会在境内上市,不过如果符合相关规定的话,也会考虑内地+香港两地上市; 百度:百度钱包,最近又新出了一个私募股权众筹平台。感觉百度在这块算是BAT中起步比较慢的。 腾讯:微信钱包,财付通等。腾讯是凭借微信的强大社交,再慢慢开始做支付,做理财,之后可能还会做征信等等。 京东金融: 京东金融实际上早在两年半前就开始苦心经营,如今已形成清晰的七大业务板块。 虽然七大版图看着挺热闹,但目前来说,真正重要的可能只有三个。 根据36氪引述京东金融的一份融资报告,在京东金融各线业务中,众筹、消费金融和供应链金融这三块业务为京东金融总营收贡献了九成。截止2015年年底,起步最早的供应链金融是京东金融唯一盈利的业务。 2016年1月,京东金融宣布获66.5亿人民币(约合10亿美元)A轮融资。刘强东称未来3至5年将打造至少2家上市公司。 融资资料显示,京东金融拟2017年于A股战略新兴板上市,若无法满足A股上市条件,不排除赴海外上市可能。但考虑到战略新兴板没写入十三五规划,京东金融可能还是得多在海外市场上留一点心。 苏宁金服: 4月24日晚间,苏宁云商发布公告,公司拟对旗下第三方支付、供应链金融、理财、保险销售、基金销售、众筹、预付卡等金融业务进行整合,搭建苏宁金服平台。重组完成后,苏宁金服投后估值为166.67亿元。都说苏宁金服和蚂蚁金服会长得比较像,但是……这也太像了! 此次业务重组,未将消费金融业务(苏宁消费金融有限公司,后称“苏宁消费金融”)纳入重组范围。公告称,这是因为原因是苏宁消费金融并非苏宁云商的控股子公司——后者持前者49%股权。所以,根据法律规定,现阶段还不能转让苏宁消费金融的股权。 这里雪梨酱再多说一句,对比苏宁金服和蚂蚁金服的业务模式,发现二者的业务基本一致。看起来做金融服务,蚂蚁金服的这套业务版图,的确是各家“驳样”的对象。 当然也有不同:相比蚂蚁金服,苏宁金服少了一个金融云,多了一个“预付卡”。这或许与二者母体的起家业务有关。 十余年前,阿里巴巴从2B,2C的电商业务起家,需要同时为海量商户提供标准化的基础设施和金融服务,因此阿里有把金融服务的基础设施做好的土壤和需求。 关于苏宁金服的预付卡业务,现在实体商店、B2C电商出售预付卡已经成为了一种常态。而苏宁从实体起家,这一块业务也算是题中应有之义。 正略钧策管理咨询高级顾问何卿杰分析,预付卡业务可以为沉淀资金,形成投资收益。除此之外,很多预付卡会因过期作废、遗失等原因而“沉睡”,这时消费卡的余额则被发卡商无偿占有。
          ä½œè€…:我从尘埃来        
Fintech的重心在科技而非金融,着眼于以科技为核心驱动力,实现金融目的。 但是这8家企业:国内的众安和趣分期、国外Oscar、Wealthfront、funding circle、Kreditech、Avant和Atom,除了wealthfront运用了基于大数据和人工智能的robot advisor技术,kreditech运用基于大数据的信用分析,其它几家都只是互联网化的金融机构,把它们归于互联网金融更加合适。 这样划分的重要原因是,以科技为核心的金融和运用科技的金融本质上是不同的。以大数据为例,在目前平台化交易的金融企业,不管是保险还是借贷授信,都会接触海量数据。关键是运用大数据进行分析时,到底是浅层运用,还是结合商业智能、区块链等其它科技进行数据的深度分析和利用。 这和互联网金融刚出来时候大家的错觉很相似:是否传统金融行业只要“触网”就都变身成了互联网金融企业? 如果互联网只是渠道和触点,没有在更深层次上改变企业的运营模式和获利模式,只不过是传统金融企业进行互联网化开始的一小步。 国内的例子里众安和趣分期都不属于真正金融科技公司。 以众安为例,它是非常典型的互联网金融公司,价值链各个环节基本都在线上实现。但是起码在目前,它的商业模式里技术并没有成为主导和核心。 说句题外话,虽然众安现在吹捧的声音很高,主要都是集中在它创新的部分。然而从财报来看,特别是对比第四季度双十一期间和第一季度双十一结束的数据,一旦作为其主要保费来源的运费险脱离淘宝的语境,保费收入就大幅滑坡。 而它的车险部分,即后来推出的保骉车险,主要还是依托于平安车险之上,充其量是平安车险的网销平台。这也不难理解,车险作为售后环节(出险、理赔等)大量倚赖线下实现的险种,想要完全轻质地互联网化,是非常困难的。 FinTech到底有多火,我不知道。我知道的是“有人在说这玩意儿很火,因为有机构出了个报告,而且有人希望这玩意儿很火,更希望自己也能贴上这个标签”。 在“传统金融机构”的“创新业务”部门来看,这跟“花更多的钱、引进更强的数据分析、AI、开发更多的自动化功能......”有什么区别呢? 不是某些成熟企业、部门现有职能的延伸、升级吗?是跟现有模式有量的区别,还是质的不同? 嗯,还是有区别的,一是叫法不同,二是重点“有些”不同吧,三是一旦成功贴上了这个标签,会显得自己牛逼一些。 扯远了,说回来,先弄清楚FinTech到底是什么吧?你一定会发现,当所有能清晰解释这个名词的文字被用光了之后,你还是没能弄清楚FinTech到底为何物,当然你也会有所发现,比如发现“越来越难以区分这玩意跟已有东西的区别”,还没有这种企业和现象,就弄出了一个词儿,这次生造和引用概念的同学们,忽略了一个事儿,这次嘴比脑袋得快,没配合好。 为什么要弄清楚?因为不清楚啊! 为什么不清楚?因为本来没啥本质区别啊! 为啥会有这个名词呢?因为之前也有人说“互联网思维”啊,一贴上就Niubility。 是不是FinTech本来是说“某些金融企业里,技术手段用的比别人更多”而已?似乎更像是这个偏重的差异而已,那就说得通了...... 我也希望这个名词不是个“概念”,因为我们也正打算为自己的公司定位造一个特别牛逼的词儿用在BP里,有一天我们终于想出了一个词叫:InsurTech,激动坏了,直到一搜发现有人已经造了...... 要是不能成为第一个造词儿的,那么也得成为第一个解释的权威吧,反正重点在于装逼成功,动动嘴皮子也不用花多大力气...... FinTech,这个逼装的,给满分! “金融科技”这一名词是个舶来品,我们总看到的“FinTech”是“Financial Technology”的缩写。 在FinTech2011年被正式提出之前,主要是美国硅谷和英国伦敦的互联网技术创业公司将一些信息技术用于非银行支付交易的流程改进、安全提升。 后来,这些科技初创公司将车联网(IoV)、大数据、人工智能(AI)等各种最前沿的信息与计算机技术应用到证券经纪交易(Brokers)、银行信贷(Lending)、保险(Insurance)、资产管理(Wealth/asset management)等零售金融业务领域,形成了不依附于传统金融机构与体系的金融IT力量,并独自发展起来。 2009年至今,金融科技已经发展至3.0时代。金融科技的出现频率正在高速增长,并呈现替代"互联网金融"的趋势。 FSB(金融稳定理事会)的最新定义指出,金融科技是指技术带来的金融创新,它能创造新的模式、业务、流程与产品,从而对金融市场提供的服务和模式造成重大的影响。既可以包括前端产业也包含后台技术。 
从业务领域看,目前对金融市场影响较大的金融科技已经形成四大领域: 第一,支付清算。包含手机和网络支付、电子货币以及区块链; 第二,囊括直接融资、间接融资在内的融资模式。包括众筹、P2P网贷、电子货币、区块链等; 第三,基础设施。包含电子聚合器、智慧合同、大数据、云计算、电子身份认证; 第四,投资管理。包含机器人投资顾问、电子自动交易、智慧合同。 Fintech目前在国内 还是更概念化点 我对Fintech的理解还是科技驱动金融 以算法提升效率 提高风险定价效率——就是快速包装! 加快风险转移效率——就是快速卖掉! 目前国内从余额宝开始大家都在走捷径 几乎清一色的的在加快销售效率上 即使部分所谓智能投顾 看过他们的配置方案后 在我看来配置算法搞不好都是拍脑袋的 但我觉得如果Fintech如果不能在风险定价上有突破 也就是个花拳绣腿而已 但就现在国内个人征信数据真实性背景下 太难了 至于楼下提到的区块链技术 更适合央行这个级别的去玩 想想你每一分钱的路径央行都知道 什么反洗钱都弱爆了 金融机构玩区块链感觉大炮打蚊子了
          Fintech forces the fate of US financials        
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          Financial institutions M&A: Fintech        
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          #CoolJobs : 5 offres d’emploi chez Bolden, Qonto, WAOUP, Kameleoon et Heetch        
Maddyness sélectionne chaque semaine cinq offres d’emploi dans le numérique et l’innovation, via son jobboard AZERTY Jobs. Envie de changer de job et de travailler dans le numérique ? De participer à une aventure entrepreneuriale ? Découvrez notre sélection des meilleures offres chez Bolden, Qonto, WAOUP, Kameleoon et Heetch. 1. Data Engineer – Bolden Le Pitch : Bolden est une Fintech composée de professionnels […]https://www.maddyness.com/entrepreneurs/2017/08/03/cooljobs-5-offres-demploi-chez-bolden-qonto-waoup-kameleoon-heetch/ est un article de http://www.maddyness.com
          Dream Payments Deploys International Payment Networks with IBM Cloud for VMware Solutions        
Dream Payments is a FinTech company powering payments across mobile devices and the Internet of Things. They are scaling rapidly and are now used by thousands of businesses. In this session, you will learn how Dream Payments is ...
          Fintech oferece crédito com imóvel de garantia com menor taxa do mercado e processo mais ágil        
Descomplicando o refinanciamento imobiliário, a BCredi agora vai disponibilizar uma taxa de 1,15% com uma operação que libera o empréstimo em até 10 dias A BCredi (www.bcredi.com.br), fintech do Conglomerado Financeiro Barigui focada em descomplicar a oferta de crédito, oferecendo juros mais baixos, maior prazo de pagamento e rápida aprovação, lança uma nova taxa de
Leia mais
          CM conquista mais dois clientes na área de negócios        
A agência passa a atender a fintech BCredi, que atua na oferta de crédito com imóvel de garantia, e a Vendrame Consultores, empresa especializada na área de Saúde e Segurança do Trabalho A CM Comunicação Corporativa, agência criada há cinco anos pela jornalista, assessora e professora de comunicação Cris Moraes, passa a atender dois novos
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          Fintech brasileira mira no crédito de home equity        
A BCredi, startup do Conglomerado Financeiro Barigui, descomplica a oferta de crédito com imóvel de garantia com taxas menores e operação online eficaz Visando descomplicar a oferta de crédito, oferecendo juros mais baixos na modalidade com garantia, maior prazo de pagamento e rápida aprovação, surgiu a BCredi (www.bcredi.com.br), fintech que fornece crédito imobiliário em um
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          Neha verma's blog post was featured        
Neha verma's blog post was featured

Salaries in Indian Startups 2016-17

What is my market worth?One question that even the most satisfied of us can’t ignore at times. Whether you are negotiating your annual appraisal or interviewing for a new job or simply attending a family dinner, this question keeps popping up.For those of us who are recruiting or running their startups, this question becomes even more important. Offer too little and you will lose the target candidates silently. Offer too much and you start bleeding money, or worse attract wrong kind of people to your company.Introducing CutShort Salary Report 2016–17Given the importance of this question, we at CutShort turned to the salary data from a sample of ~50,000 users who signed up between January 2016 to June 2017.Since our userbase is primarily experienced professionals working (or interested in working at startups) and share their salary information in a very specific context of their job search, we believe this report is the only one that the growing Indian startup ecosystem could actually use. Other surveys by websites or agencies are either too “casual” or lack the startup focus this report has.The average experience of our population was 4.4 years. The split looked like this:These users had worked in 11,000+ companies, some of them are shown below:Executive SummaryThe 18 month period covered in this report (Jan 2016 to June 2017) was pretty unique. The salaries were definitely stronger, given the previous years of easy funding situation and overall healthy growth rate.In the end of 2016, we saw funding crunch and in 2017 there are widespread news of overall maturity in the compensation area. The impact of this is to be ascertained next year.Although Bengaluru (unsurprisingly) ruled the roost in the salaries, we were surprised that Mumbai beath Delhi NCR quite convincingly. We were indeed surprised to to find that the lesser known companies paying more than the assumed leaders.We summarize the key insights below.Comparing job functions: Techies get paid moreThere has been an intense competition for good tech talent by both startups and other product companies, it’s no wonder that techies get paid about 20% more an average than the non techies.Comparing Sectors: Ecommerce and Fin-tech paid moreEcommerce companies bagged the lion’s share of startup funding in last 5 years and that’s why paid about 20% higher salaries than other sectors.On the other hand, Fintech has been an interesting story. It has not been a funding guzzler, but has paid more for professionals with more experience. This suggests that when it comes Fintech, domain expertise clearly matters.                                                     Salaries across different sectorsThis is just a glimpse of this report. You can view this entire report here. Also check our latest salary calculator here.Let me know if you have any feedback.See More

          Darryl Zuzarte's event was featured        
Darryl Zuzarte's event was featured

NASSCOM 10000 Startups : India Fintech Day at Grand Hyatt

September 13, 2017 from 9am to 6pm
Hi All,We are delighted to announce the 2nd Edition of INDIA FINTECH DAY on September 13, 2017 at Grand Hyatt Santacruz, Mumbai.The broad theme for this year’s conference is “Fintech in 5 – Trends disrupting traditional financial services in the next 5 years”, with following focus areas: Artificial IntelligenceBlockchainCybersecurityAlternate Lending A daylong flagship event by NASSCOM 10000 Start-ups which will bring together the top Business Leaders, CXOs, Government Officials, Start-ups, Investors and Subject Matter experts. You can read more about the conference here - http://indiafintechday2017.10000startups.in/ What to watch out for this year: Keynotes by Industry LeadersProduct ShowcasesMasterclassesCXO Fintech RoundtableInvestor KonnectNIPP Corporate KonnectRegistration link: https://in.explara.com/e/fintech2017We look forward to your participation and meeting you in person on the 13th September. See More

          FinTech Sandbox Announces Demo Day 4.0        

Seven startups to demonstrate FinTech products and progress in Boston on April 20

(PRWeb April 05, 2017)

Read the full story at http://www.prweb.com/releases/2017/04/prweb14212345.htm


          Data Simply Becomes First FinTech Sandbox Alumnus to Return as a Data Partner        

Will make unstructured data hidden in SEC filings available via API.

(PRWeb December 15, 2016)

Read the full story at http://www.prweb.com/releases/2016/12/prweb13924987.htm


          Moody’s Analytics Joins FinTech Sandbox as Data Partner to Promote Financial Services Innovation        

Will make credit and risk managment products available to startups in order to advance innovation in FinTech

(PRWeb November 07, 2016)

Read the full story at http://www.prweb.com/releases/2016/10/prweb13801534.htm


          FinTech Sandbox Announces Demo Day 3.0, Reveals Lineup of Presenters        

Eight startups to demonstrate FinTech savvy and progress in Boston Demo Day on November 1

(PRWeb October 17, 2016)

Read the full story at http://www.prweb.com/releases/2016/10/prweb13765336.htm


          FinTech Sandbox Adds State Street to List of Sponsors to Promote Financial Services Innovation        

Hu Liang, State Street Senior Vice President and head of its Emerging Technologies Center, joining FinTech Sandbox Advisory Board

(PRWeb October 05, 2016)

Read the full story at http://www.prweb.com/releases/2016/10/prweb13734414.htm


          TradeItTM Joins Non-Profit FinTech Sandbox to Promote Financial Services Innovation        

Access to TradeIt APIs and SDKs will allow FinTech Sandbox startups to easily integrate with online brokers and mobile apps

(PRWeb September 07, 2016)

Read the full story at http://www.prweb.com/releases/2016/09/prweb13655704.htm


          FinTech Sandbox Teams Up With EDGAR®Online        

FinTech Sandbox startups gain broader access to SEC filings data

(PRWeb June 06, 2016)

Read the full story at http://www.prweb.com/releases/2016/05/prweb13422870.htm


          Exchange Data International Joins FinTech Sandbox as Newest Data Partner        

Will make comprehensive and complete securities reference data for the world’s equity and fixed income instruments available to startups in order to advance innovation in FinTech

(PRWeb June 01, 2016)

Read the full story at http://www.prweb.com/releases/2016/05/prweb13448446.htm


          FinTech Sandbox Produces Boston’s Largest FinTech Gathering to Celebrate Its One-Year Anniversary        

The Sandbox brings hundreds of FinTech Entrepreneurs, Investors and Industry Influencers together over three days for our Demo Day and related events

(PRWeb March 07, 2016)

Read the full story at http://www.prweb.com/releases/2016/03/prweb13248855.htm


          FinTech Sandbox Welcomes Experian as Data Provider        

Select FinTech startups gain free access to business data from leading global information services company

(PRWeb February 22, 2016)

Read the full story at http://www.prweb.com/releases/2016/02/prweb13221809.htm


          FinTech Sandbox Adds The Associated Press as a Data Provider        

FinTech startups gain free access to real-time and archival data from global news company.

(PRWeb February 01, 2016)

Read the full story at http://www.prweb.com/releases/2016/01/prweb13188312.htm


          FinTech Sandbox Celebrates Success of the Forbes FinTech 50        

Seven Members of the Sandbox Community Receive Inaugural Honor from Forbes Magazine

(PRWeb December 17, 2015)

Read the full story at http://www.prweb.com/releases/2015/12/prweb13131438.htm


          Morningstar Joins FinTech Sandbox as Data Provider        

Innovative FinTech startups gain free access to market data for more than 15 million instruments for use during product development

(PRWeb October 26, 2015)

Read the full story at http://www.prweb.com/releases/2015/10/prweb13038483.htm


          FinTech Sandbox Welcomes Intrinio as a Data Partner        

FinTech startups gain free access to a breadth of investment-grade financial data

(PRWeb October 23, 2015)

Read the full story at http://www.prweb.com/releases/2015/10/prweb13032789.htm


          FinTech Sandbox Adds Estimize as Newest Data Partner        

Sandbox participants will be offered free access to crowdsourced earnings estimates from the popular online platform

(PRWeb September 08, 2015)

Read the full story at http://www.prweb.com/releases/2015/09/prweb12941793.htm


          FinTech Sandbox Advances Its Mission With New Quandl Data Partnership        

FinTech Sandbox Residents Now Gain Access to More Than 20 Million Datasets from Quandl, including Zacks Investment Research’s Earnings Estimates.

(PRWeb August 20, 2015)

Read the full story at http://www.prweb.com/releases/2015/08/prweb12910968.htm


          FinTech Sandbox Adds StockTwits To Fast Growing Portfolio of Data Providers        

FinTech Sandbox announced another strategic data partnership today with StockTwits, a leading provider of market data and information. StockTwits will provide the Sandbox’s FinTech startups with access to the largest real-time social network for investors and traders to contribute ideas on trading, sentiment, and breaking news, in real time.

(PRWeb July 31, 2015)

Read the full story at http://www.prweb.com/releases/2015/07/prweb12876734.htm


          FinTech Sandbox Adds StockTwits To Fast Growing Portfolio of Data Providers        

FinTech Sandbox announced a strategic data partnership today with StockTwits, a leading provider of market data and information. StockTwits will provide the Sandbox’s FinTech startups with access to the largest real-time social network for investors and traders to contribute ideas on trading, sentiment, and breaking news, in real-time.

(PRWeb July 27, 2015)

Read the full story at http://www.prweb.com/releases/2015/07/prweb12867024.htm


          FinTech Sandbox Partners with TradeBlock to Promote Digital Currency Innovation        

Newest data partner provides participating startups with free access to digital currency & block chain data

(PRWeb July 13, 2015)

Read the full story at http://www.prweb.com/releases/2015/07/prweb12825606.htm


          FinTech Sandbox Accelerates Pace, Admitting Eleven More Innovative Startups to the Program        

Selected companies gain free access to data, infrastructure, and mentoring from FinTech leaders

(PRWeb June 15, 2015)

Read the full story at http://www.prweb.com/releases/2015/06/prweb12785500.htm


          FinTech Sandbox Makes AlphaPack Sixth Startup in the Program        

Helping people make better investments is AlphaPack’s objective. Free data and cloud hosting services from FinTech Sandbox partners will help them get there faster.

(PRWeb May 19, 2015)

Read the full story at http://www.prweb.com/releases/2015/05/prweb12726907.htm


          Volos Portfolio Solutions Joins FinTech Sandbox        

Volos will gain free access to implied volatility data from options exchanges, fundamental data, and cloud hosting.

(PRWeb May 04, 2015)

Read the full story at http://www.prweb.com/releases/2015/05/prweb12693426.htm


          Prophis Technology is First European Startup Accepted by FinTech Sandbox        

London-based Prophis to have six months free access to data and infrastructure for use in product development.

(PRWeb March 31, 2015)

Read the full story at http://www.prweb.com/releases/2015/03/prweb12615099.htm


          Non-Profit FinTech Sandbox to Launch at Event in Boston’s Innovation District        

Jeff Maggioncalda, Founder of Financial Engines, to deliver keynote

(PRWeb March 13, 2015)

Read the full story at http://www.prweb.com/releases/2015/03/prweb12577747.htm


          FinTech Sandbox Eases Access to Financial Data for Elsen        

Non-profit Sandbox facilitates free access to financial data and infrastructure for innovative FinTech startups around the world.

(PRWeb March 02, 2015)

Read the full story at http://www.prweb.com/releases/2015/02/prweb12547540.htm


          0328多空訊息        
    利多訊息   1 元大證券:元大萬事ok,元大萬事通!   2 元大創富通:智慧理財 精彩創富!   3 美光800億聯貸 利率加碼   4 14檔股利、殖利率雙5 å¼·å‹¢   5 16家法說 本周接力登場   6 3C通路商 全國電配息最大方   7 IC設計高殖利率股 松翰6%、創惟7%   8 IC通路高殖利率股 利機6%、至上7%   9 久元、儒鴻 量能歸隊   10 中探針 去年營收、獲利雙超標   11 去年EPS前15å¼· 電子股天下   12 去年獲利三增股 漲相佳   13 弘煜、藥華上櫃案 通過   14 低檔有撐 台灣50選擇權 可賣出賣權   15 拓凱今年營收拚73億 年增10%   16 旺季到 力麗宜進聯發Q2看俏   17 法人買超股 續吸睛   18 信驊擬配現金股利8元   19 英業達智能助威 聯鈞外資撐盤   20 推嵌入式USB 3.0擴充卡大啖物聯網及工業4.0商機 法人:宜鼎 今年賺1股本沒問題 21 陸鋼品遭美雙反 台廠受惠轉單效應   22 華義、擎泰、志嘉等5檔 列注意股票   23 閎暉轉盈 配息卻腰斬   24 萬海:亞洲運價可望逐季好轉   25 操盤心法-留意財報業績、股利政策佳個股   26 F-六暉 土洋對作走堅   27 F-永冠 下季接單滿載   28 F-再生 短多蓄勢再衝   29 大立光 配息可望續增   30 元大金 看好整併效益   31 去年 億光EPS、配息 居類股之冠   32 央行送利多 營建族群喊衝   33 宏佳騰 獲利激勵創高   34 信錦 高殖利率吸睛   35 律勝配息0.22元 減資1.5元   36 凌通 本月營收看俏   37 高僑 前2月每股稅後盈餘0.12元   38 啟碁 題材面受矚目   39 晶技 法人看好轉機   40 華碩 搭VR商機熱潮   41 雄獅去年EPS6.43元 配息4.6元   42 集中、櫃買市場 拚月線連2紅   43 群聯 獲利逐年走升   44 臺企銀 外資進場卡位   45 廣隆 產品喊漲助攻   46 興富發 央行利多拉漲   47 環球晶 買盤逢低介入   48 鴻海 外資奮力加碼   49 《業績-其他》F-中租2月獲利年增2%,EPS 0.45元   50 F-jpp配息3.11元 新高   51 F-聯德 今年獲利看增3成   52 中光電 現金殖利率逾10%   53 去年每股賺0.55元 緯創擬配股利1.5元   54 光寶科去年Q4獲利 8季新猷   55 自行車雙雄 去年賺逾一股本   56 股市短波-台硝 去年Q4獲利賺贏前3å­£   57 股市短波-櫻花 去年營收創歷史新高   58 捷迅去年EPS 4.08 ç‰©æµæ‰¿æ”¬æ¥­ç¬¬ä¸€   59 華航股息近0.46元 10年新高   60 聚陽 去年獲利股利雙創新高   61 熱門股-宏碁 配息加持跳空大漲   62 熱門股-長虹 房市利多強鎖漲停   63 熱門股-華義 私募題材股價報喜   64 熱門股-總太 高殖利率買盤搶進   65 瀚荃 3大利基添動能   66 馬雲創辦 湖畔大學新生都是A咖   67 海峽金融高峰論壇 熱議「一帶一路」   68 政府扶持力度加大新能源汽車 飛馳各大城市   69 澳洲衝刺Fintech æŽ¨ç§Ÿç¨…獎勵   70 壽險買海外高風險債 擬鬆綁   71 南京設廠 張忠謀赴陸簽約   72 類股一周/美 NBI指數上揚1.5%   73 類股一周/台 生技指數漲0.15點   74 達欣打天下 海外搶訂單   75 產業轉型/老牌子新氣象 大同力拚虧轉盈   76 基米癌症基因檢測 邁大步   77 籌碼強勢股 櫃買亮點   78 鴻海獲利嗆 EPS 9.5元起跳   79 鴻海30日董事會 可能首度停牌   80 臉書VR出貨 宏達電備戰   81 資金行情...還有得燒   82 宣德配息0.5元 十年首見   83 矽創衝業績 三路並進   84 百略出貨旺 Q1業績不淡   85 旭品股息0.14元 營運升溫   86 先豐股息 擬發2.5685元   87 台苯之爭 決戰周五股東會   88 台股 面臨8,700保衛戰   89 iPhone SE預購 強攻中階機   90 期貨商論壇/台指期 外資偏多布局   91 期貨商論壇/FB上証選擇權 做多   92 晨星全球股債市展望 2016å¹´03月   93 法人:上證短震 陸股基金蓄勁跳高   94 拉美基金 巴西帶頭向前衝   95 汽車零件族認購 熱   96 台灣50 ETF期 避險   97 3高概念股 當紅炸子雞   98 3年期個人保單 產險大打平價牌         利空訊息   1 捷克可能實施負利率   2 安倍經濟學落漆 日擬鬆綁金融創投   3 日救經濟 擬發消費券   4 人民幣TRF本金 2年大減6成   5 憂美4月升息 人民幣有壓   6 全球股震 提防獲利賣壓   7 外資銀彈庫存低 下周難上攻   8 金融利差縮小 外資擔心回檔修正   9 《食品股》油品案獲判有罪,味全:將上訴並向頂新提告求償   10 《業績-半導體》綠能上季本業轉盈,去年每股虧損3.71元   11 中鋼去年EPS 0.49元 3年新低 擬配息0.5元   12 矽品供應鏈 恐大洗牌   13 王品去年EPS ä¼°æ­·ä¾†æœ€ä½Ž
          Fintech startups RealX and REGKO closed it's maiden Real Estate transaction        

          Union Bank & Trust’s Catalyst Initiative goes to work for small businesses        

Startups often find it challenging to convince traditional lenders to invest in their companies. Through an initiative called Catalyst, Union Bank & Trust in Lincoln is working to change that. “As FinTech continues to blow up, how do we use some of the new thought processes for underwriting?” said Tullen Mabbutt, Catalyst Business Banking Advocate....

Read More

The post Union Bank & Trust’s Catalyst Initiative goes to work for small businesses appeared first on Silicon Prairie News.


          iMPART Recruitment Ltd: Finance Manager        
£45000 - £55000 + pension + benefits: iMPART Recruitment Ltd: A Finance Manager is sought by a rapidly growing, award-winning FinTech company who are transforming their sector. They are a B2C business who operate within... Haywards Heath
          THE DIGITAL-ONLY CHALLENGER BANKS EXPLAINER: The new breed of bank threatening to beat retail banks at their own game        

Consumer Demand for Digital ChannelsBII

This is a preview of a research report from BI Intelligence, Business Insider's premium research service. To learn more about BI Intelligence, click here.

Weighed down by a sluggish global economy, turbulent capital markets, and heavier regulation after the 2008 financial crisis, many big banks have scrimped on innovation.

In doing so, they've failed to keep up with customers' embrace of and demand for all things digital and mobile. That's opened the door to a new breed of banks dedicated to delivering an optimal digital customer experience: digital-only "challenger banks," or "neobanks."

These players' agile, modular, wholly digital systems let them adapt quickly to changing consumer demands and expectations, threatening incumbents. However, the big banks still have the edge in consumer trust. This gives legacy firms a window of opportunity to launch digital subsidiaries of their own to fend off the upstarts.

In a new report from BI Intelligence, Business Insider's premium research service, we look at the features that make neobanks a distinct new competitor, the range of models they're adopting, and the regions in which neobanks are particularly flourishing. We also discuss the challenges neobanks still face, and the opportunity these obstacles present for incumbents to get ahead in the transition to digital banking.

Here are some of the key takeaways:

  • Digital-only challenger banks, also called neobanks, focus on digital delivery channels, either online or mobile. They are dedicated to improving on incumbent retail banks’ weakest point — customer experience.
  • Now that customers have more options focused on a better user experience, incumbents are being forced to raise their game. Challenger banks are finding ways to deliver cutting-edge banking services to consumers, meaning incumbents no longer set the terms.
  • Neobanks' biggest challenge — winning consumer trust and users — is also incumbents’ best chance to fight back. They can use their brand recognition and trust to promote their own digital subsidiaries.
  • Challenger banks' emergence is about banking moving over to digital. The only question is who will win in the race to transition to this new landscape: independent players or incumbents’ digital subsidiaries.

In full, the report:

  • Looks at the different business models neobanks are adopting to compete with incumbents.
  • Gives an overview of the neobank scene in different geographies.
  • Explains the biggest obstacles neobanks still face, and how they can navigate them.
  • Examines the opportunity big banks have to win the race to digital.
  • Discusses what the banking scene of the future will look like, and who might come out on top.

Interested in getting the full report? Here are two ways to access it:

  1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now
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          InvestCloud to launch London FinTech incubator        
Deputy Mayor of London for Business, Rajesh Agrawal, praises commitment to share technological expertise
          The latest The Ramesh Babu Daily! https://t.co/xsibY11vUX Thanks to @seanboon @John4man @Adia_PR #ai #fintech        

The latest The Ramesh Babu Daily! https://t.co/xsibY11vUX Thanks to @seanboon @John4man @Adia_PR #ai #fintech

The post The latest The Ramesh Babu Daily! https://t.co/xsibY11vUX Thanks to @seanboon @John4man @Adia_PR #ai #fintech appeared first on AllformZ BI Blog.


          This one is for all the #wantrapreneurs from #Oxford University #fintech #startup https://t.co/1YBrghJttm        

This one is for all the #wantrapreneurs from #Oxford University #fintech #startup https://t.co/1YBrghJttm

The post This one is for all the #wantrapreneurs from #Oxford University #fintech #startup https://t.co/1YBrghJttm appeared first on AllformZ BI Blog.


          Sina's Belated Fintech Move        
The parent of China's Twitter is playing catch-up with Alibaba and Tencent.
          Mercer Capital's Bank Watch | June 2017 | Creating Value at Your Community Bank Through Developing a FinTech Framework        

Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
          Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?        

Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
          Mercer Capital's Value Focus: FinTech Industry | Second Half 2016        

Mercer Capital’s newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
          BlockChain Developer - Upwork        
We are working on Blockchain technology and want to add a highly motivated Engineer to our team in Kuala Lumpur or Singapore office. Work on emerging technologies, building POC’s leveraging internal infrastructure and data, partnering with Product on implementation strategy. Work with technology teams to understand the business demand and ensure design and build of solutions creates or leverages cross-asset concepts and frameworks.

We're seeking a strong developer experienced with Ethereum and blockchain architecture to be a part of team tasked with building distributed application. Our ideal candidate has built and released distributed applications, has worked with the Ripple, R3, Ethereum and/or Bitcoin blockchain, and has experience with Solidity,

Responsibilities

Lead several unique Blockchain initiatives
Direct client and business exposure
Write code
Work on blockchain POCs
Monitor blockchain technologies.
Maintain firm’s relationship with the Hyperledger initiative.
Study latest Ethereum release and protocol update.
Write and maintain Ethereum smart contracts
Write end to end tests and block/unit tests for all Solidity codebases
Integrate smart contracts with our nodejs backend
Work with Internationally acclaimed 3rd party solidity auditing services
Be on top the latest developments in Ethereum, Solidity, RSK and more


Qualifications

Experience in Trade Finance, Equities, Payments Processing, Wholesale Credit
BlockChain technical expertise that is hands-on, platforms
Cloud architecture and scalable solutions including orchestration & containers
Must have a BS in Computer Science
Must have 2+ years of experience with distributed software development.
Must have hands on experience with all aspects of software development: data, server side, UI, and open source software.
Must have experience with Linux, Open source, C++ or Java, client server apps
Demonstrated passion for Fintech innovation, open source (OSS) software contributions, blockchain, cryptography, and data-science
Passion for Test driven development and continuous learning
Enjoyment of the wild startup rodeo. Yee haw!
No Fear of the edge of startup engineering
Total Industry experience myst be 8+ years
Deep understanding of the Blockchain in general and Ethereum (structure, EVM etc.)
Experience in writing smart contracts in Solidity
Experience with web3 and interfacing with Ethereum nodes (Parity, Geth, etc.)

Budget: $8,000
Posted On: August 10, 2017 21:14 UTC
Category: IT & Networking > Other - IT & Networking
Skills: Bitcoin, Blockchain, Ethereum, Internet Research, Node.js, PHP
Country: Malaysia
click to apply
          Looking for Freelance Writers & Reviewers with interest in Fintech, Blockchain & Cryptocurrencies - Upwork        
We are looking for experience and passionate fintech, blockchain and cryptocurrency freelance writers and reviewers who can deliver well-researched, original articles and blogpost for our website.

How to format your work:
• Articles must be unique, on current subjects and have 750 to 1000 words. You have to write the article on Google Doc before sending it us.
• Single-spaced.
• Include reference links to reputable sources for all facts and data cited. (We’ll include these as embedded links in the text.)
• Keep self-promotion to a minimum in your post. Do include a link to your website and a 75-word “About the Author” bio at the end of your post. Feel free to include a photo.
• Please send us images or video! If you don’t have any but have an idea what might illustrate your piece, let us know and we can buy or create some. Please note: images need to be photos you own the copyright to and/or that are copyright free.
• Your article must be original and not duplicated content elsewhere. We will check to see if your work is published elsewhere.

Payment:
We pay for original, published content on our website. We pay from $10 for simple articles to $50 for high-quality exclusive content.

Terms:
By submitting your work to us, you understand and agree to the following:
• The content is original work. Its use by us does not infringe on the intellectual property of any other party.
• Please let us know if your content has previously been published. We shall pay for original pieces, not reposts. However, we may choose to syndicate or pay to promote it. If your story has been published previously, you warrant that we have rights to reuse the content. (If a link is provided, we will link back to the original post.)
• Payments are based on a flat-fee.
• We have the perpetual right to publish and use the content on any of our current or future media platforms, including for commercial purposes, unless arrangements are made in advance.

Budget: $10
Posted On: August 10, 2017 21:14 UTC
Category: Writing > Article & Blog Writing
Skills: Bitcoin, Blockchain, Blog Writing, Editorial Writing, Financial Analysis, Financial Forecasting, Financial Reporting, Online Writing, Research, Reviews, SEO Writing
Country: Nigeria
click to apply
          Remezones de la fusión        

A dos semanas de la mayor fusión que se produjo en las telecomunicaciones argentinas, no sorprende que se siga hablando sobre el tema, especialmente cuando todavía queda camino por recorrer hasta que la operación se concrete.

Por un lado, Fintech


          Alt Convention in Georgia; Bitcoin, FinTech, and Government        

If you are interested in emerging financial technologies, then Alt Convention will be something that...

The post Alt Convention in Georgia; Bitcoin, FinTech, and Government appeared first on Bitcoinist.com.


          Dolphin Enterprise Solutions Corporation Joins Hanse Orga Group to Deliver Greater Customer Value in the Financial Supply Chain        

Hanse Orga Group continues the execution of the Group's strategy to build the leading global fintech company serving the full financial automation value chain.

(PRWeb May 11, 2017)

Read the full story at http://www.prweb.com/releases/2017/05/prweb14325174.htm


           ICT SPRING - the big, annual ICT fair will be returning to Kirchberg on 9th and 10th May         

ICT Spring, the big annual Information Communication and Technology conference is back in Luxembourg for its 5th edition this 9th and 10th May at the European Convention Centre in Kirchberg.  Focus on FinTech, Digital , Space and Industry The programme of the ICT Spring 2017 conference will focus on “ the imminent disruptions” in the FinTech, digital and aero spatial sectors. A group of...
          Big Data & Analytics Innovation Summit        
Start Date: Wed, 22 Nov 2017
End Date: Thu, 23 Nov 2017
City: #
Description:

The Big Data & Analytics Innovation Summit is one of the largest gatherings of senior business executives leading Big Data initiatives in Asia Pacific. This is the 5th year we are back in Beijing!

Simultaneous translation (Chinese/English) is available at this summit. æœ¬æ¬¡ä¼šè®®æä¾›ä¸­è‹±åŒå£°ä¼ è¯‘服务

Topics including but not limited to:

  • Data Science - Machine Learning, Artificial Intelligence 
  • Data Governance - Business Intelligence, Data Security
  • Predictive Modelling - Marketing, Consumer Intelligence 
  • Data Strategy - Data Culture, Data Products
  • Big Data challenges in 2018
  • Data Technologies 
  • FinTech


          Is RegTech the new FinTech?        
How agile regulatory technology is helping firms better understand and manage their risks. Regulation is one of a number of services to receive the ‘Tech’ treatment in recent times.  As with its bigger brother FinTech, the definition of RegTech will mean different things to different people in this developing area.  While the name is new,
          Payment Startups Lead Way In Africa's Booming FinTech Scene        
Payments and remittances startups account for the majority of Africa’s over 300 fintech startups, though blockchain companies are the more likely to secure funding.
          Kenyan Restaurant Discovery Site EatOut Raises $500,000 From Craft Silicon        
Nairobi-based FinTech innovator, Craft Silicon, has invested $500,000 in EatOut, a Kenyan food tech & media company.
          Comment on Fintech Continues to Transform Auto Finance, but Will it Take Over? by News story in “Auto Finance News” – Payix        
[…] Fintech Continues to Transform Auto Finance, but Will It Take Over? […]
          Comment on Fintech Continues to Transform Auto Finance, but Will it Take Over? by FinTech Is Transforming The Auto Finance Industry        
[…] FinTech continues to transform the industry by providing financing solutions that are more efficient than traditional companies. Technology has advanced to the point where traditional auto finance companies must partner with new FinTech companies, however, things haven’t changed completely from competition to collaboration. The question remains if FinTech will take over completely or not. Source […]
          Fintech Akseleran Menawarkan Pendanaan Alternatif untuk Usaha Kecil Menengah        
Teknologi.info – Sejak resmi beroperasi dari akhir bulan Maret 2017 yang lalu, Akseleran telah merilis beberapa kampanye menggalang pendanaan bagi beberapa Usaha Kecil Menengah (UKM) di Indonesia. Akseleran merupakan perusahaan fintech (layanan keuangan berbasis teknologi) yang melalui equity crowdfunding ingin membantu mewujudkan keuangan yang inklusif terutama bagi UKM dan startup di Indonesia. Akseleran juga telah […]
          Financial Wellness 2020: The Future of Fintech, Wellness, and Employer Intervention        

Prior to 2008, the term “financial wellness” wasn’t even on the radar. Since then, it has been steadily climbing in popularity as studies show that health and financial wellness are very closely linked. Today, there…

The post Financial Wellness 2020: The Future of Fintech, Wellness, and Employer Intervention appeared first on HR Post.


          I’m joining RevolutionCredit as Chief Scientist        
A note on my new job. I’m joining the FinTech startup RevolutionCredit as Chief Scientist. In this role, I’ll work on developing the next generation of credit scoring methodologies in the financial technology and behavioral science field. Applying behavioral science to both (i) identify “upwardly mobile” people: those with characteristics of her significantly higher creditworthiness than their credit […]
          Why the Ripple Price Has Climbed 533% in 3 Months        

Over the last three months, Ripple prices have skyrocketed.

Even though Bitcoin and Ethereum get the most attention in the cryptocurrency world, Ripple prices have climbed over 533% in the last three months.

Here's why this digital currency is starting to take off...

Tags:

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The post Why the Ripple Price Has Climbed 533% in 3 Months appeared first on Money Morning - We Make Investing Profitable.


          Fintech startup Cleo secures £2 million in new round of funding        

Financial management app Cleo has raised £2 million led by Local Globe’s Robin Klein with participation from Atomico CEO Niklas Zennström and Albion founder Jason Goodman. Launched in January, Cleo uses AI to monitor your bank accounts and manage your money. According to the company, it’s currently managing £400 million in assets where it handles […]

The post Fintech startup Cleo secures £2 million in new round of funding appeared first on Tech.eu.


          London fintech startup Aire secures $5 million in Series A funding        

UK fintech startup Aire has raised $5 million in a Series A round led by Sunstone Capital with participation from White Star Capital. The startup also announced partnerships with online lender Zopa and Toyota Financial Services. The new funding will fuel the startup’s expansion outside of the UK. Aire develops AI-based solutions for carrying out […]

The post London fintech startup Aire secures $5 million in Series A funding appeared first on Tech.eu.


          UK accounting startup Receipt Bank receives $50 million from Insight Venture Partners        

UK-based fintech startup Receipt Bank, which creates accounting technology, has raised $50 million in a Series B financing round from the New York-based Insight Venture Partners.

The post UK accounting startup Receipt Bank receives $50 million from Insight Venture Partners appeared first on Tech.eu.


          Russia’s Finstar to invest $150 million in fintech startups over five years        

Russian private equity firm Finstar has announced plans to invest $150 million in fintech startups over the next five years. Finstar will invest between $500,000 and $30 million in three to six deals a year in seed and Series A rounds, said Oleg Boyko, chairman of Finstar (pictured). The firm isn’t new to fintech investments, […]

The post Russia’s Finstar to invest $150 million in fintech startups over five years appeared first on Tech.eu.


          Cyprus fintech startup Capital.com raises $25 million        

Cyprian fintech startup Capital.com has raised $25 million from Larnabel Enterprises and VP Capital and launched its mobile trading app. The Capital.com app allows investors to trade financial products and receive updates from its patent-pending Smart Feed with news, analysis, and research based on user behaviour. The app, the company claims, uses AI to detect […]

The post Cyprus fintech startup Capital.com raises $25 million appeared first on Tech.eu.


          Fintech startup builder FinLeap raises €39 million, opens new headquarters        

FinLeap, the fintech venture hub, has raised €39 million led by financial services firm Signal Iduna, Japan’s SBI Group, NIBC Bank, and existing investor Hannover Re. The Berlin-based startup builder recently relocated to a new headquarters in the city. The location is also the home of de:hub, a government initiative to foster fintech companies and […]

The post Fintech startup builder FinLeap raises €39 million, opens new headquarters appeared first on Tech.eu.


          London fintech startup Curve raises $10 million in Series A funding        

Curve, a London-based fintech startup, raised $10 million in a Series A financing round. The investors included Santander InnoVentures, Investec, Connect Ventures, Speedinvest, Oxford Capital, Breega Capital, Samos Investments, as well as several business angels.

The post London fintech startup Curve raises $10 million in Series A funding appeared first on Tech.eu.


          UK fintech firm Revolut raises $66 million in Series B financing round        

Revolut, a fintech firm based in London, raised $66 million in a Series B funding round led by Index Ventures with the participation of Balderton Capital and Ribbit Capital.

The post UK fintech firm Revolut raises $66 million in Series B financing round appeared first on Tech.eu.


          French fintech startup Shine completes a €2.8 million financing round        

Shine, a company that provides an administrative and financial management platform for freelance workers, raised €2.8 million from Daphni, Kima Ventures, and several business angels in a recent financing round.

The post French fintech startup Shine completes a €2.8 million financing round appeared first on Tech.eu.


          Have you met iBAN?        
iBAN is a startup Fintech where we offer fair, considered loans and invest your money in entrepreneurial and economically sustainable projects. We are challenging traditional business models through providing highly competitive products and guaranteed investments, whose generated funds allow us to give out loans and financing for companies and individuals with great interest rates. Visit our web page for more information: http://ibanonline.com/products
          What do prominent P2P players think of the Reserve Bank of India regulations?        

The biggest challenge has been to create awareness about this new Fintech opportunity amongst the borrowers and lenders Editor’s note: e27 publishes relevant guest contributions from the community. Share your honest opinions and expert knowledge by submitting your content here. Following the US and UK models, RBI is all set to jump on the bandwagon of regulating the P2P […]

The post What do prominent P2P players think of the Reserve Bank of India regulations? appeared first on e27.


          Project Manager - Payment Solutions        
The RoleWe are currently looking for an experienced Project Manager on behalf of a leading FinTech organisation with their Middle East operations headquartered from their Dubai office The successful candidate will be responsible for running complex projectsprogrammes from design through to production You will work as a cohesive part of the PMO a
          Pre-seed advisory board agenda template        
I recently took on the role of Entrepreneur in Residence at the Kiwibank Fintech Accelerator, powered by Lightning Lab.  Consider me the “Mentor-in-Chief” – as well as advising the ventures and helping them make great connections and destroy roadblocks, my main job is curating the relationships between the ventures and their mentors, and later in...
          Need a boost? Check out German accelerators        
There is no shortage of early-stage startup accelerators in Germany. From mobility to FinTech, this list of 42 accelerators provides a good overview of their expertise, costs and the expected time commitment. Roughly 50 per cent of the accelerators are located in Berlin. Featured below are four well-known accelerators. Axel Springer Plug & Play The Berlin-located […]
          Whitepaper: The Talent Challenge for FinTechs        

Leathwaite was a key sponsor of the 2017 Innovate Finance Global Summit. Innovate Finance is the independent membership association that represents the UK’s global FinTech industry, acting as a key driver of best practice for the sector.

The post Whitepaper: The Talent Challenge for FinTechs appeared first on Leathwaite .


          Leathwaite attends the 2016 Telegraph Future of FinTech event        

Driving UK FinTech forward Post-Brexit - Tuesday 29th November 2016 - Savoy Place, London - event summary and review

The post Leathwaite attends the 2016 Telegraph Future of FinTech event appeared first on Leathwaite .


          .NET Developer - Blake & Partners SPRL - Brussels        
I am looking for an experienced and dynamic .NET/C# developer to join a major Fintech Company in Brussels C# .NET Developer -, Work with a team of experts in an International Company! This company works with a software where the information is used across a wide range of business challenges such as: data management, Transfer Pricing and Sales and Marketing. The company is active around the world and well known. They work with the latest technologies and use the Agile/Scrum...
          The Essentials of FinTech Kit - 2017 Edition        
The Essentials of FinTech Kit – 2017 Edition brings together the latest in information, coverage of important developments, and expert commentary to help with your FinTech related decisions.

The following kit contents will help you get the most out of your FinTech research:
  • The Big Security Threats Your Organization Needs to Take Seriously Now
  • In-The-Wild Digital Testing
  • How to Become a Data Governance Expert
  • Windows 10: 4 Ways to Ensure Smooth Windows 10 Migration


Request Free!

          Abu Dhabi finance regulator pens fintech agreement with Singapore central bank        
The financial services regulator in Abu Dhabi is co-operating with its counterpart in Singapore to promote financial technology developments
          TransferWise's Chilling Brexit Warning        
FinTech entrepreneurs fear being locked out of European Union markets after Brexit
          TunaiKita.Com Menawarkan Pinjaman Tanpa Agunan        
TunaiKita, startup penyelenggara layanan pinjaman berbasis aplikasi mobile yang merupakan perusahaan patungan antara JAS Kapital, Kresna Investments, dan WeCash asal Beijing, telah meresmikan peluncuran produk mereka tanggal 26 Juli 2017 kemarin. Dengan struktur operasionalnya yang berdiri sendiri, startup hasil joint venture antara dua perusahaan lokal dengan startup asal Tiongkok tersebut memosisikan dirinya sebagai layanan fintech dengan pengembangan produk yang mengutamakan perangkat mobile di Indonesia. “Kami melihat perilaku masyarakat saat ini semakin tidak bisa dilepaskan dari kebutuhan ponsel. Oleh […]
          FinTech Trends        
We pride ourselves on being a solutions-oriented family office software company so it is not surprising that our newsletters address such varied topics as private data centers, efficiency tools for the family office, and disaster recovery procedures. Today, however, let’s step back from operational issues and take a broad look at some “big picture” trends […]

          Long-term Technology Trends: Economic Transformation 2.0        
Countdown to FINNOSUMMIT, the top Fintech event in Latin America, which will take place on September 19 and 20 in Mexico City. A unique day will highlight the networking, presentations of the most promising Fintech startups in the region and, above all, the experiences of more than 25 Fintech experts and the innovation in financial services of some of the…

          En Búsqueda del Crecimiento Empresarial en América Latina (I/II): Transformando brechas en oportunidades        
Este es un post invitado de Startupbootcamp FinTech, colaborador de esta sección especial. [En Finnovista creemos en las sinergias, y queremos crearlas con todo aquel que se sienta identificado con lo que aquí mostramos. Así que si te interesan los temas Fintech, o si tienes alguna propuesta que hacernos al respecto y te gustaría formar parte…

          Â¿Por qué no te puedes perder Finnovista Pitch Day Madrid el 24 de octubre?        
Para cerrar la temporada 2017 con broche de oro nos reuniremos en Finnovista Pitch Day el próximo 24 de octubre en Campus Madrid. Más de 200 personas están convocadas a este meetup gratuito que pretende reunir a gran parte de los actores clave del sector Fintech de nuestro país para seguir explorando el futuro de la industria financiera…

          El ecosistema Fintech de México crece un 50% en menos de un año y releva a Brasil como Líder Fintech en América Latina        
Las 80 nuevas startups Fintech surgidas en los últimos 10 meses en México, ponen al país a la cabeza de la carrera por la innovación Fintech en América Latina, impulsado por el fuerte crecimiento de los segmentos de Seguros, Préstamos, Finanzas Empresariales y Personales, y Educación Financiera & Ahorro. En los últimos años América Latina…

          La financiación alternativa P2P y su favorable impacto en Latinoamérica        
Este es un post invitado de Alejandro Cosentino (CEO y Fundador de Afluenta), colaborador de esta sección especial. [En Finnovista creemos en las sinergias, y queremos crearlas con todo aquel que se sienta identificado con lo que aquí mostramos. Así que si te interesan los temas Fintech, o si tienes alguna propuesta que hacernos al respecto…

          Blockchain Startup Populous Opens Its Doors With New Funding        
After introducing itself to the market earlier this year, U.K. FinTech startup Populous has officially launched. News reports on Wednesday (Aug. 9) said Populous has raised more than $10 million and is now piloting its platform, which uses blockchain technology for invoice financing. “We’ve been getting a lot of interest from other invoice factoring firms […]
          New FinTech Companies Aim To Help Student Loan Borrowers        
New financial technology start ups are looking to help student loan borrowers through improved financial literacy, ways to pay down student loan debt, and more options for student loan refinancing.
          Country manager v FinTech podjetju za področje Slovenije / Country Manager for FinTech Company        
Vaše delo bo obsegalo: vodenje poslov in partnerstev, ki so potrebna za izgradnjo in upravljanje osnovnega poslovanja, upravljanje in nadaljnji razvoj odnosov z vodji in inovatorji v FinTechu, izvajanje in nadzor plačil, bančno poslovanje in obdelava podatkov.
          Initial coin offerings – something new under the regulatory sun?         
FinTech Regulation - In our financial services updates at the beginning of the year (see here), we outlined a few regulatory pointers for FinTech coming out of a speech by the Chair of the Financial Stability Board (FSB). The upshot of that speech...
By: DLA Piper
          The Essentials of FinTech Kit - 2017 Edition        
The Essentials of FinTech Kit – 2017 Edition brings together the latest in information, coverage of important developments, and expert commentary to help with your FinTech related decisions.

The following kit contents will help you get the most out of your FinTech research:
  • The Big Security Threats Your Organization Needs to Take Seriously Now
  • In-The-Wild Digital Testing
  • How to Become a Data Governance Expert
  • Windows 10: 4 Ways to Ensure Smooth Windows 10 Migration


Request Free!

          DB-Experte / Entwickler / Administrator (m/w)        
DB-Experte / Entwickler / Administrator (m/w) Jung, DMS & Cie. Pool GmbH Wiesbaden Für den weiteren Ausbau unserer Aktivitäten suchen wir Sie ab sofort;... die -gruppe ist ein leistungsstarkes und marktführendes dienstleistungsunternehmen in der finanzbranche und als makler für mehr als 17000 unabhängige finanzberater tätig mit unseren innovativen fintech-applikationen gestalten wir die zukunft
          These Four Fintech Companies Are Changing Personal Finance Right Now        

These Four Fintech Companies Are Changing Personal Finance Right Now Remember what the internet did for travel? It opened it up to more people and made it easier. Instead of needing to hire a travel agent to plan a trip, we can do it ourselves for free. That’s what financial technology, or fintech, is doing for a lot of areas

The post These Four Fintech Companies Are Changing Personal Finance Right Now appeared first on My Words and Stuff.


          CR225: Digitales Geld & Smart Contracts        
Wieviel Bit ist eigentlich ein Euro? Unser Geld wird zunehmend digital. Einerseits durch Schaffung von sogenannten digitalen Währungen oder “Smart Contracts” wie das (schon fast veraltete) Bitcoin oder Ethereum. Andererseits gibt es durch sogenannte “Fintech-Startups” das altehrwürdige Girokonto zu modernisieren … Weiterlesen
          LendingPoint Recognized for “Best Consumer Lending Product” with FinTech Breakthrough Award        

Honor showcases the company’s work in revolutionizing access to credit and improving finances for millions

(PRWeb April 26, 2017)

Read the full story at http://www.prweb.com/releases/2017/04/prweb14279236.htm


          financial technology investment start ups and funding trends        

the state of the financial investment ( fintech sector) the 50 best companies that changed the way technology is used across the financial sector; A snapshot and report from Silicon valley bank
          Vietnam’s financial inclusion priorities: Expanding financial services and moving to a ‘non-cash’ economy         



 Also available in: Tiếng Việt

It’s nighttime and the streets are bustling in Vietnam’s cities and towns. Buoyed by years of strong growth, the country has a burgeoning middle class with purchasing power to sustain restaurants and cafes, full and open late into the night, busy retailers and a high penetration of mobile phones – more than one per person. The economy, however, continues to run on cash and a majority of adults still don’t have formal financial services such as a basic transaction account. Moving to a “non-cash” system is a priority for the government to increase efficiency, promote business and economic development and reduce poverty including in remote rural areas where traditional financial providers have difficulty reaching.

Since 2016 the State Bank of Vietnam, the country’s central bank, has been partnering with the World Bank Group on a comprehensive approach to financial inclusion which will result in a national financial inclusion strategy. While still in development, several key elements of the strategy are clear: a focus on digital finance including shifts in government payments to digital products and platforms; providing financial services to rural and agricultural communities and ethnic minorities, where growth has lagged and poverty rates are above the national average; and strengthening consumer protection and financial education so that the next generation of consumers are prepared for a modern financial marketplace.

Last week I was in Vietnam with Her Majesty Queen Maxima of the Netherlands, the United Nations Secretary General’s Special Advocate for Financial Inclusion, to support the country’s development of a national strategy including taking steps to establish a national coordination structure (inter-ministerial) to develop and execute the strategy.

Designing and developing an effective national financial inclusion strategy is key for a country to be able to successfully implement envisioned reforms, as it essentially provides a roadmap for the authorities to follow to achieve their financial inclusion objectives. Data from the Global Findex database underline the importance of this task – as of 2014 only about one-third of adults indicated they had a transaction account with a formal financial provider, far below the regional average of 69%.

Because of its sizeable population and relatively low financial inclusion rates, [[tweetable]]Vietnam is among the 25 priority countries where we are focusing our financial inclusion efforts[[/tweetable]] through the Universal Financial Access (UFA) by 2020 initiative which seeks to bring 2 billion unbanked into formal financial systems. Ensuring adults have access to a transaction account is a first step toward comprehensive financial inclusion, where people can make use of appropriate financial services, including savings, payments, credit and insurance.  

According to our projections, many Vietnamese who are excluded from the formal financial sector do in fact have active financial lives. For example, 39% of adults save outside the formal sector, “under the mattress” or using informal means including savings clubs; 65% send or receive remittances outside the formal system or pay school fees or utility bills in cash. Some of the most important barriers to accessing and using formal financial services include:

  • Financial services are too far to access – 6.2 million adults
  • Financial services are too expensive to use – 2.2 million adults
  • Documentation requirements are prohibitive to open an account – 2.3 million adults
  • Lack of trust in the financial sector – 1.1 million adults
Removing these barriers, through appropriate policies and legal and regulatory reforms, can help move consumers from the informal to formal financial sector with great effect – according to our estimates an improved policy environment could mean reaching an estimated 48 million adults with transaction accounts. On top of this, government-to-person (G2P) cash transfers can be digitized to reach an additional 3.7 million currently unbanked adults.

Also, research shows that [[tweetable]]countries that have invested in devising and implementing a national financial inclusion strategy (NFIS) have been more successful [[/tweetable]]and effective in reaching set targets. On average, there is a 17% increase in the percentage of adults with an account at a formal financial institution for countries that launched an NFIS after 2007, whereas the increase is only 9% for those countries that have not launched an NFIS. Based on this analysis, our estimates show that Vietnam can possibly reach to an estimated 11.6 million adults by designing and implementing a national financial inclusion strategy.

The State Bank of Vietnam is the lead implementing agency for financial inclusion and development of the national strategy. However, many other ministries and the private sector will have important roles to play and this week meetings with the UNSGSA have included several of these such as:
  • The Ministry of Finance (MOF) to facilitate the transformation of overall government payments and reform of the Vietnam Bank for Social Policies (VBSP) towards more market-based principles
  • The Ministry of Information and Communications (MIC) to facilitate the development and regulation of mobile payment solutions
  • The Ministry of Labor, Invalids and Social Affairs (MOLISA) for government to people payments
  • The Ministry of Agriculture and Rural Development (MARD) for extending financial services in rural and agricultural communities
  • The Vietnam Women’s Union (VWU) to leverage their strong network of women’s groups and microloan programs
  • The Ministry of Education and Training (MOET) for financial education in the school curriculum to produce a new generation of more financially savvy and confident consumers
  • Representatives of the private sector, including fintech companies and agribusinesses
Expanding and [[tweetable]]extending formal financial services to reach millions of unbanked and underbanked adults will help Vietnam [[/tweetable]]achieve both poverty reduction and continued dynamic growth, propelling the nation forward toward the vision described in the Vietnam 2035 report of greater prosperity, inclusion and accountability.

We are extremely proud to be partners with Vietnam on this critical agenda.

Photo: Simone D. McCourtie / World Bank
          Three things to know about migrant workers and remittances in Malaysia        


Migrants represent 15% of Malaysia’s workforce, making the country home to the fourth largest number of migrants in the East Asia Pacific region. The migrant population is diverse, made up of workers from Indonesia, Bangladesh, Nepal, Myanmar, Vietnam, China and India, among many other countries.

Migrants have become an integral part of Malaysia’s economy and support their families by sending substantial amounts of remittances to their home countries. In fact, remittance growth by migrants in Malaysia has been dramatic since 2006, with an increase in remittance outflows of more than 500% in the past ten years.



Project Greenback 2.0 Johor Bahru
 
Project Greenback 2.0 Johor Bahru is the product of a partnership between Bank Negara Malaysia (BNM) and the World Bank Group (WBG) to identify migrant workers’ financial behaviors and their prevalent practices and needs in sending money home. Johor Bahru is the first Greenback champion city in Asia after Turin, Italy, and Montreuil, France.
 
The project has been implemented with many partners including the City Council of Johor Bahru, the Malaysian Association of Money Services Business, the Embassy and Consulate General of Indonesia, the Association of Chinese Small and Medium Enterprises (SMEs) and plantation and remittance companies.
 
Since its launch in November 2015, a joint Greenback team from BNM and WBG has been engaging with migrant communities who are employed in Johor Bahru City and in plantations within a 50 kilometer radius of the city. A survey was conducted targeting migrants working in these urban areas and remote plantations.
 
Three things that came up as a result of the survey: 

1. Income, savings and bank account ownership   

Urban migrants earn 46% more than plantation workers and higher education levels are positively correlated with higher incomes. Nevertheless, beyond a secondary school education, migrant wages stabilize since the type of labor performed by migrants typically does not require higher educational levels.
 
The savings rate of plantation workers is 13% higher than that of urban workers, which can mainly be attributed to the lower cost of living in remote plantations.



The level of bank account ownership is low at 22% for plantation workers and 55% for urban workers. Certain workers cannot comply with the basic requirements to open a bank account due to a lack of proper documentation. For plantation workers, payment of wages in cash and the remoteness of their work locations most affect the level of bank account ownership. These make traveling to banks not only hazardous (cash is carried) but also a time-consuming undertaking. A quarter of plantation workers replied they had to travel at least 30 km to get to a bank or other regulated remittance channels. 



2. Remittance behavior  

Purchasing basic necessities to support dependents in the home country is the main reason for remittances which typically are sent on a monthly basis. 
 
Generally, the transaction fee is 20 Ringgit or less. However, apart from this transaction fee, workers are less aware of the other remittance costs components, such as the foreign exchange cost and costs charged to the recipient.


Non-bank remittance service providers are the most popular regulated remittance channel used by two thirds of the respondents whereas banks are only used by one third of the respondents. Basic factors when selecting a remittance channel are the same among all migrants: safety, ease of transaction, speed and reliability. Nonetheless, the first determining factor for choosing a specific (regulated or unregulated) remittance channel is the convenience of location, after price and trust.    

3. Use of information and communication technologies 
 
Among the surveyed migrants, 74% own a smart phone and 90% access the internet through it. These numbers are high and present a tremendous business opportunity for technology driven remittance service providers who invest in educating their consumer base and provide reliable and competitive remittance services.  
 
By issuing the Financial Technology (FinTech) Regulatory Sandbox Framework, BNM acknowledged FinTech as a catalyst for the development of progressive financial services. This framework allows regulatory flexibilities to be granted to financial institutions and FinTech companies to experiment with FinTech solutions in a live controlled environment for a limited period. Through this initiative BNM will ensure that the Malaysian financial services sector keeps up with the paradigm shift in the use of technology in financial services, and therefore continues to remain relevant regionally and globally.
 
Greenback 2.0 is an ongoing project in Malaysia where progress will be measured through yearly reports. Two additional reports are currently being developed – one which will measure the remittance behavior and needs of SMEs, and another focusing on migrant remittance behavior and needs between Johor Bahru and Lombok, Indonesia.
 
Last but not least, a Greenback 2.0 Pick Remit mobile application was developed which aims to create transparency in remittance prices on a global level. The app aims to help migrant workers make the best choice of services when sending money back home.
 
The impact of Greenback 2.0 in Johor Bahru has been substantial. Average remittance fees decreased by 40%, from 3.33% prior to December 2015 (Pre-Greenback 2.0) to 2.02% in December 2016. As a result, Malaysia is one of the cheapest remittance-sending corridors in the world today.
 
Thanks to this type of initiatives, the cost of sending remittances from Malaysia to neighboring countries is expected to decline further. Moreover, a growing number of migrant workers employed in plantations and other remote locations will be able to remit money home through financial institutions thanks to the use of their smartphones. Thus, a larger volume of remittance outflows will be channeled through financial institutions on a secure, efficient, and cost effective manner for both senders and recipients.
          AuthenticID Wins All Payments Expo Shark Tank with Its Groundbreaking CatfishAIR Identity Verification Solution for Financial Services Providers        

Out of 9 FinTech startups, a group of three noted payment industry experts select AuthenticID as the APEX Shark Tank winner for their game-changing CatfishAIR service. It enables financial services providers, and other clients, to verify the identity of new account creators in less than 10 seconds using a photo and eliminate identity fraud.

(PRWeb April 11, 2016)

Read the full story at http://www.prweb.com/releases/FinTech_Startup/Wins_Award/prweb13329025.htm


          FinTech Marketplace Wealth Migrate Announces Luxury Condo Give-a-way        

Real estate marketplace dedicated to helping investors access global real estate offerings to give-a-way iconic Cape Town condo

(PRWeb June 15, 2017)

Read the full story at http://www.prweb.com/releases/2017/06wealthmigratecontest/prweb14426962.htm


          Avalon Solutions Group Launches Payably        

FinTech Company’s mobile app saves small businesses time and money by integrating data with QuickBooks Online in real time.

(PRWeb May 22, 2017)

Read the full story at http://www.prweb.com/releases/2017/05/prweb14355908.htm


          Finovate Conferences Celebrate its 10th Anniversary        

Leading fintech demo only conference looks back over 10 years of client success.

(PRWeb January 20, 2017)

Read the full story at http://www.prweb.com/releases/2017/01/prweb14001235.htm


          FinTech Professionals Association to Host Executive Panel Exploring ‘What’s Next for Payments?’        

Sponsored by Dykema and open to the public, Dec. 1 event includes top execs from World First, Payment Data Systems, Hyperwallet, and Bleu Tech Enterprises.

(PRWeb November 28, 2016)

Read the full story at http://www.prweb.com/releases/2016/11/prweb13875066.htm


          Wealth Migrate Featured on KPMG’s Global 2016 Fintech100 List        

Ranked #41, global investment marketplace Wealth Migrate offers investors direct access to global real estate investments, from as little as $100

(PRWeb October 27, 2016)

Read the full story at http://www.prweb.com/releases/2016/10/prweb13798438.htm


          Wealth Migrate Launches First Global Online Investment Marketplace with Integrated Blockchain        

FinTech marketplace enabling global real estate investment introduces blockchain to offer enhanced security for cross boarder investors

(PRWeb October 18, 2016)

Read the full story at http://www.prweb.com/releases/2016/10/prweb13770720.htm


          Finovate Group Celebrates their 10th Anniversary Show with FinovateFall in New York City        

The demo-based, FinTech conference has grown in both size and influence since launching in 2007

(PRWeb September 06, 2016)

Read the full story at http://www.prweb.com/releases/2016/09/prweb13658869.htm


          Leverage PR Named Agency of Record for FinovateFall 2016 and FinovateSpring 2017        

The Finovate Group chooses Leverage PR as agency of record for their expertise and connections within the fintech arena.

(PRWeb August 30, 2016)

Read the full story at http://www.prweb.com/releases/2016/08/prweb13646468.htm


          ã‚¯ãƒ©ã‚¦ãƒ‰ãƒãƒ³ã‚¯ã®ã‚·ã‚¹ãƒ†ãƒ ã¨FinTechについて        
日本クラウド証券にてIT兼マーケティングを担当しています片岡と申します。 現在、クラウドバンクのシステム開発は、セキュリティ対策、とりわけ個人情報漏えいを未然に防ぐ施策に重点を置いてきた。現時点で万全を期しているが昨今の… Continue Reading
          The 10th Annual Wealth Management & Private Banking Asia 2016        
Share: 
Tradeshow Industry: 
Tradeshow City: 
Dec 1 2016 to Dec 2 2016

China enters its economic “New Normal” along with the continuous evolution of RMB internationalization and devaluation. It creates an uncertain environment for high net worth individuals and financial institutions. Weak wealth protection, insufficient regulatory oversight, commercial dispute and divorce risk, as well as levy of legacy duty add pressure to the wealth management industry. Nevertheless, the number of HNWI clients keeps growing. According to BCG statistics, the total amount of personal investable assets increased to USD 17 trillion in China by the end of 2015 and reaches USD 30 trillion by 2020 as predicted. While private wealth in Asia is growing faster than other regions, China becomes one of the biggest wealth management markets for HNWIs and UHNWIs.

Since commencement in 2007, China’s wealth management and private banking has developed an impressive spectrum of products and services. However, the penetration of private banking service reaches only 8% in China’s HNWIs and UHNWIs. China’s private banks and wealth management institutions still need to increase the number of HNWI clients and satisfy their needs with international, digital and cross-industry comprehensive services. Market booms make global network establishment, family office business development and online platform upgrade the most challenging tasks to all players.

The 10th Annual Wealth Management and Private Banking Asia 2016, takes place on December 1st -2nd, 2016 in Shanghai China. The annual event brings together leading private banks, family offices, wealth management institutions, trust companies, law firms and consulting firms from China and APAC to discuss issues of business cooperation, cross-industry and cross-border comprehensive services and discretionary portfolio mandates, as well as technology innovation in wealth management, etc.

As China’s leading private banking events’ organizer, we believe the annual convention will consistently provide a great platform to share professional insights and catch business opportunities for all market players. We sincerely invite you to participate in this conference and give your professional insights and best practices.

Key Issues:

  • How Global Transparency Affects Wealth Management Market
  • From Global KPI Benchmark 2016 to Evaluate China Private Banking Development
  • How to Satisfy HNW Families with Family Office Service
  • China’s Trust in Wealth Management Market
  • Insight Into China HNWIs
  • How Residence and Citizenship Planning Affects Outbound Investment
  • How to Formulate Product Strategy and Portfolio Advisory Service
  • Risk Control and Tax Planning: Insurance Becomes HNWI’s Top choice
  • Cross-industry Comprehensive, International and Digital Service of Private Bank
  • Robo-Advisor and Wealth Management Market Evolution
  • How IT Application Changes Private Banking Business Model
  • How to Use Fintech to Improve Efficiency and HNWIs’ Satisfaction

Who Will Attend?

  • Private Banking  32%
  • Wealth Management/Asset Management/Equity Funds/Funds/Futures/Securities  39%
  • Insurance  9%
  • Law, Accounting & Consulting Firm  11%
  • Government & Associations  3%
  • Media  5%

>>> Registration Channel:

http://www.private-bank-china.com/showpage.aspx?id=5244

>>> For more information, please contact:

Angela SUN | +86-21-5242 8067 | angela.sun@shine-consultant.com | www.private-bank-china.com


          Aprendiendo Ethereum/RSK (1)        
Siguiente Post A comienzos del año pasado (febrero 2016) me incorporé al equipo de desarrollo de @RskSmart. Soy un programador con experiencia, pero en aquel entonces, sin conocimiento de Bitcoin, Ethereum, blockchains y demás, apenas alguna conferencia y lo que leía ocasionalmente en posts y artículos. Como había trabajado en FinTech un año, algo me había… Continue reading Aprendiendo Ethereum/RSK (1)
          Why Do FinTechs Want To Save Screen Scraping?        

The European financial services industry is on the cusp of a technological revolution. Reforms like PSD2 and the CMA initiative in the UK are forcing traditional banking institutions to enter the API Economy as active participants.

Great news for the FinTech scene, one would think; at last the banking platforms are being opened up ready for third-parties to securely access a customer’s data without the need to screen scrape online banking interfaces (also frequently referred to as ‘direct access’). Read more

The post Why Do FinTechs Want To Save Screen Scraping? appeared first on Nordic APIs.


          Davos' FinTech Left One Innovation Out        
Today's IT infrastructures in banks have grown historically over decades. Creating a helicopter view of the IT landscape is sometimes impossible because it takes a large group of experts from different areas in a bank to talk to each other in order to get an overview.
          Cutter Associates Announces Autumn 2016 Research Topics        

Cutter will present research on Managing Fintech, Mastering Client/Account/ Product Data, and Risk Management Systems

(PRWeb July 22, 2016)

Read the full story at http://www.prweb.com/releases/2016/07/prweb13564419.htm


          Fintech: Aviva sperimenta un nuovo modello di incubazione        

Aviva e Founders Factory (l’acceleratore e incubatore britannico fondato da Brent Hoberman e Henry Lane Fox) hanno reso note le prime cinque start-up del programma fintech e lanciano anche una propria start-up: On care. La partnership tra le due società, del valore di svariati milioni di sterline, rientra nella più ampia strategia di innovazione di Aviva e […]

L'articolo Fintech: Aviva sperimenta un nuovo modello di incubazione sembra essere il primo su Assinews.it.


          Governo in manovra sul fintech        

di Luisa Leone Potrebbero arrivare già in autunno le prime norme pro-fintech. La settimana scorsa il ministero dell’Economia ha avviato un tavolo con gli operatori e nello stesso tempo la commissione Finanza della Camera ha dato l’ok a un’indagine conoscitiva sul settore. Si tratta dei primi passi del mondo istituzionale ma le intenzioni sembrano volgere […]

L'articolo Governo in manovra sul fintech sembra essere il primo su Assinews.it.


          RASSEGNA STAMPA ASSICURATIVA 01/08/2017        

Governo in manovra sul fintech Pensioni, oltre quota 8 milioni gli iscritti ai fondi Tutto pronto per la Sgr di Fineco Azimut rilancia su Futurimpresa e sul private equity Più compiti ai giudici di pace Sicurezza scuole, chi ne risponde? Scontro dirigenti-enti locali Fineco, un utile da record Il riscatto (gratis) della laurea Banche, con […]

L'articolo RASSEGNA STAMPA ASSICURATIVA 01/08/2017 sembra essere il primo su Assinews.it.


          CeTif: il 50% delle Fintech italiane ha già avviato collaborazioni con Istituzioni finanziarie        

Fintech Lighthouse, Il programma annuale di ricerca di CeTIF dedicato al mondo Fintech,realizzato in collaborazione con IBM, ha mostrato come il 50% delle Fintech italiane ha già avviato collaborazioni con Istituzioni finanziarie. Il Fintech Lighthouse Program di CeTIF ha l’obiettivo di diffondere tra le Banche e le Compagnie di Assicurazione del network la portata disruptive di questo […]

L'articolo CeTif: il 50% delle Fintech italiane ha già avviato collaborazioni con Istituzioni finanziarie sembra essere il primo su Assinews.it.


          Spin out companies: Financial Technology        

Last updated: 12:29, Thu 10 Aug 2017 by Beck Lockwood

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          Italy Approves 1.2% of GDP to Save It's Troubled Banks... Again! Exactly As We Warned Last Year        

Itlays IMF erroneous forecastsI've been warning about Italy's troubled banks since 2010, and last year I pushed two very detailed reports about what was essentially Italy's Bear Stearns and Lehman Brothers. Italy is a mess and the IMF and EC have been too optimistic regarding its prospects for 7 years (not just lately), see Lies, Damn Lies, and Sovereign Truths: Why the Euro is Destined to Collapse! Fast foward to today and Bloomberg reports: Italy Approves $21 Billion Fund to Shore Up Its Troubled Banks

Italy’s parliament approved a law to plow as much as 20 billion euros ($21 billion) into Banca Monte dei Paschi di Siena SpA and other troubled lenders as part of the nation’s efforts to revamp its banking industry.

 

The lower house gave its final approval to the legislation Thursday, converting the decree law passed by Prime Minister Paolo Gentiloni’s cabinet in December. It includes emergency liquidity guarantees and capital injections for struggling lenders in compliance with state aid rules. Banks will be able to request precautionary recapitalizations that would see some bondholders take a hit.

... Italy’s banks are struggling under the weight of a 360 billion-euro mountain of bad loans, a plight that has eroded profitability and undermined investor confidence. Taking Monte Paschi into public ownership, which would be Italy’s biggest nationalization since the 1930s, could be followed by rescues of lenders including Veneto Banca SpA and Banca Popolare di Vicenza.

 Keep in mind that Italy's GDP is only $1.8 trillion, meaning that it will put over 1% of its GDP into bailing failing banks, for the second time in 7 years!

I have warned about Italian banks since 2010, but the IMF/EC said things were getting better.  The IMF has always been overly optimistic when it comes to Italy.

Italy IMF forecast GDP

As I've said, I've been warning about Italy's troubled banks since 2010. During the months of March and April of 2016 we released a series of proprietary research reports indicating signficant weakneses that we found in the European banking system and released it for sale through the blockchain (reference The First Bank Likely to Fall in the Great European Banking Crisis). This was performed by the same macro forensic and fundamental analysis team that first warned about the pan-European sovereign debt crisis in 2009 and 2010 (reference Pan-European sovereign debt crisis) as well as Bear Stearns and Lehman Brothers (Is this the Breaking of the Bear? January 2008)

Today, Reuters released news vindicating our position in spades, leading any institution that took a position via our blockchain-based Veritaseum trading platform or today's legacy system with 14% cash gains or 50% to 100+% leveraged gains in the short time period in question, to wit: Tumbling Banco Popolare leads Italian bank shares lower

  • Banco Popolare shares fall 14 pct to record low
  • Bank booked writedowns ahead of merger with Popolare Milano
  • Italian banking shares dogged by concerns over bad loans (Recasts with details)

MILAN, May 11 Shares in Banco Popolare plunged 14 percent on Wednesday after a surprise first-quarter loss driven by loan writedowns -- the main focus of investor concerns over Italian banks.

Banco Popolare booked loan writedowns requested by the European Central Bank as a condition for approving a planned merger with Banca Popolare di Milano that will create Italy's third-biggest banking group.

To improve its loan loss provisions Banco Popolare must raise 1 billion euros in a share issue slated for early June.

Investors are expected to be more supportive of the move than was the case when Banca Popolare di Vicenza IPO-BPVS.MI tried to raise cash last month and had to be supported by a new bank rescue fund.

Shares in Banco Popolare lost 14 percent by 1040 GMT, hitting a record low of 4.14 euros.

Popolare Milano lost 10 percent to 0.50 euros, against a 3 percent drop in Italy's banking index.

Italian banks have lost nearly 40 percent of their market value so far this year, weighed down by concerns they could need additional capital to shoulder losses from sales of bad loans that rose to 360 billion euros ($410 billion) during a long recession.

A share rebound triggered by the hasty creation last month of the fund intended to inject capital into weaker lenders and buy their bad loans proved short-lived.

Banco Popolare said late on Tuesday that it had written down loans for 684 million euros in the first quarter, nearly four times more than in the same period of 2015, posting a net loss of 314 million euros for the first three months.

CEO Pierfrancesco Saviotti told an analyst call that the loan writedowns were the first step towards selling chunks of bad loans and that it would book further provisions this year."

Let's take a look at what the Macrotechnology, fintech and blockchain research experts at Veritaseum had to say about Banco Popular. Keep in mind that although we are now a technology firm, we specialize in Fintech and Macrotech, hence keeping our finger on the pulse of the global banking system is paramount. We mush be aware of what it is that we are disintermediating! On that note, we will happily create a distributed blockchain solution using our realistic approach to isolate these risks in a zero trust confine, essentially bullet proofing parts of this bank or any other from catastrophic loss. Ping me for more.

Banco Popular Research teaser

Income from operations declined every year from 2011 due to lower interest margin and higher operating expense. The declining trend was stopped in 2015 as the bank recorded a rise of 13% in income from operations. The pop was due to sale of equity investments held in ICBPI (13.88%) and Arca SGR (19.9%) amounting to Euro172.6 and Euro68.7 million, respectively, and higher other operating income including fees and commission earned. However, the notable aspect is the core income from operations has been on constant decline (even in 2015) over the last few years

Banco Popular Research teaser1

 The quality of loans has been deteriorating with percentage of non-performing and bad loans showing signs of increase due to adverse macro-economic environment. Of the total loan portfolio, the bank’s performing loans decreased to 82.1% in 2015 from 83.7% in 2013. Furthermore, BP stopped reporting restructured loans for at least two years. That looks quite suspicious given that loan credit quality has been tumbling. The numbers offered add up, but they shouldn't unless the restructured loans have been somehow reclassified as performing loans (quite possibly). If so, that's quite misleading and should be duly noted.

A significant percentage of the loan portfolio comprises mortgage loans and loans on current accounts. Distressed residential real estate sector and subdued business environment are likely to take toll on % of performing loans in these categories.  As can be seen below, Italy as a nation, has high NPLs and it is not materially improving, YoY.

 Banco Popular Research teaser2

Since the hyperlinks are not active in these report jpg snapshots, I'll past the text here so you can access the live links, reference Reggie Middleton vs Rating Agencies.

Banco Popular Research teaser3

Parallels to Bear Stearns Before it Popped

In January of 2008, we warned (in exquisite detail) of the collapse of Bear Stearns. It was 2 months before Bear Stearns actually fell, while it was trading in the $100s and still had buy ratings and investment grade AA or better from the ratings agencies. See for yourself: Is this the Breaking of the Bear? As part of the analysis, we did a counterparty risk profile, see below:

Counterparty Risk

In $million   OTC Derivative credit exposure ($ million)      
           
           
TThe table summarizes the counterparty credit quality of the company's exposure with respect to OTC derivatives  
Rating(2) Exposure Collateral (3) Exposure, Net of Collateral (4) Percentage of Exposure, Net of Collateral Total exposure a % of Total assets Net exposure as a % of Total assets Net exposure as a % of equity
AAA 3,369 56 3,333 42% 0.8% 0.8% 25.6%
AA 6,981 4,939 2,153 27% 1.8% 0.5% 16.6%
A 3,869 2,230 1,784 23% 1.0% 0.4% 13.7%
BBB 354 239 203 3% 0.1% 0.1% 1.6%
BB and lower 1,571 3,162 322 4% 0.4% 0.1% 2.5%
Non-rated 152 223 94 1%

picsay-1400512647

Reggie Middleton discussion UltraCoin at the 2014 FinTech conference at Dechert LLP.

Coindesk asks "Do Patent Filings from eBay and Western Union Pose a Threat to Bitcoin?" I feel  the question is in and of itself missing the point. To explain this fully, I have to share a little bit about myself, particularly my weaknesses. I'm the type of person who is very knowledgeable about his strengths and his weaknesses, but sometimes I don't see my strength for what it is, and that is tantamount to a weakness in a highly competitive environment.

Case in point, in discussing whether or not competing patents have been filed for smart contract transacion processes by those who seek to be in my space with my contract engineer (a very skilled software architect and IP attorney), I displayed what I considered a healthy level of paranoid concern. I found it hard to believe that no one bothered to patent the most innovative, disruptive and groundbreaking aspect of this new crop of digital currencies - the ability to program them. As those who follow me know, I've spent a lot of resources developing, designing, refining and patenting advanced smart contracts (see How Reggie Middleton's Start-up Patented The Future of Global Finance!). I actually found it highly unlikely that no one had come up with this idea before me. Matt (my contracts engineer) said, "You know, it actually takes an uncanny amount of vision to have seen the scope of this stuff and act upon it, not to mention to have done so 6 months ago. Not many people are like you." Right then and there, it hit me. People really do not see things the way I do! 

Most know me from my prescient calls in banking, finance, real estate and tech (see Who is Reggie Middleton?). I've demonstrated a knack for seeing future trends and determining when things (such as valuations and opportunities) are out of whack. With that being said, the big media interest in Bitcoin combined with the increasing VC interest in Bitcoin companies (reference BitPay Gets $30 Million in Venture Capital Funding) is a very good thing for the industry, but also illustrates shortsigtedness in both the investment community and many practitioners.

The problem with the processors...

When bitcoin is as easy as PayPal to use then it will be on the path to mass adoption, but to assume that’s the most lucrative path to take in bitcoin company private equity investment begs the wrong question. Here’s the strategic landscape as I see it.

Bitcoin is very inexpensive to use as a transfer agent. A transaction may be safely sent without fees if these conditions are met (this is excerpted directly from the Bitcoin Wiki, verbatum):

  1. It is smaller than 1,000 bytes.
  2. All outputs are 0.01 BTC or larger.
  3. Its priority is large enough

Otherwise, the reference implementation will round up the transaction size to the next thousand bytes and add a fee of 0.1 mBTC (0.0001 BTC) per thousand bytes. Note that a typical transaction is 500 bytes, so the typical transaction fee for low-priority transactions is 0.1 mBTC (0.0001 BTC), regardless of the number of bitcoins sent.

Bitcoin as of 5/18/2014 is $444.74m, thus the fee for this transaction is roughly 4 cents, if not outright free. If a processor is transferring $10,000 on behalf of a customer, whether at one time or 100 times throughout the course of a month, the processor’s fee cost would range from $0 to $4, while the processor would likely charge (as of the date of this writing, $0 to $100). The traditional processors such a Visa or Paypal  would charge hundreds (as in up to 50x more!) for the same deal!

That 25x markup on the high end is significant (even for the Bitcoin companies), and ripe for disintermediation itself (that's right, the disintermediaing agents are poised for disintermediaion). Particularly once the UX of Bitcoin evolves, as email and web browsing did, and users realize how easy and cheap it is to jump onto the blockchain and do this stuff themselves.

Even assuming users don’t follow the historical model of those that left proprietary walled gardens (think AOL) and jumped directly into the open World Wide Web themselves, there are no material barriers to entry to enter into the processing business other than potentially a money transmitter license. The only material barrier, hence the business opportunity, is that Bitcoin is cumbersome to use. As the UI/UX polish increases and the amount of competitors in the space increase, the lower the prices charged - hence the margins - will be.

With such low barriers to entry and potentially humongous markups to exploit, what do you think happens next? The wild, untamed hordes of competitors swoop down upon the masses, and we have a concerted race to zero, and likely negative margin as competitors attempt to make processing a loss leader to draw users into the folds of richer, higher margin services!!!

 The race to marginal zero, then negative, does not make a strong business plan. So, what do these companies such as BitPay, Coinbase, etc. do once that point is reached (rather quickly)? They look to value added (high margin) services on top of their low margin, utility-like payment infrastructures.

Enter smart contracts and the true use of programmability in the crypto-currencies. The easiest and the likely first implementation of such will be multi-sig operations which allow multiple parties to share funds without having to worry about trusting and single party in a transaction. Our ZeroTrust Letters of Credit (patent pending) is just such a product. It allows for multiple parties to tranfer payment for simple and complex transactions contingent upon the mutual agreed upon successful execution of said transactions. This is done without the parties having to:

  1. Know each other
  2. Trust each other
  3. Have any form of proximity to each other;

and can be done using micropayments all the way up to multi-million dollar macro payments. The barriers to this business are much higher. For one, it takes more than just programming code. You have to be able to congeal the legal logic of the conventional law in equity contract into code. You have to be able to congeal the business logic into code, and you have to be able to implement it into the blockchain or whatever other underlying transmission mechanism you choose to utilize.

Once the race to negative zero is in full swing, a few of the wiser companies will wake-up and say "Hey, there has to be a better way, and we think we found it!". It is at that point Reggie Middleton's UltraCoin products and assets will shine. It is not hard to foresee that the entrenched companies (Visa, Mastercard, PayPal, Western Union) may enter a bidding war with the new comers armed with material VC warchests (much more than we're seeing with $30 million investments of today - all over the guys who had the foresight to see the next evolutionary step in plain vanilla payments - smart transactions and self-executing digital contracts and transactions.

We're actively looking for financial and intellectual capital. If you, as an accredited investor, are looking for an opportunity in the higher end of the digital currency space, I think we should talk. In addition, if you are a higher level Java/C++ developer willing to take risk, we need to talk. I'm available at reggie at ultra-coin.com.

 

          Business Intelligence Manager (m/f) // FinLeap        

We’re FinLeap, a Fintech company builder based in Berlin and active in more than ten countries. Along with our passionate co-founders, we launch several startups per year. Our environment is diverse, exciting, fast-paced and changing every day. We’re now looking for a Business Intelligence Manager (m/f) to join our team on the company builder level. […]

Check out all open positions at http://BerlinStartupJobs.com


          Senior Offline Marketing Manager (m/w) für ein neues FinTech Venture // FinLeap        

In der Welt des Offline Marketings bist du zu Hause. Ob TV, Funk oder Print – Du möchtest uns mit Deiner Kreativität und Deinem Ehrgeiz voranbringen! Wage den Sprung und schließe Dich unserem Team an, um gemeinsam die Finanzindustrie zu revolutionieren! Wir sind ein neues Venture aus der FinLeap Schmiede, ein auf die Finanzdienstleistungsbranche spezialisierter […]

Check out all open positions at http://BerlinStartupJobs.com


          Senior Online Marketing Manager (m/f) for a new FinTech Venture // FinLeap        

You eat complexity for breakfast, have never met a challenge you don’t like and live for number crunching. You’re the ultimate analytical mastermind who doesn’t stop until we’re at the top of every hit list. Optimization is your middle name—we’re pleased to meet you and welcome you on board. We’re FinLeap, a Fintech company builder […]

Check out all open positions at http://BerlinStartupJobs.com


          Senior Offline Marketing Manager (m/w) für ein neues FinTech Venture (Cyber) // FinLeap        

In der Welt des Offline Marketings bist du zu Hause. Ob TV, Funk oder Print – Du möchtest uns mit Deiner Kreativität und Deinem Ehrgeiz voranbringen! Wage den Sprung und schließe Dich unserem Team an, um gemeinsam die Finanzindustrie zu revolutionieren! Wir sind ein neues Venture aus der FinLeap Schmiede, ein auf die Finanzdienstleistungsbranche spezialisierter […]

Check out all open positions at http://BerlinStartupJobs.com


          (Junior) Account Manager France (m/f) for financeAds International // FinLeap        

financeAds International provides performance marketing solutions designed for the financial sector. Our clients are banks, insurance companies and FinTech startups. We help them to increase their online sales and customer base. A joint venture between financeAds and Berlin-based FinTech company builder FinLeap, financeAds International covers seven European markets with its multicultural team. More details about […]

Check out all open positions at http://BerlinStartupJobs.com


          e-Biz Expo Asia 2017        
e-Biz Expo Asia 2017 งานธุรกิจบริการและเทคโนโลยีด้านอีคอมเมิร์ซครบวงจรที่สุดในประเทศไทย 

15-17 มิถุนายน 2560 เวลา 10.00-19.00 น.
ณ Plenary Hall 1-3 ศูนย์การประชุมแห่งชาติสิริกิติ์ 

แนวความคิด:
GATEWAY TO ASEAN E-COMMERCE & DIGITAL BUSINESS “เปิดประตูสู่อาเซียนด้วยอีคอมเมิร์ซและดิจิทัล” 

จุดประสงค์:
- มุ่งเน้นให้เกิดความร่วมมือ การถ่ายทอดความรู้และเทคโนโลยีให้ผู้ประกอบการ สอดคล้องกับนโยบาย Thailand 4.0 ของรัฐบาล ซึ่งเป็นหัวใจหลัก
- สร้างให้เกิดการขับเคลื่อนเศรษฐกิจด้วยนวัตกรรม  Value-Based Economy  โดยใช้นวัตกรรมและเทคโนโลยีสมัยใหม่เข้ามาช่วยพัฒนาเศรษฐกิจและสังคมของประเทศ
- บริการธุรกิจดิจิทัลและเทคโนโลยีชั้นนำของไทยอย่างครบวงจรกับ 5 โซนธุรกิจ

5 โซนธุรกิจที่นำมาจัดแสดงภายในงาน
1. e-Commerce Show และ e Market Place ทั้งไทยและต่างประเทศ
- ปรึกษาการวางแผนธุรกิจอีคอมเมิร์ซ และ platform ที่รองรับการค้าขายออนไลน์
2. Payment Show 
- ระบบความปลอดภัยในการทำธุรกรรมออนไลน์
3. e-Logistic Show
- บริการระบบขนส่งระบบอีคอมเมิร์ซ บริการพื้นที่จัดเก็บสินค้า และขนส่งสินค้าออนไลน์
4. Digital Marketing
- การทำตลาดออนไลน์ เทคนิคการขาย และการวางแผนการตลาดให้เข้าถึงกลุ่มลูกค้า
5. Cross-Border e-Commerce
- การจับคู่เจรจาธุรกิจการค้าบนโลกออนไลน์ การขายสินค้าข้ามพรมแดนทั่วโลก

ตารางงานสัมมนา เวทีกลาง
ฟรี  Workshop และ Seminar คลิ๊กลงทะเบียนออนไลน์ ที่นี่

วันพฤหัสบดีที่ 15 มิถุนายน 2560
09.00-10.00น.    ลงทะเบียนเข้าร่วมงาน (Registration)
10.00-10.20น.    พิธีเปิดงาน "E-Biz Expo Asia 2017 and The 6th Thailand E- Commerce day 2017"
Grand opening ceremony to The 6th Thailand E-Commerce day 2017 and E-Biz Expo 2017
10.20-10.45น.    พิธีมอบรางวัล: "DBD E-Commerce Website Award 2017: DEWA"
Award ceremony: DBD E-Commerce Website Award 2017: DEWA”
ผู้มอบรางวัล: นางสาวบรรจงจิตต์ อังศุสิงห์  อธิบดีกรมพัฒนาธุรกิจการค้ากระทรวงพาณิชย์
Ms. Banjongjitt Angsusingh, Director General, Department of Business Development, Ministry of Commerce

10.45 - 11.30น.    หัวข้อบรรยาย: "เจาะเทรนด์นักช้อปออนไลน์ในประเทศไทยและเตรียมตัวไปไกลในระดับอาเซียน"
Keynote: “Online Shoppers Behavior & Hot Trend in Thailand across ASEAN”
โดย: คุณอภิชญา เตชะมหพันธ์  ผู้บริหารด้านหุ้นส่วนกลยุทธ์ บริษัทกูเกิ้ล เอเชียตะวันออกเฉียงใต้
Ms. Apichaya Taechamahapun, Strategic Partner Manager, Channel Partnerships, Google South East Asia

11.30 - 12.15น.    หัวข้อบรรยาย: "การเป็นที่1 ในใจลูกค้าไม่ใช่เรื่องยาก"
Keynote: “Creating Compelling Customer Experience with Omnichannel”
โดย: คุณทอม แบล็กแมน  ผู้อำนวยการประจำภูมิภาคเอเชีย บริษัท เซ็นเดกส์
Mr. Tom Blackman  Director, Asia, Zendesk Company
12.30 - 13.00น.    พักรับประทานอาหารกลางวัน (Lunch Time)
13.00 - 14.00น.    การเสวนาหัวข้อ: "ปัจจัยแห่งความสำเร็จ:การแชร์ประสบการณ์จากผู้ชนะรางวัล DBD e-Commerce Website Award 2017"
Panelist: “Key factors to succeed: shared by Winners of DBD e-Commerce Website Award 2017” ผู้ได้รับรางวัลสุดยอดจากเว็บไซต์ของร้านค้าออนไลน์ปี 2017 โดย:
- รางวัลสาขาเว็บไซต์พาณิชย์อิเล็กทรอนิกส์ที่มีการบริหารจัดการยอดเยี่ยม “The Best of Excellent e-Commerce Website Award 2017”
- รางวัลสาขาเว็บไซต์พาณิชย์อิเล็กทรอนิกส์ที่มีการตลาดสร้างสรรค์ “The Best of Creative Marketing Award 2017”
- รางวัลสาขาเว็บไซต์พาณิชย์อิเล็กทรอนิกส์ที่มีความน่าเชื่อถือ “The Best of Trustworthy e-Commerce Website Award 2017”

14.00 - 15.00น.    Learn and Share (เวทีกลาง)
15.00 - 16.00น.    หัวข้อบรรยาย: "สภาพตลาดอีคอมเมิร์ซอาเซียนและการเป็นผู้ขายออนไลน์ยอดขายหลักล้าน"
Keynote: "ASEAN Ecommerce market and Millionaire's sellers"
โดย: คุณเบ็บติสต์ เลอ เกล ประธานเจ้าหน้าที่ฝ่ายการตลาด  บริษัทลาซาด้า (ประเทศไทย) จำกัด ซึ่งเป็นบริษัทในเครือบริษัทอาลีบาบากรุ๊ป
Mr. Baptiste Le Gal, Chief Marketing Officer (CMO)
16.00 - 17.00น.    Learn and Share (เวทีกลาง)
17.00 - 18.00น.    หัวข้อบรรยาย: "การขยายฐานลูกค้าของSMEs ด้วย e-Market Place"
Keynote: “Growth your business & Sale with e-Market Place and Insight Best Practice”
โดย: คุณฮ่อง เซล เจี้ยน ประธานเจ้าหน้าที่บริหาร  บริษัท 11Street (ประเทศไทย) จำกัด
Mr. Hong CheolJeon, Chief Exclusive Officer (CEO), 11street (Thailand), www.11street.com (Tentative)


วันศุกร์ที่ 16 มิถุนายน 2560
10.00 - 10.45 น.    Learn and Share (เวทีกลาง)
10.45 - 11.15น.    Learn and Share (เวทีกลาง)
11.15 - 12.30น.    หัวข้อบรรยาย: "การขยายฐานลูกค้าและเพิ่มยอดขายด้วย Smart Platform"
Keynote: "Best e-Commerce Practice and Selling Online with Smart Platform and Smart Tactics"
โดย: คุณ อีริค หวน เป่ย กว่าง  หัวหน้าฝ่ายปฏิบัติการ บริษัทช๊อปพี (ประเทศไทย)
Mr. Eric Huân Bui-Quang, Head of Operations, Shopee(Thailand)

12.30 - 13.00น.    พักรับประทานอาหารกลางวัน (Lunch Time)
13.00 - 13.45น.    หัวข้อบรรยาย: "Thailand E-Commerce landscape & Insight and How it will grow? and the rising of Social Commerce"
Keynote: ภาพตลาดอีคอมเมิร์ซแบบเจาะลึกในปัจจุบัน และทิศทางข้างหน้าจะเป็นอย่างไร รวมถึงการเติบโตแบบก้าวกระโดดของชาวโซเชียลคอมเมิร์ซ
โดย: คุณภาวุธ พงษ์วิทยภานุ  กรรมการผู้จัดการ บริษัทตลาดดอดคอม จำกัด (Tarad.com)
Mr. PawootPongvityapanu  General Director Tarad.com
13.45 - 14.15น.    Learn and Share (เวทีกลาง)
14.15 - 15.00น.    หัวข้อบรรยาย: "สิ่งที่ต้องรู้ หัวใจของการทำ E-Commerce ระบบ Software/IT และการบริหารจัดการ Logistic & Supply chain แบบ End-to-end"
Keynote: “All you need to know, A heart of E-Commerce business, End-to- end: Software, IT, Logistic & Supply chain management”
โดย: คุณณัฐพร วุ่นกลิ่นหอม  รองประธานฝ่ายปฏิบัติการ และเทคโนโลยี กลุ่มธุรกิจเซ็นทรัลออนไลน์ บมจ.ซีโอแอล
Mr.NuttapornVoonklinhom, Vice President, Operation & IT, Central Online Business group,
COL Public Company limited”

15.00 – 15.30น.    Learn and Share (เวทีกลาง)
15.30 - 16.15น.    หัวข้อบรรยาย: "ก้าวเข้าสู่ยุคใหม่ของการดูแลลูกค้า ด้วย Service Innovation & Online Customer Relationship Management"
Keynote: “New Era of Customer Relationship by Service Innovation & Online Customer Relationship Management”
โดย: คุณนันทิศา อัครเกษมพร  ผู้ช่วยผู้จัดการธุรกิจ LINE@ ไลน์ ประเทศไทย
Miss NuntisaAkarakasameporn, Manager Assistant, LINE@ (Thailand)

16.15 - 16.45น.    Learn and Share (เวทีกลาง)
16.45 - 17.30น.    การเสวนาหัวข้อ: "Cashless Society? จับเงินในอากาศมาใส่กระเป๋าโอกาสธุรกิจในยุคดิจิทัล"
Panelist: "Business Opportunity in Cashless Society”
ผู้เข้าร่วมเสวนา: คุณสาธิมา โล่วัชรสันต์ฝ่ายพัฒนาธุรกิจ บริษัทแอร์เพย์ (ประเทศไทย) จำกัด
(AirPay Application)
คุณภราดร วิชยภิญโญ  ผู้อำนวยการสำนักธุรกรรมการเงินและบริการออนไลน์  บริษัท แอดวานซ์เอ็มเปย์ จำกัด(mPay Application)
คุณสมหวัง เหลืองไพบูลย์ศรี  ผู้จัดการบริษัทเพย์แพล (ประเทศไทย) จำกัด (PayPal Application)
ผู้ดำเนินการเสวนา:    คุณเอกราชศาลยุติเดช  รองผู้อำนวยการฝ่ายพัฒนาดิจิทัลเพื่อลูกค้ารายย่อย
ธนาคารกรุงศรีอยุธยา จำกัด (มหาชน)

17.30 - 18.00น.    Learn and Share (เวทีกลาง)

วันเสาร์ที่ 17 มิถุนายน 2560
10.00 - 10.45น.    หัวข้อบรรยาย: "พิชิดใจลูกค้า ส่งของตรงเวลาด้วยe-logistic"
Keynote: “Win Customer’s mind by e-Logistic”
โดย: คุณสุทธิเกียรติ จันทรชัยโรจน์  กรรมการผู้จัดการ บริษัทชิปป๊อป จำกัด
10.45 – 11.15 น.    Learn and Share (เวทีกลาง)
11.15 – 12.00 น.    หัวข้อบรรยาย: "Internet Of Things (IoT) เครื่องมือช่วยธุรกิจชื้อขายคล่องรับเงินเร็ว"
Keynote: “Internet of Things (IoT): business tools to e-Commerce”
โดย: คุณมงคล ผอบนาง  ประธานเจ้าหน้าที่บริหาร และผู้ร่วมก่อตั้ง WASHCOIN  Mobile to Machine Corperation Co., Ltd
12.00 – 13.00 น.    Lunch Time
13.00 – 13.45 น.    หัวข้อบรรยาย: "สร้างกลยุทธ์ด้านราคาทำอย่างไร? ในยุคของนักช้อปออนไลน์เปรียบเทียบราคาได้ง่ายแค่คลิ้ก"
Keynote: “Pricing Strategy in Digital Era”
โดย: คุณธนาวัฒน์ มาลาบุปผา  ผู้ก่อตั้งPriceza.com  เว็บไซต์เปรียบเทียบราคาอันดับ 1 ในไทย
Mr. ThanawatMalabuppha, Founder of Priceza.com, No.1 of Price Comparing Website in Thailand
13.45 – 14.15 น.    Learn and Share (เวทีกลาง)
14.15 - 15.15 น.    การเสวนาหัวข้อ: "Last Mile Delivery: โลจิสติกส์ คือ กุญแจสำคัญของการทำอีคอมเมิร์ซไทย"
Panelist: “Last Mile Delivery: Logistics – the most influential key for E-Commerce entrepreneur in Thailand”
ผู้เข้าร่วมเสวนา: คุณฐะปะนีย์ อัมรินทร์รัตน์  ผู้จัดการฝ่ายตลาดขนส่ง  บริษัทไปรษณีย์ไทยจำกัด
วราวุธ นาถประดิษฐ์  ผู้ช่วยผู้จัดการทั่วไป เคอรี่ เอ็กซ์เพรส(ประเทศไทย) จำกัด
Mr. WarawutNatpradith, General Director, Kerry Express (Thailand) Limited (Tentative)
Orakarn Chantaramungkorn, Director of Internet Marketing, aCommerceThailand(Tentative)
ผู้ดำเนินการเสวนา: คุณพงศ์ศิริศิริทร  อุปนายกสมาคมขนส่งสินค้าเร่งด่วนไทย
คุณกุลธิรัตน์ ภควัชร์ไกรเลิศ  ที่ปรึกษาโครงการThailand e-Commerce Day 2017  กรรมการผู้จัดการบริษัท จอยฟูลเนส จำกัด

Ms. KulthirathPakawachkrilers, Project Director and Manager Director of Joyfulness. Co., Ltd
15.15 - 16.00 น.    หัวข้อบรรยาย: "สร้างธุรกิจในโลกดิจิตัลยุค 4.0"
Keynote: “Building business in Digital Thailand 4.0”
โดย: คุณณัฐพัชญ์ วงษ์เหรียญทอง  ผู้เชี่ยวชาญด้าน Digital Marketing และเจ้าของเว็บไซต์การตลาดสุดฮิต nuttaputch.com
16.00 - 16.45น.    หัวข้อบรรยาย: "FinTech and e-Commerce ก้าวที่เหนือกว่าของอีคอมเมิร์ซลูกค้าจ่ายสะดวกธุรกรรมการเงินปลอดภัย"
Keynote: “Fintech and e-Commerce: More Easily and Safety Payment”
โดย: คุณชลเดช เขมะรัตนา  ประธานเจ้าหน้าที่บริหาร บริษัท ฟินเทค (ประเทศไทย) จำกัด
Mr. ChonladetKhemarattana, Chief Exclusive Officer (CEO), Fintech Company (Thailand). Co., Ltd.
16.45 - 17.30น.    หัวข้อบรรยาย: "การทำสื่อโฆษณาที่มีประสิทธิภาพในโลกดิจิทัล"
Keynote: "Effective Digital advertising channels in digital age and trend"
โดย: คุณศุภชัย ปาจริยานนท์  ผู้อำนวยการสมาคมโฆษณาดิจิทัล (ประเทศไทย)
Mr. SupachaiParchariyanon, President of Digital Advertising Association (Thailand)
17.30 - 18.15น.    หัวข้อบรรยาย: "หนทางสู่การเป็นเศรษฐีเงินล้านออนไลน์"
Keynote: “E-Commerce: From Zero to Millionaire”
โดย: คุณสืบศักดิ์ ลิ่วลักษณ์  ประธานเจ้าหน้าที่บริหาร และผู้ก่อตั้ง บริษัท วี คอมเมิร์ซ จำกัด
Mr. SuebsakLiwlak, Chief Exclusive Officer (CEO) & Founder Vcommerce.co.th


ตารางงานสัมมนา จัดโดย ธนาคารกรงศรีอยุธยา จำกัด (มหาชน)
สำหรับลูกค้าธุรกิจ เข้าร่วม Workshop และ Seminar ฟรี
 à¸„ลิ๊กลงทะเบียนออนไลน์ ที่นี่

วันพฤหัสบดีที่ 15 มิถุนายน 2560 
14.15 - 15.00  "ถ่ายภาพสินค้าอย่างมือโปรด้วยมือถือ"
โดย คุณเกียรติขัย หงษ์วิเศษ เจ้าของเพจ SNAPPIX เà¸
          Australian Fintech Booming, Bitcoin Could Be Australia's New National Currency        
Imagine a sunny beach full of fintech entrepreneurs and bitcoin enthusiasts. Visiting colleagues from Singapore, India and China sit sprawled across the soft sand, commenting on how this coastal city became one of the world’s leading startup hubs. No, this scene isn’t happening in California. It’s actually Sydney, Australia.
          DNA Recruit: Senior Account Manager        
£36000.00 - £40000.00 per annum + benefits: DNA Recruit: Creative agency - tick; UK & Global Brands - tick; FS, Fintech, B2B - tick; The only box left that needs ticking is a Senior Account Manager - could this be you? London
          Financial Technology: Information on Subsectors and Regulatory Oversight, April 19, 2017        
What GAO Found The financial technology (fintech) industry is generally described in terms of subsectors that have or are likely to have the greatest impact on financial services, such as credit and payments. Commonly referenced subsectors associated with fintech include marketplace lending, mobile payments, digital wealth management, and distributed ledger technology. Marketplace lenders connect consumers and small businesses seeking online and timelier access to credit with individuals and institutions seeking profitable lending opportunities. Marketplace lenders use traditional and may use less traditional data and credit algorithms to underwrite consumer loans, small business loans, lines of credit, and other loan products. Mobile payments allow consumers to use their smartphones or other mobile devices to make purchases and transfer money instead of relying on the physical use of cash, checks, or credit and debit cards. There are different ways to make mobile payments, including the use of a mobile wallet. Digital wealth management platforms use algorithms based on consumers' data and risk preferences to provide digital services, including investment and financial advice, directly to consumers. Digital wealth management platforms provide services including portfolio selection, asset allocation, account aggregation, and online risk assessments. Distributed ledger technology was introduced to facilitate the recording and transferring of virtual currencies, specifically using a type of distributed ledger technology, known as blockchain. Distributed ledger technology has the potential to be a secure way of conducting transfers of digital assets in a near real-time basis potentially without the need for an intermediary. Regulation of these subsectors depends on the extent to which the firms provide a regulated service and the format in which the services are provided. For example, a marketplace lender may be subject to: federal regulation and examination by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency in connection with certain services provided to depository institutions by the lender; state licensing and regulation in the states in which the lender conducts business; securities offering registration requirements administered by the Securities and Exchange Commission if the lender publicly offers securities; and/or enforcement actions by the Bureau of Consumer Financial Protection and the Federal Trade Commission for violations of certain consumer protection laws. To learn about the fintech industry, some agencies hosted forums, formed working groups, and published whitepapers and regulatory guidance. Why GAO Did This Study Advances in technology and the widespread use of the Internet and mobile communication devices have helped fuel the growth in fintech products and services, such as small business financing, student loan refinancing, mobile wallets, virtual currencies, and platforms to connect investors and start-ups. Some fintech products and services offer the potential to expand access to financial services to individuals previously underserved by traditional financial institutions. GAO was asked to review a number of issues related to the fintech industry, including how fintech products and services are regulated. This report, the first in a series of planned reports on fintech, describes four commonly referenced subsectors of fintech and their regulatory oversight. GAO conducted background research and a literature search of publications from agencies and other knowledgeable parties. GAO also reviewed guidance, final rulemakings, initiatives, and enforcement actions from agencies. GAO interviewed representatives of federal agencies, including the federal prudential regulators, state supervision agencies, trade associations, and other knowledgeable parties. GAO is making no recommendations in this report. For more information, contact Lawrance L. Evans at (202) 512-8678 or evansl@gao.gov.
          025 - Disrupting Finance From Within a Leading Swiss Bank with Dave Bruno        

David Bruno is the co-founder of YNOME, a transparent marketplace that rates your financial management providers and helps you assemble your own private bank. David is innovating the fintech industry and discusses how he builds trust and transparency in an industry that's notoriously very hush-hush and filled with regulations. Tune in for more on this week's episode!

  • 01:55 - Who is David Bruno?
  • 03:45 - What are some of David's current goals?
  • 06:25 - David currently has a staff of around 12-15 people.
  • 07:25 - How does David find new opportunities?
  • 08:30 - How does David build trust among his peers and clients?
  • 09:25 - The client's reputation, family and health is much more important than their bank account.
  • 10:20 - All passwords are hackable.
  • 14:30 - What does YNOME do?
  • 15:35 - How does David work with millennials to innovate for the millennial market?
  • 17:10 - How does David keep his board members engaged with the younger generation?
  • 19:10 - David talks on how he attracts and retains talent.
  • 20:50 - How does David properly educate and train his team?
  • 22:35 - Banking managers have to hire in a different way based on the current marketplace.
  • 25:10 - You have to motivate people from the heart.
  • 28:20 - Millennials want to be able to compare financial institutions and choose the best option for them.
  • 31:40 - What has David changed his mind about recently?
  • 33:00 - What does David do to remain creative?
  • 34:15 - To what does David contribute his success in life?

FULL SHOW NOTES: http://innovationecosystem.com/disrupting-finance-from-within-a-leading-swiss-bank-with-dave-bruno/


          Mobile Miscellany, 19th March 2014, Win a Nokia Lumia 1020, Google Cloud Platform Roadshow and more ...        
In this Miscellany: Win a Nokia Lumia 1020 Windows Phone from Microsoft, go behind the scenes with Google’s Cloud Platform Roadshow, The Mobile Academy Programme starts on Tuesday, IBM wants to power your new app with Watson … and more …

Google’s Cloud Platform Developer Roadshow will be in London on April 10th

Our wonderful annual supporters Google Cloud Platform are running a Roadshow which will be in London on April 10th – and there’s a good chance it will be followed by a MoMoLo event, so definitely a day to mark in your diary!

The Roadshow will kick off immediately following some major product announcements slated for March 25, and will visit 27 cities around the world. If you’d like to attend, register here.

In the Roadshow, Google will be talking about new approaches to computing that enable you to move beyond traditional divisions of PaaS and IaaS. They will also show their new developer experience that enables you to work more efficiently as you build, test, and deploy your code. This is a great opportunity to see behind the scenes of the world's biggest cloud and engage with the international Google Cloud Platform team. The Roadshow will also be in Manchester on April 9th.

Win a Nokia Lumia 1020

The Microsoft UK Developer team are looking to get closer to you, so if you fill out their survey, you will have the chance to win the Nokia phone and all entrants get a free eBook sharing what Microsoft Research knows about human communications. It’s all here.

Get to use IBM’s Watson Cognitive Engine 

IBM are inviting you to pitch your idea for the next ground-breaking Watson-powered mobile app. Watson is their cognitive engine. Three lucky winners be granted access to Watson and the resources to build their app. Apply here.

The Mobile Academy starts on Tuesday & runs for 10 weeks, 2 evenings a week

Here is your last chance to grab a place for our 4th Academy and learn what is means to create great mobile experiences from industry experts across business, design and technology. Get to the heart of the mobile scene, meet collaborators from a range of different backgrounds and give yourself a real chance for success. See what alumni say about it here.

We co-host this CPD accredited Programme with UCL at their Shoreditch venue – IDEA London. More info: themobileacademy.org.uk. Don’t forget your 20% off: code: Momolo. Registration is here.

Free and Discounted Places for API Strategy & Practice, March 26-28, Amsterdam

Bringing together the Who’s Who from the API economy, this conference is focused around the value of (Web) APIs, covering technological aspects as well as strategy, business models and successful case studies. Read more here.

We have five free tickets to give away (value EUR 499) to the first people that email apiconference@3scale.net. If you don’t get one of those there is 30% off here.

FinTech Week, Starting March 24th

A 10 day celebration of innovation in financial services. Mobile payments, Mobile banking, Bitcoin, crowdfunding, peer-to-peer lending, forex, insurance innovation and regulation are just some of the topics that will be covered in mini-conferences, meetups and events.

Mobile Monday Members can benefit from a 30% by using the discount code: MOMO1. Don’t miss out on the biggest line-up of Start-ups and large financial enterprises London has ever seen. Space is limited so book early to avoid disappointment.

--

That’s more than enough for one Miscellany! More on the 10th April event soon …

Jo
          Mobile Miscellany, 27th Feb 2014, MWC Cinderella Special        

Whether you're a stay-at-home this week, eschewing the tapas scene in Barcelona or you're making like Cinderella while your ugly sisters enjoy that tapas scene - or even if you've been there, done that, and are now returning home replete with all that MWC has to offer ... we have a short Mobile Miscellany for you with the usual mix of news and offers ...

Last Event, 17th Feb Acceleration and Finance

A packed house last week to hear our super star line up of Simon Cook of DFJ Esprit, Jon Bradford of Techstars, Simon Devonshire of Wayra, Jessica Stacey of NESTA, Brian Taylor of PixelPin and Diane Perlman of Microsoft Ventures superbly chaired by John Spindler of Capital Enterprise. You can read all about it thanks to Simon Andrews of Addictive with video interviews by Tim Green and a full podcast thanks to Mark Bridge of The Fonecast ... all that plus the much asked about presentations by John and Jessica can be found here.

Google Cloud Platform Briefing, this Friday 28th Feb

Google Cloud Platform is holding an event that will be interesting for technical leaders in the mobile community.  It includes the opportunity for 1:1 consultation on building a backend for your mobile app. At 123 Buckingham Palace Road, it's free. Register here.

Starting Soon...The Mobile Academy Spring 2014, 25th March to 27th May

“Need to Know Mobile” Talks, Workshops and Surgeries with Industry Experts in Business, Design and How to work with Technology on Tuesday and Thursday evenings. Based in Shoreditch, co-hosted by Mobile Monday London and UCL, it is also CPD Certified and the only course of its nature in London.

More information and testimonials: themobileacademy.org.uk, 20% off with this link

London Fintech Week, From March 24th

London FinTech Week is just around the corner. It’s a 10 day celebration of innovation in financial services. Don’t miss out on the biggest line-up of start-ups and large financial enterprises London has ever seen. Mobile Monday Members can benefit from a 30% by using the discount code: MOMO1. Space is limited so book early to avoid disappointment.

DCMS Solicits Our Views

The Department for Culture Media and Sport is looking for feedback on the terms of reference for the communications infrastructure strategy that it plans to create. Find out more here and make your views known.

TSB offers 75% funding towards £33k Feasibility Studies

The Technology Strategy Board has £2M to award to feasibility studies from small and micro companies. You can get up to 75% public funding for projects up to £33k. If that's interesting, read more, deadline is 5th March.

DevLab LIVE - win £2,500 or even £10,000

Check out DevLab LIVE which is a 3 day event 28th - 30th March. Talks on the Friday then a weekend hackathon in which you will work some of the UK's leading brands to tackle their challenges. More info and sign up at Eventbrite - 50% off before 7th March.

That's it for now, we'll be back with more - especially on our next events - shortly.

Jo

          What happened at Acceleration & Finance, 17th Feb 2014        
Everyone is still talking about this event! Thanks so much to event partners ICT KTN, all the lovely volunteers, our brilliant chair and the wonderful panelists.

As promised, you'll find below the presentations from both John Spindler and Jessica Stacey PLUS a write up by our champion guest blogger Simon Andrews @addictivemobile - if you don't subscribe to his weekly Mobile Fix, well, you are missing out!

Also we are lucky to have some supersonic interviews from Tim Green @timgreen64 ahead of his new video-based website The Mobile View (watch this space!) and finally, if you want to hear the whole thing: The Fonecast podcast.

Here's Simon's take on the evening.



Accelerators, Finance and Good advice

Mobile Monday London held a fascinating event on Monday February 17. Titled Acceleration and Finance, the team put together a great panel representing accelerators, VCs, entrepreneurs and Nesta (see below for the full list)

Now when you mention money to the mobile community, you get their attention and the event at Centre Point was packed.

The chair John Spindler kicked off with a whirlwind look at the overall VC and accelerator space, and a blizzard of stats and links to resources and more information. Even with 40 slides in 10 minutes, he got a lot about the shape of the market over, making the point there is no shortage of people / organisations that want to help. His full deck is here and deserves some close reading.


John Spindler's Presentation

The key point we took away was that across the US there are around 69,000 seed fundings on $100k each year. In the UK last year there was probably only around 1,500. So there is a way to go yet.

Next up Jessica Stacey from Nesta took us on a little less frenetic tour of the ecology, summarising the accelerator space and drawing upon some of the research Nesta has done in the space. Again a clear message that there is no shortage of resources.

She had a neat summary that we liked, suggesting there are essentially three types of accelerator  - ecosystem, matchmaker and investor. Again Jessica has shared her slides and they are well worth a read.


Jessica Stacey's Presentation

We then moved to the panel and this session opened with each of the panellists introducing themselves and their organisation.

Jon Bradford of Techstars went first and whilst the Techstars model is pretty well understood he also talked about their partnerships with corporates and how important he thought that was. They are currently doing programmes with Barclays and Disney, whilst there is no investment a clear focus on the appropriate vertical is ideal for some start ups.


Building on the corporate venturing theme Simon Devonshire of Telefonica's Wayra went next. With bases in numerous cities the Wayra initiative is proving a success in terms of number of applicants and the progress of the teams accepted.

Rather newer is the Microsoft accelerator and Diane Perlman spoke about their experience in other markets and their ambitions for the new programmes across Europe. Jon Bradford suggested – tongue in cheek - that they had stolen the idea after Techstars ran a programme for Microsoft.

Both Simon and Diane were at pains to point out that teams were not locked into the sponsoring corporate; Simon said they would and had facilitated deals with Vodafone etc. and Diane stressed that the teams on the Microsoft programme could build on any tech platform they liked – although clearly links with xBox were a huge advantage for gaming start ups.


But what is it like for an entrepreneur? The next panelist was Brian Taylor who has a start up called PixelPin and is currently navigating the world of accelerators and funding. He talked about the benefits of grants and match funding but emphasised the need for persistence – a point that kept coming up. His view on the key advantage of accelerator programmes? The connections that they open up – he mentioned that he has met 10 banks in then last few weeks â€“ something that would have taken years without the contacts of his accelerator.

Last up was Simon Cook of DFJ Esprirt – the European arm of legendary valley VC Draper Fisher. The track record of both the US and Europe is amazing and he talked from the viewpoint of later stage investing.  He thinks the key role of accelerators is to teach entrepreneurship – giving people the skills to build a business.

His general view probably resonated most with us – he believes there is too much focus in fundraising as a measure of success; there are 10 million SMEs across Europe that people have started and made a success of – compelling evidence of entrepreneurship.

All the panellists spoke of the intense competition to get into their programmes and when asked what were the factors that differentiated the chosen few there was some consensus; it’s all about the team. Jon put it best when he shared his 5 criteria for selecting someone into Techstars:

Team, Team, Team, Opportunity & Team

The questions dug a little deeper into these issues and Simon Cook made an interesting point – despite the rapid expansion of accelerators and the buzz around start ups the actual number of a Series A funding has stayed really constant at around 1,000.

The best advice from the panel? Probably Jon's advice to find the 3 smartest people you know and go buy them a coffee and ask them to tear your idea apart. Then ask them to suggest another 3 people to do the same with. This way you quickly start to find the issues you need to address.

And Simon Cook ended by pointing out that even the biggest successes gave been through tough times. He talked of board meetings where it was feared the next salaries could not be paid – yet these companies had gone on to huge success.

Our take is that too many people focus on the quick win of an accelerator place and funding. The reality is that these are lottery wins – great when they happen, but not something to rely on.

Smart entrepreneurs get their team right and build a business around solving a problem. Getting people to pay for your solution validates your idea and demonstrates you have the grit and persistence to make a success of your business. And that story could well open the doors to the accelerators and the funding.

Good luck.

Chair - John Spindler, CEO of Capital Enterprise (@CapEnterprise),

Jessica Stacey - @JessStacey - Programme and Research Manager, Accelerators and Early Stage Businesses, NESTA
Jessica has been working on an update to NESTA's report on start-up acceleration and will be sharing some of their conclusions.

Simon Cook - @venturejedi, CEO and Co-founder DFJ Esprit
DFJ Esprit are leading VC investors on the London scene. Simon, who has been described by Esquire as "A rock 'n' roll figure with a blonde faux-hawk and some billion-dollar swagger" will hopefully share with us what they look for and how they view acceleration.

Brian Taylor - @Brian_PixelPin, CEO & Inventor PixelPin
PixelPin goes from strength to strength - a graduate from the Wayra London Academy, PixelPin has now gone on the the Fintech Innovation Lab and has interesting stories to tell about raising finance on the way. Not to mention that we're proud that Brian is a graduate of The Mobile Academy.

Diane Perlman - @Diane_Perlman, Microsoft Ventures, Start-ups Lead
Microsoft's own London acceleration programme has just started at Central Working. Diane will undoubtedly have lots of say about selection of candidates and differentiation of programmes.

Simon Devonshire - @simondevonshire, Director, Wayra Europe (Telefonica)
Simon has been responsible for setting up Wayra Academies across Europe, you might call him a serial accelerator creator. He's certainly in a good position to comment on the value created.

Jon Bradford - @jd, MD, Techstars London
To say that Jon has been on the inside track of the start-up, acceleration and investment scene here in the UK and else where would be to miss the point. Jon has promised that his contribution will be "fun and lively" ...


          Next Event: 17th Feb 2014 - Acceleration and Finance        
A super star line up for our next event which is the latest chapter in our long running series on Finance for Start-Ups and once again we are working with our event partner ICT KTN.

The focus of this event is accelerators. There are lots of them, there will soon be more. The questions: "What does it take to get on an Acceleration programme?" and "How much do investors value them?" will undoubtedly be among the topics of discussion.

Once again the inimitable John Spindler, CEO of Capital Enterprise (@CapEnt), will be in the chair. Before we get into the discussion, John will be giving us an updated lightning tour of funding options and Jessica Stacey from NESTA will be giving us some insights into NESTA's research into acceleration. For a flavour of the event, check out last year's event roundup.

Joining John on the panel:

Jessica Stacey - @JessStacey - Programme and Research Manager, Accelerators and Early Stage Businesses, NESTA

Jessica has been working on an update to NESTA's report on start-up acceleration and will be sharing some of their conclusions.

Simon Cook - @venturejedi, CEO and Co-founder DFJ Esprit

DFJ Esprit are leading VC investors on the London scene. Simon, who has been described by Esquire as "A rock 'n' roll figure with a blonde faux-hawk and some billion-dollar swagger" will hopefully share with us what they look for and how they view acceleration.

Brian Taylor - @Brian_PixelPin, CEO & Inventor PixelPin

PixelPin goes from strength to strength - a graduate from the Wayra London Academy, PixelPin has now gone on the the Fintech Innovation Lab and has interesting stories to tell about raising finance on the way. Not to mention that we're proud that Brian is a graduate of The Mobile Academy.

Diane Perlman - @Diane_Perlman, Microsoft Ventures, Start-ups Lead

Microsoft's own London acceleration programme has just started at Central Working. Diane will undoubtedly have lots of say about selection of candidates and differentiation of programmes.

Simon Devonshire - @simondevonshire, Director, Wayra Europe (Telefonica)

Simon has been responsible for setting up Wayra Academies across Europe, you might call him a serial accelerator creator. He's certainly in a good position to comment on the value created.

Jon Bradford - @jd, MD, Techstars London

To say that Jon has been on the inside track of the start-up, acceleration and investment scene here in the UK and else where would be to miss the point. Jon has promised that his contribution will be "fun and lively" ...


All in all a fabulous line-up!

Agenda

6.00pm Arrival
6.30pm Opening talks from John Spindler and Jessica Stacey
6.50pm Panel Discussion
8.00pm Networking
9.30pm Close

Registration

Registration is now open. As usual attendance is free, but registration is required at Eventbrite.

Location

The CBI Conference Centre at Centre Point, the very tall building immediately above Tottenham Court Road tube station, on the Central and Northern Lines. Please use the entrance at street level under the bridge formed by the building itself.
          4 ประเด็นน่าสนใจ หลัง “แสนสิริ” จับมือ SCB เปิดตัว Siri Venture หนุนสตาร์ทอัพกว่า 100 ล้านบาท        


ข่าวใหญ่ในรอบสัปดาห์นี้คงหนีไม่พ้นการประกาศสนับสนุนและเข้าสู่โลก Startup จาก "แสนสิริ" ซึ่งไม่ใช่แค่เข้ามามีส่วนร่วม แต่ถึงกับเปิดตัวกองทุน Siri Venture พร้อมทุนกว่า 100 ล้านบาท !!

หลายคนอาจจะนึกว่าบริษัทอสังหาริมทรัพย์กับการเข้ามามีส่วนร่วมในวงการ Startup ไม่ออก แต่ถ้ามองดูบริษัทอย่าง Airbnb ที่เข้ามาบุกตลาดที่พักจนมีมูลค่ากิจการสูงกว่า 30,000 ล้านดอลล่าห์ไปแล้ว ซึ่งใหญ่กว่าเครือโรงแรม Marriot เสียอีก

การที่แสนสิริมาจับธุรกิจกลุ่มนี้มากขึ้น ถือเป็นเรื่องน่าสนใจทีเดียว เลยอยากลองสรุป 4 ประเด็นที่น่าสนใจจากงานแถลงข่าวที่ผ่านมา



1. ไม่ใช่แค่สนับสนุน แต่เข้ามาเป็นส่วนหนึ่งของวงการ Startup


เราได้เห็นโครงการประกวด, อีเวนต์, โครงการสนับสนุน Startup ออกมามากมายในรอบ 2-3 ปีที่ผ่านมา แต่หลายโครงการก็เป็นเพียงการเข้ามาเพื่อสร้างภาพลักษณ์ให้บริษัทดูทันสมัยขึ้นเท่านั้น

โครงการ Siri Venture จากที่ได้ฟังข้อมูลคือไม่ใช่แค่สนับสนุนวงการ Startup แต่คือการเข้าไปลงทุน และมีส่วนร่วมกับโปรเจ็คต่างๆ ด้วย (เกิดจากการร่วมมือของแสนสิริกับ SCB) รวมถึงทำการพาร์ทเนอร์กับหลายบริษัททั้งในไทยและต่างประเทศในอนาคต เพื่อเปิดโอกาสใหม่ๆ ทางธุรกิจ



2. โอกาสทางธุรกิจที่มากกว่าการสร้างที่อยู่อาศัย

เราได้เห็นกระแสบ้านไฮเทคมานานแล้วในต่างประเทศ แต่เริ่มจะบูทในช่วงไม่กี่ปีที่ผ่านมา ทั้งการเปิดตัวระบบ Homekit ของ Apple, Echo ของ Amazon หรือ Google Home ของฝั่งกูเกิล

บ่านที่เราอยู่ทุกวันนี้อาจจะเปลี่ยนไปอย่างรวดเร็วในช่วงไม่กี่ปีหลังจากนี้ ซึ่งจากในงานเปิดตัวคุณชาคริตก็พูดไว้น่าสนใจว่า

"ถ้ามองว่าบ้าน, คอนโด และที่อยู่อาศัยคือสถานที่มีชีวิต ซึ่งก็คือมีคนอยู่ในนั้น เชื่อว่าหลายชีวิตก็เริ่มเข้าสู่การใช้เทคโนโลยีต่างๆ เพิ่มมากขึ้นเรื่อยๆ ทำไมเราไม่เข้าไปอยู่เป็นส่วนหนึ่งของชีวิตของพวกเขามากขึ้น นั่นคือโอกาสมหาศาลที่น่าสนใจ"

การประกาศตั้งเป้าสร้างเครือข่ายกับ ผู้พัฒนานวัตกรรมใหม่ด้าน Property Technology อย่างน้อย 300 รายภายในปี 2020 ก็ดูน่าจะชัดเจนดีทีเดียว



3. Proptech ศัพท์ใหม่ที่กำลังจะมา


ปีที่ผ่านมาเราจะได้ยินคำว่า Fintech กันบ่อย จากการเปิดตัวโครงการต่างๆ ของฝั่งธนาคาร ส่วนทางค่ายมือถือก็เริ่มโครงการเกี่ยวกับ Startup ไปก่อนหน้านี้สักพักแล้ว

มาในปีนี้กลุ่มอสังหาริมทรัพย์ในไทยเริ่มเข้ามาสนับสนุนและมีส่วนร่วมกับ Startup ด้วยเช่นกัน ซึ่งไม่ใช่แค่เป็นการตามเทรนด์ใหม่ๆ แต่เราเริ่มเห็นความเปลี่ยนแปลงในกลุ่ม Property กับเรื่องไฮเทคมากมาย

เช่น การเพิ่มที่ชาร์จระบบไร้สายเข้ามาในเฟอร์นิเจอร์ต่างๆ ซึ่งเราน่าจะได้เห็นการต่อยอดไปใช้ในธุรกิจอสังหาริมทรัพย์ได้อีกมากเลยทีเดียว



4. ตัวจริงจากวงการ Startup ไทยไปร่วมงาน


เราได้เห็นหลายบริษัทที่อาจจะมีเงินแล้วก็ทุ่มลงไปทำอะไรที่ตัวเองไม่ถนัดแล้วสุดท้ายก็ไปไม่รอด เหตุผลคือขาดคนที่เข้าใจในสิ่งที่กำลังทำอยู่จริง ซึ่งกรณีของ Siri Venture นี้น่าสนใจที่หัวเรือใหญ่โครงการ คือพี่ไวท์ à¸Šà¸²à¸„ริต จันทร์รุ่งสกุล นี่เอง

เผื่อใครไม่รู้จัก พี่ไวท์เป็นผู้ก่อตั้งบริษัท FireOneOne พัฒนาโซลูชันสำหรับองค์กรขนาดใหญ่หลายแห่ง เช่น SCG, ปตท. รวมถึง แสนสิริด้วย เป็นคณะกรรมการโครงการ Startup มากมายในไทย

ถ้าจะบอกว่า "ตัวจริง" ในวงการ Startup ไทยมีอยู่ไม่กี่คน ก็ต้องบอกว่าพี่ไวท์คือหนึ่งในนั้นแน่นอน


:: สรุป ::


โดยสรุปแล้ว ผมว่าเป็นเรื่องน่าสนใจทีเดียวว่าเราจะได้เห็นอะไรสนุกๆ จากโปรเจ็ค Siri Venture หลังจากนี้ต่อไป โลกออนไลน์ 4.0 นี้หลายธุรกิจที่ปรับตัวไม่ทันก็อาจจะถูกกลืนและจางหายไป แต่ถ้าใครจับทิศทางได้ทัน กล้าเริ่มกล้าลุย

ไม่แน่ว่าเราอาจจะได้เห็นผู้สร้างนวัตกรรมใหม่ๆ ให้กับเมืองไทยหลังจากนี้ก็ได้



          OCC Has Banking Sandbox-Like 'Pilot' for Fintechs in the Works        
The banking regulator's chief counsel gave her thoughts on the pilot program at the ABA's annual meeting Thursday.
       

          If OCC Charter Case Is Dismissed, State Regulators Will Likely Sue Again, Say Fintech Attorneys        
A group of state banking regulators may very well come back for another attack on the OCC and its fintech charter, even if the initial case is dismissed.
       

          Fintech Roundup: New LabCFTC Director, Bank Regulator's Fintech Warnings        
Summer can be a slow time-but not for fintech companies and the agencies that regulate them.
       

          INV Fintech Partners with Shanghai-based Venture Fund JadeValue        
INV Fintech, this site’s sister accelerator, announced a partnership today with Shanghai-based JadeValue, an incubator and investment fund, to enhance financial technology startups in both the United States and China. INV startups will be introduced to JadeValue for investment and introduction to the Chinese market through JadeValue or its parent company, CashBUS, a Shanghai-based personal lender. INV, […]
          INV Fintech Unveils Its Third Class of Startups        
INV Fintech, the sister accelerator to this site, announced its third cohort of startups today. The five companies were chosen from among a wide array of applications from across the globe. Here are the five companies of Class 3 of INV Fintech: CoverHero is an intelligent insurance roboadvisor that helps users manage, understand, and buy […]
          Fiserv CEO Jeff Yabuki to Speak at Bank Innovation 2017        
Fiserv CEO Jeff Yabuki has joined the speaker faculty of Bank Innovation 2017, taking place March 6-7 in San Jose. Yabuki joined Fiserv in 2005. Under his leadership, the company has grown revenue to exceed $5 billion annually, and serves more than 13,000 institutional clients. Fiserv also supports this site’s sister accelerator, INV Fintech, as […]
          Meet the New Technologies Demoing at Bank Innovation 2017        
Companies from a wide range of fintech are finalists in the demo contest at Bank Innovation 2017, the event announced today. The finalists were chosen from applicants from around the world. A total of 12 companies will demo at Bank Innovation. The winning startup will be named Best in Show. Meet the DEMOvation finalists for […]
          Fiserv, SapientNitro, Kasisto Sponsor Bank Innovation ’17        
Fiserv, a leading banking technology company, has signed on as the headline Diamond sponsor of Bank Innovation 2017. Bank Innovation 2017 is this blog’s annual gathering on ideas and opportunities in fintech. The sixth annual Bank Innovation will take place March 6-7 in Silicon Valley, at the Glasshouse in San Jose, Calif. Fiserv provides banking […]
          Application Period Opens for Second INV Fintech Accelerator Class        
Calling all fintech startups — today marks the opening of the application period for the second class of INV Fintech, a global accelerator operated by Bank Innovation and Fiserv. Interested startups can apply here. The application period will close Friday, September 9. INV, which launched in January, is the first non-geographically specific fintech accelerator, open […]
          Navy Federal Credit Union Joins Bank Innovation INV        
Bank Innovation INV today announces the addition of Navy Federal Credit Union as a member of Bank Innovation INV, the revolutionary fintech accelerator. INV, which was launched in January, is the first non-geographically specific fintech accelerator open to startups from anywhere in the world. Navy Federal joins Fiserv, Bank Innovation, U.S. Bank, Cross River Bank and other […]
          Comment on 5 Reasons Why Customer Experience is the Next Big Thing for Fintech by 2017 Customer Experience Predictions – SaleMove Blog        
[…] will continue to innovate into the next year and beyond. Here are a few predictions on where we see customer experience moving in […]
          Searching for the future leaders in Digital Tech; Call for Applications for 2014 Digital Tech Summit held in London, April 23-24, 2014: Deadline February 16        

Tech Tour and the International Venture Club announced today that the 2014 Digital Tech Summit to be held in London on April 23-24 is open for company applications. Companies in the sectors of Gaming, Search, Fintech, Security, Electronics, Entertainment, Cloud, DaaS, Mobility, Big Data, SaaS, Cloud Software, Mobile Media, Intelligence, e-Finance, e-Advertising, e-Commerce, Infrastructure and more are invited to apply by February 16, 2014.

(PRWeb December 18, 2013)

Read the full story at http://www.prweb.com/releases/2013/12/prweb11432618.htm


          FINRA Launches Innovation Outreach Initiative        

Blockchain Symposium to Take Place in NYC on July 13

WASHINGTON — The Financial Industry Regulatory Authority (FINRA) announced today that it has established an Innovation Outreach Initiative to foster an ongoing dialogue with the securities industry that will help FINRA better understand financial technology (fintech) innovations and their impact on the industry.


          Federal Circuit finds credit reporting patent ineligible; calls it the “height of abstraction”        
A recent Federal Circuit decision illustrates the high eligibility hurdles that fintech software patents continue to face in view of the Supreme Court’s 2014 Alice v CLS Bank decision. In Clarilogic, Inc. v. FormFree Holdings Corp. (Fed. Cir. Mar. 15, 2017), the … Continue reading
          Catat! Proses Cepat hingga Bunga per Bulan Jadi Daya Tarik Fintech        
Kecepatan proses administrasi sampai penerapan aturan bunga per bulan adalah keuntungan yang diberikan oleh fintech.
          Cybersecurity hampers bank fintech collaborations        
Cybersecurity hampers bank fintech collaborations
Institutions facing a compliance quagmire

          10 Most Innovative CEOs in Banking 2015        
2015 has been a busy year in fintech. New mobile payments methods appeared on our phones; investing became easier and cheaper for millennials (who may finally have money to invest); Square went public; money continued to pour into fintech startups; and every other word we have heard is “blockchain.” But, in retrospect, the most significant fintech development […]
          Exchange of fintech know-how planned with China        
Swiss banking representatives joined Finance Minister Ueli Maurer in a tour across Asia this past week, which included visits to ministries and authorities, state institutions as well as financial players. Maurer’s talks in China notably centred on the best frameworks and conditions to support innovation in the financial sector for bilateral investments as well as financial services. In an interview with the China Global Television Network (CGTN), Maurer said that Switzerland aims to strengthen financial links with China by expanding financial markets and the exchange of fintech (financial technology) expertise. "Over the past three years, we have had a regular financial dialogue with China and we will continue this exchange with concrete projects related to financing and investment, such as One Belt One Road. We are interested in cooperation with China in the areas of fintech and banking supervision," said Maurer. Deeper financial links According to the Chinese paper Global ...
          Fintech Company Infographic: UK Pensions Map        
So-called robo adviser, True Potential, provides DIY investment portfolios. The company has developed an app that lets you effectively manage your investments better. The fintech company has created the infographic[...]
          Fed study finds expanded credit access resulting from fintech lending        
A new research paper released by the Federal Reserve Bank of Philadelphia found that fintech lending has expanded consumers’ ability to access credit.  The paper, “Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information,” used account-level data provided by a large fintech lender to “explore the advantages/disadvantages” of loans made by such lender “and similar... Continue Reading…
          OCC files renewed motion to dismiss state regulators’ challenge to fintech company special purpose national bank charter proposal        
The Office of the Comptroller of the Currency (OCC) has filed a renewed motion to dismiss the lawsuit filed by the Conference of State Bank Supervisors (CSBS) in D.C. federal district court challenging the OCC’s authority to grant special purpose national bank (SPNB) charters to fintech companies.  The OCC had filed the motion several days... Continue Reading…
          Badanie: 2 miliony konsumentek poza zasięgiem branży online        
Co trzecia Polka między 45. a 70. rokiem życia jest wykluczona cyfrowo i pozostaje poza zasięgiem Polskiej branży fintech i e-commerce. Około 1,6 miliona takich kobiet określa swoje umiejętności w zakresie zakupów online jako niskie lub wręcz bardzo niskie. Podobna liczba tak samo negatywnie ocenia własną zdolność do korzystania z usług finansowych i bankowości przez internet.
          Heckyl wins Government of Ontario’s Next Big Idea 2016 contest        
Heckyl Technologies, a leading fintech company, is crowned as one the winners of the fourth edition of the Next Big Idea […]
          Rise Accelerator Cohort Launch        
India’s first fintech-focused accelerator programme, Rise Accelerator has announced its first cohort, including 10 fintech startups. During the 18-week programme, […]
          Barclays Hackathon        
Barclays Bank, Ace Hackers & Zone Startups India came together to conduct the largest FinTech themed hackathon in India on […]
          FinTech - Have you heard of NEO "the Chinese rthereum"? Well it's up 13000% this year, Bitcoin exchange operator sued in Singapore, Robot takeover postponed as quant funds flattened in equities        
Have you heard of NEO "the Chinese rthereum"? Well it's up 13000% this year From Linkedin.com: China is the world's largest market for FinTech by far. But up to this point, it is yet to have a domestic cryptocurrency reach to heights like Bitcoin (BTC) or Ethereum (ETH). That's ab...
Article link
          Prepaid Card and P2P Payment Provider, Cascade Fintech, Signs 3-Year Contract for AU10TIX ID Authentication & Onboarding Automation        

US prepaid card and P2P payment services provider Cascade Financial Technology Corp has signed a 3-year contract to power customer onboarding and KYC with 2nd generation ID authentication and onboarding automation. AU10TIX Secure Customer onboarding (SCO) cloud service that already powers major players across financial services markets, is known not only to increase KYC robustness and fraud protection but also improve customer conversion success chances and operating efficiency.

(PRWeb July 18, 2017)

Read the full story at http://www.prweb.com/releases/2017/07/prweb14505936.htm


          AU10TIX is Finalist at the 2017 Benzinga Global Fintech Awards        

AU10TIX has been announced as a finalist for the Benzinga Global Fintech award "Best RegTech Platform" category. AU10TIX has already been nominated to 3 awards in the first 3 months of 2017 for its standard-setting 2nd-generation Secure Customer Onboarding platform which automates KYC and onboarding initiation.

(PRWeb April 28, 2017)

Read the full story at http://www.prweb.com/releases/2017/04/prweb14285056.htm


          AU10TIX Teams Up with Startupbootcamp FinTech Accelerator Program to Support FinTech Startups        

AU10TIX will support Startupbootcamp FinTech startups with online ID authentication, technical support and mentoring services. With AU10TIX 2nd generation ID authentication and onboarding automation Startupbootcamp FinTech startups can enhance fraud prevention and operating efficiency, putting them in a strong competitive position in today's fast-paced financial market.

(PRWeb November 18, 2016)

Read the full story at http://www.prweb.com/releases/2016/11/prweb13852148.htm


          AU10TIX Rated by LetsTalkPayments Amongst Tech-Talent Turbocharging International FinTech        

Recent LTP article lists AU10TIX as one of “Startup nation’s” global FinTech turbochargers. AU10TIX is the forerunner on 2nd generation Secure Customer Onboarding (SCO) technology, automating customer ID document authentication and fast-tracking onboarding.

(PRWeb February 09, 2016)

Read the full story at http://www.prweb.com/releases/2016/02/prweb13203595.htm


          Blockchain pilot Torch selected as a finalist for the NRC Live Fintech Impact Award        
Torch has been selected as one of eight finalists for the NRC Live Fintech Impact Award. The Impact Award is NRC Live’s challenge to the financial sector to pursue innovation.
          Challenge banking as you know it!        
Without a doubt, banking as we know it will go through radical changes in the future. Rapidly developing technology, challengers, shifting customer demands and new regulation will all drive the sector forward. During a three-day programme, relevant developments from inside and outside the financial sector will be discussed. With inspiring key-note speeches, workshops led by renowned experts, and a 48-hour hackathon, ABN AMRO is challenging you to come get inspired. Share your vision and ideas with bankers, fintechs, supervisors, clients, students, geeks, stakeholder organisations, NGOs and other interested parties.
          8月10日(木)のつぶやき その1        

数字記号混じりのパスワードが安全と世に広めた人、破りにくいパスワード作りの方法見誤ったと認める。「Tr0ub4dor&3」なら3日で破れが「CorrectHorseBatteryStaple」は550年かかる。
でもこの記事広ま… twitter.com/i/web/status/8…

— Nobi Hayashi 林信行 (@nobi) 2017年8月9日 - 14:49

記事はまだ読んでませんが、このヘッドラインを見る限り、フィリピンでは銀行が脅かされるほど、大衆のビットコインの受け入れが急激に進んでいるといった様相ですね。goo.gl/jiVjde pic.twitter.com/WMxGZWzVLI

— T.Kamada (@Kamada3) 2017年8月9日 - 23:45

これは、かなりのビッグニュースですね。こうなってくるとICOがより一般的な投資対象として定着してくるのも時間の問題でしょうか。
私たちはこのビッグウェーブをより大きな波に成長させるために積極的に参加するだけで良さそうですね。 twitter.com/takaoasayama/s…

— クリプト親方@暗号通貨 (@CPoyakata) 2017年8月9日 - 23:16

DasCapitalで世界中の仮想通貨取引所や仮想通貨プレイヤーと話ししてますが、みんな自分たちはICO するからVCから資金調達しないでいいって言ってますよ。これが未来の姿です。

— SHINJI KIMURA (@shinzizm2) 2017年8月9日 - 20:54

一方でSegwit2xのようなやり方は、招待された人だけの会議で仕様を決定し、それにしたがってコードを書くひとが雇われ、それを採用することを約束するといったもの。ビジネス・会社内のやり方としては妥当だけれど、オープンソースのやり方… twitter.com/i/web/status/8…

— Tetsu UASF 大石哲之 (@tyk97) 2017年8月10日 - 01:50

ビットコインが伸びるのは、人が人に渡すというネットワークエフェクトなんですよ。そう言う意味で、BCH,ETH,LTCを比べてみるといいです。

— SHINJI KIMURA (@shinzizm2) 2017年8月10日 - 01:21

改修したい提案があると、提案をして、コードを書く。それを1人以上がレビューして、テストを設計して動くことが確認されて、十分に良いと思われ開発者の広い支持が得られた場合に、コミット権がある人(リードメンテナー)が本体にマージする。 twitter.com/tyk97/status/8…

— Tetsu UASF 大石哲之 (@tyk97) 2017年8月10日 - 01:48

さっきスーパーで5歳児ぐらいの女の子が『お母さん私、一度やってみたいことがある』て言いだして、『私キュウリを生で食べてみたいな〜』て伝えたらお母さんが『実は今まで食べてたキュウリ、なんと!生なんです!』て言ったら子供が『えー!ウッソー!やったー!』てなってた。優しい世界過ぎる。

— 元東西線 (@odakyusendayo) 2017年8月8日 - 18:26

COMSA JAPAN に参加!
ロム専だけど勉強になる!
t.me/comsajapan

— あかね🔗NEM (@XEM0807) 2017年8月10日 - 01:41

テクノロジーの出自として、webと違って早い段階からお金の匂いがプンプンしちゃってる。色々コンセンサス取るの失敗しつつも前進してて、ドラマチックだよねー twitter.com/adwarf/status/…

— 有安 伸宏 (@ariyasu) 2017年8月3日 - 08:37

ビットコイン界隈の何が面白いって、究極のリバタリアンみたいなベースの上で欲望や感情の渦が乗っかってすごい人間くさいところ。かつ、いまのところ崩れることなく絶妙なところで皆で前進してるのが、ロックであり、ロマンであり、マジック。

— naoko (@adwarf) 2017年8月3日 - 08:32

サクッとまとめ。COMSAはすごいことになるかもね。/ COMSAのトークンセールに、大手ベンチャーキャピタルが投資するかも! : まだ東京で消耗してるの? bit.ly/2wt55qc pic.twitter.com/ivxC2iqctG

— イケダハヤト (@IHayato) 2017年8月9日 - 19:22

ICOは注目を浴びて来ていますが、一方で誤解も多いようです。
m.newspicks.com/news/2423271/

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月10日 - 07:32

COMSAのロシア語Telegramチャットが1,000人を突破しました。
t.me/comsa_ru
日本語チャットは1,000人目前です。
t.me/comsajapan

— COMSA (@comsadotio) 2017年8月10日 - 07:41

ちょっと木ノ内さん、何を訳の分からない記事を書いているんですか、これ。間違いだらけで訂正記事ものです。

致命的なのが、「トークンや仮想通貨には分配金(株式の配当に相当)の支払いを受ける権利が付く...
npx.me/NLu0/17OOa #NewsPicks

— 増島雅和/Masa_Masujima (@hakusansai) 2017年8月10日 - 06:20

クラシックとロックの例えがわかりやすい笑 / フィスコが10億円、ほかVC2社が仮想通貨とCOMSAのICOトークンへ直接投資を開始 – TechCrunch Japan jp.techcrunch.com/2017/08/10/com…

— Katsuaki Sato (佐藤航陽) (@ka2aki86) 2017年8月10日 - 11:05

ちなみに、一つ前のツイートのリンク先で日経記事に対して発言されている増島雅和弁護士は、COMSAのリーガルアドバイザーです。 #BCCC のアドバイザーも務めていただいている仮想通貨やフィンテック関係の法律面のエキスパートです。著書 amazon.co.jp/FinTech%E3%81%…

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月10日 - 08:37

既に株主のテックビューロへの追加出資を発表しました。同社には複数の企業が出資されていることもあり、出資金額、比率とも非公開です。同社製品やサービスとのシナジー効果を一層高め #インフォテリア のブロックチェーン関係事業を加速します。infoteria.com/jp/news/press/…

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月10日 - 15:35

開始です!
仮想通貨取引所のコインチェック、Fintechスタートアップへの投資を開始 – TechCrunch Japan jp.techcrunch.com/2017/08/10/coi…

— 和田 晃一良 (@wadakooo) 2017年8月10日 - 12:07

完全に日本がリーダーですね pic.twitter.com/1PlNwQk3q3

— SHINJI KIMURA (@shinzizm2) 2017年8月10日 - 10:07

#インフォテリア の第1四半期決算(IFRS)を発表しました。売上高は前年同期比2倍強、営業利益は前年同期比7倍強、当期利益は前年同期比6倍強と、大幅増収、大幅増益となりました。詳しくは決算短信(PDF↓)をご覧ください。
infoteria.com/jp/wp-content/…

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月10日 - 15:27

Coincheckと一緒にブロックチェーン/仮想通貨市場創り出していきましょう。
私たちの3年間蓄積した知恵と資金を活用してください。気軽にご連絡ください。
coincheck.fund@coincheck.com

— YusukeOtsuka (@yusuke_56) 2017年8月10日 - 10:58

もう、これだけmijinの力見せつけられて、しかも10月からサービスインっていうスピード感には、1から決済システム作ったろうという気失せますよね。テックビューロはバケモンですか?
というわけで、私はXEMBook のサービス向上にコツコツ努力していきます。

以上、ポエムでした。

— XEMBook (@xembook) 2017年8月10日 - 00:24

取引所コインチェック、仮想通貨ベンチャーを支援:日本経済新聞 nikkei.com/article/DGXLAS…

— YusukeOtsuka (@yusuke_56) 2017年8月10日 - 10:56

インフォテリア、さくらインターネット、フィスコ、ネクスグループ、ロックオン、リミックスポイントがプラス推移。
メタップス、カイカ、マネパ、セレス、アイリッジ、プレミアムウォーターはこれから?

ICO時代の幕開け COMSA関連銘柄
investing.blog.jp/archives/31851…

— 株トレジャー (@kabutreasure) 2017年8月10日 - 14:11

スキャム臭すごい。

“仮想通貨の本命”とも呼ばれる新暗号通貨『ベネフィットクレジットコイン』が市場デビュー - SankeiBiz(サンケイビズ) sankeibiz.jp/smp/business/n…

— ほよよ(詐欺コインレーダー) (@uhohoiarale) 2017年8月10日 - 18:48

btc1(segwit2x)のレポジトリをみると、19日前で開発(コミット)がとまってる。今後も進まないんじゃ???
こんな開発チームのビットコインにあなたの持ってるビットコインを強制的に替えたいですか?Segwit2xは無視しましょう。再びユーザーの声をあげましょう。

— Tetsu UASF 大石哲之 (@tyk97) 2017年8月10日 - 17:16

AIのゲームプレイの動きが人間とは全然違くてちょっと恐かった笑 / 深層強化学習をベースとしたAIトレードの検討〈準備編〉 metaps.com//press/ja/blog…

— Katsuaki Sato (佐藤航陽) (@ka2aki86) 2017年8月10日 - 17:53

仮想通貨の取引額は、韓国か、日本が競り合ってます。

ビットフライヤーがトップを競い合ってますね。 pic.twitter.com/MTYtwkLlWG

— SHINJI KIMURA (@shinzizm2) 2017年8月10日 - 17:24

ブロックチェーン開発はマラソン、長期的利益を追え:伊藤穰一、松尾真一郎氏らが警鐘 shar.es/1TVMnZ @DIGIDAYJAPANより

— ほよよ(詐欺コインレーダー) (@uhohoiarale) 2017年8月10日 - 18:11
          8月9日(æ°´)のつぶやき その1        

超速報:SegWitが無事ロックインされました。
#ビットコイン #Bitcoin #仮想通貨 #ブロックチェーン #フィンテック $BTC #SegWit #SegWit2x pic.twitter.com/FxSE7O9qXt

— 墨汁うまい(BokujyuUmai) (@bokujyuumai) 2017年8月9日 - 03:56

ブログを更新しました。「1000ドルのトレード手法を無料で手に入れる方法」goo.gl/avxdL5 14分ほどの動画です。 pic.twitter.com/ml9bkju2XR

— T.Kamada (@Kamada3) 2017年8月9日 - 05:19

見境ないな… 世の中のために通報しておこう… twitter.com/comsadotio/sta…

— 禍タヌ神 (@GodTanu) 2017年8月9日 - 05:28

スタートアップは市場の選択と、戦略の選択がほぼ全て。あとは市場の成長スピードについて行けさえすれば、自然と事業は伸び、会社も大きくなり、自身も成長する。創業2年目まではピンとこなかったけど、いまならわかる。SmartHRの市場選択はホントにラッキー。

— 宮田 昇始 (@miyasho88) 2017年8月9日 - 01:23

ビットコイン、SegWitアクティベーションが確定 価格は一時40万円に到達 - btcnews.jp/15y251od12086/ #ビットコイン pic.twitter.com/bTTr9Anebz

— ビットコインニュースBTCN (@btcnews_jp) 2017年8月9日 - 12:32

部署の垣根を超えて、社員がオープンに交流することを重視したオフィスにしました。多くの社員が、ちょっとした時間にに歩き、語ることで、コラボレーションが生まれ、イノベーションが起きると信じています。>【祝】コインチェックの新オフィス!… twitter.com/i/web/status/8…

— YusukeOtsuka (@yusuke_56) 2017年8月9日 - 14:00

世界から見ると日本だけ本当に時間が止まってるんだよね、末期症状。現状維持を望む人達は、せめて新しい変化を作ろうとする人達の邪魔だけはしないで欲しい。互いに干渉せずに並存できるはず。 / 日本の先進国陥落...
npx.me/DgXP/Xnu1 #NewsPicks

— Katsuaki Sato (佐藤航陽) (@ka2aki86) 2017年8月9日 - 15:18

【感謝】

#書道
#ぺんてる
#金の穂
#画用紙 pic.twitter.com/5PdqbTtYta

— 書道家 晃鳳(KOHO) (@koho5040) 2017年8月9日 - 11:55

今夜加納さんがBSJapanのNikkei Plus10に生出演します!お題は「ビットコイン分裂の影響は」。
6/14に続いての出演です。また小谷さんにお会いできるのが楽しみ♥ (便乗してスタジオへ!)
bs-j.co.jp/plus10/
#Nikkeiplus10

— 金光碧 (@KanemitsuMidori) 2017年8月9日 - 09:49

今日、東京は猛暑日☀️
#インフォテリア では、テレワーク推奨!朝5時半に、インフォテリアが運営するLINEアカウント「テレワークしよう!」からメッセージが届きました。 pic.twitter.com/znWaECQU8e

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月9日 - 11:54

そしてCOMSA にBTC:mijinなどのトークンを準備しておけば1秒もかからずBTCペグ決済も可能なはず。これはクローズドな経済圏を持ったリアル店舗では必須機能になるでしょう。

— XEMBook (@xembook) 2017年8月9日 - 09:08

国内外沢山の企業から、ICOのご相談を頂いてます。

— SHINJI KIMURA (@shinzizm2) 2017年8月9日 - 10:33

mijinニュースで何故XEM が上がるのか不思議な人もいると思いますが、COMSA HUBの発表で明らかになりましたね。
mijin上で流通したトークンとXEM とペグしたトークンとの取引所をCOMSA上で展開することで、実質的な価値を持たせることができそうです。

— XEMBook (@xembook) 2017年8月9日 - 09:00

最新レポート。Samson Mow氏の見解を紹介。
要約すると「SegWit2x(btc1)はなかったことなりそう」。

感想。
SegWit2xはUASF回避策として現実的な妥協案だった。
Bitcoin Cashはビックブロッ… twitter.com/i/web/status/8…

— 星 暁雄 (@AkioHoshi) 2017年8月9日 - 10:41

COMSAにはプレトークンというものは存在しませんので、皆様もご注意下さいますようよろしくお願い致します。 twitter.com/marionkei234/s…

— COMSA (@comsadotio) 2017年8月9日 - 07:14

[ITpro] 課題山積みのブロックチェーン、専門家が語る未来予想図 dlvr.it/PcmhWK pic.twitter.com/t0bTmbj9q8

— bitpress(ビットプレス) (@bitpress) 2017年8月9日 - 12:33

MIT Tech Review: ブロックチェーンはどう進化するか?伊藤穣一氏らが予測する未来 technologyreview.jp/s/51561/the-ne…

— ほよよ(詐欺コインレーダー) (@uhohoiarale) 2017年8月9日 - 13:07

村式、ブロックチェーン技術を活用した国際間取引プラットフォーム「&go」提供開始 dlvr.it/PclBMc pic.twitter.com/417YBM9iAf

— bitpress(ビットプレス) (@bitpress) 2017年8月9日 - 09:04

おやおや、Rippleとは関係ないんだ。→村式、ブロックチェーン技術を活用した国際間取引プラットフォーム「&go」提供開始 - BITPRESS(ビットプレス) bitpress.jp/news/fintech/e… @bitpress さんから

— マタドール (@FXtradenote) 2017年8月9日 - 16:21

さらに期待したいのはCOMSAを通じてNEMに多くの技術者が触れること。

BTCアプリ開発で1万程度GOXした私が言うから間違いありません。NEMアプリ開発はラクで、そして何より楽しいです。

最低でもBTCは必要という、ストレスをCOMSAが払拭してくれることを願います。

— XEMBook (@xembook) 2017年8月9日 - 14:39

マイナーは2MBハードフォークを行わないことに絶対納得はしないだろうから争いになることは確実そうですね twitter.com/AkioHoshi/stat…

— 和田 晃一良 (@wadakooo) 2017年8月9日 - 12:23

$FXBTCJPY、1時間足。-2σでサポートされて反発するのかと思っていたら、下方ブレイクしてしまった・・。 chart jp.tradingview.com/x/9Yvsc0ao/ via tradingview.com

— マタドール (@FXtradenote) 2017年8月9日 - 20:00

$FXBTCJPY、4hBM。日足+2σ&4hセンターラインを割り込んでしまった。4h-2σまで行くのか? chart jp.tradingview.com/x/1ESaQIUR/ via tradingview.com

— マタドール (@FXtradenote) 2017年8月9日 - 20:02

インフォテリアのASTERIAシリーズが11年連続市場シェアNo.1!!
つなぐニーズはさらに拡大しています。
infoteria.com/jp/news/press/…

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月9日 - 17:57

今日は、ICO協議会の予備会が開催されました。中央による信頼に頼らない、新たなデジタル化された価値の、交換、流通を可能とするトークン・エコノミーの健全な成長に寄与して行きたいと考えています。 #インフォテリア pic.twitter.com/YHH7XUcdnB

— Pina Hirano (平野洋一郎) (@pinahirano) 2017年8月9日 - 18:03

台風第5号の歩み.
日本付近版.7月21日9時に発生した台風第5号は,18日18時間の旅を経て8月9日3時に温帯低気圧化.7月30日21時頃から開眼して眼が大きくなっていく様子がわかります.迷走台風などと言われながらも結局日本に来… twitter.com/i/web/status/8…

— 荒木健太郎 (@arakencloud) 2017年8月9日 - 18:10

本日4時頃、無事にsegwitがロックインしました。これにてsegwit導入はホントに確定しました。
segwitは次の難易度調整期間終了後(21日頃)から実際に利用できるようになります

— Tetsu UASF 大石哲之 (@tyk97) 2017年8月9日 - 12:26

テックビューロ出てますよ。

VCなど3社、仮想通貨使う資金調達に投資:日本経済新聞 nikkei.com/article/DGXLAS…

— ほよよ(詐欺コインレーダー) (@uhohoiarale) 2017年8月9日 - 19:31

日本で、VCが仮想通貨やICOトークンに直接投資するのは当然初のこととなります。これからもCOMSAをよろしくお願いいたします。 twitter.com/comsadotio/sta…

— Takao Asayama 🔗 朝山貴生 (@TakaoAsayama) 2017年8月9日 - 19:06

日本人の礼儀正しさは逆に、このような卑劣な国内宣伝に悪用される。ここから得た教訓の一つはすなわち、彼らには礼儀なんかがまったくの無用、とのことだ。日本のやくざでも礼儀を弁えているが、中華人民共和国はただの野蛮国家である。sankei.com/world/news/170…

— 石平太郎 (@liyonyon) 2017年8月9日 - 06:57
          8月7日(月)のつぶやき その2        

$FXBTCJPY、1時間足。センターラインが押し目になるのかどうか。 chart jp.tradingview.com/x/KF8V6kw6/ via tradingview.com

— マタドール (@FXtradenote) 2017年8月7日 - 09:21

$FXBTCJPY、4hBM。週足+2σの攻防になっているのだが、落ちないから、そのうちブレイクするのだろう。 chart jp.tradingview.com/x/aiZdPwbZ/ via tradingview.com

— マタドール (@FXtradenote) 2017年8月7日 - 09:22

いや、そうとも限らないか・・。7月下旬には日足+2σにトライしていたが、結局、反落した。

— マタドール (@FXtradenote) 2017年8月7日 - 09:23

メタップス、週足。
kabutan.jp/stock/chart?co…

7月中旬に上方ブレイクしたのだが、またセンターラインまで戻ってしまった。絶好の押し目と見るが・・。 pic.twitter.com/jGLezKgbj6

— マタドール (@FXtradenote) 2017年8月7日 - 09:29

AI、ブロックチェーン、ビッグデータ、金融、・・いろんな先端分野に深く鋭く突っ込んでいて、これほど面白い会社は無いと思う。世の中を変えて行くんだという強い志がステキだ。とても楽しみ。その上、チャートがしびれるほど魅力的。

— マタドール (@FXtradenote) 2017年8月7日 - 09:36

インフォテリア、日足。
kabutan.jp/stock/chart?co…

ブロックチェーン本命。リミックスポイントを煽る人が多くて、ちょうど同じような株価になっているが、インフォテリアの方が正当に強くなると思う。 pic.twitter.com/Vk2WtiuY7C

— マタドール (@FXtradenote) 2017年8月7日 - 09:41

フィックスターズ、週足。
kabutan.jp/stock/chart?co…

量子コンピュータ関連で注目を浴びたが、ずっと業績は伸び続けているし、配当もしっかりしている。上場来高値を更新して行っても不思議はない。 pic.twitter.com/HdEGTNiESU

— マタドール (@FXtradenote) 2017年8月7日 - 09:50

$ETHUSD ピョコンと出て来たよ pic.twitter.com/Hv7pJLfvlN

— トレスト☠テクニカルアオリスト (@TrendStream) 2017年8月7日 - 09:46

$XEM まだ雲の中、シグナルもまだ。でも今の形は買い時として悪くないかも。 pic.twitter.com/Ft10WXJyAB

— トレスト☠テクニカルアオリスト (@TrendStream) 2017年8月7日 - 09:39

原油価格、ヘッジファンドを味方に付ける-変動しつつ50ドルに近づく bloom.bg/2ueGbsM pic.twitter.com/mNVnKrJTbe

— ブルームバーグニュース日本語版 (@BloombergJapan) 2017年8月7日 - 09:45

気がつけばFinTech 日常に浸透、スマホ世代が支持:日本経済新聞 nikkei.com/article/DGXKZO…

— わりかんアプリ paymo(ペイモ) (@paymo_life) 2017年8月7日 - 09:23

おもろい。
国内取引所使ってたらバッチリマークされてるんだろうな。

freee.co.jp/special/kakute…

— mineCC (@ETHxCC) 2017年8月7日 - 09:42

$FXBTCJPY、1時間足。-2σをトライしそうだ。が、割れることはないだろう。 chart jp.tradingview.com/x/kJZ5oazR/ via tradingview.com

— マタドール (@FXtradenote) 2017年8月7日 - 10:29

伊藤穰一さんがブロックチェーン関連技術のレイヤー化(多層プロトコル化)の必要性を語っています。これ重要。
itpro.nikkeibp.co.jp/atcl/column/17…

— Cojee (@CojeeMobile) 2017年8月7日 - 09:56

ユーロドル、15mBM。きれいな下降フラッグだと思うが・・。1hセンターラインが急降下して来ている。 pic.twitter.com/htHX2W3KUq

— マタドール (@FXtradenote) 2017年8月7日 - 10:35

31歳で2.6億円 試行錯誤5年、中小型株投資が開花 : NIKKEI STYLE style.nikkei.com/article/DGXMZO…

— 株式情報市場 (@yuria2122) 2017年8月7日 - 10:33

世界中で相次ぐICO取引、その秘められた可能性とは【アルトコイン評価ニュ... - invst.ly/4qdjg

— Investing Japan (@InvestingJapan) 2017年8月7日 - 10:33

多分実際どこもやらないんだろうけど、もしちゃんと取引に係る税についての情報を丁寧に示してくれればみんなからの信頼が幾らか厚くなると思うんだけど…

(カスタマーサポートの一環)

#coincheck #bitFlyer… twitter.com/i/web/status/8…

— mineCC (@ETHxCC) 2017年8月7日 - 10:32

「超一流になるためには1万時間の練習が必要」は真実か? gqjapan.jp/culture/sports… @GQJAPANさんから

— マタドール (@FXtradenote) 2017年8月7日 - 11:45

星がどのように形成されるかに関する科学界の通説に疑問を投げかける「驚くべき」発見。afpbb.com/articles/-/313…

— AFPBB News (@afpbbcom) 2017年8月7日 - 00:01

ユーロドル、15mBM。1hセンターラインタッチ。さて、どうなるか。 pic.twitter.com/CjbaT5Cb4y

— マタドール (@FXtradenote) 2017年8月7日 - 12:46

豪雨レーダ(tenki.jp/map/)も、激しい雨を降らせている台風のようすを捉えています。午後も大雨や暴風に十分警戒してください! pic.twitter.com/q1EcAq0T3u

— tenki.jp (@tenkijp) 2017年8月7日 - 12:44

こちらの方の記事を読むと随分とトーンが異なります。。。

終わりの始まりなどとGIZMODO USは言っていない|Take the 'A' Lane amaneken.blogspot.com/2017/08/gizmod…

— 大橋ひろこ (@hirokoFR) 2017年8月7日 - 12:44

「 #慰安婦 = #性奴隷 」広がる誤解 #中韓 など #記憶遺産 申請の英資料に「強制連行」なし 証言・写真も真正性欠く #日本 #韓国 #中国 zakzak.co.jp/soc/news/17080…

— zakzak (@zakdesk) 2017年8月7日 - 12:36

Poloniexが破産か? coinsforest.com/p/2516/ @coinsforestさんから

— 暗号通貨革命 (@cryptocurrency3) 2017年8月7日 - 12:40

【NEM価格が30円目前🔥】
NEMの価格が上昇中です。現在の価格¥28.5円(前日比+11.3%)
coincheck.com/ja/exchange #coincheck pic.twitter.com/kBkZDIuAv5

— Coincheck(コインチェック) (@coincheckjp) 2017年8月7日 - 11:36

メタップス。
shikiho.jp/tk/stock/info/…

暴力的なほど売上高倍増が連続している。そして、これは更に続く。ずっと赤字を叩いていたわけだが、今決算で、ついに黒字化する。しかも半端ない。 pic.twitter.com/BRacm6od1I

— マタドール (@FXtradenote) 2017年8月7日 - 13:37

今日から新宿マルイアネックスでビットコイン決済ができるようになりました!(今はbitFlyer Walletだけ)会見にたくさんのメディアがきてくださいました。
早速Billabongのキャップを買いましたYO #marui… twitter.com/i/web/status/8…

— 金光碧 (@KanemitsuMidori) 2017年8月7日 - 13:14

やり直しツイート…反省します。

segwitロックインは、日本時間で明後日8/9のAM3時〜4時の間の予想…!
しかし出勤前に作りシャンパンは飲めそうにない! pic.twitter.com/XjZF7OQWGn

— 笹森 樹 (@gelmanes) 2017年8月7日 - 13:40

BIG Japan、9/4に東京で「ブロックチェーン・カンファレンス Tokyo 2017」開催 dlvr.it/PcHzj0 pic.twitter.com/lY4hpYY8Ty

— bitpress(ビットプレス) (@bitpress) 2017年8月7日 - 13:15
          Multicloud environment drives blockchain, fintech, API adoption        
Multicloud computing is the great equalizer, as APIs and artificial intelligence allow developers to build apps that leverage services beyond their own sphere of expertise.
          LeapFrog invests US$25mn in AFB Mauritius Limited. A major new investment in the fintech space in Africa.        
LeapFrog Investments is investing US$25m in AFB Mauritius Limited (“afb”). afb is a disruptive financial technology platform that offers life-changing financial tools to financially-excluded consumers and small businesses in sub-Saharan Africa.  afb partners with mobile operators and retailers to reach this vast, untapped market. afb is growing rapidly, and already reaches some one million people […]
          CustomerTech        
We now have a better name for VRM than VRM: customertech. Hashtag, #customertech. We wouldn’t have it without adtech (3+million results), martech (1.85m) , fintech (22+m) and regtech (.6m), all of which became hot stuff in the years since we started ProjectVRM in 2006. Thanks to their popularity, customertech makes full sense of what VRM has always […]
          How to Understand Fashiontech and the $2.4 Trillion Fashion Industry        
Whenever an entire industry gets disrupted by 21st century technology, the tech gets a vague and all-encompassing title. We already saw “fintech” for the financial sector. Now, as the fashion world figures out how to handle new tech, we have fashiontech. So what does...
          After cutting through blue-collar jobs, how deep will tech bite into banking?        
Recent announcements in Belgium suggest that the predicted impact of FinTech on banking jobs is already well under way.
          FinTech : l’Autorité bancaire européenne perçoit un paysage fragmenté        
L'ABE voit la FinTech européenne comme un écosystème morcelé, en particulier sur le volet des réglementations, auxquelles échappent de nombreuses sociétés.
          Andreas Antonopoulos Mentors Plug and Play Bitcoin Startups        

Andreas Antonopoulos Mentors Plug and Play Bitcoin Startups Andreas Antonopoulos stopped by for an exclusive mentoring session with Plug and Play’s Bitcoin startups. With individual [...]

The post Andreas Antonopoulos Mentors Plug and Play Bitcoin Startups appeared first on FreeBTC Blog - News About Bitcoin.


          Bitcoin vs. The Federal Reserve – Andreas Antonopoulos and Stefan Molyneux        

Bitcoin vs. The Federal Reserve – Andreas Antonopoulos and Stefan Molyneux Stefan Molyneux and Andreas Antonopoulos discuss the fall of Mt. Gox, the greatly exaggerated [...]

The post Bitcoin vs. The Federal Reserve – Andreas Antonopoulos and Stefan Molyneux appeared first on FreeBTC Blog - News About Bitcoin.


          Companies Will Not Bring FinTech To The Third World – Andreas Antonopoulos        

Companies Will Not Bring FinTech To The Third World – Andreas Antonopoulos Andreas Antonopoulos explains why companies will not bring financial inclusion (FinTech) to developing [...]

The post Companies Will Not Bring FinTech To The Third World – Andreas Antonopoulos appeared first on FreeBTC Blog - News About Bitcoin.


          EB138 – Sergio Lerner: How RSK Will Bring Smart Contracts To Bitcoin        

EB138 – Sergio Lerner: How RSK Will Bring Smart Contracts To Bitcoin Security researcher and RSK co-founder Sergio Lerner joined us to discuss RSK (also [...]

The post EB138 – Sergio Lerner: How RSK Will Bring Smart Contracts To Bitcoin appeared first on FreeBTC Blog - News About Bitcoin.


          Zopa investors, we've written a review for you        

Hi @OrcaJord

Thanks:

  1. That is what I am hearing from other sources as well.

  2. Cross platform data would be interesting for borrowers and investors (eg APR and default rates). I appreciate this is hard as it requires some normalization across credit scores, duration etc. However I think both borrowers and investors want this kind of analysis for their decision-making.

  3. The global data is obviously only for investors, but it is a huge deal for them. Today only big global banks can easily decide on allocation to consumers in different markets.

If you can share this sort of data we can give it some air time on Daily Fintech.


          European Banking Authority FinTech Discussion Paper        

A very remarkable paper with some problems and weaknesses, still nice work altogether. One of my problems is that it underestimates the number of FinTech companies.
What do you think?


          Initial Coin Offering - What to make of this news?        

The below news on ICO - How big a blow is it to the Crypto fraternity?


          Will Zhong An follow the same post IPO trajectory as Lending Club?        

This will post tomorrow on Daily Fintech and discussion will direct here.

In December 2014 we hailed the Lending Club IPO as “the netscape moment for Fintech”. In February of this year, we described the rumoured Zhong An IPO as the Netscape moment for InsurTech.

The Lending Club trajectory, with the stock well below their IPO price, does not augur well for Zhong An. That is the question we address as investors start to think about the Zhong An IPO in Hong Kong.

We start with what we call our Wind Socket Analysis.

Wind Socket Analysis

The flight time from New York to London is about 7.5 hours, vs about 8.5 hours going the other way.

The one hour difference is due to tailwinds and headwinds. Whether you are on an Airbus or Boeing makes little difference. The Pilot cannot make much difference. Translated into company value, the market matters a lot more than the organisation or the management team. A base level is essential- don’t try flying the Atlantic in a small plane and don’t leave a transatlantic plane in the hands of an untrained pilot. In a crisis a great Pilot makes the difference. However all things being equal, what matters are tailwinds and headwinds.

Tailwinds for Zhong An

This is simple. China is a massive blue ocean market. A growing middle class is buying Insurance for the first time. It is a once in a lifetime land grab opportunity and the incumbents are not strong. Compare that to US or European Insurtech ventures selling to consumers who already have a lot of insurance from big, smart insurance companies.

Zhong An has a good plane & crew

You can see this tailwind in the numbers. ZhongAn offers more than 300 insurance products and has written more than 7.56 billion policies for more than 535 million customers. They are clearly executing well. Having raised $900m there is every reason to believe they will continue to do so.

Possible Headwinds

The Chinese economy is in transition, from manufacturing and export led to a more broadly diversified economy driven by consumption and higher value services. The bull case is this is like betting on America a century ago. China bears point to all kinds of issues, such as excess debt, non-performing loans and massive construction over building. If this is your view of the China economy you will avoid the Zhong An IPO. I incline to the bull case but there will be much volatility and there maybe a 1929 type event along the way in China. Nobody knows. Anybody who says they know probably has something to sell you.

Another issue, raised by a Fintech Genome member is about innovators dilemma faced by Ping An insurance, which is a major shareholder of Zhong An but may also could be a competitor down the road. As @EricForgy put it, writing from Hong Kong with a deep knowledge of the insurance business:

“As interesting as Zhong An is, I actually think Ping An is more interesting and is likely to have an even bigger impact on the rest of the world. I think Lufax is just the beginning of their outward expansion. Zhong An itself is struggling to make profit. If you note the numbers imply many small policies (per customer). They are trying to branch into more profitable lines of insurance, but as they do, they will start competing with their parent Ping An. I’m interested to see how that dynamic plays out. I think Ping An wins in terms of technology and Zhong An is no doubt using a lot of Ping An’s technology. Ping An is also trying to export a lot of their AI tech.”
The numbers that Eric Forgy refers to show rapid growth in revenue but declining profitability. Investors can take two different points of view on this:

Either: this shows the whole proposition is flawed.

Or: this is like Amazon and in a market opportunity as big as Insurance in China, it pays to invest for growth.

Which it is will be revealed by a deeper dive into the financials, which we do not have yet. If you have any insights, please share them on this thread on Fintech Genome.

Disruption from a supersonic plane.

All things being equal, headwinds and tailwinds drive value. But a new supersonic plane will change the outcome and that new plane may need a different type of pilot or at least some retraining. A supersonic plane will cut the NYLON journey time to about 3 hours. The equivalent of a supersonic plane in Insurance will be almost real time settlement using blockchain (which we covered many times, one example here).

Zhong An clearly sees this and is investing in Blockchain. So I do not expect Zhong An to be blindsided by blockchain. When both tech and regulation is ready, I expect Zhong An will be ready. The key is that both tech and regulation need to be ready - just like with supersonic planes. This is one area where I would be confident that Zhong An will get it right, because in China big connected companies and government work closely together.

The Lending Club trajectory since IPO

Lending Club did an IPO at $15, rocketed up past $20 and then crashed to an all time low of $3.51 (where I was fortunate enough to buy after posting this). It is now around $5.20. I sold my shares (Lending Club is still a great company, but valuation now is less compelling than other opportunities).

I did not invest in Lending Clun at IPO, because I had reservations at a fundamental level which I posted here. At $15 there was no room for error. At $3.51, the price implied that the whole model was dead and the team was incompetent, neither of which was true.

Many stocks never give you this opportunity. You never get a chance to buy in below the IPO price. Think of Facebook and Salesforce; the price goes down a bit occasionally but not for long.


          Why are iZettle (in Europe) and Square (in the USA) so successful?        

hi @Rod First re location, I am based in Bern, Switzerland, but I am going to be in NYC Wed this week and Mon-Wed next week. Where in USA will you be?

I agree, it is a complex onion. I am not a payments expert, I just think the switch to EMV and maybe NFC creates opportunity particularly while Bitcoin adoption is accelerating may change the game, a theme I explored a few years ago here:

The CC networks are very powerful at stopping change, but crypto also looks like an unstoppable force. Interesting times!


          China Insurtech and Zhong An        

hi @zarc @EricForgy I have a post scheduled on Daily Fintech for Thursday on Zhong An. I will cross post it here on Fintech Genome to get the conversation going here. I am also experimenting with something. The Thursday post will also go out in Chinese (I used Google Translate which is free and better than nothing but can be pretty mangled on occasion).


          Ensuring Cybersecurity In Fintech: Key Trends And Solutions        
Exciting things are happening these days at the intersection of digital technology and financial services. The fintech startup ecosystem is thriving, thanks in part to an infusion of $14.5 billion globally in venture funding in 2015, up from $7.3 billion in 2014. Fintech companies are creating and rolling out a [...]
          Pia Waugh: RegTech – a primer for the uninitiated        

Whilst working at AUSTRAC I wrote a brief about RegTech which was quite helpful. I was given permission to blog the generically useful parts of it for general consumption :) Thanks Leanne!

Overview – This brief is the most important thing you will read in planning transformation! Government can’t regulate in the way we have traditionally done. Traditional approaches are too small, too slow and too ineffective. We need to explore new ways to regulate and achieve the goal of a stronger financial sector resistance to abuse that leverages data, automation, machine learning, technology and collaboration. We are here to help!

The key here is to put technology at the heart of the business strategy, rather than as simply an implementation mechanism. By embracing technology thinking, which means getting geeks into the strategy and policy rooms, we can build the foundation of a modern, responsive, agile, proactive and interactive regulator that can properly scale.

“The automation of compliance with RegTech has the potential to overcome individual foibles and human error in a way that provides the quantum leap in culture and compliance that our regulators, customers, policy makers and the community are increasingly demanding… The Holy Grail is when we start to actually write regulation and legislation in code. Imagine the productivity gains and compliance savings of instantaneous certified compliance… We are now in one of the most exciting phases in the development of FinTech since the inception of e-banking.” — Treasurer Morrison, FinTech Australia Summit, Nov 2016

On the back of the FinTech boom, there is a growth in companies focused on “RegTech” solutions and services to merge technology and regulation/compliance needs for a more 21st century approach to the problem space. It is seen as a logical next step to the FinTech boom, given the high costs and complexity of regulation in the financial sector, but the implications for the broader regulatory sector are significant. The term only started being widely used in 2015. Other governments have started exploring this space, with the UK Government investing significantly.

Core themes of RegTech can be summarised as: data; automation; security; disruption; and enabling collaboration. There is also an overall drive towards everything being closer to real-time, with new data or information informing models, responses and risk in an ongoing self-adjusting fashion.

  • Data driven regulation – better monitoring, better use of available big and small data holdings to inform modelling and analysis (rather than always asking a human to give new information), assessment on the fly, shared data and modelling, trends and forecasting, data analytics for forward looking projections rather than just retrospective analysis, data driven risk and adaptive modelling, programmatic delivery of regulations (regulation as a platform).
  • Automation – reporting, compliance, risk modelling of transactions to determine what should be reported as “suspicious”, system to system registration and escalation, use of machine learning and AI, a more blended approach to work combining humans and machines.
  • Security – biometrics, customer checks, new approaches to KYC, digital identification and assurance, sharing of identity information for greater validation and integrity checking.
  • Disruptive technologies – blockchain, cloud, machine learning, APIs, cryptography, augmented reality and crypto-currencies just to start!
  • Enabling collaboration – for-profit regulation activities, regulation/compliance services and products built on the back of government rules/systems/data, access to distributed ledgers, distributed risk models and shared data/systems, broader private sector innovation on the back of regulator open data and systems.

Some useful references for the more curious:


          Senior Product Marketing Manager        
Product Marketing ManagerThe CompanyMy client is a Fintech company that provides banking solutions without the use of bricks and mortar banks. They are a cutting edge and digitally led business and with the growth that they are experiencing it is an exciting time to join.The RoleThey are now looking for an analytical, tech-savvy..
          Pia Waugh: Iteration or Transformation in government: paint jobs and engines        

I was recently at an event talking about all things technology with a fascinating group of people. It was a reminder to me that digital transformation has become largely confused with digital iteration, and we need to reset the narrative around this space if we are to realise the real opportunities and benefits of technology moving forward. I gave a speech recently about major paradigm shifts that have brought us to where we are and I encourage everyone to consider and explore these paradigm shifts as important context for this blog post and their own work, but this blog post will focus specifically on a couple of examples of actual transformative change worth exploring.

The TL;DR is simply that you need to be careful to not mistake iteration for transformation. Iteration is an improvement on the status quo. Transformation is a new model of working that is, hopefully, fundamentally better than the status quo. As a rule of thumb, if what you are doing is simply better, faster or cheaper, that it is probably just iterative. There are many examples from innovation and digital transformation agendas which are just improvements on the status quo, but two examples of actual transformation of government I think are worth exploring are Gov-as-an-API and mutually beneficial partnerships to address shared challenges.

Background

Firstly, why am I even interested in “digital transformation”? Well, I’ve worked on open data in the Australian Federal Government since 2012 and very early on we recognised that open data was just a step towards the idea of “Gov as a Platform” as articulated by Tim O’Reilly nearly 10 years ago. Basically, he spoke about the potential to transform government into Government as a Platform, similar (for those unfamiliar with the “as a platform” idea) to Google Maps, or the Apple/Google app stores. Basically government could provide the data, content, transaction services and even business rules (regulation, common patterns such as means testing, building codes, etc) in a consumable, componentised and modular fashion to support a diverse ecosystem of service delivery, analysis and products by myriad agents, including private and public sector, but also citizens themselves.

Seems obvious right? I mean the private sector (the tech sector in any case) have been taking this approach for a decade.

What I have found in government is a lot of interest in “digital” where it is usually simply digitising an existing process, product or service. The understanding of consumable, modular architecture as a strategic approach to achieve greater flexibility and agility within an organisation, whilst enabling a broader ecosystem to build on top, is simply not understood by many. Certainly there are pockets that understand this, especially at the practitioner level, but agencies are naturally motivated to simply delivery what they need in isolation from a whole of government view. It was wonderful to recently see New Zealand picking up a whole of government approach in this vein but many governments are still focused on simple digitisation rather than transformation.

Why is this a problem? Well, to put it simply, government can’t scale the way it has traditionally worked to meet the needs and challenges of an increasingly changing world. Unless governments can transform to be more responsive, adaptive, collaborative and scalable, then they will become less relevant to the communities they serve and less effective in implementing government policy. Governments need to learn to adapt to the paradigm shifts from centrist to distributed models, from scarcity to surplus resources, from analogue to digital models, from command and control to collaborative relationships, and from closed to open practices.

Gov as an API

On of the greatest impacts of the DTO and the UK Government Digital Service has been to spur a race to the top around user centred design and agile across governments. However, these methods whilst necessary, are not sufficient for digital transformation, because you too easily see services created that are rapidly developed and better for citizens, but still based on bespoke siloed stacks of technology and content that aren’t reconsumable. Why does this matter? Because there are loads of components needed for multiple services, but siloed service technology stacks lead to duplication, a lack of agility in iterating and improving the user experience on an ongoing basis, a lack of programmatic access to those components which would enable system to system automation, and a complete lack of the “platform” upon which an ecosystem could be built.

When I was at the interim DTO in 2016, we fundamentally realised that no single agency would ever be naturally motivated, funded or mandated to deliver services on behalf of someone else. So rather than assuming a model wherein an agency is expected to do just that, we started considering new models. New systems wherein agencies could achieve what they needed (and were mandated and funded) to do, but where the broader ecosystem could provide multi-channel services delivery where there is no wrong door for citizens to do what they need. One channel might be the magical “life events” lens, another might be third parties, or State and Territory Governments, or citizen mashups. These agents and sectors have ongoing relationships with their users allowing them to exponentially spread and maintain user-centred design in way that government by itself can not afford to do, now or into the future.

This vision was itself was just a reflection of the Amazon, Google Maps, the Apple “apps store” and other platform models so prevalent in the private sector as described above. But governments everywhere have largely interpreted the “Gov as a Platform” idea as simply common or shared platforms. Whilst common platforms can provide savings and efficiencies, it has not enabled the system transformation needed to get true digital transformation across government.

So what does this mean practically? There are certainly pockets of people doing or experimenting in this space. Here are some of my thoughts to date based on work I’ve done in Australia (at the interim DTO) and in New Zealand (with the Department of Internal Affairs).

Firstly you can largely identify four categories of things involved in any government service:

  • Content – obvious, but taking into account the domain specific content of agencies as well as the kind of custodian or contextual content usually managed by points of aggregation or service delivery
  • Data – any type of list, source of intelligence or statistics, search queries such as ABN lookups
  • Transaction services – anything a person or business interacts with such as registration, payments, claims, reporting, etc. Obviously requires strict security frameworks
  • Business rules – the regulation, legislation, code, policy logic or even reusable patterns such as means testing which are usually hard coded into projects as required. Imagine an authoritative public API with the business logic of government available for consumption by everyone. A good example of pioneering work in this space is the Regulation as a Platform work by Data61.

These categories of components can all be made programmatically available for the delivery of your individual initiative and for broader reuse either publicly (for data, content and business rules) or securely (for transaction services). But you also need some core capabilities that are consumable for any form of digital service, below are a few to consider:

  • Identity and authentication, arguably also taking into account user consent based systems which may be provided from outside of government
  • Service analytics across digital and non digital channels to baseline the user experience and journey with govt and identify what works through evidence. This could also fuel a basic personalisation service.
  • A government web platform to pull together the government “sedan” service
  • Services register – a consumable register of government services (human services) to draw from across the board.

Imagine if we tool a conditional approach to matters, where you don’t need to provide documentation to prove your age (birth certificate, licence, passport), all of which give too much information, but rather can provide a verifiable claim that yes I am over the required age. This would both dramatically reduce the work for gov, and improve the privacy of people. See the verifiable claims work by W3C for more info on this concept, but it could be a huge transformation for how gov and privacy operates.

The three key advantages to taking this approach are:

  1. Agency agility – In splitting the front end from a consumable backend, agencies gain the ability to more rapidly iterate the customer experience of the service, taking into account changing user needs and new user platforms (mobile is just the start – augmented reality and embedded computing are just around the corner). When the back end and front end of a service are part of the one monolithic stack, it is simply too expensive and complicated to make many changes to the service.
  2. Ecosystem enablement – As identified above, a key game changer with the model is the ability for others to consume the services to support and multi-channel of services, analysis and products delivered by the broader community of government, industry and community players.
  3. Automation – the final and least sexy, though most interesting from a service improvement perspective, is automation. If your data, content, transaction systems and rules are programmatically available, suddenly you create the opportunity for the steps of a life event to be automated, where user consent is granted. The user consent part is really important, just to be clear! So rather than having 17 beautiful but distinct user services that a person has to individually complete, a user could be asked at any one of those entry points whether they’d like the other 16 steps to be automatically completed on their behalf. Perhaps the best way government can serve citizens in many cases is to get out of the way :)

Meaningful and mutually beneficial collaboration

Collaboration has become something of a buzzword in government often resulting in meetings, MOUs, principle statements or joint media releases. Occasionally there are genuine joint initiatives but there are still a lot of opportunities to explore new models of collaboration that achieve better outcomes.

Before we talk about how to collaborate, we need to address the elephant in the room: natural motivation. Government often sees consultation as something nice to have, collaboration as a nice way of getting others to contribute to something, and co-design as something to strive across the business units in your agency. If we consider the idea that government simply cannot meet the challenges or opportunities of the 21st century in isolation, if we acknowledge that government cannot scale at the same pace of the changing domains we serve, then we need to explore new models of collaboration where we actively partner with others for mutual benefit. To do this we need to identify areas for which others are naturally motivated to collaborate.

Firstly, let’s acknowledge there will always be work to do for which there are no naturally motivated partners. Why would anyone else want, at their own cost, to help you set up your mobility strategy, or implement an email server, or provide telephony services? The fact is that a reasonable amount of what any organisation does would be seen as BAU, as commodity, and thus only able to be delivered through internal capacity or contractual relationships with suppliers. So initiatives that try to improve government procurement practices can iteratively improve these customer-supplier arrangements but they don’t lend themselves to meaningful or significant collaboration.

OK, so what sort of things could be done differently? This is where you need to look critically at the purpose of your agency including the highest level goals, and identify who the natural potential allies in those goals could be. You can then approach your natural allies, identify where there are shared interests, challenges or opportunities, and collectively work together to co-design, co-invest, co-deliver and co-resource a better outcome for all involved. Individual allies could use their own resources or contractors for their contribution to the work, but the relationship is one of partnership, the effort and expertise is shared, and the outcomes are more powerful and effective than any one entity would have delivered on their own. In short, the whole becomes greater than the sum of its parts.

I will use the exciting and groundbreaking work of my current employer as a real example to demonstrate the point.

AUSTRAC is the Australian Government financial intelligence agency with some regulatory responsibilities. The purpose of the agency is threefold: 1) to detect and disrupt abuse of the financial system; 2) to strengthen the financial system against abuse; and 3) to contribute to the growth of the Australian economy. So who are natural allies in these goals… banks, law enforcement and fraud focused agencies, consumer protection organisations, regulatory organisations, fintech and regtech startups, international organisations, other governments, even individual citizens! So to tap into this ecosystem of potential allies, AUSTRAC has launched a new initiative called the “Fintel Alliance” which includes, at its heart, new models of collaborating on shared goals. There are joint intelligence operations on major investigations like the Panama Papers, joint industry initiatives to explore shared challenges and then develop prototypes and references implementations, active co-design of the new regulatory framework with industry, and international collaborations to strengthen the global financial system against abuse. The model is still in early days, but already AUSTRAC has shown that a small agency can punch well above it’s weight by working with others in new and innovative ways.

Other early DTO lessons

I’ll finish with a few lessons from the DTO. I worked at the DTO for the first 8 months (Jan – Sept 2015) when it was being set up. It was a crazy time with people from over 30 agencies thrust together to create a new vision for government services whilst simultaneously learning to speak each other’s language and think in a whole of government(s) way. We found a lot of interesting things, not least of all just how pervasive the siloed thinking of government ran. For example, internal analysis at the DTO of user research from across government agencies showed that user research tended to be through the narrow lens of an agency’s view of “it’s customers” and the services delivered by that agency. It was clear the user needs beyond the domain of the agency was seen as out of scope, or, at best, treated as a hand off point.

We started writing about a new draft vision whilst at the DTO which fundamentally was based on the idea of an evidence based, consumable approach to designing and delivering government services, built on reusable components that could be mashed up for a multi-channel ecosystem of service delivery. We tested this with users, agencies and industry with great feedback. Some of our early thinking is below, now a year and a half old, but worth referring back to:

One significant benefit of the DTO and GDS was the cycling of public servants through the agency to experience new ways of working and thinking, and applying an all of government lens across their work. This cultural transformation was then maintained in Australia, at least in part, when those individuals returned to their home agencies. A great lesson for others in this space.

A couple of other lessons learned from the DTO are below:

  • Agencies want to change. They are under pressure from citizens, governments and under budget constraints and know they need better ways to do things.
  • A sandbox is important. Agencies need somewhere to experiment, play with new tools, ideas and methods, draw on different expertise and perspectives, build prototypes and try new ideas. This is ideally best used before major projects are undertaken as a way to quickly test ideas before going to market. It also helps improve expectations of what is possible and what things should cost.
  • Everyone has an agenda, every agency will drive their own agenda with whatever the language of the day and agendas will continue to diverge from each other whilst there is not common vision.
  • Evidence is important! And there isn’t generally enough AoG evidence available. Creating an evidence base was a critical part of identifying what works and what doesn’t.
  • Agile is a very specific and useful methodology, but often gets interpreted as something loose, fast, and unreliable. Education about proper agile methods is important.
  • An AoG strategy for transformation is critical. If transformation is seen as a side project, it will never be integrated into BAU.
  • Internal brilliance needs tapping. Too often govt brings in consultants and ignores internal ideas, skills and enthusiasm. There needs to be a combination of public engagement and internal engagement to get the best outcomes.

I want to just finish by acknowledging and thanking the “interim DTO” team and early leadership for their amazing work, vision and collective efforts in establishing the DTO and imagining a better future for service delivery and for government more broadly. It was an incredible time with incredible people, and your work continues to live on and be validated by service delivery initiatives in Australia and across the world. Particular kudos to team I worked directly with, innovative and awesome public servants all! Sharyn Clarkson, Sean Minney, Mark Muir, Vanessa Roarty, Monique Kenningham, Nigel O’Keefe, Mark McKenzie, Chris Gough, Deb Blackburn, Lisa Howdin, Simon Fisher, Andrew Carter, Fran Ballard and Fiona Payne :) Also to our contractors at the time Ruth Ellison, Donna Spencer and of course, the incredible and awesome Alex Sadleir.


          danesdzsu hozzászólása (Így ne dőljünk be a fintech hype-nak)        
A négyesen kb. az összes social és üzenetküldő marhaság megbukna.
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[…] A teljes cikk itt olvasható: https://fintechradar.hu/fizetes/0524/par-even-belul-egymilliard-dolla… […]
          #178. QR kódos koldusok adás – Meti Heteor hozzászólása (“Hongkong egyelőre szájal és kivár” – Fejes Balázs a kínai fintechről)        
[…] Kínában nagyon megy a mobilfizetés. Nem a rádiós, hanem a legegyszerűbb csak kamerát és kijelzőt igénylő. Még a sarki cigiárus is elfogadja. […]
          Automatizált jogi tanácsadás csetbot segítségével | eGov Hírlevél hozzászólása (Hajléktalanoknak segít a legmenőbb robotjogász)        
[…] 2017. március 6. Lásd még: DoNotPay. The World’s First Robot Lawyer ROSS Intelligence Hajléktalanoknak segít a legmenőbb robotjogász; FinTechRadar; 2016. augusztus […]
          Mi is az a bitcoin, és mire jó, végre megértheted - Profit2Be hozzászólása (Végre mi is megértettük, hogy mi is az a bitcoin, és mire jó)        
[…] Forrás: https://fintechradar.hu/penz/0317/vegre-mi-megertettuk-hogy-mi-az-bitcoin-es-mire-jo/ […]
          A középkorban változott ekkorát utoljára a bankolás? | eGov Hírlevél hozzászólása (PSD2: a középkorban változott utoljára ekkorát a bankolás)        
[…] PSD2: a középkorban változott utoljára ekkorát a bankolás; FinTechRadar; 2017. március 9. Korábbi cikkeink a […]
          Why is the No Credit Check Loans a Fake entity?        
In the fast growing FinTech market segment, where some people are making quick money, there are many more, who are losing it on a fast pace. If the phrase is understood from the logical aspect, it loses all the standing.
          iMPART Recruitment Ltd: Finance Manager        
£45000 - £55000 + pension + benefits: iMPART Recruitment Ltd: A Finance Manager is sought by a rapidly growing, award-winning FinTech company who are transforming their sector. They are a B2C business who operate within... Haywards Heath
          How to Use, Trade, Store and Invest in Bitcoin Digital Assets - Step by Step, Part 1        

ultracoin splash screenI will teach novices and experts alike how to fit Bitcoin into an investment portfolio safely and with the optimum risk-adjusted potential - along with step-by-step guides, instructions and tutorials.

This first part of the series starts with the basics, obtaining and managing your bitcoin.

What is Bitcoin?

First off, we need to know what Bitcoin is since most media pundits and even experienced financial types truly do not know. Bitcoin (capital "B") is a protocol driven network (very similar to that other popular protocol-based network, the Internet). This network is a blank tapestry upon which smart and creative actors can paint a cornucopia of applications (just like applications on the Internet). An early example from the Internet is email. It's now ubiquitous, but back in the early 90s very few people knew about it or used it. Fast forward today, and not only does everybody use and know about it, it is accompanied by a cornucopia of considerably richer applications, ie. Facebook, YouTube, Netflix, etc.

The Bitcoin network's first and most popular application to date is bitcoin (with a lower case "b"). Bitcoin (that's "b"itcoin - with a lower case "b") is a digitial currency applications that uses the Bitcoin blockchain and network as its transportation rails. It is a digital asset that can be a derivative of a physical asset or embedded in a physical device. Of course, that begs the question, aren't nearly all stocks, bonds and currencies digital assets. Short answer is yes. So, we are focusing on the next generation of digital assets, those that exist on the blockchain - the Bitcoin blockchain in particular. 

 

Acquisition, Part 1 - Preparing to Safely Receive Bitcoin  

Before you get you bitcoin you need to keep in mind that as a digital asset, it is susceptible to all of the maladies that befall other things digital, with the primary malady being hacking. The primary cause of hacks are lax password practice and malware. These are generally not difficult to proof against - at least in regards to lower level hackers.

  1. Makes sure you have a clean machine: Use AVG, Norton Anti-virus, Kapersky, etc. to purge malware and viruses off of your computer/phone/tablet. Don't put your money and assets on a machine that has bad actors waiting in the background to take it.
  2. Use a password manager: The second biggest whole in most people's computing habits is weak passwords. It's actually easy to determine if your password is too weak. If you can remember your password, then chances are someone else can as well. Any password that can be memorized probably isn't complex enough. Password managers store passwords for you, encrypt them and use them on their respective properties for you. This way, you can hundreds of personalized, complex passwords, a unique one for each site or app - yet only have to remember one password.

Acquisition, Part 2 - Choosing an Appropriate Wallet

A wallet is software designed to hold and manage you digital assets. You DON'T want a wallet that neuters the primary advantage that your new bitcoin offers you. That advantage is autonomy...

In a nutshell, autonomy is the ability to maintain control over your stuff, vs heteronomy, where you are forced to depend on a 3rd party to manage your assets. Bitcoin is fully autonomous. That's it's unique strength. Why should you give that up? You shouldn't! That means no hosted wallets, at all. A hosted walled is a wallet that its on someone else's servers to handle you assets. One of the most popular hosted wallets is the typical bank checking account. That wallet entails taking your assets (ie. digital dollars) and sending it to a 3rd party, thus relinquishing your possession, ownership and control of said assets. This has been done historically because most have not had a choice - other than stuffing dollars under the bed. 

Bitcoin allows you to always maintain:

  1. possession - you always have your assets or have them locked in the blockchain under your control (sending them somewhere else negates this);
  2. ownership -  our assets should always be yours, if you send them off to a hosted wallet or exchange, it becomes theirs and not yours;
  3. and control of your assets - you should always be the one to decide what happens to your assets, and when. This means no one can confiscate, freeze, tamper with and in no way frustrate your access to your assets.

 Examples of heteronomous wallets:

  • Coinbase
  • Nearly all exchanges, particularly the largest entities
    • Bitfinex, GDAX, etc.

Examples of autonomous or semi-autonomous wallets:

  • All wallets that store the assets locally, small sampling (I don't necessarily endorse any of these)
      • Bitcoin Core
      • Simple Bitcoin Wallet
      • MultiBit HD
      • Armory
      • Dark wallet
      • Bitgo
      • Airbitz (which does store you keys on their centralized server, but does so on an encrypted basis)

 Bitcoin is a bearer asset, just like the dollar bill. Think, would you rather keep your dollars in your pocket or in someone else's pocket. That's the difference between these two groups of wallet examples.

Remember, any heteronomous wallet can be seized, hacked or compromised despite your efforts to keep your assets safe - simply because you have relinquished possession and control. The larger the grouping of assets, the larger the prize becomes in targeting said wallet.

Acquisition, Part 3 - How Do I Get Bitcoin?

Actually, it's just as simple as asking someone to give it to you. I don't say this in jest. You can get bitcoin in exchange for products and services. If you don't know anyybody, then pursue https://localbitcoins.com/. This site is old school, P2P. It connects bitcoin buyers and sellers to deal with each other directly. Of course, you will end up payign a premium for your coins if you go through this channel, for there is less liquidity but it does work. These are the prices as of me typing this article...

Compare the prices to a mid level exchange such as Coinbase's GDAX

 This also brings us back to the autonomy vs heteronomy discussion. Use exchanges as gateways only. Use them to convert fiat (government and faith backed money) into digital asses and vice versa or to trade assets when you can't find your own counterparties. DO NOT use them as storage facilities. They can and do get hacked. You are not compensated in any way by relinquishing your possession, ownership or control of your assets to these entities, yet you do assume materially additional risk. Prudent investors ensure they are overcompensated for risks. Foolish investors are always under compensated or uncompensated for risks. Be a prudent investor!

The next installment of this series will go much more in depth in the investment in and trading of bitcoin, risks vs. rewards and how to integrate bitcoin into ANY portfolio. This will appeal to retail investors, professional traders and institutions alike.

We will delve deeply into bitcoin investment and trading, particularly integrating bitcoin into conventional investment portfolios in ways most of you have never dreamt of, using our proprietary and patent-pending Veritaseum technology., which is currently only available for beta to BoomBustBlog subscribers. If you are interest in our proprietary research, analysis or technology - please subscribe to one of our various subscription plans here. We can set subscribers up with a recommended wallet and even send you a couple dollars worth of bitcoin to get started.

oil short via USDEUR pair

cmpleted Ve trades

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          Web2day 2017 : 3 belles journées en perspective !        

web2day 2017

Qu'avez-vous prévu dans votre planning les 7, 8, 9 juin 2017 ? Venir visiter notre belle région nantaise et participer au Web2day ?

Vous l'avez peut-être zappé, mais le Web2days 2017 se rapproche à grands pas. Il reste encore des places à la vente, alors n'hésitez pas à passer voir la superbe programmation attendue pour ce festival du Web 100% nantais.

En synthèse, le Web2days, c'est :

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Parmi les Speakers, du beau monde, de belles sociétés et de belles histoires à raconter ! Notre Korben national y sera même présent ;-)

Comme chaque année, le Web2day lance sont concours de startups, le "Global Challenge". 5 thématiques sont à l'honneur cette année :

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L'ouverture des inscriptions est toute fraîche, vous pouvez vous inscrire depuis les liens référencés dans l'article du blog Web2days.

Si vous souhaitez vous inscrire en simple visiteur, l'achat de places se réalise sur le site officiel de l'événement..

Bon Web2day sur place ou en livestream pour celles et ceux qui ne peuvent pas venir !

geeek
          The Best Startup Categories for Entrepreneurs and Investors – 2014 Edition        
Gemini 10 launch John Young and Michael Collins

Yesterday TechStars NYC announced its 2013 class, selected from 1700 applicants from 420 cities.  That’s an impressive pipeline from which to recruit top-notch teams.  There are no ideas in that group of eleven that I personally have not already seen multiple times in the past couple of years, at least from what I can tell with the limited information available.  One is an app for pet lovers, and there were at least 50 of those that applied in 2011 to present at the SXSW Accelerator in 2012 and appeared in the subset I judged that year.  I’m not meaning to be critical here.  Every accelerator has its own model, and there has to a careful matching of that model with the goals of the applying teams.  The TechStars brand is top shelf, and I certainly presume all these companies have something worthy to justify their inclusion.

A committee I chair is already working on SXSW Accelerator 2014, and our traditional format calls for 6 categories of applicants in the interactive portion. The categories of past years have become blurred as technology has evolved.  In particular, nearly everyone interested in presenting in social, mobile, or innovative web would now likely fit comfortably in all three.  And, we have a unique format that requires finalists to survive at 2-minute pitch round on day one to get to day two for a 5-minute pitch and a chance to be a category winner.  Finding really big ideas that can be explained in 2 minutes is not easy.  The 2013 crop was by all accounts an improvement over previous years, and we don’t want to fix what ain’t broke, as the saying goes, but the mantra of SXSW generally is newness, discovery, cool, and first, and it behooves us to think quite a few moves ahead on the chessboard of the many “whateverators” that have appeared on the scene.

In that light, I have some suggestions for categories that could spawn the best opportunities in March 2014.  But, I would appreciate any and all comments on these and any new ideas.  Just Tweet @techdrawl and your comments will show up on the site as part of our Twitter roll.   How about these, perhaps not specifically as named but in these general areas:

1.  Enterprise web/mobile solutions:  These are supposedly once again “sexy,” and there are plenty of ways to apply consumer Internet advances to the corporate world.  I think we’re just scratching the surface in that respect.  And the combination of recurring revenue SaaS models along with relatively easy customer discovery make these deals very attractive to investors.

2.   Media Analytics and Enhancements:  This too is an area with many uncharted waters.  We’re only beginning to see all the effects of social media and untethered televisions on media consumption, audience measurement and engagement, and advertising spending. 

3.  General Analytics, including all things Big Data driven:  Here’s one that is already hyped but has a long way to go as machinery and data tools get ever more powerful. There will be a lot of successful entrepreneurs who find practical ways to deploy these resources.

4.  Entertainment and Gaming:  This standby still seems to have legs as gaming adapts to the proliferation of the newest multi-purpose mobile devices.  And, it looks like state laws are slowly but surely evolving to make real money part of the equation for online gaming.  This is just going to get more interesting.

5.  Noninvasive Health Diagnostics and Analytics:  The 2013 winner Neurotrack with its Alzheimer’s detection techniques is a great example of this.  There’s a lot more creativity to be applied there.

6.  Human Performance, Health, and Wellness:  Here’s where I’d put all the cool products, including augmented reality, new touch interfaces, personal data collection devices and other concepts that go direct to the point of better living without crossing over into deep medical science and FDA approvals.

7.  Security:  Hacking is firmly affixed in popular culture; even the Hawaii Five-0 episode this week centered its story on that topic.  The use of technology for personal and data security has many more successes to breed and will be in the headlines for years to come.

8.  Space:  That was a major theme of SXSW 2013, and there are many innovative companies trying to privatize the space industry.  With that should come clever commercial applications for rocket payloads beyond joy rides.  It’s not too soon to consider looking to the skies.

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10.  General Consumer:  There needs to be at least one spot for the latest, hippest pure consumer plays, lest we miss the next Twitter.

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If you had to pick only six of these to attract the best deals from around the world, which would you choose?  If you’re ready to write checks and place bets on startups, which groups on this list would most catch your fancy?  What am I missing in this list?

Given that early stage investments may take 7-10 years to fully play out, the hard part now is guessing which areas will be attractive in 2014, will remain so for subsequent funding rounds for a few years, and will prove to be winners in their respective markets a decade later.

<NASA time-lapse photo of Gemini 10 launch; on board GA Tech alum John Young along with Michael Collins; public domain>

 

 

 


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          Meet the Hopkins-Nanjing Center's U.S.-China Exchange Scholars        
 In honor of the HNC’s 30th anniversary, the HNC has created the U.S.-China Exchange Scholars Fellowship for alumni of U.S. government-supported programs for Chinese language study. These programs include, but are not limited, to the Critical Language Scholarship, Boren Award for International Study, Chinese Language Flagship Program, and the National Security Language Initiative for Youth.

We are pleased to introduce our first five U.S.-China Exchange Scholars for the 2017-2018 academic year who have studied Chinese through a number of U.S. government-supported programs. 

Emily Rivera
Fulbright-Hays Group Projects Abroad Program (GPA)
HNC Certificate ‘18


Emily Rivera graduated from Hamilton College in 2016 with dual concentrations in Government and Chinese. The daughter of two first-generation Colombian immigrants, Emily grew up speaking both English and Spanish. Largely because of this, Emily developed a keen interest in intercultural dialogue at an early age and later began studying Chinese as a sophomore at Hamilton College.

After three semesters of in-class language training, Emily earned a Fulbright Hays Group Projects Abroad Program (GPA) Scholarship, which provided her the opportunity to attend the ACC Intensive Language & Culture Program at Beijing's Minzu University while at Hamilton College. While at Minzu University, Emily worked on a research paper chronicling China's wealth gap. Emily developed this research and deployed it into her Honors Chinese thesis at Hamilton College, titled: 中国“富二代”和“穷二代”现象之分析."

Emily chose the HNC to gain a well-rounded experience studying the economy and politics of China through intensive language immersion in an exclusively Chinese learning environment. She is very grateful for the opportunity to continue her studies as a U.S.-China Exchange Scholar at the HNC. Using lessons from the HNC, she hopes one day to add necessary value to the growth and success of U.S. relations abroad as a Foreign Service Officer. Originally from Miami, Florida, Emily currently lives in Honolulu, Hawai`i where she works as an AmeriCorps Advocate at the Legal Aid Society of Hawai`i.

Landon Heid
Foreign Language Area Studies Scholarship (FLAS)
HNC Certificate ‘18


Landon Heid grew up in Midwest, where he attended the University of Missouri, obtaining degrees in Finance and Banking and Political Science.  In summer 2014, Landon had his first experience with China, spending a summer in Xiamen, China interning at a Fortune 500 company working in currency hedging.  Soon thereafter, Landon began studying Chinese and in 2017 earned a graduate degree in International Affairs at George Washington University in Washington D.C.

During summer 2016, Landon was awarded the Foreign Language Area Studies scholarship to study Chinese through the rigorous Princeton In Beijing program.  During the past year, Landon served as the Human Rights Desk Officer at the U.S. Department of State, where he had the opportunity to discuss U.S.-China policy at the National Security Council and prepare congressional testimony for the Secretary of State and Ambassador to China.  Landon was drawn to the HNC after his time working in China-policy circles, where he discovered many of the most dedicated and knowledgeable “China Hands” had graduated from the HNC.  Given the history, quality, and reputation of the HNC, Landon believes attending the Hopkins-Nanjing Center will be a real asset to his future career as a Foreign Service Officer.

Mary Leah Milnes
Critical Language Scholarship (CLS) Program
HNC Certificate ’18 /John Hopkins SAIS MA’19


Mary Leah Milnes first learned about the Hopkins-Nanjing Center while studying abroad in Beijing with CET Academic Programs as a college sophomore in fall of 2012. At the time, her Chinese was only good enough to recognize the characters for jianbing. However, she saw in the HNC and SAIS a unique opportunity to wed her interest in pursuing a career in foreign affairs and U.S.-China relations to long-term study of the country and language.

An aspiring China Hand, Mary Leah continued to pursue her study of Mandarin and her goal of graduate study at the HNC by studying Chinese intensively in Harbin with CET, majoring in Political Science (Comparative Politics) and Asian Studies at Vanderbilt University and completing the U.S. Department of State's Critical Language Scholarship Program at Sun Yat-sen University in Guangzhou in 2014. Thanks to these efforts, she can confidently identify purveyors not only of jianbing but also of dongbei cai and the legendary Lanzhou Lamian.

After graduating, she interned at the National Committee on United States-China Relations and the Asia Society before working as a research analyst for fintech firm ValuePenguin's Asia division. Mary Leah looks forward to the next few years, which she will spend attaining a Certificate in China Studies from the HNC and an MA in Strategic Studies from Johns Hopkins SAIS.


Stephanie Gruetze
National Security Language Initiative for Youth (NSLI-Y) Program
HNC Certificate ‘18

Stephanie Gruetze is from Belton, Missouri and first started learning Chinese during her senior year of high school through courses at the local community college. It was during this time she found out about NSLI-Y. Stephanie attended NSLI-Y’s Summer 2013 program in Chengdu, Sichuan where she fell in love with China and the Chinese language. During her undergraduate career at Truman State University, Stephanie continued to study Chinese and spent a year abroad in Nanchang, Jiangxi while pursuing her degree in Agriculture Science. At the HNC, Stephanie wants to continue to develop her Chinese skills before going on to hopefully pursue a career combining agriculture and Chinese.

Christian Flores
Chinese Language Flagship Program, CUNY Hunter College
Fulbright-Hays Group Projects Abroad Program (GPA) Scholarship
Boren Fellowship for International Study
HNC MAIS ‘18


Studying Chinese became a passion for Christian since he first began to study the language in high school for four years. He remembers the welcoming atmosphere in the mornings at East-West School of International Studies in Queens, NY when he would enter the Chinese classroom and delve into pinyin, characters, sentence structures, calligraphy, and traditional Chinese music. The inspiration and support that he received from his two Chinese teachers reinforced the idea that he should go on to continue studying the language in college. At CUNY Hunter College, and as a part of the Chinese Language Flagship Program, Christian was able to further pursue his passion. If studying hours and hours of Chinese at Hunter was not enough, Christian was able to apply his knowledge of Chinese throughout his study abroad experiences in different parts of China. In the summer of 2012, Christian studied abroad with the International Chinese Language Program at National Taiwan University. In 2013, Christian was awarded the Fulbright-Hays Group Project Abroad Scholarship to study and intern in Xi’an. Christian completed his capstone year at Tianjin Normal University, which culminated in his achievement of a level 3 on the Oral Proficiency Interview (OPI) and earning a Bachelor of Arts in Chinese Language & Literature and Political Science.

Although Christian achieved advanced language proficiency after graduating college, he knew that his studies on China and the Chinese language were far from over. During his final semester at Hunter, Christian decided to apply to the Hopkins-Nanjing Center (HNC) which offers a Master of Arts in International Studies while studying in Nanjing. After being awarded the Boren Fellowship, Christian made his decision to pursue graduate studies at the HNC. His strong interest in Chinese and politics led him to the right place that would deepen his studies on China. Christian has taken courses such as China’s Development and Environment, Sino-U.S. Relations, Financial Crises, and Ethnic Minorities in Chinese Society, all of which have provided him with a more well-rounded understanding of China. Christian did not only decide to study at the HNC because it is a repertoire for research on China, but also because it is a cross-cultural bridge for people from different backgrounds to engage in discourse and create mutual understanding. In his final year at the HNC, Christian hopes to complete his Master’s thesis on the potential of the Asian Infrastructure Investment Bank through a comparative study of China’s past investment ventures. Christian strongly believes that his journey of studying Chinese and China could not have been possible without the help and support provided by institutions as well as organizations such as the East-West School, the HNC, the Flagship Program, Fulbright, and Boren that sow the seeds for language study along with the fostering of global citizenship.
          Hot Hashtag: Is #Brexit Bad for Fintech?        
In the past months, the fintech sector has taken notice of England’s upcoming June 23 referendum to determine the fate of the island’s membership in the European Union. #Brexit, the handle acting as hub around the question of Britain’s potential “exit,” has had a reach of over 6.8 million Twitter users in the past three days. The […]
          Primary Fintech Innovation Defined, and Why Klarna Fits the Bill        
Primary innovation is doing something that has never been done before. Most primary innovation is ridiculous and fails without anybody noticing. Very, very rarely, primary innovation changes the world and the company that creates the innovation becomes a Unicorn. Secondary innovation wins by giving a twist to that primary innovation. The two simple twists are: […]
          Montréal devrait mettre en place un pôle d'excellence FinTech pour accélérer le développement du secteur FinTech à Montréal, selon une étude d'EY        
Montréal possède les atouts nécessaires pour soutenir la croissance de son écosystème FinTech et favoriser le développement technologique de ce secteur. Pour tirer pleinement parti de ce potentiel, une série de recommandations ont été élaborées. En premier lieu, Montréal devrait mettre en place un pôle d'excellence FinTech visant à favoriser le développement des jeunes entreprises du secteur. En centralisant le développement des FinTech autour d'une seule entité, Montréal consolidera sa position dans l'industrie canadienne et rehaussera son image de pôle d'attraction pour les FinTech à l'échelle internationale, selon une nouvelle étude d'EY. «Les investissements en FinTech au Québec connaissent une croissance régulière, note Sébastien René, associé et leader des Services consultatifs en technologie de l'information d'EY pour le Québec. Cependant, la province accuse un retard en raison du manque de connaissance des solutions disponibles. Le succès de l'écosystème FinTech à Montréal passe par l'implantation d'un environnement qui saura mettre de l'avant le dynamisme, la créativité et l'esprit innovateur des entrepreneurs d'ici.» Dans le rapport Comment accélérer l'essor de l'écosystème FinTech à Montréal?, quatre pistes de solution ont été identifiées pour accélérer le développement des FinTech et ainsi faire de Montréal une référence canadienne en matière d'innovation et de nouvelles technologies financières :
1. Mettre en place un pôle d'excellence FinTech permettant de développer l'écosystème FinTech du Québec et de soutenir adéquatement les entreprises qui exercent leurs activités ou qui veulent entrer dans ce secteur
2. Mettre en place un programme de mentorat formel pour les entrepreneurs FinTech soutenu par toutes les institutions financières du Québec
3. Travailler avec les autorités réglementaires notamment pour mettre en place un environnement d'essai de type «sandbox» afin de favoriser l'expérimentation de nouvelles technologies
4. Développer un cursus universitaire uniformisé dans plusieurs universités du Québec faisant la promotion des différents parcours professionnels possibles au sein du secteur des services financiers et de la technologie «Montréal est reconnue pour son esprit entrepreneurial et innovateur, commente Mario Albert, Directeur général de Finance Montréal. Les jeunes entreprises FinTech trouvent ici un terreau fertile pour développer leurs activités, mais il faut les soutenir davantage. Quant à elles, les grandes institutions financières du Québec souhaitent être exposées aux innovations qui touchent leurs opérations et leurs systèmes TI. Nous devons donc travailler ensemble pour tirer profit du potentiel FinTech de Montréal et créer ici les emplois de l'avenir dans le secteur des services financiers.» Outre la culture entrepreneuriale, la disponibilité du talent et l'accessibilité au capital qui positionnent favorablement Montréal, la présence d'une demande forte et soutenue est une condition majeure pour assurer le succès du développement du secteur FinTech. À cet effet, l'indice d'adoption FinTech d'EY publié récemment confirme qu'au Canada, bien que la demande pour des solutions et services FinTech soit encore en émergence, elle est en constante croissance et devrait tripler d'ici douze mois. Pour en savoir plus: Opens external link in new windowhttp://www.finance-montreal.com/fr/centre-multimedia/nouvelles/montreal-devrait-mettre-en-place-un-pole-dexcellence-fintech-pour
          Remit Radar, CURE International Team Up to Raise Clubfoot Awareness        

FinTech amplifies nonprofit's efforts by sharing vital health information in remote areas.

(PRWeb June 21, 2017)

Read the full story at http://www.prweb.com/releases/2017/06/prweb14446381.htm


          Webinar: Silicon Valley vs. France – Top Tech Trends 2017        

Update: Watch the webinar video here: https://vimeo.com/209802538 What are the hottest topics in tech for 2017? Is “Big Data” still big? How about BioTech and FinTech? How do tech trends differ between the U.S. and France’s ecosystem? Join us for a free webinar next week. Register here.   As part of a project for BPIFrance (French […]

The post Webinar: Silicon Valley vs. France – Top Tech Trends 2017 appeared first on Netvibes Blog.


          Forging ahead: US M&A H1 2017: Fintech forces the fate of US financials        
Banks and insurers turn to M&A, as technology transforms how financial services are purchased and used - The financial services sector recorded 212 deals worth US$38.6 billion in H1 2017, a 42.4 percent uptick in value compared to the same period in...
By: White & Case LLP
           Big Bite: Financial Technology         
The digital currency Bitcoin, as well as other financial products and services, are all part of a growing Fintech market. We’ll discuss how Fintech, or financial technology, uses these technologies to provide financial services directly to consumers in this longer form podcast.
          PayU i iwoca startują ze wspólną ofertą pożyczek dla e-handlu        
Współpraca międzynarodowej firmy pożyczkowej iwoca oraz PayU, jednego z czołowych dostawców płatności online na świecie, to pierwsze tego typu przedsięwzięcie na europejskim rynku FinTech. Partnerstwo ma ułatwić osobom prowadzącym małe i średnie przedsiębiorstwa w Polsce, zwłaszcza działającym w obszarze e-handlu i e-usług, pozyskanie finansowania na szybszy rozwój.
          Revo, la fintech russe qui octroie en magasin un prêt en un temps record        
La clef du succès de Revo : le recours aux nouvelles technologies pour s'informer sur le client et réduire les coûts.
          Vota DARWINEX en los European Fintech Awards 2017        
Estimados/as traders de Bolsa.com, entre miles de empresas aspirantes, DARWINEX ha sido seleccionada en los European Fintech Awards 2017 como una de las Fintechs europeas más prometedoras del año. Tras pasar la primera criba de selección, DARWINEX se encuentra en la segunda fase en la que el voto popular es decisivo. Podéis acceder a través de este enlace para votar por DARWINEX. El […]
          Griffin Lightning Connector cables available next week        

Griffin Lightning Connector cables available next week

Just in time for the holiday buying season, a lot of new cables and accessories featuring Apple's new Lightning Connector are starting to appear. Griffin announced four new Lightning cables yesterday that will be available next week.

The first is the US$24.99 4' coiled USB to Lightning Cable, usable in the car with existing USB plugs or anywhere you need a mid-length cable that doesn't take up a lot of space. The cable is identical to the one used in the PowerJolt SE Car Charger with Lightning Connector (also $24.99) that was reviewed on TUAW a few weeks ago.

If you need some room to stretch out, Griffin also released a 3-meter (almost 10 feet) USB to Lightning Cable for $29.99. Shorter 2-foot ($16.99) and 3-foot ($18.99) USB to Lightning Cables round out the offerings from Griffin.


          Eventful Forum: The New Paradigm of Virtualized Consumerism [ NYC ]        
Martech is changing the way consumers expect to engage, Fintech is changing the way consumers expect to transact, and the convergence of these two rapidly evolving industries is fundamentally reshaping the brand-consumer relationship as we know it. Eventful Forum 2017 is the only conference...
          FinTech & Blockchain for Federal Government Happy Hour [ NYC ]        
FinTech and Blockchain technologies are shaping entire industries and revolutionizing the way organizations work. Government is no exception. From payment and fraud to supply chain and procurement – there are a tremendous number of applications of these solution that increase accountability and improve the...
          Fintech Startups Partnering With Banks Could Be a Good Thing        
The surge in fintech startups isn’t just an anomaly — it’s becoming a trend. Between 2015 and 2016, research by KPMG found challenger banks saw a 32 percent spike in lending compared with a 5 percent drop for incumbents. Where is this increase coming...
          Ð¢Ð¾Ð¿ 2017 финтех-компаний в Европе        
Большие экономические выгоды от развития финтех индустрии заставляют крупные города Европы соперничать между собой за статус европейского центра ...Читать далее
          AIS Channel BIZ Forum 2017: Digital 4.0 “Business Trend Initiative: FINTECH”        

Tuesday, 25 Jul, 2017. – AIS hosted AIS Channel BIZ Forum 2017: Digital 4.0 for their distribution partner and Telewiz. Dr. Supachai, CEO and Founder of MCFIVA got an honor ... Read More

The post AIS Channel BIZ Forum 2017: Digital 4.0 “Business Trend Initiative: FINTECH” appeared first on MCFIVA.


          Stopgap: Marketing Executive        
£28000 per annum: Stopgap: Opportunity for a Marketing Executive with on and offline campaigns experience to join this leading FinTech / payments company London
          Stopgap: Marketing Executive        
£28000 per annum: Stopgap: Opportunity for a Marketing Executive with on and offline campaigns experience to join this leading FinTech / payments company London
          Stopgap: Digital Marketing Manager        
£38000 - £42000 per annum: Stopgap: Senior Digital Exec looking for a step up? Experience in Financial Services, Payments, FinTech or Subscription services? This role could be perfect for you! London
          Stopgap: Creative Studio Manager        
£35000 - £40000 per annum: Stopgap: Are you a Creative Studio Manager with solid experience of working across digital and print projects? If so, we have we have an exciting opportunity for you with a leading Fintech company. London
          Big banks in China are waking up to the fintech threat        
HONG KONG: Banking is waking up to, and publicly acknowledging, the threat posed by agile fintech companies, as China’s tech giants gain more ground in traditional industries. Last month, Jing Ulrich, vice chairman Asia Pacific at US bank JP...
          Les comptes multidevises, nouveau business des fintech        
Après le transfert d'argent à l'international, les fintech et bientôt les acteurs traditionnels s'attaquent à un marché qui vise aussi bien les particuliers que les entreprises.
          NEC participates in the inaugural Singapore Fintech Festival        
First paragraph of the press release excluding the date
          Fintech in Canada        
“It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interest.” ― Adam Smith
Fintech holds the promise of greatly reducing the cost of financial services for Canadians. Our big banks have little choice but to keep costs high because they have a lot of capital tied up in real estate, they have a lot of employees to pay, and most importantly, they have shareholders demanding ever-growing profits. Operating primarily online, lean fintech companies give us the hope of reduced banking fees, better interest rates, and other benefits. But it’s important to understand the motivations of fintech companies.

People like John Bogle who founded Vanguard are rare. Instead of enriching himself, he created an investment company that serves the interests of its customers. He even had the foresight to create a legal structure that created strong incentives to benefit customers instead of pitting them against Vanguard’s management.

Fintech companies are not structured this way. They seek to make money. The best way to make money fast in fintech is to attract as many customers as possible and then sell the company to one of the big banks. Not all fintech companies have this plan, but many do. After acquiring a fintech firm, the big bank will do its best to squeeze more profits from its newly purchased customers without losing their loyalty to the original fintech firm. It’s a tricky balancing act but make no mistake: this is why big banks buy fintech firms.

A longer fintech plan is to actually operate the fintech company and make money from its profits over time. Even here, though, the company’s long-term dreams would be to get closer to the kind of profitability that the big banks enjoy. The path to these profits is to start off with very customer-friendly practices to get a loyal customer base, and later try to squeeze more profits from these customers. Whether or not a fintech company seeks to get sold to a big bank, the endgame is similar: whoever owns the fintech company will try to extract more money from customers.

None of this is really different from the rest of our economy; companies seek profits. But bank customers who understand what is going on can predict how to get less expensive banking. You have to be willing to change banks. It’s not enough to jump once from a big bank to a fintech firm. You need to be prepared to leave one fintech firm for another that makes a better offer.

I’ve gone through this myself first leaving a big bank for Tangerine. Since then Tangerine has been whittling away at credit card rewards and the interest rate they pay. They have even resorted to teaser interest rates to try to compete using advertising without actually paying competitive interest rates on deposits. This has driven me over to EQ Bank.

It’s not my intention to promote one financial firm over another here. Every time I see a good deal at an online bank, I expect to have to pay attention to whether they make negative changes. I expect to have to change banks yet again. I won’t be more loyal to a bank than it is to me.

My hope is that more and more fintech firms will keep popping up to the point where the big banks can’t keep buying them all. If the marketplace becomes diverse enough that there is meaningful competition, maybe some new banks will actually decide that treating customers well is in their long-term interests. Until then, expect to have to change banks whenever your current bank’s offerings deteriorate.

          Thoughts on the future of fintech        
Royal Society, London, January 13th 2016. I was recently invited to attend the West Minster Business Forum, for its Future of Fintech conference. Having had a background in covering the cryptocurrency scene as a journalist, and more recently as a member of the Hullcoin team, I was interested to see what business minds were thinking […]
          Fintech: Transforming Finance        
Latest Accountancy News only: 
0
Type: 
resource
Date: 
Wed, 2017-04-12
Media Type: 
report
Summary: 

This report explores the transformation underway as a result of the continued expansion of FinTech and its ongoing impact across the financial services landscape.

Date Format: 
F j, Y
Membership/Paywall: 
0
Global Knowledge Gateway: 
Language: 
URL: 
http://www.accaglobal.com/uk/en/technical-activities/technical-resources-search/2016/september/fintech---transforming-finance.html
Sources: 
Name: 
ACCA

          UI / UX Designer | Fintech client - VIC        
3 6 mth contract. Work on cuttingedge UI / UX responsive web &amp; mobile apps aimed at the global &hellip;
          å•†æ¥­å‘¨åˆŠ 第1543期 – 400億旅遊帝國─可樂        
封面故事 *36年來首度受訪!全台9成旅行社背後盟主 400億旅遊帝國─可樂 *他們開批鬥大會互指缺點,但也最懂分享 4 人創始團隊 36 年不拆夥的智慧 *旅遊行程被拆開上網賣,競爭者來自全世界⋯⋯ 跟團客源剩3 成 旅行社要怎麼活? 商周專欄 *總編輯的話 忍受孤獨之必要 *執行長聊天室 你不知道他走過什麼樣的路 *商場自慢塾 訓練半年用一年 *經營4.0 「歡迎搶錢」的人性實驗 *透視中國 2億人的商機 *風尚經濟學 第一外觀面 *透視中國 2億人的商機 *金融時報精選 台股萬點功臣 蘋果i8陷保位戰 *CoCo傳真 焦點人物 *計畫擴及11座城市,推手竟是軟銀孫正義胞弟 鴻海最新布局 郭守正組亞洲新創聯盟 *43歲市長「跑業務」 福岡3年變日本新創之都! *i8利多出盡前,買低本益比、高息、高成長 台股萬點還沒完三招選股趨吉避凶 *串聯小工廠變創意大軍,琨蒂絲打進利潤多三倍市場 51歲彰化絲襪廠 轉型全球性連身內衣王 國際焦點 *一紙成效不佳的氣候協定,卻令歐美反目、矽谷跳腳 巴黎協定吵什麼?梅克爾槓川普背後經濟戰 火線話題 *前瞻計畫亂花錢,不如增加滯洪池、綠地 暴雨淹都市 解方在建商不在防洪 科技風雲 *匯頂市值超越母公司,讓它帳面大賺三百倍 聯發科小金雞 稱霸中國IC設計股! *在台灣活不下去,他們帶創意出走星港中 一位陣亡Fintech創業家:我們被當詐騙集團 […]
          Tennis star Andy Murray among customers to pledge over $22 million in funding for bank alternative Revolut        
Andy Murray was one of 40,000 customers who committed to invest over $22 million in Revolut, the financial technology (fintech) company announced Monday.
          Stop now if your company doesn’t have an incredible point of view about how to make the world a better place        

Omniconvert is a conversion optimization tool that integrates A/B testing, Real-time personalization, advanced audience segmentation and visitors surveys

Der Beitrag Stop now if your company doesn’t have an incredible point of view about how to make the world a better place erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Ideas are important but execution is even more important        

Parquery extracting real-time information by analysing images for smart city and smart mobility applications Please introduce yourself and your startup

Der Beitrag Ideas are important but execution is even more important erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          If you need some encouraging words to start, don’t do it. (Elon Musk)        

GuruWalk free walking tours all over the world: We have many tours that are not on any other website in the entire internet. It’s like the igloo you can book through Airbnb

Der Beitrag If you need some encouraging words to start, don’t do it. (Elon Musk) erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Don’t be afraid to learn        

Traista App Lost. Found. Shopping Deals Please introduce yourself and your startup Traista to our readers! Sorin Puscau. Co-founder, CEO,

Der Beitrag Don’t be afraid to learn erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Get out of your building, to collect feedbacks        

Meritocracy: we automate the workflow of a Recruitment Agency, providing our Clients real-time pipelines of matching Professionals, ready to seize their new career opportunity

Der Beitrag Get out of your building, to collect feedbacks erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          SEEDSTARS WORLD IS COMING TO GCC TO FIND THE BEST STARTUP IN THE REGION        

The Seedstars World team is coming to Manama, Bahrain for the third time to hold a dynamic pitch event in the region on September 9, 2017.

Der Beitrag SEEDSTARS WORLD IS COMING TO GCC TO FIND THE BEST STARTUP IN THE REGION erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Your vision is the most important thing        

POMP created a compact mobile fuel station that enables us to access our customer everywhere and operate in dense urban areas

Der Beitrag Your vision is the most important thing erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          You have to start DOING – and making mistakes to learn from them        

Our first product – the stringster app – enables players to identify the appropriate point of time to restring their rackets.

Der Beitrag You have to start DOING – and making mistakes to learn from them erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Be open to pivoting when you need to        

Talaera personalized and flexible Business English coaching one-on-one to non-native English-speaking professionals in the international workforce.

Der Beitrag Be open to pivoting when you need to erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Have a good time!        

Kilobaser the Nespresso machine of DNA synthesis Please introduce yourself and your startup Kilobaser to our readers! I’m Alex Murer,

Der Beitrag Have a good time! erschien zuerst auf Startup VC FinTech Crowdfunding StartupValley Magazine.


          Omega One Named Winner of Lang Di Fintech PitchIt competition in Shanghai        
Omega One has been selected as the winner of the Lang Di Fintech PitchIt competition that took place in Shanghai on July 16. PitchIt was created in partnership with JadeValue, Shanghai’s co-working an…
          Omega One wins LendIt Lang Di Fintech PitchIt        
Automated trade execution platform Omega One beat out hundreds of applicants to win LendIt’s Lang Di Fintech PitchIt competition in Shanghai on July 16. Lang Di Fintech PitchIt partners with Shangh…
          Number26 Plants the Seeds of Genuine AI        
This is an exciting time to be alive in the fintech space — and also an interesting time to be a chatbot, as the experiences of Microsoft’s Tay proved last week. As FIs and startups alike leverage the best in entrepreneurial and technological insight to adapt to customers’ lives, the gap is narrowing between financial […]
          Top Fintech Raises: InstaMed, Kyriba, Lydia, BigchainDB, Remitly        
While there weren’t any mega rounds this past week, the funding for fintech is still trickling in—also Beyoncé became a tech investor, so maybe she needs a payment company; keep hope alive—and investors are still putting their money into the different areas of the industry, like specialized payment platforms, blockchain, and more. This brings us […]
          Made in China mobile fintech payment services get the jump on banks in volumes, ease of use        
The giants of the banking world are acknowledging the dominance of Chinese mobile payment methods, the SCMP reports.
          La revue de presse éco de la semaine (17 au 21 juillet)        
C'est les vacances et vous avez un peu décroché de l'actualité ? Pas de panique. Pour vous remettre à la page, nous vous proposons un petit tour de l'information économique du 17 au 21 juillet 2017. Au programme : CPF, évolution des métiers, start-up de la Fintech, indemnités prud'homales...
          Atos positioned as a Leader in FinTech Services in Banking by analyst firm NelsonHall        

Atos, has been positioned as a leader in FinTech Services in Banking in the NelsonHall NEAT vendor evaluation study that assesses 14 global vendors that offer FinTech Services as part of their banking BPS portfolio.

The post Atos positioned as a Leader in FinTech Services in Banking by analyst firm NelsonHall appeared first on Atos.


          #VivaTech : 4 fintech qui vont compter dans le commerce connecté de demain        
Accompagnées par le LAB by CB - un incubateur du Groupement Cartes Bancaires -, ces quatre pépites, présentes à VivaTech, se sont lancées sur le créneau du paiement connecté. En développant des innovations d'avenir, chacune d'elles espère bien convaincre et séduire tant les commerçants que les consommateurs.
          Quovo Launches Self-Service API Checkout        

Quovo, fintech data aggregation and analytics company, has launched a new self-service API checkout service for its Quovo API. The new service allows users to easily access and manage API tokens directly through the Quovo site. Three-tiered pricing allows developers to test the API in the free Sandbox, and scale Quovo API use as needed through the Catalyst and Partner plan levels.


          Team “Tapp Interactive” is the winner of the second Fintech Hackathon        

Team “Tapp Interactive” is the winner of this year’s, second in a row, Fintech Hackathon, and their design of a mobile app that allows users to take out an instant cash loan using social networks data, won them the...

The post Team “Tapp Interactive” is the winner of the second Fintech Hackathon appeared first on ICT HUB.


          SECOND FINTECH HACKATHON IS UPON US – SIGN UP!        

Second Serbian Fintech Hackathon organized by Center for Technological Entrepreneurship (ICT Hub), company 30Hills and Societe Generale Bank will be held from June 30 to July 2, with a prize fund of 5,000 euros. With the...

The post SECOND FINTECH HACKATHON IS UPON US – SIGN UP! appeared first on ICT HUB.


          SuiteWorld 2017 Fintech Keynote: The Fintech Revolution        

In the SuiteWorld 2017 Fintech keynote, Ranga Bodla, NetSuite’s Head of Industry Marketing, discusses the rise of fintech companies in the wake of the recession, how they’re disrupting traditional banks, how banks are responding and how NetSuite is helping these businesses innovate, including SuiteSuccess for financial services. Bodla is joined onstage by Andy Brown, CEO and Cofounder of Sand Hill East, a consultancy focused on fintech and startups.


          Fintech to Take Center Stage at SuiteWorld 2017        

As massive changes continue to reshape the financial services industry, fintech and traditional companies alike are quickly realizing the importance of a flexible and modern platform. To meet that need, this year’s SuiteWorld event in Las Vegas will offer more content to specifically address the challenges and opportunities that the financial services industry faces.


          The Rise of FinTech Disruptors as Seen at LendIt 2017        

A mere 350 people attended the first LendIt Conference back in 2013. Four years later, the conference brings together over 5,000 attendees from more than 40 countries—a true testament to the size and scale of the FinTech Revolution. New York City played host to the latest event with thought leaders and industry experts from over 2,400 companies—both start-up and well established—to discuss the past, present and future of financial services, alternative lending and FinTech.


          DBS Group Holdings Ltd (SGX:D05) HEFFX Highlights        

DBS Group Holdings Ltd (SGX:D05) HEFFX Highlights It is an interesting time within Asia’s wealthy and technologically sharp financial sector. Developments in financial technology (fintech) are not just enhancing banking services, but replacing them completely. Retail financial services are being further digitised via mobile wallets and payment applications, while equity crowdfunding and online lending platforms […]

The post DBS Group Holdings Ltd (SGX:D05) HEFFX Highlights appeared first on Live Trading News.


          Investering til din fintech-startup? Der er hjælp at hente        

Gennem de seneste år er investeringerne i fintech-startups kun gået opad. Men ofte kan det være svært at få investeringerne, idet at fintech-virksomheder ofte kræver en større investering allerede på seed-niveau end andre typer af startups. Mød Casper Ravn-Sørensen. Selv om dåbsattesten fortæller, at han er 32 år, har Casper allerede opbygget og investeret i...

The post Investering til din fintech-startup? Der er hjælp at hente appeared first on Trendsonline.dk.


          Fintechselskaber danner fælles front mod regeringens udspil til betalingslov        

Betalingslov, fintech, Spiir, Rune MaiFlere fintechselskaber er gået sammen om at påvirke nyt betalings-udspil fra regeringen. Selskaberne frygter blandt andet, at nyt udspil til en betalingslov vil hæmme deres produktudvikling. En ny betalingslov er på regeringens tegnebræt. Udspillet møder kritik af en række danske fintech-virksomheder. De frygter, at udspillet vil være med til at skabe meget snævre rammer for...

The post Fintechselskaber danner fælles front mod regeringens udspil til betalingslov appeared first on Trendsonline.dk.


          Svensk venturefond poster penge i Pleo        

Pleo, Creandum, betalingsløsningFintechvirksomheden Pleo har rejst et større millionbeløb fra den svenske venturefond Creandum. For anden gang siden august har fintechstartuppet Pleo modtaget kapital. Denne gang lyder det på 24 millioner kroner fra den svenske venturefond Creandum. Det bringer sammenlagt Pleos første kapitalrunde op på 40 millioner kroner, skriver business.dk. Virksomheden har på et tidligt tidspunkt valgt at tage investorer...

The post Svensk venturefond poster penge i Pleo appeared first on Trendsonline.dk.


          Digital sparegris fÃ¥r millionindsprøjtning af Spar Nord og Seed Capital        

Ernit, millioninvesteringSeed Capital og Spar Nord investerer millioner i startuppet fintechstartuppet Ernit. Spar Nord kommer desuden til at spille en aktiv rolle i lanceringen. Den digitale sparegris Ernit har landet en milloninvestering. Pengene kommer fra venturefonden Seed Capital samt en af landets største banker, Spar Nord. Sidstnævnte vil udover at investere et millionbeløb også komme til...

The post Digital sparegris får millionindsprøjtning af Spar Nord og Seed Capital appeared first on Trendsonline.dk.


          Hogyan lett a hitel bűnből piaci termék?        

Amiért az 1200-as években még kénkövet és pokoltüzet prédikáltak, az pár száz évvel később a gazdaság motorjává vált. A hitel kultúrtörténete.

Hogyan lett a hitel bűnből piaci termék? | FinTechRadar.


          A hitelezésben már nyertek a robotok        

Az ügyfelek egyharmadának szüksége van emberi segítségre az OnDeck amerikai hitelstartup tapasztalatai szerint. Kétharmaduknak elég a robot is.

A hitelezésben már nyertek a robotok | FinTechRadar.


          Minden ötvenedik személyi hitelt neten igénylik az OTP-nél        

A bank szerint idén a válság előtti szintre térhet vissza a személyi hitelezés, a netes igénylés pedig csak népszerűbbé válhat a mostani állapotnál.

Minden ötvenedik személyi hitelt neten igénylik az OTP-nél | FinTechRadar.


          Egymillió eurós tőkével változtatja meg a hitelezést a lengyel FinAi        

Nem mond különösebben nagy dolgokat a FinAi, de mivel az alapítók már korábban bizonyítottak, a technológia pedig ígéretes, így egy kisebb vagyonból kísérletezhetnek.

Egymillió eurós tőkével változtatja meg a hitelezést a lengyel FinAi | FinTechRadar.


          A legjobb haverunk lesz a pénzintézet a jövőben?        

Nem biztos, hogy igen a válasz. Lehet, hogy megússzuk. De az egészen biztos, hogy meg fogják próbálni. Az amerikai SoFi már most is szervez szinglireggeliket az ügyfeleinek.

A legjobb haverunk lesz a pénzintézet a jövőben? | FinTechRadar.


          Zopa: felnőtt a p2p-hitel startup        

Kiderült az ég, süt a nap, csiripelnek a madarak a brit közösségi hitelcégek számára. Vagy ha ennyire nem is szép minden, de legalább az első kölcsönstartup megkapta a teljes értékű pénzügyi licencet.

Zopa: felnőtt a p2p-hitel startup | FinTechRadar.


          Thrive: eljött a hitelezés Venmo-pillanata        

A kis pénzintézeteknél nincs elég erőforrás új, modern technológiára támaszkodó hiteltermékek fejlesztésére. A fintechek segíthetnek nekik.

Thrive: eljött a hitelezés Venmo-pillanata | FinTechRadar.


          Hackerek törték fel a Wonga nevű brit hitelcég szervereit        

270 ezer ügyfél adatait lopták el a Wonga nevű brit hitelezési cégtől. Az adatabázis bankszámlaszámokat, neveket és címeket is tartalmaz.

Hackerek törték fel a Wonga nevű brit hitelcég szervereit | FinTechRadar.


          Automata személyi kölcsönt mutatott be az OTP        

Aki gyorsan gépel, az már fél óra alatt is meg tudja igényelni a hitel, de az átlagos ügyfélnek is ötven perc alatt végez a feladattal.

Automata személyi kölcsönt mutatott be az OTP | FinTechRadar.


          Az emodzsit is érti a Capital One csevegőrobotja        

Egy utalást viszont még nem tanult meg elküldeni. Az új csevegőgép máshogy okos, mint az elődei, de még nem tűnik emberinek.

Az emodzsit is érti a Capital One csevegőrobotja | FinTechRadar.


          Vinder af TechBubbles #6 hentede stor millioninvestering i december        

Lunar Way, TechbubblesÅrets første bobler gik til fintech-startuppet Lunar Way, der i den seneste tid har skabt røre i den danske techverden med sin flotte investering på 31 millioner kroner fra Seed Capital. December var en begivenhedsrig måned i det danske startupmiljø. Det var derfor ikke en let opgave at udvælge virksomhederne til årets første udgave af...

The post Vinder af TechBubbles #6 hentede stor millioninvestering i december appeared first on Trendsonline.dk.


          TechBubbles #6: Fintech og fællesskaber dyster om champagne        

TechBubbles, champagneVi vil gerne hylde succesfulde startups, og du kan være med til at vælge vinderen. I samarbejde med Vivino og PostNord skænker vi ægte champagne og overrækker gavekort til COOP til et succesfuldt startup. Denne uge er stærke fintech-virksomheder oppe mod tatoveringsgigant og et populært kontorfællesskab. Vi har taget hul på et nyt år, men...

The post TechBubbles #6: Fintech og fællesskaber dyster om champagne appeared first on Trendsonline.dk.


          Betalingsstartuppet iZettle henter over 400 millioner i ny funding        

iZettle, fintechSvenske iZettle har i en ny fundingrunde hentet 60 millioner euro, svarende til over 445 millioner kroner, og udpeget ny CFO. Du har nok stukket dit dankort i en af iZettles handy, sorte kortlæsere på en café, i et kontorfællesskab eller nyere etablissement. Betalingsstartuppet har ret hurtigt fået udbredt sin løsning, som er blevet en...

The post Betalingsstartuppet iZettle henter over 400 millioner i ny funding appeared first on Trendsonline.dk.


          Britisk startup rejser millioner til app rettet mod immigranter og udstationerede        

Fintech, MoneseMed appen Monese vil et britisk fintechstartup gøre det nemmere for immiganter og udstationerede at åbne en bankonto. Snart kan appen måske også bruges i Danmark. Startuppet har nemlig lige rejst ti millioner dollars til blandt andet at udbrede servicen i Europa. Få minutter efter flyet er landet, er det muligt at oprette en bankkonto i...

The post Britisk startup rejser millioner til app rettet mod immigranter og udstationerede appeared first on Trendsonline.dk.


          Dansk fintech-startup sikrer sig tocifret millionbeløb        

CardlayFintechstartuppet Cardlay har fået fire millioner dollars, svarende til knap 28,5 millioner kroner, af private investorer til at vise de traditionelle banker vejen mod den digitale tidsalder. Fintech har været et af årets hotteste områder, og her inden vi kan skrive 2017, har fintechstartuppet Cardlay offentliggjort, at de har modtaget en investering på fire millioner...

The post Dansk fintech-startup sikrer sig tocifret millionbeløb appeared first on Trendsonline.dk.


          Fintech-startup fÃ¥r tocifret millionbeløb til at genopfinde Snapchat-generationens bankoplevelse        

Lunar Way, mobilbankingDet danske fintech-startup Lunar Way har fået 31 millioner kroner fra blandt andet Seed Capital til at ændre bankoplevelsen for unge mellem 15 og 25 år.  Banker er kedelige, fyldt med tal og jakkesæt, der taler til én i et helt andet sprog, end det man selv bruger. Det sprog, der tales på Snapchat og...

The post Fintech-startup får tocifret millionbeløb til at genopfinde Snapchat-generationens bankoplevelse appeared first on Trendsonline.dk.


          HKU partners with Cyberport to set up HKU x Cyberport Digital Tech Entrepreneurship Platform to co-develop an innovative FinTech ecosystem        
...aiming to form a closer partnership to build a unique digital tech ecosystem for Hong Kong spanning the aspects of human capital, innovation and technologies, entrepreneurship, and legal and business expertise. Mr. Herman Lam Heung -yeung, CEO of Cyberport and Professor ...

          Spar Nord skyder penge i abonnements-app med internationalt potentiale        

Subhub, abonnementerI tråd med Spar Nords nye strategi investerer banken i abonnementsservicen Subhub, som banken ser stort potentiale i. Subhub er Spar Nords første investering inden for fintech. I starten af november lancerede Spar Nord sin nye strategi, hvori banken lægger vægt på digital omstilling. I forbindelse med den nye strategi har Spar Nord nu valgt...

The post Spar Nord skyder penge i abonnements-app med internationalt potentiale appeared first on Trendsonline.dk.


          Fintech-virksomhed vil stoppe bankers fejl        

Fintech-virksomhedDet er ikke med vilje, at bankerne fejlfakturerer deres kunder. Men det gør de alligevel ofte. Det mener BeScord, der er en fintech-virksomhed, som vil stoppe fejlfaktureringen. Når pengene begynder at rulle ind på kontoen, så stiger kravene til den med det økonomiske overblik. Derfor ligger en del af de økonomiske opgaver ofte hos virksomhedernes banker....

The post Fintech-virksomhed vil stoppe bankers fejl appeared first on Trendsonline.dk.


          Dansk fintech-gazelle solgt for 825 millioner kroner        

CFH GroupDen danske fintech-virksomhed CFH Group er blevet solgt for 825 millioner kroner til verdens største udbyder af spilsoftware.  Det er en stolt stifter af det otte år gamle fintech-firma, CFH Group,  som laver online handelsløsninger, der tirsdag kan offentliggøre et millionsalg af sin virksomhed. Christian Frahm har nemlig sagt ja til at sælge CHF Group til...

The post Dansk fintech-gazelle solgt for 825 millioner kroner appeared first on Trendsonline.dk.


          Skandinaviens første fintech-kollaborativ Ã¥bner i København        

FintechFintech er et område i stigning, og under mantraet, det er lettere at blive god til noget, hvis du ikke prøver at klare alt på én gang, åbner Skandinaviens første co-working space dedikeret til fintech-startups torsdag i København. Fintech er en sektor i stærk stigning. Branchen beskæftiger i dag mere end 14.000 talenter og ventes...

The post Skandinaviens første fintech-kollaborativ åbner i København appeared first on Trendsonline.dk.


          Vinder af TechBubbles #4: Alle medarbejdere skal være stolte af vores produkt        

vinderDenne måneds TechBubbles-vinder er fintech-startuppet Pleo. De har både fokus på kerneproduktet, men også stor fokus på medarbejderpleje. Medarbejderne skal simpelthen rundt i den lille virksomhed, fortæller CEO i Pleo. “Det er så fedt, at folk har stemt på os, for vi har ikke fået reklameret for konkurrencen. Folk har altså helt selv gået ind og...

The post Vinder af TechBubbles #4: Alle medarbejdere skal være stolte af vores produkt appeared first on Trendsonline.dk.


          TechBubbles: Fintechstartup vandt den fjerde flaske        

Hver måned udvælger vi fem startups, som har imponeret med enten investeringer, ekspansion, ansættelser, kampagner eller lignende. Vinderen får en flaske champagne af Vivino og kan kalde sig TechBubbles-vinder. Den fjerde flaske gik til et fintechstartup.  Denne gang var det Too Good To Go, Lendino, Pleo, Northholders og Spiri, der fik muligheden for at tiltrække sig nok...

The post TechBubbles: Fintechstartup vandt den fjerde flaske appeared first on Trendsonline.dk.


          Dansk fintech-startup løb med førstepladsen til Wolves Summit i Polen        

YourpayDet danske startup Yourpay, som kombinerer fintech med kunstig intelligens, kan nu bryste sig af at have vundet Østeuropas mest prestigefyldte pris for tech-startups. Der var deltagere fra hele Europa, og Yourpay blev valgt som det bedste startup ud af 300 håbefulde pitches. Østeuropa er kommet ud af det mørke kølvand af den Kolde Krig...

The post Dansk fintech-startup løb med førstepladsen til Wolves Summit i Polen appeared first on Trendsonline.dk.


          Europas finansielle centrum opruster pÃ¥ fintech-fronten        

Luxembourg, fintechFlere og flere fintech-virksomheder rykker mod Luxembourg eller spirer fra den traditionsrige bankinghub. Det kræver en transformation af den finansielle sektor – hvilket Luxembourg bakker op om. Fra hotellet går jeg ud for at finde en hurtig snack. Et pølsehorn, et stykke bake off fra 7Eleven eller en pose peanuts med chokoladeovertræk. Jeg er vant...

The post Europas finansielle centrum opruster på fintech-fronten appeared first on Trendsonline.dk.


          Nordjysk fintech-startup vil de dÃ¥rlige betalere til livs        

DebitoEfter flere dårlige episoder med manglende betaling fra kunder, besluttede stifterne bag den online inkassotjeneste, Debito.dk, sig for at lave deres egen inkassoservice. To år senere kører platformen et trecifret millionbeløb i sager om året. Mange iværksættere har oplevet at en kunde pludselig ikke vil betale for den vare eller ydelse, som er blevet leveret....

The post Nordjysk fintech-startup vil de dårlige betalere til livs appeared first on Trendsonline.dk.


          Call for Papers @CloudExpo | #BigData #IoT #AI #DevOps #FinTech #Blockchain        
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!read more
          Call for Papers @CloudExpo | #BigData #IoT #AI #DevOps #FinTech #Blockchain        
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!read more
          Call for Papers @CloudExpo | #BigData #IoT #AI #DevOps #FinTech #Blockchain        
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!read more
          Call for Papers @CloudExpo | #BigData #IoT #AI #DevOps #FinTech #Blockchain        
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!read more
          DevOps Loses Its Religion | @CloudExpo #AI #ML #IoT #FinTech #Blockchain        
… ?
          Call for Papers @CloudExpo | #BigData #IoT #AI #DevOps #FinTech #Blockchain        
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal today!read more
          Zhuck — A banking app to help entrepreneurs grow        

Else collaborated with Daljit Singh, Michael Wolff and NB Studio on the inception and creation of a new Russian banking service aimed at entrepreneurs and small business owners. With over 1,000 of banks servicing SME’s in Russia (compared to about 5 in the UK) competition is fierce, yet customer service and customer satisfaction levels are very low.

Zhuck was created specifically to cater to these disillusioned entrepreneurs, accountants, managers and investors who want a closer control of their business – a better understanding of the day-to-day goings on – without getting caught up or slowed down by the bureaucratic Russian banking system. However, unlike many banking/productivity/financial apps out there, Zhuck jokes, provokes and occasionally insults the user, cajoling them into action, making ‘doing nothing’ seem like the difficult option.

Zhuck received a D&AD award for Branding/Digital Brand Expression in 2015.

Cast: Else London and NB

Tags: fintech, banking, russia, russian, entrepreneurs, ui, interaction design, app and iOS


          æ•¸ç¢¼æ´ªç§€å…¨åŒè…æ•—4.0(二)        
腐敗4.0係乜呢?如何參與這個遊戲呢?我們先看看腐敗3.0。

安邦最廣為人知的一役,就是2014年以19億美元向私募基金黑石集團(Blackstone Group)收購紐約華爾道夫酒店(Waldorf Astoria),這酒店就是阿里巴巴IPO之前舉行發佈會的地方,也就是美國社會第一次察覺到中資希望鯨吞國際資產的強烈慾望。

吳小暉雖然是安邦的領軍人物,但係如果沒有人慧眼識英雄在背後發功,佢都恐怕難以嶄露頭角,吳經商之路,陳小魯和鄧卓芮是兩大關鍵人物。國共戰爭期間,陳毅和鄧小平共同指揮淮海戰役,取得大勝後,陳毅鄧小平升任國務院副總理。兩家人在中南海官邸一前一後,鄧家的四合院後門對住陳家的前門,所以幾十年來,兩人關係非常要好,陳小魯是陳毅細仔,自己也投身軍旅,退休之後經營基金投資生意,被視為安邦幕後的大老闆。

習大大祖上三代,當然沒有佢哋咁顯赫,他為了鞏固權力,不惜挑戰所有紅色家族,所以無論2017-2018年的證券市場、保險、銀行業未來佈局要相當小心。我們的一切基金基本上全部抽走一切以甚麽Fintech、互聯網金融、智慧投顧、P2P領域的投資,轉投腐敗4.0相關業。

在博鰲亞洲論壇中,一臉正氣的前總理朱鎔基之子朱雲來,串安邦集團董事長吳小暉,他說:「比如說你買了華爾道夫,你把它做成住宅了,這是中國典型的經典的打法,空手套白狼。」這潛台詞都聽不懂?

也難怪,吳不是DBS、喇沙、St. Jo、哈佛牛津出身、不知誰是薩德,對歷史一冇所知。

對朱雲來的評價,吳小暉解釋說:「美國有一個1031法案,這就是走出去的機遇。」「它在曼哈頓上所有的東西都轉化過了,唯獨只有這一棟樓華爾道夫沒有轉化過。」

Trump女婿Kushner本要和他傾生意,到六月十四日,吳小暉傳出被官方帶走,从此下落不明。在失去人身自由前,他差點買下Kushner家族在紐約曼哈頓的666大樓(看此老博)。地球人都好奇,他到底觸犯了什麼天條?如果他犯法,為何官方隻字不提?又為何今天才捉?神祕失蹤後,安邦態度雲淡風輕,說吳小暉「因個人因素暫不能履職」,整篇聲明不到六十個字。666代表什麽?乜你冇睇「驅魔人」咩?

吳小暉出事之前,他招待Kushner的红酒,來自法國拉菲(Chteau Lafite Rothschild)、每瓶要價2100美元、他身邊的都是國際政要,像是美國前國務卿老狐狸基辛吉、老懵董等;他經營的安邦,同時身居工行、招行等多家銀行的前十大股東。因而,吳小暉失蹤的消息,立即為積弱的支那股市,造成一記扎實的重擊:消息見報當天,中國滬深兩市雙雙下跌近1%,安邦持股的24家公司,有22家下跌,光是這一天,二十四檔持股總市值就減少人民幣538億人仔;相比上證指數幾乎紋風不動,安邦持股比率最大的幾家公司,一周跌幅都超過3%。


之後,港股咪一周升1000幾百點囉。

如果,連這些腐敗基本功都睇不通、摸不準、憑什麽投資港股、環球股市?仲要學人管理資產?買莫雷拉好過啦,有1賠4。

吳小暉是安邦現任法定代表人,只是「代表人」,基本上安邦與鄧小平家族的關係非常密切,主要由鄧樸方、鄧楠在背後操控,吳只是管幕前的。

數碼3.0時代,天王洪秀全和東王楊秀清、南王馮雲山、西王蕭朝貴、北王韋昌輝、翼王石達開個個可以對號入座,肖建華在四季被挾走,他的明天系至少控制6家上市公司、參股和控股9家商業銀行、4家證券公司等。這一座龐大金融帝國涉入中共頂級紅色家族,包括前副主席曾慶紅的兒子曾偉、國防部前部長梁光烈的兒子梁軍、天津市前市長戴相龍的女婿車峰,皆與肖建華的關係密切。

4月9日,保監會主席項俊波涉嫌嚴重違紀遭到調查,目前正接受組織審查,加上被免職的證監會主席肖鋼、被退休的銀監會主席尚福林。只有央行行長周小川還在位。人行副行長兼國家外匯管理局局長潘功勝也被中紀委調查。金融這個半開放的領域,各類五鬼搬財手法,很難摸清箇中內幕,國營民營證券金融,實際上都由太子黨在背後掌控,一代照顧一代,由1.0到2.0;3.0進化到4.0,這是反腐的真正深水區。



習近平接班後,肅清了前領導人老江手下徐才厚、郭伯雄,掌控軍隊,掌握了「槍」;掃除了掌管公安系統的周永康與國安部馬建,繼而將「刀」拿下;如今他的目標瞄準了「錢」。金融反腐3.0愈來愈清晰,山雨欲來風滿樓。

讀金融,做iBank有前途?(未完)



          GDPR vs. PSD2: Why the European Commission Must Eliminate Screen Scraping        

by John Tolbert

The General Data Protection Regulation (GDPR) and Revised Payment Service Directive (PSD2) are two of the most important and most talked about technical legislative actions to arise in recent years.  Both emanate from the European Commission, and both are aimed at consumer protection.

GDPR will bolster personal privacy for EU residents in a number of ways.  The GDPR definition of personally identifiable information (PII) includes attributes that were not previously construed as PII, such as account names and email addresses.  GDPR will require that data processors obtain clear, unambiguous consent from each user for each use of user data. In the case of PSD2, this means banks and Third-Party Providers (TPPs).  TPPs comprise Account Information Service Providers (AISPs) and Payment Initiation Service Providers (PISPs).  For more information, please see https://www.kuppingercole.com/report/lb72612

Screen scraping has been in practice for many years, though it is widely known that this method is inherently insecure.  In this context, screen scraping is used by TPPs to get access to customer data.  Some FinTechs harvest usernames, email addresses, passwords, and account numbers to act on behalf of the users when interacting with banks and other FinTechs.  This technique exposes users to additional risks, in that, their credentials are more likely to be misused and/or stored in more locations. 

PSD2 will mandate the implementation of APIs by banks, for a more regular and safer way for TPPs to get account information and initiate payments.  This is a significant step forward in scalability and security.  However, the PSD2 Regulatory Technical Standards (RTS) published earlier this year left a screen scraping loophole for financial organizations who have not yet modernized their computing infrastructure to allow more secure access via APIs.  The European Banking Authority (EBA) now rejects the presence of this insecure loophole:  https://www.finextra.com/newsarticle/30772/eba-rejects-commission-amendments-on-screen-scraping-under-psd2.   

KuppingerCole believes that the persistence of the screen scraping exception is bad for security, and therefore ultimately bad for business.  The proliferation of TPPs expected after PSD2 along with the attention drawn to this glaring weakness almost ensures that it will be exploited, and perhaps frequently. 

Furthermore, screen scraping implies that customer PII is being collected and used by TPPs.  This insecure practice, then, by definition goes against the spirit of consumer protection embodied in GDPR and PSD2.  Furthermore, GDPR calls for the principle of Security by Design, and a screen scraping exemption would contravene that.  TPPs can obtain consent for the use of consumer PII, or have it covered contractually, but such a workaround is unnecessary if TPPs utilize PSD2 open banking APIs.  An exemption in a directive should not lead to potential violations of a regulation.  


          PSD2 – the EBA’s Wise Decision to Reject Commission Amendments on Screen Scraping        

by Martin Kuppinger

In a response to the EC Commission, the EBA (European Banking Authority) rejected amendments on screen scraping in the PSD2 regulation (Revised Payment Services Directive) that had been pushed by several FInTechs. While it is still the Commission’s place to make the final decision, the statement of the EBA is clear. I fully support the position of the EBA: Screen scraping should be banned in future.

In a “manifesto”, 72 FinTechs had responded to the PSD2 RTS (Regulatory Technical Standards), focusing on the ban of screen scraping or as they named it, “direct access”. In other comments from that FinTech lobby, we can find statements such as “… sharing login details … is perfectly secure”. Nothing could be more wrong. Sharing login details with whomever never ever is perfectly secure.

Screen scraping involves sharing credentials and providing full access to financing services such as online banking to the FinTechs using these technologies. This concept is not new. It is widely used in such FinTech services because there has been a gap in APIs until now. PSD2 will change that, even while we might not end with a standardized API as quickly as we should.

But what is the reasoning of the FinTechs in insisting on screen scraping? The main arguments are that screen scraping is well-established and works well – and that it is secure. The latter obviously is wrong – neither sharing credentials nor injecting credentials into websites can earnestly be considered a secure approach. The other argument, screen scraping being something that works well, also is fundamentally wrong. Screen scraping relies on the target website or application to always have the same structure. Once it changes, the applications (in that case FinTech) accessing these services and websites must be changed as well. Such changes on the target systems might happen without prior notice.

I see two other arguments that FinTech lobby does not raise. One is about liability issues. If a customer gives his credentials to someone else, this is a fundamentally different situation regarding liability then in the structured access via APIs. Just read the terms and conditions of your bank regarding online banking.

The other argument is about limitations. PSD2 request providing APIs for AISP (Account Information Service Providers) and PISP (Payment Initiation Service Providers) – but only for these services. Thus, APIs might be more restrictive than screen scraping.

However, the EBA has very good arguments in favor of getting rid of screen scraping. One of the main targets of PSD2 is a better protection of customers in using online services. That is best achieved by a well-thought-out combination of SCA (Strong Customer Authentication) and defined, limited interfaces for TPPs (Third Party Providers) such as the FinTechs.

Clearly, this means a change for both the technical implementations of FinTech services that rely on screen scraping as, potentially, for the business models and the capabilities provided by these services. When looking at technical implementations, even while there is not yet an established standard API supported by all players, working with APIs is straightforward and far simpler than screen scraping ever can be. If there is not a standard API, work with a layered approach which maps your own, FinTech-internal, API layer to the various variants of the banks out there. There will not be that many variants, because the AISP and PISP services are defined.

Authentication and authorization can be done far better and more convenient to the customer if they are implemented from a customer perspective – I just recently wrote about this.

Yes, that means changes and even restrictions for the FinTechs. But there are good reasons for doing so. EBA is right on their position on screen scraping and hopefully, the EC Commission will finally share the EBA view.


          SIFMA Executive Vice President Randy Snook Remarks as Prepared for the SIFMA FinTech Conference        
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          SMT Software Services otwiera innowacyjne centrum w Katowicach        
W Katowicach firma SMT Software Services otworzy FinTech Innovation Centre, ośrodek badawczo-rozwojowy zajmujący się systemy zabezpieczeń instytucji finansowo-bankowych. Na pracę może liczyć 70 osób.
          Edtech and the Future of Education in Africa        

Edtech isn’t new. It has been around as far back as the invention of the first calculators, and even before then. What’s relatively new about it today is the application of new internet and mobile phone based technologies to improve the access to some basic needs; similar to mhealth, and fintech.  30 million African children are […]

The post Edtech and the Future of Education in Africa appeared first on Blogs - FlexiSAF.


          How This Entrepreneur Cracked The Pension Sector And Got The Fintech World Buzzing        
The frustrating ordeal of trying to change pension provider spurred this investment banker into action to launch her own business, PensionBee
          Fintech ecosystem builder Cyberport ties up with Hong Kong University        
A Memorandum of Understanding (MoU) signing ceremony between the University of Hong Kong (HKU) and H...
          Santander InnoVentures pumps more money into digital ID firm Socure        
Santander's fintech venture capital fund has joined a $13.9 million Series B funding round for New Y...
          RailsBank raises $1.2 million in funding        
RailsBank, a fintech startup led serial entrepreneur Nigel Verdon that promises to provide access to...
          The impact of fintech on cross-border payments        
In a new staff discussion note, the IMF examines the fintech revolution, with a focus on the use of...
          Alpacaの勉強会のお知らせ: Orb / Alpaca Tech Talk 2017/06/26(月) 18:30〜        

OrbのCTOの山田さんとご飯食べている時に、そういえばおなじFintechだし勉強会やりましょうよ、勉強会、という話をしていたら、山田さんがあれよあれよというまに企画していただき勉強会することになりました。

connpass.com

僕は、いつも、どちらかというと金融機関の皆様を対象にAIのジェネリックな話をするのですが、久しぶりにガチな勉強会なのでガチな話をしようとおもって、今のAlpacaの技術スタックの情報をかき集めています。

で、最近にわかに盛り上がっている時系列データベースですが、AlpacaではMarketStoreと呼んでいるgo言語でフルスクラッチ実装した自社開発の時系列データベースを利用しております。MarketStoreの面白い点は、時系列データベースながらSQL構文をサポートしており、内部的には、

select tickcandler('25Min',Open,High,Low,Close,Sum:Volume, Avg:Open, Avg:Close) from `AAPL/1Min/OHLCV` limit 10;

や

insert into `AAPL/5Min/OHLCV` (Open,High,Low,Close,Volume_SUM) select tickcandler('5Min',Open,Sum:Volume) from `AAPL/1Min/OHLCV` limit 10;
Query returned 10 rows, inserting into: AAPL/5Min/OHLCV

のようなSQL構文を発行して、様々な操作を金融時系列に対して実施することができます。実行結果はnumpyバイナリとして出力され、pythonのpandasのデータフレームとしてロードされます。これをChainerなどのディープラーニングのライブラリを通して利用することで、時系列データベースからディープラーニングのエンジンへのデータデリバリーを高速に実現しています。

MarketStoreの特色は上記のような柔軟性を保持しつつ極めて高速に動作することです。日本株式3700銘柄に対するある程度の規模のクエリが1秒程度で完了する速度がその強みです。実際、我々の現在のメイン業務である金融の予測システムの構築にはそのクエリ速度がものをいいますから、このようなデータストレージの強みがそのまま予測システムの強みになるように設計をしています。

このあたりのこてこてにマニアックな話を僕からはしようとおもうので、ご興味の有る方はぜひいらしてください!


          è¿‘況報告と2016年振り返り        

2016年は本当にいろいろあった一年で、振り返ってみるとこういう時間を経験するためにスタートアップに入ったのだろうと思いました。

そんなAlpacaもJoinしてから1年半がすぎ、去年の3月は1人でやっていた東京オフィスの立ち上げもいまや7人のチームになっています。Alpacaの東京のチームはじぶんでいうのもあれですが、とても楽しく、技術的にも人間的にも素晴らしいメンバーが揃っていて、なんとかこのチームで結果をだしたいと日々もがいているところです。

去年を振り返ってみると、いままで気づかなかったことが自分のことが結構あります。

営業というのはとてもクリエイティブな仕事だった

日本ではやはり金融はエンタープライズビジネスの側面が非常につよいので、この前だしたAlpacaの175万ドルの資金調達のプレスリリースでも書いたとおり、東京はいまエンタープライズでAIをトレーディングに適用する部分に非常に力を入れています。ただ、この分野というのは、実際に試したことがある人はほとんどいないので、営業と言っても何か既存のソリューションを販売するというよりは、どの部分にAI(Alpacaでは機械学習+高速データストレージ技術と考えています)を利用するかがずっと重要になってきます。

www.alpaca.ai

この時点で、営業の仕事は販売から、如何に一緒にクリエイティブな議論を出来るかになってくるわけです。僕は金融ドメインは専門ではないので、時には鼻で笑われることもおおいのですが、それでも一緒に何かやってみようと言ってくださる方があって、仕事が成立していきます。こういう経験は、AI技術がそのドメインに浸透していく、まさにいまのタイミングしか経験できないので、自分にとっても非常に楽しい経験になりました。

スタートアップにおけるピッチ大会・アクセラレータについて

日本でAlpacaの名前を知ってもらうために2016年はたくさんコンテストにでました。その中でも、NVIDIAのGTC Japan2016で行われたECS(ディープラーニングを活用する企業のピッチ大会)とNRIハッカソン(企業枠で参加)でそれぞれ大賞・企業特別賞をいただきました。何度か経験するうちに、自分もピッチなれしてきて、どういう部分をアピールすればよいのかなど肌で感じて学ぶことができました。

また、MUFG Fintechアクセラレータでも準グランプリを取得と出場したコンテストではそれぞれ結果を出すことが出来ました。振り返ってみると、このようなコンテストを通してたくさんの出会いがあり、それを活かしてビジネスを加速してきたのですが、その中でもMUFG FintechアクセラレータはAlpacaの方向性を決めたと言っても過言ではないプログラムで、金融ドメインの知識がなかった自分にとっては非常に勉強になりました。

www.bk.mufg.jp

結構企業主催のアクセラレータに否定的な人もスタートアップ界隈にいたりして、また他のアクセラレータを経験したことがないので比較ができないのですが、このプログラムは本当に素晴らしいプログラムで、金融に少しでも関わる可能性があるスタートアップには全員チャレンジする価値があるといっても過言ではないと思います。技術はあっても、ドメイン知識がないケースで特に向いているとおもいます。

いよいよAlpacaも大きくなります

そんなわけで、いよいよAlpacaもビジネスの挑戦フェーズに入っていきます。ここからの半年の挑戦で結果がでるかどうか、まさに正念場と言って良い場面で、毎日ヒリヒリした感触を楽しんでいます。そんなAlpacaで、DevOps・バックエンドエンジニア、アプリケーション・フロントエンドエンジニア、機械学習エンジニアを大募集しています。間違いなく技術的にエッジの効いた環境でチャレンジできますし、AI X トレーディングという分野は本当にエキサイティングな領域なので、ぜひご興味ありましたらご応募ください。

www.wantedly.com

僕もここからのAlpacaのチャレンジを楽しんで行きたいと思います。


          ãƒ•ã‚£ãƒ³ãƒ†ãƒƒã‚¯ × AIのスタートアップAlpacaにJoinして1年たったので近況報告        

最近、全然ブログの更新ないですね、と友達に言われたので近況報告したいと思います。

さてさて、フィンテック X AIのスタートアップAlpacaにJoinしてそろそろ1年が経とうとしています。

以下のエントリーで書いたとおり、3月にオフィスとして丸の内のFinolabに6人部屋を借りたのですが、インターンも含めて人が増え、そろそろ部屋も満員になりそうです。

futureinsight.info

そもそも僕が入った時はAlpacaは画像認識をやっていましたが、その時点でどう考えても画像認識はGoogle、MS、IBMなどの巨人たちとのガチバトルになることが目に見えていました。当時、FintechやAIはまだ今ほどブームでもなく、どんなことになるかわからない状況でした。それでもフィンテック × AIに舵を切り、金融時系列に対する機械学習をコア技術にすることに決めてから基礎技術を確立するまで結局半年以上時間がかかりましたが、いよいよ技術が揃ってきてやりたいことができるようになってきたところです。

今日、ちょうどAlpacaのCTOの原田が以下のエントリーをAlpacaブログに掲載しました。これは非常におもしろいエントリーで一読推奨します。

blog-jp.alpaca.ai

金融時系列データに対して機械学習を適用する上でむずかしいことの一つは、リアルタイムのデータのデリバリーです。例えばデイリーの1日単位の時系列データに対して時間をかけて機械学習の手法を適用し、それのインデックスを作っておき、結果を見せるということならばそれほど難しくないわけです。しかし、トレーディングの意思決定は日に日に高度化・高速化しており、今は一分足のデータ(将来はTickデータ)に対する機械学習の適用が要求されます。

これは非常に難しい問題です。数千銘柄の金融時系列データに対して、リアルタイムにユーザーからの応答に応じて機械学習の手法を適用する方法論を確立するのは簡単なことではありません。DB・ビッグデータ関連のタレントが充実しているAlpacaも結局この環境を整えるのに半年くらいかかってしまいました。また、利用する機械学習の手法の選定もリアルタイム性が重要視されます。これもログなどから知見を取り出すことをメインとしているケースと比べると比較的珍しい要件なのではないかと思います。

上のエントリーの以下の一文が、この問題の難しさを物語っています。

データは刺し身のようなものです。できるだけ鮮度が高いうちに提供するのが一番。上記の通り、弊社では大量の投資アルゴリズムという生き物が大きな口を開けてマーケットから出てくる最新のデータを待っています。適切なデータを正しい宛先に最も早く届けることができなければ、アルゴリズムが生成できるデータの価値もどんどん低下してしまいます。

また、もう一つFintechのしかもトレーディング関連の機械学習をコア技術にしたスタートアップを行う上で難しいのは、リアルタイムのデータソースの確保です。この辺りの話は、ほとんど語られることがないのですが、実際にリアルタイムのデータをきちんと取得できる体制にするまではかなり大変です。Alpacaでも様々なデータソースを利用していますが、この部分をスタートアップが自力でWebサービスで利用可能な形(再配布・再利用の禁止があるとNG)で取得するのはこれまた大変です。

そんな諸々の問題を一つ一つ解決し、やっと金融機関の方々と具体的な話ができる機械学習の実行環境を整えることができるわけです。もしくは、いろいろな方にサービスを提供できるようになるわけです。まだまだ道は半ばですが、時間をかけて技術開発をしてやっとやりたいことができる環境になりつつあります。

そんなわけです、まだまだこれからですが、ぜひぜひ応援いただければと思います。Alpacaに興味あるインターン・エンジニアの方々いましたら、ぜひぜひご連絡ください。Finolabでコーヒーご馳走して、いろいろおもしろい話もできるかと思います。

www.wantedly.com


          ãƒªãƒ¢ãƒ¼ãƒˆãƒ¯ãƒ¼ã‚¯ã¨Alpacaの新オフィスの話        

以下のエントリーを書いたのだが、そういえば、こっちのブログは全く更新していないことに気づいた。

blog-jp.alpaca.ai

もうすでにAlpacaで半年くらいリモートワークをしていて、いよいよ丸の内にオフィスができるわけだが、 さすがに半年くらいリモートワークをするとリモートワークの勘所的なものもわかってくる。

以前、「強いチームはオフィスを捨てる: 37シグナルズが考える「働き方革命」」などを読んでリモートワーク に関してある程度理解をしていたと思って入るのだが、実際にやってみるとたしかにリモートワークというのは、 コツというものがある。

強いチームはオフィスを捨てる: 37シグナルズが考える「働き方革命」

強いチームはオフィスを捨てる: 37シグナルズが考える「働き方革命」

  • 作者: ジェイソン・フリード,デイヴィッド・ハイネマイヤー・ハンソン,高橋璃子
  • 出版社/メーカー: 早川書房
  • 発売日: 2014/01/24
  • メディア: 単行本
  • この商品を含むブログ (5件) を見る

まだ、第一に信頼できるメンバーであること。それは技術においてもそうだし、プロフェッショナルであるか という点においてもそうだ。きちんとわからない部分をわからないと早めに連絡し、技術的な検討をこなし、 わからない箇所ではまることを避けたり、曖昧な仕様を早めに整理できないと、そのロスがだんだん肥大化していく。 このロスはスタートアップでは、基本許容できないと思うので、単純にここをカバーできないなら、リモートワーク は基本するべきではないと思う。

じゃー、良いメンバーが揃っていればできるかというとそうでもない。例えば、メンバーの半分以上は一つの 拠点にいるけど、残りの数名がリモートワークをしているケース。これは、リモートワークをしているメンバー にとっては情報の偏りがかなり負担になってくる。

僕はこの問題をヘッドクオーター(原則意思決定を行う拠点)が存在するかの問題だと思っていて、ヘッド クオーターがあるとどうしてもそこで全てが決まっていくので、リモートワークに参加できるメンバーは 「意思決定にあまり参加しないメンバー」ということになっていく。これもスタートアップのスピード感に はあまりマッチしない。

と考えると意外にリモートワークはスタートアップには向いてないのではないか、という気になってくるが、 たぶん向いてないのだと思う。いや、まじで。

逆に、以下の2つを満たすというレアなケースにおいて、とても強力な手段になってくると思う。

  • 信頼できるメンバーで問題を早め早めに潰すことができる
  • ヘッドクオーター的な拠点がなく意思決定もリモートワークの方法論で行える

このあたりの機微をきちんと理解して、オフィスができてもリモートワークを活用していきたいなー、と 考えている。

そんなAlpacaですが、新しい丸の内オフィスで働いてくれるメンバー、特にデザイナーを大募集していますので、 興味ありましたら、ぜひご応募ください!

www.wantedly.com


          Offer B2B Fintech Solutions To Help Clients Grow Their Sales        
Help your B2B customers sell more, and you’ll become an indispensable partner. Fintech can make that happen.
          New Orleans Web Design & SEO Firm Now Has Face to Face Consultations        

Infintech Designs has managed over 450 web design projects and more than 100 successful SEO campaigns to date. The company provides customers with SEO and web design services that generate traffic to websites and provide users with a better browsing experience, and now Infintech Designs introduces face to face consultations specifically for New Orleans businesses.

(PRWeb February 04, 2015)

Read the full story at http://www.prweb.com/releases/new-orleans/web-design-company/prweb12436392.htm


          Los inversores FinTech más actuales de EE.UU.        
Así como el espíritu empresarial trata de irrumpir en el espacio FinTech con sus ideas, los Venture Capital o las entidades de capital riesgo compiten por encontrar el proyecto más prometedor. Mientras muchas nuevas empresas lanzan una idea o un producto en muchos lugares con la esperanza de atraer a algunos inversores, las FinTech startups … Leer
          Solactive FinTech 20 Index        
Os dejamos por aqui uno de los primeros indices creado para seguir el sector de fintechpor Solactive. Podeis ir a la pagina del fondo en esta direccion. Las empresas que componen a 13 de Octubre de 2015, son los siguientes
          Blockchain: Breaking Down Fintech’s Next Frontier        
  March 2017 – Volume 1, Issue 1  Blockchain: Breaking Down the Next Frontier in Financial Technology The Inception In the advent of an era where...
          Bitcoin Could Be Australia's New National Currency        
The blockchain industry is booming in Australia. Could Sydney become a global fintech epicenter?
          ä»Žfintech到regtech:金融新革命        
作为一股持续的火热力量,科技朝着金融“肌体”的强势渗透正催发出前所未有的壮丽景观——传统金融的商业模式与业务流程快速再造,全新金融业态与“肢体”加速架构,产品与服务迅疾迭代,金融科技喷薄而出。然而,在...
          4 métiers de la finance révolutionnés par les FinTech        

Il y a quelques mois, le cabinet de conseil PwC publiait les résultats d’une étude sur les FinTech, ces startups appliquant des innovations technologiques (intelligence artificielle, big data, etc.) aux services financers. Nous revenons aujourd’hui sur les résultats de cette publication, en tentant d’y apporter une analyse et un éclairage personnels. Une liste à prendre avec […]

Cet article 4 métiers de la finance révolutionnés par les FinTech est apparu en premier sur EasyCrowd - Solution de crowdfunding en marque blanche.


          Les FinTech, vous connaissez ?        

Vous connnaissez le crowdfunding (financement participatif), peut-être également le peer-to-peer lending (le prêt désintermédié), mais savez-vous que d’autres révolutions se préparent dans l’univers des services financiers. De nombreuses FinTech, ces startups spécialisées dans les moyens de paiement, la banque en ligne, l’assurance ou les devises électroniques se lancent et sont l’objet de toutes les attentions […]

Cet article Les FinTech, vous connaissez ? est apparu en premier sur EasyCrowd - Solution de crowdfunding en marque blanche.


          Fintech AML Requirements and Challenges in a Changing Environment        
Sponsored by When: June 29, 2017 Time: 12:00 – 1:00 PM ET Level: All Ongoing supervisory enforcement actions and monetary penalties have continued to pressure Fintechs to address AML risks head-on by understanding their unique risk, establishing a program commensurate with these inherent risks, and adapting as their business and environment evolve. This webinar will […]
          itBit Named to 2016 FinTech 100 by H2 Ventures and KPMG        
The Fintech 100 report, by H2 Ventures and KPMG,  gives an in-depth look into global companies that are taking advantage of technology and driving disruption within the financial services industry.
          China / Saudi-Arabien / Deutsche Bank        

Chinas Welteinfluss steigt: Auf dem Fintech-Markt, in Saudi-Arabien und bei der Deutschen Bank China: Zentrum der Fintech-Innovation "China ist zweifelsohne das globale Zentrum der Fintech-Innovation und -Adaption geworden. Zu dieser Erkenntnis sind die Experten der singaporischen DBS Bank und der Wirtschaftsprüfergesellschaft EY im aktuellen Report "Rise of FinTech in China" gelangt. Die Volksrepublik hat sich [...]

Der Beitrag China / Saudi-Arabien / Deutsche Bank erschien zuerst auf fondsvermittlung 24.de.


          MODAL VENTURA : Sektor Fintech Mendominasi        
JAKARTA? Asosiasi Modal Ventura dan Starup Indonesia atau Amvesindo mengatakan sektor financial technologi atau fintech bidang lending menjadi sektor paling dominan dalam penyertaan modal ventura.
          To what extent will fintech disrupt financial services?        

An interview at the recent economics conference of the Austrian central bank (OeNB) in Vienna

The post To what extent will fintech disrupt financial services? appeared first on John Kay.


          Î–ητείται Personal Assistant        
Harborx Ltd: Ζητείται Personal Assistant – Λεμεσός Company Introduction Harborx is a fintech start-up created with the mission to simplify currency trading (forex), making it fun and accessible to anyone with a mobile. With Harborx, learning the currency market and becoming a trader is possible within minutes. Harborx’s vision is that time spent on a mobile ...
          Weekly Essentials #011        

Test For the perfect start into this new week, we have gathered the most relevant and interesting news and the must-attend events throughout the fintech universe. Have fun with our essentials for this week! Chatbots were a huge topic several months ago, but besides the huge hype, the big breakthrough of that technology has not […]

Der Beitrag Weekly Essentials #011 erschien zuerst auf Babybadewanne.


          France’s Orange Digital Ventures launches €50 million fund to invest in Africa        

Orange Digital Ventures, the early stage investment fund of French telco giant Orange, is launching a new €50 million Africa-focused investment program for startups. The investment division, which will be led by a team in Dakar to be set up in September, is dedicated to verticals like fintech, IoT, energy, and e-health. It will invest […]

The post France’s Orange Digital Ventures launches €50 million fund to invest in Africa appeared first on Tech.eu.


          This Fintech Startup Is Making Dealing With Insurance Companies Less Miserable        
For most people, the thought of dealing with their life insurance carrier is akin to the idea of spending more time at the office—maybe it’ll help in some way, but it’s not worth the effort. Life.io hopes to changes that. The problem it solves, according to CEO Jon Cooper, is making interactions between life
          Connecting the best CEE startups with European VC funds at Campus Warsaw        

Central and Eastern Europe is rich with technical talent and a growing number of globally-minded startups, yet it is a fragmented region of over 150 million people, living in more than a dozen countries. When startups start to gain traction and think about scaling internationally, they face a problem on how to raise VC funds.  At the same time, global venture capital funds are searching for young companies to invest in, but often are unable to travel extensively across the CEE region.  

 Last  week Campus Warsaw, a Google space for entrepreneurs, hosted the first-ever CEE All Stars event to connect 40 of the region’s most promising startups together with 25 venture capital firms, making it the biggest fundraising event of its kind in all of Central and Eastern Europe.

Campus Warsaw’s mission is to connect the region’s entrepreneurs to global startup ecosystem and  directly support entrepreneurs with programs at every stage of the lifecycle.

When we launched 18 months ago, coworking hubs from Poland, Estonia, Czechia, Hungary, Lithuania and more CEE countries met to discuss how a network could support startups from the entire region. In the months that followed, we brought together startup hubs, accelerators, and early-stage venture capital firms to create a much-needed community--and conceived CEE All Stars as our flagship Community event.

CEE All Stars 3
Entrepreneurs and investors at CEE All Stars at Campus Warsaw

Each startup at CEE All Stars had the opportunity to briefly present its idea and business model to potential investors during pitching sessions, followed by individual 1:1 meetings: “During the 2 day intensive event, I was able to have 16 meetings with VCs, something I usually make in a year on my own” said one of the founders present at the event.

CEE All Stars 2
Entrepreneurs and investors at CEE All Stars at Campus Warsaw

While the startups at CEE All Stars come from the same region, they are quite a diversified group across different industries and different stages of business.

  • We hosted startups launched five years ago (such as Latvian Sellfy) and five months ago (Estonian Shipitwise);

  • Those who have already experienced a great success on the market (e.g. PublishDrive, an e-book publisher that has just been chosen for LaunchPad Accelerator program, or Funderful, which provides services to universities including Oxford, Cambridge and Berkeley) and those who have just reached profitability.

  • They represent a wide range of industries from fintech (Czech BudgetBakers or Lithuanian Welltrado) or health (Estonian SoterAnalytics) to travel (Polish BeforeYouGo or Czech ClaimAir) and culture (Lithuanian Bescouted or Polish Flowbox).

  • Some pitched cutting-edge technology, e.g. Wolf3D, which creates truly realistic avatars to represent people in VR, or iGreet, using Augmented Reality to produce cards that provoke increased emotional experience.

What they all have in common is courage, a passion for innovation and hunger for international success.

We were blown away by the talent, and hope that in a few years’ time, when startups present at Campus Warsaw this week look back, they will consider CEE All Stars as a milestone in the development of their business. We also look forward to replicating this type of fundraising event together with other regional coworking hubs. CEE All Stars hosted by Campus Warsaw may be the first of its kind--but we have a feeling it won’t be the last.


          The Essentials of FinTech Kit - 2017 Edition        
The Essentials of FinTech Kit – 2017 Edition brings together the latest in information, coverage of important developments, and expert commentary to help with your FinTech related decisions.

The following kit contents will help you get the most out of your FinTech research:
  • The Big Security Threats Your Organization Needs to Take Seriously Now
  • In-The-Wild Digital Testing
  • How to Become a Data Governance Expert
  • Windows 10: 4 Ways to Ensure Smooth Windows 10 Migration


Request Free!

          Global solutions platform Kaplan acquires AI startup Red Marker        
Sydney-based artificial intelligence (AI) startup Red Marker has been acquired by Florida-based global education and corporate solutions platform Kaplan Professional. The acquisition enables Kaplan to offer compliance solutions in the fintech sector through the use of artificial intelligence. The deal will work to create tools that will help financial advisors identify risks associated with financial […]
          Investment in Australian FinTech firms witnessed over 200% YoY increase in 2016: KPMG        
The KPMG results of a “Pulse of Fintech” report for quarter 4, 2016 have been released today. In the report, the auditing firm provides a financial recap of 2016 and additionally, highlights key trends and opportunities for 2017. The KPMG report examines the worldwide performance of the fintech sector, stating “overall, 2016 was a challenging […]
          PromisePay rebrands to Assembly Payments and collaborates with Gumtree to unveil new service        
Melbourne-based fintech firm PromisePay has declared a change in its name— henceforth, branded as Assembly Payments and alongside, striking a deal with eBay-owned Gumtree. The partnership will enable customers to use local, home services such as skilled tradesmen, cleaners, and machine repairers. With Gumtree Connect browsers, users can find and request services through the app, […]
          2016 Startup Muster survey highlights emerging fields of fintech, AI, IoT        
The 2016 Startup Muster survey results are in, providing key insights into the startup scene in Australia. The Startup Muster is the largest survey on the Australian startup ecosystem, which measures and publishes the challenges and opportunities in the industry, and aims to demonstrate and accelerate impact. The results are subject to an extensive validation […]
          Blockchain Fintech: Programmable Risk and Securities as a Service        
Access instead of Ownership
One of the most radical and potentially disruptive ideas for the near-term blockchain financial services market is Securities as a Service. Consider the music industry, where in the past, it was quite normal to purchase and own records and CDs, but now music is often accessed through digital media services like Spotify. There is access to music, but not much thought of ownership. “Listening to music” is the consumable asset, which is priced per network models for its access and consumption. Autos are in the middle of a similar transition now, where the asset “transportation” may be more readily fulfilled by services such as Uber, including by autonomously-driven vehicles. In the future, securities and other hard assets could be similarly presented to the market as a service. Securities could be the kind of asset where the “access to the benefit provide by the asset” is the consumable good, not the ownership of the asset. Financial services could thus have a shift from transaction-based pricing to services, as has been the case in other industries. The key point is focusing on the economic conditions under which securities as a service would start to make sense. The only reason securities ownership is required now is because the future value of assets is highly uncertain. The only way to feel comfortable about the future value of assets is by owning them. However, if the future value of assets were more assured, or really the access to the benefits conferred by assets were assured, then ownership might be obviated, and the benefits of securities ownership could be delivered as a service.

Future of Finance: Decentralized Blockchain Smartnetworks
One of the deeper philosophical implications behind the fintech innovation of blockchain is that all economic and financial concepts might be questioned and rethought. This includes risk, value, uncertainty, probability, resources, assets, liabilities, interest, time, transaction, and exchange. The current economic and financial systems are just one way that we have thought about organizing access to resources, and responding to the assumed problem of the protection of the future value of assets, but there could be others, including those that are non-hierarchical and decentralized. One salient question is what risk might mean in decentralized financial networks. The idea that risk would somehow become decentralized too (i.e.; more manageable and predictable, and possibly even decreased or evaporated) since assets can be settled instantaneously via blockchain, is perhaps facile. It is more likely that risk is shifted to other dimensions that need to be articulated. The notion of risk needs to be rethought in a different conceptualization that involves network ecologies. Risk is just one effect of decentralized networks. Other parts of the overall financial services structure are changing too, and also mindset paradigms. There are already some key mindset shifts starting to occur at the systemic level to support a transition to decentralized networks. In economics, these include shifting from labor to fulfillment as the object of productive activity in the economy, scarcity to abundance, and centralization to decentralized network models. In finance, these include moving from ownership to access, point values to topological ranges, and insufficiency to assurity.

Rethinking Risk: Greater Correlation in Blockchain Financial Markets?
One of the key risks of blockchain technology that is not yet being discussed is the implications for systemic risk. With blockchain making the financial sector more tightly integrated, markets and trading instruments might be even more correlated than they already are. The fear is that at worst, it could be that distributed ledgers operated by algorithmic smart contracts could essentially turn the market into one giant HFT (high-frequency trading) vehicle. Already, without current fintech advances, black swan events in markets indicate that what might seem to be diversified portfolios are not, and that regional markets, asset classes, and time frames are much more correlated than imagined. Systems-level complexity simulations of market behavior would be useful. One perspective is that more tightly-correlated financial markets could be seen as progress. As finance moves into the automation economy as itself an automated operation of efficiency, it could behave more like a utility than a margin-rich business. This could trigger significant disruption in the structure of financial and investment services industries. This would be fine if overall risk were also declining, but corresponding steps to reduce global risk such as orchestrating an orderly transition to the automation economy do not seem to be contemplated.

Very-large Potential Impact of Blockchain Fintech
Decentralized networks like the Internet have been one of the most powerful technological arrivals in the contemporary era. Whereas the first phase of the Internet allowed the transfer of information, the next phase focuses on the secure transfer of value such as money, property, securities, and hard assets, particularly via blockchain technology. Blockchain’s secure value transfer functionality provides a significant opportunity to transform some of the last remaining sectors not yet re-engineered for the Internet era such as economics and finance. The status of blockchain fintech adoption is companies re-inventing the financial services value chain around money and data transaction touchpoints. Any organization conducts operations in a network of money, information, and data coupling points, mostly in repetitive processes. There are two levels to business processes: 1) decision-making and 2) execution and administration, the latter of which might be securely automated with blockchain-based smart contracts. Currently, the most successful financial industry implementations of blockchain fintech are those companies who are already addressing how to fundamentally re-engineer their business models for new opportunity, not merely update their operations for efficiency. In a blockchain economy, financial asset-related (and indeed all) value chains could become increasingly streamlined and automated, obsoleting many current intermediary functions such as custody, titling, and insurance. These functions could be replaced by algorithms and smart contracts. Companies across the financial landscape are realizing that blockchain is not a separate industry as much as a new underlying technology with applications in every sector. Internally, this can mean applications for cost-savings, for example in quality assurance, test, audit, compliance, sales quoting, finance, treasury, accounting, and expense management. Externally, developing a leadership edge can include offering blockchain-based services to clients, and leading industry-wide blockchain initiatives for digital value transfer across the network value chain.

Singularity Global Summit Slides: Blockchain Smartnetworks: The Future of Finance and the Automation Economy

Melanie Swan is speaking at the Economist’s Disrupt Finance conference in New York on October 13, 2016. She is a philosopher and economic theorist at the New School for Social Research in New York, and committed to the beneficial use of technology for global impact. She has an MBA in Finance from the Wharton School of the University of Pennsylvania, and is the author of the best-selling book: Blockchain: Blueprint for a New Economy.

          Blockchain Travel Apps        
Cryptocurrencies such as Bitcoin and blockchain technology could have many useful and novel applications in the travel industry, for both individuals and business travelers, and also host destinations that are interested in attracting visitors.

1. Money - The first and most obvious blockchain travel application is money, taking advantage of Bitcoin or other cryptocurrencies for digital payments. Foreign currency exchange is an expensive hassle, and it could be much easier to pay with Bitcoin directly from a smartphone, when possible. If it is not possible to pay with Bitcoin, another crypto money application is obtaining local currency through worldwide Bitcoin ATMs or converting money from Bitcoin to local currency through a crypto exchange. Loyalty programs could be another crypto application, where blockchains could track point-garnering activity as it occurs, possibly denominated in crypto token that could be easily fungible and readily convertible to awards.

2. Passport - Another crypto travel application is storing important documents on the blockchain such as passports, visas, permits, identification cards, and driver’s licenses. One benefit is that documents presented in person could be confirmed with an Internet look-up of their blockchain-registered version. Another benefit is having easily-accessible back-up copies in the event of loss. Other new ideas expand the traditional notion of identity, for example beyond nation state citizenship, world citizenship (projects proposed by Bitnation and Chris Ellis) and Estonia’s e-Residency program. Beyond identity documents, it could also be helpful to have immunization records and EMRs (electronic medical records) accessible by blockchain.  

3. Reservations - Managing all of the many details of travel - flight, accommodation, transportation, and tour reservations – can require a lot of coordination that might be managed seamlessly by a Travel DAC (distributed autonomous corporation). This blockchain-based package of smart contracts could track, orchestrate, and update changes in travel details and keep travelers on top of their schedules. This would be like having a more extensive version of TripIt (multiple travel reservations in one application including automated status-updating) with blockchain-based AI functionality. A Travel DAC for business travelers could feature expense-tracking and reimbursement. Other Travel DAC applications could include monitoring airline prices for optimal dates or routes, and suggesting vendors per user preferences, such as those that accept cryptocurrency (for example LaZooz as opposed to Uber, or decentralized alternatives to Airbnb).  

4. Insurance and Provenance - Travel insurance could be selected through decentralized peer-to-peer based alternatives to traditional insurance that might be cheaper and offer more certainty in the case of claims payout dates and amounts. Blockchain-based peer-to-peer dispute resolution mechanisms also might be employed to adjudicate travel claims. Another application when purchasing an item for example, could be validating the item’s provenance (origin) through a quick blockchain look-up using item-tracking functionality from Provenance (or in industrial use cases, SKU Chain).

5. Disaster - In special cases such as natural disasters, blockchain-based applications could be indispensable in coordinating and tracking aid donations and supplies to their end recipients. ‘Disaster chains’ could also be used to help in managing volunteers, facilitating rescue-tracking, and even possibly getting around the scalability issues of overly-taxed communications networks in the case of disasters (with lighter-weight communications messaging).

          Blockchain Financial Networks: Rethinking Risk and Finance with Automated Value Transfer        
Internet transfers Information, and now Value
Blockchains are important because they constitute the next phase of the Internet, not just transferring information, but now transferring value: money, assets, and contracts. Blockchains are secure distributed ledgers, which can be implemented as globally-distributed financial networks. Ultimately, blockchain financial networks could automatically and independently confirm and monitor transactions, without central parties like banks or governments.

Fast-moving Crypto-economy

The crypto-economy is evolving quickly and it is crucial to watch and actively participate because
the uptake of blockchains could be extremely rapid, particularly by institutions. The crypto-economy is important to watch because:

  1. whereas a year ago crypto-technology was heresy, it is now becoming commonplace
  2. blockchains as a modernizing technology have a pervasive reach – including all cash, financial instruments, and contracts in economics and finance; and all legal, legislative, political, and governance operations 
  3. the decentralized structure of crypto-technology implies a reorganization of the existing financial system; and eventually, political system

The key benefit of blockchains as a modernizing technology is that they allow assets to be transferred immediately, not taking 3 days to settle (t=0, not t+3). This has a number of efficiency improvements including decreasing counterparty risk, reducing cost, improving liquidity, and instilling trust in the system.



Rethinking Risk
Blockchains, crypto-economics, and decentralization invite an explicit reconsideration of risk. Four risk regimes can be identified ranging from 1) traditional mutuality risk models (Lloyd’s of London) to 2) classical portfolio theory (CAPM, efficient frontiers, trinomial tress, value-at-risk) to 3) black swan risk models (more frequent unpredictable outsized events) to now 4) decentralized risk models. As we rethink the world of science through complexity, now too complexity is a model for rethinking risk. Part of the more robust consideration of risk is moving to a conceptualization of causality that is not exclusively straightforward and linear. Complexity math allows a rethinking of risk in decentralized network models of consensus trust.

Rethinking Finance
An institutional crypto-economy also calls into question the definition of finance. Finance can be seen as a spot and future contingency management system for assets and liabilities. In this definition, blockchains are improved form of contingency management, with greater precision, automation, and lower-risk. The Internet becomes a contingency management system with programmable money, smart contracts DACs, and distributed ledger transactions, all contributing to automated value transfer.



Realizing the Automation Economy
Distributed ledgers allow a more serious move into the Automation Economy, via secure value transfer previously unavailable with the Internet. Internet 1.0, the ‘non-secure’ Internet allowed the automation of several sectors such as news, information, entertainment, manufacturing, and to some extent health. Now Internet 2.0 seen as secure value transfer networks could facilitate the automation of the entire economic, money, finance sectors, as well as government, politics, and legal services. What is at stake is a fair and orderly transition from the Labor Economy to the Automation and Actualization Economy.
Automated value transfer is the bigger project of decentralization, algorithmic trust, and the automation economy.

          11 South African FinTech Startups Innovating In The Payments Space        
In 2016 $5.5bn of venture capital investment went into payments startups. This represented 22% of global fintech investment activity. In South Africa, payments still dominate the fintech landscape. We are seeing a tremendous amount of innovation in payments as SA consumers seek new ways to transact. Due to SA’s sophisticated banking infrastructure, we possess strong […]
          Oxford University, GetSmarter launch fintech programme        
The Saïd Business School at the University of Oxford and South African e-learning company GetSmarter have launched a new online fintech programme that helps executives launch new fintech ventures and harness new technology to build better financial services firms. The programme examines current and emerging technologies around money and payments, markets and consumer experience, and explores key […]
          Reinventing Banking for Speed and Security        

The Challenge: Maintaining a competitive edge, while increasing customer loyalty in a rapidly changing digital world.

Expectations of retail and commercial bank customers are changing. Banks are now expected to offer a superior digital experience, customized for each customer's personal preferences, that provide solutions and financial services to customers—not just transactions. To remain competitive in the modern marketplace, they must transition from a purely transaction-based business model to deliver data-driven, meaningful experiences to the modern consumer.

Shaped by the recession and student loan debt, millennials are having a massive effect on the financial industry, more so than any generation before. Legacy banks have been disrupted by savvy fintech startups, like Venmo, who have changed how society is interacting with money. Banks, and even older financial tech companies like PayPal, have recognized the need to evolve fast and often to meet the ever-changing demands of digital natives. IT in particular are under immense pressure to speed up web and mobile banking response times and to develop new apps to meet customer needs in real-time. Many are seeing the benefit of developing partnerships with third-party financial services providers to meet these needs. 

These shifting consumer demands are driving a digital revolution across all industries. For banks specifically, millennial consumer behavior is putting increasing pressure on the IT infrastructure of banks to rapidly create, capture, and process growing volumes of data—and analyze it in real-time so banks can better serve this new generation.

What are the key drivers for better banking IT infrastructure, and how can banks build it efficiently? For one thing, infrastructure must address the growing needs of the modern consumer and be flexible enough to adapt to unknown disruptions of the future.

  • Retail customer trends is placing pressure on old banking IT infrastructure. Retail banking customers increasingly rely on digital access to their banks. For example, more than 68% of millennials say desktop or mobile is their most frequent channel of interaction with their banks. Banks are upgrading their legacy infrastructure for improved speed and performance as well as developing apps to be used for more complex proceses like financial planning, loan applications, and portfolio asset management. These apps generate vast amounts of data, and require fast processing speed so that users can manage, send, or receive their money in real time. Because you don't want to get in way of someone and their money.
  • New ways to pay require stability and security. Alternative payments are taking hold with consumers, and banks are having to accommodate their expectations. The use of mobile wallets is projected to grow, for example iPay and Google Wallet, from 19.4% of U.S. smartphone users in 2016 to 33.1% by 2020. And person-to-person (P2P) payments like Venmo and Square's new Cash App have become increasingly commonplace. To remain competitive, many banks are now offering P2P payment services to their customers, often white-labeling through third-party providers to meet needs immediately. While these alternative payments may often flow through non-bank providers, a connection to banks’ systems is usually required for processing payments through bank accounts or bank-issued credit cards. These connections add to the complexity of the banking IT ecosystem—and increases the load on banks’ IT infrastructure. These systems must maintain the highest levels of security and stability in order to meet business continuity demands.
  • Regulations have recently favored open banking, with financial services that were once the exclusive domain of banks now being offered by third-party providers. These providers may at the same time be partners and competitors of banks. It will be interesting to see how this relationship evolves over time.

These are just a few ways that the financial industry is changing due to shifting customer behavior and values. Banks that cannot keep pace with the rate of change associated with digital transformation risk becoming irrelevant. Sanjay Mathew, Senior Director of Financial Services Industry and Oracle, noted the rise of consumer input that is shaping the future of retail banking.

"Customers and external influencers," Mathew notes, "potentially numbering in the millions—should be invited to share their ideas, too. For example, with advanced innovation management tools, banks such as BankMobile and Santander are holding idea contests, asking customers to submit ideas and giving them a chance to share in the excitement when those ideas come to life."

Without that type of bank-customer collaboration, consumers are already running out of patience at banks' lack of adaptation to a new digital future; voting with both their wallets and their notion of trust. The statistic that 60% trust banks (and is probably declining) rocks the very assumption and currency banks have around their role in the global economy.

Caveat: Banks now require more data storage and processing power thank ever before

As these forces put pressure on data storage and processing capabilities, many banks are making the transition to the cloud—but still have large legacy on-premises data centers and applications. Regulations governing data residency and security make a hybrid on-premises/cloud model appealing, in which functions and applications that are not business critical operate in the cloud, while regulated, sensitive data and applications remain on-premises. But, as reported in a recent survey of IT decision-makers at financial organizations, “it is expected that as digitalization continues to dominate and organizations progress with writing their own applications, the industry will see the value in transitioning” to the cloud for faster application development and greater agility to respond to customer demands.

To prepare, bank IT systems need to be architected in such a way that on-premises data storage and applications can be seamlessly transitioned to the cloud.

The Solution: Build the banking infrastructure of tomorrow

IT budgets are not getting any bigger, so how can banks efficiently build an IT infrastructure that meets current and future regulatory and customer demands?

  1. Opt for technology stack comprised of engineered systems. Engineered systems include hardware and software designed to work together with very high processing speeds and reliability. Engineered systems provide the performance that modern banks are looking for in simple, pre-configured packages, allowing valuable internal IT resources to focus on other high-priority initiatives.
  2. Limit the number of vendors for IT infrastructure projects. This will free up resources so IT can focus on strategic improvements rather than dealing with multiple vendors. Managing multiple vendors with hardware and software solutions that are not designed to work with each other can add cost and time to projects.
  3. Create on-premises data storage systems and applications with exact, fully compatible cloud counterparts. This not only reduce the level of effort required by the IT department, but also allows public and private clouds to work together seamlessly and limit complexity when moving workloads to the public cloud.

Oracle Engineered Systems Help Banks Remain Relevant to Customers

Oracle Engineered Systems, which includes systems like Oracle Exadata and