Innovation in financial services

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Tallinn University of Technology

Public lecture in University of Tartu about financial innovation.

Economy & Finance

INNOVATION IN
FINANCIAL SERVICES
Marek Pajussaar
17.04.2017

ABOUT ME
Marek Pajussaar
►Born September, 1984.
►Currently Securities Market Risk Manager at Estonian
Financial Supervision Authority.
►Heading FinTech Working Group.
►Final stretch of M.A. in Corporate Finance.
►B.A. Public Administration, B.A. Accounting and
Finance

OUTLINE
Innovation
in finance
01
FinTech
formula
02
Consumer
Vs Innovator
Vs Regulator
03
FinTech
Examples
04
Marek Pajussaar - pajussaar@gmail.com

DISCUSSION
What is the
role of
finance?
What is
innovation?
Marek Pajussaar - pajussaar@gmail.com

Robert James "Bob" Shiller
►Born March, 1946.
►Received the 2013 Nobel Memorial
Prize in Economic Sciences, for
empirical analysis of asset prices.
►An American economist, academic
and best-selling author.
►Ranked among the 100 most
influential economists of the world.
►Currently serves as a Sterling
Professor of Economics at Yale
University and is a fellow at the Yale
School of Management's
International Center for Finance.
Marek Pajussaar - pajussaar@gmail.com

INNOVATION IN FINANCE
Marek Pajussaar - pajussaar@gmail.com
Government, Politics,
Regulation
Social structure
Economy Technology
Industry structure

Alan Greenspan
►Born March, 1926.
►Chairman of the Federal Reserve
under Presidents Ronald Reagan,
George H. W. Bush, Bill Clinton and
George W. Bush.
►An American economist.
►Currently works as a private adviser
and provides consulting for firms
through his company, Greenspan
Associates LLC.
Marek Pajussaar - pajussaar@gmail.com

Paul Adolph Volcker Jr.
►Born September, 1927.
►Chairman of the Economic
Recovery Advisory Board under
President Barack Obama.
►An American economist.
►Chairman of the Federal Reserve
under Presidents Jimmy Carter and
Ronald Reagan.
►He is widely credited with ending
the high levels of inflation seen in
the United States during the 1970s
and early 1980s.
Marek Pajussaar - pajussaar@gmail.com

Nicholas C. Barberis
►Born September, 1971.
►Stephen & Camille Schramm
Professor of Finance at the Yale
School of Management.
►A British mathematician, economist
and academic.
►His research focuses on behavioral
finance and in particular, on
applications of cognitive
psychology to understanding the
pricing of financial assets.
Marek Pajussaar - pajussaar@gmail.com

FILM RECOMMENDATION
Marek Pajussaar - pajussaar@gmail.com

FINTECH
E
GF
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
„We tend to overestimate the effect of a technology
in the short run and underestimate the effect in the
long run.“
Roy Amara
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
Application
Programming
Interface
Big Data Blockchain Internet of
Things
Machine
Learning
Cloud
Computing
Marek Pajussaar - pajussaar@gmail.com

FACILITATORS
Marek Pajussaar - pajussaar@gmail.com

DISCUSSION
Marek Pajussaar - pajussaar@gmail.com
What are the current consumer
expectations?
Simplification Transparency Analytics Less friction

GO-GETTERS
Marek Pajussaar - pajussaar@gmail.com

FINTECH
Enablers
Go-gettersFacilitators
Marek Pajussaar - pajussaar@gmail.com

Enablers Facilitators
Go-
getters
REGULATOR (i.e. THE STATE)
Marek Pajussaar - pajussaar@gmail.com

REGULATOR (i.e. THE STATE)
Marek Pajussaar - pajussaar@gmail.com
►User privacy
►Financial literacy and knowledge
►Digital literacy
►Innovation Hub
►Sandbox

REFERENCES
Marek Pajussaar - pajussaar@gmail.com
►Haliassos, M. (2013). Financial Innovation : too much
or too little? Cambridge, MA: The MIT Press.
►finextra.com
►disruptivefinance.co.uk
►thefinancialrevolutionist.com
►dailyfintech.com
►techmeme.com

INNOVATION IN
FINANCIAL SERVICES
Marek Pajussaar
pajussaar@gmail.com

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Yes this is possible i will explain later on. Right now as we well know. We are still in the enclosed mainnet of pi network. So pi coins is not listed yet on any exchange. So right now. The only way to sell pi coins is by trading with a verified pi merchant. What is a verified pi merchant? A verified pi merchant is someone who buys pi network coins and resell them to exchanges supply chain and crypto whales. Now since pi network is not doing any pre-sale or ico offerings. The only way exchanges like huobi or htx can get pi is by mining pi coins or buying from miners. Now since its impossible for an average miner to contact an exchange supply chain. Pi network provided merchants and vendors who stand in between the miners and the exchange network. This is just a brief of our it works. I will leave the contact of my personal pi merchant. Thats if you are interested in selling the pi coins. 👇 Tele gram- @Pi_vendor_247 Here it is. I myself have traded more than 10k pi coins successfully in the enclosed mainnet. All thanks to credibility. #pi #pinetwork #pisell #sellpi #pinetwork #picoins #pinetworkcurrency #howtosellpi

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Can I exchange pi coins for usdt on HTX Well you can sell your pi coins easily. But not on HTX exchange because we are still in the enclosed mainnet. Exchanges like binance are only displaying the price not actually trading them. ✅ How can i sell my pi coins? Well right now in the enclosed mainnet miners are allowed to barter pi coins with merchants, What is a pi merchant? Since pi network is not doing any crypto presale or ico offerings, the only way exchanges like binance and huobi can get pi is by buying from miners. So a merchant is a verified pioneer who facilities the transactions between miners and exchanges supply chain.. ✅ How can i sell my pi coins to a merchant or how to find them? To avoid issues or pondering i will glady leave the contact of my personal pi merchant. I have traded more than 6k pi coins successfully in the enclosed mainnet without having issues. 👇 Telegram --- @Cryptopioneer1 Thanks for your time. And have a nice day. Meldin cares.

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How do I sell my Pi Network currency? Yes this is possible i will explain later on. Right now as we well know. We are still in the enclosed mainnet of pi network. So pi coins is not listed yet on any exchange. So right now. The only way to sell pi coins is by trading with a verified pi merchant. What is a verified pi merchant? A verified pi merchant is someone who buys pi network coins and resell them to exchanges supply chain and crypto whales. Now since pi network is not doing any pre-sale or ico offerings. The only way exchanges like huobi or htx can get pi is by mining pi coins or buying from miners. Now since its impossible for an average miner to contact an exchange supply chain. Pi network provided merchants and vendors who stand in between the miners and the exchange network. This is just a brief of our it works. I will leave the contact of my personal pi merchant. Thats if you are interested in selling the pi coins. 👇 Tele gram- @Cryptopioneer1 Here it is. I myself have traded more than 10k pi coins successfully in the enclosed mainnet. All thanks to credibility. #pi #pinetwork #pisell #sellpi #pinetwork

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Yeah. You can withdraw pi coins. But know this pi is not launched yet on any exchange, that is you can't actually trade pi coins. Because you are in the enclosed mainnet. But i and my friends were able to trade more than 5000 pi coins successfully, through the help of a verified pi merchant. What is a pi merchant? A pi merchant is someone allowed to buy pi network coins and resell them to investors and exchanges looking forward to hold massive amounts of pi coins before mainnet launch in 2026. Since pi is not doing any presale or ico offerings. The only way exchanges like binance huobi can get pi is through buying from miners. This way money is circulated throughout the pi community. I Will leave the telegram handle of my personal pi merchant to trade pi coins easily. @Pi_vendor_247 Trade your pi coins at the best rate ✅

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you cannot directly sell Pi Network coins in India or anywhere else, cause we are still in the enclosed mainnet of pi network. So right now. The only way to sell pi coins is by trading with a verified pi merchant. What is a verified pi merchant? A verified pi merchant is someone who buys pi network coins and resell them to exchanges supply chain and crypto whales. Now since pi network is not doing any pre-sale or ico offerings. The only way exchanges like huobi or htx can get pi is by mining pi coins or buying from miners. Now since its impossible for an average miner to contact an exchange supply chain. Pi network provided merchants and vendors who stand in between the miners and the exchange network. This is just a brief of our it works. I will leave the contact of my personal pi merchant. That's if you are interested in selling the pi coins. 👇 Tele gram- @Cryptopioneer1 Here it is. I myself have traded more than 10k pi coins successfully in the enclosed mainnet. All thanks to credibility. #pi #pinetwork #pisell #sellpi #pinetwork #india

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Currently there's no exchange to sell your pi coins, right now as we well know. We are still in the enclosed mainnet of pi network. So pi coins is not listed yet on any exchange. So right now. The only way to sell pi coins is by trading with a verified pi merchant. What is a verified pi merchant? A verified pi merchant is someone who buys pi network coins and resell them to exchanges supply chain and crypto whales. Now since pi network is not doing any pre-sale or ico offerings. The only way exchanges like huobi or htx can get pi is by mining pi coins or buying from miners. Now since its impossible for an average miner to contact an exchange supply chain. Pi network provided merchants and vendors who stand in between the miners and the exchange network. This is just a brief of our it works. I will leave the contact of my personal pi merchant. Thats if you are interested in selling the pi coins. 👇 Tele gram- @Cryptopioneer1 Here it is. I myself have traded more than 10k pi coins successfully in the enclosed mainnet. All thanks to credibility. #pi #pinetwork #pisell #sellpi #pinetwork #exchange

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According to the latest State of the American Manager report from Gallup, employees who have regular meetings with their managers are almost three times as likely to be engaged as those who don’t. These regular check-ins keep managers and employees in sync and aligned. Want to see better manager/employee relationships in your organisation? Then make an all-in commitment to 1:1 meetings. Not sure how? You’ve come to the right place. In this webinar with Jamie Resker, Founder and Practice Leader for Employee Performance Solutions (EPS), and Teala Wilson, Talent Management Consultant at Saba Software, you’ll get the inside track on how to hold effective 1:1 meetings, including tips for getting managers on board. • Go beyond discussing the status of everyday work to higher level topics, including recognition, performance, development, and career aspirations • Learn how to decide meeting frequency, what to cover, as well as roles and responsibilities of the manager and employee • Understand how managers can build trust and make it comfortable for employees to provide upward feedback • Unite your organisation with a unified approach to 1:1 meetings Join us for this 1-hour webinar to get practical tips for building better manager-employee relationships with intention and purpose. About the Speakers Jamie Resker - Founder and Practice Leader for Employee Performance Solutions (EPS) Jamie Resker, Practice Leader and Founder of Employee Performance Solutions, is a recognized innovator in performance management. She is the originator of the-the Performance Continuum Feedback Method® and Conversations to Optimize Employee Performance training program; tools and training that reshape communications between managers and employees to drive and align performance. Jamie is on the faculty for the Northeast Human Resources Association, is a contributor to Halogen Software's Talent Space Blog, and is an editorial advisory board member for HR Examiner. Teala Wilson - Senior Consultant, Strategic Services, Saba Software Teala is a Talent Management Consultant at Halogen Software, now a part of Saba Software. She has worked with teams on a national and global level supporting human resources in areas such as performance management, recruitment, employee benefit programs, training and talent development, workforce planning and internal communications. Teala also has a personal passion for visual arts and design. Want to learn more? Join us for an upcoming Product Tour! http://bit.ly/2yitfqu

Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well

Saba Software

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Barbie - Brand Strategy Presentation

Good Stuff Happens in 1:1 Meetings: Why you need them and how to do them well

Innovation in financial services

1. INNOVATION IN FINANCIAL SERVICES Marek Pajussaar 17.04.2017

2. ABOUT ME Marek Pajussaar ►Born September, 1984. ►Currently Securities Market Risk Manager at Estonian Financial Supervision Authority. ►Heading FinTech Working Group. ►Final stretch of M.A. in Corporate Finance. ►B.A. Public Administration, B.A. Accounting and Finance

3. OUTLINE Innovation in finance 01 FinTech formula 02 Consumer Vs Innovator Vs Regulator 03 FinTech Examples 04 Marek Pajussaar - pajussaar@gmail.com

4. DISCUSSION What is the role of finance? What is innovation? Marek Pajussaar - pajussaar@gmail.com

5. Robert James "Bob" Shiller ►Born March, 1946. ►Received the 2013 Nobel Memorial Prize in Economic Sciences, for empirical analysis of asset prices. ►An American economist, academic and best-selling author. ►Ranked among the 100 most influential economists of the world. ►Currently serves as a Sterling Professor of Economics at Yale University and is a fellow at the Yale School of Management's International Center for Finance. Marek Pajussaar - pajussaar@gmail.com

6. INNOVATION IN FINANCE Marek Pajussaar - pajussaar@gmail.com Government, Politics, Regulation Social structure Economy Technology Industry structure

7. Alan Greenspan ►Born March, 1926. ►Chairman of the Federal Reserve under Presidents Ronald Reagan, George H. W. Bush, Bill Clinton and George W. Bush. ►An American economist. ►Currently works as a private adviser and provides consulting for firms through his company, Greenspan Associates LLC. Marek Pajussaar - pajussaar@gmail.com

8. Paul Adolph Volcker Jr. ►Born September, 1927. ►Chairman of the Economic Recovery Advisory Board under President Barack Obama. ►An American economist. ►Chairman of the Federal Reserve under Presidents Jimmy Carter and Ronald Reagan. ►He is widely credited with ending the high levels of inflation seen in the United States during the 1970s and early 1980s. Marek Pajussaar - pajussaar@gmail.com

9. Nicholas C. Barberis ►Born September, 1971. ►Stephen & Camille Schramm Professor of Finance at the Yale School of Management. ►A British mathematician, economist and academic. ►His research focuses on behavioral finance and in particular, on applications of cognitive psychology to understanding the pricing of financial assets. Marek Pajussaar - pajussaar@gmail.com

10. FILM RECOMMENDATION Marek Pajussaar - pajussaar@gmail.com

11. FINTECH E GF Marek Pajussaar - pajussaar@gmail.com

12. ENABLERS Marek Pajussaar - pajussaar@gmail.com

13. ENABLERS „We tend to overestimate the effect of a technology in the short run and underestimate the effect in the long run.“ Roy Amara Marek Pajussaar - pajussaar@gmail.com

14. ENABLERS Application Programming Interface Big Data Blockchain Internet of Things Machine Learning Cloud Computing Marek Pajussaar - pajussaar@gmail.com

15. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

16. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

17. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

18. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

19. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

20. DISCUSSION Marek Pajussaar - pajussaar@gmail.com What are the current consumer expectations? Simplification Transparency Analytics Less friction

21. GO-GETTERS Marek Pajussaar - pajussaar@gmail.com

22. FINTECH Enablers Go-gettersFacilitators Marek Pajussaar - pajussaar@gmail.com

23. Enablers Facilitators Go- getters REGULATOR (i.e. THE STATE) Marek Pajussaar - pajussaar@gmail.com

24. REGULATOR (i.e. THE STATE) Marek Pajussaar - pajussaar@gmail.com ►User privacy ►Financial literacy and knowledge ►Digital literacy ►Innovation Hub ►Sandbox

25. REFERENCES Marek Pajussaar - pajussaar@gmail.com ►Haliassos, M. (2013). Financial Innovation : too much or too little? Cambridge, MA: The MIT Press. ►finextra.com ►disruptivefinance.co.uk ►thefinancialrevolutionist.com ►dailyfintech.com ►techmeme.com

30. INNOVATION IN FINANCIAL SERVICES Marek Pajussaar pajussaar@gmail.com

Innovation in financial services

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