Start-up Stage - Fintech & Payment - Presentation by Antonio Rami, COO of Kantox at the NOAH 2015 Conference in London, Old Billingsgate on the 13th of November 2015.
Startup Stage - Fintech, Payment, Anti-Fraud & InsurTech - Presentation by Stephan Heller, Founder & CEO of FinCompare at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Digital Disruption in Asset and Wealth ManagementCapgemini
The groundswell that is today impacting massively retail banking is now impacting all banking businesses. Opportunities offered by new digital technology such as Big data & analytics have not been fully explored yet by Asset & Wealth Management actors, and new technologies are mainly confined to improve shared platforms and reporting flexibility. But the turn might come soon now with the aggressive launches of Fintechs investing all parts of the banking business, including its most exclusive territories.
Asset and Wealth Management might be the next targets, facing the up-rise of new Robo-Advisors quickly gaining market
share on their devoted playground until now.
Traditional Asset and Wealth Managers should anticipate and react, building on their knowledge and assets in order to contain this new trend but this will require that they adapt and probably more globally rethink their business model, to avoid the commoditization of their activity.
The aim of this document is to present how Asset and Wealth Managers can take advantage of the digital revolution / emergence of Fintechs to become more competitive and attract more clients.
Start-up Stage - Fintech & Payment - Presentation by Antonio Rami, COO of Kantox at the NOAH 2015 Conference in London, Old Billingsgate on the 13th of November 2015.
Startup Stage - Fintech, Payment, Anti-Fraud & InsurTech - Presentation by Stephan Heller, Founder & CEO of FinCompare at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Digital Disruption in Asset and Wealth ManagementCapgemini
The groundswell that is today impacting massively retail banking is now impacting all banking businesses. Opportunities offered by new digital technology such as Big data & analytics have not been fully explored yet by Asset & Wealth Management actors, and new technologies are mainly confined to improve shared platforms and reporting flexibility. But the turn might come soon now with the aggressive launches of Fintechs investing all parts of the banking business, including its most exclusive territories.
Asset and Wealth Management might be the next targets, facing the up-rise of new Robo-Advisors quickly gaining market
share on their devoted playground until now.
Traditional Asset and Wealth Managers should anticipate and react, building on their knowledge and assets in order to contain this new trend but this will require that they adapt and probably more globally rethink their business model, to avoid the commoditization of their activity.
The aim of this document is to present how Asset and Wealth Managers can take advantage of the digital revolution / emergence of Fintechs to become more competitive and attract more clients.
FinTech & InsureTech - Blockchain: Company presentation by Ulyana Shtybel, Co-Founder of HighCastle at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
Fintech, Online Brokerage & Online Betting - Presentation by Carolin Gabor, Managing Director of FinLeap at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
Fintech - Company Presentation by Max von Bismarck, CBO & Managing Director at Deposit Solutions at the Axel Springer NOAH Conference 2018 in Berlin, Tempodrom 6-7 June 2018.
Upvest's view on the state of asset tokenization in Germany/Europe. It is a high-level overview for a broader audience, summarizing our learnings of two years in the asset tokenization industry.
Check out more info on: https://upvest.co
WealthTech - Robo-Advisors & digital brokeragesKannagi Mishra
WealthTech is a booming field under FinTech industry. This article talks about how technology has disrupted the value chain within the wealth & asset management, particularly Robo-Advisor & Digital Brokerage segment
Quick pitch Introducing Aston iT Finance to tease mentors in the Fintech Innovation Lab ;)
Accounts Receivables Analytics, Cloud based Saas Platform,White-label holistic optimized management of Invoices for corporation, Banks and Credit Insurers credit risk open account credit terms
Payments - Presentation by Dr. Christian Grobe , Co-Founder of Billie.io at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
Startup Stage - E-commerce - Presentation by Max Laemmle, Founder & CEO of Fraugster at the Axel Springer NOAH Conference Berlin 2016, Tempodrom on the 8th of June 2016.
Startup Stage - Ecommerce Merchant Tools - Presentation by Christoph Brem, Founder of Inventorum at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Fintech, Online Brokerage & Online Betting - Presentation by Franck Morel, CEO of Zonebourse at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
FinTech & InsureTech - Blockchain: Company presentation by Ulyana Shtybel, Co-Founder of HighCastle at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
Fintech, Online Brokerage & Online Betting - Presentation by Carolin Gabor, Managing Director of FinLeap at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
Fintech - Company Presentation by Max von Bismarck, CBO & Managing Director at Deposit Solutions at the Axel Springer NOAH Conference 2018 in Berlin, Tempodrom 6-7 June 2018.
Upvest's view on the state of asset tokenization in Germany/Europe. It is a high-level overview for a broader audience, summarizing our learnings of two years in the asset tokenization industry.
Check out more info on: https://upvest.co
WealthTech - Robo-Advisors & digital brokeragesKannagi Mishra
WealthTech is a booming field under FinTech industry. This article talks about how technology has disrupted the value chain within the wealth & asset management, particularly Robo-Advisor & Digital Brokerage segment
Quick pitch Introducing Aston iT Finance to tease mentors in the Fintech Innovation Lab ;)
Accounts Receivables Analytics, Cloud based Saas Platform,White-label holistic optimized management of Invoices for corporation, Banks and Credit Insurers credit risk open account credit terms
Payments - Presentation by Dr. Christian Grobe , Co-Founder of Billie.io at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
Startup Stage - E-commerce - Presentation by Max Laemmle, Founder & CEO of Fraugster at the Axel Springer NOAH Conference Berlin 2016, Tempodrom on the 8th of June 2016.
Startup Stage - Ecommerce Merchant Tools - Presentation by Christoph Brem, Founder of Inventorum at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Fintech, Online Brokerage & Online Betting - Presentation by Franck Morel, CEO of Zonebourse at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
Aion Bank, a full service digital bank, today announced the acquisition of ETFmatic. ETFmatic works with some of the best exchange traded funds (ETFs) in the world to offer a transparent end-to-end service to investors.
Belgiums Aion bank has acquired London robo advisor ETFmaticLuis Rivera
The neobank is looking to boost its investment proposition.
Belgium’s Aion Bank has acquired London robo-advisor ETFmatic
Image source: Aion Bank.
Aion Bank has acquired low-cost ETF investment platform ETFmatic, a new digital bank in Belgium backed by private equity giant Warburg Pincus.
Aion launched last March as a subscription-based bank, with its €3.90/month Light account offering high-interest rates of up to 1 per cent and its €19/month Premium account offering automated ETF investing.
This is where the ETFmatic acquisition comes in, Aion says the deal will help it create new investment products in more countries, while ETFmatic will continue to operate as a stand-alone brand.
Wealth and investment offerings are fairly few and far between among digital banks right now. Currently, Revolut offers direct access to stocks, crypto and commodities trading, but not the kind of robo-advice offered by a Nutmeg or Wealthify.
Aion Bank, now with ETFmatic’s help, is clearly trying to find a market in the middle for neobank plus robo-advisor.
For ETFmatic the deal will also see an expansion of its white-label service across Europe, the service which Aion used to launch its ETF investment product.
“ETFmatic has been a great partner since our Belgian launch in March 2020,” said Aion CEO Wojciech Sobieraj.
“We are the bank designed to help our members save and earn more, and portfolio management is a key product as we prepare to expand across Europe.”
Next up on that expansion is Poland, where the bank is due to do live later this year.
Johan Hellman, CEO of ETFmatic, said: “ETFs have seen significant growth during the pandemic, and I anticipate investors will continue to look to ETFs as we see market recovery in the quarters to come.”
The deal has already been approved by the UK’s Financial Conduct Authority and is effective immediately, no financial details of the deal were disclosed.
FT Adviser - Robo-adviser launches tax monitoring featureLuis Rivera
Europe-wide robo-adviser has launched a capital gains harvesting feature to help its clients optimise their investments and reduce the need for aggressive asset allocation rebalancing.
ETFmatic's new feature will work by identifying and selling those ETFs that have increased in value and replacing them with similar ones to ensure the same asset allocation exposure is maintained for clients.
The robo-adviser claims to be Europe's only digital wealth management platform that offers ETF portfolios in sterling, Euros and US dollars.
Luis Rivera, chief executive of ETFmatic, said: "Investors in Europe deserve cost effective portfolio management with asset allocations that make sense to them. Our aim is to offer clients more of the kinds of services that have historically only been available to individuals with several million to invest.
"Since our launch two years ago, we have continuously been developing new solutions which add further value to our services. The new capital gains feature lays the groundwork for further tax optimisation tools around loss harvesting in the future."
ETFmatic will begin rolling out the service to clients in 32 European Union states. Initially, it will only be available to eligible clients with portfolios of GBP/USD/EUR 50,000 plus.
The company has said those who are not familiar with capital gains tax or the tax-free allowance should seek professional tax advice before deciding whether to enable the feature on their account.
It charges 0.48 per cent on portfolios of up to GBP/EUR/USD 25,000, and 0.29 per cent for those of more than GBP/EUR/USD 25,000 and above.
ETFmatic has not disclosed how much it has in assets under management.
Negocios - Portugueses ja confiam num robot para gerir o seu dinheiroLuis Rivera
Portugueses estão entre os principais clientes da primeira gestora robótica de patrimónios. Mas os investidores nacionais são mais conservadores do que no resto da Europa.
Portugueses já confiam num robot para gerir o seu dinheiro
Bloomberg
Ler mais tarde Imprimir
Negócios jng@negocios.pt
14 de dezembro de 2017 às 12:39
A ETFmatic, a primeira gestora robótica de patrimónios a operar em Portugal, tem clientes em 32 países, entre os quais as maiores economias do mundo como Alemanha, França, Reino Unido, Espanha e Finlândia, mesmo assim o nosso país é um dos seus cinco melhores clientes, revela hoje o Observador.
Há quase uma década que os gestores-robot são uma realidade nos Estados Unidos, país onde já administram mais de 45 mil milhões de euros. Mas na Europa o caminho tem sido mais lento, e em Portugal a ETFmatic é aliás a única empresa a usar este modelo de gestão de património – em que o dinheiro dos clientes é investido automaticamente através de algoritmos - e começou o operar há apenas um ano e meio.
"Portugal é agora um dos cinco principais mercados" da ETFmatic, "definitivamente, não estávamos à espera", revela o empreendedor espanhol que fundou a ETFmatic, em Londres, Luís Rivera. O gestor não revela números, mas avança com uma explicação para o sucesso em Portugal: "Muito do nosso crescimento está a vir de países onde os emitentes de fundos cotados não investiram no desenvolvimento, [logo] a nossa oferta é mais disruptiva."
Na mesma entrevista ao Observador, o fundador da ETFmatic conta que os investidores nacionais são mais conservadores do que no resto da Europa. A carteira mais comum entre os portugueses tem 40% aplicado no mercado accionista e 60% em fundos de obrigações, revela Luís Rivera. Ao nível europeu, a carteira mais popular tem 80% exposta a acções e 20% a obrigações, de acordo com as estatísticas mais recentes da companhia londrina. Isto acontece "apesar de [os portugueses] serem ligeiramente mais novos", com 32 anos, afirma Luís Rivera.
FT Adviser - Passive platform announces fee cutLuis Rivera
ETFmatic, a provider of exchange traded funds (ETFs) has announced a reduction in its fees.
The annual management fee on its range of passive portfolios of less than £25,000 will be 0.48 per cent, a reduction of 0.02 per cent.
For portfolios of greater than £25,000, the annual management fee drops to 0.29 per cent, from the previous 0.30 per cent.
When admin and tax costs are added, this takes the total expense ratio of the portfolios will be 0.60 per cent for the portfolio below £25,000, and 0.45 per cent for those above, according to the company.
Citywire - Online Investment firm cuts management fees to under 18sLuis Rivera
A pan-European robo-advice firm is hoping to hook in the next generation of investors with a zero management fee for under 18s.
ETFmatic, which operates in the UK and 31 other European countries, began offering the service in October. Nations hit the hardest by the financial crisis, such as Spain and Ireland, have provided the most clients, the firm said.
Product director Johann Bornman said: ‘Time and compound interest are incredible allies in achieving your financial goals. A simple way to ensure the highest possible rate of compound (return), for the level of risk you are willing to take, is to keep your costs as low as possible.
‘Paying high fees might send your banker’s kids to nice schools, but severely impacts where your children will call their alma mater.’
ETFmatic also recently removed management fees for women for a limited period, in a bid to close the gender gap among its clients.
Robo-adviser offers fee-free investing for womenLuis Rivera
Women who open and fund an account with ETFmatic will not pay investment management fees for six months.
The robo-investor’s campaign is designed to throw light on the investment gender gap, which typically sees men in a better position to invest than women who are more likely to take career breaks or a cut in hours to raise their children.
The ability for women to invest may also be hampered by the 18.6 per cent salary difference for all types of employment and 9.4 per cent for full-timers.
While the gender pay gap is closing Deloitte estimates it will only slam shut in 2069, if the current trend perseveres.
Attitude to risk is a further factor that adds to the differences between men and women.
Several studies have found women are more likely to put money into savings accounts, rather than invest.
ETFmatic concludes this indicates a lower tolerance for investment risk, which needs to be addressed if women are to achieve long-term financial goals.
Stefanie zu Dohna, client and operations director at ETFmatic, said: “At ETFmatic 10 per cent of our clients are female. The average age of our customers is 34 years. This is an age where lots of people settle down and start seriously thinking about their investments for the future.
"But this is also an age where many women are likely to be taking time out of full time work to raise children and earnings may decline - any savings put to one side on a regular basis need to work harder to meet long term financial goals.
“For the next month any woman that opens and funds an account with ETFmatic will have zero investment management fees for six months.
"We hope this helps plug any investment gaps, and encourages more women to use digital wealth management platforms as an alternative investment solution that’s quick, easy, transparent and secure.”
Susan Hill, chartered financial planner at Susan Hill Financial Planning, said: “There is a need for women to take control of their finances. They like to have a plan and to work towards a goal, however they are more cautious than men, and take more time to consider their options.
“I think male advisers don’t always help as they work differently to women and can come across as a little patronising. The solution is to get more female advisers out there and, of course, to ensure sound financial education starts at an early age, and is delivered with both genders in mind.”
El robo advisor etfmatic presente en 32 países Luis Rivera
El robo-advisor ETFmatic, presente en 32 países
El robo-advisor ETFmatic se convierte en la primera aplicación en estar presente en 32 países. Ofrece carteras diseñadas individualmente de acuerdo con la tolerancia y riesgo de cada inversor.
JUEVES, 19 ENERO 2017IRENE DEL CAMPO
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Desde que comenzó su andadura en junio de 2016, ETFmatic ha realizado una rápida expansión internacional que le ha llevado en tan solo seis meses a ofrecer sus servicios en España, Portugal, Bélgica, Irlanda, Suiza, Dinamarca, Letonia, Austria, Estonia, Países Bajos, Polonia, Bulgaria, Croacia, Chipre, República Checa, Finlandia, Francia, Alemania, Gibraltar, Grecia, Hungría, Islandia, Italia, Liechtenstein, Lituania, Luxemburgo, Malta, Noruega, Rumania, Eslovaquia, Eslovenia y Reino Unido.
Luis Rivera, consejero delegado (CEO) de la compañía, destaca que ofrecen “más flexibilidad que otros robo-advisors ya que permite gestionar un portfolio único para cada cliente”.
Asimismo, llama la atención en otras de las ventajas de ETFmatic que “ofrece costes menores que la banca tradicional, con fácil accesibilidad las 24 horas los 365 días del año a través del móvil y que permite la apertura de una cuenta de inversión en 32 países en tan solo cinco minutos. Los inversores continentales tienden a pagar tarifas más altas, por lo que encuentran en los robo-advisors a un gran aliado para minimizar costes mientras generan altas rentabilidades”, explica.
Esta aplicación, continúa la firma en un comunicado, “se diferencia de los productos existentes en el mercado por configurar un portfolio personalizado y único para cada cliente en función de su perfil de inversor (conservador, medio o agresivo), su edad y sus ingresos, así como las metas financieras establecidas, y no en base a los intereses de aquellos que lo comercializan. De este modo, según los datos registrados el servidor establece de forma automática una cartera diversificada diseñada para cumplir los objetivos de rentabilidad marcados”.
Además, continúa, se trata del primer robo-advisor que está disponible directamente desde el móvil sin necesidad de entrar en una página web, a través de una herramienta de gestión simple y ágil. Desde la aplicación, los clientes pueden abrir una cuenta de simulación con fondos virtuales ilimitados para comparar beneficios y tarifas con variantes tradicionales. Y la inversión mínima requerida es de 100 euros.
Según asegura el CEO de ETFmatic, “todas estas ventajas son posibles gracias a que hemos desarrollado una completa regulación y tecnología que nos ha permitido eliminar intermediarios y ofrecer un servicio completo a coste inferior comparado con la competencia”.
Audio boom i robo advisor et fmatic launches robo investment platformLuis Rivera
Robo-investment platforms have been on the rise in recent years. Nutmeg has been the pioneer: you fill in a questionnaire, then algorithms - or a 'robo-advisor' - picks a portfolio tailored to you.
A new platform has entered the fray: ETFmatic. Share Radio's Ed Bowsher spoke to ETFMatic's CEO Luis Rivera to find out about his new platform as well as the growing world of robo-investment.
Observador.pt - Esqueça o gestor de conta. Chegou o primeiro robô que lhe ger...Luis Rivera
A ETFmatic é a primeira gestora robótica de ativos registada em Portugal. Luis Rivera, o espanhol que lidera a firma britânica, explica como consegue reduzir as comissões a 0,5% do património por ano.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Artificial Intelligence and Robo Financial Advising
1. The European Robo-Advisor
Artificial Intelligence and Robo Financial Advising
Imperial Business in the City
July 2018
This presentation is provided for information purposes only and is not intended as a recommendation or an offer or solicitation for the purchase or sale of any financial instruments.
Robo-advisory is a category established by U.S. companies like Betterment and Wealthfront, it does not imply we provide advice. Ask a Financial Advisor if in doubt. Amazon,
Amundi, Apple, Barclays, Blackrock, Boost, Deutsche Bank, ETF Securities, First Trust, Google, HSBC, Invesco, Lyxor, SaxoBank, State Steet, Source, UBS, Ubuntu, Vanguard,
Windows and Wisdom Tree are trademarks of their respective owners. ETFmatic Ltd is authorised and regulated by the Financial Conduct Authority (No. 657261) and is a limited
liability company registered in England and Wales, no. 08856747, with a registered office at 4th Floor 7-10 Chandos Street, Cavendish Square, W1G 9DQ, London, United Kingdom.
ETFmatic Ltd is registered for VAT with the HMRC with registration number 190 8981 63. The custodian of our clients money is Barclays Bank, while the ETFs are held by Saxo Bank
in an account in the name of ETFmatic Global Nominees Ltd. Our services are available in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland,
France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia,
Slovenia, Spain, Sweden and the United Kingdom. Free simulation accounts are available worldwide.
2. 2
A Portfolio Manager in an App
ETFs are the most efficient investment building blocks available
http://etfmatic.com/whitepaper
3. 3
Robo-advisory is just getting started
Forecast: total addressable market
http://www.businessinsider.com/4-reasons-robo-investing-growing-2017-1
4. 4
ETFmatic is the most downloaded
robo-advisor in Europe, authorised
by the FCA in the UK and
passported to operate in 32
European countries
Technology
Our platform is flexible enough to
offer our products both directly to
end consumers (D2C) and through
business partners (B2B) – i.e.
eWallets, banks, ETF issuers,
financial advisors, etc.
Market
The rest of European robo-advisors
have mainly focused on the D2C
market in one or two countries each
This leaves ETFmatic in an ideal
position to grow with limited
competition in:
The B2B market throughout
Europe
Direct-to Consumer in over 25
countries
Company
ETFmatic at a glance
Proven robo-advisor with a unique angle in B2B and licenced in 32 countries
6. 6
Standing on the shoulders of giants
3 mega-trends in the investments space
Active Passive
Investment style
Commission-based Fee-based
Regulatory pressure on remuneration
Physical Online
Interaction with clients
7. 7
FCA-authorised in November
2015
Operating with real-money
accounts since April 2016
Available in 32 European
countries
+200 000 downloads of Android,
iPhone and Windows Apps
Next Steps
Continue growing our D2C
proposition, that is currently
doubling AUM every quarter
Develop 3 more B2B deals in
Europe throughout 2018
With our dual go-to-market
strategy we aim to achieve break-
even during 2019
Planned Share Issue
Q4 2018
Pre-approved for EIS
ETFmatic’s funding from 2014 to
today (£2m in total) has come
from individual investors
Key Milestones Achieved
Investing properly should be easier
Our journey to make ETFs simple
8. 8
ASSETS UNDER
MANAGEMENT
CLIENT ACQUISITION
COST (FUNDED ACCOUNT)
APP
DOWNLOADS
x2 quarterly
D2C Traction and CAC:
Strong growth at a fraction of industry costs
<£100
+200 000 Low CAC driven by freemium model
+15% of simulation users create a real-
money account
Validated approach to reduce friction points
CAC < 1-year fees for a £20,000 account
CAC down 50% in the last quarter
Insights:
+70% of users send monthly contributions
+75% of traffic is from mobile devices
+80% of customers have a LinkedIn profile
9. 9
Fees matter because they reduce your returns
It's also very unpleasant when you are charged more than you expected
0.29-0.48% + ETF costs
ETFmatic manages all your investment goals for 0.48% of your Assets under Management (our fees) plus the ETF issuer costs
(fees of the funds you invest in). For accounts larger than 25,000 £/€/$, we charge 0.29% of AUM.
The total ETF issuer fees of your portfolio (also know as TER - Total Expense Ratio) will depend on the asset allocation
(weights) you have selected. The average TER of ETFs in our portfolios is 0.13%.
We invest in ETFs that are managed by the world’s top issuers.
No deposit fees
× No withdrawal fees
× No trading fees
× No exit fees
×
https://etfmatic.com/pricing
10. 10
Our Platform enables us to offer competitive pricing in 32 countries
Transparency motivates us to improve ETFmatic every week
Company Amount
Fees Options
Total % p.a. Management Avg. issuer fees Currencies Countries
<25,000 0.61 0.48 0.13
EUR | GBP |
USD
32
European
Countries
>25,000 0.42 0.29
Child account 0.13 0
<100,000 0.94 0.75 0.19
GBP United Kingdom
>100,000 0.54 0.35
- 1.0 0.75 0.25
EUR | GBP Germany
United Kingdom
<10,000 0.25 0 0.25 EUR | GBP Italy
United Kingdom
10,000-100,000 0.85 0.6
100,000-1,000,000 0.65 0.4
>1,000,000 4,140 / year
https://etfmatic.com/pricing
11. 11
B2B Offering
Where and how we could add value to others’ propositions
Custom goals for treasury needs.
Portfolio execution for IFAs and
other Professional Customers.
Investment Management for
Family Offices.
Pricing based on AUM.
Whitelabel as a
Service
Define your own terms of service
and pricing structure.
Configure your risk map and
asset allocation rules.
ETFmatic provides you with
automated portfolio rebalancing,
trade execution and reporting.
Software as a Service (SAAS).
API + Appointed
Representative
Build on top of our Platform.
Benefit from our economies of
scale.
Accounts in 3 currencies (GBP,
EUR, USD).
MIFID Passport; we are
authorised to offer investment
services in 32 countries.
Corporate / Execution
Accounts
12. 12
Luis Rivera
Business
Development
Johan Hellman
Operations and
Regulatory
Tom Carnell
Technology
ETFmatic is led by a team of experienced
entrepreneurs that believe we all deserve a
transparent and cost effective way to put our
savings to work
Our Non-Executive Directors combine
extensive experience in Financial Services
(UBS, JPMorgan) and Technology (Google)
Our Academic Advisory Board includes
INSEAD Chaired Professor of Finance,
Cambridge Judge Business School’s
Professor of Behavioural Finance and a
former Hedge Fund manager and London
Business School lecturer.
Founders and Advisors
https;//etfmatic.com/team
14. 14
Thanks for your time!
Please don’t hesitate to contact me with any questions
luis@etfmatic.com
+44.203.608.3985
@luisriverag
Editor's Notes
Hi, my name is Luis and Im one of the founders of ETFmatic, the European roboadvisor
Thanks for inviting me to share how 3 geeks have managed to compete with Banks in 32 countries
I hope my presentation helps illustrate how roboadvisors are disrupting Financial Services, and inspires you in the next steps in your careers
12 years ago I was a Management Consultant for Monitor Group
Consultants are often encouraged to study an MBA before they are promoted to senior Management
I wasn’t keen to go back to school, but taking a “gap year” to double your salary is a very strong pitch
During my MBA I grew the courage to quit a very lucrative career in consulting
When I was 14 I had made a lot of money selling collectable card games over the internet, but my dad convinced me to “get a real job”
My professors and peers changed my mind-set, and I went from managing a video company that worked for Red Bull to leading more complex startups
Eventually I was challenged by MBA colleague to launch a bank automating ETF management strategies we had learnt at business school
ETFmatic is an online Discretionary Investment Manager
We use ETFs as building blocks to deliver custom portfolios,
which means we tailor investments to what makes sense for our customers,
in contrast to what banks have traditionally done by offering investment funds that paid them back huge commissions,
Funds, which BTW, are very expensive and have a tendency to underperform, but banks made so much money selling them that they didn't have the incentive to consider what’s best for their customers
What is an ETF?
An Exchange Traded Fund is essentially a very low cost way to replicate financial markets, such as the FTSE that covers most of the largest companies in the UK.
ETFs are one of the most significant innovations in finance of the last decades,
and currently manage over 5 trillion dollars
How do we use them as building blocks?
We automatically figure out how to deploy your contributions, which many customers automate as a direct debit every month, to bring you as close as possible to your investment plan, so your portfolio can remain diversified without a lower need to rebalance
You can read more about our approach in our whitepaper available online
Why did we start our journey into banking as a roboadvisor?
There are two sides to the story
On one hand, my cofounder and I where frustrated that 6 years after learning about ETFs in our MBA we still had to use a spreadsheet to balance our diversification and pay huge brokerage commissions to invest in ETFs.
On the other hand, it made a lot of business sense, the combination of a tech and regulatory stack that enabled both D2C and B2B across 32 European countries was hugely disruptive in 2014. And the chart behind me is in trillions
What makes ETFmatic different?
First of all, our European focus
ETFmatic enables customers in 32 countries to invest in ETFs with our App
We are the only roboadvisor available in most of them
Second, our cost efficiency.
We have developed a full regulatory and technology stack that has allowed us to remove layers of intermediaries in order to deliver a complete service at a fraction of the cost of what others do
Finally, we have been the first to distribute our platform both B2B+D2C
Our API enables us to manage bespoke investment portfolios for each of our clients without additional overhead, and our capability to aggregate trades enables us to offer better terms to B2B partners
It is my understanding that our approach has benefited from 3 facts
Banks suck
Banking is a necessity but old school banks are not. We learnt this the hard way in 2007
2. Tech can lower costs AND improve customer experience
In our case it comes down to
Operational expense efficiency through order netting & custody integration
Spreading operational costs against revenues from 32 countries
Lowering acquisition cost by offering a complete simulation, which enables customers to try before they buy
3. But more significantly, it helps to ride a wave that drives disruption. In our case we benefit from 3 megatrends:
First of all, a switch to passive: Investors are moving away from expensive, underperforming active funds to low cost index funds like ETFs
Secondly, RDR and MIFID2, which have increased transparency in Financial Services, and banned banks and financial advisors from receiving commissions from funds.
And more significantly, software is eating the world. Customers now seek online, or more specifically App driven, services
A great product makes a difference
The Financial Services industry has changed significantly over the last 5 years
Prices are going down because customers are starting to understand the impact of fees in their net returns
Fintech startups are combining forces to re-bundle Banking services through B2B partnerships
Incumbents are waking up and starting to both compete and collaborate with us
What are we planning to do next?
Serve more customers D2C, keep increasing our cost efficiency
Distribute our Platform via more B2B deals, where a single customer can bring hundreds of millions in AUM
Raise another round to increase our runway
Let me share a few more details about relevant metrics
Even with a fraction of our competitors funding, we are still the most downloaded Roboadvisor app in Europe
Our Assets Under Management doubles every 3 months
Our client acquisition cost is very low, less than a tenth of what it costs many competitors to grow
So whats our business model? We charge customers a simple fee based on the size of their accounts.
Many Europeans still pay up to 3% of their investment every year, but we offer a full service for 0.04% per month
Our pricing makes a big difference for our customers because their savings compound.
Let me show you how it compares in the next slide
In the chart behind me, you can see the pricing of UK’s leading roboadvisors
ETFmatic might be the only Roboadvisor available in most countries where we compete, but all Europeans benefit from the same pricing as customers in the UK
It’s also worth mentioning that we don’t charge fees to accounts you open for your kids, so the savings for your children grow even more as they compound before they turn 18
Our B2B offering is structured in 3 main formats that help different companies to leverage our Platform
API+license, so other startups can build on top of our technological and regulatory stack
Whitelabel SAAS, that facilitates integration with banks and financial advisors
Corporate & execution, for Fund managers and other businesses to benefit from our economies of scale
Our international team is based in our London headquarters and Madrid subsidiary
Our Non-Executive Directors combine extensive experience in Financial Services (UBS, JPMorgan) and Technology (Google)
Together we have faced many Challenges:
Building the team
Finding Shareholders that believed a bank could be launched for under 1M
Developing an awesome Technology with a small team
Surviving Regulation without having worked in Financial Services
Earning and maintaining the trust of thousands of customers
Our Customer journey involves 12 steps from simulation to super VIP accounts, those that have invested more than 250k with us
What are the main points of friction?
Trust; it’s hard to build a brand without a big budget
We chose a freemium model to earn customer trust progressively
We leverage word of mouth, many of our customers come from referrals
And we distribute the best ETFs, which do have significant marketing budgets
Secondly, Education. Finance is a complex subject.
We publish many educational pieces, including an investors academy
We publish 3 minute interviews with experts, including some from Imperial
And we systematically A/B test how we present information to customers
Thirdly, User Experience. Software needs to be fine tuned to challenge the human touch advisors deliver
We continuously upgrade our app based on analytics and customer feedback
We publish detailed reports about the returns our portfolios achieve
We have a great customer support team and respond questions very quickly
So if you are ready to move from theory to practice, download our app and invest a few minutes trying a free simulation account
Thanks for your time.
Please don’t hesitate to contact me with any questions via email, phone or Twitter
I believe we might also have the chance for a few questions now and a chat while we enjoy drinks in the terrace