This document provides an overview of key trends in financial technology and digital banking. It discusses the growth of mobile banking and investments banks are making to upgrade their mobile and online services. Other topics covered include the value of customer data, social media metrics, application programming interfaces, and cloud computing. Brief quotes from reviews of the author Chris Skinner's book praise its timely examination of challenges facing banks in the digital age.
apidays LIVE London 2021 - Physical gold investments made easy by Sylvia Carr...apidays
apidays LIVE London 2021 - Reaching Maximum Potential in Banking & Insurance with API Mindset
October 27 & 28, 2021
Banking APIs and Fintech Ecosystems
Physical gold investments made easy
Sylvia Carrasco, CEO at Goldex
Asset Servicing Times Industry Excellence Awards 2021 Media Kit And Booking FormJonathan Savage
The Asset Servicing Times Industry Excellence Awards 2021 are dedicated to supporting and recognising talented and dedicated firms, individuals and departments across our industry. All of our award winners will form part of an exclusive group comprising some of the most influential names in the financial services market.
apidays LIVE London 2021 - Physical gold investments made easy by Sylvia Carr...apidays
apidays LIVE London 2021 - Reaching Maximum Potential in Banking & Insurance with API Mindset
October 27 & 28, 2021
Banking APIs and Fintech Ecosystems
Physical gold investments made easy
Sylvia Carrasco, CEO at Goldex
Asset Servicing Times Industry Excellence Awards 2021 Media Kit And Booking FormJonathan Savage
The Asset Servicing Times Industry Excellence Awards 2021 are dedicated to supporting and recognising talented and dedicated firms, individuals and departments across our industry. All of our award winners will form part of an exclusive group comprising some of the most influential names in the financial services market.
Presentation given to kick start the #FinTech book launch in London. It gives an insight into how the project came to life.
Book can be pre-order here : www.amazon.co.uk/Fintech-Book-Susanne-Chishti/dp/111921887X/ref=sr_1_7?ie=UTF8&qid=1441892056&sr=8-7&keywords=fintech
Fintech 2017 Vision and Insight - MIT Enterprise Forum PolandGrow VC Group
Presentation for the fintech audience at MIT Enterprise Forum in Warsaw. The presentation illustrated three key areas of fintech: 1) Distributed Finance, 2) Open API Ecosystems, 3) Software Bankers.
Crypto Coinference 2019 - IBM Blockchain World Wire: the new normal in global...Crypto Coinference
Speaker: Pietro Lanza, General Manager Intesa IBM, Blockchain Director IBM Italy
We are at the leading edge of blockchain for business, founded on partnership and trusted networks: from global trade and supply chain, food waste and food safety, trusted identity, healthcare, insurance and now financial services. Today, there are hundreds of trillions of dollars flowing across borders every year. It is inclusive of global trade and commerce of all kinds, post-trade settlement of equities markets, people buying and selling shares of stock, etc. What if all those exchanges could be streamlined with Blockchain? The next standard should be Universal Payments – which will alleviate all of the friction from yesterday’s archaic systems.
On 23 June 2016, the UK held a referendum to decide whether to remain or leave the European Union (EU). The UK public voted 52% to 48% to leave. This decision will have huge implications for the FinTech community based in the UK. Innovate Finance shares insights of the results according to responses from members and outlines policy priorities going forwards.
#FinTech SuperCharger: The Accelerator's Key Milestones CFTE
The SuperCharger is hands down the world's most succesfull FinTech accelerator - have a look at the key facts. Presentation done during Demo Day 7th of April 2016
In this presentation I talk about the state of the digital currency economy in mid 2020, including my unique perspective as CEO of Gilded, a B2B payment solution using digital currency.
I also discuss what it will take to get the flywheel moving and grow the digital currency economy in 2021 and beyond.
Utilizing hindsight to rebuild the capital markets feb 2012Dara Albright
In this remarkable moment in history, the U.S. regulatory environment, its capital markets and the innovation that drives those markets are simultaneously on the threshold of dramatic change. We are currently witnessing the embryonic period of a cutting-edge stock market just as we usher in a new era of mass media. At the same time, new legislation aimed at facilitating capital formation is being introduced to support this modern infrastructure. There has never been a more opportunistic time to capitalize on change.
Innovate Finance Global Summit 2017 Roundup ReportInnovate Finance
FinTech innovators and leaders from across the world were brought together for the annual Innovate Finance Global Summit on the 10th - 11th April. In the historic setting of the Guildhall in London, the summit convened for two days and explored the opportunities, challenges and future of the FinTech sector, not just in the UK but globally.
Women transforming our financial markets symposium December 11, 2012Dara Albright
We are so grateful to the women, many speaking at today's conference, who continue to raise glass ceilings and inspire new generations. It is NowStreet’s sincere hope that events like this empower more women to launch businesses and embark on careers in finance. With women playing a more integral role in the nation’s economy, America will undoubtedly prosper once more.
Crypto Coinference 2019 - Utrust: the challenges of a crypto payment platform.Crypto Coinference
Speaker: Martinho Aragão, Product Manager at Utrust
Building a payment solution for the money of tomorrow is a vision in itself. To connect all sorts of e-commerce merchants to buyers in the crypto world, all while keeping it business as usual, a company has to leverage the blockchain alongside traditional financial services. As such, we’ll navigate the journey of Utrust to make that vision a reality by exploring both sides of the equation.
Presentation given to kick start the #FinTech book launch in London. It gives an insight into how the project came to life.
Book can be pre-order here : www.amazon.co.uk/Fintech-Book-Susanne-Chishti/dp/111921887X/ref=sr_1_7?ie=UTF8&qid=1441892056&sr=8-7&keywords=fintech
Fintech 2017 Vision and Insight - MIT Enterprise Forum PolandGrow VC Group
Presentation for the fintech audience at MIT Enterprise Forum in Warsaw. The presentation illustrated three key areas of fintech: 1) Distributed Finance, 2) Open API Ecosystems, 3) Software Bankers.
Crypto Coinference 2019 - IBM Blockchain World Wire: the new normal in global...Crypto Coinference
Speaker: Pietro Lanza, General Manager Intesa IBM, Blockchain Director IBM Italy
We are at the leading edge of blockchain for business, founded on partnership and trusted networks: from global trade and supply chain, food waste and food safety, trusted identity, healthcare, insurance and now financial services. Today, there are hundreds of trillions of dollars flowing across borders every year. It is inclusive of global trade and commerce of all kinds, post-trade settlement of equities markets, people buying and selling shares of stock, etc. What if all those exchanges could be streamlined with Blockchain? The next standard should be Universal Payments – which will alleviate all of the friction from yesterday’s archaic systems.
On 23 June 2016, the UK held a referendum to decide whether to remain or leave the European Union (EU). The UK public voted 52% to 48% to leave. This decision will have huge implications for the FinTech community based in the UK. Innovate Finance shares insights of the results according to responses from members and outlines policy priorities going forwards.
#FinTech SuperCharger: The Accelerator's Key Milestones CFTE
The SuperCharger is hands down the world's most succesfull FinTech accelerator - have a look at the key facts. Presentation done during Demo Day 7th of April 2016
In this presentation I talk about the state of the digital currency economy in mid 2020, including my unique perspective as CEO of Gilded, a B2B payment solution using digital currency.
I also discuss what it will take to get the flywheel moving and grow the digital currency economy in 2021 and beyond.
Utilizing hindsight to rebuild the capital markets feb 2012Dara Albright
In this remarkable moment in history, the U.S. regulatory environment, its capital markets and the innovation that drives those markets are simultaneously on the threshold of dramatic change. We are currently witnessing the embryonic period of a cutting-edge stock market just as we usher in a new era of mass media. At the same time, new legislation aimed at facilitating capital formation is being introduced to support this modern infrastructure. There has never been a more opportunistic time to capitalize on change.
Innovate Finance Global Summit 2017 Roundup ReportInnovate Finance
FinTech innovators and leaders from across the world were brought together for the annual Innovate Finance Global Summit on the 10th - 11th April. In the historic setting of the Guildhall in London, the summit convened for two days and explored the opportunities, challenges and future of the FinTech sector, not just in the UK but globally.
Women transforming our financial markets symposium December 11, 2012Dara Albright
We are so grateful to the women, many speaking at today's conference, who continue to raise glass ceilings and inspire new generations. It is NowStreet’s sincere hope that events like this empower more women to launch businesses and embark on careers in finance. With women playing a more integral role in the nation’s economy, America will undoubtedly prosper once more.
Crypto Coinference 2019 - Utrust: the challenges of a crypto payment platform.Crypto Coinference
Speaker: Martinho Aragão, Product Manager at Utrust
Building a payment solution for the money of tomorrow is a vision in itself. To connect all sorts of e-commerce merchants to buyers in the crypto world, all while keeping it business as usual, a company has to leverage the blockchain alongside traditional financial services. As such, we’ll navigate the journey of Utrust to make that vision a reality by exploring both sides of the equation.
Increases in capital and labor are no longer driving the levels of economic growth the world has become accustomed to and desires. Fortunately, a new factor of production is on the horizon, and it promises to transform the basis of growth for countries across the world.
Accenture analyzed 12 developed economies and found that AI has the potential to double their growth rates by 2035.
How Digital Is Becoming A Mobile First ExperienceYuan Wang
We present the latest 2016 mobile marketing statistics and insights, showing increasing consumer adoption and changing behaviour around how people use mobile. We explore various options for using mobile in your marketing such as advertising, apps and campaigns. We summarise the factors influencing how a mobile experience differs from others. We revisit the App vs responsive website debate and propose a new approach. We provide tips on managing your own mobile presence – dos and don’ts, as well as case studies of excellent brand mobile marketing – advertising vs app, larger budget vs smaller budget.
June 2017 - The 2017 edition of the OECD Business and Finance Outlook focuses on ways to enhance “fairness”, in the sense of strengthening global governance, to ensure a level playing field in trade, investment and corporate behaviour, through the setting and better enforcement of global standards. This presentation by OECD's financial markets expert Adrian Blundell-Wignall shows key findings from the publication. Find out more here http://www.oecd.org/daf/oecd-business-and-finance-outlook-2017-9789264274891-en.htm
Presentation delivered by Steve Keifer of GXS at the 2010 American Hardware Manufacturers Association Hardlines Technology Forum event in Schaumberg, Illinois. Covers types of ERP projects - consolidation, standardization, upgrades and extensions. Highlights key challenges such as 80% of ERP projects are delayed due to B2B integration related issues and 34% of all ERP data comes from outside the enterprise.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
If you’ve ever wondered or asked “Is upgrading worth it?” take a peek and you can see for yourself. Learn more: http://blog.linkedin.com/2015/03/11/free-versus-premium/
The full potential of insurance telematicsMatteo Carbone
Auto telematics represents the most mature insurtech use case, as it has already passed the test and experimentation phase within the innovation unit. It is currently being used an instrument for daily work within motor insurance business units. In this domain, Italy is an international best practice example
Payments Market in India, Mobile Wallet, Mobile Payments , Evolving Payments Ecosystem, Payments Industry , Payments Bank , Payment Gateways , Mobile Market, Payment Methods
Cryptocurrencies, Smart Contracts, and the Future of Economic InteractionSteve Omohundro
Contracts are society's programming language. Corporations are defined by contracts with investors, employees, customers, etc. Countries are defined by social contracts with citizens, representatives, corporations, etc. But today's contracts are confusing and expensive to create and enforce. They are written in bad programming languages and enforced by slow, complex, expensive, and unpredictable mechanisms.
In 1993, Nick Szabo proposed machine executable "Smart Contracts" which can be self-enforcing. The introduction of the "Bitcoin" cryptocurrency in 2008 provided the decentralized "blockchain" infrastructure for implementing these smart contracts. Bitcoin spawned over 500 alternative "altcoin" cryptocurrencies and they have generated both enormous interest and huge volatility.
New "Bitcoin 2.0" technologies like Ethereum are just about to be released. These will support powerful smart contracting mechanisms and may transform many areas of human interaction. We describe these new technologies and their connection to the "Internet of Things" and emerging AI systems.
http://steveomohundro.com/2015/02/04/fuji-xerox-talk-cryptocurrencies-smart-contracts-and-the-future-of-economic-interaction/
Presentation given by Tarun Agarwal to Indian Merchants Chamber (IMC), India's foremost think-tank, on Economic Development for Small & Medium Entreprises (SMEs).
Do read, you will surely find some aspects of it provocative.
It tries to showcase also the need to have an integrated economic development plan where all segments of society work together - Can the SMEs succeed without the support of its employees, vendors, information technology, big businesses, government agencies? The answer is no.
Icon Business Forum is has mobilized of strategy consultants, investment bankers, celebrities, writers, industry chambers to usher in a wave of collective economic development.
This is my latest presentation on digital bank trends, that accompanies the book Digital Bank http://www.amazon.com/Digital-Bank-Chris-Skinner-ebook/dp/B00G1L9MDI/ref=zg_bs_154892011_9
Slides from Data Protection 2017 given by Gavin Starks
"That culture is always left to the end in technology revolutions. Make no mistake, the web of data is a revolution: but it has very little to do with new technology. Learn about the cultural impacts and business models that will help you navigate in a data-driven world."
https://dma.org.uk/event/data-protection-2017
On 2nd March 2015, we held our first Expert Briefing, inviting a limited number of London's leading finance and technology journalists to learn more about the world of digital money over a few drinks.
These slides are from Garrick Hileman's State of Bitcoin presentation.
The event was sponsored by Elliptic, Circle and General Bytes.
www.coinxtrading.com , wwww.coinxtrading.biz,
COINX TRADING LTD
Coinx Trading - Marketing - Business Plan - Binary Compensation Plan ,Affiliate Marketing Plan
Coinx Trading - Marketing - Business Plan
Email: support@coinxtrading.com
CoinX Trading Business Concept EnglishRomeo Abuhan
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
Binary income 10%, unlimited levels.
TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
Web3 MIT Independent Study by Lena Hairadin LenaHairadin1
The high-level goal of the study is to design a primer to the Web3 world and build a case for the value of NFTs specifically. The research scope is on media & entertainment industry (e.g., film & TV, gaming, music).
www.coinxtrading.com , wwww.coinxtrading.biz,
COINX TRADING LTD
Coinx Trading - Marketing - Business Plan - Binary Compensation Plan ,Affiliate Marketing Plan
Coinx Trading - Marketing - Business Plan
Email: support@coinxtrading.com
CoinX Trading Business Concept EnglishRomeo Abuhan
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
Binary income 10%, unlimited levels.
TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
Binary income 10%, unlimited levels.
TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
www.coinxtrading.com , wwww.coinxtrading.biz,
COINX TRADING LTD
Coinx Trading - Marketing - Business Plan - Binary Compensation Plan ,Affiliate Marketing Plan
Coinx Trading - Marketing - Business Plan
Email: support@coinxtrading.com
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
Binary income 10%, unlimited levels.
TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
Binary income 10%, unlimited levels.
TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
23. Favourable market conditions have created aFavourable market conditions have created a
“perfect storm” for the sector
Restricted bank liquidity Low interest ratesRestricted bank liquidity
(European securitisation, €bn)
Low interest rates
(average BoE Base Rate)
-70% -95%
£710bn 8.6%£710bn
£240bn 0.5%
E-commerce adoption
(% retail sales online)
Decreasing consumer trust
(“banks are well run”)
1975-2008 2009-20132008 2012
(% retail sales online)( banks are well run )
-80% +430%
91% 12%
2004 20141987 2012
19% 2.3%
2004 20141987 2012
Source: AFME, Bank of England, British Social Attitudes survey, Verdict
35. Bank of America spent almost $500 million on
bil & i i th t 3 4mobile products & services in the past 3‐4 years
Commerzbank will invest €220 million to upgrade
mobile and online banking in the next 2 3 yearsmobile and online banking in the next 2‐3 years
HypoVereinsbank (Unicredit) will spend more
than €300 million to transform into a leadingthan €300 million to transform into a leading
multichannel bank by 2016
44. The 21st century internet is asy
transformational as electricity
in the last centuryin the last century
45. The 21st century internet is asy
transformational as electricity
in the last centuryin the last century
Connecting humans to theConnecting humans to the
internet is the war for
business this centurybusiness this century
52. Agricultural Revolution
… coins
Industrial Revolution
troltd.com
… notes and checks
www.balat
Service RevolutionService Revolution
… cards
Information Revolution
hi… chips
53.
54.
55.
56.
57.
58. Over 80 percent of Tencent’ revenue comes from value added services that usersOver 80 percent of Tencent s revenue comes from value‐added services that users
pay for using QQ coins (币, Bì) QQ’s virtual currency. Tencent introduced QQ coins in
2002, and the currency has since become the main driver of China’s virtual goods
market, valued at about US$5 billion in 2009.
65. More than 2,500,000,000,000,000,000 bytes of data (2.5 exabytes) are produced
every day:every day:
• People send more than 144.8 billion Email messages sent a day.
• People and brands on Twitter send more than 340 million tweets a dayPeople and brands on Twitter send more than 340 million tweets a day.
• People on Facebook share more than 684,000 bits of content a day.
• People upload 72 hours (259,200 seconds) of new video to YouTube a minute.
• Consumers spend $272,000 on Web shopping a day.Consumers spend $272,000 on Web shopping a day.
• Google receives over 2 million search queries a minute.
• Apple receives around 47,000 app downloads a minute.
• Brands receive more than 34,000 Facebook ‘likes’ a minute.,
• Tumblr blog owners publish 27,000 new posts a minute.
• Instagram photographers share 3,600 new photos a minute.
• Flickr photographers upload 3,125 new photos a minute.
• People perform over 2,000 Foursquare check‐ins a minute.
• Individuals and organizations launch 571 new websites a minute.
• WordPress bloggers publish close to 350 new blog posts a minute.
• The Mobile Web receives 217 new participants a minute.
80. A (API) ifi h f iAn Application Programming Interface (API) specifies how software should interact with
each other. A company provides an API so that other software developers can design
products that are powered by its service.
93. Average Facebook user has 235 friends
2 000 Likes = 470 000 Views2,000 Likes = 470,000 Views
Average cost to gain a registration: €1.33
Average cost to gain a fully KYC processed customer: €16.70Average cost to gain a fully KYC processed customer: €16.70