This presentation is about the use of technology and innovative business models in financial services. It was presented at a conference entitled "Disruptive Innovations in Financial Services" sponsored by the Institute for Financial Services Analytics (IFSA) in the Lerner College of Business and Economics at the University of Delaware on March 3, 2016.
I put this together to show the different problems the local technology startups focused on financial services are attacking, and the general size of their funding and how they make money. Perhaps some startup folk will be surprised to notice some of the names were actually based in NYC. I really tried to get all the big names in here. No NYC fintech startup is mentioned in the WSJ's Billion Dollar Club infographic. This is meant to be a good guide for people who are in tech and financial services alike!
http://www.jessepodell.com/nyc_fintech_slideshare_2014/
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
The banking sector is experiencing a major shift globally, as Challenger Banks are becoming increasingly formidable competitors to traditional banks and have begun to capture significant market share. Furthermore, the lines between banks and other consumer financial services providers are blurring, with several alternative lenders and robo-advisors beginning to offer banking products to their customers. E-commerce / internet giants are also jumping into the fray with Google and Amazon, among others, beginning to offer banking products. In response to the emergence of Challenger Banks, a number of incumbent banks have launched their own FinTech brands, and traditional financial institutions will likely turn to FinTech solution providers in order to defend their turfs. The report features an overview of trends in the Challenger Banking space as well as the broader banking ecosystem, a detailed landscape of Challenger Banks globally, a proprietary list of financing and M&A transactions, as well as exclusive executive interviews.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
I put this together to show the different problems the local technology startups focused on financial services are attacking, and the general size of their funding and how they make money. Perhaps some startup folk will be surprised to notice some of the names were actually based in NYC. I really tried to get all the big names in here. No NYC fintech startup is mentioned in the WSJ's Billion Dollar Club infographic. This is meant to be a good guide for people who are in tech and financial services alike!
http://www.jessepodell.com/nyc_fintech_slideshare_2014/
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
The banking sector is experiencing a major shift globally, as Challenger Banks are becoming increasingly formidable competitors to traditional banks and have begun to capture significant market share. Furthermore, the lines between banks and other consumer financial services providers are blurring, with several alternative lenders and robo-advisors beginning to offer banking products to their customers. E-commerce / internet giants are also jumping into the fray with Google and Amazon, among others, beginning to offer banking products. In response to the emergence of Challenger Banks, a number of incumbent banks have launched their own FinTech brands, and traditional financial institutions will likely turn to FinTech solution providers in order to defend their turfs. The report features an overview of trends in the Challenger Banking space as well as the broader banking ecosystem, a detailed landscape of Challenger Banks globally, a proprietary list of financing and M&A transactions, as well as exclusive executive interviews.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
Disruption in Financial Services? A Silicon Valley PerspectiveHearsay Systems
Jon Sakoda, general partner of venture capital firm New Enterprise Associates (NEA) presents his expert insight on the current and future state of tech and financial services.
Financing Small Business Success: The Rise of Online LendingIntuit Inc.
As part of its ongoing efforts to solve persistent pain points for small business, Intuit released a new research report, “Financing Small Business Success” which shows how online lenders are reshaping the small business financing market.
The research was conducted by Ebiquity and based on 500 interviews held July 20-27. Research was completed online among owners and managers of U.S. small businesses that have attempted, either successfully or unsuccessfully, to secure funding for their company through business financing channels.
The forecast was prepared by Emergent Research, based on existing assessments of the small business credit market outlined in the Harvard Business School paper, “The State of Small Business Lending: Credit Access During the Recovery and How Technology May Change the Game.” The forecast assumes moderate U.S. economic growth averaging 2-3 percent over the forecast timeframe.
Alternative Data Transforming SME FinanceJohn Owens
Presentation on the paper "Alternative Data Transforming SME Finance" presented at the Global Partnership for Financial Inclusion 2017 forum in Berlin, Germany #GPFI
Special thanks to my co-auithor, Lisa Wilhelm who provided substantial inputs for this paper and presentation.
Mercer Capital's Value Focus: FinTech Industry | First Half 2017Mercer Capital
Mercer Capital’s quarterly 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.
The Subprime Crisis & Implications for Microfinance (SVMN, 05/18/08)Dave McClure
Presentation on the US Subprime Crisis & Impact / Implications on Microfinance, by Katherine McKee, CGAP, to the Silicon Valley Microfinance Network (SVMN.net).
Financial Technology is seen as a major disruptive force in banking but there are also examples where they are working together. Either way the banking business model will need to change profoundly.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
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.
How Robo Advisers, Fintech Are Revolutionising Wealth ManagementDinis Guarda
How Robo Advisers, Fintech Are Revolutionising Wealth Management. A Reflection and presentation about trends and ideas related with the topic and what is happening in the industry
Event: "#FinTech in Asia" - Slide Deck 2nd of February 2015CFTE
Slides used during the "FinTech in Asia" event organised by FinTech Circle and Hosted by Morrison & Foerster. Held in London on the 2nd of February 2015
(Almost) everything you need to know to start in FintechSophie Guibaud
This workshop will provide readers with a global overview of the Fintech world, market dynamics and how London has managed to become a leading Fintech hub. They will learn about the various business models that fall under the Fintech umbrella (Payments, Money transfer, Crowdfunding, Lending, Data & Analytics) and also discuss new banking models that are trying to inspire and shape the bank of the future.
Mercer Capital's Value Focus: FinTech Industry | Second Quarter 2016 Mercer Capital
Mercer Capital’s quarterly 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.
Crowd Valley Digital Investing and Lending Platform Report - Q2 2015Grow VC Group
The present report is based on surveying a randomly-selected sample of 100 individuals and companies out of the ones that have expressed an interest in entering this market during the second quarter of 2015. Therefore, the analysis provides probably the first data-driven insights on how the international digital investment sector is developing in Q2 2015.
The demand for digital investing platforms is still mainly based in the USA and it is above all directed at equity investment models for private companies. Nevertheless, during this quarter Crowd Valley observed an increase in the demand for lending platforms. Other regions including Europe also play a major role in the digital investing sector, representing a significant proportion of the total demand for these kinds of services.
Financial Services Innovation and Disruption: What's Happening and What to Ex...Dushyant Shahrawat, CFA
Presentation at Boston Meetup on Innovation:
Analyzing the current state of Financial Services Innovation: how Digitization, FinTechs and FAANGs are transforming Finance
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Solving Financial Constraints with Innovative Funding SolutionGilbert Tam 譚耀宗
After the credit crunch in 2008, SMEs though they are amounted to the 80-90% of business activites but their access to funding has been greatly impacted by the traditional lenders, banks, that after the 2008 credit cruch are reluctant to maintain such business if no "bricks and mortar" are provided by sellers.
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Disruption in Financial Services? A Silicon Valley PerspectiveHearsay Systems
Jon Sakoda, general partner of venture capital firm New Enterprise Associates (NEA) presents his expert insight on the current and future state of tech and financial services.
Financing Small Business Success: The Rise of Online LendingIntuit Inc.
As part of its ongoing efforts to solve persistent pain points for small business, Intuit released a new research report, “Financing Small Business Success” which shows how online lenders are reshaping the small business financing market.
The research was conducted by Ebiquity and based on 500 interviews held July 20-27. Research was completed online among owners and managers of U.S. small businesses that have attempted, either successfully or unsuccessfully, to secure funding for their company through business financing channels.
The forecast was prepared by Emergent Research, based on existing assessments of the small business credit market outlined in the Harvard Business School paper, “The State of Small Business Lending: Credit Access During the Recovery and How Technology May Change the Game.” The forecast assumes moderate U.S. economic growth averaging 2-3 percent over the forecast timeframe.
Alternative Data Transforming SME FinanceJohn Owens
Presentation on the paper "Alternative Data Transforming SME Finance" presented at the Global Partnership for Financial Inclusion 2017 forum in Berlin, Germany #GPFI
Special thanks to my co-auithor, Lisa Wilhelm who provided substantial inputs for this paper and presentation.
Mercer Capital's Value Focus: FinTech Industry | First Half 2017Mercer Capital
Mercer Capital’s quarterly 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.
The Subprime Crisis & Implications for Microfinance (SVMN, 05/18/08)Dave McClure
Presentation on the US Subprime Crisis & Impact / Implications on Microfinance, by Katherine McKee, CGAP, to the Silicon Valley Microfinance Network (SVMN.net).
Financial Technology is seen as a major disruptive force in banking but there are also examples where they are working together. Either way the banking business model will need to change profoundly.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
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.
How Robo Advisers, Fintech Are Revolutionising Wealth ManagementDinis Guarda
How Robo Advisers, Fintech Are Revolutionising Wealth Management. A Reflection and presentation about trends and ideas related with the topic and what is happening in the industry
Event: "#FinTech in Asia" - Slide Deck 2nd of February 2015CFTE
Slides used during the "FinTech in Asia" event organised by FinTech Circle and Hosted by Morrison & Foerster. Held in London on the 2nd of February 2015
(Almost) everything you need to know to start in FintechSophie Guibaud
This workshop will provide readers with a global overview of the Fintech world, market dynamics and how London has managed to become a leading Fintech hub. They will learn about the various business models that fall under the Fintech umbrella (Payments, Money transfer, Crowdfunding, Lending, Data & Analytics) and also discuss new banking models that are trying to inspire and shape the bank of the future.
Mercer Capital's Value Focus: FinTech Industry | Second Quarter 2016 Mercer Capital
Mercer Capital’s quarterly 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.
Crowd Valley Digital Investing and Lending Platform Report - Q2 2015Grow VC Group
The present report is based on surveying a randomly-selected sample of 100 individuals and companies out of the ones that have expressed an interest in entering this market during the second quarter of 2015. Therefore, the analysis provides probably the first data-driven insights on how the international digital investment sector is developing in Q2 2015.
The demand for digital investing platforms is still mainly based in the USA and it is above all directed at equity investment models for private companies. Nevertheless, during this quarter Crowd Valley observed an increase in the demand for lending platforms. Other regions including Europe also play a major role in the digital investing sector, representing a significant proportion of the total demand for these kinds of services.
Financial Services Innovation and Disruption: What's Happening and What to Ex...Dushyant Shahrawat, CFA
Presentation at Boston Meetup on Innovation:
Analyzing the current state of Financial Services Innovation: how Digitization, FinTechs and FAANGs are transforming Finance
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Solving Financial Constraints with Innovative Funding SolutionGilbert Tam 譚耀宗
After the credit crunch in 2008, SMEs though they are amounted to the 80-90% of business activites but their access to funding has been greatly impacted by the traditional lenders, banks, that after the 2008 credit cruch are reluctant to maintain such business if no "bricks and mortar" are provided by sellers.
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Fintech o2o digital hybrid finance presentation by Grow VC GroupGrow VC Group
Digital hybrid finance presentation for fintech online-to-offline conference in Hong Kong - how the traditional finance can cooperate with and utilize fintech and digital finance.
Fintech M&A: From threat to opportunityWhite & Case
Fintech has evolved from being a disruptive threat to a major
opportunity for financial institutions. The possibilities for
dealmaking and M&A are almost limitless.
Mercer Capital's Value Focus: FinTech Industry | Second Half 2016Mercer Capital
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.
Szilágyi Péter - Disintermediaton a pénzügyi szektorban. Régi versus új mediá...FinTechAkademia
Mit jelent valójában a disintermediation a pénzügyi szolgáltatások piacán? Mely országokban történt eddig a legjelentősebb változás? Kik az új szereplők, vagy melyek az új szerepek? Mi lett/lesz a hagyományos közvetítőkkel, szereplőkkel? Milyen szerepet játszanak a technológia és a fintech startup-ok a disintermediation folyamatában? Mi várható 5-10 éven belül a disintermediation eredményeként? Ezekre a kérdésekre keresi a válaszokat Szilágyi Péter a CEU docense.
Digital Finance ecosystem is emerging. It is changing all finance services. Resource sharing, partner networks and APIs have very important role in the ecosystem. Grow VC Group companies offer solutions and services to enable digital finance.
Grow VC Group digital finance insight and visionGrow VC Group
Digital Finance ecosystem is emerging. It is changing all finance services. Resource sharing, partner networks and APIs have very important role in the ecosystem. Grow VC Group companies offer solutions and services to enable digital finance.
US-EU Meeting Alternative Finance PresentationGrow VC Group
Summary about alternative finance market in the US and EU, including API economy model, new finance instruments and cooperation of new and old finance models.
Our event on 2 March for SMEs interested in finding out about the creation and protection of IP, cashflow finance and/or broadening access to alternative sources of funding.
It was aimed at digital and technology businesses, and as well as an overview of the opportunities for SMEs in the sector, expert colleagues from Metis Partners (intellectual property specialists), Jumpstart (specialists in R&D tax credits) and the Lending Crowd (insights on crowdfunding). The session was a short, sharp, non-technical guide for businesses to consider some potentially new approaches to practical aspects of successful innovation.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
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Fin Tech as a Disruptor of Financial Services
1. Reena Aggarwal
Robert E. McDonough Professor of Finance
Director, Georgetown Center for Financial Markets and Policy
FinTech as a Disruptor of Financial Services
Disruptive Innovations in Financial Services
Institute for Financial Services Analytics
Alfred Lerner College of Business & Economics
University of Delaware
March 2016
2. Disruption in Financial Services
• Address societal challenges
• Financial inclusion
• Inequality issues
• Access to capital
• SMEs
• Our work with the World Economic Forum/World Bank
3. •FinTech: Use of technology and innovative business models in financial services
•Companies provide financial services through the use of technology
– These companies provide products and services to users through online and/or
mobile channels
FinTech
Characteristics
Innovation
•Innovative solutions have disrupted the traditional financial services industry
•Promises to include un-served and under-served markets
•Have increasingly provided funding for SMEs especially after the Great Recession
•Face lower costs
Focus
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
•Single-purpose solutions: Offer a better experience in a single product or service
•New sets of products: Tailored for small businesses
FinTech as a Disruptor of Financial Services
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
4. Factors Enabling the Industry’s Growth
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Regulation
Regulated banks face higher costs for lines of business FinTech
firms are tapping into
Technology
Macro
Environment
Big data analytics increasingly available
Online financial transactions, alongside big data analysis, have
lowered costs and increased speed
Low interest rates and low loan default rates allow for credit
creation; the former has increased the demand for loans while the
latter has increased investors’ willingness to lend
Investors are seeking assets with higher yields & are comfortable
with higher risk profiles of borrowers
Risks
1. Limited
investor
protection
2. Defaulting
borrowers
3. Systemic
risk
associated
with lack of
regulation
5. The Growth of FinTech
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
• Reduced the
availability of credit
for individuals and
small businesses
• Triggered regulations
that have since
hampered traditional
banks’ ability to meet
the needs of SMEs,
among others
• Big opportunity for
FinTech firms
Great Recession
2007-2008 2005-2011 2013-2014 2015
New players
emerged:
• Prosper (2005)
• Lending Club (2006)
• OnDeck (2006)
• Kabbage (2009)
• SoFi (2011)
New Players
Investment in FinTech
companies grew by four
times in one year,
reaching $12 billion in
2014
Threat to Banks
• 68% of bank
respondents believe
their small business
lending activities
were under “high
threat” from FinTech
firms
Growth
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
6. Factors Enabling the Industry’s Growth
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Approval
Rates for
Small
Business
Loans
0% 10% 20% 30% 40% 50% 60% 70%
Alternative Lenders
Institutional Investors
Credit Union
Small Bank
Big Bank
7. 0%
10%
20%
30%
40%
50%
60%
70%
Millennials Gen X Boomers Matures
Millennials Prefer Online and
Mobile More than Other
Generations
Online Giving Mobile Giving
FinTech as a Disruptor of Financial Services
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Facts
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Mobile P2P payments in the U.S.
reached $16bn in 2015 and are estimated
to reach $86bn in 2018
P2P loan issuance grew by 65
times from 2009 to 2014 on
Lending Club and Prosper,
reaching $1.7bn
Non-banks’ share of
mortgage originations
went from 10% in 2009 to 42% in
2014
60-80 countries already
have a lending platform or one
expected to launch soon
8. $1.5
$2.7
$5.1
$10.0
$0.0
$2.0
$4.0
$6.0
$8.0
$10.0
$12.0
2011 2012 2013 2014
FundinginBillions
Year
Aggregate Amount of Funding Through Crowdfunding
FinTech as a Disruptor of Financial Services
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Facts
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Kickstarter crowdfunding platform has reached
$1.6 bn in pledges alone, its largest campaign
raised $17+ million
9. The Growth of FinTech
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
0
2
4
6
8
10
12
14
Year 2013 Year 2014
InvestmentinBillionsofUSD
Investment in FinTech Firms
27%
16%
57%
Breakdown
Consumer Lending Business Lending Others
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
10. Lending
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Business
Models
Models:
• Balance sheet lenders
• Marketplace lenders
• Hybrids
Focus on:
• P2P lending, Small business lending, Leveraged lending, Student lending,
Mortgage lending, Commercial Real Estate Lending
Key
Characteristics
• Unsecured lending
• Either mediated or direct flow of funds
• Retail or institutional investors
• Innovative credit scoring models
• Low cost structure and more accurate pricing
• Less regulatory obligations and capital requirements than bank
counterparts
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Practice of lending money to borrowers without traditional financial intermediary
11. Market Segments, Business Models, and the Main Players
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Lending
Merchant and e-Commerce Finance
Invoice Finance
Supply Chain Finance
Trade Finance
12.
13. Lending
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Lending Club and Prosper had 129% CAGR in collective originations 4Q09 to 3Q14
Main Players Description
• P2P lending platform founded in 2006, IPO’d in 2014 (LC)
• Biggest player, yet only has 2% of market share ($4bn in
$240bn market)
• Founded in 2005, focuses on P2P lending and remains
private
• Took 8 years to reach first billion, only six months to reach
second
• Founded in 2006, focuses on business lending
• Quarterly origination volume grew from $61mn/qt in 4Q12
to $313mn/qt in 3Q14; currently has $433 million in loans
outstanding
• Founded in 2011
• Offers refinancing options for students
• No residual risk on originated loans
14.
15. Lending
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Enablers for
Growth
• Data availability
• Supportive regulation
• Risk-taking investors
• Educated borrowers
• Effective platforms
• Third-party service providers
• Socialization of finance
Risks
Outlook
• Investors’ lack of experience
• Making access to capital too easy
• Sustainability and stability still to be tested
• Systemic rick arising from unregulated sector; regulation likely to increase
• Millennial small business owners are 5 times more likely to use
P2P lending than Boomers
• Consolidation
• Internationalization of payments
• Industry formalization
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
16. Lending
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
How Does it Work?
Lending
Club
Partner Bank
(not owned by lending platform)
Investors, banks, institutional
whole loan buyers
Borrowers
(1) Application
(2) Commitment
(5) Cash
(9) Loan Note
(8) Origination Fee
(6) Cash
(7) Loan Note
(4) Loan Note
(3) Net loan proceeds
17. FinTech Firms in Lending Benefitted from Changes in Regulation
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Changes in regulation are driving businesses out of traditional banking system and into new players
Lending Product Regulation Impact Opportunities
Personal
• CARD Act
• Stricter capital requirements
Diluted returns for banks from higher
capital requirements
Increased credit card interest rates
Non-banks not subject to higher capital
requirements
Can price below banks
Small Business
• CCAR
• Focus on concentration and pricing
Regulated banks unable to price risk
in lower credit loans
Non-banks can change to higher rates
on loans with higher risks
Leverage
• OCC Guidance, “Skin in the game”
rules for securitizers, CCAR
Regulated banks unable to take on
riskier deals
Non-banks tap into riskier deals
Commercial Real Estate
• Basel III
• CCAR
Diluted returns for banks from higher
capital requirements
Other lenders can tap into more
complex deals
Mortgage Banking
• Basel III, Home Mortgage Disclosure
Act, Qualified Mortgage rules for
underwriting, “Skin in the game”
rules for securitizers
Banks have to sell MSRs and decrease
number of mortgage originations
Non-banks have doubled their market
share in mortgage origination
Student
• More oversight by CFPB, 2010
elimination of FFEL loan program,
possible student loan bankruptcy
reform
Big banks stopped originating student
loans, divesting into run-off portfolios
Marketplace lenders’ business model
focused on refinancing student loans at
lower rates
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
18. Lending
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Market Overview
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
FinTech lending platforms accounted for $60-70
billion in outstanding loan volumes in 2014
Loans worth $40 billion in China and $5
billion in the U.S.
Total addressable unsecured consumer loan
market estimated at $270 billion, out of
which Lending Club and Prosper, the two largest
players, have 1.8% market share
19. 0
2000
4000
6000
8000
10000
12000
14000
Crowdfunding Wealth Management Payments Unsecured Personal
Lending
Small Business Loans Student Loans Annual Loan
Origination of
Mortgages
Market Size (bn)
Immediately Addressable (bn)
Factors Enabling the Industry’s Growth
Sources: “The Future of FinTech: A Paradigm Shift in Small Business Finance” World Economic Forum. Oct, 2015. and “The Future of Finance” Parts I-III by Nash, Ryan and Beardsley, Eric. Goldman Sachs. March 2015
Broad Opportunities
Millennials are 5 times more likely than Boomers
to use P2P lending for their small businesses
HENRY’s: Tapping into
under-served markets,
the High Earners, Not Yet Rich
Business
Models
Market
Segments
Going
Forward
Major
Players
Growth
FinTech
Disruptor
$4 trillion of immediately addressable revenue in
the socialization of finance sector
50% of Millennials
believe tech start-ups will
overhaul banks
33% of Millennials believe they will
not need a bank in 5 years and only 50%
expect to use cash on a weekly basis by 2020
20. Risks Going Forward
• Regulatory Response as FinTech firms become large
• Funding Sources
• Lending Laws
• Operational Structure – technology risk, data protection,
relationship with traditional banks
• Incumbent banks will respond – JP Morgan & OnDeck
• Consolidation
21. Regulatory Uncertainty Going Forward
China
People’s Bank of China: Online Payments
China Banking Regulatory Comm: Peer to Peer (P2P)
China Securities Regulatory Comm: Crowdfunding
China Insurance Regulatory Comm: Online Insurance