The document provides an agenda for a January 2016 event on financing innovation and FinTech industry transformation. The morning session focuses on financing startups, including lectures and group work. The afternoon session discusses FinTech and industry disruption, with lectures from digital economy experts and a discussion on disruptors versus industry incumbents. Guidelines are provided for a group presentation on funding a startup. The document also includes background information on industry transformation drivers, trajectories of change, and the impact of digital technologies on banking.
The presentation involves about Fintech industry, the technologies involved, various UPI's, regulators of Fintech Industry in India and Payment Sytstem in India
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
The presentation involves about Fintech industry, the technologies involved, various UPI's, regulators of Fintech Industry in India and Payment Sytstem in India
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Use of Articificial Intelligence and technologies in providing financial services is what fintech does. Whether it is Payment gateway, insurance, banking, lending, stock trading, taxes.
How Fintech evolved over the years in the World and Indian Economy.
Indian Fintech Companies under different categories
Common Fintech practices adopted by Fintech Companies with better flexibility, convenience and accessibile financial products and services
This Seminar will initiate a reflection regarding the extent to which innovation within the Financial Technology (FinTech) sector can and should be regulated.
The case will be illustrated with examples of the UK and EU market (e.g. the Financial Conduct Authority (FCA)’s Project ‘Innovate’ and the European Commission’s Single European Payment Area (SEPA)) and the implications for innovation will be discussed.
This will be complemented by introducing an Asian perspective as to the capacity of specific jurisdictions to frame and catalyse innovation, focusing on specific challenges and opportunities in Mainland China and Hong Kong.
If you want to know about fintech then you must check out this presentation. Here you will get the basic points about fintech or technology in finance. A fintech is an abbreviated form of Financial Technology. It is also used as a collective term for all the technology in the financial sector. From a technical perspective, it is the seamless integration of technology in the finance sector to produce fast, accurate & efficient solutions for both consumers and businesses.
Complete Guide to CBDC (Central Bank Digital Currency)OliviaJune1
The CBDC is the digital currency managed by central banks, known as the digital fiat or digital base money. CBDC is a virtual digital token of money. Sinine currencies, cryptocurrency certifications and blockchain education are popular amongst the people as Blockchain technology has spread across the world.
Overview of Digital Financial Services LandscapeJohn Owens
This presentation reviews the digital financial service landscape and is a primer for regulators and policy makers wishing to better understand current market developments.
FinTech: The revolution is here!
In this session, we will introduce fintech and discuss the eight key innovations in fintech that are revolutionizing how companies are doing business. This session is geared towards fintech enthusiasts and financial industry professionals who are intrigued and fascinated by the innovations in fintech and would like to learn and adapt to the new realities of the 21st century
FinTech presentation at Banking and Payment System conferenceGrow VC Group
Presentation about fintech ecosystem for new finance services, especially integrated distributed services, and how they are changing the whole finance sector and banking services.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Financial Technologies are about to transform the way we bank, and they have just begun. Thirty years ago, the advent of communication technologies has revolutionized capitals markets and merely Finance. Financial products’ increased accessibility has made markets more liquid than ever, thus increasing trade, growth and development. Since then, human have created technologies which still was sketched in Fictions books few decades ago. Giant calculators, Internet, Nano-technologies and micro-computing are today about to change our entire world. Finance is not left aside, quite the contrary; it is actually deeply concerned by these technologies which progress exponentially and create opportunities until then unimaginable. Financial technologies’ companies, called FinTech embody this revolution’ outlooks. Global investments inside those start-ups have doubled from 12 billion in 2014 to 22 billion in 2015. They had just tripled from their 2013’s level (4 billion) and this trend may keep going yet a while. The last revolution had allowed bank to bank better. Instead, this one should allow people to bank, but without bank. That the main point of this revolution, it is disruptive. In this paper, we are going to assess potential threats that the FinTech trend could have upon traditional French Banks; How French could perceive this change, how FinTech could grow and how banks could cope.
This Seminar will initiate a reflection regarding the extent to which innovation within the Financial Technology (FinTech) sector can and should be regulated.
The case will be illustrated with examples of the UK and EU market (e.g. the Financial Conduct Authority (FCA)’s Project ‘Innovate’ and the European Commission’s Single European Payment Area (SEPA)) and the implications for innovation will be discussed.
This will be complemented by introducing an Asian perspective as to the capacity of specific jurisdictions to frame and catalyse innovation, focusing on specific challenges and opportunities in Mainland China and Hong Kong.
If you want to know about fintech then you must check out this presentation. Here you will get the basic points about fintech or technology in finance. A fintech is an abbreviated form of Financial Technology. It is also used as a collective term for all the technology in the financial sector. From a technical perspective, it is the seamless integration of technology in the finance sector to produce fast, accurate & efficient solutions for both consumers and businesses.
Complete Guide to CBDC (Central Bank Digital Currency)OliviaJune1
The CBDC is the digital currency managed by central banks, known as the digital fiat or digital base money. CBDC is a virtual digital token of money. Sinine currencies, cryptocurrency certifications and blockchain education are popular amongst the people as Blockchain technology has spread across the world.
Overview of Digital Financial Services LandscapeJohn Owens
This presentation reviews the digital financial service landscape and is a primer for regulators and policy makers wishing to better understand current market developments.
FinTech: The revolution is here!
In this session, we will introduce fintech and discuss the eight key innovations in fintech that are revolutionizing how companies are doing business. This session is geared towards fintech enthusiasts and financial industry professionals who are intrigued and fascinated by the innovations in fintech and would like to learn and adapt to the new realities of the 21st century
FinTech presentation at Banking and Payment System conferenceGrow VC Group
Presentation about fintech ecosystem for new finance services, especially integrated distributed services, and how they are changing the whole finance sector and banking services.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Financial Technologies are about to transform the way we bank, and they have just begun. Thirty years ago, the advent of communication technologies has revolutionized capitals markets and merely Finance. Financial products’ increased accessibility has made markets more liquid than ever, thus increasing trade, growth and development. Since then, human have created technologies which still was sketched in Fictions books few decades ago. Giant calculators, Internet, Nano-technologies and micro-computing are today about to change our entire world. Finance is not left aside, quite the contrary; it is actually deeply concerned by these technologies which progress exponentially and create opportunities until then unimaginable. Financial technologies’ companies, called FinTech embody this revolution’ outlooks. Global investments inside those start-ups have doubled from 12 billion in 2014 to 22 billion in 2015. They had just tripled from their 2013’s level (4 billion) and this trend may keep going yet a while. The last revolution had allowed bank to bank better. Instead, this one should allow people to bank, but without bank. That the main point of this revolution, it is disruptive. In this paper, we are going to assess potential threats that the FinTech trend could have upon traditional French Banks; How French could perceive this change, how FinTech could grow and how banks could cope.
the Fintech industry in Canada is disrupting the traditional baking industry and creating challenges for those banks that don't adopt technology as part of their business strategy. The following is an industry white paper that outlines some of the trends in the industry currently, and questions fintech companies and banks alike should ask themselves while they undertake their strategic planning process.
Digital Business. Countries – leaders, issues, initiatives. Companies – shift...Natalia Berdyeva
Objectives:
- Provide analysts and some industry leaders view on Digital development and future, on Countries and Companies levels
- Outline key issues, shifts, implications. Not everything, but certainly important things to consider
The future of Bitcoin & 9 ways to improve itSam Wouters
Last weekend (8-9 October) they came together in Milan, Italy at Scaling Bitcoin #3. I was not present, but I still wanted to add value as I fundamentally believe an open blockchain like Bitcoin's can make the world a better place. So I went through all the transcripts on scalingbitcoin.org to create a (hopefully) clear overview of the future of Bitcoin for (potential) Bitcoin users.
Interested in learning more? Check out my website or book me as a speaker: http://samwouters.com/
Twitter: https://twitter.com/SDWouters
LinkedIn: https://www.linkedin.com/in/samwouters
7 Things Banks should do with BlockchainSam Wouters
Most banks are currently investigating or “leveraging blockchain”. Some of them are even testing “use cases” to go beyond the talk and hype. All of them are focusing on a single future scenario, which is dangerous. In this slide deck, I give banks 7 tips on what they should do with a blockchain.
https://twitter.com/SDWouters
http://samwouters.com/
In his presentation at Blockchain Vlaanderen, Sam Wouters explained why the Blockchain exists, how it works and what can be done with it.
Interested in learning more? Check out my website or book me as a speaker: http://samwouters.com/
Twitter: https://twitter.com/SDWouters
LinkedIn: https://www.linkedin.com/in/samwouters
We surveyed 200+ employees in financial services. This is what we found... See results and suggestions that can help you improve your job at your bank or credit union.
What we carry with us in our everyday lives and interactions is just as important for our success as our technical skills and achievements.
This is what I carry with me. What do YOU carry?
Slides designed and produced with Haiku Deck for iPad. Set your story free with Haiku Deck at http://www.haikudeck.com/
You can learn more about Jonathon Colman at http://www.jonathoncolman.org/
Growing momentum for Disruption in FinTech:
Looking back and looking forward.
Recording of the Backbase webinar of December 18th, 2014.
In our 2014 closing webinar we will look back at the disruptive highlights of this year and we start looking forward to 2015.
From BBVA acquiring Simple, to more and more neo-banks popping up, fintech startups going IPO and omni-channel moving from marketing buzz to the real thing. In this 60 minute webinar, Backbase's Jouk Pleiter and Jelmer de Jong discuss the main trends and best practices for banks and credit unions to keep on disrupting in the digital banking space.
Leading into the Third Industrial RevolutionRobin Teigland
My keynote presentation at the NEMO 14 (New Media Modern Democracy) "Meet the Digital Naturals" Conference at Lund University Campus Helsingborg in October 2014. http://nemo.blogg.lu.se/594/
This conference explored technological innovation across the financial services sector, from developments in leading tier 1 institutions to the disruptive innovators within the start-up community that are reshaping the FS market. The agenda also contextualised the impact of key technology trends such as: Cloud, Mobile, Big Data and Block Chain technology.
Third & Fourth Industrial Revolution - DalarnaRobin Teigland
My slides from a presentation in Falun, Sweden in June 2016 for a networking event for SMEs from the Dalarna region: http://www.mellansvenskahandelskammaren.se/Events/4201/Valkommen-pa-Supernatverkstraff
My ppt for Nordic Financial Unions Annual Conference in May 2015 in Hurdalsjoen, Norway (http://nordicfinancialunions.org/ ) as well as for CGI Day in Stockholm in June 2015 (http://www.cgi.se/events). Feel free to use.
Insights Success has shortlisted “The 20 Most Innovative FinTech Solution Providers 2018.” Our Cover Story features Advisor Software, Inc., which simplifies the process by bringing tried and tested functionality to the systems you already use. ASI focuses on advancing the science of wealth planning so financial advisors can focus on the art of advice delivery.
Safaraz Ali, Founder of TCI Pathway Ltd, has compiled a list of 20 of the top 'movers and shakers' in FinTech.
With numerous accolades and a wealth of experience in financial technology, these professionals are well worth following. We've provided you with a brief bio for each of them, as well as their social media details.
Cryptocurrencies, Blockchain & Smart Contracts: The New Wave of DecentralizationRaffaele Mauro
"Exponential Talk" at Business Integration Partners
Milan, 18 November 2015
Discussion about Bitcoin, Blockchain, Cryptocurrencies, Smart Contracts and Financial Innovation
The Top 20 Movers & Shakers in UK FinTech compiled by @SafarazAliThe Pathway Group
Safaraz Ali, founder of TCI Pathway Ltd, has compiled a list of 20 of the top 'movers and shakers' in FinTech.
With numerous accolades and a wealth of experience in financial technology, these professionals are well worth following. We've provided you with a brief bio for each of them, as well as their social media details.
Leading in a Digital World_MCS_Overview.pptxRobin Teigland
Presentation made for Ocean Data Factory Sweden webinar series on our next innovation cycle - "Filling Coastal Data Gaps - Let's Do it Ourselves!". Collaboration with Chalmers, SMHI, Mooringo, Ocean Tech Hub Lda on a marine citizen science low-code, low-cost sensor live case for 2nd year Industrial Economics MSc students Chalmers University of Technology Spring 2023.
Network Leadership for a Sustainable FutureRobin Teigland
Updated presentation of my research into networked leadership for a sustainable future - including our work with Peniche Ocean Watch (www.penicheoceanwatch.com)
Live Teaching Case: The Gothenburg Smart City ChallengeRobin Teigland
Describes a live case used in the third year of the Industrial Economics program at Chalmers University of Technology in Gothenburg, Sweden. The focus is on Smart Cities, open data, and digital innovation.
My slides (in English) from our presentation at Styrelseakademien on Oct 21, 2019 in Stockholm at PWC offices. As part or our project, 4boards.ai, https://4boardsai.wordpress.com/.
Keynote Chalmers Transportation in Age of DigitalizationRobin Teigland
keynote speech at Chalmers Conference in Sept 2019, https://www.chalmers.se/en/areas-of-advance/Transport/calendar/initiative-seminar-2019/Pages/default.aspx
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@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.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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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
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
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 can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
2. Today’s schedule
Morning: Financing Innovation
− 9:00 to 10:30 Lecture
Michal Gromek, PhD SSE, FundedByMe, Lendico, Rocket Internet
− 10:30 to 11:30 Groupwork: Funding your Startup
− 11:30 to 12:00 Group presentations
Afternoon: FinTech and Industry Transformation?
− 13:00 to 15:00 Lecture
− 15:00 to 17:00 Discussion: Disruptor vs Industry
Incumbent
Anna Felländer, Digital and Futuring Economist, Swedbank
Henrik Rosvall, CEO and Founder, Dreams
3. Groupwork: Funding your startup
Prepare a max 5 minute presentation
− How much funding do you need to get your idea off the
ground?
− Which form(s) of financing will you go after? And When?
− What will you give in return for financing? E.g., equity,
reward, nothing
− How long will it take for you to provide the return for
your “investors”?
− What do you need to do to prepare for raising financing?
4. If the rate of change on the
outside exceeds the rate of
change on the inside,
the end is near....
-Jack Welch
5. What triggers industry transformation?
Johnson & Scholes 1997
Politics and
government
Environment Technology
Legal
structure
Social and
demographic
structure
International/
national
economy
Industry
structure
6. Two dimensions of transformation
Core activities – Recurring actions a company
performs that attract and retain suppliers and
buyers (profit-making activities)
Core assets – Durable resources, including
intangibles, that make a company more efficient at
performing core activities
McGahan, HBR, 2004
16. What is FinTech?
Accenture/CB Insights
Technologies for banking and corporate finance,
capital markets, financial data analytics,
payments, and personal financial management
Finance TechnologyFinTech
18. FinTech World
Personal Finance
Payments Bitcoin & Blockchain
Currency
Currency Remittance & FX
Lending
Crowdfunding
Robo-investing & Asset
Management Tech
Consumer Banking &
Saving
The Wharton FinTech Club
What is FinTech?
22. 1950 1960 1970 1980 1990 2000 2010
1959,
Bankgirot
founded
1985, Swedish
financial and credit
markets deregulated
1968, World’s first
online ATM in
Sweden
First wave of electronic trading
software companies emerges
2003, First
BankID issued in
Sweden
1990s, Sweden invests in Internet
infrastructure, today country with 3rd
highest Internet penetration
2010, iZettle
founded
2010, Neonet
$160M exit 2014,
iZettle
raises
$55M
2014, Klarna raises
$125M in PE
1967, First ATM
installed in
Sweden
1984,
Optionsmäklarna
(OM) opens in
Stockholm, Sweden’s
first stock option
market, electronic
trading introduced
2012, TriOptima,
$160M exit
2005, Klarna
founded
1998, Merger
between
Stockholm’s
Stock Exchange
and OM
Stockholm
2007, NASDAQ
acquires OMX Group
Unicorns such as Skype, King, Spotify
and Mojang founded
2014, FinTech
Funding in
Stockholm
Explodes
Long history of “FinTech” in Stockholm
http://www.slideshare.net/eteigland/stockholm-49722748
23. In just the past few years in Stockholm…
Company Founded Business
Klarna 2005 E-commerce payment services
MyLoan 2006 Loan broker
Trustly 2008 Online payments
iZettle 2010 Mobile payments
FundedByMe 2011 Crowdfunding, crowd equity
Kivra 2011 Digital mailbox
Tink 2012 Personal finance
Safello 2013 Cryptocurrency exchange
KnCMiner 2013 Cryptocurrency mining equipment
Toborrow 2013 P2P lending for companies
Cryex 2014 Cryptocurrency clearing house
24. Stockholm #2 FinTech city in EU
2010-2014 investment
● $532 Mln
2014 investment
● $266 Mln
Top 2014 Investments in
Stockholm FinTech
Companies (USD Mln)
Klarna $125
iZettle $55
Trustly 29
Bima Mobile $22
KNC Miner $14
http://www.slideshare.net/eteigland/stockholm-49722748
28. But in China alone in 2015…
http://www.crowdfundinsider.com/2016/01/79612-report-china-p2p-lending-topped-150-billion-in-2015/
29. Four forms of crowdfunding
Form Benefits for funders
Donation-
based
Donation Intangible benefits.
Reward-
based
Donation or pre-
purchase
Rewards in addition to
intangible benefits.
Equity-based Investment
Return on investment if
company does well. Rewards
sometimes also offered and
intangible benefits may motivate
too.
Loan-based Loan
Repayment of loan with
interest. Alternatively intangible
benefits if loan given interest-
30.
31.
32. Democratizing innovation and investment?
Women in USA
<30% of business
owners
<15% of angel investors
<10% of venture
capitalists
Marom, Robb and Sade 2014
Women on
Kickstarter
35% of project leaders
44% of investors
Women invested in
women project leaders
(>40% of projects)
VS
49. What is a cryptocurrency?
Digital
Decentralized, peer-to-peer (P2P), i.e., no central,
third party
Uses cryptography to validate/secure transactions
Also uses cryptography to generate currency itself
Non-technical explanation of Bitcoin
− https://www.youtube.com/watch?v=t5JGQXCTe3c
50. Within 6 years:
Challenging the
fiat money
system?
Bitcoin – An emergent phenomenon
• Open source project on SourceForge in Jan 2009
• Original source code by “Satoshi Nakamoto” – pseudonym?
• Developed by self-organizing community of thousands of
strangers across globe
• Approx USD 6.5 bln market cap and approx 180,000 daily
transaction volume of USD 101 mln
• 1 BTC = USD 431 (Jan 14, 2016)
Teigland, Yetis, Larsson 2013 http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2263707
51. How does Bitcoin work?
Screenclip from: How Bitcoin Works under the hood, by “Curious Inventor”
Blockchain
• Shared public ledger
• All transactions ever
made logged
• Chronology and
integrity enforced by
cryptography
57. IoT and smart contracts
Ownership attached to asset/property (e.g., real
estate, shares) and can be verified
Run on Bitcoin ledger, execute legal rules between
two entities: people, organizations, machines
Trustless because no center, no one in middle – the
network is the middleman
Example: I run a private weather station using
neighbors’ sensors. Smart contracts enable payment
to neighbors for data sent from their sensors to my
weather station.
But time will tell… uses we cannot imagine today.
https://www.youtube.com/watch?v=JsC4ptn2Aik
61. FinTech World
Personal Finance
Payments Bitcoin & Blockchain
Currency
Currency Remittance & FX
Lending
Crowdfunding
Robo-investing & Asset
Management Tech
Consumer Banking &
Saving
The Wharton FinTech Club
What is FinTech?
62. FinTech – An increasingly crowded space
• Growing number of entrepreneurs with
experience from established finance industry
• Increasing number of FinTech incubators
• Collaboration among established banks
• Open innovation through open APIs
• Other big non-banking entrants
65. Responses to disruptive strategic innovation
Charitou, C. D., & Markides, C. C. (2012). Responses to disruptive strategic innovation. MIT Sloan Management Review
67. Incumbents running incubators
Actor Incubator Location
Citi Mobile
Challenge
Americas, EMEA,
Asia Pacific
DBS & Nest Investment Accelerator Hong Kong
Wells Fargo Startup
Accelerator
USA
Accenture and Bank of
America, Merrill Lynch,
Barclays, Credit Suisse,
Deutsche Bank, Goldman
Sachs, HSBC, JPMorgan, UBS
Innovation Lab NY, London,
Hong Kong
“Innovation labs are a sign that banks are taking the FinTech threat
seriously as they recognize that we’re coming to eat their lunch.”
-FinTech Entrepreneur
70. Betting on the Blockchain - Together
Goldman Sachs, JPMorgan,
Credit Suisse, Barclays,
Commonwealth Bank of
Australia,
State Street, RBS, BBVA, UBS,
Nordea, SEB, + ……
+
71. FinTech challenges
Regulation
Privacy
Security
Untested in periods of high interest rates,
increased risk, and reduced investment
72. Previously…
In the eight-year period between the Netscape IPO
and the acquisition of PayPal (one of the winners of
this era) by eBay, more than 450 attackers – new
digital currencies, wallets, networks, etc. –
attempted to challenge incumbents.
Fewer than five of these survive as stand-alone
entities today.
McKinsey, 2015
74. Two models of industry transformation
McGahan, HBR, 2004
75. Thomas Jefferson (1816)
“Laws and institutions must go hand in hand
with the progress of the human mind.”
The problem is that the human mind itself
can’t keep pace with the advances that
computers are enabling.
http://wadhwa.com/2014/04/15/mit-technology-review-laws-and-ethics-cant-keep-pace-with-technology/
76. The future is already here,
it’s just not very evenly
distributed.
- William Gibson