We presented some updated numbers around investment into FinTech in the Stockholm region. This report was commissioned by the Stockholm Business Region.
Over the past 5 years, $658.5 million has been invested in Stockholm fintech companies. In 2015 alone, $137.7 million was invested across 38 deals. Two notable companies leading the way are Klarna, a payments company with $291 million in funding and over 1,000 employees, and iZettle, a mobile payments company with $244 million in funding and over 150 employees. Major investors in Stockholm fintech include Northzone, Creandum, and Kinnevik. The new Payment Services Directive will require banks to open up via APIs, potentially benefiting fintech companies through increased access to banking services and customer data.
Fintech Belgium Summit 2017 - PSD2 - Anthony VerhelpenFinTech Belgium
The document discusses the potential for disruption in the European payments industry due to the introduction of PSD2 regulations. It notes that previously, payments had not faced disruption due to a lack of access to payment infrastructure and the strong legacy of card networks. However, PSD2 now requires banks to provide third parties access to online payment accounts, which could enable competition and new services. The presentation examines how fintechs could utilize these new access rights through services like payment initiation and account information aggregation. It also explores options for fintechs to connect to bank APIs and reduce their regulatory burden through regulatory automation or outsourcing compliance functions.
Invoice interchange – invoice trading for sm esnalinee_c1
This document provides an overview of invoice trading and how the platform InvoiceInterchange works. It begins with introductions and an agenda. It then defines invoice trading, compares it to invoice factoring, and outlines the benefits for businesses in terms of flexibility, transparency, and control. The document discusses how invoice trading works, addresses common myths, and provides a case study example. It concludes by introducing InvoiceInterchange and inviting attendees to ask questions.
Artificial intelligence is transforming the financial services industry in unprecedented ways. Unlike past attempts at AI, today's AI benefits from advances in technology, talent, focus, leadership, and investment. AI is changing the core attributes needed to build a successful financial business, weakening traditional models and creating new centers organized around data, personalization, and augmented performance. Key impacts will include front- and back-office automation, new approaches to customer loyalty, cost savings that can be reinvested, and collective solutions to shared problems.
Fintech Belgium Summit 2018 - ¨Pitch Battle - Ewala Money transfer - Johann ...FinTech Belgium
Ewala is a fintech company that facilitates payments to Africa globally. It has processed over 71,500 transactions totaling 166,000 euros in volume so far in 2018. Ewala aims to become a one-stop shop for remittances, mobile top-ups, bill payments and more between Belgium and Africa by building strategic partnerships and an API-centric platform. The company was founded in 2016 and has a team of 9 people working to obtain its banking license in the third quarter of 2018.
This document discusses fintech and customer-centric innovation in the financial services industry. It notes that technology is enabling new financial products that meet customer needs. The best opportunities come from placing customers' needs at the center of the innovation process by understanding their "jobs" and pain points. Data-driven insights are important to gain these understandings rather than making assumptions. An example of reverse engineering a financial product from the customer perspective is provided. Staying relevant requires continuous innovation, but companies must be careful not to innovate just for the sake of it without understanding customer needs.
This document discusses a mobile application called Accountable that provides a unified experience for banking and accounting for self-employed professionals. It offers complete visibility of tax payables, cash availability, and tailored tax recommendations. The application aims to provide an efficient in-house service for accountants and their clients anytime from a mobile device. Its market is large, with millions of self-employed workers in Europe spending hundreds to thousands of euros per year on accounting services. The startup has raised funds, conducted interviews, and signed up over 100 businesses for its upcoming beta launch in January.
Billie is building the leading European working capital provider for SMEs. They have developed a fully automated risk scoring and know-your-customer system that can onboard new customers in just 7 minutes, cutting costs and increasing access to working capital solutions for SMEs. Billie obtained a full lending license from German regulator BaFin in just 3 months, giving them a competitive advantage. Their approach is based on 3 pillars - the license, partnerships with industry leaders, and automated systems. They aim to unlock an untapped potential market for working capital of up to 1.4 billion euros in Germany alone.
Over the past 5 years, $658.5 million has been invested in Stockholm fintech companies. In 2015 alone, $137.7 million was invested across 38 deals. Two notable companies leading the way are Klarna, a payments company with $291 million in funding and over 1,000 employees, and iZettle, a mobile payments company with $244 million in funding and over 150 employees. Major investors in Stockholm fintech include Northzone, Creandum, and Kinnevik. The new Payment Services Directive will require banks to open up via APIs, potentially benefiting fintech companies through increased access to banking services and customer data.
Fintech Belgium Summit 2017 - PSD2 - Anthony VerhelpenFinTech Belgium
The document discusses the potential for disruption in the European payments industry due to the introduction of PSD2 regulations. It notes that previously, payments had not faced disruption due to a lack of access to payment infrastructure and the strong legacy of card networks. However, PSD2 now requires banks to provide third parties access to online payment accounts, which could enable competition and new services. The presentation examines how fintechs could utilize these new access rights through services like payment initiation and account information aggregation. It also explores options for fintechs to connect to bank APIs and reduce their regulatory burden through regulatory automation or outsourcing compliance functions.
Invoice interchange – invoice trading for sm esnalinee_c1
This document provides an overview of invoice trading and how the platform InvoiceInterchange works. It begins with introductions and an agenda. It then defines invoice trading, compares it to invoice factoring, and outlines the benefits for businesses in terms of flexibility, transparency, and control. The document discusses how invoice trading works, addresses common myths, and provides a case study example. It concludes by introducing InvoiceInterchange and inviting attendees to ask questions.
Artificial intelligence is transforming the financial services industry in unprecedented ways. Unlike past attempts at AI, today's AI benefits from advances in technology, talent, focus, leadership, and investment. AI is changing the core attributes needed to build a successful financial business, weakening traditional models and creating new centers organized around data, personalization, and augmented performance. Key impacts will include front- and back-office automation, new approaches to customer loyalty, cost savings that can be reinvested, and collective solutions to shared problems.
Fintech Belgium Summit 2018 - ¨Pitch Battle - Ewala Money transfer - Johann ...FinTech Belgium
Ewala is a fintech company that facilitates payments to Africa globally. It has processed over 71,500 transactions totaling 166,000 euros in volume so far in 2018. Ewala aims to become a one-stop shop for remittances, mobile top-ups, bill payments and more between Belgium and Africa by building strategic partnerships and an API-centric platform. The company was founded in 2016 and has a team of 9 people working to obtain its banking license in the third quarter of 2018.
This document discusses fintech and customer-centric innovation in the financial services industry. It notes that technology is enabling new financial products that meet customer needs. The best opportunities come from placing customers' needs at the center of the innovation process by understanding their "jobs" and pain points. Data-driven insights are important to gain these understandings rather than making assumptions. An example of reverse engineering a financial product from the customer perspective is provided. Staying relevant requires continuous innovation, but companies must be careful not to innovate just for the sake of it without understanding customer needs.
This document discusses a mobile application called Accountable that provides a unified experience for banking and accounting for self-employed professionals. It offers complete visibility of tax payables, cash availability, and tailored tax recommendations. The application aims to provide an efficient in-house service for accountants and their clients anytime from a mobile device. Its market is large, with millions of self-employed workers in Europe spending hundreds to thousands of euros per year on accounting services. The startup has raised funds, conducted interviews, and signed up over 100 businesses for its upcoming beta launch in January.
Billie is building the leading European working capital provider for SMEs. They have developed a fully automated risk scoring and know-your-customer system that can onboard new customers in just 7 minutes, cutting costs and increasing access to working capital solutions for SMEs. Billie obtained a full lending license from German regulator BaFin in just 3 months, giving them a competitive advantage. Their approach is based on 3 pillars - the license, partnerships with industry leaders, and automated systems. They aim to unlock an untapped potential market for working capital of up to 1.4 billion euros in Germany alone.
Dr. Matthias Knecht, Billie.io- NOAH18 LondonNOAH Advisors
Fintech - Lending Platforms: Company Presentation by Dr. Matthias Knecht, Co-Founder of Billie.io at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.
Fintech & Insurtech - Lending Platforms: Company presentation by Christoph Rieche, Co-Founder & CEO of iwoca at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
This document discusses issues facing small and medium enterprises (SMEs) such as high rates of bankruptcy and cash flow problems. It notes that 40% of Belgian SMEs are refused partial or full credit, and 1 in 4 bankruptcies are directly related to cash flow problems. The document introduces Edebex as a potential solution, which is a marketplace for SMEs to buy and sell commercial receivables. Edebex allows SMEs to sell invoices without collateral and choose which invoices to sell without a credit analysis. It aims to help decrease bankruptcy rates and help companies survive cash flow issues.
This document discusses credit scoring and financial inclusion of underserved small and medium enterprises (SMEs). It notes that 300 million corporations are currently unrated, creating a $2.5 trillion credit gap. TheMarketsTrust Ratings is presented as a solution using big data analytics and machine learning to provide automated, daily credit scoring for SMEs with over 85% accuracy. Their proprietary technology platform called Leopard aims to establish TheMarketsTrust as the next generation credit bureau. The business model involves licensing the Leopard solution to financial institutions and providing subscription-based credit scoring and risk reports to SMEs, banks, and other organizations.
Monzo is a UK-based digital bank that provides banking services through its mobile app. It has grown to over 4 million customers since launching in 2015. While initially focusing on growth, Monzo is now aiming for profitability. It has raised $497 million in funding at a $1.6 billion valuation. Monzo offers current accounts, savings accounts, and other services either directly or through partnerships. It continues to invest heavily in technology and marketing to acquire more customers while working to improve its contribution margin per customer and achieve net profit.
This presentation by Jérémie ROSSELLI, CEO of N26, was made during the discussion “Digital disruption in financial markets” held at the 131st meeting of the OECD Competition Committee on 5 June 2019. More papers and presentations on the topic can be found out at oe.cd/cclm.
Fintech - Presentation by Max von Bismarck, CBO & MD of Deposit Solutions at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
This document discusses a partnership between a bank and a fintech company to improve cash forecasting and working capital management for customers. The fintech, Cashforce, provides a cash and treasury management platform that integrates with various ERP systems to import customer, vendor, invoice, and payment data. It uses this data and "out-of-the-box" cash flow logics to generate accurate cash flow forecasts. The partnership aims to enhance customers' cash forecasting and working capital analytics through Cashforce's platform and tools for order-to-cash, purchase-to-pay, and days of sales/payables outstanding analysis.
Fintech Belgium Summit 2017 - The future of Fintech Regulation by Catherine ...FinTech Belgium
The document discusses regulation of the FinTech sector in Europe. It notes there is huge variation in the regulatory status of FinTech firms across Europe and regulatory status does not correlate with technology. FinTech firms are calling most urgently for EU harmonized regulation in areas like distributed ledger technology, artificial intelligence, crowdfunding, and peer-to-peer lending. The document also summarizes recent reports from the European Supervisory Authorities on robo-advice, concluding no specific regulatory action is needed currently, and from the European Central Bank on FinTech banks and important considerations for their effective leadership and alternative credit scoring.
LITA.co is a crowdfunding platform and sustainable economy fund that provides financing for social and environmental projects facing funding shortages. It has over 10,000 community members, has successfully funded 30 campaigns, and has collected over 8 million euros. LITA.co conducts at least one month of due diligence on each project through analysts across various sectors like green economy, health, and real estate. It then prepares an investment file to educate the public and presents the project to an investment committee. LITA.co develops customized fundraising strategies for each project and works with a range of individual and institutional investors. Its current portfolio includes projects like a voice synthesis app for the deaf, a pregnant clothing rental service
This document summarizes information about Starling Bank and Anne Boden, its founder and CEO. Some key points:
- Starling Bank is a mobile-only banking service that offers innovations not previously seen from banks, such as direct integration with Faster Payments and open banking APIs.
- It has launched a marketplace platform offering insurance, foreign exchange, investments and other financial products directly through its app.
- The document encourages downloading the Starling Bank app or visiting its website for more information. Anne Boden and Starling Bank will be presenting at the NOAH conference in June 2018.
Fintech Belgium Summit 2017 - Blockchain by Olivier RouclouxFinTech Belgium
Blockchain does not provide value for all processes and smart contracts are not suitable for all on-premises systems. Blockchain is best for processes involving multiple participants but stored data may need to be outside the blockchain to ensure GDPR compliance. A blockchain business case requires a global view beyond a single institution as benefits often accrue to new market entrants. Changing existing processes to use blockchain may be more viable than replacing technology if current processes are expensive. Blockchain will not solve all problems or be free, so opportunities should be pragmatic and focus on existing inefficiencies or new business models rather than replacing efficient processes.
Startup Stage - Fintech, Payment, Anti-Fraud & InsurTech - Presentation by Gustav Stuge, CEO of InMyBag at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Lending Platforms - Presentation by Alexander Graubner-Müller, Founder & CEO of Kreditech at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
MarketInvoice Webinar: Introducing your clients to alternative financeMarketInvoice
MarketInvoice's Head of Partnerships Ari Last talks about the types of alternative finance available to businesses and why we've integrated with Xero cloud accounting software.
This presentation was given at Skatteverket (the Swedish Tax agency) at a meeting of all four of the Scandinavian tax agencies, convened to work out how to respond to the various areas of sharing that have emerged in all four countries.
How the Sharing Economy is a more Sustainable EconomyKsenia Benifand
This presentation was developed for Connecting Environmental Professionals, Toronto event, August 18, 2015.
The user research cited in this presentation comes from my Major Research Project on Circular Economy transition.
This presentation was given for Skatteverket (The Swedish Tax Authority) in April 2016. Entreprenörskapsforum commissioned the original report behind this presentation, available at sharing.claireingram.se.
Hírszerzési források:
1) Hírportálok itthon és a világban
Hírgyárak története, a hírközlés alakulása: http://www.slideshare.net/mazsi1/a-hrkzls-fejldse-sszb115-2-elte-ppk-esi
A hagyományos sajtó nyergelt át digitális formára,jelentős médiacsoportok alakultak felvásárlások útján. A közösségi média és az ismerősök hírfogyasztása, megosztása részben kiváltotta ezt a forgalmat, egyre többen fordulnak el a hírgyáraktól. Az elmúlt 3-4 évben a kisebb, tematikus oldalak szerepe nő az univerzális megoldásokkal szemben. Rugalmasságukra és egyedi hangvételükre remek példa a 444!, vagy a vs.hu. Itt már a megszokott rovatfelosztás is elveszti jelentőségét.
2) Keresők fejlődése és a legelsők működése
a Google algoritmus vázlatosan
részletek: http://www.slideshare.net/mazsi1/google-a-vllalat-sszb115-informatika-3-elte-ppk-esi
Kezdetben emberek válogatták katalógusba a talált weboldalak linkjeit. Lerry Page és Sergey Brin ezt kívánták automatizálni doktori munkájuk során. A Backrub rendszert nem vásárolta meg az akkori piacvezető, ezért befektető után néztek - a Google ma már történelem. Ma a piac 80-90%-át szolgálja ki országonként eltérő mértékben.
3) Közösségi oldalak - mindenki híreket gyárt
részletesen: http://www.slideshare.net/mazsi1/le-web-sszb115-informatika-4-elte-ppk-esi
A közösségi média mérete, szerepe
A közösségi média fajtái @koronix munkája nyomán
Hazai közösségi média csoportok
Nemzetközi közösségi média brandek, folyamatok
Szinte mindenki megosztja mindennapjai mozzanatait a világhálón. Ennek számos előnye és hátránya van. Nő a mobilok aránya. Hamarosan több mobiltelefon lesz a Földön, mint ember. Minden második interneten lóg.
Számos célra használunk közösségi médiát. A Facebook mindent visz, de erősödnek a kis tematikus oldalak. Egyre több vezető közösségi oldal csak Kínában elérhető és használt.
Sharing Economy - a megosztás varázsa
A pénz megjelenése előtt is kialakultak megosztásra, cserére ösztönző programok. A '60-as évek óta növekvő termelés és pazarlás kikényszerítette a fölösleg hasznosítását. Egy fúrógépet évente átlagosan negyed óráig használunk 3-4 lyuk kifúrására. Minek porosodjon a polcon?
A felismert felesleges javak kritikus tömege mellett nem kis bizalom szükséges a résztvevők részéről és a hosszútávú működést az is segíti, ha értelmes üzleti modellre épül a szolgáltatás. Tökéletesen példázza ezt az ingatlanok közös hasznosítása a CoachSurfing, HomeExchange, AirBnB evolúciója, ahol a kezdeti ingyenes szolgáltatás egyre profibbá válik, de még mindig olcsó. Hasonló az Telekocsi, Wundercar, Uber története. A vezető multik már most kezdik felvásárolni ezeket az új cégeket, mert a piacukat veszélyeztetik.
Jellemző területek: javak megosztása, közös alapítás/gyárt
Sharing Economy - Múló hóbort vagy a jövő gazdasága?Tamás Müller
A szolgáltatások és termékek közösségi megosztása és fogyasztása napról napra egyszerűbbé válik az online eszközök és platformok segítségével. A fogyasztóknak egyre inkább az elérhetőség és nem a tulajdonlás számít. Néhány területen már bizonyított a sharing economy ereje: Airbnb, ZipCar, Kickstarter. Vajon mi adja meg a végső lökést a megosztáson alapuló gazdaság világméretű elterjedéséhez?
Dr. Matthias Knecht, Billie.io- NOAH18 LondonNOAH Advisors
Fintech - Lending Platforms: Company Presentation by Dr. Matthias Knecht, Co-Founder of Billie.io at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.
Fintech & Insurtech - Lending Platforms: Company presentation by Christoph Rieche, Co-Founder & CEO of iwoca at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
This document discusses issues facing small and medium enterprises (SMEs) such as high rates of bankruptcy and cash flow problems. It notes that 40% of Belgian SMEs are refused partial or full credit, and 1 in 4 bankruptcies are directly related to cash flow problems. The document introduces Edebex as a potential solution, which is a marketplace for SMEs to buy and sell commercial receivables. Edebex allows SMEs to sell invoices without collateral and choose which invoices to sell without a credit analysis. It aims to help decrease bankruptcy rates and help companies survive cash flow issues.
This document discusses credit scoring and financial inclusion of underserved small and medium enterprises (SMEs). It notes that 300 million corporations are currently unrated, creating a $2.5 trillion credit gap. TheMarketsTrust Ratings is presented as a solution using big data analytics and machine learning to provide automated, daily credit scoring for SMEs with over 85% accuracy. Their proprietary technology platform called Leopard aims to establish TheMarketsTrust as the next generation credit bureau. The business model involves licensing the Leopard solution to financial institutions and providing subscription-based credit scoring and risk reports to SMEs, banks, and other organizations.
Monzo is a UK-based digital bank that provides banking services through its mobile app. It has grown to over 4 million customers since launching in 2015. While initially focusing on growth, Monzo is now aiming for profitability. It has raised $497 million in funding at a $1.6 billion valuation. Monzo offers current accounts, savings accounts, and other services either directly or through partnerships. It continues to invest heavily in technology and marketing to acquire more customers while working to improve its contribution margin per customer and achieve net profit.
This presentation by Jérémie ROSSELLI, CEO of N26, was made during the discussion “Digital disruption in financial markets” held at the 131st meeting of the OECD Competition Committee on 5 June 2019. More papers and presentations on the topic can be found out at oe.cd/cclm.
Fintech - Presentation by Max von Bismarck, CBO & MD of Deposit Solutions at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
This document discusses a partnership between a bank and a fintech company to improve cash forecasting and working capital management for customers. The fintech, Cashforce, provides a cash and treasury management platform that integrates with various ERP systems to import customer, vendor, invoice, and payment data. It uses this data and "out-of-the-box" cash flow logics to generate accurate cash flow forecasts. The partnership aims to enhance customers' cash forecasting and working capital analytics through Cashforce's platform and tools for order-to-cash, purchase-to-pay, and days of sales/payables outstanding analysis.
Fintech Belgium Summit 2017 - The future of Fintech Regulation by Catherine ...FinTech Belgium
The document discusses regulation of the FinTech sector in Europe. It notes there is huge variation in the regulatory status of FinTech firms across Europe and regulatory status does not correlate with technology. FinTech firms are calling most urgently for EU harmonized regulation in areas like distributed ledger technology, artificial intelligence, crowdfunding, and peer-to-peer lending. The document also summarizes recent reports from the European Supervisory Authorities on robo-advice, concluding no specific regulatory action is needed currently, and from the European Central Bank on FinTech banks and important considerations for their effective leadership and alternative credit scoring.
LITA.co is a crowdfunding platform and sustainable economy fund that provides financing for social and environmental projects facing funding shortages. It has over 10,000 community members, has successfully funded 30 campaigns, and has collected over 8 million euros. LITA.co conducts at least one month of due diligence on each project through analysts across various sectors like green economy, health, and real estate. It then prepares an investment file to educate the public and presents the project to an investment committee. LITA.co develops customized fundraising strategies for each project and works with a range of individual and institutional investors. Its current portfolio includes projects like a voice synthesis app for the deaf, a pregnant clothing rental service
This document summarizes information about Starling Bank and Anne Boden, its founder and CEO. Some key points:
- Starling Bank is a mobile-only banking service that offers innovations not previously seen from banks, such as direct integration with Faster Payments and open banking APIs.
- It has launched a marketplace platform offering insurance, foreign exchange, investments and other financial products directly through its app.
- The document encourages downloading the Starling Bank app or visiting its website for more information. Anne Boden and Starling Bank will be presenting at the NOAH conference in June 2018.
Fintech Belgium Summit 2017 - Blockchain by Olivier RouclouxFinTech Belgium
Blockchain does not provide value for all processes and smart contracts are not suitable for all on-premises systems. Blockchain is best for processes involving multiple participants but stored data may need to be outside the blockchain to ensure GDPR compliance. A blockchain business case requires a global view beyond a single institution as benefits often accrue to new market entrants. Changing existing processes to use blockchain may be more viable than replacing technology if current processes are expensive. Blockchain will not solve all problems or be free, so opportunities should be pragmatic and focus on existing inefficiencies or new business models rather than replacing efficient processes.
Startup Stage - Fintech, Payment, Anti-Fraud & InsurTech - Presentation by Gustav Stuge, CEO of InMyBag at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Lending Platforms - Presentation by Alexander Graubner-Müller, Founder & CEO of Kreditech at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
MarketInvoice Webinar: Introducing your clients to alternative financeMarketInvoice
MarketInvoice's Head of Partnerships Ari Last talks about the types of alternative finance available to businesses and why we've integrated with Xero cloud accounting software.
This presentation was given at Skatteverket (the Swedish Tax agency) at a meeting of all four of the Scandinavian tax agencies, convened to work out how to respond to the various areas of sharing that have emerged in all four countries.
How the Sharing Economy is a more Sustainable EconomyKsenia Benifand
This presentation was developed for Connecting Environmental Professionals, Toronto event, August 18, 2015.
The user research cited in this presentation comes from my Major Research Project on Circular Economy transition.
This presentation was given for Skatteverket (The Swedish Tax Authority) in April 2016. Entreprenörskapsforum commissioned the original report behind this presentation, available at sharing.claireingram.se.
Hírszerzési források:
1) Hírportálok itthon és a világban
Hírgyárak története, a hírközlés alakulása: http://www.slideshare.net/mazsi1/a-hrkzls-fejldse-sszb115-2-elte-ppk-esi
A hagyományos sajtó nyergelt át digitális formára,jelentős médiacsoportok alakultak felvásárlások útján. A közösségi média és az ismerősök hírfogyasztása, megosztása részben kiváltotta ezt a forgalmat, egyre többen fordulnak el a hírgyáraktól. Az elmúlt 3-4 évben a kisebb, tematikus oldalak szerepe nő az univerzális megoldásokkal szemben. Rugalmasságukra és egyedi hangvételükre remek példa a 444!, vagy a vs.hu. Itt már a megszokott rovatfelosztás is elveszti jelentőségét.
2) Keresők fejlődése és a legelsők működése
a Google algoritmus vázlatosan
részletek: http://www.slideshare.net/mazsi1/google-a-vllalat-sszb115-informatika-3-elte-ppk-esi
Kezdetben emberek válogatták katalógusba a talált weboldalak linkjeit. Lerry Page és Sergey Brin ezt kívánták automatizálni doktori munkájuk során. A Backrub rendszert nem vásárolta meg az akkori piacvezető, ezért befektető után néztek - a Google ma már történelem. Ma a piac 80-90%-át szolgálja ki országonként eltérő mértékben.
3) Közösségi oldalak - mindenki híreket gyárt
részletesen: http://www.slideshare.net/mazsi1/le-web-sszb115-informatika-4-elte-ppk-esi
A közösségi média mérete, szerepe
A közösségi média fajtái @koronix munkája nyomán
Hazai közösségi média csoportok
Nemzetközi közösségi média brandek, folyamatok
Szinte mindenki megosztja mindennapjai mozzanatait a világhálón. Ennek számos előnye és hátránya van. Nő a mobilok aránya. Hamarosan több mobiltelefon lesz a Földön, mint ember. Minden második interneten lóg.
Számos célra használunk közösségi médiát. A Facebook mindent visz, de erősödnek a kis tematikus oldalak. Egyre több vezető közösségi oldal csak Kínában elérhető és használt.
Sharing Economy - a megosztás varázsa
A pénz megjelenése előtt is kialakultak megosztásra, cserére ösztönző programok. A '60-as évek óta növekvő termelés és pazarlás kikényszerítette a fölösleg hasznosítását. Egy fúrógépet évente átlagosan negyed óráig használunk 3-4 lyuk kifúrására. Minek porosodjon a polcon?
A felismert felesleges javak kritikus tömege mellett nem kis bizalom szükséges a résztvevők részéről és a hosszútávú működést az is segíti, ha értelmes üzleti modellre épül a szolgáltatás. Tökéletesen példázza ezt az ingatlanok közös hasznosítása a CoachSurfing, HomeExchange, AirBnB evolúciója, ahol a kezdeti ingyenes szolgáltatás egyre profibbá válik, de még mindig olcsó. Hasonló az Telekocsi, Wundercar, Uber története. A vezető multik már most kezdik felvásárolni ezeket az új cégeket, mert a piacukat veszélyeztetik.
Jellemző területek: javak megosztása, közös alapítás/gyárt
Sharing Economy - Múló hóbort vagy a jövő gazdasága?Tamás Müller
A szolgáltatások és termékek közösségi megosztása és fogyasztása napról napra egyszerűbbé válik az online eszközök és platformok segítségével. A fogyasztóknak egyre inkább az elérhetőség és nem a tulajdonlás számít. Néhány területen már bizonyított a sharing economy ereje: Airbnb, ZipCar, Kickstarter. Vajon mi adja meg a végső lökést a megosztáson alapuló gazdaság világméretű elterjedéséhez?
The document provides an overview of the collaborative economy, which is driven by societal, economic, and technological factors and is disrupting existing business models and institutions. Key points include:
- The collaborative economy enables sharing of goods/services between individuals rather than businesses and customers.
- It is fueled by increased population density, sustainability concerns, a desire for community, and generational attitudes.
- Technologies like social networks, mobile devices, and payment systems facilitate peer-to-peer sharing.
- Areas like transportation, products/apparel, hospitality, and office rental have seen disruption as customers transact directly.
This document provides an overview of the fintech sector in Stockholm, Sweden. It notes that 137.7 million USD was invested in Stockholm fintech companies in 2015, bringing the 5-year total to 658.5 million USD. Payments is the largest segment of fintech companies in Stockholm with 23 companies, followed by other fintech with 18 companies and lending with 16 companies. The document also lists several fintech companies founded in 2014-2015 and the segments they operate in.
FinTech in Stockholm 2015 - DI FinTech ConferenceRobin Teigland
The document provides an overview of the FinTech industry in Stockholm, Sweden. It notes that Stockholm has become a major FinTech hub in Europe, with over 30 FinTech companies founded between 2010-2014 that received $532 million in investments. In 2014 alone, 15 Stockholm FinTech companies received $266 million in investments, accounting for half of the total investments in the previous five years. The document summarizes the growth of FinTech subsectors such as payments, trading/banking technologies, and innovative lending in Stockholm and identifies factors contributing to the city's emergence as a leading FinTech center in Europe.
The rise of FinTech is part of a larger pattern, which includes the automation of a number of processes--and jobs. This presentation encouraged participants to engage with the question "How do I stay relevant in a world that is changing so fast?"
We developed and presented this report, which includes both a quantitative and qualitative investigation of FinTech investment in the Stockholm region. It was released in June 2015.
Stockholm is Europe's second largest FinTech hub after London. Some key facts about Stockholm's FinTech sector:
- In 2014, Stockholm saw $266 million invested across 15 FinTech deals, representing 32% of total investment in Sweden. The top 5 investments that year were in Klarna, iZettle, Trustly, Bima Mobile, and KNC Miner.
- Over the past 5 years, Stockholm attracted 18% of total European FinTech investment, making it the second largest city after London. Total FinTech revenue in Stockholm was estimated at $1.3 billion in 2013, with payments and trading/banking making up the largest segments.
- Employment in Stockholm's Fin
STOCKHOLM FINTECH REPORT - SSE / Stockholm Business RegionMichalGromek
Stockholm is thus now one of the EU’s biggest hubs for Fintech investments, and it is the city in Europe that has attracted the second most investments over the last five years, according to the research report “Stockholm FinTech – An overview of the FinTech sector in the greater Stockholm Region” - conducted together between SSE and Stockholm Business Region (please visit - http://www.investstockholm.com/news/fintech/ for more information)
This document summarizes developments in financial technology (FinTech) and Stockholm's position as a leading FinTech hub. It notes that Stockholm has over 97 FinTech companies, generating over 14 billion SEK in revenue and employing over 5,800 people. Major FinTech segments in Stockholm include payments, lending, wealth management, and cryptocurrency. Emerging technologies like blockchain, peer-to-peer lending, and crowdfunding are disrupting traditional banking models. Stockholm is well-positioned to become a global FinTech leader due to its supportive environment, entrepreneurial talent, and enabling regulatory framework.
(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.
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.
The bank account is the hub of the financial life of consumers, and 95% of all Europeans have a bank account.
Trustly’s vision is to make bank payments simpler and easier for everyone, and we are now finally European for real – today available in 29 markets in Europe.
Venture Capital and Crypto: The Equity SideRaffaele Mauro
This document summarizes venture capital funding trends in blockchain and cryptocurrency startups from 2015-2018. It notes that 2018 VC investments have already exceeded the total for 2017, reaching $1.6 billion across 296 deals. ICO funding in 2018 totals an estimated $5-8 billion. The largest VC deals of 2017 and 2018 are provided as examples. Reasons for and against investing in crypto startups are outlined. Finally, the document discusses evaluating ICO opportunities and potential future scenarios for cryptocurrency and decentralized technology.
Venture Capital and Crypto: The Equity Side | Raffaele Mauro | Blockchain ConfCodemotion
This presentation analyzes venture funding and the startup ecosystem around Bitcoin, cryptocurrencies and crypto tech / blockchan. The focus is not about speculative currrency / token token trading but on teams, companies and the equity side of investing. Beyond hype, looking at fundamentals.
This document provides an overview of Hong Kong's thriving fintech ecosystem and opportunities for fintech companies. It summarizes that Hong Kong has over 800 fintech companies, with the majority focused on business to business opportunities. It also outlines various government support programs for fintech companies, including the Global Fast Track program and Hong Kong Fintech Week. Two success stories of fintech companies establishing offices in Hong Kong with support from InvestHK are also presented.
Quatro Banking Corporation is launching an investment opportunity to raise £16-20 million for an innovative e-banking project. The document outlines Quatro's mission to create a secure online banking system without physical branches that allows customers to access and transfer funds electronically. Investors who purchase shares in Quatro Finance Ltd. will benefit from the projected rapid growth of the e-banking system over the next 5 years, with customer accounts expected to increase from 1 million to 30 million and annual income projected to rise from £15 million to £450 million. The investment covers development of the e-banking technology as well as physical assets like a card manufacturing facility.
Initial Coin Offerings (ICOs): The Class of 2017 - one year laterEY
In the first half of 2018, 86% of the leading initial coin offerings (ICOs) that listed on a cryptocurrency exchange in 2017 are below their initial listing price and a portfolio of these ICOs is down by 66% since the peak of the market at the beginning of this year, according to a study from EY, Initial Coin Offerings: The Class of 2017 – one year later, that examined the ICOs’ progress and investment returns.
Christian Faes, Lendinvest - NOAH18 LondonNOAH Advisors
Fintech - Lending Platforms: Company Presentation by Christian Faes Co-Founder & CEO of Lendinvest at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.
CoinLoan is a European P2P lending platform that allows borrowers to receive fiat loans secured by crypto assets without having to sell their crypto. The platform connects borrowers and lenders, allowing each to set their own terms for lending and borrowing. CoinLoan is based in Estonia and has the required financial licenses to operate.
European Technology Growth Conference (May 2015)gerardgrech
The document discusses the growth of the UK's digital economy and its key drivers. It notes that Tech City UK was launched in 2010 to support digital entrepreneurship in London and UK cities. It outlines 6 key growth drivers powering the UK's digital economy: creative talent and expertise, investment capital, a strong business environment, infrastructure, a rich ecosystem, and location/culture. It provides statistics on digital employment and trends in areas like investment and acquisitions to argue that the UK is a leading digital economy.
Similar to FinTech investment in Stockholm: March 2016 (20)
Digital Traces, Ethics and Insight: Data-Driven Services in FinTechClaire Ingram Bogusz
This presentation was given on 19 March 2018 for an audience at ESBRI in Stockholm. It highlights how, although data have been integral to the creation of new services, products and markets, responsible data use and analysis is vital.
A conversation grounded in slides, which was with a group of Swedish CIOs in March 2018. We talked about the implications of data collection for those who weren't even directly involved in data collection; for organisations, talent hunters, and ultimately ecosystems.
A presentation I gave for Lidingöloppet sponsors about the importance of identity online, especially in light of the rise of ad-blockers and globalisation. The starting point was my own research about the importance of identity in Open Source communities like the Bitcoin one.
This document provides an overview of cryptocurrencies like Bitcoin and the underlying blockchain technology. It discusses how distributed ledgers work through cryptography and a verified asset-agnostic ledger. While blockchains offer benefits like verification at scale, there are also design weaknesses. The document considers potential implications for supply chains, as blockchains could transform how assets are tracked. However, the author advises approaching potential applications with caution, as new skills and tools will be needed to leverage blockchains for "business as usual." Further reading on blockchain projects and investments is also referenced.
A class taught for a Master's course at Uppsala University, in which they were encouraged to design a blockchain-based "app" that improved on crowdfunding as it is today.
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I gave this 10-minute presentation at the IIS offices, in the lead/up to the launch of their book on FinTech in Sweden. The slides outline the contents of a chapter that I contributed to the book.
A little about the pace of technological development--and how it both encourages and requires that we keep pace. However, execution is much of the battle; the technology changes are just the start.
A presentation given on data science, how it is affecting both individuals and firms, and how data science is being incorporated into the firm. Used as the basis for a class on digitalisation and big data for 3rd year Bachelors students.
The document discusses the sharing economy in Sweden. It finds that while the sharing economy has grown, second-hand sales are more common than sharing and exchanging. The sharing economy is driven by factors like increased internet access, lower barriers to entry, and a desire for more sustainable living. Examples of sharing platforms discussed include Uber, AirBnB, and crowdfunding sites. Concerns are raised about the sharing economy's impact on the labor market and potential regulatory challenges. The sharing economy is projected to continue rapid global growth and could reach $90-96 billion by 2025.
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Today saw the launch of a really interesting research collaboration between Stockholm School of Economics, the Stockholm Business Region and Nasdaq. We met loads of really interesting professionals working in the FinTech space in Stockholm. Please do contact us if you have any questions - or just to say hi!
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Explore the key differences between silicone sponge rubber and foam rubber in this comprehensive presentation. Learn about their unique properties, manufacturing processes, and applications across various industries. Discover how each material performs in terms of temperature resistance, chemical resistance, and cost-effectiveness. Gain insights from real-world case studies and make informed decisions for your projects.
1. Fintech in Stockholm
7 April 2016
Robin Teigland, Professor, SSE – robin.teigland@hhs.se
Claire Ingram, PHD Candidate, SSE – claire.ingram@hhs.se
Nicholas Wesley-James, MSc Candidate, SSE – nick.wesleyjames@gmail.com
1
2. Highlights from last years report
2
531.9m USD
Invested in Stockholm Fintech companies over 2010-
2014
18.7%
Of total EU Fintech funding invested in Stockholm
companies over 2010-2014
7.7%
Of total EU Fintech deals involved Stockholm
companies over 2010-2014
5. Stockholm Fintechs moving in on
traditional bank territory
5
Inspiration from CB Insights, SEB base webpage
slightly modified to make more room
6. 137.7m USD in funding to Stockholm
Fintech Companies in 2015
66.6m USD
Intel, Zouk Capital,
Creandum, Dawn
Capital, Index Ventures,
MCI Capital, Northzone
15.0m USD
Accel, Creandum, GP
Bullhound, Martin
Wattin
10.0m USD
Northzone, White
Star Capital
1.9m USD
Undisclosed
1.4m USD
Northzone,
Undisclosed Angels
0.6m USD
Peter Gyllenhammar
0.6m USD
NFT Ventures
0.5m USD
Andreas Bonnier
0.7m USD
Crowdfunding,
Techstars
Undisclosed Undisclosed
Aggregate Media
Undisclosed
NFT Ventures
Undisclosed
NFT Ventures
6
38.0m USD
Kinnevik, LeapFrog
0.7m USD
NFT Ventures
0.5m USD
Karl Johan Persson
1.2m USD
Staffan Persson, Thord
Wilkne
Undisclosed
NFT Ventures
7. Continued Strong Investments in
Stockholm Fintech Companies
72015 estimate based on 2014 growth rates.
m USD
658.5m USD
Invested over the past 5 years
>14bn SEK
Estimated 2015 Revenue for Stockholm Fintechs
>5800
Estimated 2015 Employment for Stockholm Fintechs
181.6
55.4
17.6
266.2
137.7
2011 2012 2013 2014 2015
Investments in Stockholm Fintech Companies
8. Two payments rock stars paving the way
8Description and total funding taken from Crunchbase
Klarna provides e-commerce payment
solutions for merchants and shoppers.
Founded: 2005
2014 Employees: 1 017
2014 Revenue: 2 200m SEK
Disclosed funding to date: 291.3m USD
iZettle, a leading mobile payments company,
offers small businesses portable point of sale
solutions and free sales overview tools.
Founded: 2010
2014 Employees: 167
2014 Revenue: 190m SEK
Disclosed funding to date: 244.0m USD
11. Stockholm hits 100
Fintech companies in 2015
11
0
10
20
30
40
50
60
70
80
90
100
2015201420132012201120102009
#ofCompanies
FinTech Companies in Stockholm by Segment
Payments
Other FinTech
Lending
Trading and Banking Tech
Wealth Management
Crypto Currency
Crowdfunding
Acquired companies included in these totals
13. Implication of the
Payment Services Directive
• Payment services directives 2 passed on January 12
• Must be included in domestic legislation in 2 years
• Among other things, requires that banks open up, operate as APIs
• Intention is to improve consumer experience
• Some precedent (e.g. Tink), but no longer discretionary
• What does this mean for FinTech?
13