The document discusses innovations in finance. It notes that innovation can be continuous or disruptive and refers to using new ideas or methods, whereas invention refers to creating the ideas or methods. It explores why banks and financial institutions often fail to innovate, citing barriers like unproven business cases, regulatory hurdles, and fast followers. The document then highlights examples of financial innovations and disruptions, including new banking products, services, and technologies. It emphasizes that truly innovative requires commitment from top leadership.
Rise of the Robo Advisors: The Growing Trend of Automating Asset Allocation S...OurCrowd
Companies like Wealthfront and Betterment have garnered billions of investor dollars as individuals search out a cheaper, easier, technology solution to managing their money. In this presentation, Zack Miller describes the emergence of the robo advisors, who the top competitors are, and where the market is headed.
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.
Chris Pitt explored the likely future and profitability of robo-advice at the Goodacre Securities Conference, considering current trends, lessons from the past and future forecasts. Watch the presentation on periscope: https://www.periscope.tv/w/1kvJpVyyoBLKE
Rise of the Robo Advisors: The Growing Trend of Automating Asset Allocation S...OurCrowd
Companies like Wealthfront and Betterment have garnered billions of investor dollars as individuals search out a cheaper, easier, technology solution to managing their money. In this presentation, Zack Miller describes the emergence of the robo advisors, who the top competitors are, and where the market is headed.
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.
Chris Pitt explored the likely future and profitability of robo-advice at the Goodacre Securities Conference, considering current trends, lessons from the past and future forecasts. Watch the presentation on periscope: https://www.periscope.tv/w/1kvJpVyyoBLKE
The wealth management industry is entering a period of significant disruption, with robo-advice at the heart of this disruption. Digital, automated advice will likely become a standard expectation for the mass-affluent and mass-market segments. But big data and advanced analytics have the potential to dramatically expand the scope of roboadvice, incorporating financial planning into broader retirement, health, and wellbeing, and enabling quasi institutional research, which could then impact all investor segments. All wealth management firms should take notice. Read more: http://www2.deloitte.com/us/en/pages/consulting/articles/robo-advisors-capitalizing-on-growing-opportunity.html
The Empire strikes back. As the first wave of robo-advisers retreats, their technology innovation is used against them. They continue to be sold or morph into white-labeled B2B platforms. Retail giants such as Vanguard, Schwab and Fidelity use their scale to hoover up the low-end of the advisory market. Meanwhile, traditional wealth managers, such as Morgan Stanley, Merrill Lynch and UBS, continue to move up-market, adopting robo technologies and evolving into cyborg-advisors. DOL's fiduciary ruling catalyzes a new era for wealth managers as their product-pushing brokers soon become extinct. Digital financial planning becomes fully integrated into a technology-rich private banking model covering assets and liabilities. Client engagement and advisory technologies define the new battleground.
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/
A presentation on P2P banking and Transition banks for a Transition Town meeting in Stoke Newington, Feb 9th 2013 Recommends a) joining Reconomy b) adopting a LETS project such as Brixton Pound c) Set up a Transition Banking Foundation d) investigate setting up a Transition Council
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.
Digital finance, crowdfunding and creative content businessGrow VC Group
Introduction to crowdfunding and digital finance models. How does the ecosystem look? How to use crowdfunding? Roles and services? How to make a successful campaign? Legal requirements and restrictions?
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.
Summarizes the activities and businesses of Grow VC Group in fintech and digital finance space. Grow VC Group includes 10 companies that create new finance solutions.
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.
Deal Index - aggregating digital investing market dataGrow VC Group
DealIndex: Aggregating Digital Investing Markets. Global Crowdfunding Aggregator. Real-time data and deals on private companies raising
capital, backed by analytics, insights and research.
A guide to the local fintech startups, the VCs, the funding, the revenue and more. This is Volume 2 and shows year over year changes from 2014's slideshare.
Blockchain and the Unbanked: The Road to Financial InclusionGeorge Samuel Samman
-Blockchain + Mobile goes beyond the “last mile” to the “last metre”.
-Banks and financial services companies can connect with the unbanked at the edge of wireless.
-At a time when they are cutting back on physical branches due to regulatory and margin pressures.
-Access to Global Capital Markets for the vast majority of the world.
-Social Impact at the Intersection of Fintech.
'Change the game' conference june 2015 nick eatockVictor Oppong
Nick Eatock will be sharing Intelliflo’s digital advice vision looking at changing consumer attitudes to finance in a mobile-enabled world. This paradigm shift changes the engagement model and can put advice businesses in pole position for customer primacy with our new version of Personal Finance Portal. It can help deliver truly effective customer segmentation, reduced cost to serve and richer engagement. Nick will also cover our new “democratising development” initiative built on iO’s new Communities feature.
The wealth management industry is entering a period of significant disruption, with robo-advice at the heart of this disruption. Digital, automated advice will likely become a standard expectation for the mass-affluent and mass-market segments. But big data and advanced analytics have the potential to dramatically expand the scope of roboadvice, incorporating financial planning into broader retirement, health, and wellbeing, and enabling quasi institutional research, which could then impact all investor segments. All wealth management firms should take notice. Read more: http://www2.deloitte.com/us/en/pages/consulting/articles/robo-advisors-capitalizing-on-growing-opportunity.html
The Empire strikes back. As the first wave of robo-advisers retreats, their technology innovation is used against them. They continue to be sold or morph into white-labeled B2B platforms. Retail giants such as Vanguard, Schwab and Fidelity use their scale to hoover up the low-end of the advisory market. Meanwhile, traditional wealth managers, such as Morgan Stanley, Merrill Lynch and UBS, continue to move up-market, adopting robo technologies and evolving into cyborg-advisors. DOL's fiduciary ruling catalyzes a new era for wealth managers as their product-pushing brokers soon become extinct. Digital financial planning becomes fully integrated into a technology-rich private banking model covering assets and liabilities. Client engagement and advisory technologies define the new battleground.
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/
A presentation on P2P banking and Transition banks for a Transition Town meeting in Stoke Newington, Feb 9th 2013 Recommends a) joining Reconomy b) adopting a LETS project such as Brixton Pound c) Set up a Transition Banking Foundation d) investigate setting up a Transition Council
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.
Digital finance, crowdfunding and creative content businessGrow VC Group
Introduction to crowdfunding and digital finance models. How does the ecosystem look? How to use crowdfunding? Roles and services? How to make a successful campaign? Legal requirements and restrictions?
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.
Summarizes the activities and businesses of Grow VC Group in fintech and digital finance space. Grow VC Group includes 10 companies that create new finance solutions.
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.
Deal Index - aggregating digital investing market dataGrow VC Group
DealIndex: Aggregating Digital Investing Markets. Global Crowdfunding Aggregator. Real-time data and deals on private companies raising
capital, backed by analytics, insights and research.
A guide to the local fintech startups, the VCs, the funding, the revenue and more. This is Volume 2 and shows year over year changes from 2014's slideshare.
Blockchain and the Unbanked: The Road to Financial InclusionGeorge Samuel Samman
-Blockchain + Mobile goes beyond the “last mile” to the “last metre”.
-Banks and financial services companies can connect with the unbanked at the edge of wireless.
-At a time when they are cutting back on physical branches due to regulatory and margin pressures.
-Access to Global Capital Markets for the vast majority of the world.
-Social Impact at the Intersection of Fintech.
'Change the game' conference june 2015 nick eatockVictor Oppong
Nick Eatock will be sharing Intelliflo’s digital advice vision looking at changing consumer attitudes to finance in a mobile-enabled world. This paradigm shift changes the engagement model and can put advice businesses in pole position for customer primacy with our new version of Personal Finance Portal. It can help deliver truly effective customer segmentation, reduced cost to serve and richer engagement. Nick will also cover our new “democratising development” initiative built on iO’s new Communities feature.
Mark Manton - Digital Transformation - Birmingham Marketing ConferenceEdge Global Media Group
Mark Manton, Head of Online Marketing UK&I, Experian
Topic: How Digital Transformation Drives Innovation
Digital transformation is a unique journey for each business on its path to digital maturity. But each business shares a common challenge – how to respond effectively to the radical shift in customer behaviour and online buying habits.
- Embracing the pace of change in digital transformation – the era from Mad Men to Maths Men
- Understand how to successfully make innovation happen through digital transformation
- How to adopt a ‘digitally disruptive’ mindset and culture that enables innovative transformation
- What successful innovation looks like in a digitally mature and transformed business
Global Wealth Partner Presentation | Wealth MigrateWealth Migrate
At Wealth Migrate we have funded ourselves differently. Basically in 2014, Scott Picken the Founder read Behind the Cloud by Marc Benihoff (Founder of Salesforce). They never used VC and started their Design Partners in 1999 with their own clients. Through this community they not only built a world class and UX friendly system, they raised $64m and these investors shared in the upside of the 14th biggest technology company in the world.
In June 2014 we formed our Wealth Partners. We currently have 90 Wealth Partners who have invested in our company, joined the global community, assist to built a world class platform and will share in the upside of this purpose driven company. We have done several rounds and have raised just over $8m to-date.
Our simple CAP Table looks like this
Founders & Management 52%
Non-Exec 5%
Wealth Partners 37%
Employee Incentive Pool 6%
This was the presentation which Scott Picken the Founder & CEO of Wealth Migrate shared.
Wealth Migrate, Your Trusted Global Real Estate Marketplace, is leading The Wealth Movement in globally creating wealth for all through real estate and technology! http://www.wealthmigrate.com
Wealth Migrate is a KPMG Global Top 50 Fintech company, top-10, global real estate investment platform, bringing the tools and transparency to enable emerging market investors access to high yield, institutional quality, developed market real estate at scale. Our FinTech enabled platform makes direct investment accessible, safe and affordable for global retail investors seeking US dollar, Aus dollar or Pound based income. By leveraging big data technology, robo-advisory based on goals, block chain record-keeping, global boots on the ground origination and the social power of collective buying—we bring trust, transparency and access to an opaque and complex process.
Wealth Migrate will do this through the power of the crowd and technology, by helping investors have access to invest and partner with the safest and best institutional grade opportunities locally or internationally, while letting real estate providers have access to the depth and quality of global investors, thus creating global wealth for all!
It provides a global, self-service, Fintech real estate solution, which takes advantage of local real estate markets, through best-of-breed partners, efficiency, a global IT platform and collective buying power.
Basically it is tomorrow’s simple answer to making sophisticated investments in local and global real estate, residential and commercial, with like-minded real estate investors and to create global wealth, today.
Wealth Migrate’s foundations are built firmly on three core values, trust, transparency and most importantly making sure that everyone’s interests are aligned. It is a blend of nature’s laws and technology which revolves around partnerships, as nature teaches us.
This presentation is completely related to the CITI group, with an valid and authenticated information. At the same time this slides are completely looking on the view of Business Strategy of CITI group.
Is Investing Dull? How technology can be used to promote and sustain client e...IRESS
Presented at the WMA Annual Summit 2016, Simon New explored the current world of investing and suggested ways in which the industry can take inspiration from others to enhance the client investment process through better engagement
All marketing aspects including financial and HR policies are explained elaborately . Subsidiaries, value system , competitors. A comparison study among TCS INFOSYS and Wipro is given Briefly.
Around the world a range of private and public sector organisations are focused on digital identity as a means of delivering secure and convenient services on line.
On 25 July 2017, AusPayNet hosted a visit from TD bank in Canada to learn first-hand about the opportunities and challenges inherent in rolling out a nationwide, cross-sector digital identity framework.
Speakers at the event were:
* Chuck Hounsell, Senior Vice President Payments, TD Bank
* Andre Boysen, Chief Identity Officer, SecureKey
* David G.W. Birch, Author and Consultant
strategic management presentation on walt disney also include blue ocean strategy, swot and tows analysis,ansofs matrix, porters five forces strategy,analysis of vision and mission statement of walt disney
This is my latest presentation on digital bank trends, that accompanies the book Digital Bank http://www.amazon.com/Digital-Bank-Chris-Skinner-ebook/dp/B00G1L9MDI/ref=zg_bs_154892011_9
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.