presentation by James Alexander, CEO of Zopa, to the Financial Services Club in February 2008. Blog entry http://thefinanser.co.uk/fsclub/2009/08/the-debate-continues-about-zopa.html explains all.
Investigacion Biomedica, Bienestar Social y el Valor estrategico del Sistema Nacional de Salud. Bernat Soria i Escoms. Curso de verano Calidad e Innovacion en el SNS (Santander, ago. 2009)
Giles Andrews: Peer-to-Peer Lending - Born in a Barn
Keynote address by Giles Andrews, of Zopa, at LendIt Europe 2014. The title of this presentation is Born in a Barn.
Richard Duvall, Founder of Zopa, talking about the new venture a week before launch at the Financial Services Club, February 2005. Blog entry http://thefinanser.co.uk/fsclub/2009/08/the-debate-continues-about-zopa.html explains all. Sadly, Richard is no longer with us. We miss him.
Investigacion Biomedica, Bienestar Social y el Valor estrategico del Sistema Nacional de Salud. Bernat Soria i Escoms. Curso de verano Calidad e Innovacion en el SNS (Santander, ago. 2009)
Giles Andrews: Peer-to-Peer Lending - Born in a Barn
Keynote address by Giles Andrews, of Zopa, at LendIt Europe 2014. The title of this presentation is Born in a Barn.
Richard Duvall, Founder of Zopa, talking about the new venture a week before launch at the Financial Services Club, February 2005. Blog entry http://thefinanser.co.uk/fsclub/2009/08/the-debate-continues-about-zopa.html explains all. Sadly, Richard is no longer with us. We miss him.
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 what'sapp contact of my personal pi vendor
+12349014282
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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2. Consumers are changing
“… The consumer
revolution of the last 30
years is giving way to the
Freeform Revolution of
the next 30 …”
3. We have been here before
Turning
TECHNOLOGY INSTALLATION Point DEPLOYMENT
REVOLUTION ERUPTION FRENZY GOLDEN AGE MATURITY
1st ‘Industrial
Revolution’ Canal
Panic
1797 1825
1771 mania 1819
1793 1810
Panic
2nd Age of Steam
& Railways Railway
1836 mania 1847 1866 1873
1829 1857
Revolutions 1848
Age of Steel, Electricity 1890
3rd & Heavy Engineering The “Great Argentina
1903
USA 1920
1875 Depression” (Baring) 1907
USA “Rich man’s
1893 panic”
4th Age of Oil, Automobiles
& Mass Production
1929
USA stock
1930s
1974
1920* and 1960
1908 mania “Oil crisis”
WWII
1987 1997
5th Age of Information
& Telecommunications Asia 2005
1974*
1971 “Oil crisis”
1989
Collapse 2000 ? eBay 20??
2nd World NASDAQ
Source: Carlota Perez ‘Technological Revolutions and Financial Capital –
the Dynamics of Bubbles and Golden Ages’
4. Freeform companies, enabled by
technology are transforming industries
Turning
TECHNOLOGY INSTALLATION Point DEPLOYMENT
REVOLUTION ERUPTION FRENZY GOLDEN AGE MATURITY
1987 1997
5th Age of Information
& Telecommunications Asia 2005
1974*
1971 “Oil crisis”
1989
Collapse 2000 ? eBay 20??
2nd World NASDAQ
2000 2005 2010
P2P Payments P2P Voice P2P Video ? ?
P2P Trading P2P Social
Social Networks
? ?
Personalised
P2P Lending
Search P2P Info P2P Photos
eBay for things … iTunes for music … Zopa for money
5. The online marketplace where people
meet to lend and borrow money
With no bank in the middle, both parties get better rates
Borrowers Lenders
• Low, low rates • Great Returns
• No banks • It’s human
• It’s fair • It’s safe
• You’re in control
Lenders receiving a c.30% better return than base rate; Borrowers borrowing c.30% below the market
6. Financial return and social reward
Working, differentiated, compelling
• Launched in the UK March 2005
• >180,000 members
• Borrowers getting the cheapest
loans in the country
• Lender returns 7-11%
• <0.2% defaults
• Launched in the US
• Launched in Italy
7. Control, community, transparency and
ethicality key for value and trust
Openness
“No other financial site that I have visited
is highly
has the guts to run a discussion board
valued
and take it on the chin.
That makes me feel like I am part of a
Users feel community and seems to trigger a sense of
valued belonging. With belonging comes pride and
and passion.
committed
When I tell my friends about Zopa I feel hurt
Users by any negative comments they make as
become though the site was my own, and for that
champions reason it gets me all wound up when I see
of Zopa even the tiniest glitches on the site”
Mosshill, Zopa lender (Oct 18 2006, 09:17 AM)
10. Social Lending is already global
Expect proliferation, niches developing, consolidation
11. Parting challenges
• What new opportunities can you
see to serve Freeformers?
• How will you provide an experience
that embraces
• Community?
• Transparency?
• Control?
• Ethicality?
• How will you take your brand into a
consumers life and give up
demanding they hold a relationship
with you?