These slides will give you a good overview on the current asset management market in Europe, South East Asia and US.
Finch believes that it is currently in the right position to be disrupted - come figure out why.
Valuation Metrics and Drivers in Today’s Economy RoseRyan
Learn from Silicon Valley experts how to demystify the valuation equation. Topics covered include understanding market variables and market conditions, business model economics, and analyst and investor perspectives; developing a valuation strategy; building value across the organization; and avoiding mistakes and deal breakers.
WealthTech Views: Looking into 2021 from William Rouse, Contemi SolutionsContemi Solutions
WealthTech Views Report: Looking into 2021, created by the Wealth Mosaic, provides insights and intelligence from technology thought leaders from across the globe on the main technology trends in wealth management they expect to see in the year ahead.
Contemi's Business Development Director, William Rouse, shared his insights into the challenges, opportunities and industry talking points for 2021.
The perspective of Fintech executives.
In June of 2015, The Economist Intelligence Unit (sponsored by HP) conducted in-depth surveys of over 100 global bankers and Fintech executives on the future of retail banking. This is what we found.
Valuation Metrics and Drivers in Today’s Economy RoseRyan
Learn from Silicon Valley experts how to demystify the valuation equation. Topics covered include understanding market variables and market conditions, business model economics, and analyst and investor perspectives; developing a valuation strategy; building value across the organization; and avoiding mistakes and deal breakers.
WealthTech Views: Looking into 2021 from William Rouse, Contemi SolutionsContemi Solutions
WealthTech Views Report: Looking into 2021, created by the Wealth Mosaic, provides insights and intelligence from technology thought leaders from across the globe on the main technology trends in wealth management they expect to see in the year ahead.
Contemi's Business Development Director, William Rouse, shared his insights into the challenges, opportunities and industry talking points for 2021.
The perspective of Fintech executives.
In June of 2015, The Economist Intelligence Unit (sponsored by HP) conducted in-depth surveys of over 100 global bankers and Fintech executives on the future of retail banking. This is what we found.
Technology Impact on Secular Industries Duetsche Bank Leveraged Finance Confe...Ted Stenger
The Impact of Technology on Secular Trends. Examining the impact of technology on secular industries including media, publishing, retail and consumer products. Business model pitfalls
2014 Tech M&A Monthly - New World of BuyersCorum Group
The world of buyers for technology companies is very different than it was just a few years ago. The rise of Private Equity, a new generation of international buyers, disruptive change creating new tech giants and destabilizing old ones – today, your ultimate buyer may be someone you've never heard of, in a country you've never visited. In the August edition of the Tech M&A Monthly webcast, join Corum Group dealmakers and experts as they examine the new classes of buyers that you need to be aware of as you consider your company’s future. Plus the key deals trends and valuations of the last month, and a special report on M&A in the gaming sector.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
The Investor's Guide to the Israel Enterprise Software IndustryOurCrowd
Israel is a great destination for investing in startups.
Nowhere is that better demonstrated than in the case study of the enterprise software industry -- where many of Israel's fabled success stories of IPOs and large mergers and acquisitions.
Included in the presentation are companies like Amdox (DOX), Comverse, and Mercury Interactive.
As executives charged with the task of putting banking on a new commercial course,
you need to be armed with trustworthy, complete facts and analysis. For that, the
institution needs to adopt a business analytics framework. Decisions will then be based
on reliable information and predictive insight – adjusted for known risks across the
institution’s business units, functional areas and channels. For more info: www.nafcu.org/sas
Therefore in order to acknowledge some of the greatest contributors of excellence in the remittance services space, Insights Success has shortlisted “The 10 Most Trusted Remittance Service Providers, 2018”
Deutsche Bank Survey Sees Blockchain Adoption in Six YearsNicola Barozzi 🚘✔
A Deutsche Bank report called “Powering the flow of global capital” goes into great detail about the blockchain phenomenon. Researchers from the bank surveyed a variety of participants who believe blockchain technology is estimated to hit critical mass within six years.
An analysis of survey results on small commercial lines insurance. The survey was completed by broker members of ORBiT Canada and originally presented at the National Insurance Conference of Canada (NICC). Small commercial is the largest growing segment of businesses in Canada and a huge growth opportunity for insurance brokers.
Presented at ORBiT Canada's Annual Members' Meeting
November 11th, 2015
Next Generation of the Previously Unthinkableqmatheson
Presented by Patrick Vice, Insurance-Canada.ca
ORBiT Annual Members' Meeting, Nov 11th 2014
ORBiT's Annual Members' Meeting is our industry learning, sharing and strategic planning event, focused on shaping the real time agenda for the coming year.
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Technology Impact on Secular Industries Duetsche Bank Leveraged Finance Confe...Ted Stenger
The Impact of Technology on Secular Trends. Examining the impact of technology on secular industries including media, publishing, retail and consumer products. Business model pitfalls
2014 Tech M&A Monthly - New World of BuyersCorum Group
The world of buyers for technology companies is very different than it was just a few years ago. The rise of Private Equity, a new generation of international buyers, disruptive change creating new tech giants and destabilizing old ones – today, your ultimate buyer may be someone you've never heard of, in a country you've never visited. In the August edition of the Tech M&A Monthly webcast, join Corum Group dealmakers and experts as they examine the new classes of buyers that you need to be aware of as you consider your company’s future. Plus the key deals trends and valuations of the last month, and a special report on M&A in the gaming sector.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
The Investor's Guide to the Israel Enterprise Software IndustryOurCrowd
Israel is a great destination for investing in startups.
Nowhere is that better demonstrated than in the case study of the enterprise software industry -- where many of Israel's fabled success stories of IPOs and large mergers and acquisitions.
Included in the presentation are companies like Amdox (DOX), Comverse, and Mercury Interactive.
As executives charged with the task of putting banking on a new commercial course,
you need to be armed with trustworthy, complete facts and analysis. For that, the
institution needs to adopt a business analytics framework. Decisions will then be based
on reliable information and predictive insight – adjusted for known risks across the
institution’s business units, functional areas and channels. For more info: www.nafcu.org/sas
Therefore in order to acknowledge some of the greatest contributors of excellence in the remittance services space, Insights Success has shortlisted “The 10 Most Trusted Remittance Service Providers, 2018”
Deutsche Bank Survey Sees Blockchain Adoption in Six YearsNicola Barozzi 🚘✔
A Deutsche Bank report called “Powering the flow of global capital” goes into great detail about the blockchain phenomenon. Researchers from the bank surveyed a variety of participants who believe blockchain technology is estimated to hit critical mass within six years.
An analysis of survey results on small commercial lines insurance. The survey was completed by broker members of ORBiT Canada and originally presented at the National Insurance Conference of Canada (NICC). Small commercial is the largest growing segment of businesses in Canada and a huge growth opportunity for insurance brokers.
Presented at ORBiT Canada's Annual Members' Meeting
November 11th, 2015
Next Generation of the Previously Unthinkableqmatheson
Presented by Patrick Vice, Insurance-Canada.ca
ORBiT Annual Members' Meeting, Nov 11th 2014
ORBiT's Annual Members' Meeting is our industry learning, sharing and strategic planning event, focused on shaping the real time agenda for the coming year.
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Transforming wealth management customer onboarding with the power of process automation, rules based straight thru processing and data driven real time intelligence.
Finch Capital predictions 2018 - SummaryRadboud Vlaar
Summary of Finch Capital 2018 edition of Financial Technology predictions, which looks back at our predictions made for 2017 ( 5 out of the 7 materialised), as well as looks forward at 2018! 2018 promises to be another great year for Financial Technology. For the detailed report you can email info@finchcapital.com. Happy holidays
We are excited to share with you our thoughts on financial technology ecosystem in 2017 and 2018. Please feel free to reach out to us if you would like a more detailed report.
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.
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.
Grow VC Group presentation at Crypto Funding Summit in Los AngelesGrow VC Group
Presentation about crypto funding ecosystem and data, including basics about tokenization, tokenomics, distributed finance models and blockchain. The presentation describes distributed finance market, where tokenization can be used to all assets, and where data and AI are coming key tools.
PODIM 2015 Conference about startup and corporate cooperation. Grow VC Group presentation about digital finance ecosystem, including samples of the companies, e.g. investing and lending platforms, data dashboards, startup development tools and consulting services.
Podim: Digital Finance Ecosystem and SamplesGrow VC Group
PODIM 2015 Conference about startup and corporate cooperation. Grow VC Group presentation about digital finance ecosystem, including samples of the companies, e.g. investing and lending platforms, data dashboards, startup development tools and consulting services.
TOOLKIT: Templates for Powerpoint, Excel Tools & Spreadsheet TemplatesAurelien Domont, MBA
Go to www.slidebooks.com to Download and Reuse Now a Toolkit including 100+ Templates for Powerpoint, Excel Tools & Spreadsheet Templates| Created By ex-McKinsey & Deloitte Consultants.
How to get banking and fintech work together, including new technology and finance instruments. The presentation introduces open API ecosystem for finance, and solutions to create new instruments, ways to handle customer interface and raise capital.
Alternative Finance and Digital Finance by using fintech are changing the whole finance sector. It is not only about technology, but opportunities and needs emerge to create totally new business models and instruments. Download the document at http://group.growvc.com/download-hybrid-digital-finance-whitepaper.html.
apidays LIVE London 2021 - From Open Banking to Embedded Finance by Simon Tor...apidays
apidays LIVE London 2021 - Reaching Maximum Potential in Banking & Insurance with API Mindset
October 27 & 28, 2021
From Open Banking, to Embedded Finance and Insurance
From Open Banking to Embedded Finance
Simon Torrance, Founder & CEO at Embedded Finance & Super App Strategies
The Road to Investing and Building High Growth Companies - Presentation by Jose Marin, Co-Founder & MD of IG Expansion at the NOAH 2013 Conference in London, Old Billingsgate on the 14th of November 2013.
Similar to Perspective on Innovation in Asset Management (20)
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
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The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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.
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.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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.
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
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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 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
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.
2. 2
• Productivity boost
• Unlock value of
data for CRM and
service
• Risk management
Finch Capital invests on 3 themes
Rise of
Indonesia
Transfor-
mation of
Financials
Augmented
Intelligence
• Cost levels too high
• CeX poor
• Fragmented
industry
Focus presentation on impact for Asset Management
• Indonesia on track to be the
4th world economy
• Most mobile/social savvy
country in Asia
• Better investment climate
vs China/ India
3. 3
Asset Management is ripe for
disruption
• Net return issues
(=> Price
pressure,
Passive, etc.)
• Old school
experience
(Lengthy
onboarding, MF
settlement/
execution,
Transparency/
Quality issues)
• Product
development to
better meet
needs
• Margin pressure
• Regulatory costs
• Productivity of
people (50%
less people)
• Many players
lack scale with
legacy systems
• Low believe that
work can be
enhanced/taken
over by tech
• Resistance to
change
• Benign equity
market
performance,
with high P/E
• Global
trade/political
instability
• Largest asset
manager has
±1% of AuM
Poor Customer
experience
Profitability under
pressure
Prima donna
culture
Period of tailwinds
coming to an end
Fragmented
industry
4. 4
Digital leadership seems to matter for
incumbents….is not only a fintech game
Operating and technology
costs over revenue, %
Assets-under-management
growth, %
Profit margin
%
16
9
Industry
average
Digital leaders
3
6
Industry
average
Digital leaders
30
51
Digital leadersIndustry
average
5. 5
• Growing role ASIA
• High growth clients with
changing needs
Millennials
Retiring baby boomers
• Institutionalisation of Family
Offices
Use tech to win high
growth segments
New tech enabled
products
CeX & Productivity
improvers
New Distribution &
Business models
Key innovation themes changing the
industry
• Crypto as an asset class
• De - institutionalizing products
Alternatives
SME/Real Estate Credit
Value/need based portfolios
• Better CeX/UX –
Distribution 2.0
• Zero fee Retail
• End to End process digitalization
• AI/data
Investing
CRM
Service
Risk
8. 8
Source: McKinsey Global Asset Management Survey
In Asset Management, Asia is
gaining share
Operating profit/AUM
China already in a globally leading
position by penetration rate of online WM
…
12.5
11.1
12.2 12.5 12.1
13.0
21.3 21.2
22.6
2013 2016 20132017 2016 2017 2013 2016 2017
Europe US Asia
Operating profit, % of net revenues
32 30 33 35 36 37 41 42 44
WM AuM and online penetration rate in the US, China,
the UK and Singapore
5.55
4.04
3.81
2.13
0.10 0.01
9.36
US China
0.42
UK
6.17
0.32
Singapore
0.05
0.03
Online Non-online
Source: BCG Global Wealth Management Model 2018; desktop
research; BCG analysis.
Operating penetration rate, %
40.7 34.6 24.9 27.9
Strong appetite for ROBO and digital wealth
model
Profitable region
1 Growing role Asia…not BRICS
9. 9
• Greater chance for disruption across value
chain: 67% of millennials say they would try
financial services from brands they trust, e.g.,
Nike, Apple according to a LinkedIn survey
• Company ESG policies top of mind for
Millennials consumers: Millennials are twice as
likely to purchase from a brand because of the
company’s social and/or environmental impact
• Millennials show strong interest in
sustainable investing: 84% of Millennial
investors are interested in sustainable investing,
according to a Morgan Stanley report
Source: HFRI All HF Index
Millennials are 2x more likely to invest in companies or
funds that target specific social or environmental
outcomes
22
17
15
12
9
7
Exit an investment position
due to objectionable activity
Invest in companies using
high-quality ESG practices
Invest in companies targeting
social/environmental goals
All individual investorsMillennial investors
2 Millennials
Millennials tend to focus more on values &
Sustainability's than older generations
10. 10
Addepar, the operating
system for our financial
world, has surpassed $1
trillion in assets on its
platform, up from $500
billion just 18 months ago.
Founded in 2009, Addepar
now counts over 300 firms
as clients, including AB
Bernstein, Jefferies,
Morgan Stanley and many
more.
Canopy was born in a
Singaporean shop house in
2015 – as part of the
Mesitis Group. Canopy
helps financial institutions
and wealth managers to
connect their siloed data,
analyze their data, and gain
new insights into their
business or market.
3 Family Offices
Using tech to get smart on Family
offices needs and add value
12. 12
Institutional interest – Example Oct 2018Crypto market cap USD 200- 700 Bn
Crypto as an asset class – Emerging institution-
al interest despite negative recent sentiments
# Name
The most influential endowment manager just
jumped into crypto with best on two Silicon
Valley funds
• Swensen, who manages Yale‘s $29.4 billion endowment,
has invested in 2 funds dedicated o cryptocurrencies,
sources tell CNBC
• The funds are run by Andreessen Horowitz and Paradigm,
which was started by Coinbase co-founder Fred Ehrsam
and former Sequoia Capital partner Matt Huang
• The investment marks a much-nneded vote of confidence
for the volatile asset class
• Swensen started at Yale in 1985 when the endownment
managed just over $1 billion, according to its alumni
magazine, which has also called him Yale‘s „in-house
Warren Buffett.“
Market cap
1 $108,817,236,77
9
2 $20,718,344,912
3 $19,989,397,623
4 $8,334,938,605
5 $4,683,605,086
6 $4,638,181,742
7 $2,887,042,455
4 Crypto as an asset class
13. 13
Brickblock & Property
Partners provide the
technology and legal
framework to facilitate
real estate investments,
allowing developers to
raise capital from a
global investor pool and
investors to access
attractive investments
around the world.
Swarm Fund is the
blockchain for private
equity. It’s a fully
decentralized capital
market place that
democratizes investing
by using the power of
the blockchain to open
up high-return,
alternative investment
classes to smaller
investors through asset-
backed funds using
cryptocurrency tokens.
Trussle & Home Bay
are real estate brokers
however not in the
same vertical. Trussle is
a free online mortgage
broker whereas Home
Bay is a platform that
allows you to sell your
home for more money
and with less risk. Both
are simplifying complex
industries via a great
UEX and automation.
Zopa & Funding circle
are pioneers in the
peer-to-peer lending
industry, They use the
internet to cut out the
banks entirely and
match savers with
individuals who want to
borrow. Leaving out the
banks and offerin better
rate all round.
5 Deinstitutionalising
Deinstitutionalising and more direct
15. 15
6 Better CeX / UX
Distribution 2.0 – Rise of ROBO,
mainly in the US and China
ROBO direct Partnerships with distribution plays
+
+
Leading Robo Advisors have a long runway for growth
Name
AuB
($B)
Market
share
Typical fee
(bps)
Account
Minimum
Vanguard 112.0 28% 30 $50,000
Charles Schwab 33.3 8% 0 $5,000
Betterment 14.0 3% 25 $0
Wealthfront 10.0 2% 25 $500
Personal Capital 7.5 2% 69-89 $100,000
Essential Protfolios
(AMTD)
1.6 0% 30 $5,000
Future Advisor (BLK) 1.0 0% 50 $10,000
Asset Builder 0.7 0% 25-48 $50,000
Rebalance IRA 0.5 0% 50 $100,000
Adaptive Portfolio
(ETFC)
0.4 0% 30 $5,000
Liftoff 0.2 0% 40 $5,000
SigFig 0.1 0% 25 $2,000
Jemstep (IVZ) 0.1 0% 15 N/A
Top 10 Subtotal 181.5 45.1%
Industry Total 401.9
16. 16
CompaniesModel Description
Phone
trading
Online
trading
Mobile
trading
• Disruption through offering phone trading
• Opening market to larger retail segment
• Market dominated by selected few large
players
• Disruption through low cost online brokerage
• Making market even more accessible for
larger retail clients
• Fragmentation throughout different
geographies
• Disruption through free stock trading for
everyone
• Mobile-first offering via mobile applications
• Large geographical coverage and expansion
Time
197
0
198
0
201
0
199
0
200
0
Now
7 Zero fee Retail
Development of retail stock trading
market in last decades
18. 18
Zero commission stock trading is
becoming a commodity on mobile
7 Zero fee Retail
Robinhood BUX
• Offering zero commission
trading
• Focus on US Market
• Main revenues from
interest income and selling
order flow (not allowed
in EU)
• Planning to offer zero
commission trading
• Focus on EU market
• Main revenues from
additional functionalities
Trading212 Revolut
• Offering zero commission
trading
• Focus on UK and EU
market
• Main revenues from cross
sell to CFD trading and
interest income
• Planning to offer zero
commission trading
• Focus on UK market
• Asia and US on planning
• Main revenues from cross
sell to interest income and
FX model
20. 20
Current processes require end to end
digitalisation
8 End to End process digitalisation
Fast institutional client onboarding … … at lower cost trough automation
Average time to onboard a new institutional
client, days
Operating costs for client onboarding, adjusted to
industry average
~9
Industry
average
Digital leaders
~23
-62%
Industry
average
100
Digital leaders
25
-75%
22. 22
8 End to End process digitalisation
Changing the investment industry
leveraging blockchain – Example Brickblock
The Solution
Give crypto-investors a way to invest in tokens backed by real world-assets
Easily trade your assets on the secondary market. Make real estate liquid: sell your
share of an apartment building (or any other asset) within minutes. Transfer your assets
when, where, and how you want
A truly global, decentralized investment platform, we are able to provide investments from
anywhere to anywhere through blockchain technology
Through the use of immutable blockchain records on every transaction, we remove
counterparty risk: we eliminate the need for a bank account & long waits, and immediately
confirm asset transactions
By using smart contracts, Brickblock is able to offer a flat-free structure: only 0.5% of the
transaction volume
These allow anyone in the world to invest in real estate in an easy, transparent, cost efficient and
accessible way
23. 23
9 AI opportunity in Asset Management
Potential impact of artificial intelligence, by sector Solution Benefits
Percentage of global companies in each sector that expect to adopt
artificial intelligence in the near, mid and long term
Healthcare Automotive
37%
23%
40%
35%
47%
18%
41%
59%
0%
41%
41%
17%
47%
36%
17%
54%
38%
8%
39%
44%
17%
14%
83%
3%
Financial
services
Transporta-
tion and
logistics
Technology,
communica-
tions and
entertainment Retail Energy Manufacturing
Near term
Mid term
Long term
Artificial Intelligence Revenue, Top 10 use cases, World Markets:
2025, ($ Millions)
0 1,000 2,000 3,000
Contract analysis
Object detection and classification –
avoidance, navigation
Object identification, detection,
classification, tracking from
geospatial images
Automated geophysical
feature detection
Text query of images
Content distribution on
social media
Predictive maintenance
Efficient, scalable processing
of patient data
Static image recognition,
classification, and tagging
Algorithmic trading strategy
performance improvement
25. 25
AI – Example Behavox
• Behavox is a state of the art employee monitoring system
• Behavox is an enterprise platform that unifies all types of data into a single
data lake, allowing users to query the data and apply machine learning to
identify capital markets misconduct and insider threats.
9 AI opportunity in Asset Management
26. 26
9
• Predictive analytics, artifcial intelligence, and machine learning can be used to detect
patterns hidden in structured and unstructured data to produce actionable insights,
which can increase the accuracy of key investment decisions.
• Artifcial intelligence (AI) and machine learning are set to power this transformation.
Squirro’s AI-powered solution helps asset managers find new client opportunities and
offer the best products to their clients, delivering a better client service and saving
countless man-hours on research.
AI opportunity in Asset Management
Squirro for Corporate Financial
Services
• Investor Lead Origination (Plans,
Gov., Endowment etc …)
• Fund Recommendations
• Client Cockpit & Meeting
Preparation Dashboard
• Increase and retain Assets Under
Management (AUM)
• Improve customer engagements
• Stay ahead of competition by leveraging
market signals
• Save hundreds of hours of manual
research
Solution Solution Benefits
27. 27
• Exciting times ahead in Asset Management!
• The big winner is the customer
• The biggest impact is on employees, as industry likely will
produce same or more alpha with 50% of the people
• Digital adoption is important for Asset Managers to outperform
In summary