Over the last decade, the first wave of fintech has mostly resulted in sustaining innovations within the financial services industry. This presentation explores the next three waves of disruption that are set to revolutionise the economy, from the modularisation of the fintech stack to global consumer platforms extending into finance to the potential of blockchain and Web 3.0.
Installment Payment FinTechs: Buy Now, Pay Later (BNPL)Alexander Davis
Installment Payment FinTechs have become some of the hottest operators in the post-COVID era. Their ability to enable consumers to purchase previously unaffordable products through novel applications has resulted in explosive growth but does not come without risks.
More and more people are expecting immediacy in all daily activities, a streamline that is driven by the advancement of technology. A successful app development agency has experience implementing payments via the web and app in various industries that require a purchase of a product or service.
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
Current was founded in 2015 by Stuart Sopp. Stuart Sopp was a Wall Steet trader and worked many major banks including Morgan Stanley, Citi, and Deutsche.
Currently Current offers three types of accounts - A free account, a premium account, and a teen account. The premium account costs US$4.99 a month and the teen account costs US$36 per year per teen.
No minimum balance and no-fee model is targeted at Millenials and Gen Z customers who face liquidity issues in managing their finances. Current primarily uses influencers to reach potential customers.
Current currently has more than 3 million customers and is valued at US$2.2 billion.
Over the last decade, the first wave of fintech has mostly resulted in sustaining innovations within the financial services industry. This presentation explores the next three waves of disruption that are set to revolutionise the economy, from the modularisation of the fintech stack to global consumer platforms extending into finance to the potential of blockchain and Web 3.0.
Installment Payment FinTechs: Buy Now, Pay Later (BNPL)Alexander Davis
Installment Payment FinTechs have become some of the hottest operators in the post-COVID era. Their ability to enable consumers to purchase previously unaffordable products through novel applications has resulted in explosive growth but does not come without risks.
More and more people are expecting immediacy in all daily activities, a streamline that is driven by the advancement of technology. A successful app development agency has experience implementing payments via the web and app in various industries that require a purchase of a product or service.
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
Current was founded in 2015 by Stuart Sopp. Stuart Sopp was a Wall Steet trader and worked many major banks including Morgan Stanley, Citi, and Deutsche.
Currently Current offers three types of accounts - A free account, a premium account, and a teen account. The premium account costs US$4.99 a month and the teen account costs US$36 per year per teen.
No minimum balance and no-fee model is targeted at Millenials and Gen Z customers who face liquidity issues in managing their finances. Current primarily uses influencers to reach potential customers.
Current currently has more than 3 million customers and is valued at US$2.2 billion.
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
Top Ten Trends in Lending and Leasing 2017Capgemini
Traditional lending and leasing organizations are waking up to the fact that they need to transform their operations in order to remain preferred lenders. While large corporations are still heavily dependent on traditional lending, small and medium businesses and retail customers are finding it easier to deal with FinTechs/alternative lenders. . More automation, machine learning, data analytics, smart contracts, and enhanced cybersecurity are not only expected to increase operational efficiency but also result in lower costs and greater customer experience. This document aims to understand and analyze the trends in the lending and leasing industry that are expected to drive the dynamics of the lending and leasing ecosystem in the near future.
The ASEAN FinTech Census is a research initiative undertaken by EY to understand the key factors shaping FinTech and to bring to the forefront the voice of 251 FinTechs
highlighting key areas of growth, opportunities and potential challenges and an analysis of FinTech’s responses on revenue growth, capital requirements, regulatory support, operating environment and plans for future expansion. The study includes information from a financial, human and regulatory standpoint.
In the 21st century digital economy, consumers expect and demand a digital experience for the products and services they consume in the marketplace. To meet consumers’ needs and preferences, lenders are seeking out new innovative products that help deliver relevant credit offers across digital channels, whether via text, email, or social media. As the industry moves forward to provide these opportunities, recent news reports about privacy disclosures and data security have raised questions about the legal frameworks governing the delivery of credit offers in the digital space.
These slides feature content presented by Venable LLP’s eCommerce, Privacy, and Cybersecurity Practice Group on the regulatory environment surrounding credit marketing in the digital age. Venable practitioners review how the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other laws apply in today’s world, including for credit offers made via text, email and social channels. It also reveals some common best practices that align with the expectations of the Federal Trade Commission.
For the last six years, Bankers As Buyers has focused on what to expect in the coming year from the banking community in terms of spending on technology, information and related services. If you are a news junkie and your mood swings with the market indices, it has been a rough year and 2009 doesn’t look much better. If you look at the details of the banks that folded in 2008, you will see decisions that increased their institutional risk and brought them down.
The good news is that the banking industry fuels every other industry. Albeit less, people are still running businesses; buying homes or refinancing loans; investing; making payments; saving; replacing cars; using credit/debit cards; and more. There are financial transactions occurring and customers/members using financial institutions.
The run up in the economy and spending of the last few years fueled growth and led to inefficiencies. Today’s current economic environment is causing many of us to renew our focus and make more measured, strategic decisions in order to run better businesses. If you are a vendor to the financial industry, you need to make sure you sell using an ROI model; keep year-
one affordable for the institution; tie your product or service to the institution’s strategic objectives; reduce fraud or eliminate waste; and lastly, improve the experience for the customer.
It is our pleasure to provide you with this 2009 edition of Bankers As Buyers. While the material is copyright protected, you have our blessing to share this document with your business associates, clients, prospects and friends within the industry.
Sincerely,
Scott Mills, APR
President
William Mills Agency
Identity Theft Coverage - How are Insurers Protecting Their CustomersCorporate Insight
Having personal and credit card data stolen is traumatizing and presents a host of hassles to consumers. As more transactions take place online, opportunities for fraud and identity theft increase.
This slide deck highlights the products and educational content related to identity theft available on the public sites of five leading life insurers. It is noteworthy that MetLife and Nationwide are the only firms we track that offer separate, specialty products focused on protecting clients from identity theft.
Fintech is a hot sector among investors, but why?
As a fintech focused VC, take a look at our perspective on why financial services is on the cusp of change.
Digital challenger banks are simplifying the financial world, creating a customer centric approach to services, and transforming the way banking is viewed by the public and the market
The Data Rotonde is a flexible and scalable MDM platform that provides PostNL customers with party data that is of a high quality standard. PostNL have created a digital platform called the Data Rotonde that provides party data as a set of service products to their customers real time.
Presented by Mario Suykerbuyk, CIO- PostNL and Frank Hewett, Capgemini at Informatica World 2016.
Opportunities abound for payments industry participants but will require unprecedented cooperation, according to Mercator Advisory Group, a leading payments research and consulting firm in a complimentary report on trends shaping the payments industry in 2018
Accel Connect 2016 talk for portfolio founders & CEOsAccel
This November, we gathered our global founders and CEOs in San Francisco for our Accel Connect event. For part of the day, we discussed the current environment, independent of founders’ stage, as well as the changing requirements for building great, enduring companies. It’s a day we look forward to each year.
It’s also where we (Accel) attempted to synthesize a year’s worth of our own thinking: what’s happened in the markets, what trends caught our attention, and how have our own theses evolved. If successful, we ground our founders in the current state of affairs, while keeping an eye on what’s to come in 2017.
We’ve been talking to folks around our community about the discussion at Connect. Based on feedback, we wanted to share some of the presentation. Though it’s slightly “dated” (the material was built pre-election) and curated (for Accel’s global CEOs), we hope there are some nuggets of wisdom that can be useful in your own thinking — whether as a founder, employee, investor, or just an interested observer.
The summary to accompany the slides can be found here: https://medium.com/@Accel/reflecting-on-2016-and-looking-ahead-to-2017-6e6efe224224#.wl0y72oor
While innovative new technologies have been very efficient in combating traditional fraud, our research has found that digital technologies are also giving rise to new types of digital tax fraud: the increase in the number of e-filings of tax returns across geographies is driving new types of fraud using identity theft as the basis.
Another type of fraud taking shape is Zapping – using software programs to automatically skim cash from electronic cash registers (ECR) or point of sale systems.
Similarly, the growing usage of third-party payroll processors is opening up a whole new avenue of fraud where unscrupulous processors siphon off taxes due to the state.
Our analysis of these new digital tax frauds shows that inaction is not an option for tax authorities. We have modelled the evolution of tax fraud, taking into account new incidents of fraud enabled by digital technologies. Our findings are sobering for tax authorities. In a scenario where tax authorities continue to fight new tax fraud with conventional tools, we estimate digital tax fraud in the US will rise from $32 billion to $49 billion by 2020.
To combat this staggering scale of fraud, conventional methods are too slow for the digital age. Tax authorities must move away from an incremental, piecemeal approach to a much more comprehensive transformative line of attack with a long-term vision, roadmap and multifaceted solutions involving people, processes and technology.
What is the impact of inaction of tax authorities to rein in new types of digital tax fraud? How can analytics be used as an effective weapon to fight against digital tax fraud.
Top Ten Trends in Lending and Leasing 2017Capgemini
Traditional lending and leasing organizations are waking up to the fact that they need to transform their operations in order to remain preferred lenders. While large corporations are still heavily dependent on traditional lending, small and medium businesses and retail customers are finding it easier to deal with FinTechs/alternative lenders. . More automation, machine learning, data analytics, smart contracts, and enhanced cybersecurity are not only expected to increase operational efficiency but also result in lower costs and greater customer experience. This document aims to understand and analyze the trends in the lending and leasing industry that are expected to drive the dynamics of the lending and leasing ecosystem in the near future.
The ASEAN FinTech Census is a research initiative undertaken by EY to understand the key factors shaping FinTech and to bring to the forefront the voice of 251 FinTechs
highlighting key areas of growth, opportunities and potential challenges and an analysis of FinTech’s responses on revenue growth, capital requirements, regulatory support, operating environment and plans for future expansion. The study includes information from a financial, human and regulatory standpoint.
In the 21st century digital economy, consumers expect and demand a digital experience for the products and services they consume in the marketplace. To meet consumers’ needs and preferences, lenders are seeking out new innovative products that help deliver relevant credit offers across digital channels, whether via text, email, or social media. As the industry moves forward to provide these opportunities, recent news reports about privacy disclosures and data security have raised questions about the legal frameworks governing the delivery of credit offers in the digital space.
These slides feature content presented by Venable LLP’s eCommerce, Privacy, and Cybersecurity Practice Group on the regulatory environment surrounding credit marketing in the digital age. Venable practitioners review how the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other laws apply in today’s world, including for credit offers made via text, email and social channels. It also reveals some common best practices that align with the expectations of the Federal Trade Commission.
For the last six years, Bankers As Buyers has focused on what to expect in the coming year from the banking community in terms of spending on technology, information and related services. If you are a news junkie and your mood swings with the market indices, it has been a rough year and 2009 doesn’t look much better. If you look at the details of the banks that folded in 2008, you will see decisions that increased their institutional risk and brought them down.
The good news is that the banking industry fuels every other industry. Albeit less, people are still running businesses; buying homes or refinancing loans; investing; making payments; saving; replacing cars; using credit/debit cards; and more. There are financial transactions occurring and customers/members using financial institutions.
The run up in the economy and spending of the last few years fueled growth and led to inefficiencies. Today’s current economic environment is causing many of us to renew our focus and make more measured, strategic decisions in order to run better businesses. If you are a vendor to the financial industry, you need to make sure you sell using an ROI model; keep year-
one affordable for the institution; tie your product or service to the institution’s strategic objectives; reduce fraud or eliminate waste; and lastly, improve the experience for the customer.
It is our pleasure to provide you with this 2009 edition of Bankers As Buyers. While the material is copyright protected, you have our blessing to share this document with your business associates, clients, prospects and friends within the industry.
Sincerely,
Scott Mills, APR
President
William Mills Agency
Identity Theft Coverage - How are Insurers Protecting Their CustomersCorporate Insight
Having personal and credit card data stolen is traumatizing and presents a host of hassles to consumers. As more transactions take place online, opportunities for fraud and identity theft increase.
This slide deck highlights the products and educational content related to identity theft available on the public sites of five leading life insurers. It is noteworthy that MetLife and Nationwide are the only firms we track that offer separate, specialty products focused on protecting clients from identity theft.
Fintech is a hot sector among investors, but why?
As a fintech focused VC, take a look at our perspective on why financial services is on the cusp of change.
Digital challenger banks are simplifying the financial world, creating a customer centric approach to services, and transforming the way banking is viewed by the public and the market
The Data Rotonde is a flexible and scalable MDM platform that provides PostNL customers with party data that is of a high quality standard. PostNL have created a digital platform called the Data Rotonde that provides party data as a set of service products to their customers real time.
Presented by Mario Suykerbuyk, CIO- PostNL and Frank Hewett, Capgemini at Informatica World 2016.
Opportunities abound for payments industry participants but will require unprecedented cooperation, according to Mercator Advisory Group, a leading payments research and consulting firm in a complimentary report on trends shaping the payments industry in 2018
Accel Connect 2016 talk for portfolio founders & CEOsAccel
This November, we gathered our global founders and CEOs in San Francisco for our Accel Connect event. For part of the day, we discussed the current environment, independent of founders’ stage, as well as the changing requirements for building great, enduring companies. It’s a day we look forward to each year.
It’s also where we (Accel) attempted to synthesize a year’s worth of our own thinking: what’s happened in the markets, what trends caught our attention, and how have our own theses evolved. If successful, we ground our founders in the current state of affairs, while keeping an eye on what’s to come in 2017.
We’ve been talking to folks around our community about the discussion at Connect. Based on feedback, we wanted to share some of the presentation. Though it’s slightly “dated” (the material was built pre-election) and curated (for Accel’s global CEOs), we hope there are some nuggets of wisdom that can be useful in your own thinking — whether as a founder, employee, investor, or just an interested observer.
The summary to accompany the slides can be found here: https://medium.com/@Accel/reflecting-on-2016-and-looking-ahead-to-2017-6e6efe224224#.wl0y72oor
Industry and firm profile- MBA course papergirish0984
The objective of this document is to study a particular industry and a firm within that industry. This document describes the Financial Services Industry and JP Morgan bank.
GT Events and Program Guide is a look ahead at the latest knowledge and insights available from Grant Thornton LLP. It includes a collection of our research, thought leadership and a schedule of upcoming webcasts and events.
Business plan - Mobile Payment ApplicationPlan Writers
The purpose of this plan is to provide investors with the information necessary to evaluate the scope and future growth of Payment Company in the market place.
The Next Recession is Coming... This is Your Survival GuidePhil Argue
This presentation was presented as a webinar in July 2018 with Early Growth Financial Services and Prepared Capital. The link to the webinar (with audio) is available here: https://preparedcapital.com/blog/the-next-recession-is-coming-survival-guide/
GT Events and Program Guide is a look ahead at the latest knowledge and insights available from Grant Thornton LLP. It includes a collection of our research, thought leadership and a schedule of upcoming webcasts and events.
IMAP Fintech Sector Leaders share insights into the global Fintech sector.
They look at the short- and long-term effects of the COVID pandemic and which subsectors stand to lose and who ultimately stands to benefit. Sharing their thoughts on key themes disrupting the sector, including payments, digitalization, lending and mobile, they examine
how these have been impacting M&A activity and valuations.
They provide an overview of the most active players, as well as expectations for this key sector moving forward.
1. Geintar, Inc John H. Lars CEO (415) 300-7000 John@Geintar.com gen·er·a·tion Pronunciation: je-nə-ˈrā-shənFunction: noun A particular stage in the development of a product or technology, especially one marking a significant advance Geintar, Inc Proprietary & Confidential
2. Market Opportunity Today, U.S. Consumers’ spending totals $899.4 billion - 31% higher than it was only five years ago. Almost 15% of credit card users chargemore than $9,840 in credit card debt. Credit card charge-off rates in 2009 were 40% higher than 2008 at over 8%. There are about 18 million Americans that are facing active collection activities today. Geintar, Inc Proprietary & Confidential
5. Debt Settlement (0.5 million) They all involve third party companies and substantial costs to the consumer leaving over 10 million consumers without a solution . Geintar, Inc Proprietary & Confidential
6.
7. offering creditors the ability to settle with more consumers.Geintar, Inc Proprietary & Confidential
15. Competitors There is no direct or indirect competition to this business model in the B to C market place. The closest competition would be in the B to B arena where companies such as Competitor1.comand Competitor2.com offer a custom branded virtual collector as an additional tool to current Debt Collectors software. Geintar, Inc Proprietary & Confidential
16. Go to Market Strategy Current Situation: News and information about debt, debt resolution and debt education are still making headlines from all types of media. Short Term Strategy: The next 3 months strategy will focus on taking advantage of this interest. We have secured a known Public Relations companies and Cutie Pie will be relaying our message from the standpoint of average consumers. Long Term Strategy: We will focus on additional internet marketing and advertising to increase the viral effect or our short term strategy. This will include direct email marketing to targeted groups as well as online advertising. This model was already proven by a static site talking about debt but not selling any products earlier this year. As capital is raised more traditional marketing approaches will be used. Geintar, Inc Proprietary & Confidential
17. Team Composition John - Founder - CEO brings a total of 15 years experience in the debt collection and debt settlement industries and was the owner of a “brick and mortar” debt settlement company managing in excess of $750,000,000 debt under management. Nicholas - VP Business Development has 35 years of experience managing multi-million dollar businesses by relying on his strength to develop teams and to manage multiple projects in fast pace environments. Ngu – CTO has defined and led major development for several startups and Fortune 500 companies. He founded and still manages a website development firm PapaInc (now know as Florox) in 2001, Don - VP Technology is an Information Technology and Information Security professional with over 16 years experience who provide support for organizations within the Defense, Technology, Legal and Financial Services industries Geintar, Inc Proprietary & Confidential
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20. Milestones Reaching 350,000 unique visitors year 1 Sign up top 20% of debt collectors Write in more… Write in more… Write in more… Geintar, Inc Proprietary & Confidential
21. Financial Projections Disclaimer: Results are projections and are highly speculative. These figures were prepared for discussion purposes with experience investors only. The figures are not intended to imply or provide any guarantees of any kind. Geintar, Inc Proprietary & Confidential
22. Capital Request Financing Sought: $2.5 Million Current Investors: Johnny: $500,000 Use of Funds: 20% Product Development 80% Marketing. Geintar, Inc Proprietary & Confidential