This document examines the strategic space occupied by financial technology (FinTech) innovation. It highlights areas of heavy investment and discusses the paradigm shift underway in how financial services are structured and delivered. Over $11 billion has been invested in FinTech globally, with the majority ($6.6 billion) going to North America. The report identifies strategic opportunities for FinTech disruption, including digital banking, insurance, payments, personal financial management, and peer-to-peer lending. It warns that Europe risks losing ownership of the new financial services infrastructure to North America if rates of innovation do not increase outside the US.
The document outlines plans to launch a wholesale banking platform called Standard Treasury that will provide banking services via API to fintech companies and power the next generation of financial applications. It details the team's experience in banking technology, regulatory work completed in the UK and US, product roadmap, and financial projections showing an $8.99M series A round will fund the application and launch process. Risks are acknowledged but mitigation strategies are proposed to address challenges in obtaining a banking license, timeline, and hiring.
TouristEye - Personalizing The Travel Experience - 500 Startups500 Startups
TouristEye is a travel app that has been downloaded 500,000 times and has 40,000 monthly active users. It partners with travel guides to provide personalized recommendations and offers to users based on their travel wishes and purchase intent, which it tracks through 5 million user wishes. This personalized approach has led to a 22% click rate, 10 times the industry average. The founders are raising $1 million in funding after previously raising $300,000 to continue developing their technology to personalize the travel experience.
The document summarizes Square, a mobile payments startup. Square provides merchants with a free card reader that plugs into smartphones and tablets, allowing them to accept credit card payments with low fees of 2.75% per transaction. Square has a simple pricing model and signup process with no long-term commitments. The management team has successful experience in payments and technology. Square sees a large market opportunity in mobile payments given traditional card readers are expensive and inconvenient for small businesses. Square aims to acquire customers through wide exposure on social media and in stores. It has a first-mover advantage and plans to defend its position through brand recognition and compatibility across devices. Financial projections estimate high revenue growth and profitability that would generate strong returns for new
This document summarizes a task management tool called Taskly. It allows users to manage tasks in any workflow and supports getting things done more easily. The tool is designed to be easy to use, support any workflow, and actually help users complete tasks. It generates revenues through a freemium model with unlimited tasks for a $4 monthly fee. The company aims to grow through word of mouth, social media, and providing a helpful product to users.
Kibin is the newest and easiest way to get the things you write looked at by another set of eyes. Upload to Kibin and have another user leave edits and feedback on your writing in less than 24 hours!
Find out more at www.kibin.com or www.angel.co/kibin
Binpress is a platform that aims to monetize open-source software by connecting developers with companies. They have experienced rapid revenue growth from 2011-2013. Binpress plans to raise $1 million to be paid out to open source developers.
Sverve is an influencer marketplace that enables word-of-mouth marketing on social media. It allows businesses to create campaigns and find influential social media users to promote their products. Sverve has worked with over 350 businesses, reached 327k people, and generated $4,125 in profits for clients. It aims to raise $750k to expand its sales and development teams.
This document examines the strategic space occupied by financial technology (FinTech) innovation. It highlights areas of heavy investment and discusses the paradigm shift underway in how financial services are structured and delivered. Over $11 billion has been invested in FinTech globally, with the majority ($6.6 billion) going to North America. The report identifies strategic opportunities for FinTech disruption, including digital banking, insurance, payments, personal financial management, and peer-to-peer lending. It warns that Europe risks losing ownership of the new financial services infrastructure to North America if rates of innovation do not increase outside the US.
The document outlines plans to launch a wholesale banking platform called Standard Treasury that will provide banking services via API to fintech companies and power the next generation of financial applications. It details the team's experience in banking technology, regulatory work completed in the UK and US, product roadmap, and financial projections showing an $8.99M series A round will fund the application and launch process. Risks are acknowledged but mitigation strategies are proposed to address challenges in obtaining a banking license, timeline, and hiring.
TouristEye - Personalizing The Travel Experience - 500 Startups500 Startups
TouristEye is a travel app that has been downloaded 500,000 times and has 40,000 monthly active users. It partners with travel guides to provide personalized recommendations and offers to users based on their travel wishes and purchase intent, which it tracks through 5 million user wishes. This personalized approach has led to a 22% click rate, 10 times the industry average. The founders are raising $1 million in funding after previously raising $300,000 to continue developing their technology to personalize the travel experience.
The document summarizes Square, a mobile payments startup. Square provides merchants with a free card reader that plugs into smartphones and tablets, allowing them to accept credit card payments with low fees of 2.75% per transaction. Square has a simple pricing model and signup process with no long-term commitments. The management team has successful experience in payments and technology. Square sees a large market opportunity in mobile payments given traditional card readers are expensive and inconvenient for small businesses. Square aims to acquire customers through wide exposure on social media and in stores. It has a first-mover advantage and plans to defend its position through brand recognition and compatibility across devices. Financial projections estimate high revenue growth and profitability that would generate strong returns for new
This document summarizes a task management tool called Taskly. It allows users to manage tasks in any workflow and supports getting things done more easily. The tool is designed to be easy to use, support any workflow, and actually help users complete tasks. It generates revenues through a freemium model with unlimited tasks for a $4 monthly fee. The company aims to grow through word of mouth, social media, and providing a helpful product to users.
Kibin is the newest and easiest way to get the things you write looked at by another set of eyes. Upload to Kibin and have another user leave edits and feedback on your writing in less than 24 hours!
Find out more at www.kibin.com or www.angel.co/kibin
Binpress is a platform that aims to monetize open-source software by connecting developers with companies. They have experienced rapid revenue growth from 2011-2013. Binpress plans to raise $1 million to be paid out to open source developers.
Sverve is an influencer marketplace that enables word-of-mouth marketing on social media. It allows businesses to create campaigns and find influential social media users to promote their products. Sverve has worked with over 350 businesses, reached 327k people, and generated $4,125 in profits for clients. It aims to raise $750k to expand its sales and development teams.
The document describes Launchrock, a startup that helps other startups and companies acquire users and understand them. Some key points:
- Launchrock has helped over 1,000,000 startups sign up users and 50,000 get in line for product launches. It has over 3,000 customers.
- It provides user management, marketing, social insights and relationship infrastructure tools to help companies acquire and understand users.
- The CEO is Jameson Detweiler and it has received funding from investors like 500 Startups and advisors from companies like Hubspot, KISSmetrics, and HootSuite.
- Launchrock has helped many companies launch successfully, including the Olsen Twins'
Kenny Hawk is the co-founder and CEO of BrandBoards, which aims to bring the simplicity and reach of Google AdWords to live event digital advertising. The experienced team includes experts in sports, advertising, and technology from companies like Anheuser-Busch, Cisco Systems, and Qualcomm. Their solution provides a complete platform to connect media buyers and owners of digital signs for streamlined buying, publishing, and payment of ads. BrandBoards has already signed its first $1 million in advertising commitments and is in contract negotiations with sports teams and leagues. They are raising $750,000 in investment.
The document describes a compact location and activity tracking device for pets called PinMyPet. It was created by a group of pet lovers and hackers who have been coding since they were 12 years old. The founders won an award from the Microsoft Innovation Center for Mobile Premier Awards in 2013. The document provides contact information for the PinMyPet founders.
This document provides contact information for Kejahunt, including their website, Facebook, Twitter, and email. It also mentions that a demo video is attached to showcase their product or service. The tagline "Easy Credible Convenient" suggests Kejahunt offers a simple, trustworthy, and hassle-free solution.
Businesses use The Daily Hundred to turn their influential customers into an extension of their marketing teams! Our platform allows businesses to connect with and reward these customers for creating and sharing branded content. Thousands of users login to our iPhone, Android and web app everyday to turn their influence into cash and rewards. There are currently two ways that users can earn rewards on our platform. The first way is by taking a picture with a brand's product or service and sharing that image on Facebook or Twitter. The second way is by sharing a message, created by the brand, with their friends and followers on Facebook and Twitter.
Word of mouth is the most effective form of advertising and we have created a platform that allows businesses of all sizes to run powerful word of mouth marketing campaigns at scale.
We help publishers promote their iPhone apps. Instead of screenshots or pre-recorded video, publishers can embed interactive iPhone app demos on any web page.
Cadee is helping golfer understand and improve their game. Just by taking a photo of their scorecard, we digitize their data and help them track their stats over time. We also connect them with other golfers and courses to help them get even more out of their game.
The document discusses the benefits of meditation for reducing stress and anxiety. Regular meditation practice can help calm the mind and body by lowering heart rate and blood pressure. Studies have shown that meditating for just 10-20 minutes per day can have significant positive impacts on both mental and physical health over time.
This was our final Series A deck. Read more about raising the round in this blog post:
https://medium.com/@DanielleMorrill/welcome-brad-feld-to-the-mattermark-team-announcing-our-6-5m-series-a-dd9532fc1b39
This document summarizes a platform that allows users to create customized maps of communities and interests. It started with 20,000 unique users and 18,000 monthly alerts. The platform has since received many requests to build maps for different interests around the world. The document outlines the business model, which includes organizing map data and monetizing through advertising, premium listings, and a potential SAAS model. It provides a timeline showing past pilots and plans for future mobile and discovery features. The team is seeking $1M in funding to further develop their self-service platform.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Manpacks is a startup that provides monthly subscriptions for men's underwear. It aims to solve problems men have obtaining and maintaining their underwear supply. The founders have relevant experience in retail operations, web design and development. They are currently raising $500k on AngelList and 70% is already committed. The website and social media promote the company's limited time offers and discovery of new products to help men.
The investor presentation we used to raise 2 million dollarsMikael Cho
The investor presentation we used to raise 2 million dollars for ooomf.com (now pickcrew.com)
View the online version here: https://pickcrew.com/investors/
Entrepreneurship involves identifying opportunities to solve problems and create value by allocating resources. Entrepreneurs see problems as opportunities and take action to identify solutions and customers. The document then provides examples of entrepreneurs like El Morro Fi, Jessie Thonburg, Shahid Nazir, and Danny MacAskill who pursued their passions through perseverance and hard work. It discusses the importance of building a strong brand through honesty, ethics and execution to create value for clients and stakeholders.
The document discusses the goals, dreams, and financial status of most people and how achieving financial success and independence takes a long time through traditional means of employment. It then introduces an opportunity to achieve financial success more quickly through an interactive marketing company called QuestNet that allows people to earn commissions by bringing on new customers and developing their network. It claims people can earn thousands of dollars per day and retire early by taking advantage of this opportunity.
The document discusses the goals, dreams, and financial status of most people and how achieving financial success and independence takes a long time through traditional means of employment. It then introduces an opportunity to achieve financial success more quickly through an interactive marketing company called QuestNet that allows people to earn commissions by bringing on new members. It outlines how the passive income earned through QuestNet can continue even after one stops working and provides an opportunity to retire early and achieve unlimited income through developing a global business opportunity.
Funding in Israel - What do local ecosystem investors are looking formyshivuk
This document discusses what local investors in Israel's startup ecosystem look for in potential investments. It notes that while it may seem easy for startups to raise money, only 30% actually succeed in subsequent funding rounds. The main reason for failure is not reaching significant milestones. Investors want to back companies pursuing large existing markets that can become "unicorns" (valued over $1 billion). Common traits of past unicorns included addressing competitive markets in ways that evolve existing behaviors, having untested founders, and no proven business model or revenue initially. The document outlines the types of questions investors ask about teams, products, competition, marketing, and risks. It provides examples of narratives investors prefer and ways to turn them off, concluding on
The document describes Launchrock, a startup that helps other startups and companies acquire users and understand them. Some key points:
- Launchrock has helped over 1,000,000 startups sign up users and 50,000 get in line for product launches. It has over 3,000 customers.
- It provides user management, marketing, social insights and relationship infrastructure tools to help companies acquire and understand users.
- The CEO is Jameson Detweiler and it has received funding from investors like 500 Startups and advisors from companies like Hubspot, KISSmetrics, and HootSuite.
- Launchrock has helped many companies launch successfully, including the Olsen Twins'
Kenny Hawk is the co-founder and CEO of BrandBoards, which aims to bring the simplicity and reach of Google AdWords to live event digital advertising. The experienced team includes experts in sports, advertising, and technology from companies like Anheuser-Busch, Cisco Systems, and Qualcomm. Their solution provides a complete platform to connect media buyers and owners of digital signs for streamlined buying, publishing, and payment of ads. BrandBoards has already signed its first $1 million in advertising commitments and is in contract negotiations with sports teams and leagues. They are raising $750,000 in investment.
The document describes a compact location and activity tracking device for pets called PinMyPet. It was created by a group of pet lovers and hackers who have been coding since they were 12 years old. The founders won an award from the Microsoft Innovation Center for Mobile Premier Awards in 2013. The document provides contact information for the PinMyPet founders.
This document provides contact information for Kejahunt, including their website, Facebook, Twitter, and email. It also mentions that a demo video is attached to showcase their product or service. The tagline "Easy Credible Convenient" suggests Kejahunt offers a simple, trustworthy, and hassle-free solution.
Businesses use The Daily Hundred to turn their influential customers into an extension of their marketing teams! Our platform allows businesses to connect with and reward these customers for creating and sharing branded content. Thousands of users login to our iPhone, Android and web app everyday to turn their influence into cash and rewards. There are currently two ways that users can earn rewards on our platform. The first way is by taking a picture with a brand's product or service and sharing that image on Facebook or Twitter. The second way is by sharing a message, created by the brand, with their friends and followers on Facebook and Twitter.
Word of mouth is the most effective form of advertising and we have created a platform that allows businesses of all sizes to run powerful word of mouth marketing campaigns at scale.
We help publishers promote their iPhone apps. Instead of screenshots or pre-recorded video, publishers can embed interactive iPhone app demos on any web page.
Cadee is helping golfer understand and improve their game. Just by taking a photo of their scorecard, we digitize their data and help them track their stats over time. We also connect them with other golfers and courses to help them get even more out of their game.
The document discusses the benefits of meditation for reducing stress and anxiety. Regular meditation practice can help calm the mind and body by lowering heart rate and blood pressure. Studies have shown that meditating for just 10-20 minutes per day can have significant positive impacts on both mental and physical health over time.
This was our final Series A deck. Read more about raising the round in this blog post:
https://medium.com/@DanielleMorrill/welcome-brad-feld-to-the-mattermark-team-announcing-our-6-5m-series-a-dd9532fc1b39
This document summarizes a platform that allows users to create customized maps of communities and interests. It started with 20,000 unique users and 18,000 monthly alerts. The platform has since received many requests to build maps for different interests around the world. The document outlines the business model, which includes organizing map data and monetizing through advertising, premium listings, and a potential SAAS model. It provides a timeline showing past pilots and plans for future mobile and discovery features. The team is seeking $1M in funding to further develop their self-service platform.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Manpacks is a startup that provides monthly subscriptions for men's underwear. It aims to solve problems men have obtaining and maintaining their underwear supply. The founders have relevant experience in retail operations, web design and development. They are currently raising $500k on AngelList and 70% is already committed. The website and social media promote the company's limited time offers and discovery of new products to help men.
The investor presentation we used to raise 2 million dollarsMikael Cho
The investor presentation we used to raise 2 million dollars for ooomf.com (now pickcrew.com)
View the online version here: https://pickcrew.com/investors/
Entrepreneurship involves identifying opportunities to solve problems and create value by allocating resources. Entrepreneurs see problems as opportunities and take action to identify solutions and customers. The document then provides examples of entrepreneurs like El Morro Fi, Jessie Thonburg, Shahid Nazir, and Danny MacAskill who pursued their passions through perseverance and hard work. It discusses the importance of building a strong brand through honesty, ethics and execution to create value for clients and stakeholders.
The document discusses the goals, dreams, and financial status of most people and how achieving financial success and independence takes a long time through traditional means of employment. It then introduces an opportunity to achieve financial success more quickly through an interactive marketing company called QuestNet that allows people to earn commissions by bringing on new customers and developing their network. It claims people can earn thousands of dollars per day and retire early by taking advantage of this opportunity.
The document discusses the goals, dreams, and financial status of most people and how achieving financial success and independence takes a long time through traditional means of employment. It then introduces an opportunity to achieve financial success more quickly through an interactive marketing company called QuestNet that allows people to earn commissions by bringing on new members. It outlines how the passive income earned through QuestNet can continue even after one stops working and provides an opportunity to retire early and achieve unlimited income through developing a global business opportunity.
Funding in Israel - What do local ecosystem investors are looking formyshivuk
This document discusses what local investors in Israel's startup ecosystem look for in potential investments. It notes that while it may seem easy for startups to raise money, only 30% actually succeed in subsequent funding rounds. The main reason for failure is not reaching significant milestones. Investors want to back companies pursuing large existing markets that can become "unicorns" (valued over $1 billion). Common traits of past unicorns included addressing competitive markets in ways that evolve existing behaviors, having untested founders, and no proven business model or revenue initially. The document outlines the types of questions investors ask about teams, products, competition, marketing, and risks. It provides examples of narratives investors prefer and ways to turn them off, concluding on
Funding in israel what do local ecosystem investors are looking formyshivuk
A presentation I gave as part of abrt fund (Russia) Garage day in Hertzelia. The audience was mostly startups entrepreneurs that were preparing for their first round.
This document summarizes the causes of the global credit crisis and economic downturn. Excessive borrowing driven by greed, temptation, and competitive pressures inflated an unsustainable asset bubble. When the bubble burst and credit markets seized up, widespread economic pain ensued as home and stock values declined. The author argues for a return to more ethical and sustainable local economies based on innovation, productivity, and meeting community needs rather than endless growth and consumption fueled by debt.
An Introduction to the Financial Industry and Finance Eco-systemUla Academics
Learn about the players in the Finance Eco-system; whether you are a curious undergraduate, a finance job-seeker or am simply interested to find out more about the Financial Industry, dive in to this presentation!
I started managing assets for clients in 1982. At the time, the previous decade was called “the lost decade”. Then, like now, masses were worried about the future. Then, like now, many problems existed.
Then, like now, the future looked questionable at best. Diligence, courage and a belief in the US, our citizenship and our way of life produced an 18 year bull market in 1982. Investors willing to ignore the news and take contrary actions were rewarded for years to come.
We believe the same events are unfolding today. Take time to watch this video. We think of it as a “light bulb” event.
Recession, how smart agencies can make money in a recessionPaul Birkett
The document discusses opportunities for agencies during an economic recession. It suggests that agencies should leverage the recession by getting closer to clients, deeply understanding their businesses, and helping solve larger problems beyond just advertising. Agencies should take a long-term view, focus on building strong client relationships, and position themselves as integral partners that can help clients navigate the recession.
This document discusses the rise of cryptocurrency and digital currency as the next disruption in the global financial system. It provides background on cryptocurrency technologies like blockchain and how some major companies are adopting aspects of these technologies. The document then discusses the cryptocurrency OneCoin in particular, describing its educational program, mining process and token system, and opportunities to profit from purchasing packages and building a referral network within the company. Overall, the key information is that OneCoin is a cryptocurrency company that allows users to purchase educational packages, obtain tokens to mine coins, and earn commissions through referrals.
Jim Chanos is the founder of Kynikos Associates, one of the largest fundamental short selling hedge funds. He became involved in short selling after correctly identifying a fraud as an analyst in the 1980s. Chanos believes short selling provides an important check on markets and enables long investors to take on more risk. Rather than viewing his fund as benefiting from market declines, Chanos sees it as providing "insurance" to investors by hedging downside risk and allowing clients to increase their long exposure. He manages risk by operating different funds, including a market neutral long/short fund and a fund that maintains a net long position despite holding significant short positions.
As technology evolves, new inventions disrupt existing ways of doing things. Digital currency is a new disruption that uses cryptography to securely conduct financial transactions without banks as a middleman. One type of digital currency, called cryptocurrency, uses blockchain technology to record transactions in a public ledger verified by a network of computers. One company promotes cryptocurrency education and investment opportunities through various membership packages that provide coins for mining and earning referral bonuses as cryptocurrency values fluctuate and mining difficulty increases over time.
This document discusses how the role of international trading companies has changed over the past decade. Traditionally, trading companies facilitated trade between exporters and importers by addressing issues like communication barriers, lack of contacts and reputation, difficulties obtaining financing, technical knowledge of trade processes, insurance, and chartering ships. However, globalization and technology have made it easier for exporters and importers to connect directly. While trading companies still provide value through logistics expertise, their traditional middleman function is less necessary as barriers to direct trade have reduced. The future viability of trading companies will depend on their ability to adapt services to the current environment.
The Venezuelan PARADOXS of the so called “Socialism of the 21st century”.Sogefi Group
Several oil service companies suspended or slowed operations in Venezuela this year due to difficulties in obtaining payment
from PDVSA, which is struggling because of low oil prices, as well as a decrease in oil production, and a decaying socialist
economy.
Contractors have cut back the drilling of oil in Venezuela amid a rising unpaid debt owed to suppliers by the Latin American
country’s government and state-owned producer PDVSA. On June 28th 2016, Baker Hughes reported that the number of oil
rigs in Venezuela dropped from 69 to 59 in May of this year. The CEO of the Italian oil and gas contractor Saipem SpA, said
that in April the company had suspended 89 percent of his operation rigs in Venezuela (25 of its 28 rigs). Other companies as
Schlumberger or Halliburton Co are reducing their activities in Venezuela also by the unpaid services bills.
Since 1998, oil production in Venezuela has been reduced by 750,000 barrels per day, with output falling by 250,000 barrels
per day in the first half of 2016 alone, according to Dr. Francisco Monaldi, a fellow in Latin American Energy Policy at the Baker
Institute at Rice University in Houston. Luisa Palacios, a senior managing director at Medley Global Advisors LLC, said that
exports in Venezuelan crude has fallen by more than 300,000 barrels per day in June 2016, compared with 2015 average,
while the rest of OPEC is ramping up production....
This document provides an introduction and overview of the "Ultimate Guide to Bitcoin". It explains that bitcoin is a quickly evolving subject that requires expertise from various fields to fully understand. The guide aims to educate people about bitcoin by compiling contributions from experts. It establishes that bitcoin is a new form of money that is controlled through mutual agreement rather than by governments. The guide also clarifies that bitcoin transactions are unlike credit card transactions as they transfer the actual currency rather than a representation of it.
This document contains notes from a lecture given by Brian Butler on international finance and economics topics. It provides an overview of Brian's background and qualifications, including his experience teaching at various universities. It then outlines the schedule for an upcoming lecture series, including dates for lectures in Greece and an exam. Various international economic concepts are discussed, including hedging foreign exchange risk, IMF lending, criticisms of the IMF, and lessons learned from financial crises.
This document is a guide to understanding Bitcoin. It aims to educate people about Bitcoin by compiling expertise from various fields related to Bitcoin like computer science, investing, and economics. The guide is freely distributable and intends to dispel fear about Bitcoin by providing knowledgeable information from experts. It explains that Bitcoin is a decentralized digital currency that functions as a medium of exchange through agreement between users, unlike government-issued fiat currencies. The guide covers topics like how Bitcoin works technologically, how to purchase and secure Bitcoin, and the investment potential and risks of Bitcoin. It aims to help people understand Bitcoin without fear or uncertainty.
The document discusses how to bulletproof a bank during challenging economic times. It recommends 10 steps to bulletproof the bank, including taking responsibility and action, rekindling relationships with customers, finding new business, controlling costs, using networks for support, and celebrating successes. It also provides 5 tips for bulletproofing oneself, such as choosing a positive attitude, seeing disasters as blessings, spending time with supportive people, maintaining a work-life balance, and keeping one eye on the present and one on the future. The overall message is that now is the time for banks and individuals to take proactive steps to prepare for difficulties and emerge stronger.
CoinLifestyle and Digital Currency 101 Tutorial by Amazon best Selling Author...CrowdNetworking, Inc
CoinLifestyle and Digital Currency 101 Tutorial by Amazon best Selling Author Tom McMurrain - The 7th Disruption of Digital Currency has begun and people are cashing in on the cryptocurrency land rush.
Speaking about entrepreneurship - by Jacob HagemannJacob Hagemann
About 2 years ago I did this presentation about entrepreneurship at the EMBA at Lugano University.
I use my own experience and the experience of 15 entrepreneurs that participated in a short questionnaire about Entrepreneurship.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
The Impact of Generative AI and 4th Industrial RevolutionPaolo Maresca
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...Donc Test
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
10. 1. Financial Services is a VERY big market with
MANY problems to solve …
2. Canada is a world leader with “Unicorns”
you likely haven’t heard of …
3. Financial Services is more regulated than
drugs and alcohol distribution …
4. It’s all about scale.
So what can I tell you about Fintech
from my experiences …
12. 1. … and is … big ...
The McKinsey Global Institute
extrapolated that the total
revenue of the global financial
services sector in 2011 was
roughly $11 trillion.
13. 1. … no, like super big ...
That amounts to 17% of the
global economy, measured in GDP.
21. So what all does this mean for Product?
1. Be better than a bank (reduce friction, make it simple,
speak human... )
22. So what all does this mean for Product?
2. Build around regulatory issues (no seriously … you’ll go
to jail otherwise ...)
23. So what all does this mean for Product?
Don’t be Clinkle!
3. Never forget it's about managing money ... so design to
build trust, to highlight security and privacy and to
demonstrate professionalism…
24. So what all does this apply to Product at
Financeit?