This document discusses how retired individuals can start a business by drawing on old skills and networks to address existing needs in mature markets. It recommends building a customer base and revenue first before introducing complex innovations, and advises establishing a solid foundation to maintain founder control while addressing pain points caused by regulatory changes. The goal is to leverage existing solutions rather than creating something entirely novel.
E-invoicing and Peppol were discussed. The presentation covered:
1) The invoicing flow and how e-invoicing streamlines it.
2) Peppol is a network that allows secure and standardized e-invoicing across Europe.
3) Belgian regulation will soon require all B2B invoicing to be electronic, utilizing the Peppol network.
4) As the Peppol network grows in users and document types, its benefits increase for all members through self-discovery and increased reception capabilities.
The document discusses a financial platform company that provides consulting and implementation services for digital investment offerings. It provides a cloud-native platform to support clients. The company assists with integrating its financial platform and customizing functionality. It also discusses how AI can help investment companies get more from their existing client base by identifying sales prospects, understanding individual client needs through data analysis, and creating tailored sales narratives. Finally, it outlines how AI can enhance the investment journey by performing tasks like proposing goals, conducting audits, generating recommendations, and delivering customized reports.
This document discusses how artificial intelligence can be a gamechanger in anti-money laundering efforts. It notes that estimated money laundering amounts to 2-5% of global GDP, or between $1-2 trillion globally and $25.5 billion in Belgium specifically. Current detection rates are only about 10% of total amounts. The document then outlines different implementation scenarios for using AI, including using it to generate new rules or augment existing rule-based systems. It proposes an approach that intelligently combines AI with rules to generate automated and explainable risk scoring of clients and transactions to better identify suspicious activity.
The document summarizes Nicolas Kalokyris' presentation on regulatory considerations for the use of artificial intelligence in financial services. It provides examples of AI applications like neobanks, credit scoring, chatbots, robo-advisors, and anti-money laundering. It also discusses applicable regulations and principles for regulating AI, including a risk-based approach and ensuring technological neutrality. The presentation aims to address legal uncertainty around applying existing financial regulations to innovative AI-based business models.
The document summarizes an upcoming event on AI regulation and innovations in financial technology. It includes:
1) An agenda for the event with presentations on the EU AI Act, AI in anti-money laundering and healthcare innovations, and a panel discussion.
2) Information on DLA Piper's EU AI Act app and digital guide providing analysis and resources on AI regulation.
3) An overview of Fintech Belgium, the organizer, including their membership, events, innovation hub, and resources for startups, events, news and careers in fintech.
This document summarizes an exclusive finance matchmaking session between 3 banks and 21 fintechs with over 110 registrations. The half-day event includes welcome remarks, a keynote on collaboration in innovation, reverse pitching sessions between the banks and fintechs, networking opportunities, and presentations from the fintechs. The event is organized by Fintech Belgium, a non-profit association promoting the development of fintech in Belgium through collaborations between its over 135 fintech members and other organizations.
This document discusses collaboration opportunities between banks and fintechs. It notes that Belgian banking customers have become less satisfied in recent years due to high prices, lack of personalized offerings, and an unmet price-quality ratio. Fintechs can address these issues by collaborating with banks across domains like payments, credit solutions, core banking, and digital retail. Leading fintechs are highlighted as examples. The document argues that banks and fintechs benefit from each other - fintechs gain resources and customer reach from banks, while banks gain flexibility and future-looking technologies from fintechs. For successful collaboration, both sides must champion each other's strengths, focus on security, partner through incubators, and drive customer-
Argenta was established in 1956 as a non-listed bank-insurer with family shareholders. It prides itself on being customer centric and having a culture of simplicity in all that it does. Argenta also aims to be robust, stable, and have a specific Argentanen culture. It has over 2,500 employees serving 1.74 million loyal customers and has a top 2 consumer banking market share in Flanders, with high customer satisfaction scores. Argenta's purpose is to care for customers, employees, branches, and society responsibly and empower them to meet financial challenges in an unpredictable world.
RiskConcile is a niche regulatory technology company headquartered in Leuven, Belgium that provides automated regulatory reporting software. They have strong ties to KU Leuven University and expertise in data science and risk management. Their software solutions help clients address challenges of scalability, frequency, and consistency of regulatory reporting by automating delivery from a single source of truth to replace spreadsheets. However, software also presents challenges of security, organizational adoption, correctness, and data ingestion that must be managed.
The document discusses recent EU regulations that have impacted payments, including PSD2 and MiCA. PSD2 introduced third party providers and open banking, allowing payment initiation and access to account information. MiCA established rules for crypto assets and service providers. Upcoming regulations like PSD3, FIDA and instant payments reforms aim to improve competition and access. While regulations can burden fintechs, they also create opportunities by enabling new business models, adding stability and trust, and facilitating data sharing and innovation.
This document discusses how HR technology and fintech can work together through a mobile app that gives employees easy and instant access to earned salary anytime. The app addresses the mismatch between income and expenses that limits savings for many younger workers. It functions as an enterprise SaaS solution, not a lender, and generates revenue through set-up fees, monthly fixed fees, percentages on embedded financial products, bespoke development, and licensing/royalties to create recurring monthly and annual revenue with low churn. The business operates in over 130 countries with different financial rules requiring six or seven tailored models.
Fintechs are leading the digital transformation of the financial services industry in Belgium. The document discusses what fintechs are and their sources of innovation, including addressing regulations, gaps in the market, and trends. It provides information on key players innovating in the fintech space in Belgium, including fintechs, traditional players, and technology companies. The final sections discuss the future of fintechs and the role of FinTech Belgium as the leading non-profit association representing over 60% of Belgian fintechs and promoting innovation in digital finance.
ROFIN.TECH is a non-profit trade association established in Romania in 2020 to represent fintech companies and support innovation in digital finance. It aims to shape supportive regulation, facilitate partnerships between fintechs and traditional financial institutions, and educate consumers and investors on fintech opportunities. ROFIN.TECH advocates for its members' interests through working groups, policy recommendations, and affiliations with other fintech associations. It also organizes industry events and publishes reports on the Romanian and CEE fintech markets. Membership provides benefits like invitations to events, partnerships with investors and corporations, and promotion of members' work.
Norway has a regulatory program for fintechs that includes meetings with authorities and industry representation. It also has a cross-industry program consisting of an API forum and networking events. The organization has European reach through bilateral collaborations and membership in EDFA, and it welcomes new members and partners to join its extensive Slack community and participate in events and programs in Oslo and Bergen.
The Czech fintech ecosystem has around 150 companies operating across four main areas: payments, personal finance management, crowdfunding, and SME financing. Fintech in the Czech Republic is driven by high card usage, growing smartphone ownership, and an increasingly cashless society. Czech fintech companies are innovating through new technologies like AI and cryptocurrencies, and many cooperate with incumbent banks by obtaining licenses or tapping larger customer bases. The opportunities in the Czech fintech market include serving the 18% of the population that is unbanked and the many SMEs that depend on banking services.
Lithuania has a growing fintech ecosystem, with Vilnius ranking as the largest fintech hub in the EU based on the number of licenses issued. The country has issued over 138 fintech licenses and has a low-risk regulatory environment. Over 7,000 people are employed in Lithuania's fintech sector, which serves over 25 million EU customers, and the country is focusing on continued growth of collaborations between fintech companies, universities, innovation centers, and government institutions to support the industry.
The Netherlands has a thriving fintech ecosystem due to its central location in Europe, highly connected and digitally savvy population, presence of international and domestic banks and insurance companies, and supportive regulatory environment. The Association Holland Fintech promotes collaboration, knowledge sharing and innovation across the over 1,000-member fintech network located primarily in Amsterdam. It connects domestic fintech firms to international opportunities and tracks global developments to help members expand their businesses in the Netherlands and globally.
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Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
This document discusses how retired individuals can start a business by drawing on old skills and networks to address existing needs in mature markets. It recommends building a customer base and revenue first before introducing complex innovations, and advises establishing a solid foundation to maintain founder control while addressing pain points caused by regulatory changes. The goal is to leverage existing solutions rather than creating something entirely novel.
E-invoicing and Peppol were discussed. The presentation covered:
1) The invoicing flow and how e-invoicing streamlines it.
2) Peppol is a network that allows secure and standardized e-invoicing across Europe.
3) Belgian regulation will soon require all B2B invoicing to be electronic, utilizing the Peppol network.
4) As the Peppol network grows in users and document types, its benefits increase for all members through self-discovery and increased reception capabilities.
The document discusses a financial platform company that provides consulting and implementation services for digital investment offerings. It provides a cloud-native platform to support clients. The company assists with integrating its financial platform and customizing functionality. It also discusses how AI can help investment companies get more from their existing client base by identifying sales prospects, understanding individual client needs through data analysis, and creating tailored sales narratives. Finally, it outlines how AI can enhance the investment journey by performing tasks like proposing goals, conducting audits, generating recommendations, and delivering customized reports.
This document discusses how artificial intelligence can be a gamechanger in anti-money laundering efforts. It notes that estimated money laundering amounts to 2-5% of global GDP, or between $1-2 trillion globally and $25.5 billion in Belgium specifically. Current detection rates are only about 10% of total amounts. The document then outlines different implementation scenarios for using AI, including using it to generate new rules or augment existing rule-based systems. It proposes an approach that intelligently combines AI with rules to generate automated and explainable risk scoring of clients and transactions to better identify suspicious activity.
The document summarizes Nicolas Kalokyris' presentation on regulatory considerations for the use of artificial intelligence in financial services. It provides examples of AI applications like neobanks, credit scoring, chatbots, robo-advisors, and anti-money laundering. It also discusses applicable regulations and principles for regulating AI, including a risk-based approach and ensuring technological neutrality. The presentation aims to address legal uncertainty around applying existing financial regulations to innovative AI-based business models.
The document summarizes an upcoming event on AI regulation and innovations in financial technology. It includes:
1) An agenda for the event with presentations on the EU AI Act, AI in anti-money laundering and healthcare innovations, and a panel discussion.
2) Information on DLA Piper's EU AI Act app and digital guide providing analysis and resources on AI regulation.
3) An overview of Fintech Belgium, the organizer, including their membership, events, innovation hub, and resources for startups, events, news and careers in fintech.
This document summarizes an exclusive finance matchmaking session between 3 banks and 21 fintechs with over 110 registrations. The half-day event includes welcome remarks, a keynote on collaboration in innovation, reverse pitching sessions between the banks and fintechs, networking opportunities, and presentations from the fintechs. The event is organized by Fintech Belgium, a non-profit association promoting the development of fintech in Belgium through collaborations between its over 135 fintech members and other organizations.
This document discusses collaboration opportunities between banks and fintechs. It notes that Belgian banking customers have become less satisfied in recent years due to high prices, lack of personalized offerings, and an unmet price-quality ratio. Fintechs can address these issues by collaborating with banks across domains like payments, credit solutions, core banking, and digital retail. Leading fintechs are highlighted as examples. The document argues that banks and fintechs benefit from each other - fintechs gain resources and customer reach from banks, while banks gain flexibility and future-looking technologies from fintechs. For successful collaboration, both sides must champion each other's strengths, focus on security, partner through incubators, and drive customer-
Argenta was established in 1956 as a non-listed bank-insurer with family shareholders. It prides itself on being customer centric and having a culture of simplicity in all that it does. Argenta also aims to be robust, stable, and have a specific Argentanen culture. It has over 2,500 employees serving 1.74 million loyal customers and has a top 2 consumer banking market share in Flanders, with high customer satisfaction scores. Argenta's purpose is to care for customers, employees, branches, and society responsibly and empower them to meet financial challenges in an unpredictable world.
RiskConcile is a niche regulatory technology company headquartered in Leuven, Belgium that provides automated regulatory reporting software. They have strong ties to KU Leuven University and expertise in data science and risk management. Their software solutions help clients address challenges of scalability, frequency, and consistency of regulatory reporting by automating delivery from a single source of truth to replace spreadsheets. However, software also presents challenges of security, organizational adoption, correctness, and data ingestion that must be managed.
The document discusses recent EU regulations that have impacted payments, including PSD2 and MiCA. PSD2 introduced third party providers and open banking, allowing payment initiation and access to account information. MiCA established rules for crypto assets and service providers. Upcoming regulations like PSD3, FIDA and instant payments reforms aim to improve competition and access. While regulations can burden fintechs, they also create opportunities by enabling new business models, adding stability and trust, and facilitating data sharing and innovation.
This document discusses how HR technology and fintech can work together through a mobile app that gives employees easy and instant access to earned salary anytime. The app addresses the mismatch between income and expenses that limits savings for many younger workers. It functions as an enterprise SaaS solution, not a lender, and generates revenue through set-up fees, monthly fixed fees, percentages on embedded financial products, bespoke development, and licensing/royalties to create recurring monthly and annual revenue with low churn. The business operates in over 130 countries with different financial rules requiring six or seven tailored models.
Fintechs are leading the digital transformation of the financial services industry in Belgium. The document discusses what fintechs are and their sources of innovation, including addressing regulations, gaps in the market, and trends. It provides information on key players innovating in the fintech space in Belgium, including fintechs, traditional players, and technology companies. The final sections discuss the future of fintechs and the role of FinTech Belgium as the leading non-profit association representing over 60% of Belgian fintechs and promoting innovation in digital finance.
ROFIN.TECH is a non-profit trade association established in Romania in 2020 to represent fintech companies and support innovation in digital finance. It aims to shape supportive regulation, facilitate partnerships between fintechs and traditional financial institutions, and educate consumers and investors on fintech opportunities. ROFIN.TECH advocates for its members' interests through working groups, policy recommendations, and affiliations with other fintech associations. It also organizes industry events and publishes reports on the Romanian and CEE fintech markets. Membership provides benefits like invitations to events, partnerships with investors and corporations, and promotion of members' work.
Norway has a regulatory program for fintechs that includes meetings with authorities and industry representation. It also has a cross-industry program consisting of an API forum and networking events. The organization has European reach through bilateral collaborations and membership in EDFA, and it welcomes new members and partners to join its extensive Slack community and participate in events and programs in Oslo and Bergen.
The Czech fintech ecosystem has around 150 companies operating across four main areas: payments, personal finance management, crowdfunding, and SME financing. Fintech in the Czech Republic is driven by high card usage, growing smartphone ownership, and an increasingly cashless society. Czech fintech companies are innovating through new technologies like AI and cryptocurrencies, and many cooperate with incumbent banks by obtaining licenses or tapping larger customer bases. The opportunities in the Czech fintech market include serving the 18% of the population that is unbanked and the many SMEs that depend on banking services.
Lithuania has a growing fintech ecosystem, with Vilnius ranking as the largest fintech hub in the EU based on the number of licenses issued. The country has issued over 138 fintech licenses and has a low-risk regulatory environment. Over 7,000 people are employed in Lithuania's fintech sector, which serves over 25 million EU customers, and the country is focusing on continued growth of collaborations between fintech companies, universities, innovation centers, and government institutions to support the industry.
The Netherlands has a thriving fintech ecosystem due to its central location in Europe, highly connected and digitally savvy population, presence of international and domestic banks and insurance companies, and supportive regulatory environment. The Association Holland Fintech promotes collaboration, knowledge sharing and innovation across the over 1,000-member fintech network located primarily in Amsterdam. It connects domestic fintech firms to international opportunities and tracks global developments to help members expand their businesses in the Netherlands and globally.
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Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
How MJ Global Leads the Packaging Industry.pdfMJ Global
MJ Global's success in staying ahead of the curve in the packaging industry is a testament to its dedication to innovation, sustainability, and customer-centricity. By embracing technological advancements, leading in eco-friendly solutions, collaborating with industry leaders, and adapting to evolving consumer preferences, MJ Global continues to set new standards in the packaging sector.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
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Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
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color choices.”
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
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Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
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