Sarah Tavel of Greylock Partners analyzes the unique financial pain points that young Americans are facing and explains why fintech is ripe for disruption.
This LinkedIn & Ipsos study provides actionable insights on:
• How Affluent Millennials are dramatically reshaping the future of the finance industry.
• How Affluent Millennials are preparing for tomorrow.
• What Affluent Millennials are looking for in a financial services provider and why it’s important to begin strengthening relationships with them today.
How to Preserve Your Wealth for Generations in CaliforniaScott Schomer
With proper estate and legacy planning, wealthy families have a better chance of success in passing on their fortune to their family, from one generation to the next. Learn more about legacy wealth planning in this presentation.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
If there’s one lesson that nonprofit organizations have learned in recent years, it’s that resources are finite and must be allocated prudently. How not-for-profits must quickly adapt to find new and creative ways to respond. See more in our State of not-for-profit industry 2014: http://gt-us.co/StateofNFP2014
Do Accelerators And Incubators Serve Themselves Better Than Startups?Faisal Hoque
There are now more support resources for startups than ever. Trouble is, most oversell and under-deliver.
There are literally thousands of startup accelerators, incubators, coworking spaces, innovation hubs, government-funded small business associations, university programs, and more.
So far, many are delivering too great a share of the wins only to themselves, leaving a long road behind them littered with failed startups and sterling intentions.
More at - http://shadoka.com/do-accelerators-and-incubators-serve-themselves-better-than-startups/.
This LinkedIn & Ipsos study provides actionable insights on:
• How Affluent Millennials are dramatically reshaping the future of the finance industry.
• How Affluent Millennials are preparing for tomorrow.
• What Affluent Millennials are looking for in a financial services provider and why it’s important to begin strengthening relationships with them today.
How to Preserve Your Wealth for Generations in CaliforniaScott Schomer
With proper estate and legacy planning, wealthy families have a better chance of success in passing on their fortune to their family, from one generation to the next. Learn more about legacy wealth planning in this presentation.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
If there’s one lesson that nonprofit organizations have learned in recent years, it’s that resources are finite and must be allocated prudently. How not-for-profits must quickly adapt to find new and creative ways to respond. See more in our State of not-for-profit industry 2014: http://gt-us.co/StateofNFP2014
Do Accelerators And Incubators Serve Themselves Better Than Startups?Faisal Hoque
There are now more support resources for startups than ever. Trouble is, most oversell and under-deliver.
There are literally thousands of startup accelerators, incubators, coworking spaces, innovation hubs, government-funded small business associations, university programs, and more.
So far, many are delivering too great a share of the wins only to themselves, leaving a long road behind them littered with failed startups and sterling intentions.
More at - http://shadoka.com/do-accelerators-and-incubators-serve-themselves-better-than-startups/.
We’re leaking, and everything’s fine: How and why companies deliberately leak...Ian McCarthy
Although the protection of secrets is often vital to the survival of organizations, at other times organizations can benefit by deliberately leaking secrets to outsiders. We explore how and why this is the case. We identify two dimensions of leaks: (1) whether the information in the leak is factual or concocted and (2) whether leaks are conducted overtly or covertly. Using these two dimensions, we identify four types of leaks: informing, dissembling, misdirecting, and provoking. We also provide a framework to help managers decide whether or not they should leak secrets.
Insurance products, savings and investments are crucial elements of financial health that evolve throughout our lifetime. But getting consumers to think long-term is not easy.
Keeping it real - How authentic is your Corporate Purpose? Burson-Marsteller
Burson-Marsteller and Swiss-based IMD have been working together to research corporate purpose since 2008. This year’s study is presented in the context of the findings of Burson-Marsteller’s Corporate Perception Indicator, a global survey of public hopes and expectations of companies and their leaders.
The drivers of consumer value appear to have fundamentally changed, with far reaching implications for the food and beverage industry. This infographic examines these consumer-led disruptions and how they represent an opportunity, even an imperative, for manufacturers and retailers to reposition themselves with consumers and shoppers. http://www2.deloitte.com/us/en/pages/consumer-business/articles/us-food-industry-consumer-trends-report.html
How Generation Y millennials are driving financial industry changeHarland Clarke
Financial marketers are being put to the test as fairly predictable generations of customers give way to the less familiar and less predictable. Pre-Baby Boom generations have been in retirement for years, and their pattern of drawing down assets continues. Now, Baby Boomers themselves are busy liquidating assets to fund college educations, weddings and their own retirements. Generation Xers have well-established careers and saving/investing habits to match.
In 2007, BBDO published a piece of research entitled The Rituals Masters. Twelve years on, the world has changed dramatically, which has had a significant impact on our needs and on our rituals.
Financial Services: Insight and TrendsNadya Powell
What do customers think of Financial Services brands? What cultural trends should Financial Services brands take note of. This deck hopefully gives you everything you need to know. Thanks to Zoe Decool for research help.
On June 18th Facebook announced it would be launching a stablecoin. A month later they were testifying in front of congress and being compared to Osama Bin Laden and his attack on the World Trade Center. What gives? In this talk, you'll get the inside scoop from the founder of the company behind the world's first, fully-backed, stablecoin that grew from $0 to $7B in monthly volume after they launched it from their living room. You'll also have the opportunity to learn everything you ever wanted to know about stablecoins, the movement of money, the future of financial services, and most importantly, what it all means for YOU!!
ForwardThinking 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.
The Deloitte M&A focus on: Analytics survey collected responses from 500 corporate leaders (director-level or above) at large U.S. companies about analytics. In this presentation, we’ve shared some of their high-level insights on everything from where analytics is being used in the deal making process to what types of data is being examined, and much more. http://bit.ly/1LHNKKd
Financing Small Business Success: The Rise of Online LendingIntuit Inc.
As part of its ongoing efforts to solve persistent pain points for small business, Intuit released a new research report, “Financing Small Business Success” which shows how online lenders are reshaping the small business financing market.
The research was conducted by Ebiquity and based on 500 interviews held July 20-27. Research was completed online among owners and managers of U.S. small businesses that have attempted, either successfully or unsuccessfully, to secure funding for their company through business financing channels.
The forecast was prepared by Emergent Research, based on existing assessments of the small business credit market outlined in the Harvard Business School paper, “The State of Small Business Lending: Credit Access During the Recovery and How Technology May Change the Game.” The forecast assumes moderate U.S. economic growth averaging 2-3 percent over the forecast timeframe.
Launching a startup isn't easy. At each stage of scaling - from founding to product-market fit, from product-market fit to hyper growth, and from hyper growth to maturity - entrepreneurs face unique challenges. Greylock Partners hosted an event, called Greyscale, focused on these challenges at each stage. In the opening keynote, Jerry Chen of Greylock Partners discusses the state of enterprise software after the first quarter of 2016. He summarizes the private and public markets, M&A activity, and explains how this climate affects the startup environment.
How do we see the healthcare's digital future and its impact on our lives?Jane Vita
"Healthcare is undergoing major changes spurred on by, but not limited to, technology.
Digitalisation is changing the way we think about health, what taking care of it really entails, our personal role in healthcare systems and the way we interact with technology in the context of health.
In many ways, we are entering a post-institutional age of increased personal responsibility, which presents healthcare service providers and other players in the field with major opportunities and great risks. Technology has the potential to empower people and help them become more active in the management of their and their families’ health. This will change the relationship of the patient and the caregiver in profound ways." Mirkka Länsisalo
A co-creation with Mirkka Läansisalo and Sala Heinänen, at Futurice.
We’re leaking, and everything’s fine: How and why companies deliberately leak...Ian McCarthy
Although the protection of secrets is often vital to the survival of organizations, at other times organizations can benefit by deliberately leaking secrets to outsiders. We explore how and why this is the case. We identify two dimensions of leaks: (1) whether the information in the leak is factual or concocted and (2) whether leaks are conducted overtly or covertly. Using these two dimensions, we identify four types of leaks: informing, dissembling, misdirecting, and provoking. We also provide a framework to help managers decide whether or not they should leak secrets.
Insurance products, savings and investments are crucial elements of financial health that evolve throughout our lifetime. But getting consumers to think long-term is not easy.
Keeping it real - How authentic is your Corporate Purpose? Burson-Marsteller
Burson-Marsteller and Swiss-based IMD have been working together to research corporate purpose since 2008. This year’s study is presented in the context of the findings of Burson-Marsteller’s Corporate Perception Indicator, a global survey of public hopes and expectations of companies and their leaders.
The drivers of consumer value appear to have fundamentally changed, with far reaching implications for the food and beverage industry. This infographic examines these consumer-led disruptions and how they represent an opportunity, even an imperative, for manufacturers and retailers to reposition themselves with consumers and shoppers. http://www2.deloitte.com/us/en/pages/consumer-business/articles/us-food-industry-consumer-trends-report.html
How Generation Y millennials are driving financial industry changeHarland Clarke
Financial marketers are being put to the test as fairly predictable generations of customers give way to the less familiar and less predictable. Pre-Baby Boom generations have been in retirement for years, and their pattern of drawing down assets continues. Now, Baby Boomers themselves are busy liquidating assets to fund college educations, weddings and their own retirements. Generation Xers have well-established careers and saving/investing habits to match.
In 2007, BBDO published a piece of research entitled The Rituals Masters. Twelve years on, the world has changed dramatically, which has had a significant impact on our needs and on our rituals.
Financial Services: Insight and TrendsNadya Powell
What do customers think of Financial Services brands? What cultural trends should Financial Services brands take note of. This deck hopefully gives you everything you need to know. Thanks to Zoe Decool for research help.
On June 18th Facebook announced it would be launching a stablecoin. A month later they were testifying in front of congress and being compared to Osama Bin Laden and his attack on the World Trade Center. What gives? In this talk, you'll get the inside scoop from the founder of the company behind the world's first, fully-backed, stablecoin that grew from $0 to $7B in monthly volume after they launched it from their living room. You'll also have the opportunity to learn everything you ever wanted to know about stablecoins, the movement of money, the future of financial services, and most importantly, what it all means for YOU!!
ForwardThinking 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.
The Deloitte M&A focus on: Analytics survey collected responses from 500 corporate leaders (director-level or above) at large U.S. companies about analytics. In this presentation, we’ve shared some of their high-level insights on everything from where analytics is being used in the deal making process to what types of data is being examined, and much more. http://bit.ly/1LHNKKd
Financing Small Business Success: The Rise of Online LendingIntuit Inc.
As part of its ongoing efforts to solve persistent pain points for small business, Intuit released a new research report, “Financing Small Business Success” which shows how online lenders are reshaping the small business financing market.
The research was conducted by Ebiquity and based on 500 interviews held July 20-27. Research was completed online among owners and managers of U.S. small businesses that have attempted, either successfully or unsuccessfully, to secure funding for their company through business financing channels.
The forecast was prepared by Emergent Research, based on existing assessments of the small business credit market outlined in the Harvard Business School paper, “The State of Small Business Lending: Credit Access During the Recovery and How Technology May Change the Game.” The forecast assumes moderate U.S. economic growth averaging 2-3 percent over the forecast timeframe.
Launching a startup isn't easy. At each stage of scaling - from founding to product-market fit, from product-market fit to hyper growth, and from hyper growth to maturity - entrepreneurs face unique challenges. Greylock Partners hosted an event, called Greyscale, focused on these challenges at each stage. In the opening keynote, Jerry Chen of Greylock Partners discusses the state of enterprise software after the first quarter of 2016. He summarizes the private and public markets, M&A activity, and explains how this climate affects the startup environment.
How do we see the healthcare's digital future and its impact on our lives?Jane Vita
"Healthcare is undergoing major changes spurred on by, but not limited to, technology.
Digitalisation is changing the way we think about health, what taking care of it really entails, our personal role in healthcare systems and the way we interact with technology in the context of health.
In many ways, we are entering a post-institutional age of increased personal responsibility, which presents healthcare service providers and other players in the field with major opportunities and great risks. Technology has the potential to empower people and help them become more active in the management of their and their families’ health. This will change the relationship of the patient and the caregiver in profound ways." Mirkka Länsisalo
A co-creation with Mirkka Läansisalo and Sala Heinänen, at Futurice.
In this deck, Greylock Partner Jerry Chen reviews some of the traditional economic moats that technology companies typically leverage and how they are being disrupted. I believe that startups today need to build systems of intelligence™ — AI powered applications — “the new moats.”
A look at the evolution of analytics and its revolutionary potential to transform ordinary businesses, power new business models, enable innovation, and deliver greater value. http://www2.deloitte.com/us/en/pages/deloitte-analytics/articles/analytics-trends.html
SpringOwl's 99 Page Presentation On Turning Around ViacomEric Jackson
In this 99 page presentation, we lay out why Viacom's stock price has been cut in half in the past year, and our proposed plan for turning the company around.
Venture capitalists, especially those investing at the early stage, could be described as “relationship capitalists”. You’ll often hear how investors approach their commitments like a marriage, and that they think long and hard about with whom they want to go to bed. Avoid picturing that second part.
But the VC mystique can be inexplicable at times. Why do they send such curt emails? What the #%$! do they mean by “traction”? Are they even paying attention?!
Here are some things they might be thinking (but probably won’t flat-out say) during the courtship process, and how you can prepare, take ownership, and rock the pitch.
Why Boards Matter: Building and Developing a World Class Board of DirectorsJim Citrin
Our insights about the market for board talent across S&P 500, the U.S. Tech Industry, and early stage growth companies as well as a cross section of boards interested executives based on the Spencer Stuart Board Index, the U.S. Tech Board Index, and a SurveyMonkey survey put together as input for #WhyBoardsMatter, a joint presentation from Spencer Stuart and Kleiner Perkins.
Read the full post here:
Top 10 Learnings Growing to (Almost) $10 Million ARR: Leo's presentation at S...Buffer
Our COO Leo Widrich spoke at the SaaStr Annual conference on February 9, 2016 and shared some lessons that have helped Buffer grow. The tips range across product, marketing, and general work culture!
GP Bullhound LLP puts together its annual report on valuations, revenues and "unicorns" inside the European Union (this is the final list in which UK based companies are being counted as European!)
SpringOwl's 99 Page Presentation On How To Best Turnaround Yahoo!Eric Jackson
On Dec. 13, 2015, SpringOwl released this 99 page presentation on why Yahoo needs substantial change from the status quo and why it would be a mistake to sell the core business now at the lows. We offer our 9 point plan for how to turn around the company and create the most amount of value with the least risk for shareholders (and employees)
Black Box Thinking - The Surprising Truth About SuccessMatthew Syed
In his new book Black Box Thinking, award winning journalist and best-selling author Matthew Syed shares the surprising truth about success (and why some people never learn from their mistakes).
Covering topics including marginal gains, closed loops, blame culture, the logic of failure and creating a growth culture, Matthew uses gripping case studies, exclusive interviews and really practical takeaways to explain how you can turn failure into success.
Whether developing a new product, honing a core skill or just trying to get a critical decision right, Black Box Thinkers aren't afraid to face up to mistakes. In fact, Black Box Thinkers see failure as the very best way to learn. Rather than denying their mistakes, blaming others or attempting to spin their way out of trouble, these institutions and individuals interrogate errors as part of their future strategy for success.
This is a visual preview of Black Box Thinking. You can pick up a copy of the book at www.mathewsyed.com/blackboxthinking
The results of Aimia’s 2011 consumer
research in Canada, the UK and the
US reveal surprising insights into the
behavior of Generation Y and their
relationship to technology, data privacy,
brand loyalty and reward programs.
Co-presented with Kris Wickline at CUNA Mutual's 2008 Discovery Conference, this presentation provides an overview and business case for why credit unions NEED to focus on Gen Y as part of their overall business strategy.
http://bondsmakeiteasy.org An historic opportunity to help all Americans take action to save and strive toward economic independence is now available. The new savings policy the President announced in 2009 takes advantage of the form nearly every American must interact with every year – the federal tax form – and creates a new savings opportunity accessible to the 100 million people who get a tax refund every year. The savings product is a U.S. Savings Bond – a safe, universal, familiar, trustworthy, government-issued savings instrument especially well suited for the small saver, but available to all.
This report is a call-to-action for all Americans to seize this historic moment, transform tax time into a savings event each year and to invest in U.S. Savings Bonds, thus encouraging Americans to embrace saving once more and prioritize thrift over spending in financial preparation for the future.
Bankings Biggest Problem: The Millennial Generation (Updated)George Samuel Samman
Millennials are the fastest growing demographic worldwide and they have unique characteristics which companies must tap into if they want to succeed in the coming decades. Fintech is seizing this opportunity and the banks are failing. There is a major opportunity here for those who win the millennials and the underbanked globally.
http://bondsmakeiteasy.org For several years, Doorways to Dreams (D2D) Fund has tested strategies to help lower-income working people direct part of their annual tax refunds to savings. During tax season 2009, D2D and partners around the country offered nearly 40,000 tax filers a chance to buy a U.S. Savings Bond with part of their refunds.The findings from the study point to the unique power of U.S. Savings Bonds to re-energize America’s historical orientation toward thrift and to help all Americans participate in saving as a hedge against crises and a resource to enable strategic investments, like a home purchase or college education.
Tu Bui • Transamerica Financial Advisors, Inc.
- Millennials and risk management by Katie Kuehner-Hebert
- High yield sector shows divergences
- Passionate about paying it forward (Nancy Hairsine, Foresters Equity Services, Inc.)
Changing the Distribution Dynamic Strategies for increasing the value of dist...Accenture Insurance
While life insurance growth in the US remains slow, an analysis of the marketplace shows that the untapped potential is massive. This report examines the US marketplace and identifies four “white space opportunities” ready to be captured. It also offers five strategies that life insurers must use to differentiate themselves from the pack to reap the benefits of these opportunities.
There’s $7 trillion of market cap for U.S. based financial institutions. In most major industries, the “challenger” technology company is now the most dominant — Facebook, at $540bn, is the most valuable media company, and Amazon is 3x the size of Walmart, at close to $1tn in market value.
This has not yet happened in finance. Despite strong technology players like Stripe, Square, PayPal, and Robinhood, traditional banks are still dominant.
With a regulatory environment that favors smaller companies, digital infrastructure that enables data portability, personalized data and machine learning, and increased trust and user preference for mobile-first products, digital-native financial institutions will have a foot-hold to get started and eventually consolidate financial services.
To invest in this space, we started with a simple question from first principles: what is finance? Our answer:
Infrastructure to exchange resources with unknown people and businesses.
Each word of this sentence represents hundreds of billions of dollars of legacy infrastructure that are being replaced by software. At Greylock, we partner with entrepreneurs who are building category-defining fintech companies such as Coinbase, Blend, PayJoy, Opportun, and Ribbon.
Below is a deck about the characteristics we look for in fintech companies and where we believe outlier companies will be created. If you are an entrepreneur in the space or have any feedback on the deck, please reach out to me at seth (at) greylock (dot) com or LinkedIn.
Startups Serving The Enterprise: A map for navigating one another in the ques...Greylock Partners
The rise of new technologies has created an opportunity for enterprises to innovate, improve efficiency and provide differentiated customer experiences. For faster technology adoption and better service and support, enterprises often partner with startup companies to maintain competitive advantage. However, the path to a successful partnership involves several learning lessons.
At Greyscale, our annual conference that connects CXO leaders with enterprise founders, Greylock's Sarah Guo discusses how enterprise and startup leaders can effectively work together.
What Are Growth Teams For, and What Do They Work On? By Greylock's Growth Adv...Greylock Partners
I receive a lot of questions about growth teams. Naturally, there is a lot of confusion. Is this marketing being re-branded? Who does this team report to? What is the goal of it? What do they actually work on? When do I start a growth team for my business?
The purpose of growth is to scale the usage of a product that has product-market fit. You do this by building a playbook on how to scale the usage of a product. A playbook can also be called a growth model or a loop.
The first question you should ask before asking about growth is if you have product-market fit?
Building an enduring, multi-billion dollar consumer technology company is hard. As an investor, knowing which startups have the potential to be massive and long-lasting is also hard. From both perspectives, identifying companies with this potential is a combination of “art” and “science” — the art is understanding how products work, and the science is knowing how to measure it. At the earliest stages of a company, it comes down to understanding how a product is built to maximize and leverage user engagement.
In this presentation, Sarah Tavel shares her "Hierarchy of Engagement" framework she uses to evaluate non-transactional consumer companies she is looking to invest in.
Jerry Chen, partner at Greylock and former VP of Cloud and Application Services at VMware, shares his Unit of Value framework for startups building a go-to-market strategy. He developed this strategy while managing product and marketing teams at VMware that shipped many “1.0” releases, including VMware VDI, Cloud Foundry, and vFabric, and continues to use the framework to evaluate companies as an investor.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Explore our most comprehensive guide on lookback analysis at SafePaaS, covering access governance and how it can transform modern ERP audits. Browse now!
4. Startups are able to provide “better, cheaper” by
recasting cost structures of incumbents.
eCommerce
“Full stack” tech
Sharing Economy
Peer to Peer Marketplaces
5. Why does saving money lead to such
massive companies?
It’s the painkiller of the mass market.
6. Real annual wages have been mostly stagnant since 2000.
90% of Americans make <$90k annually.
Source: Economic Policy Institute
8. What we usually talk about with Millennials:
Largest generation:
Born between ~1981-‐2004
• Digital natives -‐ trust and expect
more from tech
• Generation of “early adopters”
• Check their phone 45x a day -‐
more than they engage with
people
• Spend 30hrs+/month on social
media
Source: SDL, Millennial Disruption Index
10. Millennials are being hit hard by education costs.
Source: Bureau of Labor Statistics, National Postsecondary Student Aid Study, Edvisors.com
11. Their debt profile will differ dramatically from prior
generations.
2003 2015
Avg. Debt Balance by Age of Borrower
12. They’re going to struggle with this debt load.
Avg. Hourly Wages of College Grads, 1989-‐2014
13. This will cast a shadow on their financial health for
decades.
Source: WSJ, Federal Reserve Bank of New York Consumer Credit Panel/Equifax
14. Meanwhile, regulatory changes have diminished
access to capital.
Source: The SCE Credit Access Survey, Federal Reserve Bank of New York
0
20
40
60
80
100
<680 681 -‐ 759 760 +
Applied and Accepted Applied and Rejected Discouraged
Borrowers’ Credit Experiences, By Credit Score
15. Millennials aren’t getting credit cards.
Source: Bankrate August 2014 Financial Security Index, NY Times
Lowest level for Americans <35 yrs old since Fed started collecting data.
16. Mortgages aren’t any different.
Mortgage Originations by Credit Score
Source: Federal Reserve Bank of New York Consumer Credit Panel/Equifax
17. Home ownership is at its lowest level since the
Census started tracking it.
Source: US Census Bureau, Zillow
18. People are on their own more than ever.
“Gig economy” growing as % of labor force.
19. High deductible plans are becoming the norm.
Source: Henry J. Kaiser Family Foundation/Health Research & Educational Trust Report
20. Taken together, you have a generation juggling a new
financial reality.
• Entering adulthood with a complex personal
financial picture.
• Expenses going up (loan servicing, rent, health)
while income is stagnant.
• Reduced access to and adoption of traditional
forms of credit (credit card, mortgage)
21. Americans, particularly Millennials, need new ways
to save money.
Getting more
for less
Managing your
financial health
Medical?
Housing?
Education?
Financial Advice?
Access to credit?
Resilience?
22. It’s time. Fintech is ripe for disruption:
Recent startup wins (Square, LendingClub, SoFi, Stripe) creating
generation of founders who understand how to navigate the space.
Regulatory changes as result of Financial Crisis restricting ability of
incumbents to innovate.
Classic consumer internet opportunities (“the next great photo
app!”) have largely dried up, so talented consumer-‐oriented
founders looking elsewhere.
23. Millennials are ready for change.Brand love
of the leading Banks are among the ten
least loved brands by millennials.All 4
Source: Millennial Disruption Index
24. Millennials are ready for change.
73%
of millennials would be more excited
about a new offering in financial
services from Google, Amazon, Apple,
PayPal, or Square than from their
nationwide bank.
Source: Millennial Disruption Index
26. Manage better
• Become the new primary financial relationship by
applying the automation consumers have come to
expect from technology to managing their finances.
• “Robo-‐advisors” was first wave. But what about
managing our savings? Spending? Overall management?
• Companies in this space:
27. Increase financial resilience: Borrow better
• Reimagining loan products to increase access to
capital and/or reduce cost of capital:
– New short-‐term credit instruments
– Rethinking home ownership
• Must have differentiated user acquisition story
and/or unique data advantage.
• Companies in this space:
28. Increase financial resilience: Insure better
• Protection from the unexpected
– New insurance products for underserved
needs or segments (e.g., freelancers)
– Recast cost structure of incumbents (by going
direct to consumer, peer to peer, etc.) to
provide existing products with better
experience, cheaper.
• Companies in this space:
29. And of course…. Spend better
• Slow growth of healthcare, housing, and
education costs
• Telemedicine, price transparency
• Work-‐based education programs, disrupt the
4-‐year college experience
• Co-‐living
• “Renting” economy disrupts new verticals
• Companies in this space:
30. “ Silicon Valley is coming. There are hundreds of
startups with a lot of brains and money working on
various alternatives to traditional banking… Silicon
Valley is good at getting rid of pain points. Banks are
good at creating them ”
-‐ Jamie Dimon
CEO, JPMorgan Chase