The document discusses opportunities in the future of consumer finance, including increasing access to capital through alternative lending models like peer-to-peer lending and microfinance. It also discusses opportunities to decentralize power by expanding cooperative and credit union models, as well as using technology and collaborative networks to connect producers and consumers in new ways that could change lives globally.
A marketing revolution is underway driven by changing consumer behaviour, big data, new channels and technologies. These trends allow organisations to deliver high levels of relevance at scale and speed, while also allowing greenfield competitors to launch disruptive plays.
StoxPlus is pleased to introduce our third issue on Vietnam Consumer Finance (“CF”) Market report 2015. Our first issue was released in 2013, covering consumer finance (“CF”) market data up to 31/12/2011. Our 2013 report was the first in-depth sector research for consumer finance in Vietnam. Fast forward to this new edition of our report, StoxPlus provided an updated and comprehensive analysis on the small but fast-growing consumer finance market in Vietnam. - See more at: http://stoxresearch.com/Reports/152-vietnam-consumer-finance-report-2015.aspx#sthash.KukBjr96.dpuf
A presentation a friend and I worked on while brainstorming ideas for a technology startup. Our objective was to explore opportunities in industries we're familiar with and industries we believe are ripe for disruption. The presentation lays out key industry metrics and profiles successful companies (somewhat startup-focused) within each industry.
A marketing revolution is underway driven by changing consumer behaviour, big data, new channels and technologies. These trends allow organisations to deliver high levels of relevance at scale and speed, while also allowing greenfield competitors to launch disruptive plays.
StoxPlus is pleased to introduce our third issue on Vietnam Consumer Finance (“CF”) Market report 2015. Our first issue was released in 2013, covering consumer finance (“CF”) market data up to 31/12/2011. Our 2013 report was the first in-depth sector research for consumer finance in Vietnam. Fast forward to this new edition of our report, StoxPlus provided an updated and comprehensive analysis on the small but fast-growing consumer finance market in Vietnam. - See more at: http://stoxresearch.com/Reports/152-vietnam-consumer-finance-report-2015.aspx#sthash.KukBjr96.dpuf
A presentation a friend and I worked on while brainstorming ideas for a technology startup. Our objective was to explore opportunities in industries we're familiar with and industries we believe are ripe for disruption. The presentation lays out key industry metrics and profiles successful companies (somewhat startup-focused) within each industry.
Enable process visbility: The Value Proposition for SAP customers IBM WebSphereIndia
This presentation was given by Joe Kaczmarek, Worldwide Sales Leader, IBM Business Process Management and Operational Decision Managemnt.
It was presented during Impact 2012 in Mumbai on the 1st of June, 2012.
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
North America Mortgage Banking 2020: Convergent Disruption in the Credit Indu...accenture
To further compound lenders’ challenges to rebuild growth, profitability and efficiency following the recent credit crisis, convergent disruption is leading to a structural change in the industry; multiple disruptive forces are converging, creating an increasingly complex and highly dynamic future environment. Accenture examines the building blocks and roadmap to success in 2020.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
SANTANDER CONSUMER FINANCE-SANTANDER INVESTOR DAY 2011BANCO SANTANDER
Santander Consumer Finance se mueve en niveles récord de beneficios en 2011 y continuará haciéndolo en 2012 y 2013. Presentación Magda Salarich. Santander Investor Day 2011
Découvrez le Business Model innovant du Compte Nickel, analysé avec le Business Model Canvas et le Value proposition Canvas. Innovation par la Proposition de Valeur et le Canal de Distribution. Etude réalisée par Onopia : www.onopia.com
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector
Thailand Fintech landscape 2016 special report by techsauce Techsauce Media
Thailand Fintech landscape 2016 by techsauce.co including:
- What is Fintech?
- Fintech in Asia
- Fintech in Thailand
- Collaboration between big enterprises and startups
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
Acxiom presentation to Forrester Marketing Forum Nov 2009Tim Suther
Acxiom presentation to Forrester Marketing Forum London Nov 2009. Identifies key steps to dramatically improved marketing & advertising. Contains many examples
Tough Times Don’t Last But Tough Competitors Do
Forrester EMEA Marketing Forum
November 18th, 2009
http://www.forrester.com/events/eventdetail/0,9179,2424,00.html?sTab=agenda
Half of all ad spend is wasted. Marketers are under pressure to produce results, often times with fewer resources and greater expectations. Join Tim Suther’s discussion of core principles that transcend macroeconomic condition and enable tough, high-performance marketing and advertising.
Using real-world examples Suther will move the discussion from vision to practical, deployable ideas that demonstrate the utility of these core principles, allowing your message to be heard: the “new black”, data; optimization and the 360 degree view of your consumer; Confluence of insight and media; accountability in execution. This construct enables direct marketing sensibility in your marketing processes and campaigns, creating staying power during the tough times and competitive advantage during the good times.
iDirect is the confluence of digital and direct marketing. It is interactive, information-driven, insightful, innovative and iterative. This presentation highlights the imperative for iDirect and its 4 fundamental tenets.
China Outbound M&A Opportunities- Identifying Attractive Global Consumer BrandsKC Yoon
As the Chinese economy continues to grow, we see an expanding middle-class of Mass-affluent Chinese consumers who are creating demand for consumer brands and services.
1.With the young and limited domestic consumer brand market, significant opportunities exist for foreign consumer brands (esp. luxury and premium foreign brands), consumer technology & services to fill the demand gaps.
2.Chinese brands can learn much from partnerships and ventures with experienced foreign brands as they attempt to go global.
3.China-based PE Funds are also shifting their focus away from investments in domestic market towards more attractive M&A opportunities in foreign brands (seeking capital due to weak domestic markets)
Enable process visbility: The Value Proposition for SAP customers IBM WebSphereIndia
This presentation was given by Joe Kaczmarek, Worldwide Sales Leader, IBM Business Process Management and Operational Decision Managemnt.
It was presented during Impact 2012 in Mumbai on the 1st of June, 2012.
Investing in fintech: Trends in financial technology for investors and entrep...OurCrowd
Join Zack Miller, Head of the Investor Community at OurCrowd, and Mick Weinstein, VP of Marketing at BIllGuard for an in depth discussion of the recent trends and opportunities in the dynamic financial technology industry. Zack and Mick have both helped build some of the top companies in the space including Seeking Alpha, Covestor, OurCrowd, BillGuard, Lending Club, SigFig and more.
Join us to learn about:
How top investors and entrepreneurs think about the entire fintech ecosystem, from online asset management, to financial content, to consumer finance apps, and crowdfunding.
Which business models are taking hold and their future prospects.
The challenges and opportunities for investing and building a valuable company in the financial space.
North America Mortgage Banking 2020: Convergent Disruption in the Credit Indu...accenture
To further compound lenders’ challenges to rebuild growth, profitability and efficiency following the recent credit crisis, convergent disruption is leading to a structural change in the industry; multiple disruptive forces are converging, creating an increasingly complex and highly dynamic future environment. Accenture examines the building blocks and roadmap to success in 2020.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
SANTANDER CONSUMER FINANCE-SANTANDER INVESTOR DAY 2011BANCO SANTANDER
Santander Consumer Finance se mueve en niveles récord de beneficios en 2011 y continuará haciéndolo en 2012 y 2013. Presentación Magda Salarich. Santander Investor Day 2011
Découvrez le Business Model innovant du Compte Nickel, analysé avec le Business Model Canvas et le Value proposition Canvas. Innovation par la Proposition de Valeur et le Canal de Distribution. Etude réalisée par Onopia : www.onopia.com
Philippe Gelis, CEO & Co-Founder of Kantox, talking about the next 10 years in Fintech; A new co-petitive eco-system starts emerging within the financial sector
Thailand Fintech landscape 2016 special report by techsauce Techsauce Media
Thailand Fintech landscape 2016 by techsauce.co including:
- What is Fintech?
- Fintech in Asia
- Fintech in Thailand
- Collaboration between big enterprises and startups
Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Fintech and Transformation of the Financial Services IndustryRobin Teigland
Slides from our FinTech day as part of the Entrepreneurship & Innovation Concentration in the Stockholm School of Economics Exec MBA program in Stockholm, Sweden.
Acxiom presentation to Forrester Marketing Forum Nov 2009Tim Suther
Acxiom presentation to Forrester Marketing Forum London Nov 2009. Identifies key steps to dramatically improved marketing & advertising. Contains many examples
Tough Times Don’t Last But Tough Competitors Do
Forrester EMEA Marketing Forum
November 18th, 2009
http://www.forrester.com/events/eventdetail/0,9179,2424,00.html?sTab=agenda
Half of all ad spend is wasted. Marketers are under pressure to produce results, often times with fewer resources and greater expectations. Join Tim Suther’s discussion of core principles that transcend macroeconomic condition and enable tough, high-performance marketing and advertising.
Using real-world examples Suther will move the discussion from vision to practical, deployable ideas that demonstrate the utility of these core principles, allowing your message to be heard: the “new black”, data; optimization and the 360 degree view of your consumer; Confluence of insight and media; accountability in execution. This construct enables direct marketing sensibility in your marketing processes and campaigns, creating staying power during the tough times and competitive advantage during the good times.
iDirect is the confluence of digital and direct marketing. It is interactive, information-driven, insightful, innovative and iterative. This presentation highlights the imperative for iDirect and its 4 fundamental tenets.
China Outbound M&A Opportunities- Identifying Attractive Global Consumer BrandsKC Yoon
As the Chinese economy continues to grow, we see an expanding middle-class of Mass-affluent Chinese consumers who are creating demand for consumer brands and services.
1.With the young and limited domestic consumer brand market, significant opportunities exist for foreign consumer brands (esp. luxury and premium foreign brands), consumer technology & services to fill the demand gaps.
2.Chinese brands can learn much from partnerships and ventures with experienced foreign brands as they attempt to go global.
3.China-based PE Funds are also shifting their focus away from investments in domestic market towards more attractive M&A opportunities in foreign brands (seeking capital due to weak domestic markets)
Mapping the remarkable; Julie Anixter & Amy Kingdmadetroit
On November 17th 2011 the Direct Marketing Association of Detroit hosted the return of the Educational Seminar. The committed chaired by association president Alex Della Torre, secured Julie Anixter of Maga Design Group/Managing Editor of InnovationExcellence.com and Amy King Vice President of Marketing Services, Entertainment Publications Inc. whom presented this magnificent topic...Mapping the Remarkable
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
9. ROUGHLY FOUR MILLION
FAMILIES LOST THEIR
HOMES TO FORECLOSURE
BETWEEN THE BEGINNING
OF 2007 AND EARLY 2012.
10. "NO LONGER CAN ANY INDIVIDUAL
NATION COLLAPSE. WORLD
CIVILIZATION WILL DISINTEGRATE AS A
WHOLE. COMPETITORS WHO EVILVE AS
PEERS COLLAPSE IN LIKE MANNER."
- Joseph Tainter
20. Is it possible to weave participatory
and democratic control, social
responsibility, global collaboration,
and exponential technology growth
into a consumer financial system
that changes lives?
33. VALUE CHAINS
Credit Union
Identify and evaluate potential value chains
34. VALUE CHAINS
Credit Union
Identify and evaluate potential value chains
Export
Raw materials: Components: Production:
channels: Marketing &
Natural & Yard & Garment
Trade retail
synthetic fiber fabrics factories
intermediaries
35. VALUE CHAINS
Credit Union
Facilitate connections at each step
Export
Raw materials: Components: Production:
channels: Marketing &
Natural & Yard & Garment
Trade retail
synthetic fiber fabrics factories
intermediaries
36. VALUE CHAINS
Credit Union
Design and provide lending and savings products for each step
Export
Raw materials: Components: Production:
channels: Marketing &
Natural & Yard & Garment
Trade retail
synthetic fiber fabrics factories
intermediaries
37. HAITI MOBILE MONEY and Enterprises (HIFIVE)
INITIATIVE
Haiti Integrated Financing for Value Chains
Bill & Melinda Gates Foundation + WOCCU + Scotiabank + USAid
42. IN THE U.S. THERE ARE MORE PAYDAY LENDERS THAN
STARBUCKS AND MCDONALDS COMBINED
43.
44. Set to grow significantly over the next decade and beyond.
45. PRIZE-LINKED SAVINGS
• $100,000 Grand Prize
• No Risk to Principal
• Year 1: 12,000 New
Accounts, $8.7 Million in
Deposits
• Year 2: 16,000 New
Accounts, $27.9 Million in
Deposits
52. LARGE SCALE COLLABORATION
536 credit unions, $151.9 billion (CAD) in assets
Frees small credit unions up to design for specific needs,
cultures and environmental shifts.
53. LARGE SCALE COLLABORATION
536 credit unions, $151.9 billion (CAD) in assets
40% marketshare in Quebec
54. LARGE SCALE COLLABORATION
536 credit unions, $151.9 billion (CAD) in assets
40% marketshare in Quebec
Compare to fragmented U.S. system with 6% marketshare
57. DEMOCRATIC, PARTICIPATORY
STRUCTURE
Credit unions are cooperatives and fully owned by
their members.
58. “ ...In a country with
no democratic
traditions, the
best way to build
an understanding
of democracy is
to do it first at the
local level.
59. For many people, this is their first direct experience
with democratic decisionmaking and election process.
60. In March 2005, 60% of the membership of the Islamic Investment and
Finance Cooperatives voted to elect volunteer directors to govern the
institutions. Two women were elected to the board of each credit union.