The document provides an overview of the transformation taking place in the lending market. It discusses the large amount of startup activity and funding in lending technologies. While traditional lenders are still dominant, cracks are starting to appear as lending startups adopt new approaches to assessing credit risk and directly connecting borrowers and lenders. The document predicts that alternative credit assessment methods will become mainstream and that banks will be forced to partner with startups to improve customer experience and returns. It also suggests that many phase 2 lending startups are likely to fail or be acquired.
Tracxn Startup Research: Alternative Lending Landscape, September 2016Tracxn
This report covers lending companies which operate through an online platform and use alternative data points for credit scoring. It also covers ecosystem of companies that enable alternative lending.
Mercer Capital's Value Focus: FinTech Industry | Second Half 2016Mercer Capital
Mercer Capital’s newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
The Definitive Guide to Alternative LendingFundera
Banks are "traditional" financing institutions... But what about your other options? Learn more about how alternative lending can help you get the funds you need.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
MDEC Fintech Conference - Keynote: Overview of Fintech in 2016iTrain
Managing Partner of Life.SREDA shares key numbers and trends of the Fintech scene for the first half of 2016.
Watch the keynote on youtube here: https://www.youtube.com/watch?v=u31ILlyAfuM
Slava Solodkiy is one of TOP 35 most influence fintech-persons in the world and TOP 100 fintech leaders in Asia.
Interested to get a fintech idea started but don't know how to start? Then join the FREE MDEC Fintech Masterclass on October 3-4. To enter just tell us about your Fintech idea!
Apply here: bit.ly/fintech-master
More information about the complete Fintech Bootcamp: www.itrain.com.my/fintech-bootcamp/
Tracxn Startup Research: Alternative Lending Landscape, September 2016Tracxn
This report covers lending companies which operate through an online platform and use alternative data points for credit scoring. It also covers ecosystem of companies that enable alternative lending.
Mercer Capital's Value Focus: FinTech Industry | Second Half 2016Mercer Capital
Mercer Capital’s newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF r...Anand Pande
The Fintech Paradox : Accessing the USD 480 billion of untapped SME and SCF revenue banking pools.
The attached thought piece from The Growth Paradigm PARTNERSHIP (GPP) discusses the unfulfilled promise and great potential from the land of Fintechs.
We talk about how Fintechs, both those with business models that look at collaborating with banks and the others that look at disrupting banks by taking their place, are struggling to increase their relevancy and scalability in the global world of trade, supply chain finance and SME lending.
GPP advocates that in order to get a share of the USD 480 billion untapped SME revenue pools , organisations have to get the 4C’s right, which revolve around Credit, Compliance, Capital and Client (acquisition, ease of accessibility and transacting ).
The Definitive Guide to Alternative LendingFundera
Banks are "traditional" financing institutions... But what about your other options? Learn more about how alternative lending can help you get the funds you need.
A primer on the Fintech market in India, with infographics on the market landscape, size and evolution paths. Includes estimates on penetration levels of digital banking and category specific growth expectations.
MDEC Fintech Conference - Keynote: Overview of Fintech in 2016iTrain
Managing Partner of Life.SREDA shares key numbers and trends of the Fintech scene for the first half of 2016.
Watch the keynote on youtube here: https://www.youtube.com/watch?v=u31ILlyAfuM
Slava Solodkiy is one of TOP 35 most influence fintech-persons in the world and TOP 100 fintech leaders in Asia.
Interested to get a fintech idea started but don't know how to start? Then join the FREE MDEC Fintech Masterclass on October 3-4. To enter just tell us about your Fintech idea!
Apply here: bit.ly/fintech-master
More information about the complete Fintech Bootcamp: www.itrain.com.my/fintech-bootcamp/
Summary of findings
2018 VC-backed fintech deals and funding set an annual record: In 2018, - VC-backed fintech companies raised $39.57B across 1,707 deals globally. Deals were up 15% year-over-year while funding surged 120% on the back of 52 mega-rounds ($100M+) worth $24.88B combined.
Fintech is happening on global scale with deals outside of core markets (US, UK, and China) accounting for 39% of deals: Fintech deal hubs are starting to emerge globally. The count of unique fintech startups raising funding topped an annual high of 1,463 companies, and the unique number of investors reached 2,745 boosted by an influx of corporate investors.
Early-stage deals, as a percentage, fell to a 5-year low as investors concentrated bets in perceived winners: Global seed and Series A fintech deals grew 5% on an annual basis in 2018, but fell as a percentage of total deals to 57%. US early-stage deals were flat YOY as investors concentrated their bets in established fintech unicorns.
There are 39 VC-backed fintech unicorns worth a combined $147.37B: Q4'18 saw five new unicorns births (Plaid, Brex, Monzo, DevotedHealth, and Toss) and two in the first month of Q1’19 (N26 and Confluent). The cohort’s total valuation in 2018 was boosted by a record year for megarounds to existing unicorns, including Gusto and Robinhood, among others.
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Mercer Capital's Value Focus: FinTech Industry | First Half 2017Mercer Capital
Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
How to do LendingClub's SWOT Analysis in just 2 minutes? Strengths, Weaknesse...SWOT & PESTLE.com
Check out our latest publication on LendingClub, which is an American peer-to-peer lending company. It has it's headquarteres in San Francisco, California.
Check out the SWOT and PESTLE analysis on LendingClub- https://www.swotandpestle.com/lending-club/
The analysis covers the business strategy of LendingClub.
We appreciate Akshay Mohan's contribution towards this research report.
Follow us @swotandpestle to know more and visit our website - https://www.swotandpestle.com/
NEED HELP WITH YOUR RESEARCH?
Apart from SWOT and PESTLE analysis we also do Value chain analysis, Porter's five forces, BCG Analysis, Segment-Target and Positioning Analysis and other models and analyses to suit customised needs. Place your inquiry here
https://www.swotandpestle.com/solutions/
#LendingClub #SWOTAnalysisLendingClub #PESTLEAnalysisLendingClub #MarketResearchLendingClub #CustomisedResearchLendingClub #StrategyLendingClub #BusinessCasestudyLendingClub #BusinessStrategyLendingClub
#SWOTandPESTLELendingClub #SWOT #PESTLE #ConsultingLendingClub
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.
(Almost) everything you need to know to start in FintechSophie Guibaud
This workshop will provide readers with a global overview of the Fintech world, market dynamics and how London has managed to become a leading Fintech hub. They will learn about the various business models that fall under the Fintech umbrella (Payments, Money transfer, Crowdfunding, Lending, Data & Analytics) and also discuss new banking models that are trying to inspire and shape the bank of the future.
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
Summary of findings
2018 VC-backed fintech deals and funding set an annual record: In 2018, - VC-backed fintech companies raised $39.57B across 1,707 deals globally. Deals were up 15% year-over-year while funding surged 120% on the back of 52 mega-rounds ($100M+) worth $24.88B combined.
Fintech is happening on global scale with deals outside of core markets (US, UK, and China) accounting for 39% of deals: Fintech deal hubs are starting to emerge globally. The count of unique fintech startups raising funding topped an annual high of 1,463 companies, and the unique number of investors reached 2,745 boosted by an influx of corporate investors.
Early-stage deals, as a percentage, fell to a 5-year low as investors concentrated bets in perceived winners: Global seed and Series A fintech deals grew 5% on an annual basis in 2018, but fell as a percentage of total deals to 57%. US early-stage deals were flat YOY as investors concentrated their bets in established fintech unicorns.
There are 39 VC-backed fintech unicorns worth a combined $147.37B: Q4'18 saw five new unicorns births (Plaid, Brex, Monzo, DevotedHealth, and Toss) and two in the first month of Q1’19 (N26 and Confluent). The cohort’s total valuation in 2018 was boosted by a record year for megarounds to existing unicorns, including Gusto and Robinhood, among others.
We are pleased to share our thoughts for Fintech in 2018 trying to cover AI to Insurance to ICOs. We hope you find them useful and feel free to share you're thoughts with us as well.
Mercer Capital's Value Focus: FinTech Industry | First Half 2017Mercer Capital
Mercer Capital’s quarterly newsletter, FinTech Watch, provides an overview of the FinTech industry, including public market performance, valuation multiples for public FinTech companies, and articles of interest from around the web. This newsletter focuses on FinTech segments, including payment processors, technology, and solutions companies, examining general economic and industry trends as well as a summary of M&A and venture capital activity.
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
From account opening to insurance underwriting to payments to peer-to-peer lending, FinTechs are innovating across areas and offering differentiated customer experience. India Fintech Ecosystem has been growing well over the last five years and many of these successful startups are now getting ready for international rollouts.
www.thedigitalfifth.com
How to do LendingClub's SWOT Analysis in just 2 minutes? Strengths, Weaknesse...SWOT & PESTLE.com
Check out our latest publication on LendingClub, which is an American peer-to-peer lending company. It has it's headquarteres in San Francisco, California.
Check out the SWOT and PESTLE analysis on LendingClub- https://www.swotandpestle.com/lending-club/
The analysis covers the business strategy of LendingClub.
We appreciate Akshay Mohan's contribution towards this research report.
Follow us @swotandpestle to know more and visit our website - https://www.swotandpestle.com/
NEED HELP WITH YOUR RESEARCH?
Apart from SWOT and PESTLE analysis we also do Value chain analysis, Porter's five forces, BCG Analysis, Segment-Target and Positioning Analysis and other models and analyses to suit customised needs. Place your inquiry here
https://www.swotandpestle.com/solutions/
#LendingClub #SWOTAnalysisLendingClub #PESTLEAnalysisLendingClub #MarketResearchLendingClub #CustomisedResearchLendingClub #StrategyLendingClub #BusinessCasestudyLendingClub #BusinessStrategyLendingClub
#SWOTandPESTLELendingClub #SWOT #PESTLE #ConsultingLendingClub
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.
(Almost) everything you need to know to start in FintechSophie Guibaud
This workshop will provide readers with a global overview of the Fintech world, market dynamics and how London has managed to become a leading Fintech hub. They will learn about the various business models that fall under the Fintech umbrella (Payments, Money transfer, Crowdfunding, Lending, Data & Analytics) and also discuss new banking models that are trying to inspire and shape the bank of the future.
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
Credit Summit 2015 - Nostrum Group presentation by Richard Sunman, Head of Commercial, 26-3-15
An overview of the impact on the lending industry of the advent of digital finance.
Starting today, you can lend online to consumers and businesses. You can reach more customers, and better qualify them. Increase your ROI by lowering your cost of lending more than 50% and increase your revenue per customer more than 25%.
Be where your customers are, when they want you. It’s a new day in banking. Digital lending is here.
That’s banking without walls.
Overview of two sided market concepts. It shows some examples and characteristics of a two-sided market. By using this paradigm you can create a lean business canvas for different types of business models
Marketplace Lending Keynote Luxembourg School of Finance Mark Bell
Marketplace lending as rapidly emerged and grown. Is it a new asset class or a technology front end? The Fintech Forum at the University of Luxembourg's School of Finance keynote explores some of the major ideas and these
This presentation is about the use of technology and innovative business models in financial services. It was presented at a conference entitled "Disruptive Innovations in Financial Services" sponsored by the Institute for Financial Services Analytics (IFSA) in the Lerner College of Business and Economics at the University of Delaware on March 3, 2016.
The digital native DNA of NeoBanks epitomizes a paradigm shift in the financial sector, heralding an era of innovation, efficiency, and customer empowerment. With their technological prowess, rigorous security measures, and relentless pursuit of customer-centricity, NeoBanks are poised to revolutionize the banking landscape, paving the way for a future where traditional banking is reimagined and transformed into a seamlessly integrated, digitally-driven ecosystem.
Szilágyi Péter - Disintermediaton a pénzügyi szektorban. Régi versus új mediá...FinTechAkademia
Mit jelent valójában a disintermediation a pénzügyi szolgáltatások piacán? Mely országokban történt eddig a legjelentősebb változás? Kik az új szereplők, vagy melyek az új szerepek? Mi lett/lesz a hagyományos közvetítőkkel, szereplőkkel? Milyen szerepet játszanak a technológia és a fintech startup-ok a disintermediation folyamatában? Mi várható 5-10 éven belül a disintermediation eredményeként? Ezekre a kérdésekre keresi a válaszokat Szilágyi Péter a CEU docense.
ExtraFunds is a proven servicer in the short-term online lending marketplace. ExtraFunds is currently seeking to expand its operations by raising capital via Crowdfunder. For more details about the offering, visit www.crowdfunder.com/extrafunds.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
Our event on 2 March for SMEs interested in finding out about the creation and protection of IP, cashflow finance and/or broadening access to alternative sources of funding.
It was aimed at digital and technology businesses, and as well as an overview of the opportunities for SMEs in the sector, expert colleagues from Metis Partners (intellectual property specialists), Jumpstart (specialists in R&D tax credits) and the Lending Crowd (insights on crowdfunding). The session was a short, sharp, non-technical guide for businesses to consider some potentially new approaches to practical aspects of successful innovation.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Buy Verified PayPal Account | Buy Google 5 Star Reviewsusawebmarket
Buy Verified PayPal Account
Looking to buy verified PayPal accounts? Discover 7 expert tips for safely purchasing a verified PayPal account in 2024. Ensure security and reliability for your transactions.
PayPal Services Features-
🟢 Email Access
🟢 Bank Added
🟢 Card Verified
🟢 Full SSN Provided
🟢 Phone Number Access
🟢 Driving License Copy
🟢 Fasted Delivery
Client Satisfaction is Our First priority. Our services is very appropriate to buy. We assume that the first-rate way to purchase our offerings is to order on the website. If you have any worry in our cooperation usually You can order us on Skype or Telegram.
24/7 Hours Reply/Please Contact
usawebmarketEmail: support@usawebmarket.com
Skype: usawebmarket
Telegram: @usawebmarket
WhatsApp: +1(218) 203-5951
USA WEB MARKET is the Best Verified PayPal, Payoneer, Cash App, Skrill, Neteller, Stripe Account and SEO, SMM Service provider.100%Satisfection granted.100% replacement Granted.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
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.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
The effects of customers service quality and online reviews on customer loyal...
The Transformation Underway in FinTech Lending
1. SPOTLIGHT ON LENDING
Dushyant Shahrawat, CFA
Perspectives and Analysis of
the Transformation Taking
Place in the Lending Market
“Ain’t your Grandpa’s business anymore”
2. Salient Points About the State of Lending Innovation
1. Startup Activity, VC Funding: The red-hot startup activity and VC funding in Lending seems
to be slowing down, but we have 800 Lending startups with $9.7B capital deployed
2. Disruption of Traditional Lenders: News of the demise of traditional bank lenders is
vastly exaggerated, but cracks are appearing: spreads declining, loan portfolios
deteriorating, risk profiles rising
3. Bank/Startup Competition: Lending startups mistakenly believe they outcompete banks
on all fronts. Instead, the sole advantages are in customer experience and origination
4. Shakeout Among Startups Imminent: Phase 1 of Lending startup growth holds the most
promise for the long-term, with Phase 2 startups bound to struggle, or simply fail
5. Most Powerful Innovation: The use of alternate criterion for assessing credit risk and to
originate loans (aka “Alt Lending”), will transform lending by better matching borrower
requirements with funding risk appetite
6. P2P Marketplaces: This is the biggest transformation in lending as it directly connects
borrowers & lenders, a significant improvement over the traditional bank-intermediated
lender model
4. Lending Startup Activity Has Been Red Hot Since 2014, With 400
Firms Launched And $6B Of Capital Deployed
$9.5B Cumulative VC funding of alternate
Lending since 2010
$4.95B Amount raised in 2015 alone!
$1B SoftBank’s funding round to SoFi, the
single largest FinTech funding
800+ Number of Lending Startups funded since
2005, with 1/2 funded in 2014/2015
$1.5B Funds raised in LendingClub’s IPO in Dec
2014
7 Number of Lending Unicorns (valuations
of over $1bill)
The 7 Lending Unicorns are: Avant,
Credit Karma, Funding Circle,
Kabbage, Klarna, Prosper, SoFi
Consumer Lending is biggest sector:
• Personal Loans (166 firms, $2B
funding)
• Education (33 firms, $1.7B funding)
Average funding per startup is highest
for B2C models at $54M
5. VC Funding More Than Doubled in 2015, From 2014
“Funding Circle Raises $65 Million for Peer-to-Peer Small Business Loans”
“Loan Platform Kabbage Raises $135M at a $1B Valuation, Grows Credit Line to $900M”
“Fundbox Secures $50 Million in Funding, With Investment by Jeff Bezos”
“Square Raises More Money To Make Small Business Loans”
Source: Dow Jones VentureSource
6. Investor Base in Lending Startups is Broadening with Corporates,
VCs, Exchanges and Banks Involved in Funding
Its not just Angels and VCs investing in Lending startups; there are Banks,
Corporates, Payment Networks and even Exchanges providing Funding
Source: CBInsights
7. Lending Startups Dominate the FinTech Unicorn List (5 of 15)
7
FIRM TYPE OF BUSINESS INVESTORS
VALUATION
($M)
INVESTED
CAPITAL ($M)
VAL/INV
CAP
Lufax Lending, Specialized Financing
CDH Investments, China International Capital Corporation, BlackPine
Private Equity Partners, Ping An Insurance $10,000 $485 20.6x
Square POS devices, Financing platform First Round Capital, Citi Ventures, GGV Capital $6,000 $717 8.4x
xStripe Payments platform Khosla Ventures, Lowercase Capital, Redpoint Venture $5,000 $190 26.3x
Zenefits HR platform SV Angel, Institutional Venture Partners, Venrock $4,500 $584 7.7x
Social Finance Marketplace lender, Student loan refinancing
Baseline Ventures, Doll Capital Management, Institutional Venture
Partners $4,000 $1,540 2.6x
Credit Karma Consumer credit management service Felicis Ventures, SV Angel, Founders Fund $3,500 $369 9.5x
POWA
Technologies Provides payments/infrastructure technology Bright Station Ventures, Wellington Management $2,700 $177 15.3x
Adyen Payment transaction platform Felicis Ventures, Index Ventures, Temasek Holdings $2,300 $266 8.6x
Klarna Helps retailers process payments Institutional Venture Partners, Sequoia Capital, General Atlantic $2,250 $289 7.8x
One97 Comm Mobile wallet, online marketplace Intel Capital, Sapphire Ventures, Alibaba Group $2,000 $585 3.4x
Prosper P2P lending marketplace Accel Partners, DAG Ventures, Draper Fisher Jurvetson $1,900 $355 5.4x
Transferwise Money transfer service IA Ventures, Index Ventures, SV Angel $1,000 $90 11.1x
China Rapid
Finance Online consumer loan marketplace Broadline Capital, UBS $1,000 $35 28.6x
Coupa Software Cloud-based business automation provider Battery Ventures, Iconiq Capital, T. Rowe Price $1,000 $169 5.9x
Funding Circle Lending platform for small-businesses Accel Partners, Index Ventures, Ribbit Capital $1,000 $273 3.7x
$48,150 $6,124 7.9x
Lufax, SoFi, Prosper, China Rapid Finance and Funding Circle are valued at over
$1B• Largest Unicorn is in the Lending space, and is valued 66% higher than the next Unicorn
• Three lending Unicorns are US, two are Chinese
8. Chinese Lending Startups Have a Much Greater Valuation Than US
Lenders, and Much Higher Than Other FinTech Unicorns
8
The average Lending startup has a valuation of 12.9x compared to 7.9x for the
average FinTech Unicorn. But the Chinese startups drive up this valuation
Firm Type of Lender Investors
Market
Valuation ($M)
Invested
Capital ($M) Multiple*
Lufax
Lending, Specialized
Financing
CDH Investments, China Capital
BlackPine Private Equity, Ping An $10,000 $485 20.6x
Social
Finance
Marketplace lender,
Student loan
Baseline Ventures, Doll Capital,
Institutional Venture Partners $4,000 $1,540 2.6x
Prosper P2P lending
Accel Partners, DAG Ventures,
Fisher Jurvetson $1,900 $355 5.4x
China Rapid
Finance
Online consumer loan
marketplace Broadline Capital, UBS $1,000 $35 28.6x
Funding
Circle
Lending platform for
small-businesses
Accel Partners, Index Ventures,
Capital $1,000 $273 3.7x
Average FinTech Valuation 7.9x
*Multiple is calculated as [Market Valuation / Invested Capital]; i.e. what premium the market is willing
to pay to acquire a startup over its invested capital
Source: CBInsights, Individual Firm Data, Venture Sources
10. There Are Four Models In Alternative Lending, With Marketplaces
Being The Most Transformative
• Direct Lender: Firms with a lending license that carry loans on their own books
• B2C: Platforms that partner with a single lender for loan origination
• B2C Marketplace: Platforms that have multiple lenders (Financial Institutions, Accredited
investors) for loan origination
• P2P Marketplace : Platforms with multiple lenders including non-accredited individual investors
Source: Tracxn, Media Sources, WSJ
11. Lending Startups Play In A Larger Ecosystem That Includes
Payment Networks, Aggregators And Invoicers
Source: Oliver Wyman
12. We Are In the Middle of a 12-15 Year Transformation of the
Lending Market
EARLY STAGE GROWTH MATURITY
2008-2011 2012-2016 2017-2020
Stricter capital
requirements force banks
to restrict lending
Some segments of
borrowers go neglected,
and their needs unmet
First sign of
investment interest
emerge
Traditional banks
dominate as lenders
Lending startups begin
emerging in 2012
Investment funding
explodes in Lending sector
during 2014-2015
Startups begin using
alternative methods to assess
risk (Alt Lending emerges)
Traditional banking lenders
begin paying attention to
lending startups
15 Lending startups
achieve Unicorn status
($1B valuation)
Banks acquire many
startups and bolt-on new
front-ends to their back-
end platforms
Shakeout among startups;
50% shutter, 20% sell-out
Big improvement in customer
satisfaction among savers
and borrowers
14. 1. Of The Three Phases In The Growth Of Lending Startups, Phase 1
Startups Are Best Positioned To Succeed In The Long-term
PHASE 1 (firms started in 2010-2013): Real innovators with a high chance of long-
term success
PHASE 2 (firms started in 2013-2015): “Me Too” startups excited by Phase 1’s
success, but most bound to fail
PHASE 3 (firms started after 2015): Still in early stages of innovation, with high
hopes for another phase of growth
15. 2. By 2017, Lending Startups Will Begin to Exert Real Competitive
Pressure on Traditional Lenders
Source: WEF Report: “The Future of
Financial Services”
Alt Lenders have distinct competitive advantages over traditional Lenders that
are becoming evident every day
More Accurate Underwriting
The modern approaches for
underwriting and assessing
credit risk used by startup
lenders will be adopted more
widely by traditional lenders
Increased Access
Alt Lenders are providing more
lending options to a broader
range of borrowers, who are
currently being neglected by
traditional lenders
Control & Transparency
Lenders will gain greater
control over the return on
savings based on their risk
appetite and more visibility into
the flow of their savings
Reduced Costs for Borrowers/
Increased Returns for Savers
Better risk management use by Alt
lenders reduces the costs for
borrowers, and enhances returns for
savers
Significantly Better Customer
Experience
Streamlined and automated
processes expedite loan
processing and improve customer
experience for borrowers
16. 3. Alternative Measures Used by Innovators to Assess Credit Will Go
Mainstream, as Banks Rush to Adopt Them
Conventional
Credit Scoring
Limitations of
Traditional
Models
Need for
Alternative
Methods
Forms of
Alternate Credit
Scoring
Uses existing
financial/credit info
to assess credit risk
Ignores people with
limited credit history
(new immigrants,
international
students)
Include ignored
customer segments,
improve risk
assessment and
better matching of
borrowers/lenders
Use of Social media
info, utility bill
payments,
employment
information
Firms driving usage of Alternative measures to assess credit risk in Lending market
Source: Tracxn “Alt Lending Report”, Firm analysis, Public filings
17. 4. Lending Startups Think They Can Compete with Banks On All
Fronts. They Are MISTAKEN!
Funding
Costs
Credit
Decisioning
Customer
Acquisition
Servicing/
Customer Experience
BANKS
LENDING
FINTECHS
How Banks Stack Up Versus Startups in Differentiating Their Services
18. 5. Advice to Banks: Change Your Incentive Structure for Lending
Sales teams If You Want to Truly Compete With Startups
If a Bank’s Loan Department Grows its Loan
Portfolio by 50% in 3 years…
The Department Head Gets Promoted and
the staff gets a bonus of 10-15%
If a Lending Startup Grows its Loan Portfolio
by 50% in 3 years…
The Valuation of the startup skyrockets,
enough for the Founders and key employees
to hang up their boots and retire!
Incentives at traditional banks are woefully inadequate to drive lending growth,
and definitely trail what Lending startups are doing to drive growth
19. 6. Banks Will be Forced to Partner with Startups to Improve
Customer Experience, Adopt Alternative Credit Methods and Boost
Returns
Source: Oliver Wyman Report:
“Battle for Supremacy in Lending”
”JP Morgan Chase Bank announces strategic partnership to use OnDeck’s platform for small business loans”
Select Bank/Startup Partnerships in the Lending Market
Describe what major financial firms are doing: their investments, their projects
Important influential people (Blythe Masters) that have bet their career on it
Use dollars invested by firms like Goldman, quotes from people, etc to make the point
Block chain is the next phase in evolution of the Internet, and those things take time.
It will be 10 years before this sees the light of day.
5 Phases of Growth: Dismissive, Curious, Incredibly excited, Understood, Harsh Realization.