CommerzVentures' white paper on InsuranceTechCommerzVentures
This research paper by CommerzVentures explores the five technologies that are going to transform the $4tn insurance industry: connected devices, artificial intelligence, drones, blockchain and new payment systems.
Fintech M&A: From threat to opportunityWhite & Case
Fintech has evolved from being a disruptive threat to a major
opportunity for financial institutions. The possibilities for
dealmaking and M&A are almost limitless.
Redefining Growth Through Engagement DesignAlchemy Crew
This presentation has for purpose to provide Tech leaders, Investors, Established innovators with an overview on The Proposition Circle's approach to redefining and delivering unique customer engagements in highly disrupted and competitive markets.
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.
InsureNXT-Unicorn session_Final 21 April 2021.pdfAlchemy Crew
These slides aim to share within our community the great achievements from unicorns.
The challenges to get there and the opportunities within our insurance world.
CommerzVentures' white paper on InsuranceTechCommerzVentures
This research paper by CommerzVentures explores the five technologies that are going to transform the $4tn insurance industry: connected devices, artificial intelligence, drones, blockchain and new payment systems.
Fintech M&A: From threat to opportunityWhite & Case
Fintech has evolved from being a disruptive threat to a major
opportunity for financial institutions. The possibilities for
dealmaking and M&A are almost limitless.
Redefining Growth Through Engagement DesignAlchemy Crew
This presentation has for purpose to provide Tech leaders, Investors, Established innovators with an overview on The Proposition Circle's approach to redefining and delivering unique customer engagements in highly disrupted and competitive markets.
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.
InsureNXT-Unicorn session_Final 21 April 2021.pdfAlchemy Crew
These slides aim to share within our community the great achievements from unicorns.
The challenges to get there and the opportunities within our insurance world.
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.
Event: "#FinTech in Asia" - Slide Deck 2nd of February 2015CFTE
Slides used during the "FinTech in Asia" event organised by FinTech Circle and Hosted by Morrison & Foerster. Held in London on the 2nd of February 2015
A look inside the top 4 trends driving the FinTech industry today. How technology is impacting financial services and how they can benefit from advanced data analysis. Presented by Peter Huang, Director of Data at Beyondsoft.
Tracxn Research — Insurance Tech Landscape, October 2016Tracxn
Our insurance tech report features an exhaustive Q&A with Patrick Kershaw and John Massey, Managing Partners at Leo Tech, and Andrea Traversone, Partner at Amadeus Capital Partners, who share their perspectives on market trends, investment outlook, areas of disruption, and more.
Opening Presentation - Sthlm Fintech Week 2019- How to work together?MichalGromek
An anticipated solution to connect traditional financial players with Startups using a non-for profit solution called: InnoBridge.Tech - presented at the #SthlmFintechWeek -
#SthlmFinTech #InnoBridge
Diving deep into literally millions of interactions and conversations with different networks such as Facebook, Twitter and Instagram, blogs, forums and news sites in order to bring you analytical info about how social media affects different sectors like:Sharing Economy, Banking and Finance, Ecommerce, Telecom and Fintech.
CB Insights Global Fintech Report Q3 2019Jeff Martinez
Q3’19 fintech funding topped $8.9B, a quarterly record when adjusting for Ant Financial’s $14B investment in Q2’ As of Q3, fintech has raised $24.6B in 2019, already surpassing 2017’s annual total. Funding grew on the back of 19 $100M+ rounds worth approximately $4B in Q3’19.
Deals rebounded slightly in Q3’19 but are likely to fall short of 2018’s record as a result of a continued pullback in early stage investing: Fintech deals in Q3’19 grew 6% from Q2'19, but they have dropped in every quarter in 2019 when compared to the same time frame last year. Early stage (seed/angel and Series A) deals fell to an 11 quarter low and funding hit a 7 quarter low.
The US saw deals dip to an 11 quarter low while Asia saw deals spike and nearly surpass the US in Q3’19: The US saw deals dip as a result of a pull back in early stage deals, which also contributed to the overall drop in 2019 global deals through Q3’19. Asia saw deals rebound as China reclaimed the
lead from India as Asia’s top deal hub.
Southeast Asia fintech topped new annual highs: Southeast Asia set a new annual record with $701M raised across 87 deals through Q3’19 . The top 2 deals since 2015 occurred in 2019: a $100M Series B to Singapore based Deserka and a $100M Series C to Vietnam based MoMo.
India and China continued to battle over the title of Asia’s top fintech hub in Q3’19: China saw deals surge to 55 in the quarter, reclaiming the lead from India with 33 deals. India saw $674M in funding, narrowly pulling ahead of China’s $661M.
Challenger banks have raised over $3B in 2019 YTD and Q3’19 saw $1.3B invested a quarterly funding high: Q3’19 saw challenger banks funding bolstered by rounds to unicorns, including NuBank’s $400M Series F, which was the largest reported equity investment to a challenger bank and made
NuBank the highest valued challenger at $10B. Startup focused challenger banks saw competition heat up with deals to Ramp Financial, Mercury, and Stripe, which launched card issuing.
There are 58 VC backed fintech unicorns worth a combined $213.5B: Q3’19 saw 6 new fintech unicorn births (Hippo, Judo, Deposit Solutions, QuintoAndar, Dave , and C2FO), and 3 more have occurred in Q4’19 as of 11/11/19 (Next Insurance, Ebanx , and Riskified ). Other highly valued unicorns continued to raise late stage capital, including NuBank, Gusto, and Stripe, among others, but none signaled an IPO was imminent.
Tracxn Insurance Tech Landscape June 2016 ReportTracxn
Business models like Internet first insurers, enablers, distribution platforms, and P2P insurance, all have seen an uptick in number of companies founded.
Extended keynote presentation during the SvD Insurance Summit in StockholmMichalGromek
Presented during the Svenska Dagbladet (SvD), Insurance Summit by October 2018. TRENDSPANING
The future Insurance landscape – best cooperation practices between Startups and Insurance companies
• The pathway towards InsurTech - how we got here
• The landscape of Swedish InsurTech
• What customers want: 8 key developments within innovative insurance companies
• Examples of the best practices from the Swedish InsurTech scene
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.
Event: "#FinTech in Asia" - Slide Deck 2nd of February 2015CFTE
Slides used during the "FinTech in Asia" event organised by FinTech Circle and Hosted by Morrison & Foerster. Held in London on the 2nd of February 2015
A look inside the top 4 trends driving the FinTech industry today. How technology is impacting financial services and how they can benefit from advanced data analysis. Presented by Peter Huang, Director of Data at Beyondsoft.
Tracxn Research — Insurance Tech Landscape, October 2016Tracxn
Our insurance tech report features an exhaustive Q&A with Patrick Kershaw and John Massey, Managing Partners at Leo Tech, and Andrea Traversone, Partner at Amadeus Capital Partners, who share their perspectives on market trends, investment outlook, areas of disruption, and more.
Opening Presentation - Sthlm Fintech Week 2019- How to work together?MichalGromek
An anticipated solution to connect traditional financial players with Startups using a non-for profit solution called: InnoBridge.Tech - presented at the #SthlmFintechWeek -
#SthlmFinTech #InnoBridge
Diving deep into literally millions of interactions and conversations with different networks such as Facebook, Twitter and Instagram, blogs, forums and news sites in order to bring you analytical info about how social media affects different sectors like:Sharing Economy, Banking and Finance, Ecommerce, Telecom and Fintech.
CB Insights Global Fintech Report Q3 2019Jeff Martinez
Q3’19 fintech funding topped $8.9B, a quarterly record when adjusting for Ant Financial’s $14B investment in Q2’ As of Q3, fintech has raised $24.6B in 2019, already surpassing 2017’s annual total. Funding grew on the back of 19 $100M+ rounds worth approximately $4B in Q3’19.
Deals rebounded slightly in Q3’19 but are likely to fall short of 2018’s record as a result of a continued pullback in early stage investing: Fintech deals in Q3’19 grew 6% from Q2'19, but they have dropped in every quarter in 2019 when compared to the same time frame last year. Early stage (seed/angel and Series A) deals fell to an 11 quarter low and funding hit a 7 quarter low.
The US saw deals dip to an 11 quarter low while Asia saw deals spike and nearly surpass the US in Q3’19: The US saw deals dip as a result of a pull back in early stage deals, which also contributed to the overall drop in 2019 global deals through Q3’19. Asia saw deals rebound as China reclaimed the
lead from India as Asia’s top deal hub.
Southeast Asia fintech topped new annual highs: Southeast Asia set a new annual record with $701M raised across 87 deals through Q3’19 . The top 2 deals since 2015 occurred in 2019: a $100M Series B to Singapore based Deserka and a $100M Series C to Vietnam based MoMo.
India and China continued to battle over the title of Asia’s top fintech hub in Q3’19: China saw deals surge to 55 in the quarter, reclaiming the lead from India with 33 deals. India saw $674M in funding, narrowly pulling ahead of China’s $661M.
Challenger banks have raised over $3B in 2019 YTD and Q3’19 saw $1.3B invested a quarterly funding high: Q3’19 saw challenger banks funding bolstered by rounds to unicorns, including NuBank’s $400M Series F, which was the largest reported equity investment to a challenger bank and made
NuBank the highest valued challenger at $10B. Startup focused challenger banks saw competition heat up with deals to Ramp Financial, Mercury, and Stripe, which launched card issuing.
There are 58 VC backed fintech unicorns worth a combined $213.5B: Q3’19 saw 6 new fintech unicorn births (Hippo, Judo, Deposit Solutions, QuintoAndar, Dave , and C2FO), and 3 more have occurred in Q4’19 as of 11/11/19 (Next Insurance, Ebanx , and Riskified ). Other highly valued unicorns continued to raise late stage capital, including NuBank, Gusto, and Stripe, among others, but none signaled an IPO was imminent.
Tracxn Insurance Tech Landscape June 2016 ReportTracxn
Business models like Internet first insurers, enablers, distribution platforms, and P2P insurance, all have seen an uptick in number of companies founded.
Extended keynote presentation during the SvD Insurance Summit in StockholmMichalGromek
Presented during the Svenska Dagbladet (SvD), Insurance Summit by October 2018. TRENDSPANING
The future Insurance landscape – best cooperation practices between Startups and Insurance companies
• The pathway towards InsurTech - how we got here
• The landscape of Swedish InsurTech
• What customers want: 8 key developments within innovative insurance companies
• Examples of the best practices from the Swedish InsurTech scene
Be Digital or Die - Big Data in Financial ServicesFintricity
Leveraging Big Data, disruptive technologies (such as Blockchain) and new business models to digitally transform financial services companies. Presented by Alpesh Doshi at the Big Data Innovation Summit in San Francisco 2016.
Keynote: why are Innovations critical for Banks & Insurances?
A perspective on the Financial Services industry: the amount of changes will only accelerate.
- Exponential technologies are driving change; convergence of several disciplines from software to devices to biotech
- Our expectations as consumers are set by our online experience from services such as Facebook, Google or Amazon
- Disruption pattern: startups put themselves in-between the customer and the company
(i.e. check24)
- Industry changes leading to further FinTech & InsureTech investments
- Margin pressure: banks & insurrance by the lowest interest rates we have seen in 2.000 years
- User Experience is driving value in a new way – and most startups understand customer-centricity
- Banks & Insurance companies are under pressure because their offering is fundamentally undifferentiated
- Regulators are opening up: i.e. PSD II forces the banks to open up their data; full disclosure of insurance commissions will arrive soon
- Customers don’t want to be ‘told’ anymore: they don’t come to branches anymore - buy how can advice as the key point of sales be digitized?
Banks need to build up digital capabilities based on 5 pillars plus 1 enabling capability:
(1) DATA-DRIVEN DIGITAL INSIGHTS
- Data-driven segmentation & Value Proposition Design
- 360° single customer view
- Customer Experience excellence
- Comprehensive data ecosystem, including 3rd party APIs
(2) CUSTOMER EXPERIENCE EXCELLENCE
- Customer-centric experience design & processes
- Omni-channel experience delivery
- Journey consistent front-to-back, end2end
- Clear brand positioning & brand amplified by a purpose
(3) DIGITAL MARKETING
- Data-driven, real-time segmentation & cohort analysis
- Data-driven customer- life-cycle management
- Targeted digital (performance) marketing
(4) DIGITALLY ENABLED OPERATIONS
- Operations are designed to support customer journeys
- Streamlined and automated fulfillment processes
- Digitized sales and service interactions
(5) SMART TECHNOLOGY SETUP
- Scalable application architecture
- Flexible IT architecture (i.e. SOA) with clear messaging
- Flexible IT infrastructure
(6) DIGITAL ENABLERS
- Digital Talent Management
- Value-driven Organisation & governance
- Test-and-learn culture
We feel honoured McKinsey copied this model in the following article:
Cutting through the noise around financial technology, Feb 2016: http://bit.ly/1Rtz0AF
How FinTech is changing the Regulatory Environment: Compliance Keynote at Nextaccenture
Regulators around the world are recognizing the massive impact that fintech is having on the financial services industry and many are taking new approaches for both traditional institutions and new technology-based players.
Learn more and view the Compliance Keynote presentation given at Next Money Chicago, Sept. 27, 2017.
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.
20 most innovative companies in Fintech IndustrySumit Roy
Global fintech financing has more than trebled in the past three years to an estimated US$3 billion annually and the level of innovation in the financial services sector has been unprecedented over the past 12 months. The level of spend and intensity of focus will – and already has – led to the development and release of products and solutions that will change the way customers view and interact with their financial services
2016 predicted to be breakout year for blockchain technology in corporate banking
New research from Mercator Advisory Group examines activity in blockchain technology and use cases for corporate banking expected to be piloted in 2016
Insights Success has shortlisted “The 20 Most Innovative FinTech Solution Providers 2018.” Our Cover Story features Advisor Software, Inc., which simplifies the process by bringing tried and tested functionality to the systems you already use. ASI focuses on advancing the science of wealth planning so financial advisors can focus on the art of advice delivery.
Slides from August 2015 webinar on the relevance of Fintech strategy for Broker Dealer firms. Webinar covered why Broker Dealer incumbents need a FinTech Strategy to survive industry disruption and how to create one
Digitizing the Business Cash Cycle: Advancements and Partnershipsmercatoradvisory
Businesses around the globe are slowly but surely transforming from operations with expensive and business-limiting manual processes to digitally connected enterprises, according to a new research report from Mercator Advisory Group. Banks and technology vendors are helping them to achieve this by providing the latest-generation technologies. This “digitalization” is not occurring at the speed at which technology is advancing, for a number of reasons. However, with a growth environment expected and inevitable rising rates, along with competitive pressures related to the interconnected world, working capital effectiveness will become a primary focus and drive faster adoption of business cash cycle technology, from procurement through financial reconciliation.
In a new research report, Digitizing the Business Cash Cycle: Advancements and Partnerships, Mercator Advisory Group discusses the latest technology solutions supporting the procure-to-pay space and methods for connecting the various tools continually being added. Procurement, e-invoicing, payments, and alternative financing are being digitized and integrated for optimal performance in managing working capital. The report explains why this is a critical need as companies move further into the era of a high-tech, global economy.
Nordic Legaltech - Digital Asset Panel MichalGromek
Time to Regulate Digital Assets? Panel presented during the Nordic LegTech Days on October 6th in Stockholm
Presented: Alexandra, Associate professor in corporate law and technology at Copenhagen University
Michal, Chief Compliance Officer at Safello
Ebba, CFO at Chromaway Åke André, founder of Crypto Rogue Games with Ulf Linden of Legalworks Nordic AB
Launch of the TackTeck Mentorship Program for Ukrainians in SwedenMichalGromek
Arriving in a new country always requires a reorientation. TackTech Ukraina is an apolitical association designed to assist in arriving members of the Ukrainian Tech Community in Sweden.
The project's structure has been based on Waza.nu, a network for Polish innovators and entrepreneurs in Sweden.
The association structure is based on best practices from trilateral experience and the triumphant assistance of Ukrainian members of the high-tech community who had to relocate to Sweden after February 24th, 2022.
After a successful launch of multiple meetups, TackTech.se is delighted to release that one-on-one cooperation with individuals who can assist in the process of discovering Sweden's cultural and business codes and is willing to exchange their experience with the new arrival from Ukraine.
This mentorship program has been specifically designed to empower and support Ukrainian specialists in the tech industry. We aim to create a beneficial and impactful experience for anyone participating in the program, be it a mentor or mentee. Our goal is to match them in between according to mentees' needs and mentors' expertise.
Public document: Regulation proposal for Crypto-Assets MichalGromek
Regulation of the European Parliament and of the Council on Markets in Crypto-Assets and amending Directive (EU) 2019/1937 COM(2020) 593/3 2020/0265 (COD). Featuring: Advisory, Custodianship, Stable Tokens, Cryptocurrency Brokerage, Creation of Digital Currency and Cryptocurrencies.
The Future Fintech Landscape and Its impact on Cash Management and Treasury. MichalGromek
Presented at the Nordic Cash & Treasury Management 2019, while focusing on upcoming challenges and advantages of Fintech innovation that might potentially change the way we work forever.
Opening of the Insurtech track at the Stockholm Fintech Week, a summary of the initial findings of the Nordic Insurtech Review, its problems in the ecosystem in the cooperation between traditional financial providers and startups and potential next steps in the form of InnoBridge.tech a none for profit that might create 'innovation call' and incorporate new solutions into traditional financial providers and their core systems.
The Guide to Start funding presented during MBA executive session at the Stockholm School of Economics Executive Education in February 2019. It features different types of Crowdfunding, ICO, tips and tricks for speaking to both Angels, VCs and other investors. Please use the links on different slides to connect to additional material.
First Nordic Insurtech Review - Work In Progress MichalGromek
As discussed at the Insurtech panel during the #SthlmFintechWeek please be so kind as to review if your company has been placed into the correct segment. There is a possibility to place the logo of a company into multiple 'segments' Please use the email address specified in the document for comments and questions. We will close this section of the review by February 18th, 10 AM (CET) 2019
Work in progress - First Nordic Insurtech review v. 1.62MichalGromek
This is a preview of the first Nordic Insurtechs Review, that might be released during the Sthlm Fintech Week. Please review if we might be missing any Nordic Insurtech companies to fit the description listed in the document.
Feel free to join us at the Sthlm Fintech Week. Send or new companies to feedback to research@innobridge.tech by February 7th
We kindly refrain you from using this draft, as is represents work in progress and might be incomplete.
Pilot Session - Executive Education for FinTech Startups MichalGromek
On March 16th together with the FinTech Hub in Stockholm we have launched a pilot training on executive education in FinTech with the focus on hands-on solutions for Fintech companies.
Stockholm FinTech Report 2018 - updated versionMichalGromek
An examination on 248 pages of our Regional Digital FinTech Ecosystem, its investments, trends and review of 3069 LinkedIn profiles - by Stockholm School of Economics launched today at the Fintech Hub. See the link to the full report here https://www.hhs.se/en/about-us/news/2018/report-launch--highly-educated-talent-pool-fuels-fintech-in-stockholm
Introduction to Online Marketing for early-stage Startup Ventures MichalGromek
Introduction to SEO, SEM, Affiliate Marketing, terms like CPM, CTC, CPC, CPE and Programmatic. Explanation of terms like retention, conversation, explanation of partnership models in Affiliate Marketing and their networks.
Insurtech and RegTech - drivers, taxonomy, companies in Sweden and beyondMichalGromek
Preliminary findings from the upcoming report about Insurtech and RegTech presented at the Future of banking conference, Finextra in Stockholm on November 16th 2017, performed together with Magnus Krusberg from PIA consulting
Design Thinking Workshop NLA November 2017MichalGromek
The workshop was held at NLA University College is the third largest private university college in Norway in November 2017. It incorporates different innovation strategies like blue ocean, design thinking and little bets. It finishes with a design thinking workshop based on Standford Design Thinking Crash Course.
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how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@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
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdf
COLLABORATION BETWEEN WEALTH MANAGEMENT FUNDS AND FINTECH COMPANIES
1. COLLABORATION BETWEEN
WEALTH MANAGEMENT FUNDS
AND FINTECH COMPANIES
EXAMPLES OF PRACTICES IN THE INDUSTRY
MICHAL GROMEK
RESEARCHER ON FINTECH
SWEDISH HOUSE OF INNOVATION
FONDDAGEN
MODERNA MUSEET, STOCKHOLM
MAY 21ST, 2018
2. IN WEALTH MANAGEMENT, THE [FINANCIAL] INDUSTRY IS CHANGING
FROM BEING A “DISTRIBUTION CHANNEL OF FINANCIAL PRODUCTS”
INTO A “DISTRIBUTION CHANNEL OF FINANCIAL ADVICE”. THIS WOULD
CORRESPOND TO A COPERNICAN CHANGE IN THE WAY FINANCIAL
ADVISORS OPERATE AND ARE COMPENSATED, WHERE TOP
MANAGEMENT HAS TO STRUGGLE WITH, TO MAKE SURE THE FIRMS
THEY LEAD CAN TRANSFORM WITHOUT HINDERING EXISTING
PROFITABILITY.
SOURCE:
SIRONI P. (2016), FINTECH INNOVATION. FROM ROBO-ADVISORY
TO GOAL BASED INVESTING AND GAMEFICATION
3. # INTRODUCTION
# INVESTMENT & WEALTH MANAGEMENT TECH MARKET MAP
# THE OVERVIEW OF THE SWEDISH FINTECH SCENE
# CASE STUDIES
# CURRENT TRENDS
#FOCUS FOR TODAY
4. # RESEARCHER ON FINTECH (SSE)
EFFECTS OF END-USERS TRUST OR DISTRUST ON
TECHNOLOGY ADOPTION IN INFORMATION SYSTEMS
STOCKHOLM SCHOOL OF ECONOMICS
SWEDISH HOUSE OF INNOVATION
PREVIOUSLY:
# HEAD. INT. FINANCIAL SERVICES - FUNDEDBYME.COM
# COUNTRY HEAD - FINTECH ROCKET INTERNET
# TRAINER SECURITIES COMMISSION MALAYSIA
## TRAVEL BOOK AUTHOR (IN THE FUTURE :)
#GOOD TO SEE YOU
5. # STOCKHOLM FINTECH REPORT 2015 - JUN '15
# CHASING THE TALE OF THE UNICORN - MAY '16
# STOCKHOLM FINTECH REPORT (UPDATE) 2016 - JUN '16
# THE NEXT WAVE OF FINTECH - REGTECH & INSURTECH - DEC '17
# STOCKHOLM FINTECH REPORT 2018- JAN '18
# THE RISE AND DEVELOPMENT OF FINTECH, ACCOUNTS OF
DISRUPTION FROM SWEDEN AND BEYOND - BOOK - MAR '18
(OPEN ACCESS)
#CONTINUOUS OBSERVATION OF FINTECH
6. # To illuminate the growing landscape of InsurTech
and RegTech companies that operate on the
Swedish market and arrive at recommendations
for three groups:
> Incumbents
> Startups
> The Regulator
# Landscape mapping 40+ companies
# 11 Case studies and interviews
# 70+ pages of insights
and lesson learned
#THE NEXT WAVE OF FINTECH - REGTECH & INSURTECH
7. WEALTH MANAGEMENT & FINTECH:
REALMS OF COOPERATION
DIRECT INVESTMENTS
IN FINTECH
INCUMBENTS
INVESTMENTS IN
FINTECH FTE
FUNDS
INTRAORGANISATIONAL
COOPERATION
8. WEALTH MANAGEMENT & FINTECH:
REALMS OF COOPERATION - TODAY'S FOCUS
DIRECT INVESTMENTS
IN FINTECH
INCUMBENTS
INVESTMENTS IN
FINTECH FTE
FUNDS
INTRAORGANISATIONAL
COOPERATION
OPERATIONAL
IMPROVEMENTNEW FEATURES
DATA ANALYTICS
COMPLIANCE
COMMUNICATION
CUSTOMER ACQUISITION
10. #MAPPING STOCKHOLM FINTECH SCENE
SOURCE: OPPORTUNITIES AWAIT: HOW INSURTECH IS RESHAPING INSURANCE,
GLOBAL FINTECH SURVEY, PWC, JUNE 2016
SOURCE:
GROMEK M. (2018), STOCKHOLM
FINTECH REPORT. AN OVERVIEW OF
THE FINTECH SECTOR IN TEH GREATER
STOCKHOLM REGION
11. #INVESTMENT AND WEALTH MANAGEMENT TECH MARKET
MAP
SOURCE: OPPORTUNITIES AWAIT: HOW INSURTECH IS RESHAPING INSURANCE,
GLOBAL FINTECH SURVEY, PWC, JUNE 2016 SOURCE: DAVIS L, CB
INSIGHTS . (2018), 2018
WEALTH TECH TRENDS TO
WATCH
12. USE CASE #1 - VANGUARD
# WORLD’S SECOND-BIGGEST FUND MANAGE, PLANNED
TO STRENGTHEN ITS PRESENCE IN GERMANY
# ITS GROWTH IN GERMANY HAS TRADITIONALLY BEEN
CURTAILED BECAUSE OF THE SELLING FEES FOR BANKS
AND OTHER DISTRIBUTORS. VANGUARD DOES NOT MAKE
SUCH PAYMENTS
# THEY PARTNER WITH BERLIN-BASED STARTUP RAISIN, A
MARKETPLACE FOR INVESTMENT PRODUCTS,
# FOR RAISIN IT'S A CHANCE TO STEP IN THE RETAIL
INVESTMENT MARKET. THEY HAVE PREVIOUSLY FOCUSED
ON BROKERED SAVINGS DEPOSITS.
13. USE CASE #2 - FIDELITY
# IN 2015 FIDELITY ACQUIRED "EMONEY ADVISORS" - A
TECHNOLOGY COMPANY PROVIDING WEALTH-PLANNING
SYSTEM FOR FINANCIAL ADVISORS. IT WAS
CONTROVERSIAL FOR MANY, (COST: USD250M)
# AIM: SUPPORT OWN ADVISORS & INVESTMENT
# THE COMPANY WAS PRESERVED AS AN INDEPENDENT
ENTITY. IT KEPT ITS OPERATIONS, INCLUDING FINANCIAL
ADVISORY FOR THEIR CURRENT CUSTOMERS AND
SERVING FIDELITY'S COMPETITION IN CUSTODIAN AND
CLEARING BUSINESSES.
# NOV 2017: 'EMONEY ADVISORS' PLAN TO INTEGRATE
WITH SCHWAB ADVISORS, ONE OF THE FIDELITY'S STRONG
COMPETITORS.
14. USE CASE #3 - SYMPHONY
# IN 2010'S GOLDMAN SACHS BUILT A CUSTOM-MADE
MESSAGING PLATFORM CALLED 'LIVE CURRENT'. THE
OBJECTIVE OF THE COMPANY HAS BEEN TO PROVIDE
# IN 2014 GOLDMAN SACHS FOUNDED A COMPANY
CALLED 'SYMPHONY', WHICH WAS BACKED BY 15 WORLD'S
ELITE FINANCIAL INSTITUTIONS TO SCALE IT UP
INTERNATIONALLY AND RECEIVE AN EXPERIENCED
MANAGEMENT TEAM MERGING IT WITH *LIVE CURRENT*
15. # LEARNING – WHAT CAN WE OFFER, HOW DO WE PROCEED
THE LEARNING, HOW CAN WE REDUCE UNCERTAINTY
BETWEEN THE PARTIES? HOW CAN THE INSURTECH FIND
THE INFORMATION HOW TO PARTNER UP WITH US?
# ADAPTATION – HOW WOULD WE LIKE TO INTEGRATE OR
DO WE WANT TO INTEGRATE THE TECHNOLOGY AT ALL?
(LANDLINE PHONE VS. SMARTPHONE)
# LEARNING – INCUMBENTS’ INVOLVEMENT IN START-UP
PROGRAMS SUCH AS INCUBATORS, ACQUISITIONS ETC.
# TRUST AND COMMITMENT – DO WE PLAN FOR LONG TERM
COMMITMENT OR SHORT TERMS GAINS? WHAT IS OUR
LONG-TERM PLAN?
#DISTANCE - REFLECT ON CULTURE AND SOCIAL DISTANCE
AND TRY TO DIMINISH THEM
#COOPERATION CHECKLIST - BEFORE STARTING A PARTNERSHIP
SOURCE: FORD ET AL, (1998), P.18-25
16. # Exploration – incumbents are actively monitoring new
trends and innovations
# Strategic partnerships – incumbents partner with start-ups
and build pilot solutions to test in the market
# FinTech involvement – incumbents’ involvement in start-
up programs such as incubators, acquistions etc.
# New product development – involvement in FinTech could
help incumbents discover emerging coverage needs and
risks that require new insurance products and services
TREND #1 FOCUS ON PARTNERSHIPS:
SOURCE: OPPORTUNITIES AWAIT: HOW INSURTECH IS RESHAPING INSURANCE,
GLOBAL FINTECH SURVEY, PWC, JUNE 2016
17. # M&A ARE NOT LIKELY TO HELP MUCH
SOURCE: SOURCE: FINTECH TRENDS TO WATCH IN 2018, CB INSIGHTS,
(ACCESSED; APRIL 30TH 2018)
12% OF (RE)INSURANCE PROFESSIONALS WITH
KNOWLEDGE OF THEIR COMPANY'S INNOVATION
STRATEGY PRIMARY
OUTLET FOR
INNOVATION
0%
10%
20%
30%
40%
50%
PARTNER BUILD BUY
18. TREND #2: AUTOMATION ON ITS PACE
SOURCE: ADOPTED FROM STATISTA.COM, MAY 2018
(ACCESSED: MAY 14TH, 2018)
0USD
337,500,000,000USD
675,000,000,000USD
1,012,500,000,000USD
2016
1,350,000,000,000USD
2017 2018 2019 2020 2021 2022
"I FORESEE AN
INCREASE"
ASSETS UNDER ROBO-ADVISORY MANAGEMENT GLOBALLY
19. TREND #2: AUTOMATION ON ITS PACE
SOURCE: ADOPTED FROM STATISTA.COM, JUNE 2017
(ACCESSED: MAY 14TH, 2018)
0 USD
375,000,000 USD
750,000,000 USD
1,125,000,000 USD
1,500,000,000 USD
2016 2017 2018 2019 2020 2021 2022
ASSETS UNDER ROBO-ADVISORY MANAGEMENT - SWEDEN
20. FINTECH COMPANIES DO NOT NECESSARILY PROVIDE NEW
SERVICES BUT INSTEAD FOCUS ON PROVIDING SOLUTIONS
FROM TRADITIONAL PROVIDERS MORE EFFICIENTLY.
SOURCE:
GROMEK M. (2018), STOCKHOLM FINTECH REPORT. AN OVERVIEW OF THE
FINTECH SECTOR IN THE GREATER STOCKHOLM REGION
21. YOU NEED TO BE READY TO GIVE UP TO SCALE. WE AS
THE BIGGEST BANK IN BENELUX SOLD SHARES OF OUR
PAYMENT SOLUTION TO OUR COMPETITORS, AS WE
REALISED WE’RE TOO SMALL TO SCALE. MOREOVER, WE
WANTED TO DO SOMETHING BIG TOGETHER.
BENOIT LEGRAND, CHIEF INNOVATION OFFICER ING
SOURCE:
DISCUSSION PANEL DURING EUOROPEAN STARTUP DAYS IN KATOWICE
(MAY 16TH, 2018)
22. # Mobile – With a generation shift of Y & Z generations the
digital world become a mobile-first place. (Revolut, N26,
etc.)
# Customer Experience is chief among the areas where
traditional financial institutions have fallen short. 70% of
millennials would instead visit their dentists than their
bankers.
Harit Talwar, Head of Marcus @ Goldman Sachs
# Human / personal – instant communication and products
addressing specific needs of individuals.
# Acquisition – aggregators & rethinking of traditional
limitations, both technical and regulatory
TREND #3 CUSTOMER CENTRIC
23. # Automation is the king – the Wealth Management
industry is under a pressure of cost reduction and efficiency
increase. The main focus is on these FinTech solutions that
answer these needs
# Strategic partnerships – will play a key role in the
upcoming 12-36 months but are not facilitated correctly yet
# WealthTech involvement – incumbents’ involvement in
start-up programs such as incubators, acquistions, FinTech
hub in Stockholm will create the WealthTech hub in
Stockholm
#SHORT SUMMARY:
# presentation is already on SlideShare.com
# watch the development of Swedish House of Innovation
# stay connected and ask us in case you see some research '
possibilities.
#STAY CONNECTED:
24. COLLABORATION
BETWEEN MUTUAL FUNDS
AND FINTECH VENTURES
BEST PRACTICES
MICHAL GROMEK
RESEARCHER ON FINTECH
SWEDISH HOUSE OF INNOVATION
FONDDAGEN
MODERNA MUSEET, STOCKHOLM
MAY 21ST, 2018
IS THIS
YOU?