Web 2.0 At A Glance, Frank Schwab
•Download as PPT, PDF•
1 like•531 views
The document discusses the mobile revolution and how it has impacted various industries and trends. It notes the large sales and profit figures for mobile broadband and internet companies. It also mentions how companies like Amazon have found success targeting niche audiences and selling many unique products in small quantities rather than only blockbuster hits. The document also briefly references the acquisition of YouTube by Google for $1.65 billion shortly after its launch and Microsoft offering $40 billion to acquire the company.
Report
Share
Report
Share
Recommended
Digital transformation of the German banking industry, January 2017, english
Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...
8+2 quick cryptocurrency predictions for 2030
8+2 quick cryptocurrency predictions for 2030
#1 Bitcoin is digital gold
#2 Blockchain platforms such as Ethereum, EOS and NEM set standards for programmable money, tokenization and the digitization of assets
#3 The digital yuan is leading the way and more central bank digital currencies are coming
#4 Ripple is an alternative to SWIFT with digital central bank money or XRP in its belly
#5 Litecoin is established as digital silver
#6 DASH occupies a niche in South America as a digital currency
#7 IOTA is the IoT platform for M2M payment transactions and data
#8 Facebook's Diem has a significant market share in global payments
#8+1 There are new tokens that are up more than 10,000 percent
#8+2 DeFi and other blockchain related concepts are established
What's next next in payments? Futurism Forum, Frank Schwab
„What’s next next in payments?“
What happened so far?
The profession of cashier in banks has disappeared
Credit cards
Decline of cash & cheques
What is happening right now?
Smartphone & social media age
mPesa / Safaricom
What’s next?
GAFA payments
M2M payments
What’s next next?
Money becomes programmable
Blockchain and crypto currencies
IOTA
The machine age has already begun. Traditional payment systems were built for people, not machines. IOTA is a promising platform for efficient M2M payments and the machine age. There are several interesting IOTA ecosystem projects and rapidly growing patent applications. The crypto currency IOTA is still a very risky investment, but with great potential. The IOTA Foundation should focus on projects and activities that keep an eye on the growth of M2M / IoT payments and volumes.
Bitcoin - Gold of the Future - Update July 2020
Since peaking at just under $ 20,000 on December 17, 2017, Bitcoin has lost more than three-quarters of its value. In January 2019, the price was a little over USD 3,000. And in July 2020, it already recovered to USD 11,000. Bitcoin is far from being a payment system, but much more a digital asset. Therefore, a comparison between Bitcoin and gold is worthwhile to take a look into the future.
Bitcoin vs Gold : Facts & Figures
FinTech Startup Investor Pitch - FinTech Forum Think tank
In the past 7 years we have seen over 3,500 pitches and given a lot of feedback. More than 350 FinTech startups presented their business models in 7 minutes each.
From this we developed a template. We recommend that all founders cover at least the following eight topics in their presentation.
1. Elevator pitch: the ability to explain the service clearly in 60 seconds
2. The customer: value and benefit
3. The market potential
4. How do you stay ahead of the competition?
5. Marketing and sales approach
6. The core team
7. Key figures, KPIs & finance
8. Roadmap & current status
Recommended
Digital transformation of the German banking industry, January 2017, english
Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...
8+2 quick cryptocurrency predictions for 2030
8+2 quick cryptocurrency predictions for 2030
#1 Bitcoin is digital gold
#2 Blockchain platforms such as Ethereum, EOS and NEM set standards for programmable money, tokenization and the digitization of assets
#3 The digital yuan is leading the way and more central bank digital currencies are coming
#4 Ripple is an alternative to SWIFT with digital central bank money or XRP in its belly
#5 Litecoin is established as digital silver
#6 DASH occupies a niche in South America as a digital currency
#7 IOTA is the IoT platform for M2M payment transactions and data
#8 Facebook's Diem has a significant market share in global payments
#8+1 There are new tokens that are up more than 10,000 percent
#8+2 DeFi and other blockchain related concepts are established
What's next next in payments? Futurism Forum, Frank Schwab
„What’s next next in payments?“
What happened so far?
The profession of cashier in banks has disappeared
Credit cards
Decline of cash & cheques
What is happening right now?
Smartphone & social media age
mPesa / Safaricom
What’s next?
GAFA payments
M2M payments
What’s next next?
Money becomes programmable
Blockchain and crypto currencies
IOTA
The machine age has already begun. Traditional payment systems were built for people, not machines. IOTA is a promising platform for efficient M2M payments and the machine age. There are several interesting IOTA ecosystem projects and rapidly growing patent applications. The crypto currency IOTA is still a very risky investment, but with great potential. The IOTA Foundation should focus on projects and activities that keep an eye on the growth of M2M / IoT payments and volumes.
Bitcoin - Gold of the Future - Update July 2020
Since peaking at just under $ 20,000 on December 17, 2017, Bitcoin has lost more than three-quarters of its value. In January 2019, the price was a little over USD 3,000. And in July 2020, it already recovered to USD 11,000. Bitcoin is far from being a payment system, but much more a digital asset. Therefore, a comparison between Bitcoin and gold is worthwhile to take a look into the future.
Bitcoin vs Gold : Facts & Figures
FinTech Startup Investor Pitch - FinTech Forum Think tank
In the past 7 years we have seen over 3,500 pitches and given a lot of feedback. More than 350 FinTech startups presented their business models in 7 minutes each.
From this we developed a template. We recommend that all founders cover at least the following eight topics in their presentation.
1. Elevator pitch: the ability to explain the service clearly in 60 seconds
2. The customer: value and benefit
3. The market potential
4. How do you stay ahead of the competition?
5. Marketing and sales approach
6. The core team
7. Key figures, KPIs & finance
8. Roadmap & current status
8 factors why crypto currencies are here to stay
User numbers and investments in cryptocurrencies and blockchain projects are increasing. In the Swiss crypto valley, 800 companies with 4,000 employees are working on the digitalization of assets. The regulators are also taking up the issue. In the digital age, cryptocurrencies are the next logical stage in the development of money.
Zum zugehörigen Artikel in deutsch: https://www.it-finanzmagazin.de/8-faktoren-kryptowaehrungen-zukunft-100524/
11 myths of creativity - Frank Schwab January 2020
Myth 1 Creativity always comes from an epiphany
Myth 2 There is always a clear path to creativity
Myth 3 Creativity is the result of the lone innovator
Myth 4 Creativity always results in greatness
Myth 5 Time pressure fuels creativity
Myth 6 I am not creative
Myth 7 Money is a creativity motivator
Myth 8 Fear forces breakthroughs
Myth 9 Competition beats collaboration
Myth 10 Creativity is a waste of time
Myth 11 Creativity is not for people with serious careers
Six Thinking Hats by Edward de Bono
Six Thinking Hats by Edward de Bono is a technique that allows to systematically take up different positions toward a problem and by that act out various approaches. Each „hat“ symbolizes a certain attitude:
White hat: pure facts about the situation
Red hat: your feelings about the experience
Black hat: critique
Yellow hat: right and constructive aspects
Green: creative thinking
Blue hat: summary - the learning gained and the conclusions reached
The hats can be put on arbitrarily and thereby alter the particular way of thinking. Thus many more ideas are generated by way of adopting different positions. The method can be deployed by only one person or within a group.
The Future of Money, Frank Schwab, 2019
Bitcoin, Blockchain & Co: The future of money in the digital age
A short history of money
Digital money
Bitcoin: hype or digital gold?
The potential of cryptocurrencies
Blockchain and Smart Contracts: First Applications
Money becomes programmable
The 3+1 essential competences of FinTech startups
In August 2013, Samarth Shekhar had the idea for the FinTech Forum, which we then implemented together within a few days. Since then, we have identified and analyzed more than 800 FinTechs from German-speaking countries. As part of 17 “FinTech Forum” and “FinTech Forum on Tour” events, we got to know 270 startups and founders and over 100 investors in person. More than 200 FinTech startups have already disappeared from the scene.
The question then arises, what sets successful fintech startups apart from those who have to give up?
From my point of view, there are three important key competences that are needed by FinTech Startups and their founders:
1. Build great, customer-oriented products
2. Be strong in business development
3. Be skilled in dealing with investors
plus
4. Have profitability firmly in focus
With many FinTech examples.
Evolution of paradigms in Banking IT
Interface: From functional interfaces to machine communication
Services: From application silos to machine learning and AI
IP: From self developed to open source to open services
Data: From flat files to blockchain
Infrastructure: From high variety infrastructures to edge computing
Organisation: From hierarchical IT organizations to distributed agil self organized communities
The future is already here, just distributed unevenly - demonstrated by many real life observations in Banking IT
Richmond Financial Industry Forum
Crypto currencies - 8 investment rules
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors may consider to integrate crypto currencies into their portfolio. The presentation provides my 8 rules for crypto currency investments.
#1 Check background of people behind
#2 Review GitHub and development activities
#3 Test available tools like wallets, apps, UX, …
#4 Learn about the crypto currency exchanges supported
#5 Understand fundamentals and technical analysis
#6 Verify underlying business model
#7 Figure out the potential of the coin
#8 Think about the sales strategy
Bitcoin - Gold of the future
Is Bitcoin the gold of the future?
Currently, the Bitcoin is located in the Gartner valley of disappointment. Already the fourth time! A good time for an analysis.
Since peaking at just under USD 20,000 on December 17, 2017, Bitcoin has lost a good two-thirds of its value. And according to Google Trends even more than 80% interest. In terms of Gartner terminology: the Bitcoin is currently in the Valley of Disappointment. More precisely, currently the fourth time, after June 2011, April 2013 and December 2013.
A good time to look into it.
APIs - the oil pumps of the 21st century
APIs pump data. And at traditional banks from the depths of their IT landscapes. APIs make the Internet machine-readable and often form the basis of successful e-commerce business models.
Twitter, Netflix, Google, Facebook and eBay are members of the club of API billionaires. From their partners and customers all of them have more than 1 billion API calls daily. That is the way they are significantly increasing advertising and sales reach - completely automated.
More here:
https://www.linkedin.com/post/edit/apis-oil-pumps-21st-century-frank-schwab
Digital Transformation in Investment Consulting Fund Professional Congress 20...
FinTech is a major development driver in the banking industry and will be indispensable for the implementation of financial transactions in the near future. For financial advisors, the question arises as to how digital products and FinTech affect their work.
Financial services (Fin) and technology (Tech) have always been closely linked. So it is not surprising that digitization in the past has been driven by banks, asset managers and insurance companies. More than 700 FinTechs in German-speaking countries are accelerating this development.
But how do digital products and FinTech affect the work of financial advisers? Do the associated technologies only change the rules of the game, or are new bases for financial advice created? And what stumbling blocks are there on the way from the classic system to the digital one?
In a presentation at the Professional Profession Congress 2018 in Mannheim on January 24, 2018, Frank Schwab, co-founder of the Frankfurt FinTech Forum and digitization pioneer, explains which changes and challenges are foreseeable in the future. In addition, the expert provides information on how to tap the new potential with the right know-how.
At the present time, it can be stated that investment advice is in a transitional stage. Nevertheless, the "digital transformation" in the consulting industry raises many questions. How will the tasks and working methods of financial advisors change? And to what extent will customer expectations change? In short, what do today's consultants have to expect to be prepared for the business of tomorrow?
In his presentation, Frank Schwab discusses these and other existential questions for the future of financial advisers as to why consultants should know about STP, API, AI, P2P, Robots, Crypto, Blockchain and other developments. Learn about Nicola Pragera and digital assets, John Naisbitt and Mega Trends, Mobile Pay and Danske Bank, KWITT and Sparkassen, Crypto, Bitcoin and Factor 70, ICOs and Neufund, Rob Advisory and niiio, Mobile and savedroid, kapilendo, smava, bitcoin.de, goldmoney and Fidor Bank, new KPIs, diffusion of innovation and the future.
Digital transformation of the banking industry
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
FinTech Countdown
Letzter Aufruf zur Digitalisierung für Geschäftsbanken und Sparkassen, September 2017
Crypto currencies - an investor's perspective
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors should consider to integrate crypto currencies into their portfolio.
The presentation also provides 8 rules for crypto currency investments.
Crypto Currency Conference, Odessa, Ukraine
See the presentation on YouTube:
https://www.youtube.com/watch?v=dqpdmGnYXbA&t=51s&index=1&list=PLxXkZsSpEl41Cht5ZwDxLy5-2PL-AVcZD
Frank@FrankSchwabSpeaks.com
Blockchain
Blockchain, Bitcoin, Smart Contracts - an introduction into applications, technologies, benefits
Fidor TecS AG Company Presentation
Fidor TecS enables disruptive banking
Fidor combines a full banking license with its own technology: a strong focus on APIs ensures meeting the demands of the 21st century digital consumer globally and profitably. Fidor serves in a unique way the digitalized banking world to “make this bank your bank” through its open banking APIs.
Be a part of reshaping the post-crisis banking industry through cutting edge technology instead of doing the minimum to be compliant. Educate and integrate your customer through your own community of loyal customers instead of preying on financial illiteracy. The Fidor Operating System fidorOS allows you to do just that - and much more.
fidorOS is designed to work seamlessly with existing core banking system. It not only provides all the basic banking functionalities but it also is expandable, thanks to its modular design.
It also bridges traditional banking products like account, payments, deposits, loans with new banking products like P2P lending, crowd lending, social trading, virtual currencies and Ripple.
A completely new technology that is not tied to any legacy code. Flexible enough to be used on nearly any core banking system and powerful enough to be used by banks as white label.
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Widely recognised as the one of world's most innovative banks, Fidor Bank was established in Germany in 2007. It is the world’s first online-only bank that operates only through the internet and using social media. From customer service, communications and engagement to new product development, everything happens on social media at the Fidor Bank.
Fidor currently has more than 300,000 people registered and 250,000 community members. It has €200m worth of deposits, and its lending totals about €160m. With only 34 staff, no branches and a cost of only €20.00 to set up a customer with full banking, the overheads are low compared with traditional banks.
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH is the first event focused on Germany, Austria and Switzerland, with the mission to identify innovators and disruptors in the Financial Services sector and bring them together with high-calibre investors.
IT Mega Projects in Banking
10 Lessons for success
1. „Establish a robust project leadership.“
2. „Do only start an IT Mega Project once the bank can stand double the planned budget.“
3. „Build a conservative business case.“
4. „Prepare yourself that your program will not deliver on all objectives.“
5. „Make yourself familiar with your IT Landscape of your project.“
6. „Understand what problems do you want to solve with your mega project.“
7. „Take your time – not PPT, but make use of a test environment of your target IT Landscape.“
8. „First build some prototypes to learn about your core challenges.“
9. „Make yourself fit for the target landscape“
10. „Deconstruct your IT Mega Project in several smaller delivery units, that each create value, build on each other and help to achieve the common objectives.“
Do not repeat know failures
Set unrealistic objectives
Set political objectives
Provide not appropriate time for testing
Assign inexperience program management
Overestimation of one‘s own capabilities
Too much optimism
Believe you are unique
Banking Reloaded
Learn about
* why traditional banks are under pressure
* the complexity of IT landscape of financial institutions
* the attackers of the financial industry
* the role of technology
* an outlook
how to sell pi coins on Bitmart crypto exchange
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
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
More Related Content
More from Frank Schwab
8 factors why crypto currencies are here to stay
User numbers and investments in cryptocurrencies and blockchain projects are increasing. In the Swiss crypto valley, 800 companies with 4,000 employees are working on the digitalization of assets. The regulators are also taking up the issue. In the digital age, cryptocurrencies are the next logical stage in the development of money.
Zum zugehörigen Artikel in deutsch: https://www.it-finanzmagazin.de/8-faktoren-kryptowaehrungen-zukunft-100524/
11 myths of creativity - Frank Schwab January 2020
Myth 1 Creativity always comes from an epiphany
Myth 2 There is always a clear path to creativity
Myth 3 Creativity is the result of the lone innovator
Myth 4 Creativity always results in greatness
Myth 5 Time pressure fuels creativity
Myth 6 I am not creative
Myth 7 Money is a creativity motivator
Myth 8 Fear forces breakthroughs
Myth 9 Competition beats collaboration
Myth 10 Creativity is a waste of time
Myth 11 Creativity is not for people with serious careers
Six Thinking Hats by Edward de Bono
Six Thinking Hats by Edward de Bono is a technique that allows to systematically take up different positions toward a problem and by that act out various approaches. Each „hat“ symbolizes a certain attitude:
White hat: pure facts about the situation
Red hat: your feelings about the experience
Black hat: critique
Yellow hat: right and constructive aspects
Green: creative thinking
Blue hat: summary - the learning gained and the conclusions reached
The hats can be put on arbitrarily and thereby alter the particular way of thinking. Thus many more ideas are generated by way of adopting different positions. The method can be deployed by only one person or within a group.
The Future of Money, Frank Schwab, 2019
Bitcoin, Blockchain & Co: The future of money in the digital age
A short history of money
Digital money
Bitcoin: hype or digital gold?
The potential of cryptocurrencies
Blockchain and Smart Contracts: First Applications
Money becomes programmable
The 3+1 essential competences of FinTech startups
In August 2013, Samarth Shekhar had the idea for the FinTech Forum, which we then implemented together within a few days. Since then, we have identified and analyzed more than 800 FinTechs from German-speaking countries. As part of 17 “FinTech Forum” and “FinTech Forum on Tour” events, we got to know 270 startups and founders and over 100 investors in person. More than 200 FinTech startups have already disappeared from the scene.
The question then arises, what sets successful fintech startups apart from those who have to give up?
From my point of view, there are three important key competences that are needed by FinTech Startups and their founders:
1. Build great, customer-oriented products
2. Be strong in business development
3. Be skilled in dealing with investors
plus
4. Have profitability firmly in focus
With many FinTech examples.
Evolution of paradigms in Banking IT
Interface: From functional interfaces to machine communication
Services: From application silos to machine learning and AI
IP: From self developed to open source to open services
Data: From flat files to blockchain
Infrastructure: From high variety infrastructures to edge computing
Organisation: From hierarchical IT organizations to distributed agil self organized communities
The future is already here, just distributed unevenly - demonstrated by many real life observations in Banking IT
Richmond Financial Industry Forum
Crypto currencies - 8 investment rules
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors may consider to integrate crypto currencies into their portfolio. The presentation provides my 8 rules for crypto currency investments.
#1 Check background of people behind
#2 Review GitHub and development activities
#3 Test available tools like wallets, apps, UX, …
#4 Learn about the crypto currency exchanges supported
#5 Understand fundamentals and technical analysis
#6 Verify underlying business model
#7 Figure out the potential of the coin
#8 Think about the sales strategy
Bitcoin - Gold of the future
Is Bitcoin the gold of the future?
Currently, the Bitcoin is located in the Gartner valley of disappointment. Already the fourth time! A good time for an analysis.
Since peaking at just under USD 20,000 on December 17, 2017, Bitcoin has lost a good two-thirds of its value. And according to Google Trends even more than 80% interest. In terms of Gartner terminology: the Bitcoin is currently in the Valley of Disappointment. More precisely, currently the fourth time, after June 2011, April 2013 and December 2013.
A good time to look into it.
APIs - the oil pumps of the 21st century
APIs pump data. And at traditional banks from the depths of their IT landscapes. APIs make the Internet machine-readable and often form the basis of successful e-commerce business models.
Twitter, Netflix, Google, Facebook and eBay are members of the club of API billionaires. From their partners and customers all of them have more than 1 billion API calls daily. That is the way they are significantly increasing advertising and sales reach - completely automated.
More here:
https://www.linkedin.com/post/edit/apis-oil-pumps-21st-century-frank-schwab
Digital Transformation in Investment Consulting Fund Professional Congress 20...
FinTech is a major development driver in the banking industry and will be indispensable for the implementation of financial transactions in the near future. For financial advisors, the question arises as to how digital products and FinTech affect their work.
Financial services (Fin) and technology (Tech) have always been closely linked. So it is not surprising that digitization in the past has been driven by banks, asset managers and insurance companies. More than 700 FinTechs in German-speaking countries are accelerating this development.
But how do digital products and FinTech affect the work of financial advisers? Do the associated technologies only change the rules of the game, or are new bases for financial advice created? And what stumbling blocks are there on the way from the classic system to the digital one?
In a presentation at the Professional Profession Congress 2018 in Mannheim on January 24, 2018, Frank Schwab, co-founder of the Frankfurt FinTech Forum and digitization pioneer, explains which changes and challenges are foreseeable in the future. In addition, the expert provides information on how to tap the new potential with the right know-how.
At the present time, it can be stated that investment advice is in a transitional stage. Nevertheless, the "digital transformation" in the consulting industry raises many questions. How will the tasks and working methods of financial advisors change? And to what extent will customer expectations change? In short, what do today's consultants have to expect to be prepared for the business of tomorrow?
In his presentation, Frank Schwab discusses these and other existential questions for the future of financial advisers as to why consultants should know about STP, API, AI, P2P, Robots, Crypto, Blockchain and other developments. Learn about Nicola Pragera and digital assets, John Naisbitt and Mega Trends, Mobile Pay and Danske Bank, KWITT and Sparkassen, Crypto, Bitcoin and Factor 70, ICOs and Neufund, Rob Advisory and niiio, Mobile and savedroid, kapilendo, smava, bitcoin.de, goldmoney and Fidor Bank, new KPIs, diffusion of innovation and the future.
Digital transformation of the banking industry
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
FinTech Countdown
Letzter Aufruf zur Digitalisierung für Geschäftsbanken und Sparkassen, September 2017
Crypto currencies - an investor's perspective
Basic conditions of money, technologies, and user behavior changed significantly over the last decade. Investors should consider to integrate crypto currencies into their portfolio.
The presentation also provides 8 rules for crypto currency investments.
Crypto Currency Conference, Odessa, Ukraine
See the presentation on YouTube:
https://www.youtube.com/watch?v=dqpdmGnYXbA&t=51s&index=1&list=PLxXkZsSpEl41Cht5ZwDxLy5-2PL-AVcZD
Frank@FrankSchwabSpeaks.com
Blockchain
Blockchain, Bitcoin, Smart Contracts - an introduction into applications, technologies, benefits
Fidor TecS AG Company Presentation
Fidor TecS enables disruptive banking
Fidor combines a full banking license with its own technology: a strong focus on APIs ensures meeting the demands of the 21st century digital consumer globally and profitably. Fidor serves in a unique way the digitalized banking world to “make this bank your bank” through its open banking APIs.
Be a part of reshaping the post-crisis banking industry through cutting edge technology instead of doing the minimum to be compliant. Educate and integrate your customer through your own community of loyal customers instead of preying on financial illiteracy. The Fidor Operating System fidorOS allows you to do just that - and much more.
fidorOS is designed to work seamlessly with existing core banking system. It not only provides all the basic banking functionalities but it also is expandable, thanks to its modular design.
It also bridges traditional banking products like account, payments, deposits, loans with new banking products like P2P lending, crowd lending, social trading, virtual currencies and Ripple.
A completely new technology that is not tied to any legacy code. Flexible enough to be used on nearly any core banking system and powerful enough to be used by banks as white label.
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Widely recognised as the one of world's most innovative banks, Fidor Bank was established in Germany in 2007. It is the world’s first online-only bank that operates only through the internet and using social media. From customer service, communications and engagement to new product development, everything happens on social media at the Fidor Bank.
Fidor currently has more than 300,000 people registered and 250,000 community members. It has €200m worth of deposits, and its lending totals about €160m. With only 34 staff, no branches and a cost of only €20.00 to set up a customer with full banking, the overheads are low compared with traditional banks.
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH is the first event focused on Germany, Austria and Switzerland, with the mission to identify innovators and disruptors in the Financial Services sector and bring them together with high-calibre investors.
IT Mega Projects in Banking
10 Lessons for success
1. „Establish a robust project leadership.“
2. „Do only start an IT Mega Project once the bank can stand double the planned budget.“
3. „Build a conservative business case.“
4. „Prepare yourself that your program will not deliver on all objectives.“
5. „Make yourself familiar with your IT Landscape of your project.“
6. „Understand what problems do you want to solve with your mega project.“
7. „Take your time – not PPT, but make use of a test environment of your target IT Landscape.“
8. „First build some prototypes to learn about your core challenges.“
9. „Make yourself fit for the target landscape“
10. „Deconstruct your IT Mega Project in several smaller delivery units, that each create value, build on each other and help to achieve the common objectives.“
Do not repeat know failures
Set unrealistic objectives
Set political objectives
Provide not appropriate time for testing
Assign inexperience program management
Overestimation of one‘s own capabilities
Too much optimism
Believe you are unique
Banking Reloaded
Learn about
* why traditional banks are under pressure
* the complexity of IT landscape of financial institutions
* the attackers of the financial industry
* the role of technology
* an outlook
More from Frank Schwab (20)
11 myths of creativity - Frank Schwab January 2020
11 myths of creativity - Frank Schwab January 2020
Digital Transformation in Investment Consulting Fund Professional Congress 20...
Digital Transformation in Investment Consulting Fund Professional Congress 20...
Recently uploaded
how to sell pi coins on Bitmart crypto exchange
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
Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...
innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...Falcon Invoice Discounting
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Wayhome's analysis of the UK market and how pension schemes can help solve the problems it presents younger people
what is the best method to sell pi coins in 2024
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYC
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptx
SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc ACA ACIB FCTI FCFIP CFE
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
一比一原版(IC毕业证)帝国理工大学毕业证如何办理
IC毕业证文凭证书【微信95270640】一比一伪造帝国理工大学文凭@假冒IC毕业证成绩单+Q微信95270640办理IC学位证书@仿造IC毕业文凭证书@购买帝国理工大学毕业证成绩单IC真实使馆认证/真实留信认证回国人员证明
如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到帝国理工大学帝国理工大学毕业证学历书；
3、不清楚流程以及材料该如何准备帝国理工大学帝国理工大学毕业证学历书；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★帝国理工大学帝国理工大学毕业证学历书毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查帝国理工大学帝国理工大学毕业证学历书】
我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助帝国理工大学同学朋友
你做代理，可以拯救帝国理工大学失足青年
你做代理，可以挽救帝国理工大学一个个人才
你做代理，你将是别人人生帝国理工大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会美景更增添一份性感夹杂着一份纯洁的妖娆毫无违和感实在给人带来一份悠然幸福的心情如果说现在的审美已经断然拒绝了无声的话那么在树林间飞掠而过的小鸟叽叽咋咋的叫声是否就是这最后的点睛之笔悠然走在林间的小路上宁静与清香一丝丝的盛夏气息吸入身体昔日生活里的繁忙与焦躁早已淡然无存心中满是悠然清淡的芳菲身体不由的轻松脚步也感到无比的轻快走出这盘栾交错的小道眼前是连绵不绝的山峦浩荡天地间大自然毫无吝啬的展现它的达
how to sell pi coins effectively (from 50 - 100k pi)
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
where can I find a legit pi merchant online
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Enga...
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Engagement
how can i use my minded pi coins I need some funds.
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
what is the future of Pi Network currency.
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
What price will pi network be listed on exchanges
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population aging
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Recently uploaded (20)
Seminar: Gender Board Diversity through Ownership Networks
Seminar: Gender Board Diversity through Ownership Networks
innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...
innovative-invoice-discounting-platforms-in-india-empowering-retail-investors...
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Pensions and housing - Pensions PlayPen - 4 June 2024 v3 (1).pdf
Transkredit Finance Company Products Presentation (1).pptx
Transkredit Finance Company Products Presentation (1).pptx
how can I sell pi coins after successfully completing KYC
how can I sell pi coins after successfully completing KYC
Scope Of Macroeconomics introduction and basic theories
Scope Of Macroeconomics introduction and basic theories
how to sell pi coins effectively (from 50 - 100k pi)
how to sell pi coins effectively (from 50 - 100k pi)
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Enga...
The WhatsPump Pseudonym Problem and the Hilarious Downfall of Artificial Enga...
how can i use my minded pi coins I need some funds.
how can i use my minded pi coins I need some funds.
The European Unemployment Puzzle: implications from population aging
The European Unemployment Puzzle: implications from population aging
Web 2.0 At A Glance, Frank Schwab
- 6. The Internet
- 10. 14.8 billion US $ sales 476 million US $ profit
- 11. 7.6 billion US $ sales 350 million US $ profit
- 12. Blockbusters & Best Sellers Unpopular Popularity Products sold Long tail
- 13. Countless niches, selling less of more
- 14. 16.6 billion US $ revenues 4.2 billion US $ profit
- 15. SOLD to Google 1.65 billion US $ 18 month after launch
- 16. Microsoft offers 40 billion US $
- 19. Not just a technology, is part of a revolution
- 20. Think differently about technology Take part & Collaboration Convenience Business People & Lifestyle
- 29. ?
Editor's Notes
- Frage: Wie viele haben ein Mobiltelefon? Ein Notebook? Einen elektronischen Organizer? Nutzen sie diese Geräte von unterwegs, mobil? Immer online sein. Immer erreichbar. Darum geht es auch bei Web 2.0