FINTECH100 – Leading Global Fintech Innovators
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
Admin & Finance Manager | Internship | Kuala Lumpur, Malaysia
Admin & Finance Manager | Internship | Kuala Lumpur, Malaysia UMAI is a software provider that helps restaurants to save time and increase revenues by automating manual tasks, minimize last minute cancellations, upsell customers more effectively and provide more personalized service. The team has extensive experience in building internet companies and has been part of building some of the largest e-commerce ventures in the Asia Pacific Region. Founded by the former MD of Foodpanda.sg, the largest food delivery service in Singapore, and a member of the founding-team of Nova Founders Capital, one of the largest digital marketing agencies in South East Asia. This is not a formal corporate role. We are looking for someone who has a “hustle” attitude, who is results driven, who is comfortable with ambiguity, which is a self-starter and has a sense of humor. Your Tasks ● Develop and maintain information management systems consistent with the needs of a medium sized office environment and in line with professional standards ● To assist as well as own administrative duties and projects ● Handle recruitment efforts, including reviewing applications, conducting interviews, and identifying suitable candidates ● Assist with finance and accounting related tasks, including preparing monthly accounts and bookkeeping. ● Tasks related to streamlining office operations ● Organize and manage internal events focused on improving company culture, including social team activities. Your Profile ● You have a proven track record in either finance or admin. You have an understanding of basic accounting and an interest in developing people, teams and culture ● You’re goal oriented, and have superb organization skills ● You have a strong work ethic and ability to work in a fast-paced environment ● You have an entrepreneurial way of thinking and interest or experience in project management or entrepreneurship (e.g. -
Lending Trend Etfs AMPLIFYLEND CROWDBUREAU® ONLINE LENDING and DIGITAL BANKING ETF WHY INVEST in LEND?
As of 3/31/2021 Invest in the Online Amplify Lending Trend ETFs AMPLIFYLEND CROWDBUREAU® ONLINE LENDING AND DIGITAL BANKING ETF WHY INVEST IN LEND? 1. Access to a rapidly growing and evolving industry that seeks to disrupt the LEND seeks investment results that generally financial and banking sectors. correspond to the CrowdBureau® P2P On- line Lending and Digital Banking Index (the 2. Diverse group of global companies providing solutions for increasing Index). The Index is comprised of companies capital needs of businesses and individuals. that 1) operate the platforms that facilitate 3. Expertise – CrowdBureau® (Index Provider) is a thought leader in the P2P lending and digital banking, and 2) pro- online lending & digital banking space. vide the technology & software that enable the operation of these platforms. WHAT IS PEER-TO-PEER LENDING? FUND FACTS Peer-to-peer (P2P) lending is the practice of lending money to businesses and Ticker LEND individuals through online services that match lenders with borrowers. P2P/ CUSIP 032108862 online lending generally refers to the financing method, typically internet-based, by which capital is raised through the solicitation of small individual investments Intraday NAV LENDIV or contributions from a large number of persons, entities or institutions that Expense Ratio 0.65% lend money directly or indirectly to businesses or consumers. Inception Date 5/9/2019 P2P lenders provide a solution for businesses and individuals to the inefficiencies Exchange NYSE Arca found within the traditional banking systemvestment to the mining space. M&A activity favors junior miners, as it is cheaper for senior miners to buy production Index-Tracking than build capacity themselves. -
Beauty Is Not in the Eye of the Beholder
Insight Consumer and Wealth Management Digital Assets: Beauty Is Not in the Eye of the Beholder Parsing the Beauty from the Beast. Investment Strategy Group | June 2021 Sharmin Mossavar-Rahmani Chief Investment Officer Investment Strategy Group Goldman Sachs The co-authors give special thanks to: Farshid Asl Managing Director Matheus Dibo Shahz Khatri Vice President Vice President Brett Nelson Managing Director Michael Murdoch Vice President Jakub Duda Shep Moore-Berg Harm Zebregs Vice President Vice President Vice President Shivani Gupta Analyst Oussama Fatri Yousra Zerouali Vice President Analyst ISG material represents the views of ISG in Consumer and Wealth Management (“CWM”) of GS. It is not financial research or a product of GS Global Investment Research (“GIR”) and may vary significantly from those expressed by individual portfolio management teams within CWM, or other groups at Goldman Sachs. 2021 INSIGHT Dear Clients, There has been enormous change in the world of cryptocurrencies and blockchain technology since we first wrote about it in 2017. The number of cryptocurrencies has increased from about 2,000, with a market capitalization of over $200 billion in late 2017, to over 8,000, with a market capitalization of about $1.6 trillion. For context, the market capitalization of global equities is about $110 trillion, that of the S&P 500 stocks is $35 trillion and that of US Treasuries is $22 trillion. Reported trading volume in cryptocurrencies, as represented by the two largest cryptocurrencies by market capitalization, has increased sixfold, from an estimated $6.8 billion per day in late 2017 to $48.6 billion per day in May 2021.1 This data is based on what is called “clean data” from Coin Metrics; the total reported trading volume is significantly higher, but much of it is artificially inflated.2,3 For context, trading volume on US equity exchanges doubled over the same period. -
Bitcoin Institutional Investor Analysis
Bitcoin Institutional Investor Analysis LedgerMan, LedgerStat Capital1 Opening Premise History has shown that there is a 100% chance that FIAT money fails. It is just a matter of time. Some currencies last for a decade, some a couple of decades and still others such as the US dollar or the British pound have lasted multiple decades before losing most of their value. The fact is, all government issued currencies have failed over time. According to Austrian economic theory, money is a an economic good like any other. It’s marginal cost of production is zero and that is why it always fails. The issuers of FIAT money always print more of it in order to try and solve other problems other than just being money. Whether it is printed for social welfare, to pay for wars to bail out banks or to manage markets, we are currently witnessing government issuers of paper money attempting to solve more of the world’s problems with printed money. This inevitably leads to its failure. History has also shown that those that understand this concept and allocate a specific portion of their portfolio to gold and rebalance annually have benefited. Their portfolios have substantially increased returns with less risk. Since bitcoin was introduced a decade ago, it is inheriting the characteristics of hard/sound money with its fixed amount and increasing stock to flow ratio. With the recent drop in bitcoin price combined with its improvement in fundamentals, we believe an institutional investor is compelled to at least “’do the work” on bitcoin to determine if there is a possibility that bitcoin can become “digital gold” and perform the role that gold has performed for so many years as the “hard money” alternative to government-issued paper money. -
Investor Book (PDF)
INVESTOR BOOK EDITION OCTOBER 2016 Table of Contents Program 3 Venture Capital 10 Growth 94 Buyout 116 Debt 119 10 -11 November 2016 Old Billingsgate PROGRAM Strategic Partners Premium Partners MAIN STAGE - Day 1 10 November 2016 SESSION TITLE COMPANY TIME SPEAKER POSITION COMPANY Breakfast 08:00 - 10:00 CP 9:00 - 9:15 Dr. Klaus Hommels Founder & CEO Lakestar CP 9:15 - 9:30 Fabrice Grinda Co-Founder FJ Labs 9:35 - 9:50 Dr. Klaus Hommels Founder & CEO Lakestar Fabrice Grinda Co-Founder FJ Labs Panel Marco Rodzynek Founder & CEO NOAH Advisors 9:50 - 10:00 Chris Öhlund Group CEO Verivox 10:00 - 10:10 Hervé Hatt CEO Meilleurtaux CP Lead 10:10 - 10:20 Martin Coriat CEO Confused.com Generation 10:20 - 10:30 Andy Hancock Managing Director MoneySavingExpert K 10:30 - 10:45 Carsten Kengeter CEO Deutsche Börse Group 10:45 - 10:55 Carsten Kengeter CEO Deutsche Börse Group FC Marco Rodzynek Founder & CEO NOAH Advisors CP 10:55 - 11:10 Nick Williams Head of EMEA Global Market Solutions Credit Suisse 11:10 - 11:20 Talent 3.0: Science meets Arts CP Karim Jalbout Head of the European Digital Practice Egon Zehnder K 11:20 - 11:50 Surprise Guest of Honour 11:50 - 12:10 Yaron Valler General Partner Target Global Mike Lobanov General Partner Target Global Alexander Frolov General Partner Target Global Panel Shmuel Chafets General Partner Target Global Marco Rodzynek Founder & CEO NOAH Advisors 12:10 - 12:20 Mirko Caspar Managing Director Mister Spex 12:20 - 12:30 Philip Rooke CEO Spreadshirt CP 12:30 - 12:40 Dr. -
AWARD-WINNING MORTGAGE PRODUCTS Brokers Choose B2B Bank Mortgage Products As Their Preferred Choice for Homebuyers SPECIAL REPORT
ALTERNATIVE LENDING RENAISSANCE What brokers need to know as more consumers opt to bypass the banks STAMPING OUT HARASSMENT MORTGAGEBROKERNEWS.CA How the mortgage industry can ISSUE 16.08 tackle a pervasive culture problem COMMERCIAL KNOW-HOW The rewards of mastering the commercial lending sector 2021 AWARD-WINNING MORTGAGE PRODUCTS Brokers choose B2B Bank mortgage products as their preferred choice for homebuyers SPECIAL REPORT 2021 MORTGAGE PRODUCTS CONTENTS PAGE CMP turned to brokers to find Feature article .............................................. 20 out which Canadian mortgage Methodology ................................................ 21 products are best in class 5-Star Award winners .................................. 24 Profiles .......................................................... 26 www.mpamag.com/ca 19 CMP 5-Star Mortgage Products_SUBBED.indd 19 10/08/2021 4:24:25 am SPECIALBUSINESS REPORT STRATEGY 5-STAR AWARDS: MORTGAGE PRODUCTS THE COMPLETE PACKAGE FOR LENDERS and brokers alike, there are few more critical aspects of the industry “When brokers think beyond the than the mortgage products themselves. mortgage and find low-cost flexibility They’re a defining factor in how mort- gage professionals successfully present for all the client’s debt, they are themselves to borrowers, and as mortgage seekers ponder their financing options, reducing financial stress and a range of considerations come into play, including quality of customer service, turn- building long-term client loyalty, around time and variety. In an effort to identify the lenders whose as well as referrals” products best match the needs of brokers Mario Cloutier, Manulife Bank and their customers, CMP conducted a wide-ranging survey, asking brokers for their WHAT’S MOST IMPORTANT TO BROKERS AND THEIR CLIENTS opinions on some of the lenders and prod- WHEN CHOOSING A MORTGAGE PRODUCT? ucts they had used over the course of the previous year. -
Crowdlending in Asia: Landscape and Investor Characteristics
Crowdlending in Asia: Landscape and Investor Characteristics November 2020 2 Table of Contents Overview 3 Methodology Overview 4 Methodology Statement 4 Crowdlending in Asia 5 Text Analytics and Insights 7 Crowdlending Investor Characteristics 15 Survey Analysis and Insights 16 Crowdlending in Asia: Landscape and Investor Characteristics | Findings and Insights | Findings and insights 3 Overview Multiple issues arise with the emergence of crowdlending; these pertain to regulation, risk management and investors’ behaviour. Compared to the non-investment crowdfunding model, crowdlending is the dominant model in the world. As of 2019, crowdlending accounted for more than 95% of the funds raised worldwide, with Asian countries – particularly China – in the lead. In early 2020, China had the largest volume of money-raising transactions from crowdfunding totalling more than 200 billion USD. However, given the industry’s potential growth in Asian countries, multiple issues with crowdfunding practices need to be resolved. Media coverage on crowdlending is increasingly widespread, as seen from how it has become a buzzword within the last few years. Media attention on crowdlending can help us understand media awareness, media framing, and public understanding of the topic. Further, there is a lack of information on distinct characteristics and decision making of crowdfunding investors in the field of investor behaviour. We analysed the news coverage on crowdlending in Asia spanning a ten-year period from 2009 to 2019. We also surveyed crowdlending investors to understand their behaviours when interacting with crowdlending platforms. Our analyses provide insights into the challenges and opportunities of the crowdlending industry in Asia. They also reveal crowdlending investors’ behaviour. -
How Financial Technologies Are Revolutionizing the Financial Industry
HOW FINANCIAL TECHNOLOGIES ARE REVOLUTIONIZING THE FINANCIAL INDUSTRY Lucie Duval Dissertation submitted as partial requirement for the conferral of Master in Finance Supervisor: António Freitas Miguel, Assistant Professor of Finance, Department of Finance, ISCTE Business School September 2016 NIZING THE THE FINANCIAL NIZING INDUSTRY Lucie Duval LOGIES ARE LOGIESREVOLUTIO ARE HOW FINANCIALTECHNO Abstract Financial technologies (fintech) have known an incredible exposure over the last years, attracting investments of large billions of dollars. Fintech can be seen as the match between finance and technology and they are imposing a way of thinking in all the branches of the financial industry. The main aim of this dissertation is to study how the financial technologies are revolutionizing the financial industry. After the financial crisis of 2008, customers have changed their ways of seeing “Finance” and, more particularly, “Banks”, looking for products and services responding to their needs. Moreover, the financial crisis has highlighted a relevant number of dysfunctions of the banking sector and on the financial regulation. Regulators have strengthened their requirements for banks, particularly in their relations with clients. These have opened a breach for Fintech companies and they are using it. Fintech companies rely on a different value proposition to clients that is based on a timesaving, fast and clear experience. Indeed they are proposing majors innovation in products and also in the processes. Fintech companies have put the customer back at the center of all their attention; customer becomes again the top priority. Financial technologies have already revolutionized the finance industry even if their impact on the market, for the moment may still be seen as trivial. -
Person-To-Person Lending
PERSON-TO-PERSON LENDING IS FINANCIAL DEMOCRACY A CLICK AWAY? Prepared under AMAP/Financial Services, Knowledge Generation Task Order microREPORT #130 September 2008 This publication was produced for review by the United States Agency for International Development. PERSON-TO-PERSON LENDING IS FINANCIAL DEMOCRACY A CLICK AWAY? Prepared under AMAP/Financial Services, Knowledge Generation Task Order microREPORT #130 DISCLAIMER The author’s views expressed in this publication do not necessarily reflect the views of the United States Agency for International Development or the United States Government. AKNOWLEDGEMENTS This report was prepared and compiled by Ea Consultants and Abt Associates under the Accelerated Microenterprise Advancement Project-Financial Services Component (AMAP-FS) Knowledge Generation Task Order. It was authored by Jennifer Powers, Barbara Magnoni and Sarah Knapp of EA Consultants. The authors would like to thank the Management of Calvert Foundation, dhanaX, Kiva, MicroPlace, MyC4, Prosper, and RangDe, for taking the time to speak candidly with us about their institutions, their industry and some of the challenges and opportunities they face. The authors also acknowledge the contributions of the microfinance institutions benefiting from these sites including: International Microcredit Organization (IMON), Norwegian Microcredit LLC (Normicro) and YOSEFO, who allowed themselves to be interviewed for this report. Finally, the authors would like to acknowledge the guidance and support of Thomas DeBass, USAID. CONTENTS I. -
Contents: the Core Bitcoin Becomes the Flag of Technology ( January 3, 2020 by Balaji S
Introduction by Kevin Gao (Work in Progress) Contents: The Core Bitcoin becomes the Flag of Technology (https://nakamoto.com/) January 3, 2020 by Balaji S. Srinivasan Bitcoin: A Peer-to-Peer Electronic Cash System October 31, 2008 by Satoshi Nakamoto Bitcoin for the Open-Minded Skeptic (https://www.paradigm.xyz/) May 12, 2020 by Matt Huang User Thoughts Why Bitcoin (http://www.brianrast.com/) September 9, 2019 by Brian Rast How the Bitcoin protocol actually works (http://michaelnielsen.org/) December 6, 2013 by Michael Nielsen The case for a small allocation to Bitcoin (https://www.kanaandkatana.com/) March 1, 2019 by Wences Casares, CEO of Xapo If you think I’m missing any major essays/papers, shoot me an email at [email protected] or a dm on Twitter @kgao1412 with the subject: “Bitcoin Compilation.” Thanks! Investor Theses Why Bitcoin Matters (https://a16z.com/) January 22, 2014 by Marc Andreessen The Great Monetary Inflation May 7, 2020 by Paul Tudor Jones and Lorenzo Giorgianni An (Institutional) Investor’s Take on Cryptoassets December 24, 2017 by John Pfeffer General Talks BlockCon 2018: Nassim Taleb & Naval Ravikant (h/t http://www.mrsideproject.com/) October 11, 2018 Nassim Nicholas Taleb and Naval Ravikant Capitalizing on Tech-Enabled Transformations (Excerpt) July 20, 2018 Josh Wolfe and Michael Green If you think I’m missing any major essays/papers, shoot me an email at [email protected] or a dm on Twitter @kgao1412 with the subject: “Bitcoin Compilation.” Thanks! The Core Bitcoin becomes the Flag of Technology (https://nakamoto.com/) January 3, 2020 by Balaji S. -
Current State of Crowdfunding in Europe
Current State of Crowdfunding in Europe An Overview of the Crowdfunding Industry in more than 25 Countries: Trends, Volumes & Regulations 2016 Current State of Crowdfunding in Europe 2016 CrowdfundingHub is the European Expertise Centre for Alternative and Community Finance [email protected] www.crowdfundinghub.eu @CrowdfundingHub.eu Keizersgracht 264 1016 EV Amsterdam The Netherlands This report is made possible by the contribution of: Current State of Crowdfunding in Europe is a report based on research conducted by CrowdfundingHub in close cooperation with professionals from all over Europe. Revised versions of this report and updates of individual countries can be found at www.crowdfundingineurope.eu. Current State of Crowdfunding in Europe 2016 Foreword We started this research to get a structured view on the state of crowdfunding in Europe. With the support of more than 30 experts in Europe we collected information about the industry in 27 countries. One of the conclusions is that there is a wide variety of alternative finance instruments that is being offered through online platforms and also that the maturity of the alternative finance industry in a country can not just be measured by the volume of transactions on these platforms. During the process of the research therefore, the idea took root to develop an Alternative Finance Maturity Index. The index takes into account the volumes in the industry, the access to relevant and reliable data, the degree of organization of the industry, the presence and use of all the different forms of alternative finance and also the way governments are regulating the industry with rules that on one hand foster alternative finance but on the other hand also protect consumers and prevent excesses. -
(2019). Bank X, the New Banks
BANK X The New New Banks Citi GPS: Global Perspectives & Solutions March 2019 Citi is one of the world’s largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary conversation – accessing information, analyzing data, developing insights, and formulating advice. As our premier thought leadership product, Citi GPS is designed to help our readers navigate the global economy’s most demanding challenges and to anticipate future themes and trends in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of a wide range of senior professionals across our firm. This is not a research report and does not constitute advice on investments or a solicitations to buy or sell any financial instruments. For more information on Citi GPS, please visit our website at www.citi.com/citigps. Citi Authors Ronit Ghose, CFA Kaiwan Master Rahul Bajaj, CFA Global Head of Banks Global Banks Team GCC Banks Research Research +44-20-7986-4028 +44-20-7986-0241 +966-112246450 [email protected] [email protected] [email protected] Charles Russell Robert P Kong, CFA Yafei Tian, CFA South Africa Banks Asia Banks, Specialty Finance Hong Kong & Taiwan Banks Research & Insurance Research & Insurance Research +27-11-944-0814 +65-6657-1165 +852-2501-2743 [email protected] [email protected] [email protected] Judy Zhang China Banks & Brokers Research +852-2501-2798