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Sales: Business Sales Consultant - Pine Brook, NJ - Newark, New Jersey

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Business Sales Consultant - Pine Brook, NJ Position Description Overview A recognized leader in helping small and medium sized (SMB) businesses grow through state of the art solutions is seeking energetic, tech-savvy, results driven sellers for a field-based Business Consultant position on their short cycle merchant services sales team. We offer our Sales team continual formalized learning and operational support to ensure that you are well versed on our business solutions and product suite to assist you in maximizing your success. Job Responsibilities - Successful Business Consultants will be adept at generating their own leads in this business to business environment (B2B), as well as leveraging First Data partner relationships (or micro merchant sales for FD's various organizations or verticals) to source sales opportunities. This includes interacting with prospects at strategic partner locations, working with partner representatives to acquire leads and promote First Data solutions, and leveraging co-branded marketing collateral in the partner's geographical footprint to source new opportunities. - Successful Business Consultants will be adept at generating their own leads in this business to business environment (B2B), which may be complemented by referrals obtained from working relationships you build and develop along with those First Data has with over 1,400 nationwide bank partnerships and other referral sources, both large and small. - The position will also be responsible for retaining clients by building relationships and growing portfolios through relationship management and cross consulting. As a member of our Regional Sales force, you will always represent the First Data values of embodying the highest ethical standards and treating others with dignity, respect, and genuine concern. Scope of Job Short sales cycle. May involve territory planning vs account planning. Job Requirements - Bachelors degree or equivalent with 3+ years sales experience preferred. - Professional presence required and ability to effectively interface with executives. - Highly self-motivated, personable, aggressive, energetic, and creative - Ability to listen to clients, understand their needs and determine how we can help them achieve their goals. - Prior experience in a quota driven self-sourcing sales environment for small to medium size clients. - Demonstrated success in achievement of aggressive sales goals. - Technologically savvy; comfortable with tablet and cloud-based solutions and able to apply technology to help grow small businesses - Strong cold-calling skills and ability to self-source leads. - Self-source mentality with drive to identify and close on opportunities - Ability to develop a plan to effectively build pipeline and generate top line revenue growth - Proven track record of commitment and dedication to achieving results Competencies Cross-Selling SALES TASKS AND ACTIVITIES Prospecting Sales Scoping and Qualification Sales Closing and Agreements Field Sales TeleSales Knowledge of Product Line Learn more about Fiserv: Life moves fast. And as it does, we know most people aren't thinking about financial services But we are. We help people and businesses move money and information every minute of every day. Our solutions connect financial institutions, corporations, merchants and consumers to one another, millions of times a day, behind the scenes, reliably and securely. We're Fiserv, a global leader in Fintech and payments enabling innovative financial services experiences that are in step with the way people live and work today. The company's approximately 44,000 associates proudly serve clients in more than 100 countries, so their customers, members and consumers can move money when and where they need it, at the point of thought. Our Aspiration is to move money and information in a way that moves the world. As a FORTUNE 500 company and one of FORTUNE Magazine World's Most Admired Companies for the sixth consecutive year, we are committed to excellence and purposeful innovation. Explore the possibilities of a career with Fiserv and Find Your Forward with us. We welcome and encourage diversity in our workforce. Fiserv is an equal opportunity employer/disability/vet United States-New Jersey-Newark-Newark-Remote Short Cycle Sales Full-time Oct 22, 2019 L2 - Supervisor/Professional Regular ()
          

Engineering: Senior Platform Engineer - Miami, Florida

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Senior Platform Engineer We are getting ready to launch and scale a stealth FinTech startup focused on providing underbanked consumers access to innovative financial services. Financially backed by one of the largest alternative financial services providers in the Americas, this startup is well positioned to disrupt the $175 Billion US Financial services industry for the underserved. The company is currently in pre-launch and is expected to enter the market Q4 2019. What you will do: Support the build and management of the backend infrastructure for the platform including integrations with 3rd party vendors Support the implementation of the platform's data strategy Implement new features in a highly collaborative environment with product managers and engineers Contribute to a maintainable, high quality, and performant codebase Effectively communicate your technical solutions and product ideas with the team Mentor other engineering team members Who are we looking for: 5+ years of software development experience including 3+ years developing backend services using Node.js Experience with the JVM, tools, frameworks, languages (Java, Kotlin, Scala etc) Experience designing and developing RESTful, service oriented microservices and function as a service architectures Experience with domain driven design and associated practices Excellent understanding and experience with both functional programming and object oriented design concepts (e.g. SOLID principles etc.) Experience designing data persistence and caching concepts using both SQL and NoSQL DBMS (PostgreSQL, DynamoDB, Redis, etc.) Experience with Javascript / Typescript ecosystem (build tools, package manager, frameworks, debugging tools, etc.) DevOps experience with knowledge on how to setup, configure, and maintain a CI/CD pipeline (gitlab, jenkins, concourse etc) Experience with infrastructure as code concepts and tools (terraform, ansible, CloudFormation etc.) Experience designing and implementing cloud native applications together with best practices (12 factor apps, reactive manifesto etc.) Excellent knowledge of software engineering best practices (e.g. agile/lean software development, continuous deployment, secure application deign, behavior driven development, code review, design documentation, etc.) Excellent knowledge of virtualization and containerization technologies (e.g. Docker), resource schedulers Desired experience: Bachelor's or Master's degree in Computer Science / Computer Engineering, or of equivalent experience Entrepreneurial / startup experience Experience in the financial services industry Experience with AWS services (Lambda, VPC, API Gateway, Cognito, SQS, SNS, DynamoDB, etc.) ()
          

Moorwand launches acquiring service to ease squeezed margins for banks and merchants

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Merchant Acquiring offers competitive pricing while delivering security, speed and efficiency for businesses looking to drive revenuesLONDON, 5th November – Moorwand, a dedicated BIN sponsor that turns compliance into a competitive advantage, has today launched its online acquiring solution for customers – banks, fintechs, processors, PSPs and merchants – across Europe. Moorwand’s Merchant Acquiring provides a single payment gateway with access to multiple global payment schemes, and a multitude of payment methods, enabling businesses to... Source: RealWire
          

HK an attractive fintech base

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Hong Kong can help you find your fintech future because we are building that future right now.

 

The present, as you know, is in considerable flux here. But we are working to heal our community divide, communicating to find a way forward, to return harmony to Hong Kong. It is a work in progress but, in good time, we will get there.

 

In the meantime, the faltering global economy and Hong Kong's continuing community dissension have brought us a heavy hit. They have dealt a blow to our economic growth and to a great many businesses across sectors.

 

Despite today's very real business challenges, I am here to tell you that Hong Kong remains one of the world's most competitive economies. Last month, the World Economic Forum's Global Competitiveness Report ranked Hong Kong third - up from seventh last year. And in terms of digital competitiveness, the Swiss-based International Institute for Management Development ranked Hong Kong eighth, up from 11th last year, with a big leap forward in the factor "Future readiness". And earlier this year, the same institute also placed Hong Kong second in the World Competitiveness Yearbook.

 

Indeed, our banks and financial markets continue to operate smoothly.

 

And we remain strongly committed to the Linked Exchange Rate System, which has served Hong Kong well for 36 years, through countless economic and financial cycles.

 

Hong Kong's foreign exchange reserves stand at US$430 billion, more than two times of our monetary base.

 

No less important, the free flow of capital, in and out of Hong Kong, is guaranteed under the Basic Law. It is also driven by Hong Kong's status as one of the world's leading financial centres - and China's international financial capital.

 

It is not surprising that Hong Kong's fintech sector is fast emerging as a regional hub.

 

World-renowned innovation laboratories and accelerator programmes, such as Accenture Fintech Innovation Lab and Deloitte Asia Pacific Blockchain Lab, have established their presence here.

 

According to Accenture, Hong Kong fintech companies have raised US$1.1 billion over the past five years.

 

The number of fintech companies based here now exceeds 600. About 40% of them were started overseas, choosing turning to Hong Kong as their base in the Asian region.

 

Many of them see Hong Kong as their business bridge to the region and, in particular, to the Mainland. Indeed, more than 50% of our fintech companies either operated in the Guangdong-Hong Kong-Macao Greater Bay Area or plan to expand their business into the region.

 

More than a gateway to the region, Hong Kong is at the heart of fintech innovation in Asia.

 

Earlier this year, the Hong Kong Monetary Authority (HKMA) awarded licences to our first eight virtual banks. We hope to see the launch of some of them by the end of the year. And you will hear more about our virtual banks in various sessions today and tomorrow.

 

Earlier this year, the HKMA also launched phase one of the Open Application Programming Interface (API) framework, allowing technology companies to create fintech-enabled solutions for the banking industry.

 

Today, more than 500 open APIs have been launched by some 20 retail banks. Phase two, which began last month, focuses on customer acquisition. The two phases, covering account information and transactions, are now being developed by the HKMA in close collaboration with the industry.

 

These new initiatives are game changers for the banking sector and Hong Kong's financial services sector as a whole.

 

In September last year, we launched the Faster Payment System, which connects banks and stored-value facilities, or e-wallets, enabling instant fund transfer - seven days a week, 24 hours a day - in both Hong Kong dollar and renminbi.

 

As of September, the Faster Payment System had recorded about 3.5 million registrations. In the month of September alone, the system processed about four million transactions involving $58 billion and RMB1 billion.

 

At the same time, we introduced the common QR code standard for retail payments. It helps merchants, especially small and medium enterprises, use a single QR code to accept payments by various schemes.

 

Last year, our Insurance Authority began its Fast Track scheme, which expedites applications to engage in the insurance business, in or from Hong Kong, solely using digital distribution channels.

 

The first virtual insurer under Fast Track was granted last December. A second authorisation was approved just last month, creating more customer-centric services and products.

 

Ultimately, of course, fintech rises on the human talent behind the technology.

 

It is one of the reasons why the HKMA established the Academy of Finance in June. The academy serves as a centre of excellence in the development of tomorrow's financial leaders.

 

And starting early next year, our Cyberport will launch a fintech training programme for in-service financial professionals, helping professionals from our traditional financial sector embrace the promise of fintech.

 

There is lots more in the fintech pipeline, but allow me, for just a moment, to touch on Shenzhen.

 

Hong Kong and Shenzhen are two of the 11 cities in the Greater Bay Area. Together, we will help drive innovation and technology for this fast-emerging cluster city development of 71 million consumers.

 

The Greater Bay Area is an enormous market, an outsized opportunity for fintech and investment in fintech.

 

Financial Secretary Paul Chan gave these remarks at the opening of Hong Kong Fintech Week 2019 on November 6.


          

Crise des fonds euros : l'assurance vie perd de sa superbe

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Pour la fintech Nalo, deux Français sur trois pourraient bouder le placement, après les récentes annonces de plusieurs gros assureurs concernant les fonds en euros.
          

Fintech nacional desafía al cepo y propone retornos estimados del 35% en dólares

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Después del resultado electoral del domingo 27 de octubre, el Gobierno tomó la decisión de imponer una restricción a la compra de divisas
          

H2 Protects - Insurance Agency

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H2 Protects - Insurance Agency

H2 protection Agency is a multi-line, full facility, self-governing protection agency working in Georgia, Tennessee, and North Carolina. H2 with the provision of its activity partner Assure Alliance, is proud to offer the best attention available through the top carriers in the industry.


Category: Bitcoin - Cryptocurrency and FinTech
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: Snellville
: Georgia
: United States
: https://h2protects.com/
:
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Zapbuild

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Zapbuild

Zapbuild is a pioneer in providing digital enablement solutions and services. We believe in enhancing speed-to-delivery through innovative methodologies and development mechanisms.

We work with businesses (large, medium, small and start-ups) in enabling their journey through the digital world. Since our inception in 2007, we have worked closely with enterprises, businesses, entrepreneurs, start-ups and individual innovators all across the globe powering their digital journey. Our digital solutions and services enabled them in giving shape to their ideas, scaling up their businesses and gaining an advantageous position in the digital economy. 

While working with Zapbuild, you can count on us as a trusted partner in navigating emerging opportunities in the new economy and utilizing digital technologies for business growth. Our digital design, application development, and web solutions, have left a mark on a widespread clientele across industries and continents. 

Our highly talented and eclectic mix of experienced technology nerds, creative non-conformists, and deep-functional experts come together to build unique and innovative solutions customized to your individual requirements.

Till date, we have proudly served more than 430 highly satisfied clients from 21 countries across a wide range of digital solutions and services that include a mix of:

* Digital Solutions

- Digital Design

- Web and Mobile Applications

- Mobile Commerce & E-Commerce

- Digital Marketplaces

- Digital Marketing

- SAAS (Software as a Service)

- Video Streaming

- Internet of Things (IoT)

- MVP (Minimal Viable Product)

- Chatbots

- Business Directory

- Community & Social Networking

* Enterprise Solutions

- Accounting & Billing Solutions

- Business & Workflow Automation

- Learning Management Systems

- Inventory Management Solutions

- Customer Relationship Management (CRM)

- Human Resource Management (HRM)

* Industry-Specific Solutions

- Healthcare

- Hospitality

- Health and Wellness

- Logistics & Freight

- Real Estate

- Construction

- Retail

- On-Demand Services

- Sports

- Education

- Fashion & Jewelry

- Entertainment

- Lending

- Food & Beverages

- Insurance

- Media and Advertising

- Tours & Travel

- Legal

- Fintech

- Nonprofit

- Consumer Products

With our deep domain knowledge, widespread industry experience and well-honed strengths in digital technologies, bespoke software development, and data research and analysis, we enable new revenue-generating opportunities for our customers.

It’s our constant endeavor to provide affordable solutions while continuously focusing on developing an awesome end-customer experience. We believe in building life-long client relationships by providing end-to-end transparency during development, unparalleled customer service and post go-live support and services.


Category: Software Developers
: Address * 1400 Preston Rd. Suite #420
: Texas City
: Texas
: United States
: https://zapbuild.com
: software outsourcing company, custom software development company, outsourcing software development company, software application development company, offshore web development, web design company, custom web design company, seo web service, internet marketing services
: Zapbuild is a leading Indian multinational provider of outsourcing, offshore software development, web & mobile app development, SEO and internet marketing services.
          

Chine: les exchanges de cryptomonnaies peuvent demander à être réglementés

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Chine: les exchanges de cryptomonnaies peuvent demander à être réglementés 101
Source: iStock/Onfokus

À compter d’aujourd’hui, les exchanges de cryptomonnaies peuvent demander à être réglementés par la Securities and Futures Commission (SFC) de Hong Kong qui a publié un document posant le cadre pour les échanges cryptographiques.

Les nouvelles règles couvrent des aspects de la conservation des cryptos, les exigences du client, des règles anti-blanchiment et des manipulations de marché, ainsi que des questions spécifiques au secteur de la cryptomonnaie, a dit Ashley Alder, directeur général du SFC dans une conférence Fintech à Hong Kong.

"Et cela met également en évidence de nombreux nouveaux concepts auxquels nous nous habituons, tels que les portefeuilles chauds et froids, les forks, les parachutages (airdrops), etc. Nous définirons également les critères permettant aux plateformes de décider de l'inclusion d'un nouvel actif pour le trading", a-t-il ajouté.

Selon Alder, la Commission a examiné "un grand nombre d'exploitants de plateformes cryptographiques" et a conclu que "certains d'entre nous pourraient être réglementés par nous".

Toutefois, le directeur général a souligné qu'il veillerait à ce que les opérateurs de plateformes ne puissent fournir des services qu'aux investisseurs professionnels, et uniquement à ceux qui sont en mesure de démontrer qu'ils possèdent déjà une connaissance suffisante en matière d'investissement dans ce domaine.

Cette annonce est "un moment crucial pour les services financiers en Asie et indique une acceptation accrue des actifs numériques en tant que nouveau type d'instruments financiers", a déclaré à Reuters Hugh Madden, le PDG de BC Group, une société techno de trading d'actifs numériques.

Dans le même temps, Alder a également souligné que la SFC était "extrêmement préoccupée" par les plateformes offrant des contrats à terme sur actifs virtuels au public, en particulier des contrats à fort effet de levier.

"Nous allons donc publier aujourd'hui un deuxième document qui alerte les investisseurs sur ces risques. Elle indique également que ceux qui proposent des contrats à terme sur des actifs virtuels à des fins de transaction pourraient bien mener une activité illégale", a déclaré M. Alder.

Plus tôt dans la journée, il a été annoncé que le planificateur d’état de la Chine, la Commission nationale du développement et de la réforme, avait retiré le secteur du minage de Bitcoin (BTC) de la liste des industries susceptibles d’être éliminées.

Tout cela s’inscrit dans la foulée de la récente demande du président chinois Xi Jinping d’accélérer le développement de la technologie blockchain en raison de son importance "dans le nouveau cycle d’innovation technologique et de transformation industrielle" de la Chine.

Lire aussi: Les déclarations de la Chine provoquent-elles la hausse du prix du bitcoin?


          

Ripple, Coca-Cola, Huawei… 5 nouvelles blockchain

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Ripple, Coca-Cola, Huawei… 5 nouvelles blockchain 101
Source: iStock/Adrian Black
  • Selon une étude de la firme d’analyse Juniper Research, Ripple, Visa et IBM sont à la pointe de l'innovation en ce qui concerne les paiements transfrontaliers blockchain. Selon cette société, Ripple est en tête du marché depuis 2012; capitalisant sur l’avantage de ses débuts pour passer à plus de 200 institutions financières partenaires en 2019. "Cependant, Ripple fait face à une concurrence accrue de la part de Visa B2B Connect et IBM Blockchain World Wire, qui ont déjà accru leur présence dans 60 pays et ont des partenaires de premier plan dans l'écosystème financier ", ont déclaré les chercheurs. Ils estiment également que la valeur totale des paiements transfrontaliers B2B stockés immuablement sur la blockchain dépassera 4 400 milliards USD d'ici 2024 contre 171 milliards USD en 2019.
  • La TPBank (Banque commerciale de Tien Phong), basée au Vietnam, a rejoint le réseau de paiement de Ripple, RippleNet. Selon l’annonce RippleNet permettra aux clients de la banque de virer de l’argent du Japon vers un compte TPBank en quelques minutes, à comparer aux quelques heures qui étaient auparavant nécessaires pour effectuer ces opérations.
  • Coke One North America, la société de technologie qui gère les opérations informatiques des embouteilleurs travaillant avec Coca-Cola, utilise la technologie blockchain de SAP pour améliorer le processus de production selon Business Insider. Le programme pilote a commencé avec seulement deux embouteilleurs - Coca-Cola United et C.C. Clark et est maintenant étendu à toutes les franchises, selon l’article.
  • La banque centrale de Chine, la Banque populaire de Chine, a signé un accord de coopération blockchain avec Huawei. Aucun détail sur le type de projets sur lesquels les parties ont accepté de travailler n'a encore été publié. L’accord a été scellé par le gouverneur adjoint de la banque, Fan Yifei, qui s’est rendu en personne au siège de la société à Shenzhen.
  • La branche TI de Samsung , Samsung SDS, mettra à niveau sa plateforme blockchain Nexledger selon le journal New Daily. La société s’associera à Medium, le développeur d’une plateforme qui, selon elle, peut fonctionner à des vitesses supérieures à 100 000 transactions par seconde afin d’améliorer la vitesse de Nexledger. Samsung SDS espère étendre ses activités commerciales de chaînes de blocs dans les secteurs de la finance, de la logistique et de la fabrication, ainsi que dans le secteur public.
  • Microsoft a lancé une plateforme qui, selon la société, permettra aux entreprises de miner leurs propres jetons basés sur Ethereum. Selon Forbes, la solution s'appelle Azure Blockchain Tokens. Elle permettra aux développeurs d'utiliser des jetons sur la blockchain publique Ethereum ou sur des grands registres distribués créés par certains concurrents de Microsoft. Le média indique également que “les entreprises comme General Electric attendent pour créer leurs propres cryptos.

Lire aussi: MoneyTap et PayPay s’associent et utiliseront la technologie DLT de Ripple.


          

Tutoriel Kriptomat

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Kriptomat - Plateforme crypto

Jean Cryptoast Logo

La note de Jean
Kriptomat (4/5)

Logo de la société Kriptomat
 
Kriptomat est une plate-forme conviviale, réglementée et sécurisée qui permet d’échanger et de stocker des crypto-monnaies. La société a été lancée en 2018 à Tallinn en Estonie, et est aujourd’hui basée en Slovénie. La région est à la pointe dans les nouvelles technologies, et notamment dans la FinTech.

  1. Achetez des cryptos en toute simplicité
  2. Quels sont les frais sur Kriptomat ?
  3. Pourquoi choisir Kriptomat ?
  4. Comment s’inscrire et vérifier son compte sur Kriptomat
  5. Sécuriser son compte
  6. Ajouter un compte bancaire et faire un dépôt
  7. Acheter et déposer vos cryptos
  8. Faire un retrait en crypto ou en euro
  9. Télécharger et utiliser l’application Kriptomat

Bonjour et bienvenue sur ce tuto consacré à Kriptomat, une plate-forme destinée à l’achat, la vente, le transfert et le stockage de crypto-monnaies. Je vais vous montrer comment utiliser efficacement ce site et comment acheter vos crypto-monnaies. Bonne lecture

          

FIS to build new global headquarters in Florida to support company’s continued growth

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Fidelity National Information Services Inc. (FIS), the Fortune 500 financial services technology giant whose Arkansas ties go back more than four decades, has unveiled plans to begin construction on a...

The post FIS to build new global headquarters in Florida to support company’s continued growth appeared first on Talk Business & Politics.


          

Jack Ma-backed start-up fund steps up search for next biotech unicorn from Hong Kong

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Alibaba Hong Kong Entrepreneurs Fund, the US$131 million venture capital fund started by Jack Ma, plans to boost investments in Hong Kong’s biotech start-ups that could become the next unicorn, expanding its focus from fintech and artificial intelligence.“We have come across a lot of good biotech technologies, the question is whether these are ground-breaking ones,” said Cindy Chow Lok Mei-ki, the not-for-profit fund’s executive director. “As biotech is not Alibaba’s core competence, we hope…
          

Ödeme hizmetlerinde kanun değişikliği teklifi TBMM’de görüşülüyor

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FinTech İstanbul olarak uzun zamandır “Açık Bankacılık” konusunda çalışmaktayız. Bu konuda finansal kuruluşlar ve FinTech girişimleri açısından mevcut durum analizini yapabilmek amacıyla ortak çalışmalarda bulunuyoruz. Ekim ayı başında yayınladığımız “Dünyada ve Türkiye’de Açık Bankacılık: Bankacılığın Geleceği” raporunda da açık bankacılığın ne olduğundan başlayarak getireceği fırsatları, dünyadaki durumu ve ülkemizdeki durum değerlendirmesine yer verdik. Ekim ayında […]

The post Ödeme hizmetlerinde kanun değişikliği teklifi TBMM’de görüşülüyor appeared first on FinTech İstanbul.


          

Startups.Watch yeni FinTech ekosistem raporlarını yayınladı

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Girişimcilik ekosistemi ve bu ekosistemin aktif olduğu pazarlar ile alakalı analitik veriler hazırlayan Startups.Watch, Türkiye FinTech ekosistemi, küresel FinTech ve InsurTech ekosistemleri ile alakalı yeni raporlarını yayınladı. The State of Turkish Fintech Ecosystem Türkiye FinTech ekosistemini ele alan bur raporda ağırlıklı olarak FinTech girişimleri ve yatırımları analiz ediliyor. Rapordaki verilere göre 2015 ile 2019 yılları […]

The post Startups.Watch yeni FinTech ekosistem raporlarını yayınladı appeared first on FinTech İstanbul.


          

Huawei, Merkez Bankası’nın dijital parasına destek olacak

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Çin’in blokzinciri teknolojisini hızlı bir şekilde benimsemeye çalıştığı şu günlerde teknoloji devi Huawei de Dijital Para Birimi Araştırma Enstitüsü ile anlaşma imzaladığını duyurdu. Huawei, Merkez Bankası’na bağlı Dijital Para Birimi Araştırma Enstitüsü ile anlaşmaya gittiklerini WeChat hesabından açıkladı. Fazla bir ayrıntı verilmeyen açıklamada Huawei, iki tarafından finansal teknoloji araştırmaları yapmak için iş birliği yaptığını söyledi. […]

The post Huawei, Merkez Bankası’nın dijital parasına destek olacak appeared first on FinTech İstanbul.


          

Haftanın FinTech Gelişmeleri – 04.11.2019

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Bankalararası Kart Merkezi İş Geliştirme Müdürü Okan Yıldız, her hafta bankacılık ve ödeme teknolojileri dünyasında haftanın öne çıkan gelişmelerini LinkedIn hesabından paylaşıyor. Okan Yıldız’ın kaleminden haftanın önemli FinTech gelişmelerini aktarıyoruz. Artık yılın sonuna yaklaşıyoruz ve içinde bulunduğumuz dönemde şirketler 2020 yılında hayata geçirmeyi planladıkları ürün ve hizmetleri duyurmaya başladılar. Uber’in kurduğu Uber Money isimli ekip de bunlardan […]

The post Haftanın FinTech Gelişmeleri – 04.11.2019 appeared first on FinTech İstanbul.


          

Dr. İbrahim Karasu ile Açık Bankacılık Üzerine Bir Söyleşi

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Röportaj: Elif Kocaoglu Ulbrich Alman Federal Bankalar Birliği’nin (bankenverband) Yönetim Kurulu üyesi Dr. İbrahim Karasu, 30 yıllık bankacılık, lobicilik ve yöneticilik deneyimi sayesinde Alman bankacılık sektörünün farklı aşamalardan geçişine şahit olmuş. FinTech akımı sektörü ele geçirmeden önce bile teknolojinin sektöre muhtemel etkilerini öngörmeye çalışan bir çalışma prensibine sahip olan Dr. Karasu, 2007‘de yayınlanan “Biometrie im […]

The post Dr. İbrahim Karasu ile Açık Bankacılık Üzerine Bir Söyleşi appeared first on FinTech İstanbul.


          

FinTech, girişimcilerin kredilere bakış açısını nasıl değiştiriyor?

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KOBİ kredileri en az ilk uygarlık kadar eski. Aradan geçen zaman zarfında neler değişti? Geleneksel kredilerin geçmişi, bu alandaki modern türevlerine benzer uygulamaları gözlemlediğiniz Mezopotamya’ya ait ve 3.000 yıllık geçmişe sahip. Wlliam Goetzmann’ın “Money Changes Everything: How Finance Made Civilization Possible” (Para Her Şeyi Değiştiriyor: Finans Uygarlığı Nasıl Mümkün Oldu?) adlı kitabına göre bu eski […]

The post FinTech, girişimcilerin kredilere bakış açısını nasıl değiştiriyor? appeared first on FinTech İstanbul.


          

인터넷시사용어

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(전북,여) 시사용어 잘 몰랐는데 자료 정리해 주셔서 이해가 좀 되네요... 찾으시는 파일 있길 바래요. 세븐일레븐 역사, ~.hwp 국내인터넷서점에대한~.hwp 경제 시사용어.hw~.hwp 더 싸게 팔 수 없도록 정부에서 강행하는 제도 도서의 가격이 어디서나 똑같아짐... 스스로 지우고 있다고 합니다. 예전에 쓴 글이 문제가 돼 사법당국의 수사를 받거나 소송을... 기록한 단어는 `북조선(북한)’인 것으로 나타났다.8일 일본의 대표적인 인터넷 검색엔진 중 하나인... 해서 서버에 업로드해놓고 시청자가 요구할 때 인터넷으로 전송해 주는 것을 의미한다. 과거 일방적인 방송에 비해 편리함이 커서 급속도로 확산되고 있는.. [시사용어사전] '잊혀질 권리' 지우고픈 흑역사는... 평점 5점 독서의 계절 가을이 왔습니다.. 요즘은 인터넷과 스마트폰이 너무 발달되어 책을 사서 읽는 사람...아쉽다는 생각이 드네요.. 오늘은 시사 경제용어 무지 어려운거 같고 딱딱하게 느껴지실 겁니다... 바랍니다. 책을 내며 _4 ㄱ 가상 광고(Virtual Advertising) _8 ㄴ 네트워크준비지수(NRI... Sexy Charisma)▶메트로섹슈얼(Metrosexual)▶웰루킹(Welllooking)▶파운데이션과 비비크림 ◆인터넷포털 필수핵심 시사용어 10 풀이▶디제라티(digerati)▶핀테크(FinTech)▶폐쇄형 SNS▶미사일 경영론▶뉴스... 용어가 한 줄에 엮이듯 한 셈이다. ‘주파수’, ‘지상파’, ‘인터넷’, ‘스마트’, ‘디지털’ 같은 낱말도 각각 여러 용어를 수식해 같은 효과가 났다. 사전처럼 쉽고 빨리 필요한 용어를 찾을 수 있다는... 아이들 (2009-12-11 Friday) (전남,여) 신문이나 인터넷에서 나돌던 단어들.. 귀찮아서 일일이 찾아보진...아름다워 (2009-12-11 Friday) (전북,여) 시사용어 잘 몰랐는데 자료 정리해 주셔서 이해가 좀 되네요... 시사용어집 전자신문사와 공동으로 발간하는 ICT 시사상식에서 발췌된 용어입니다. 종합지원 포털 인터넷등기소: 등기 국회법률도서관: 법률 로앤비: 법률... 나타났다. 일본의 인터넷 검색엔진 사이트인 인포식(infoseek)은 이 같은 검색실태를 집계, 발표했다고... 대한민국 시사용어 해설‘ 도서출판 아젠다넷 아젠다넷 편집부 지음 / 199쪽 값 13,000원 <주요 목차> 1. 경제·금융 bail-out(구제금융) | BIS 자기자본비율 | CDS(신용디폴트스와프) | FTSE 지수 | G20(Group... 원스톱 열람 국내 해외 인터넷 라디오 무료 청취/a> 국내 해외 모든 인터넷TV 방송... 가운데에는 한국말로 천천히 녹아드는 낱말이 더러 있겠지만, 모든 시사용어는 처음부터... 사람...아쉽다는 생각이 드네요.. 오늘은 시사 경제용어 무지 어려운거 같고 딱딱하게 느껴지실 겁니다... 시사상식에서 발췌된 용어입니다. 2003-07-08 18:07:40 2003-07-08 18:07 올 상반기 일본에서 인터넷 시사용어 가운데가장 많은 검색 건수를 기록한 단어는 `북조선(북한)’인 것으로 나타났다.8일 일본의 대표적인 인터넷 검색엔진 중 하나인... 용어를 수식해 같은 효과가 났다. 사전처럼 쉽고 빨리 필요한 용어를 찾을 수 있다는... 사물인터넷을 ‘살아있는 인터넷’으로 비유했으며 2009년 센서 기술로 에너지 사용을 제어 관리... 비해 편리함이 커서 급속도로 확산되고 있는.. [시사용어사전] '잊혀질 권리' 지우고픈 흑역사는... 사전 매스콤 용어사전 - 한국언론재단 딕모아 시사 용어 사전 북한소사전 - 중앙일보 북한대사전 - 북한...국내 영자신문을 원스톱 열람 국내 해외 인터넷 라디오 무료 청취/a> 국내 해외 모든 인터넷TV 방송... 별로 도움이 안되는데 이렇한 사진 인터넷 기타 시사용어를 찾어 보거나 참고할 만한곳이... ⓒ 2015 specup All Right Rerserved 39 시사용어 29 빅 데이터 데이터의 생성 양ㆍ주기ㆍ형식 등이 방대한...데이터를 말한다. 빅데이터는 각종 센서와 인터넷의 발달로 데 이터가 늘어나면서 나타났다. 컴퓨터... HWP) 로 만들어진 경제 시사용어 입니다.경제,시사용어 등등의 설명이 들어있네요 [FileNo : 16034634] 부디 찾으시는 파일 있길 바래요. 세븐일레븐 역사, ~.hwp 국내인터넷서점에대한~.hwp 경제 시사용어.hw~.hwp 방대한...데이터를 말한다. 빅데이터는 각종 센서와 인터넷의 발달로 데 이터가 늘어나면서 나타났다. 컴퓨터... 한국사람이 시사용어를 이럭저럭 쓸 수 있습니다. 그러나, 시사용어로 신문이나 방송이나 인터넷이나 책에...시사용어 가운데에는 한국말로 천천히 녹아드는 낱말이 더러 있겠지만, 모든 시사용어는 처음부터... 잡코리아 리서치 잡코리아 폴 The HR [대학·취업문 여는 한경 TESAT] 테이퍼링·사물인터넷·그림자 금융…알아두면 좋은 시사 용어들 [ 한국경제신문 22회 테샛이 이틀 앞으로 다가왔다. 자주 출제되는 경제... 융합 시사용어」(2008)를 전자신문과 공동으로 출간했습니다. 이 책들이 ICT 대중화와 고급인력 양성에 도움이 되길 바랍니다. 책을 내며 _4 ㄱ 가상 광고(Virtual Advertising) _8 ㄴ 네트워크준비지수(NRI... (리뷰스타 최인갑 기자)최근 인터넷 상에는 이른바 강부자,고소영 등 연예계 인사들의 이름이 정치 및...상에는 이명박 대통령 집권 이후 신종 인기 시사 용어로 고소영, 강부자 등의 이름이 자주 거론이 되고... 관리원 동아닷컴: 현대시사용어사전 기획재정부: 시사경제 한국투자증권: 경제용어사전 S한경: 경제 한국...군수용어사전 개인정보보호 종합지원 포털 인터넷등기소: 등기 국회법률도서관: 법률 로앤비: 법률... 그리드 사업을 총괄하고 있는 캐빈 애쉬튼은 과거 1990년대에 사물인터넷을 창안하여 용어를 처음 사용했다. 그는 사물인터넷을 ‘살아있는 인터넷’으로 비유했으며 2009년 센서 기술로 에너지 사용을 제어 관리... 시사용어 식사는 편의점에서 해결한다. 생필품은 무조건 인터넷으로 주문한다. 급하게 필요한 물건이 생긴다면 슈퍼보다는 편의점으로 달려간다. 들고오기 무거운 생수는 온라인몰에서 구매한다. 편의점과 인터넷... IT시사용어를 쉽게 알 수 있도록 설명한 책으로 반도체, 컴퓨터, 휴대폰, 인터넷, 소프트웨어, 나노, 바이오, 컨버전스에 이르는 시사용어를 총망라했다. 관련 항목에 대한 이해를 돕기 위해 용어 관련 인물과... 경제·금융 bail-out(구제금융) | BIS 자기자본비율 | CDS(신용디폴트스와프) | FTSE 지수 | G20(Group... 10 풀이▶디제라티(digerati)▶핀테크(FinTech)▶폐쇄형 SNS▶미사일 경영론▶뉴스... 이슈&최신 시사용어 최근에는 대입 수시모집에서 실시하는 논술과 면접뿐만 아니라 수능에서도 시사와...지금부터라도 시사에 관심을 갖고 신문이나 잡지에 나오는 이슈를 스크랩해 두거나 TV나 인터넷 등 자신... 다가왔다. 자주 출제되는 핵심 개념과 최신 시사용어를 정리해 보자. 다음은 최근 자주 등장하는 주요 시사...시사2 p13~15, 시사3 p13~14)△인터넷 전문은행 = 은행의 모든 서비스를 인터넷으로 제공하는... 용어들 [ 한국경제신문 22회 테샛이 이틀 앞으로 다가왔다. 자주 출제되는 경제... “인터넷 규제, 도가 지나치다” 김학진 과실연 사무국장 요즘 인터넷의 주요 논객들은 과거에 자신이 쓴 글을 찾아 스스로 지우고 있다고 합니다. 예전에 쓴 글이 문제가 돼 사법당국의 수사를 받거나 소송을... 갖고 신문이나 잡지에 나오는 이슈를 스크랩해 두거나 TV나 인터넷 등 자신... 흔히 사용하시거나 알고 계시는 용어중에 도움이 될만한 것이 있으면 가르쳐 주시면 고맙겠습니다. PS: 국어사전도 별로 도움이 안되는데 이렇한 사진 인터넷 기타 시사용어를 찾어 보거나 참고할 만한곳이... 시사용어 정리로 민트님들의 시사상식이 풍부해지길 바래요~ 1. 도서정가제 도서의 가격을 출판사에서 결정한 가격보다 서점에서 더 싸게 팔 수 없도록 정부에서 강행하는 제도 도서의 가격이 어디서나 똑같아짐... 올 상반기 동안 일본 인터넷에서 가장 많은 검색 건수를 기록한 시사용어는 ‘북조선’이었던 것으로 나타났다. 일본의 인터넷 검색엔진 사이트인 인포식(infoseek)은 이 같은 검색실태를 집계, 발표했다고... 이르는 시사용어를 총망라했다. 관련 항목에 대한 이해를 돕기 위해 용어 관련 인물과... 슈퍼보다는 편의점으로 달려간다. 들고오기 무거운 생수는 온라인몰에서 구매한다. 편의점과 인터넷... 집권 이후 신종 인기 시사 용어로 고소영, 강부자 등의 이름이 자주 거론이 되고... 시사...시사2 p13~15, 시사3 p13~14)△인터넷 전문은행 = 은행의 모든 서비스를 인터넷으로 제공하는...
          

NYC Fintech/ IP Attorney | Bliss Lawyers

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New York, New York, Bliss Lawyers is seeking a Fintech/IP Attorney to work for a virtual legal services firm, on site at one of its banking clients in New York City. Qualified candidates will have at least eight years o
          

Minister Palo viibib EAS-i äridelegatsiooniga visiidil Indias

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Ettevõtlus- ja infotehnoloogiaminister Urve Palo on Ettevõtluse Arendamise Sihtasutusega (EAS) koostöös korraldatud äridelegatsiooniga visiidil New Delhis, Chennais ja Mumbais. Tiheda programmiga visiidi kavas on mitmed kohtumised India ministritega, rahvusvahelised konverentsid ja äriseminarid, kus viiakse kokku Eesti ja India ettevõtjaid ning tutvustatakse mõlema riigi ärivõimalusi. Ettevõtlus- ja infotehnoloogiaminister Urve Palo sõnul on Eesti ja India majandussuhete potentsiaal veel suuresti kasutamata. „Üle-eelmisel aastal müüsid Eesti ettevõtted Indiasse oma kaupu ja teenuseid 81 miljoni euro väärtuses. Kokkuvõttes moodustab eksport Indiasse meie ettevõtete kogutulust vaid umbes 0,5 protsenti, kuid soovime seda kasvatada,“ kommenteeris Palo. India ettevõtete huvi Eesti ettevõtjate vastu on suur, kokku on äridelegatsiooniga kohtumisteks registreerinud ligi 120 kohalikku ettevõtjat. „India puhul on tegemist ühe maailma kiiremini kasvava turuga, kus on nõudlust ka nende toodete järele, mida meil on võimalik eksportida Indiasse,“ sõnas Palo. Eestist on seni Indiasse eksporditud peamiselt masinaid ja seadmeid, paberi- ja puidutooteid, aga ka erinevaid metallikaupu. „Eesti kui väikeriigi majanduse oluliseks hoogustajaks on just eksport. Loodan, et selle visiidiga saame meie IKT-sektori ettevõtetele luua uusi soodsaid võimalusi nende äri kasvatamiseks,“ ütles minister. EAS-i juhatuse esimees Alo Ivask ütles, et India majanduskasvu aeglustumist lähitulevikus näha ei ole ning ka möödunud aastal kasvas India majandus 6,7 protsenti. „Ligi 1,3-miljardilise rahvaarvu, suure nõudluse ja kiire majanduskasvuga turul on Eesti ettevõtjate jaoks palju kasutamata ekspordi- ja koostöövõimalusi. Suurima potentsiaaliga valdkonnad on näiteks info- ja kommunikatsioonitehnoloogia, logistika, bio- ja tervisetehnoloogia ning targa linna ehk smart city lahendused,“ sõnas Ivask. Minister Palo visiit koos Eesti ettevõtetega kestab 12. märtsini ja viib äridelegatsiooni kolme linna, New Dehlisse, Chennaisse ja Mumbaisse. Visiidi käigus toimuvad äriseminarid koos India ettevõtetega, arvukad kohtumised kohalike ettevõtlusorganisatsioonidega kui ka osaletakse IKT-messil ja kahel rahvusvahelisel konverentsil. Minister Palo kohtub India justiits- ja IT-asjade ministri, välisasjade riigiministriga, Tamil Nadu osariigi peaministri, IT-ministri, tööstus- ning kaubandusministritega ning Maharashtra osariigi peaministriga. Minister avab visiidi käigus ametlikult Eesti aukonsuli Dr Velu esinduse Chennais ning Eesti suursaadik Indias Riho Kruuv korraldab Eesti 100. aastapäeva puhul vastuvõtu. Äridelegatsiooni kuuluvad ettevõtjatest Comodule, Rose Mons, Guardtime, Velmenni, TransferFriend, Jobbatical, EnLife ja Nordic Automation Systems ning e-residentsuse ja Work In Estonia programmi esindajad. Programmi detailsem kirjeldus: New Delhis külastab äridelegatsioon Lõuna-Aasia suurimat IKT-messi „Digital Convergence India Conference and Exhibition“, kus minister esineb avasõnavõtuga. Samuti osaleb minister konverentsi „CII IWN Conference on Women Achievers: Creating New Possibilities, New Horizon” avasessioonil. Äridelegatsioon osaleb äriseminaril India juhtivate targa linna sektori ettevõtetega ning samuti antakse neile ülevaade India valitsuse tegevustest targa linna arendamisel. New Delhis on äridelegatsioonil plaanis ka teine äriseminar, mis toimub koostöös India telekommunikatsiooni operaatorite ühendusega (COAI). Minister ja ettevõtjad kohtuvad Invest India esindajatega, kes tutvustavad turule sisenemisega seonduvat ning India investeerimiskeskkonda. Veel külastatakse Delhi tehnoloogiainstituuti IIIT Dehli, kus minister Palo teeb küberjulgeolekuteemalise avaliku ettekande. New Dehlis kohtub minister Palo India justiits- ja IT-asjade ministri ja välisasjade riigiministriga. Visiidi käigus leiab aset ka e-residentsust tutvustav seminar. Eesti suursaadik Indias Riho Kruuv korraldab Eesti 100. aastapäeva puhul vastuvõtu. New Delhist suundutakse edasi Chennaisse, kus on plaanis kohtumised Tamil Nadu osariigi peaministri, IT-ministri ja ka tööstus- ning kaubandusministritega. Kohtutakse ka India ettevõtjatega ning toimub ümarlaua arutelu India tööstuse konföderatsiooni esindajatega. kohtumised kohalike ettevõtjatega ning ümarlauaarutelu India tööstuse konföderatsiooni esindajatega. Lisaks avab minister Palo visiidi käigus ametlikult Eesti aukonsulaadi Chennais, kus aukonsuliks on Dr Velu. Eesti suursaadik Indias Riho Kruuv korraldab Eesti 100. aastapäeva ja ministri visiidi puhul vastuvõtu. Kolmanda linnana külastatakse Mumbaid, kus toimub kaks äriseminari, mis on korraldatud koostöös Export and Import Bank of India’ga ning IMC kaubandus- ja tööstuskojaga. Samuti on ettevõtjatel plaanis kahepoolsed kohtumised India ettevõtjatega. Mumbais külastatakse ka Bombay börsi ning seal asuvaid Zone Startups Indiat ja Fintech Startup inkubaatorit. Ka Mumbais toimub visiidi raames e-residentsust tutvustav seminar. Minister Palo on avakõnelejaks Mumbais toimuval rahvusvahelisel konverentsil The Gateway of India Geoeconomic Dialogue. Visiidi kavas on ka kohtumine Maharashtra osariigi peaministriga. Äridelegatsiooni programm on koostatud EASi ekspordi- ja välisinvesteeringute nõuniku Ankit Bahli, Eesti suursaatkonna New Delhis ja Majandus- ja Kommunikatsiooniministeeriumi koostöös.
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EQUITY ALERT: Rosen Law Firm Announces Filing of Securities Class Action Lawsuit Against Up Fintech Holding Limited; Encourages Investors with Losses in Excess of $100K to Contact the Firm - TIGR

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UP FINTECH ALERT: Bragar Eagel & Squire, P.C. Announces That a Class Action Lawsuit Has Been Filed Against UP Fintech Holding Limited and Encourages Investors to Contact the Firm

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11/6/2019: FINANCIAL POST: Fintech startup Planswell lays off 57 employees, shuts down amid steep loss

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TORONTO Online personal-finance startup Planswell is shutting down, laying off 57 staff following a long stretch of financial instability and public allegations of sexual misconduct against a former executive. “Our leadership spent every waking moment...
          

Senior Director, Strategic Relationships

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About Ondot SystemsOndot Systems is the global leader in powering mobile payment services, serving over 4,000 financial institutions across four continents. The company's real-time platform, built upon an API based services-oriented architecture, gives financial institutions a competitive edge by increasing mobile engagement and empowering their customers to personalize, manage and control how payments are made in today's world of always-on digital commerce, resulting in higher usage of payment instruments while lowering fraud incidents. Ondot offers a unique market opportunity in a hot industry. Join us on this exciting journey!
Senior Director of Strategic RelationshipsThis is a fantastic opportunity to grow your career with a top-flight Fintech company at the intersection of payments, digital banking, and interactive data analytics. If you're seasoned client engagement and relationship manager with proven results in growing strategic client relationships in the financial services sector, we'd be delighted to have you join our team.
Responsibilities:
  • Serve as the primary executive point person for Ondot's overall engagement within your clients.
  • Meet or exceed revenue, bookings, and relationship expansion targets.
  • Develop, manage and maintain strong, active consultative relationships with executive managers at your clients.
  • Thoroughly understand your clients' business and objectives and strategize with Ondot product, business development, and senior management team members to identify new opportunities and service areas.
  • Ensure appropriate response, escalation and closure of client requests and initiatives. Qualifications:
    • Minimum 15 years of experience serving national/global financial institutions or processors in relationship management and/or business development roles for fintech software/solutions companies.
    • Wake up every day excited to drive growth. Strong, proven ability, aptitude and desire to network and to earn the confidence of diverse senior client leaders in marketing, sales, product, technology, operations, finance, and procurement functions.
    • Technology acumen and ability to develop a solid understanding of Ondot's products and services.
    • Excellent communication skills - written and verbal - comfort presenting and engaging at senior levels.
    • Demonstrated track record of success in building and maintaining relationships with senior client leaders.
    • Financial acumen and understanding of banking business models.
    • Strong negotiation skills with a problem-solving attitude.
    • Organized, detail-oriented, flexible, self-starter and highly motivated.
    • Creative, positive and collaborative problem solver.
    • 25 to 30% travel - significant time spent at client facilities.

    • Education Requirements: Bachelor's degree with a Business or Marketing emphasis preferred; relevant, equivalent work experience may be substituted for a degree.
          

Fintech is growing fast from small seeds

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Ireland has long positioned itself as a global centre for innovative ICT, but not all ... but it has always existed; it's just now that people are recognising it.


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Director of Credit Risk

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JCW is recruiting for a senior level Credit Risk Director for a growing FinTech company in Wilmington, Delaware (also open to San Francisco Bay Area). The successful candidate will have direct experience in
The responsibilities of the role:
  • Develop performance trends for Credit on a monthly, weekly, and ad-hoc basis.
  • Automate reporting processes using various technological platforms.
  • Conduct trend analysis and performance discrepancy analysis to drive business change.
  • Forecast Credit losses on the organization's loan portfolio.
    The successful candidate will have the following:
    • Master's degree in Statistics, Mathematics or other quantitative major required.
    • 7+ years of experience in financial services and quantitative analytics.
    • Strong experience with SQL, SAS. Excel, and Statistical modeling required.
      For more information about this or other positions, please contact Kevin Groome at or .
          

CNote Announces New CDFI Partner Committed to Housing Affordability and Community Resilience, Renaissance Community Loan Fund

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Innovative FinTech platform inks deal to become new capital source for Mississippi lender committed to economic development.
          

Release Train Engineer (RTE) - Scrum Master

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Requisition Number 13099 Location(s) Cincinnati,Ohio Position Type Full-time Shift First Eligible for Relocation No Job Description The Company We lift economies and communities by advancing the way the world pays, banks and invests. Since our two companies came together, Worldpay has formed the Merchant Solutions division of FIS. We call it "Worldpay, from FIS". In the time you've taken to read this one sentence, our platforms have processed over 8,000 transactions and this number grows daily. FIS stays ahead of how the world is evolving to power businesses, across merchants, banking and capital markets, to outpace today's fast-changing competitive landscape and help our clients run, grow and achieve more for their business. We want all our people to bring their very best self into work, and that means balancing priorities and passions, at work and at home. We create teams without barriers, fostering creativity and innovation - behaviors that we value in everything we do. Join us now to realize your own future growth and success. The Opportunity As Worldpay grows, we must be proactive in assuring we stay ahead of the curve with truly cutting-edge products and services. The payments industry is in rapid evolution with the implementation of new technologies. By hiring the best minds that understand that new features and capabilities are just as important as security, Worldpay will continue to beat the competition with our offerings. Whether it's dedicated to new products and services, or ensuring we have the best infrastructure out there, Worldpay is dedicated to tech. GENERAL FUNCTION: RTE Coordinates development work consisting of multiple Epics and Features of varying sizes across the Agile Train and the Enterprise Consistently mitigates program risks and optimizes resources and program effectiveness Demonstrates Lean Agile best practices Delivery commitments are met consistently and aligned with targeted program/Train outcomes Relationships across agile teams, and with cross-functional teams, are highly engaged and collaborative. A World of Opportunity We're turbo-charging our industry by nurturing the fintech experts needed to help our customers prosper. We don't try to ride the winds of change. We create them. We're proud to be shaping the future of payments by supporting the growth and development of our colleagues. We provide opportunities to learn and the flexibility needed to get the job done. We strive to hire the best and to create a climate where curiosity is king. So, wherever you join us around the world, we'll empower you to fulfill your potential. If this is the kind of career experience you're looking for, we invite you to apply today. The Day-to-Day DUTIES AND RESPONSIBILITIES: Manage and optimize the flow of value through the program using various tools, such as the Program Kanbans and information radiators Facilitate PI Planning readiness via fostering the preparation of Vision and Backlogs, and via Pre- and Post- Planning meetings Facilitate PI planning Aggregate Team PI Objectives into Program PI Objectives (the RTE) and publish them for visibility and transparency Assist with execution and Feature completion tracking Facilitate periodic synchronization meetings, including the ART sync at the Program Level Assist with economic decision-making by facilitating feature estimation by teams and the roll-up to the Portfolio Level Escalate and track impediments Encourage the collaboration between teams and other trains Work with Product Managers, Product Owners, and other stakeholders to help ensure strategy and execution alignment Help manage risks and dependencies Report status to Program Portfolio Management and Release Management and support related activities Understand and operate within the ART Budget Provide input on resourcing to address critical bottlenecks Facilitate and attend System Demos Drive continuous improvement via Inspect and Adapt workshops; assess the maturity level of the program and help improve Encourage Team Level and program level Continuous Integration and Communities of Practice around SAFe, Agile, and Lean and around Engineering and Quality Practices Coach leaders, teams, and Scrum Masters in Lean-Agile practices and mindsets, including Stakeholders (e.g. LOB, Ops, etc.) Qualifications: Typically requires a minimum of 8 years of related experience with a Bachelor's degree; or 6 years and a Master's degree; or a PhD with 3 years of experience; or equivalent experience. Knowledge of the software development life cycle Certified scrum master/scrum practitioner - Multiple years' experience working with an agile methodology during a large scale, complex new development project for a large enterprise Excellent communication skills in English in written and spoken form Excellent team player and team builder Strong attention to detail and follow-through skills. Ability to work with minimal supervision in a very dynamic and timeline sensitive work environment Understand and coach fundamentals of iterative development Understand other processes and methodologies and can speak intelligently about them and leverage other techniques to provide value to a team/enterprise Understand and coach fundamentals of agile software development processes and procedures Understand the value of commitments to delivery made by a development team Understand incremental delivery and the value of metrics Understand backlog tracking, burndown metrics, velocity, and task definition across the Train Familiarity with common Agile practices, service-oriented environments, and better development practices All the above duties and responsibilities are essential job functions for which reasonable accommodation will be made. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. This position description is not to be construed as an exhaustive statement of duties, responsibilities or requirements. Colleagues may be required to perform any other job-related instructions as requested by their leader, subject to reasonable accommodation.
          

Fintech Startup Raises $16 Million, Buys Assets From Aon Affiliate To Administer Extended Warranties

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Less than a year after Woodrow Levin’s interest in online insurance was piqued by fantasy football, his fintech startup is acquiring part of an insurance giant.
          

Koningin Máxima houdt toespraak bij Singapore FinTech Festival

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Hare Majesteit Koningin Máxima houdt woensdag 13 november als speciale pleitbezorger van de VN secretaris-generaal voor inclusieve financiering voor ontwikkeling  (UNSGSA) een toespraak bij het ‘Singapore FinTech Festival’. De conferentie richt zich op de ontwikkeling van technologie voor betere toegang tot financiële diensten (fintech) en wordt van 11 tot 15 november in het Singapore Expo Convention and Exhibition Center gehouden.
          

到海外去 | S1E17 时光机理论有时会不灵吗?

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「声动活泼」 到海外去 | S1E17 时光机理论有时会不灵吗?

主播丨徐涛     嘉宾丨戴雨森 秦天一

后期制作丨迪卡普里鑫


「到海外去」第 17期


不同国家和行业之间的发展不平衡,发展逻辑却类似。那些在发达市场发生过的情况,在比较落后的市场会再发生一遍,这就是软银创始人和总裁孙正义的“时光机理论”。这个理论在中国公司出海过程中能完美生效吗?

本期节目,我们和真格基金的戴雨森、秦天一 ,来聊一聊出海策略的话题。戴雨森是真格基金合伙人,也是聚美优品的联合创始人之一;秦天一是真格基金投资经理,曾在腾讯集团担任MIG海外创新团队产品经理。

这期节目里,你能听到两位嘉宾对“时光机理论”不尽相同的观点,以及他们看待新兴市场机会的方法论以及投资策略。

如果你想加入到海外去社群或成为到海外去VIP,都可以添加我们的小助手出海小助手,微信号是 gochuhai,你也可以写邮件到  gochuhai@gmail.com 对本期节目进行交流。

另外,「声动活泼」正在筹划新一档播客节目 ——「反潮流俱乐部」。

在这档节目里,我们会涉足时尚和潮流圈,并展示背后或有趣或深刻的那一面,我们向全球征集111个支持者,如果你感兴趣,可以在下面三个众筹平台上支持到我们,并能获得相应的权益。

国内用户 「冲呀 」(https://www.chongya.com/@shengfm)

国内用户「爱发电」(https://afdian.net/@shengfm)

国外用户「patreon」(https://www.patreon.com/shengfm)

本期讨论的主要问题

  • 投资人视角下的出海观察

  • 新兴市场出海方法论

  • 时光机理论的启发和误区

  • 以印尼和印度为例的出海本地化举例

  • 今日头条、腾讯、阿里等中国大厂的出海

  • 最近真格基金关注的出海方向

  • 真格对于出海人才的选择标准

The Takeaway

  • 如何在海外市场投资,有一个简单的二分法标准。第一是这个市场的收入水平(牌桌上有多少钱可以赚),第二是这市场创业者的竞争强度(打牌的水平有多高)。这样会得出一个 22 的矩阵,中国和美国所在的象限属于有很多钱可以赚,但是大家的这个竞争强度也很高;中东所在的象限竞争相对没那么激烈,也会有很多钱赚,但总的市场规模相对较小;

  • 不能教条地去照搬时光机理论,你要理清楚自己为什么要去做出海?在当地呆过多久,结交过多少当地朋友,深度访谈的用户有多少,而不是只从商学院的商业模式分析。

  • 从13年9月开始,国内第一批出海,到现在一共经历了好几代:第一代是以猎豹为代表的流量出海,做各种各样的工具;第二代是像做直播一样的内容新闻聚合出海;第三代是做宽带出海,以及跨境电商和物流工具,第四代是 Fintech  (互联网金融出海),而第五代出海就会非常本地化,如当地的物流和品牌的出海。

访谈中提及名词

  • Club Factory印度排名前三的电商平台,在印度市场提供零门槛货到付款服务,配送范围覆盖印度70%以上地区,2019年初完成了1亿美元 D 轮融资。

  • Go-Jek,一家位于印尼的共享出行服务商。客户可以使用该公司的服务去付费购买咖啡、百货生鲜、各种门票车票,以及其它商品和服务。《财富》2019年发布的“改变世界的企业”榜单,Go-jek排名第11位。

  • Lazada,东南亚地区最大的在线购物网站之一。目标主要是印尼、马来西亚、菲律宾以及泰国用户。《2019胡润全球独角兽榜》,Lazada排名第50位。

  • musical.ly,一款音乐类短视频社区应用,全球日活跃用户数超过2000万,其中北美活跃用户超过600万。2017年,今日头条10亿美元购北美音乐短视频社交平台Musical.ly。

  • Tinder,2012年推出的一款国外手机交友APP,Tinder在2019年第二季度末拥有520万付费用户。

  • DAU,日活跃用户数量。

往期节目

海外投资:少谈些风口,多发现机会

投资出海三年,他们说中国企业出海会是一个新常态

40亿美元撬开东南亚市场,阿里和Lazada有何心得?

BGM

片头片尾音乐 :MOSAIC by Lahar https://soundcloud.com/musicbylahar Creative Commons-Attribution 3.0 Unported - CC BY 3.0 http://creativecommons.org/licenses/by/3.0/ Music promoted by Audio Library https://youtu.be/z20cNsDvR1Q


          

Stealth fintech startup Digits raises $10.5 million Series A from Benchmark and others

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Stealth fintech startup Digits, from the same team that built Crashlytics to scale then sold to Twitter for more than $100 million, has raised a $10.5 million round of Series A funding, the company is announcing today. The round was led by Benchmark and has the backing of 72 angels, including founders and CEOs from […]
          

European Fintech Investment Surpassed Asia

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  intech is Europe’s largest venture capital (VC) investment category, receiving 20% of all VC investment in the region between 2017 and 2019 year-to-date (YTD), surpassing enterprise software (17%), health (13%) and transportation (8%), according to the State of European Fintech 2019 report by Dealroom, in partnership with Finch Capital. In Europe, fintech investment is gaining momentum, […]

The post European Fintech Investment Surpassed Asia appeared first on The Citizen Recorder.


          

Khai mạc Ngày trình diễn giải pháp công nghệ tài chính Việt Nam 2019

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Ngày 7/11, tại Hà Nội, trong khuôn khổ Chương trình Thử thách sáng tạo cùng công nghệ tài chính Việt Nam 2019 (Fintech Challenge Vietnam- FCV 2019), ngày trình diễn giải pháp công nghệ đã diễn ra với sự tham gia của 16 đội vào vòng chung kết, thu hút gần 100 đại biểu tham dự, bao gồm ban giám khảo đến từ Ngân hàng Nhà nước (NHNN), ADB, WB và các đối tác của chương trình.
          

На стыке технологий, бизнеса и права

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Современные тренды в области финтеха на основе кейсов одной ИТ-компании обсудили участники семинара ТЕКО: Direct Speech. Мероприятие прошло 1 ноября на столичной ивент-площадке Таблица. Его организаторами выступила международная процессинговая платформа ТЕКО совместно с НСФР и инновационным центром «Сколково».


В ходе семинара ТЕКО вместе со своими партнерами, в числе которых были компания Теле 2, инновационный центр «Сколково», Росбанк, GroupIB на примере конкретных кейсов описали, как в реальных условиях внедрялись и применялись различные разработки компании: BoxRetail (решение для централизации систем управления ритейл-бизнесом), OpenOne (единый реестр данных для всех участников сделки – банков, дилеров, розницы, процессинговых систем), кросс-сейл (страховки и пр. продукты), ThunderBot (поддержка, новые каналы привлечения клиентов, роботизация процессов), системы информационной безопасности.

О высокой значимости взаимодействия банков и финтеха, открывая мероприятие, сказал Андрей Емелин, председатель Национального совета финансового рынка (НСФР): «Участники финансового рынка расценивают сотрудничество с представителями финтеха, как одно из главных стратегических направлений». По словам главы НСФР, в ситуации, когда большинство российских банков в силу целого ряда ограничений с точки зрения регуляторики, информационной безопасности вынуждены вести себя осторожно и консервативно в плане внедрения инноваций, финтех-компании показывают себя более гибкими и динамичными сподвижниками технологического прогресса в сфере финансов. Для НСФР, как отметил Андрей Емелин, принципиально важно погрузиться в вопросы информационной безопасности, внешнего взаимодействия с государственными информационными системами, прийти к пониманию базовых технологических моментов, чтобы в дальнейшем ретранслировать это понимание банкам и другим участникам финансового рынка при работе над формированием нормативной базы и профильного законодательства. «Финансовая сфера становится все больше и больше цифровой. А финтех сегодня находится на стыке технологий, права и бизнеса. На нашем сегодняшнем мероприятии НСФР представляет область права, банки – бизнес, а ТЕКО – технологии», – сказал Андрей Емелин. Именно это единение, по его словам, дает ту синергию, которая позволяет российскому финансовому рынку оставаться в авангарде в сфере диджитал на мировом уровне.

В роли модератора мероприятия выступил Тимур Аитов, заместитель председателя комиссии по цифровым финансовым технологиям совете Торгово-промышленной палаты РФ по финансово-промышленной и инвестиционной политике, заместитель генерального директора группы компаний «Программный продукт».

Илья Безруков, управляющий директор группы компаний ТЕКО, призвал крупный бизнес активнее заказывать разработки у стартапов. При этом он заметил, что членство в НСФР позволило ТЕКО наладить коммуникации и донести технически прогрессивные идеи компании до руководства крупнейших банков, ритейл- и телеком-компаний. Его подержал Павел Новиков, директор центра компетенций Fintech & Blockchain инновационного центра «Сколково», который назвал мифом то, что крупные банки способны исключительно сами придумывать и создавать инновационные финансовые продукты. Кроме того, он отметил, что на принятие решения о необходимости того или иного решения у банка могут уйти месяцы, тогда как маленькие технологичные компании работают в этом плане практически моментально.

Павел Новиков, директор центра компетенций Fintech & Blockchain инновационного центра «Сколково». Фото: Sk.ru

При этом он привел данные недавних исследований McKinsey&Company, согласно которым банки в мире тратят на инновации 35% своего бюджета, тогда как финтех-компании – 70%. Там же говорится, что 50% банков будут уязвимы перед новым экономическим кризисом, при том, что банковский бизнес становится все менее рентабельным – доходность на капитал у 36% банков составляет лишь 1,6%. Для сравнения он привел показатели Банка Тинькофф и Сбербанка, у которых ROE соответственно – 60% и 23%, но которые очень много вкладываются в финтех. «Самая крупная ИТ-компания России – это вообще Сбербанк. И по объемам инвестиций, по количеству занятых по ИТ-направлению людей», – констатировал Павел Новиков.

Анализ, проведенный ИЦ «Сколково» показал, что у финтех-стартапов – резидентов Сколково в 2018 году больше всего было заключено контрактов именно с банками – более 200. Самым большим «потребителем» стартапов является Сбербанк, который в этом году в той или иной форме привлек к своей работе 23 финтех-компании. Тинькофф занимает третье место (14 стартапов). На второе вышел ВТБ, который с недавних пор очень активно включился в процесс цифровизации и сумел привлечь 18 технологических компаний с их придуманными решениями. В среднем банки, входящие в топ-10 заключили по 10 контрактов со стартапами. Средняя выручка финтех-стартапов – резидентов Сколково за прошлый год составила 65 млн рублей. При этом единственным способом для выживания некрупных банков, не обладающих достаточными ресурсами для самостоятельного технологического развития, Павел Новиков назвал укрупнение или объединение в открытые финтех-комьюнити. Или, как альтернативный рецепт – фокусировка на отдельных бизнес-нишах с соответствующей «оцифровкой».

Самим стартапам эксперт посоветовал стараться как можно быстрее выходить на экспорт. «В России весь венчурный рынок за 2018 год – $410 млн. В мире $250 млрд. То есть у нас всего 0,16% от всех венчурных инвестиций. Здесь деньги привлечь невозможно. Государство пытается частично заместить недостающие частные средства, но этого явно недостаточно. «Поэтому максимально быстро нужно выходить на экспорт», —сказал он.

Евгений Кананович, директор по информационным технологиям ТЕКО, рассказал о формировании экосистемы ТЕКО и провел краткий обзор продуктов, которые в ходе мероприятия более подробно презентовали менеджеры компании, а также представители партнеров.

    

Источник: finversia.ru


          

Fintech startup Digits gathers $10.5 mln Series A

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Digits, a fintech startup, has secured $10.5 million in Series A funding, according to a blog post on its site. The investors included Benchmark.
          

Standard Chartered Joins Enterprise Ethereum Alliance

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Standard Chartered today announced that it has joined the Enterprise Ethereum Alliance (EEA). The EEA is a members-driven standards organisation whose charter is to develop open, blockchain specifications that drive harmonisation and interoperability for businesses and consumers worldwide – one that is backed by the largest developer community in the world and a worldwide member-base.

As a member of the EEA, Standard Chartered will collaborate with industry leaders in pursuit of Ethereum-based enterprise technology best practices, open standards, and open-source reference architectures. The Bank views blockchain as central to banking and commerce in the digital era, so transactions can be verified, secure and processed in real time.

“Technology enables us to facilitate trade and investment across our footprint markets, improving client experiences and offering new services,” said Dr Michael Gorriz, Group Chief Information Officer at Standard Chartered. “We are excited to be a part of the EEA and look forward to opportunities where we can collaborate with other leading industry players to deepen blockchain research and application in the banking sector.”

The EEA membership base represents hundreds of companies from every region of the world across a wide variety of business sectors, including technology, banking, legal, government, healthcare, energy, pharmaceuticals, marketing, and insurance. The EEA’s Special Interest and Technical Working Groups define market requirements needed to contribute to future versions of the EEA specification, helping to scale the number of market categories the specification supports.

Standard Chartered has been working with various industry partners and fintechs to explore the use of innovative technology to make financial systems more efficient and accessible for its clients. The Bank is one of the founding members of Voltron, a blockchain-based open industry platform that was launched in October 2018 to digitally create, exchange, approve and issue Letters of Credits (LCs), and recently issued the first LC over the platform for the oil industry. It is also co-creating blockchain-enabled supply chain financing solutions with China-based Linklogis, completing its first joint deep-tier supply chain financing transaction for Digital Guangdong and its upstream suppliers.

Other initiatives also include the Bank’s partnership with Ant Financial to launch the world’s first blockchain-enabled cross-border remittance service from Hong Kong to the Philippines, as well as a collaboration with Siemens Financial Services and TradeIX, a digital trade provider, to create blockchain-based smart guarantees for trade finance. The bank has also invested in Ripple, a leading distributed ledger company. It is participating in regulator-led initiatives including Project Inthanon in Thailand led by the Central Bank of Thailand to develop a Central Bank Digital Currency; and Project Ubin led by Monetary Authority of Singapore to explore the use of distributed ledger technology for the clearance and settlement of payments and securities.


About Standard Chartered

We are a leading international banking group, with a presence in 60 of the world’s most dynamic markets and serving clients in a further 85. Our purpose is to drive commerce and prosperity through our unique diversity, and our heritage and values are expressed in our brand promise, Here for good. Standard Chartered PLC is listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India.

For more stories and expert opinions please visit Insights at sc.com. Follow Standard Chartered on TwitterLinkedIn and Facebook.

 


          

CULedger and Autonomous Lending Partner to Provide Credit Unions and Members with Advanced Identification Methods and Data Protection

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To address the rapidly evolving, tech-focused demands from members, CULedger and Autonomous Lending’s partnership is designed to help credit unions remain competitive, relevant and technologically advanced. According to research from MarketWatch, global fintech growth will exceed 22% year-over-year through 2023. These fintech companies have leveraged “AI, blockchain, cryptography, biometrics and identity management,” which allow them to engage customers without brick and mortar locations. Additionally, the Credit Union Tracker, a monthly resource by PSCU and PYMNTS that monitors credit union industry trends and changes, earlier this year found that 79% of credit union members reported that they would stray from their credit unions to access fast, convenient services from a fintech provider.
          

Was China Really Behind Bitcoin's Latest Jump?

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The convenient timing between Bitcoin's latest +30% surge and President Xi Jinping's public praise of blockchain technology last week might be surfacing a connection between the two events, as reported by many fintech media outlets.
          

Juniper Research's Future Digital Awards for Fintech & Payments 2019 Winners Announced

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This category recognises the most impactful financial products and services operating across numerous areas, including: Banking, Fraud & Security, and Retail & Payments. Juniper Research has identified the following organisations that are driving innovation and growth.
          

Engineering: Senior Machine Learning Engineer - Los Angeles, California

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We've partnered on an exclusive basis with a leading FinTech brand based out of Santa Monica. They're on the market for a Senior Machine Learning to sit in their Data team. This role will require an ML Engineer who can bring ML models into production together with a team of product analysts, data engineers, and product managers. Skills/Qualifications: 3 years of experience with Machine learning techniques like classification, regression, anomaly detection, and clustering. Experience with data analysis languages such as Python or Scala. Experience with bringing at least 2 models to production. In addition to extremely competitive cash compensation - which includes a quarterly performance bonus - they offer; a generous stock package, 100% coverage of health benefits (incl. coverage for dependents), 401K match, monthly fitness reimbursement, referral car buying program, unlimited PTO, parental leave, plus 10 paid federal holidays. If interested in learning more about this opportunity, then reach out ()
          

Top questions lenders should ask fintech partners

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The number of fintechs seeking lending partnerships is growing, and lenders are coming to terms with the risks and rewards of such alliances. Fintechs offer great opportunities, including reaching new customers, improving customer service, automating manual processes, reducing costs and improving service in the way consumers obtain financing. These opportunities also bring risks associated with […]
          

Fintechs TransferWise and GoCardless Partner to Let Businesses Collect Recurring Cross-Border Payments

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Network will allow companies to collect subscription revenue without need for local bank account.
          

Mobile Device Developer

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Are you passionate about software development? Interested in cutting edge projects in fintech space? Have experience with mobile stack building financial applications? Earned some battle scars with Andriod SDK or IOS. This is an excellent opportunity for an experienced individual to join our software development team and lead technical work on foundational platform for the next generation of our software products in tax preparation and financial advisory markets. We are a fast moving, get-things-done bunch looking to leverage the latest mobile and cloud-based tooling and microservices-based design to disrupt traditional tax filing industry and delight our users with the seamless, high-touch experience across online, mobile and IoT platforms. Major responsibilities of the position are listed below. * Collaborating with UX, design and engineering to help implement innovative solutions for the product direction. * Support, maintain and document software functionality. Makes recommendations on and influences engineering processes and methods. * Visuals and experience Develop and test new enterprise application features using test-driven development. * Perform enhancements or maintenance to existing software solutions. * Provide technical guidance on a wide range of systems/projects. For immediate consideration please send your resume directly to Monty.sullivan@rht.com- Bachelors or advanced degree in Computer Science or related discipline. * Significant experience in designing and delivering commercial-grade iOS or Android solutions that are highly available and scalable. * 3-5 years- experience in Swift / objective C or Android-Java / Kotlin programming. * Good knowledge on Design patterns, Data structure, algorithms * Familiarity with unit testing, TDD, continuous integration / deployment (Jenkins, TFS), pair programming, and agile methodologies * Experience with .NET is highly desirable. * Experience using CI-CD tools, containerized deployments and cloud architecture (AWS, Azure) * Experience working with hybrid frameworks like Xamarin / React-Native is preferred * Experience with integrating third-party libraries and APIs * Working knowledge of the general mobile landscape, architectures, trends, and emerging technologies. * Solid understanding of the full mobile development life cycle, Human guidelines, design - provided by Dice
          

TradingCompared

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TradingCompared

TradingCompared compares trading services specifically for the beginner, we are the only comparison site that offers to pay your minimum deposit. Tradingcompared is free for everyone but earns a commission from some of the brokers. We help you find the best broker that is suitable for your needs.


Category: Bitcoin - Cryptocurrency and FinTech
: 19 Glen Road
: Norton
: UK
: United Kingdom
: http://tradingcompared.co.uk
:
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Software Development Engineering, Staff

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SunIRef:it Software Development Engineering, Staff Fiserv, Inc. 2,002 reviews - Lincoln, NE Fiserv, Inc. 2,002 reviews Read what people are saying about working here. What does a great Software Development Engineering, Staff do? Fiserv is seeking a talented software engineer to join our Bank Solutions division. This position requires involvement in regular new product developments as well as adaption activities on existing software. As a Software Developer, you will work together with product management, marketing, designers, technology, and architecture teams; working in an iterative/Agile environment. You provide technical leadership for solving complex programming tasks. You are responsible for the usage of technologies across the existing client products. You will also design and maintain coding standards to enhance application development and maintenance. Assist team to explain functional requirements and review test cases. Basic Qualifications for Consideration: Associates degree in Computer Science, Engineering or related field 1+ years of experience developing in software languages such as Java, C, C#, VB .net, or COBOL in a professional work setting Good understanding of software development and ability to analyze solutions and design Quick learner, eager to use new technologies in a team with varied strengths environment Preferred Skills, Experience, and Education: Previous experience in I-series AS400 development Related banking industry experience in platforms, banking applications, or online financial solutions Experience with Automation, Unit Testing and Powershell Experience with Agile Methodology frameworks and associated tools such as JIRA/Confluence Disciplined approach to development including quality, testing, and documentation Influence, challenge, and defend technology decisions, not just execute static requirements Great communication, collaboration, teaming, self-management, and organization skills Analytical skills in problem solving and troubleshooting Good interpersonal skills with the ability to quickly develop working relationships Personally motivated to excel in assignments, continuously self-educate, and mentor other team members Who We Are: Bank Solutions is a division of Fiserv where we support and deliver award-winning banking solutions. Whether a Financial Institution wants an out of the box internet banking solution or one that can be customized to be integrated with third party applications, we have solutions. Our Banking solutions have received industry recognition and awards, as well as top rankings from leading analyst firms. The awards recognize not only how easy our solutions are to use, but also how they build enhanced revenue opportunities for Financial Institutions Learn more about Fiserv: Life moves fast. And as it does, we know most people aren't thinking about financial services But we are. We help people and businesses move money and information every minute of every day. Our solutions connect financial institutions, corporations, merchants and consumers to one another, millions of times a day, behind the scenes, reliably and securely. We're Fiserv, a global leader in Fintech and payments enabling innovative financial services experiences that are in step with the way people live and work today. The company's approximately 44,000 associates proudly serve clients in more than 100 countries, so their customers, members and consumers can move money when and where they need it, at the point of thought. Our Aspiration is to move money and information in a way that moves the world. As a FORTUNE 500 company and one of FORTUNE Magazine World's Most Admired Companies for the sixth consecutive year, we are committed to excellence and purposeful innovation. In this role you will be aligned with solutions to our banking customers. We deliver comprehensive bank platforms and value-added products and services for community, mid-tier, and large financial institutions. We offer flexible technology solutions that enable financial institutions to quickly align to customers' expectations. With a modular approach to delivery, financial institutions can preserve platform investments while delivering both updated functionality and a consistent experience across channels. From understanding consumer needs based on the latest research to analytics and advisory services that help identify growth opportunities from accounts, payments and industry data, we help clients access and act on data to create better outcomes. Fiserv bank platforms - Cleartouch, DNA, Precision, Premier, Signature - enable banks to efficiently manage a wide range of activities such as account opening, deposits, withdrawals, loans, customer information management, and general ledger and accounting tasks. Each Fiserv bank platform has unique capabilities, but they all help our clients improve customer service and streamline their back-office operations. We welcome and encourage diversity in our workforce. We are an equal opportunity employer/disability/vet. Explore the possibilities of a career with Fiserv and Find Your Forward with us. Fiserv - Today report job - original job
          

Overnight Customer Service Representative

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Customer Service Representative

You

have a positive outlook and youre a natural problem-solver. Youre a

skilled communicator whos patient, knows how to listen and is eager to

learn. If this is you, you belong on our team. Our Customer Service

Representatives are the face of our company. Youll work directly with

customers in a fast-paced retail setting that offers a wide array of

cash and financial services. Ready to grow? Lets talk.

Founded

in 1996, Advance Financial is a leading multi-state fintech company

based in Nashville, Tennessee. With more than 100 stores in Tennessee

and more than 1,100 employees, the family-owned and operated company is

aggressively investing in the expansion of its market presence. In

keeping with its vision of a world-class customer experience, Advance

Financial is delivering instant lending decisions and brick-and-mortar

money services 24/7/365. In 2018, the company was named to the Inc. 5000

list of the fastest-growing private companies in the country for the

seventh year in a row and it is rated A+ by the Better Business Bureau.

The Nashville Business Journal also named Advance Financial as 2018s

fourth fastest growing company in the Nashville market, and Forbes

included the company on its 2018 list of Best Employers for New

Graduates. For more information visit https://www.af247.com.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Displays a cheerful and positive attitude
  • Is committed to providing an excellent customer experience
  • Accurately

    performs financial transactions including but not limited to loans,

    check cashing, wire transfer, money orders, and bill payments
  • Adheres to company guidelines and strictly follows all company procedures
  • Continually works to gain a high level of product expertise
  • Complies with all state and federal laws governing the financial services industry
  • Performs all other duties as assigned

    QUALIFICATIONS

    • High School Diploma
    • Must have experience in a service related field
    • Cash handling experience preferred
    • Computer keyboard proficiency required
    • Must understand and be able to meet the demands of customer service focused retail environment
    • Must be willing to work in an environment where performance will be measured and judged
    • Have the ability to work effectively with others in a team environment
    • Ability to thrive in a fast-growing always changing environment
    • Must be a great sales leader with excellent skills in driving store revenue growth
    • Must have reliable transportation and travel to a variety of locations in order to meet staffing demands
    • Must be available to work all shifts, days, evenings, nights and weekends
    • Basic computer knowledge, keyboard proficiency, and Internet navigation skills

      Perks and Benefits

      • Starting at $15.00 an hour
      • Ground-floor opportunity in a fast-growing organization
      • Full comprehensive benefits package
      • Paid time off to volunteer in the community
      • Team outings
      • Student Loan Reimbursement Plan
      • And much, much, more

          

Sr. Leader, Strategic Pricing

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The Company Worldpay is a global payments leader powering international commerce with deep fintech expertise and a shared passion for our customers. Whether in-store, online, or on a mobile device, we process over 40 billion transactions annually and offer more than 300 payment methods supporting 126 currencies across 146 countries. It's the perfect place for exceptional people to take their careers to the next level. The Opportunity Worldpay's growth is one attributed not only to our first-in-class products and services, but also our ability to find new avenues of opportunity. This sense of discovery is thanks to the innovative and visionary work of our Marketing team; a team that leaves no stone unturned in seeking out and exploring new channels for Worldpay. When we are proactive and beating the trends in our marketing strategy, we stay ahead of the competition and assure continued growth and success at Worldpay. The Senior Leader -- Strategic Pricing applies deep research to uncover new insight into competitive pricing to better position Worldpay's market strategy. He/she will partner with cross-functional teams to better understand our product portfolios and acquire data from current and potential clients. When we are analytical in our evaluation of competitive market as well as our internal structures, Worldpay can continue to improve how we do business. A World of Opportunity We're turbo-charging our industry by nurturing the fintech experts needed to help our customers prosper. We don't try to ride the winds of change. We create them. We're proud to be shaping the future of payments by supporting the growth and development of our colleagues. We provide opportunities to learn and the flexibility needed to get the job done. We strive to hire the best and to create a climate where curiosity is king. So, wherever you join us around the world, we'll empower you to fulfill your potential. If this is the kind of career experience you're looking for, we invite you to apply today. The Day-to-Day Responsibilities: * Defines, develops, evaluates and oversees the implementation of innovative pricing models and strategies designed to optimize revenue, market share, brand positioning and long-term profits. * Partners with Sales/Marketing, Business Development, Finance and other key stakeholders to correctly position product portfolio and establish pricing programs aligned with product/sales strategy. * Monitors the ongoing business environment to ensure competitive pricing/market position and directs the development and analysis of pricing models and projections. * Deploys a data-driven, analytical and customer/market driven approach to developing new pricing strategies; effectively communicates with business partners to gain alignment and drive execution * Oversees the implementation of pricing proposals across the organization. * Selects, develops, and evaluates direct reports to build an action-oriented and results focused team * Partners with the head of enterprise pricing to develop, articulate and implement a vision for the enterprise pricing function. Directs and controls the activities of one or more teams through other team leaders All the above duties and responsibilities are essential job functions for which reasonable accommodation will be made. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. This position description is not to be construed as an exhaustive statement of duties, responsibilities or requirements. Colleagues may be required to perform any other job-related instructions as requested by their leader, subject to reasonable accommodation. Location US based role - with preference for role to be seated in Cincinnati OH, Jacksonville FL, or Orlando FL.
          

Grote Nederlandse digitalisersingsmissie naar Singapore

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Nederland organiseert komende week een digitaliseringsmissie naar Singapore. De missie staat onder leiding van Minister van Binnenlandse Zaken en Koninkrijksrelaties Raymond Knops. In zijn kielzog reist een delegatie van zestig personen uit bedrijfsleven en overheid mee, om de Singapore Week of Innovation and Technology en het Fintech Festival te bezoeken. Het doel is om te leren van de beschikbare technologie en zo veel mogelijk Nederlandse en Singaporese bedrijven met elkaar in contact te brengen om tot nieuwe samenwerkingsverbanden en contracten te komen.
          

Monisnap, le Français qui défie Western Union et Moneygram

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Créée en 2017, cette fintech propose des solutions de transfert d'argent à l'international par mobile et en agence. Sa particularité ? Se connecter aux opérateurs télécoms. Permettre d'envoyer de l'argent à l'international rapidement, à des tarifs bas et tr…
          

Islamic fintech important tool to meet sustainable development: QCB Governor

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The Qatar Central Bank (QCB) attaches great importance to Islamic financial technology (fintech), which is a very important tool needed to meet long-term sustainable development, economic diversification, and financial inclusion, […]
          

Even Facebook’s Libra can’t escape the fintech establishment

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Despite Facebook’s reach, IMD professor Howard Yu and research fellow Jialu Shan break down how its Libra digital currency is no match for legacy financial institutions.

It’s hard to believe regulators can learn faster than entrepreneurs, but they do. Back when Mark Zuckerberg testified before Congress in April 2018, Senator Orrin Hatch (a Republican from Utah) interrogated Facebook’s business model by asking him “why users don’t pay for your service,” to which a smiling Zuckerberg replied, “Senator, we run ads.” Eighteen months later, on October 23, 2019, Zuckerberg faced another congressional grilling, this time over his proposed digital currency, Libra.

Read Full Story


          

Business Analyst (payments)

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HC-Basildon, I have a new position open for a permanent Business Analyst to join a financial client in the heart of Essex. My client are one of the leading Fintech clients in the card and payments industry. The Business Analyst will be responsible for the understanding and gathering of the business needs and requirements of key EMEA clients. The Business Analyst will ensure that the requirements are accurately
          

AppSealing launches first-of-its-kind, a 360° Mobile App Security Platform for App Owners & Programmers that needs Zero coding efforts

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Tuesday 5 November, 2019

Every programmer loves to build apps, but one nightmare constantly haunts them in the process - hackers.Data, money, efforts, and reputation are at huge risk. With the rising trend of hacking & piracy, Smart, Intelligent Application Security Solutions are the need of the hour.



Presenting, a Korean Digital Rights Management (DRM) outfit - INKA Entworks Inc. Known for its cloud-based solutions; it recently upgraded its security platform for app owners & programmers – ‘AppSealing-Leading Mobile Application Security Solution’, that uses a 360° robust technology “Runtime Application Self-Protection (RASP)” to provide in-app protection from known and unknown threats. The highlighting feature of AppSealing is that it requires absolutely zero coding efforts.


What's New?


Established in 2014, AppSealing has lots of registered patents in the security domain. After years of offering non-stop protection to hundreds of mobile apps through its strong codebase, AppSealing has undergone a re-branding exercise. It flaunts a new identity which is expressed through a new logo & website.


AppSealing’s new identity is to strongly convey the message about its core philosophy of robust security, modern approach and power over any theft and stealing. The new vector conveys the message of securing your app within the locks of AppSealing’s technology along with the colour used to show power over the theft. Overall the brand logo gives a fresh look and depicts a subtle message of always being ahead of the ever evolving hacking and theft techniques.


On the design front, its new website incorporates a modern design, a more intuitive interface, faint animations, and device neutral fonts.


While on the content front, it has introduced 3 major features - Blogs, Case Studies & White Papers that help keep its users abreast of the latest security industry-specific trends.


A New Perspective


The developer community poses faith in the AppSealing features to ensure that their apps can covet the premium audience segments without worrying about hackers’ malicious intents. James Ahn, the CEO of INKA Entworks, underscores this point when he says that the new AppSealing logo and brand promise clients “to help protect their mobile business and provide them with premium security throughout the journey".


Apart from offering a superior feel to the user, the new website also has improved navigation, where information is stacked according to industry sectors and technical categories. This makes the website easily accessible to both the first-time user as well as an experienced AppSealing client. The new website has a robust blog section, which is constantly updated with expert posts and analyses that the developer community can use not just to learn new concepts but also to know what new threats it faces from hackers and how to preempt attacks on their apps. The website also has a section on case studies, which describe how AppSealing has successfully solved industry-specific problems about security issues and helped its clients save money and enhance their brand value among their user base. A salient feature of the new website is a collection of white papers, which elaborately explain issues around mobile app security and offer ways to address them according to the best industry practices.


Who uses AppSealing?


AppSealing protects more than 600+ major apps worldwide and has blocked around 60 MN+ hacking vectors across various industries such as - Gaming, FinTech, Movie, E-commerce, and others. The likes of Mobile Premier League, Smilegate, Stickpoolclub, Snowpipe, Winzo, Nexon, etc have approved & are extensively using AppSealing’s platform after successful testing.


AppSealing has also empowered app developers and owners to save a huge sum of money by preventing hackers from stealing the token money from gaming apps, ensuring secured transactions in FinTech apps, plugging security loopholes in Over-The-Top (OTT) platforms to allow only authorized access, and prevented app forgery and reverse engineering of code in online to offline models.


How does AppSealing secure mobile apps? Is it new technology?


AppSealing’s Runtime Application Self-Protection (RASP) technology ensures the real-time protection of the client’s app. It further encrypts DEX, SO and DLL files of the app to ensure that no malicious code can be injected. It nips hackers’ efforts to use emulators and cheat tools and stops them from decompiling the code.


Get started






Cloud-Based Application Security Platform, Instant Real-Time ActivationNo Setup Fees, No Hidden FeesPay-As-You-Go Application Security Platform ModelFree Application Security Platform for up to 15,000 MADs every monthZero Coding Efforts Required by App Owners & Programmers

Visit the new Refreshed & Rebranded AppSealing today https://www.appsealing.com.


Discover how AppSealing makes your app portfolio more secure and increases its reliability in a competitive environment.




mp4: AppSealing - Secure app
* For more information regarding media usage, ownership and rights please contact AppSealing.

Distributed by https://pressat.co.uk/
          

Revolut uses open banking to connect to Inuit QuickBooks

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FinTech Revolut is using open banking APIs for the first time, collaborating with third-party provider Inuit QuickBooks to connect its business customers ...


View article...


          

Money 20/20 USA: Key Takeaways

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Use this report to understand the latest developments in the financial services industry and how fintechs are revolutionizing the status quo Over October 21-24, 2018 industry leaders from across the world gathered in Las Vegas for Money 20/20 USA to discuss the latest trends in payments, fintech and financial services in general. The event drew … Continue reading Money 20/20 USA: Key Takeaways
          

FinTech : GoCardless s’allie avec TransferWise

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Les clients de GoCardless peuvent désormais se connecter à plusieurs systèmes de prélèvement bancaire dans le monde entier, sans avoir à gérer plusieurs comptes bancaires.

L’article FinTech : GoCardless s’allie avec TransferWise est apparu en premier sur FrenchWeb.fr.


          

Engineering: Senior Machine Learning Engineer - Los Angeles, California

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We've partnered on an exclusive basis with a leading FinTech brand based out of Santa Monica. They're on the market for a Senior Machine Learning to sit in their Data team. This role will require an ML Engineer who can bring ML models into production together with a team of product analysts, data engineers, and product managers. Skills/Qualifications: 3 years of experience with Machine learning techniques like classification, regression, anomaly detection, and clustering. Experience with data analysis languages such as Python or Scala. Experience with bringing at least 2 models to production. In addition to extremely competitive cash compensation - which includes a quarterly performance bonus - they offer; a generous stock package, 100% coverage of health benefits (incl. coverage for dependents), 401K match, monthly fitness reimbursement, referral car buying program, unlimited PTO, parental leave, plus 10 paid federal holidays. If interested in learning more about this opportunity, then reach out ()
          

ZEW Discussion Papers DP No. 19-045: Schutz der Robo Advisor vor Marktbarrieren: Zugriffsrechte auf Banken-Schnittstellen?

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The development of Robo Advice offers bank-independent FinTechs the opportunity to capture shares of the market for investment advice, brokerage and the management of financial instruments. In the long run, however, they will only be able to assert themselves as independent providers if they have all the technical options at their disposal to further improve and, above all, to individualise their offering. This would be the case if they could offer their clients the opportunity to analyse assets and liquidity developments across all custody and banking accounts to implement, on this basis, defined portfolio strategies and to meet liquidity requirements. To do this, however, they would...


          

Engineering: Senior Machine Learning Engineer - Los Angeles, California

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We've partnered on an exclusive basis with a leading FinTech brand based out of Santa Monica. They're on the market for a Senior Machine Learning to sit in their Data team. This role will require an ML Engineer who can bring ML models into production together with a team of product analysts, data engineers, and product managers. Skills/Qualifications: 3 years of experience with Machine learning techniques like classification, regression, anomaly detection, and clustering. Experience with data analysis languages such as Python or Scala. Experience with bringing at least 2 models to production. In addition to extremely competitive cash compensation - which includes a quarterly performance bonus - they offer; a generous stock package, 100% coverage of health benefits (incl. coverage for dependents), 401K match, monthly fitness reimbursement, referral car buying program, unlimited PTO, parental leave, plus 10 paid federal holidays. If interested in learning more about this opportunity, then reach out ()
          

Real estate fintech platform Immo Investment Technologies raises €11M Series A

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Immo Investment Technologies, a London-based fintech startup that purchase homes on behalf of buy-to-let investors, has closed €11M in Series A funding. Backing the round is Talis Capital and HV Holtzbrinck Ventures, with participation from Tom Stafford and Rahul Mehta of DST Global, Mato Peric of MPGI, among others. In addition, the company is disclosing […]
          

GoCardless partners with TransferWise to bring low-cost currency conversion to recurring payments

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GoCardless, the London fintech that makes it easy for businesses to offer recurring bank payments, has partnered with TransferWise for its currency exchange. The move sees GoCardless utilise the TransferWise API and the money transfer company’s “TransferWise for Business” product, and in turn, provide TransferWise’s FX rates to its own customers. More broadly, the partnership […]
          

Sandbox trong lĩnh vực Fintech là nhu cầu cấp thiết để hạn chế rủi ro cho khách hàng

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Theo đại diện của Ngân hàng Nhà nước, việc xây dựng sandbox cho lĩnh vực Fintech là nhu cầu cấp thiết khi mà không thể ngay lập tức xây dựng được một khuôn khổ pháp lý tổng thể, nhằm mục tiêu hạn chế rủi ro cho khách hàng khi sử dụng các dịch vụ Fintech chưa được cấp phép chính thức.
          

Google Pay will now work with all banks after Curve integration

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UK fintech Curve is now allowing its users with Android-operating devices to shop with Google Pay.
          

Digits.com History is Interesting

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 DomainInvesting.com: I saw an article on TechCrunch that caught my attention. A startup called Digits announced that it raised a $10.5 million Series A round of funding. A quick check of the domain name showed that it is using the high value, brand match Digits.com domain name for its business. Stealth fintech startup Digits raises $10.5 […]
          

Even Facebook’s Libra can’t escape the fintech establishment

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Despite Facebook’s reach, IMD professor Howard Yu and research fellow Jialu Shan break down how its Libra digital currency is no match for legacy financial institutions.

It’s hard to believe regulators can learn faster than entrepreneurs, but they do. Back when Mark Zuckerberg testified before Congress in April 2018, Senator Orrin Hatch (a Republican from Utah) interrogated Facebook’s business model by asking him “why users don’t pay for your service,” to which a smiling Zuckerberg replied, “Senator, we run ads.” Eighteen months later, on October 23, 2019, Zuckerberg faced another congressional grilling, this time over his proposed digital currency, Libra.

Read Full Story


          

69: Calvin Williams Service Delivery Process

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Calvin Williams, Jr. is on a mission. He believes wealth management services should be accessible to everyone, not just the uber-rich. As such, he started Freeman Capital an award-winning FinTech company with rapid expansion goals and high visibility. In this episode, Calvin details the service delivery process he implements to maintain a positive customer […] The post 69: Calvin Williams Service Delivery Process appeared first on Business RadioX ®.
          

Top VC’s Talk about Investment Trends in Fintech

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Fintech companies from around the globe raised more than $52bn in 2018 with more than $15bn coming from North America and Europe; TechCrunch sat down with 12 leading fintech venture capitalists to ask them about fintech trends and where the market is headed long term; some of the main themes to come out of the […]
          

Think Tank Offers Regulatory Alternatives

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There is a myriad of regulatory systems in the U.S. that have been seen as an impediment to the success of fintech; a Washington think tank, The Information Technology & Innovation Foundation, issued a report this week offering alternatives to the current regulatory system; agreements among different state regulators, similar to that of Vision 2020 […]
          

Announcements & Releases for November 6, 2019

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LendIt Fintech Europe 2019 Slide Presentations Now Live $11 trillion U.S. mortgage market has a shadowy new player Papaya Global Raises $45M in Series A Funding Brex And Bank Of The West Team On Co-Branded Credit Card Mylo raises $10M Brokerage firm pursuing Utah industrial bank charter Growth Street to make redundancies as axes “hybrid […]
          

Engineering: Senior Machine Learning Engineer - Los Angeles, California

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We've partnered on an exclusive basis with a leading FinTech brand based out of Santa Monica. They're on the market for a Senior Machine Learning to sit in their Data team. This role will require an ML Engineer who can bring ML models into production together with a team of product analysts, data engineers, and product managers. Skills/Qualifications: 3 years of experience with Machine learning techniques like classification, regression, anomaly detection, and clustering. Experience with data analysis languages such as Python or Scala. Experience with bringing at least 2 models to production. In addition to extremely competitive cash compensation - which includes a quarterly performance bonus - they offer; a generous stock package, 100% coverage of health benefits (incl. coverage for dependents), 401K match, monthly fitness reimbursement, referral car buying program, unlimited PTO, parental leave, plus 10 paid federal holidays. If interested in learning more about this opportunity, then reach out ()
          

The African Fintech’s Final Destination. What to expect.

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  keynote speech delivered by Ndubuisi Ekekwe today in the ongoing Africa Fintech Festival in Kampala, Uganda. Quite informative…
          

La plataforma fintech de bienes raíces Immo Investment Technologies recauda € 11M Serie A

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Immo Investment Technologies, una startup fintech con sede en Londres que compra viviendas en nombre de inversores de compra para alquilar, ha cerrado € 11M en fondos de la Serie A. Respaldando la ronda están Talis Capital y HV Holtzbrinck Ventures, con la participación de Tom Stafford y Rahul Mehta de DST Global y Mato …

The post La plataforma fintech de bienes raíces Immo Investment Technologies recauda € 11M Serie A appeared first on La Neta Neta!.


          

La plataforma fintech de bienes raíces Immo Investment Technologies recauda € 11M Serie A

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Immo Investment Technologies, una startup fintech con sede en Londres que compra viviendas en nombre de inversores de compra para alquilar, ha cerrado € 11M en fondos de la Serie A. Respaldando la ronda están Talis Capital y HV Holtzbrinck Ventures, con la participación de Tom Stafford y Rahul Mehta de DST Global, Mato Peric …

The post La plataforma fintech de bienes raíces Immo Investment Technologies recauda € 11M Serie A appeared first on La Neta Neta!.


          

United States: CFTC Makes LabCFTC An Independent Office And Provides AI Primer - Cadwalader, Wickersham & Taft LLP

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At a CFTC conference titled Fintech Forward, Chair Heath P. Tarbert stated that LabCFTC will now operate as an independent office of the agency.
          

De Nederlandsche Bank zoekt een Juridisch beleidsadviseur FinTech en Innovatie in Amsterdam

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Werken aan toezicht op technologische innovatie in de financiële sector bij DNB.

          

Fintech startup PearlPay signs new deal to digitalize rural banks in Pangasinan – BusinessWorld Online

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Fintech startup PearlPay signs new deal to digitalize rural banks in Pangasinan BusinessWorld Online …read more Source:: Startup Tech News From Google News

The post Fintech startup PearlPay signs new deal to digitalize rural banks in Pangasinan – BusinessWorld Online appeared first on Zennie62 Blog.


          

Starling Bank launches fintech marketplace

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Mobile-only bank Starling has launched a marketplace for financial products.
          

Equity crowdfunder and robo-advisor join Fidor Bank’s fintech marketplace

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Fidor Bank will offer users access to two fintech-based investment channels.
          

What young people want from fintech

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Lessons from ten episodes of Millennial Money Matters.
          

Fintech challenger Revolut to take on mortgages

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Banking app Revolut announces latest fintech partnership.
          

Fintech synergy as challenger bank teams up with robo advice app

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Starling Bank is partnering with app-based wealth manager Moneybox for real-time savings.
          

L’arrivée de la Proptech signe-t-elle la fin des agences immobilières ?

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Avis d'expert Par Stanislas de Dinechin, cofondateur de la néo-agence Hosman La révolution digitale bouleverse, secteur après secteur, l’ensemble de l’économie. Fintech, Foodtech, Legaltech, Healthtech, Assurtech, l’innovation réinvente ces écosystèmes qui amorcent tous leur transformation digitale. Tous ? Non ! Car l’agence immobilière résiste encore et toujours à l'envahisseur digital. La Proptech viendrait-elle changer la […]
          

Technologický riaditeľ banky: Fintechy nás kanibalizujú, dát sa ľahko nevzdáme

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Nemôžete od banky čakať, že sa dobrovoľne vzdá časti svojich klientskych dát v prospech konkurencie, hovorí Slavomír Pšenák, technologický riaditeľ Erste Group IT International.
          

Other: Loan Coordinator - Scottsdale, Arizona

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Overview:Currency is dedicated to disrupting e-commerce by designing financial technology that unlocks the free flow of capital and opportunity for our customers. Based on the West Coast, we are one of the fastest growing fintech firms thanks largely to our vision and our diverse, collaborative, and talented teams. We are looking for motivated and passionate individuals looking to innovate and disrupt the fintech industry and have some fun doing it. The Loan Coordinator works directly with the sales team to execute on contracts with our clients. This role will confirm and gather requirements for contracts and work with multiple departments to fulfill contracts.Responsibilities Review contracts and ensure contracts match approval amount and terms Update systems to ensure key information is correctly inputted Coordinate with the sales team to ensure all contracts have all required information Provide timely and professional communication between all departments Be aware of and bring attention to any potential signs of fraudulent activity Qualifications 2+ years related experience Must be proficient with Microsoft Office Have an ability to multi-task and prioritize Ability to thrive under pressure in a fast-paced environment Must be professional, courteous, and have ability to work with multiple departments Good written and oral communication skills Perks and Benefits: We have created a company culture complete with:-- Flexible paid time off-- Casual dress code-- Office happy hours and wellness events-- Generous paid parental leave-- Competitive compensationAs a result, our employees are excited to come to work to grow personally, financially, and professionally. Check us out on LinkedIn! ()
          

GoCardless selects Transferwise for FX

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twLondon-based FinTech, GoCardless, which specialises in facilitating recurring bank payments, has recruited cross-border payments specialist, TransferWise, to deliver its foreign exchange services. As a result of the deal, GoCardless will utilise the “TransferWise for Business” product and the Transferwise API, in order to provide favourable currency exchange rates to its own customers.

Since it was created in 2011, as an affordable way for foreign workers to transfer money home, TransferWise has grown into a company valued at around $3.5bn. The company recently entered the US market, where it claims its international transfers will be up to 12 times cheaper than many of its rivals (see: Confident Transferwise heads stateside). Meanwhile, GoCardless itself recently raised $75m to fuel its own global push (see: GoCardless plots global expansion).

The deal represents another win for FinTech unicorn, TransferWise, which already partners with the likes of Monzo, N26 as well as leading French bank BPCE. The partnership should also help GoCardless boost its appeal to business customers as it seeks to build out its services to corporate customers globally.


          

Indonesien-Wachhund blockiert Kryptowährungs-Leihplattform

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Die als OJK bekannte indonesische Finanzaufsichtsbehörde hat fast 300 illegale Peer-to-Peer-Kreditplattformen identifiziert und blockiert, darunter ein Kryptowährungsunternehmen. Laut Nikkei hat sich die Investment-Warneinheit von OJK mit dem IT-Ministerium und der örtlichen Polizei zusammengetan, um gegen nicht lizenzierte FinTech-Plattformen vorzugehen. Die Untersuchungen ergaben, dass sich auf den meisten nicht registrierten Kreditplattformen Server in Indonesien befanden, einige von ihnen jedoch außerhalb der internationalen Grenzen betrieben wurden. Dennoch hat OJK die Namen entlassener Einheiten nicht bekannt gegeben, insbesondere die, die die Kryptowährungsleihe zwischen Indonesiern ermöglichten. „Sobald eine Fintech-Plattform als illegal eingestuft wurde, werden wir sie direkt blockieren. Wir hoffen, durch die Sperrung dieser

Der Beitrag Indonesien-Wachhund blockiert Kryptowährungs-Leihplattform erschien zuerst auf Bitcoin und andere Cryptowährungen.


          

Das globale Krypto-Framework musste "Regulatory Arbitrage" stoppen, warnt Watchdog

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Laut Hongkongs wichtigster Wertpapieraufsichtsbehörde müssen die weltweiten Aufsichtsbehörden eine einheitliche Antwort auf die Facebook-Libra geben, um das „echte Risiko der aufsichtsrechtlichen Arbitrage“ anzugehen. Ashley Alder, Vorstandsvorsitzender der Hong Kong Securities and Futures Commission (SFC), sagte in einer am Mittwoch in der Hong Kong Fintech-Woche abgegebenen Stellungnahme, dass die Libra und andere „Big Tech“ -Stabilcoin-Projekte eine tiefe Bedrohung für fragmentierte Finanzaufsichtsbehörden auf der ganzen Welt darstellen. Das Risiko bestehe nicht, wenn Länder ihre nationalen Gesetze zur Bekämpfung der Geldwäsche und zum Verbraucherschutz stützen, sondern wenn dies bei einigen der Fall sei und bei anderen nicht, sagte Alder. Erklärung der "Arbitrage" -Bedrohung

Der Beitrag Das globale Krypto-Framework musste "Regulatory Arbitrage" stoppen, warnt Watchdog erschien zuerst auf Bitcoin und andere Cryptowährungen.


          

Robinhood is in hot water after a glitch with its app allowed users to trade stocks with excess borrowed funds

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This story was delivered to Business Insider Intelligence Fintech Pro subscribers earlier this morning. To get this story plus others to your inbox each day, hours before they're published on Business Insider, click here. The US-based commission-free trading app experienced a glitch that allowed users to trade stocks with excess borrowed funds, according to TechCrunch as of Tuesday. Capital UK Consumers Are Willing To Deposit In Or Invest With A Fintech

Users of Robinhood Gold — the fintech's subscription service that lets customers trade on margin for a $5 monthly fee — were able to borrow more money than they should be able to from the startup to trade, essentially giving them "infinite leverage," per CNBC.

One user was able to take a $1 million position funded by a $4,000 deposit, for example. No fix had been found for the issue as of Tuesday evening, but a Robinhood spokesperson has stated that the fintech is aware of the problem and is speaking with customers directly. 

See the rest of the story at Business Insider

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Indian start-ups can create 12 lakh direct jobs by 2025

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New Delhi: India's start-up ecosystem has the potential to create up to 12.5 lakh direct jobs by 2025, from 3.9-4.3 lakh direct jobs in 2019, according to a new report from industry body National Association of Software and Services Companies (Nasscom).

The number of indirect jobs created by the start-up ecosystem in India can jump to 39-44 lakh by 2025 from 14-16 lakh jobs this year, said the report titled "India's Tech Start-up Ecosystem".

"India's talent base is expanding beyond large cities as fresh graduates are choosing to stay back in non-metropolitan cities. These individuals have an almost similar exposure to technologies via the Internet. This enables the founders to recruit quality talent at a relatively lesser cost - allowing better runway and also a base for growth," said the report.

The analysis suggests that the Indian start-up ecosystem has the potential to grow about four times by 2025, it added.

The research found that 18 per cent of all start-ups are now leveraging deep-tech and fintech, enterprise, and retail tech which are the most mature sectors with strong metrics across dimensions.

"There is increased activity in edtech, retail & retail tech, HR, and healthtech technology start-ups with significant improvement in sectors like agritech, aerospace, defence and space," said the report that Nasscom brought out in collaboration with global management and strategy consulting firm Zinnov.

Since 2014, the deep-tech start-up pool in India has grown at 40 per cent compound annual growth rate. The study found that while Artificial Intelligence and Machine Learning is being deployed heavily in enterprise, fintech and healthtech, deep-tech adoption is actually pervasive across sectors.

Total investment in start-up ecosystem has increased by 16 per cent year-on-year in 2019 - during the January to August period, said the report.
          

Global Crypto Framework Needed to Stop ‘Regulatory Arbitrage,’ Watchdog Warns

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Hong Kong’s chief securities regulator says world regulators needs a united response to Facebook’s Libra to tackle the “real risk of regulatory arbitrage.” In remarks delivered Wednesday at Hong Kong Fintech week, Ashley Alder, chief executive officer of the Hong Kong Securities and Futures Commission (SFC), said Libra and other “Big Tech” stablecoin projects pose…

The post Global Crypto Framework Needed to Stop ‘Regulatory Arbitrage,’ Watchdog Warns appeared first on Volledige Bitcoin Gids vir Beginners.


          

Enterprise Ireland Showcases Irish Fintech Edge at Singapore Fintech Festival – Yahoo Finance

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Enterprise Ireland Showcases Irish Fintech Edge at Singapore Fintech Festival  Yahoo Finance
          

Movement Mortgage Selects Infosys to Lead Its Digital Transformation, Development Services

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Infosys, has been selected as a strategic partner by Movement Mortgage, a fast-growing mortgage bank in the U.S., to lead its digital transformation and offer IT as a service to accelerate the fintech company’s pace of extraordinary growth and scale.
          

Business Analyst / Consultant

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Deutschschweiz, HOME STELLENANGEBOT FÜR STELLENSUCHENDE FÜR UNTERNEHMEN ÜBER UNS Modern Digital Fintech Solutions Unser Auftraggeber ist einer der Technologieführer im Bereich anspruchsvoller Business-Prozess-Management-Software. Mit dem Trend zur Digitalisierung in der Finanzbranche eröffnen sich ihm vielversprechende neue Geschäftsmöglichkeiten; besonders Retail-Banken wollen seine Softwareplattform zur Automat
          

XPAY ergänzt sein Payment-Card-Network mit Black&Whitecard als erstes Endnutzerprodukt (FOTO)

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München (ots) – XPAY (https://www.xpay.de/), Münchener Fintech und Anbieter innovativer Payment-Lösungen, ergänzt das eigene Payment-Card-Network um die Black&Whitecard – das erste einer Reihe von Finanzprodukten, die auf Endnutzer ausgerichtet sind. Die preiswerteste Prepaid Mastercard® Die Black&Whitecard Prepaid Mastercard® ist eine guthabenbasierte Mastercard®. Nach Aktivierung und Aufladung kann diese an Millionen internationaler Mastercard® Akzeptanzstellen eingesetzt werden. ...

Der Beitrag XPAY ergänzt sein Payment-Card-Network mit Black&Whitecard als
erstes Endnutzerprodukt (FOTO)
erschien zuerst auf Diebewertung.at.


          

ChainUP and BiKi.com Host Opening Event of Singapore Blockchain Week

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7th November, 2019, Singapore, Singapore – Whitelabel exchange platform ChainUP and digital assets trading firm BiKi.com kick off Singapore Blockchain Week with the opening event on November 11th. The rest of the week will see premium industry events Blockshow Asia, Singapore Fintech Festival and CoinMarketCap: The Capital, taking place alongside a buffet of fringe events. […]

More Bitcoin News and Cryptocurrency News on TheBitcoinNews.com


          

Finance / Fintech Writers wanted!

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Hi, we are looking for freelance writers who can write blog posts in the finance niche.  This will be an ongoing gig for multiple writers as we always need fresh content. We need two groups of finance writers: 1 - Personal Finance - The firs
          

Real estate fintech platform Immo Investment Technologies raises €11M Series A

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Immo Investment Technologies, a London-based fintech startup that purchase homes on behalf of buy-to-let investors, has closed €11M in Series A funding. Backing the round is Talis Capital and HV Holtzbrinck Ventures, with participation from Tom Stafford and Rahul Mehta of DST Global, Mato Peric of MPGI, among others. In addition, the company is disclosing […]
          

Material Handler (JR1009704) - Brentwood, NY 11717

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Broadridge, a global fintech leader with over $4 billion in revenue, provides communications, technology, data, and analytics. We help drive business transformation for...
          

In Some of Africa’s Biggest Markets, Cutting Currency Risk Means Swapping the Dollar for Bitcoin

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For underserved financial markets across the world, leapfrogging traditional banking systems and turning to fintech could bring an economic boon. That’s the message from Elizabeth Rossiello, founder of Nairobi-based fintech company AZA Group, speaking on Thursday at the Fortune Global Tech Forum in Guangzhou, China. AZA, which focuses on currency trading solutions, was the first […]
          

Ingenico tuo Mashin ja pohjoismaisen tavan maksaa Espanjaan

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Nopeasti kasvava fintech-yritys Mash ja maailman johtava maksupalveluntarjoaja Ingenico ovat allekirjoittaneet yhteistyösopimuksen, jonka myötä Mashin innovatiivista “maksa myöhemmin” -ratkaisua voidaan tästä lähtien tarjota kauppiaille kaikkialla Espanjassa. Maksuratkaisu kasvattaa kauppiaan myyntiä, tekemällä asiakaskokemuksesta ja maksamisesta entistä kitkattomampaa.


          

Revolut uses open banking to connect to Inuit QuickBooks

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FinTech Revolut is using open banking APIs for the first time, collaborating with third-party provider Inuit QuickBooks to connect its business customers ...


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Kancelarija Aleksić sa saradnicima prisustvovala konferenciji Fintech 4 Business Forum, održanoj 4. juna 2019. godine u Beogradu

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Advokati odeljenja za bankarstvo i finansije kancelarije Aleksić sa saradnicima imali su priliku da 4. juna 2019. godine konferenciji Fintech 4 Business Forumu: Tehnologijom do novca, održanom u Muzeju Jugoslovenske Kinoteke u Beogradu. Fintech predstavlja savremenu, inovativnu tehnologiju namenjenu pružanju različitih finansijskih usluga i finansijskih proizvoda, koja će u potpunosti izmeniti svet finansija kakav danas […]

The post Kancelarija Aleksić sa saradnicima prisustvovala konferenciji Fintech 4 Business Forum, održanoj 4. juna 2019. godine u Beogradu appeared first on Advokatska Kancelarija Aleksić.


          

Hong Kong: The City Is Working Hard To Cement Its Position As Asia's Premier Destination For FinTech Investment - Appleby

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While Hong Kong has long been the jewel in the crown of Asia's financial sector, the city is now pursuing growth through the addition of financial technology investment.
          

Young Platform is Presenting its Exchange for Cryptocurrency Trading at the Lisbon Web Summit

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Young Platform, an Italian fintech startup that has recently successfully completed its equit...
Corporate, Crypto Finance Blockchain Daily News

          

Linklaters advises Santander on acquisition of majority stake in UK fintech Ebury for £350m

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Santander’s strategic investment in Ebury strengthens its digital strategy and positions it as a bank of choice for SMEs trading or aspiring to trade internationally.
          

European Fintech Investment Surpassed Asia

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Lending and mortgage and wealthtech are two other popular segments, raising EUR 1.4 billion and EUR 8 billion respectively so far this year.
          

FinTech/ Payments Lawyer | Axiom

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San Francisco, California, At Axiom, it’s never “business as usual.”  We’re a dynamic team made up of entrepreneurial, innovative, and fresh-thinking people.  We are a recognized leader in the business of law and the world’s
          

Web Development Company London, UK - London Digital Agency

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Looking for Web development company London? We create software, tailored to your needs. We've built products for fintech, SaaS, healthcare and more. K based - Offshore Software Development Centre - Get in touch with your project! 10+ Years Of Experience. Highlights: Delivering End To End Digital Projects, Over 10 Years Of Experience. - Local SEO Services - Web Development Services - Small Business website design services Mail or call us for more details. WhatsApp +91 9842021911 now to get 50% offer for small business website design. Website Url: http://www.webdevelopmentcompanylondon.com Mail Id: sathees.lead@gmail.com WhatsApp: +91 9842021911 Skype Id: sathees seo
          

Blowing No-Arbitrage Pricing Theory to Hell. Is There Anything Fintech Can’t Do?

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Standard no-arbitrage derivatives pricing theory rules out certain trading strategies because they are seemingly unrealistic. For example, if the set of trading strategies is unrestricted, the following strategy is guaranteed to make any arbitrarily large profit (pick a number, any number! e.g., $10 quadrillion) prior to some finite time T almost surely–and don’t call me […]
          

Indonesia Watchdog Blocks Cryptocurrency Lending Platform

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Indonesia’s Financial Services Authority, known as OJK, has identified and blocked almost 300 illegal peer-to-peer lending platforms, which includes one cryptocurrency firm. According to Nikkei, OJK’s investment alert unit joined hands with the IT ministry and local police to launch a crackdown against unlicensed FinTech platforms. The investigations found that most of the unregistered lending...

The post Indonesia Watchdog Blocks Cryptocurrency Lending Platform appeared first on Cryptonea.


          

Rapyd Appoints Sarel Tal to Head Strategic Expansion Across EMEA

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Significant investment in infrastructure and personnel are planned for Europe, the Middle East, and Africa region in 2020

LONDON, Nov. 6, 2019 /PRNewswire/ — Rapyd, a global Fintech-as-a-Service provider has appointed Sarel Tal as Vice President – EMEA to …


          

ValU Celebrates One Year of Shopping Revolution

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With financial stress pressuring everyday shoppers, Fintech and installment were introduced to save the day for many people. The first app to do this was valU, an app that’s been revolutionizing the way we shop lately and guess what? The company just turned one! In today’s world, we are surrounded by a lot of shopping […]

The post ValU Celebrates One Year of Shopping Revolution appeared first on Scoop Empire. Written By: Scoop Team


          

Nov 21, 2019: Banking as a Service: Bridging Startup Innovation to Traditional Banking

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Technological innovations are rapidly and drastically changing the financial services industry. FinTech startups are attracting customers in droves while smaller banks that have a hard time looking digitally savvy in the eyes of tech-enabled customers risk being left behind.

But what if there were a middle road that combines the regulations, infrastructure, and security of the traditional banking industry with the modern thinking of the FinTech startups? There is. It’s the budding Banking as a Service (BaaS) sector.

View on site | Email this event


          

THE MONETIZATION OF OPEN BANKING: How legacy institutions can use open banking to develop new revenue streams, reach more customers, and avoid losing out to neobanks and fintechs

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UK Open Banking Ecosystem

Open banking has arrived, and it's transforming the UK's banking landscape — next up could be the world. Regulatory efforts in the UK are transforming retail banking, reshaping incumbents' relationships with customers, and easing entry for fintechs.

Regulators across every continent are responding with actions of their own. Underpinning open banking initiatives is the idea that ownership of transactional data belongs to consumers instead of incumbent financial institutions.

The implications of this change for established lenders in the UK are significant. For those that act, open banking presents substantial revenue-generating opportunities.

But the consequences of inaction are even more severe: Business Insider Intelligence estimates that by 2024, £6.5 billion ($8.4 billion) of UK incumbents' revenues will be under threat of being scooped up by forward-thinking companies like fintechs and neobanks. Yet even through the financial incentives to act are clear, many incumbents are struggling to determine the best path to monetization. In fact, some aren't even sure what their options are.

In The Monetization of Open Banking report, Business Insider Intelligence identifies monetization strategies incumbents have at their disposal, describes how they can determine the best approach for their specific needs, and outlines actionable steps they need to make their chosen open banking initiative successful.  

The companies mentioned in this report are: Allied Irish Bank (AIB), Bank of Ireland, Barclays, Danske Bank, HSBC, Lloyds Banking Group, Nationwide, RBS Group, and Santander, Monzo, Starling, ING, Yolt, Fidor, BBVA

Here are some of the key takeaways from the report:

  • Driven by regulatory action, open banking is transforming the UK's banking landscape, but it's also gaining momentum globally.
  • For incumbents, open banking entails a significant threat to their entrenched position.
  • But for forward-looking banks, there are substantial opportunities for revenue generation, both directly and indirectly.
  • To seize these opportunities — and avoid losing revenue to fintechs and neobanks — it's critical that legacy players focus their efforts in the right direction, including identifying their strategic priorities.

 In full, the report:

  • Details the UK's Open Banking regulation in depth.
  • Forecasts the size of the UK's Open Banking-enabled banking industry over the next five years.
  • Discusses the types of monetization opportunities available for incumbents, as well as non-direct revenue-generation opportunities.  
  • Provides actionable steps on how banks can best determine the best strategic approach from the options available.

Interested in getting the full report? Here are two ways to access it:

  1. Purchase & download the full report from our research store. >> Purchase & Download Now
  2. Subscribe to a Premium pass to Business Insider Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now

The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of fintech.

Join the conversation about this story »


          

Bridging the Week by Gary DeWaal: October 21 to November 1, and November 4, 2019, (CFTC Settlement Undone; Aiding and Abetting Liability Potentially Broader; Spoofing = Wire Fraud)

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Two weeks ago, a federal court of appeals sided with the Commodity Futures Trading Commission ruling that a district court could not require the testimony of three commissioners and various staff to assess whether the agency committed civil contempt in connection with its handling of an enforcement settlement with two food giants. In response, the district court confirmed it would solely evaluate the existing record to determine whether to grant the defendants’ motion for a contempt finding against the Commission and sanctions; however, it also set aside the settlement consent order and instructed the parties to propose a trial date – although they could also propose new resolution terms. Last week, a law firm filed its own lawsuit against the CFTC for the agency’s non-provision of documents related to the settlement in response to a request under the Freedom of Information Act. Unrelatedly, the House Committee on Agriculture proposed to reauthorize the CFTC for another five years and to expand the reach of potential aiding and abetting liability to reckless acts in addition to purposeful acts. As a result, the following matters are covered in this week’s edition of Bridging the Week:

  • District Court Judge Calls for Do Over in Settlement of CFTC Enforcement Action Against Food Giants After Court of Appeals Mostly Grants Commission’s Mandamus Request (includes Legal Weeds);
  • House Ag Committee Proposes CFTC Reauthorization That Includes Aiding and Abetting Expansion (includes My View);
  • Spoofing Can Violate Wire Fraud Statute Rules Federal Judge (includes Policy and Politics); and more.

Video Version:

Article Version:  

Briefly:

  • District Court Judge Calls for Do Over in Settlement of CFTC Enforcement Action Against Food Giants After Court of Appeals Mostly Grants Commission’s Mandamus Request: On October 23, the federal court judge in Chicago presiding over the 2015 enforcement action by the Commodity Futures Trading Commission against Kraft Foods Group, Inc. and Mondelez Global, LLC set aside the settlement agreement among the parties confirmed in an August 14, 2019 consent order. The CFTC originally charged the defendants with manipulating and attempting to manipulate December 2011 wheat futures contracts and cash wheat.

The Hon. John Blakey revoked the settlement order following a decision by a federal court of appeals to grant, in part, relief requested by the CFTC in a mandamus petition precluding him from requiring the Chairman of the CFTC, two commissioners, and various employees of the Commission to provide testimony in a contempt proceeding against the CFTC and the individuals. Previously, the defendants requested that the CFTC and the individuals be held in contempt because they claimed the CFTC and the individuals had violated terms of a mutual gag agreement contained in the consent order when the Commission and two commissioners issued statements contemporaneously with publication of the order. The defendants also sought sanctions against the CFTC.

Under the agreement, defendants agreed to remit a fine of US $16 million and not to violate various provisions of law relating to manipulation, wash sales, and speculative limits. The consent order made clear, however, that nothing in the order reflected an agreement or determination that the defendants violated any provision of applicable law. (Click here for details regarding this dispute in the article “Contempt and Sanctions Hearing Against the CFTC Arising From Manipulation Complaint Settlement Delayed to October 2” in the September 2, 2019 edition of Between Bridges.)

The US Court of Appeals for the Seventh Circuit held that only the CFTC could potentially be held in contempt for violating the gag order and not any individuals, and that the determination of whether the CFTC was in contempt should be made by Judge Blakey solely on the basis of the existing record without any consideration of collateral evidence, including the testimony of any CFTC commissioners or employees.

In response, Judge Blakey issued a docket entry noting that he would resolve defendants’ motion for contempt, sanctions and other relief relying solely on the existing record. He also set aside the consent order on the grounds that the “factual record” does not support a proposition that the parties agreed to settle their dispute with an understanding that the settlement terms were binding on the Commission but not on agents of the Commission, including commissioners and staff. Additionally, Judge Blakey requested that the CFTC and defendants renew their motions for summary judgment and propose a trial date during a hearing on November 20. Judge Blakey indicated that the parties may still try to settle this matter, however.

Separately, the New York-based law firm of Kobre & Kim sued the CFTC in a federal court in NY, claiming that the Commission failed to produce documents related to the CFTC-Kraft/Mondelez settlement that it requested under the Freedom of Information Act. The law firm claims that it requested the documents because the original settlement failed to contain any findings of fact or conclusions of law, and thus the CFTC has left “the public in the dark” regarding its current theory of manipulation. According to the law firm, “[i]n effect, the CFTC negotiated a private resolution that left the industry without any intelligible guidance and with a potential misimpression that the legal theories asserted against [Kraft/Mondelez] had a sound legal basis.” (Click here to access a copy of Kobre & Kim’s Complaint.)

Legal Weeds: In its petition for mandamus, the CFTC also requested that the civil contempt proceeding against it be ended. However, the Court of Appeals rejected this request, claiming that if a decision ultimately is rendered adverse to the CFTC, the Commission can appeal that outcome in the ordinary course. The Court of Appeals also declined to transfer the contempt proceeding to a different judge as asked by the CFTC, saying that Judge Blakey was in the “best position to decide as an initial matter” if a contempt determination was warranted.

Following the Court of Appeals’ decision, Judge Blakey indicated that not only would he be considering the CFTC’s possible violation of the consent order, but also possible violations of the court’s prior orders, “including this Court’s orders making the settlement conference discussions private in conformity with traditional trial court practice.”

Judge Blakey previously had suggested that the Commission as well as individual commissioners and staff might be subject to criminal contempt determinations. However he withdrew this threat on September 19. (Click here to access the relevant docket entry at 336.)

Judge Blakey’s pronouncement on the wide scope of his contempt determination coupled with Kobre & Kim’s FOIA lawsuit against the CFTC on Halloween serve to underscore how the Commission’s initial handling of its settlement with Kraft and Mondelez will continue to haunt the agency for some time.

  • House Ag Committee Proposes CFTC Reauthorization That Includes Aiding and Abetting Expansion: The House of Representatives' Agriculture Committee proposed a bill to reauthorize the Commodity Futures Trading Commission through fiscal year 2025 that includes a material expansion of potential aiding and abetting liability. Currently, under relevant law, any persons who willfully aids and abets a violation of law can be held liable for such violation as a principal (Click here to access 7 U.S.C. § 13c(a)). As proposed by the Agriculture Committee, any person who recklessly provides substantial assistance to such a violation could also be liable as a principal. 

Additionally, the proposed reauthorization bill would (1) amend core principles for contract markets and swap execution facilities to require the CFTC to adopt rules detailing trader data and other information such trading venues must be able to access from cash markets and other data sources related to contracts referencing digital commodities and (2) expand the reach of the CFTC’s enforcement authority outside the United States to circumstances where certain prohibited activities (e.g., fraud and manipulation) “have or would have a reasonably foreseeable substantial effect within the United States.” 

As proposed, the CFTC would also be required to adopt policies to safeguard proprietary information it receives whether through investigations or otherwise proportionate to the “level of sensibility of the information” and limit access to the information to “appropriate” Commission staff.

My View: In light of the CFTC’s relentless prosecution of Jitesh Thakkar for developing software used by Flash Crash Spoofer Navinder Sarao despite the dropping of parallel criminal charges by the Department of Justice, the proposed expansion of potential aiding and abetting liability for non-registrants is a significant red flag. Potentially holding programmers of futures trading, advisory or surveillance systems liable for the non-intentional development of software that might be used for illicit purposes could have a material chilling effect on software development for legitimate purposes and inhibit US leadership in creating new fintech innovations for the derivatives industry. (Click here for background regarding the CFTC’s pursuit of Mr. Thakkar in the article “Department of Justice Declines to Retry Alleged Programmer for Flash Crash Spoofer” in the April 28, 2019, edition of Bridging the Week.)

  • Spoofing Can Violate Wire Fraud Statute Rules Federal Judge: A federal district court in Chicago declined to dismiss criminal charges alleging violations of wire fraud prohibitions against James Vorley and Cedric Chanu related to alleged spoofing trading activities on the Commodity Exchange, Inc. from at least December 2009 through November 2011. Both individuals were formerly associated with Deutsche Bank and were named in a criminal complaint filed in July 2018. (Click here for background in the article “Alleged Spoofer Exonerated in Criminal Trial Agrees in Principle to CFTC Settlement; Two More Purported Spoofers Criminally Charged” in the August 5, 2018 edition of Bridging the Week.) The defendants were charged both with wire fraud (Click here to access 18 U.S.C. §1343) and with conspiracy to commit wire fraud (click here to access 18 U.S.C. §1349).

​The defendants had argued that they could not be convicted of wire fraud because a violation under the relevant statute requires the making of affirmative misrepresentations and spoofing trading does not entail false statements. According to defendants, their orders – even if spoofing orders – entailed no representations beyond their stated terms and solely communicated an implied commitment that if their orders were accepted before cancelled, they would be filled according to their terms.

The Hon. John Tharp, Jr., the presiding judge in this matter, disagreed with defendants’ arguments. He wrote that omitting or concealing material information, even absent a duty to disclose, constitutes a violation of wire fraud prohibitions “if the omission was intended to induce a false belief and action to the advantage of the schemer and the disadvantage of the victim.” Judge Tharp claimed that when orders are placed with an intent to cancel them before execution in connection with spoofing, the intent is to create a “false belief about the supply or demand for a commodity” so that a market moves in a direction to execute resting orders of the spoofer on one side of the market to the detriment of other traders on the other side of the market who are not knowledgeable of the spoofer’s trading intent.

The court also rejected defendants’ argument that the wire fraud statute is unconstitutionally vague. Judge Tharp wrote that spoofing is similar to pump and dump schemes that have frequently been prosecuted under wire fraud prohibitions.

The Dodd Frank Wall Street Reform and Consumer Protection Act that contained an express spoofing prohibition was not signed into law until July 21, 2010, and the anti-spoofing provision was not effective until July 16, 2011. Thus, the DOJ could not prosecute defendants utilizing the prohibition for the overwhelming majority of their purportedly illicit spoofing transactions. (Click here for background regarding the effective date of the anti-spoofing prohibition and other provisions of Dodd-Frank.)

Policy and Politics: In February 2019, the Futures Industry Association filed a friend of the court brief in this matter arguing that prosecuting defendants for wire fraud (and not spoofing) raised issues of concern to the business community because such action implied that orders entered without an intent of execution for any reason constituted fraudulent statements to the marketplace. However, observed FIA, such a view would challenge “the vitality of the established legal precept” that market participants have no obligation to disclose any information in connection with open orders including their intentions regarding such orders. According to FIA, criminalization of “a market participant’s failure to disclose trading intentions opens the door for arbitrary prosecutions and vexatious private claims.” (Click here to access a copy of the FIA filing.) The US Chamber of Commerce, the Bank Policy Institute and the Securities Industry and Financial Markets Association made similar arguments in a friend of the court brief they also filed in this matter.

More Briefly:

  • CFTC Chair Says Position Limits Proposal Coming Soon; Head of DSIO Says Thematic Reviews Coming Soon Too: In a kick-off speech before FIA Expo in Chicago last week, Heath Tarbert, Chairman of the Commodity Futures Trading Commission, said the Commission will propose new position limits rules within the next few months. He also said that, among his other objectives, were issuance of a framework for principles-based regulation generally, principles guidance for digital assets, enforcement penalty guidance, and a cross-border rule for swap dealers. Although he associated no specific time frames with his other objectives, Dr. Tarbert quoted Thomas Edison in saying that “vision without execution is hallucination.”

Separately, Joshua Sterling, Director of the CFTC’s Division of Swap Dealer and Intermediary Oversight, indicated that his Division staff would soon commence targeted thematic reviews of swap dealers and commodity pool operators. In a speech before the Alternative Investment Management Association, Mr. Sterling said the purpose of the review would be “both to mitigate the potential for blind spots in our oversight and enhance our engagement with registrants.” According to Mr. Sterling, firms subject to reviews are those likely “to have a significant impact” on derivatives markets and each review would be completed onsite within five business days. The objective of the reviews is not to refer matters to the Division of Enforcement, he said, but to provide general guidance to the industry and determine potential rulemakings.

  • US and Non-US Companies Charged by CFTC for Acting as Unregistered FCMs: XBT Corp. SARL d/b/a First Global Credit (FGC) settled charges brought both by the Commodity Futures Trading Commission and the Securities and Exchange Commission that if offered and sold investment products to US person in return for payments in bitcoin in violation of certain legal provisions. According to both regulators, FGC is a Switzerland-based company that maintains a website and platform to solicit customers to trade futures and securities products.

The CFTC alleged that, from March 2016 through July 2017, FGC solicited and allowed US persons to trade futures on the Chicago Mercantile Exchange’s Globex platform without being registered as a futures commission merchant. The SEC charged that from 2014 through 2019, the firm offered and sold instruments based on US and internationally listed stocks to US persons that did not meet certain minimum financial standards by qualifying as “eligible contract participants” under applicable law (Click here to access a definition of an ECP at 7 U.S.C. §1a(18)). However, as these instruments constituted security-based swaps, they could only be sold to nonqualified US persons if the instruments were subject to an effective registration statement and were traded on a national securities exchange. FGC met neither of these requirements, alleged the SEC.

FGC settled with the CFTC and SEC by agreeing to pay each a US $100,000 fine. FGC additionally agreed to remit to the SEC US $32,952 as disgorgement and interest.

Unrelatedly, Upstream Energy Services LLC, a Texas-based crude oil and natural gas advisory firm, was also charged by the CFTC with operating as an FCM without registration. The CFTC claimed that between April 2017 and September 2018, the firm accepted orders for futures and options on behalf of two clients owned by the same person, and entered the orders and carried the resulting trades in its own trading accounts. Upstream extended credit to the clients for margin but was subsequently reimbursed by the clients for Upstream’s costs; Upstream also received fees from the clients for its trading services. Upstream agreed to pay the CFTC a US $75,000 fine to resolve its purported violation.

  • No Action Granted by SEC to NY Digital Trust Company to Settle Equities Transactions Without Clearing Agency Registration: Staff of the Securities and Exchange Commission granted Paxos Trust Company, LLC no action relief to act as a clearing agency for two years without registering as a clearing agency in connection with a private and permissioned distributed ledger system designed to facilitate simultaneous delivery vs. payment securities settlements. As a condition of its no action relief, Paxos will provide its offering to no more than seven participants; limit its services to a de minimus amount of activity; and solely settle equities that meet certain criteria. Paxos’s proposed settlement system will piggyback on existing structures by creating and utilizing digital representations of cash wired by broker-dealer participants to a Paxos bank account and digital representations of securities transferred by the same broker-dealers from their The Depository Trust Company accounts to a Paxos DTC account. According to a press release issued by Paxos, Credit Suisse and Société Générale will be among the first participants to use Paxos’s settlement services (Click here to access Paxos’s press release).

In other legal and regulatory developments involving Fintech:

  • DOJ Relies on Bitcoin Block Chain Analysis for Indictment of Leader and Users of Darknet Child Pornography Website: The Department of Justice quarterbacked the indictment of the founder of a darknet child pornography website – Welcome to Video ("WTV") – by a grand jury in the District of Columbia, and the arrest and charging of 337 site users nationwide and abroad. According to the DOJ, by tracing transactions on the bitcoin blockchain, it was able to identify the site’s alleged leader – Jong Woo Son — and the location of the site’s server’s physical location in South Korea. With analytic help from a private company, Chainalysis, DOJ was also able to identify the exchanges on which bitcoin was initially purchased for use on WTV, thus allowing the DOJ to identify potential users by relying on the exchanges’ know-your-customer information. (Click here to access background by Chainalysis.)

  • CFTC Chair Stresses Need for Principles-Based Regulation to Accommodate Fintech and Announces Elevation of LabCFTC to Operating Office: Heath Tarbert, Chairman of the Commodity Futures Trading Commission’s, indicated that innovation in the derivatives industry can best be encouraged by providing a “principles-approach to regulation.” Contemporaneously, during a presentation at the beginning at the CFTC’s Fintech Forward 2019 conference on October 24, Dr. Tarbert announced the elevation of LabCFTC to an independent operating office within the Commission (as opposed to a part of the Office of General Counsel) and the CFTC’s new membership in the Global Financial Innovation Network. GFIN is an organization of global regulators that encourages cooperation in the development, execution and distribution of new technologies. In connection with the Fintech Forward conference, LabCFTC also issued a primer on Artificial Intelligence (click here to access). The Securities and Exchange Commission, the Federal Deposit Insurance Corporation  and the Office of the Comptroller of the Currency also announced they joined GFIN last week (click here for background).

  • OCC Loses Effort to Have Scope of DFS Judgment Limiting National Fintech Charters Narrowed: A federal court in New York City granted the New York Department of Financial Services’ request for an order precluding the Office of the Comptroller of the Currency from approving fintech applicants who do not accept deposits for national bank charters. Both parties had agreed to the general framework of a proposed order mandating such outcome, but OCC had sought to limit its application solely to fintech applicants that had a nexus to New York State. Previously, the same court had ruled that NYS had standing to bring its legal action. (Click here for background in the article “Federal Court Opens Spigot Permitting NY DFS Lawsuit to Proceed Against Federal Bank Regulator for Planning to Issue Fintech Charters” in the May 5, 2019 edition of Bridging the Week.) In September 2019, a federal court in the District of Columbia ruled that the Conference of State Bank Supervisors had no standing to bring an analogous action against OCC, writing that the organizations' claims were unripe as, to date, no fintech company has applied for a relevant charter. (Click here for a copy of the relevant court decision.)

  • Purported Faulty Block Trade Reporting, Prearranged Trading to Obtain Exchange Incentive Fees and Failure to Supervise Result in NYMEX Disciplinary Action Settlements: McNamara Options Ltd. agreed to pay a fine of US $70,000 to resolve charges brought by the New York Mercantile Exchange that it failed to accurately reflect execution times on multiple block trade submissions and failed to report such block trades within required time frames. NYMEX also alleged that the firm did not “properly” train its employees regarding its requirements to accurately reflect the execution time of block trades on submissions. 

Unrelatedly, Ze Qian, a nonmember, resolved an unrelated disciplinary action by NYMEX that claimed he prearranged the execution of transactions involving steel futures between an account he traded for his employer and an account owned and controlled by another person to enable Mr. Qian’s employer to receive trade credits from a market-maker incentive program administered by the exchange. To resolve this matter, Mr. Qian agreed to pay a fine of US $5,000 and serve a two-year all CME Group exchanges’ access ban. 

Additionally, three nonmembers were all fined either US $40,ooo or US $50,000 by the Commodity Exchange, Inc. or NYMEX and permanently barred from accessing CME Group exchanges for trading for engaging in spoofing trading. The three persons are Shiv Agarwal, Krishna Lakani and In-Ho Hwang. Finally, Boston Metal Co., Ltd was also sanctioned US $40,000 for failing to supervise one of its employees who allegedly engaged in spoofing trading and for not ensuring that each of its traders used a unique Tag 50 identification when placing electronic orders.

  • Two Affiliated Broker-Dealers Agree to US $15 Million Sanction for Purported AML Program and Supervisory Deficiencies: BNP Paribas Securities Corp. and BNP Paribas Prime Brokerage, Inc. agreed collectively to pay a fine of US $15 million to resolve allegations by the Financial Industry Regulatory Authority that, from February 25, 2013 through March 31, 2017, they failed to maintain and administer an adequate anti-money laundering program. Among other matters, FINRA claimed that until 2016, the firms did not conduct surveillance of penny stock transactions or transactions outside of traditional exchanges despite the heightened risks of such transactions including fraud, money laundering and lack of registration of such stocks with the Securities and Exchange Commission. The firms reviewed wire transfers involving US dollars, acknowledged FINRA, but purportedly failed to monitor wires involving foreign currencies or any wires to assess whether they involved high-risk jurisdictions or entities. FINRA claimed that during the relevant time, some employees of the firms escalated concerns regarding the adequacy of their AML program to senior management; however, said FINRA the firms “did not act in a timely manner to address the deficiencies its personnel identified.” FINRA indicated it considered the firms’ remediation efforts which commenced during its review in computing the amount of the firms’ fine.

  • Trader Accused by SEC of Making Misstatements Regarding Bond Pricing Asks for Summary Judgement Claiming Practices Were Industry Norm: James Im, who was sued by the Securities and Exchange Commission in 2017 for purportedly engaging in fraud by misrepresenting information related to commercial mortgage-backed securities he sold to customers, supported a motion for summary judgment in his favor by arguing that while his statements may have been misleading, they were not materially misleading and, in any case, none of his customers relied on them. This is because, claimed Mr. Im, none of Mr. Im’s customers would have considered his statements in assessing the value of the bonds he sold or whether to purchase them as they engaged with him solely on a principal to principal basis and he never acted on their behalf as an agent. Moreover, said Mr. Im, at no time did he act with scienter or recklessly because his misstatements were solely “negotiating positions [and] nothing more”, and “market participants understood that such misstatements were not uncommon.” Mr. Im was previously co-head of the CMBS desk at Nomura Securities International, Inc. (Click here for a copy of the SEC’s original complaint against Mr. Im.)

For further information

CFTC Chair Says Position Limits Proposal Coming Soon; Head of DSIO Says Thematic Reviews Coming Soon Too:

CFTC Chair Stresses Need for Principles-Based Regulation to Accommodate Fintech and Announces Elevation of LabCFTC to Operating Office:
https://www.cftc.gov/PressRoom/SpeechesTestimony/opatarbert1

District Court Judge Calls for Do Over in Settlement of CFTC Enforcement Action Against Food Giants After Court of Appeals Mostly Grants Commission’s Mandamus Request:

Court of Appeals:
http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Display&Path=Y2019/D10-22/C:19-2769:J:Easterbrook:aut:T:fnOp:N:2417645:S:0

District Court:
/ckfinder/userfiles/files/Kraft%20Docket%20Notice%2010-23.pdf

DOJ Relies on Bitcoin Block Chain Analysis for Indictment of Leader and Users of Darknet Child Pornography Website:
https://www.justice.gov/opa/press-release/file/1210441/download
https://www.justice.gov/opa/press-release/file/1210461/download

US and Non-US Companies Charged by CFTC for Acting as Unregistered FCMs:

House Ag Committee Proposes CFTC Reauthorization That Includes Aiding and Abetting Expansion:
https://docs.house.gov/meetings/AG/AG00/20191030/110178/BILLS-1164895ih.pdf

No Action Granted by SEC to NY Digital Trust Company to Settle Equities Transactions Without Clearing Agency Registration:
https://www.sec.gov/divisions/marketreg/mr-noaction/2019/paxos-trust-company-102819-17a.pdf

OCC Loses Effort to Have Scope of DFS Judgment Limiting National Fintech Charters Narrowed:
/ckfinder/userfiles/files/Lacewell%20v_%20OCC%2010%20-23(1).pdf

Purported Faulty Block Trade Reporting, Pre-arranged Trading to Obtain Exchange Incentive Fees and Failure to Supervise Result in NYMEX Disciplinary Action Settlements:

Spoofing Can Violate of Wire Fraud Statute Rules Federal Judge:
/ckfinder/userfiles/files/USA%20v_%20Vorley.pdf

Trader Accused by SEC of Making Misstatements Regarding Bond Pricing Asks for Summary Judgement Claiming Practices Were Industry Norm:
/ckfinder/userfiles/files/SEC%20v_%20IM%20SJ.pdf

Two Affiliated Broker-Dealers Agree to US $15 Million Sanction for Purported AML Program and Supervisory Deficiencies:
https://www.finra.org/sites/default/files/2019-10/bnp-awc-102419.pdf

The information in this article is for informational purposes only and is derived from sources believed to be reliable as of November 2, 2019. No representation or warranty is made regarding the accuracy of any statement or information in this article. Also, the information in this article is not intended as a substitute for legal counsel, and is not intended to create, and receipt of it does not constitute, a lawyer-client relationship. The impact of the law for any particular situation depends on a variety of factors; therefore, readers of this article should not act upon any information in the article without seeking professional legal counsel. Katten Muchin Rosenman, LLP may represent one or more entities mentioned in this article. Quotations attributable to speeches are from published remarks and may not reflect statements actually made. Views of the author may not necessarily reflect views of Katten Muchin or any of its partners or employees.


          

Hong Kong FinTech Week: Day 1 in Review

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SFC outlines new regulatory framework for virtual asset trading platforms, HKMA highlights recent FinTech initiatives, and PBOC discusses China’s forthcoming central bank digital currency. By Simon Hawkins and Kenneth Y.F. Hui The fourth annual Hong Kong FinTech Week conference kicked off with a major announcement from Mr. Ashley Alder, Chief Executive Officer of the Securities...
          

Relational database - no longer a thingy?

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Was chatting with some friends who are semi-close to the high tech circle today and I was told that all the big tech companies like Amazon and Google, even some fintech companies, are no longer using relational database to store information. Things like MS-SQL or MySQL or Oracle are somewhat outdated and replaced by some new technology...

Is that true or my friend was being misinformed? I am not too familiar with that side of the world so I am semi-suspicious. If he is right, what is the popular types of DB those companies use these days?


          

ZEW Discussion Papers DP Nr. 19-045: Schutz der Robo Advisor vor Marktbarrieren: Zugriffsrechte auf Banken-Schnittstellen?

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Die Entwicklung des Robo Advice bietet bankenunabhängigen FinTechs die Chance, sich Anteile am Markt für Anlageberatung, Vermittlung und Verwaltung von Finanzinstrumenten zu erobern. Dauerhaft werden sie sich allerdings nur dann als unabhängige Anbieter behaupten können, wenn ihnen alle technischen Möglichkeiten offenstehen, um ihr Angebot weiter zu verbessern und vor allem zu individualisieren. Dies wäre der Fall, wenn sie ihren Kunden anbieten könnten, Vermögenswerte und Liquiditätsentwicklungen über alle Depots und Konten hinweg zu analysieren um auf dieser Grundlage festgelegte Portfoliostrategien umzusetzen und Liquiditätsanforderungen zu erfüllen. Hierfür wären sie allerdings...


          

BaFin starts new unit for high risk banks, correspondent banking a risk

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BaFin has launched a new "intensive care unit" for high-risk banks to focus on the bank-specific results of the German National Risk Assessment (NRA) just published, it said. The German NRA, led by the Federal Minister of Finance, has identified a high risk in large, internationally active banks, particularly in correspondent banking, it found. This is an area of priority for BaFIN, which was involved in the NRA's preparation, and it has separately this year expanded a special representative it had put in at Deutsche Bank to review its group-wide risk management processes in correspondent banking. "The [Federal Minister of Finance] identified a particular risk for large banks in the context of cash, financial transfer and correspondent banking transactions, in addition to innovative business models and new technologies offered by fintech companies," said Simon Ufer, an adviser in BaFin division AML/CFT supervision and inspection of financial institutions, in a new BaFin expert view. BaFin's
          

Objavljen program F2I - glavni panel "Privatnost i digitalne financije" vodi Rašeljka Maras

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Na konferenciji Fintech & Insurtech koja se održava naredni tjedan, 12. i 13. STUDENOG u Kaptol Boutique Cinema jedno od bitnih pitanja o kojem ćemo diskutirati prvog dana konferencije, pitanje je privatnosti i digitalnih financija. Na samoj konferenciji prvi dan nešto je više posvećen Fintechu, a drugi nešto više, iako ne posve, Insurtechu, tehnologiji u industriji osiguranja
          

Privatnost i financijska industrija u središtu su pozornosti najznačajnijeg domaćeg fintech skupa

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Ne treba dokazivati da je privatnost nejasan pojam – države, regulatori, zajednice, koriste se njime onako kako im odgovara. Upravo zato, privatnost će definirati način poslovanja u digitalnom dobu. Rasprava o libri oblikovat će digitalne financije
          

Još samo desetak dana do druge Shift Money konferencije

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Drugo izdanje konferencije Shift Money koja će na jednom mjestu okupiti pripadnike FinTech industrije iz Hrvatske i svijeta održat će se 18. i 19. studenog 2019. godine u zagrebačkoj Laubi.
          

XPAY ergänzt sein Payment-Card-Network mit Black&Whitecard als erstes Endnutzerprodukt

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XPAY: München (ots) - XPAY (https://www.xpay.de/), Münchener Fintech und Anbieter innovativer Payment-Lösungen, ergänzt das eigene Payment-Card-Network um die Black&Whitecard - das erste einer Reihe von Finanzprodukten, die auf Endnutzer ausgerichtet ...
          

Global Crypto Framework Needed to Stop ‘Regulatory Arbitrage,’ Watchdog Warns

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Hong Kong’s chief securities regulator says world regulators needs a united response to Facebook’s Libra to tackle the “real risk of regulatory arbitrage.” In remarks delivered Wednesday at Hong Kong Fintech week, Ashley Alder, chief executive officer of the Hong Kong Securities and Futures Commission (SFC), said Libra and other “Big Tech” stablecoin projects pose a deep threat to fragmented financial regulators around the world.  The risk comes not when countries shore up their domestic anti-money laundering and consumer protection laws, but when some do, and others don’t, Alder said.…

The post Global Crypto Framework Needed to Stop ‘Regulatory Arbitrage,’ Watchdog Warns appeared first on CRYPTO BIT NEWS.


          

Executive Assistant to CFO and CPO - temporary to permanent

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Immediate Start; Temporary to Permanent OpportunityUp to £20 p/h dependent on experienceExperience of Google Suite is essentialI am currently searching for an experienced EA to support the CFO and CPO of an emerging Fintech business based in Shoredit
          

Examining the recommendations of the Steering committee report on fintech related issue

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none
          

Indian startup quickly monetizes gold and collects interest on it

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Who can honestly say the metal isn't money? Who can honestly say it doesn't pay interest?

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A Startup Is Cashing In on India's $1 Trillion Gold Stash

By Suvashree Ghosh and Saritha Rai
Bloomberg News
Wednesday, November 6, 2019

When Vijay Mhatre needed cash to make up a shortfall for his son's engineering school tuition, he pledged his wife's necklace and bangles. Instead of going to the nearest pawnbroker or bank, the 55-year-old called Rupeek Fintech Pvt Ltd., summoning a representative of the online gold lender to his 650-square-foot Mumbai apartment and sidestepping the ignominy of being seen pawning the family jewelry.

... Dispatch continues below ...

https://www.sacurrent.com/the-daily/archives/2019/11/06/texas-voters-app...



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Great Bear Drills New Near-Surface High-Grade 'Yauro Zone' Discovery at Dixie:
10.32 g/t Gold Over 18.20 m, 5.60 g/t Gold Over 25.25 m, and 16.60 g/t Gold Over 6.00 m

Company Announcement
Wednesday, October 30, 2019

VANCOUVER, British Columbia, Canada -– Great Bear Resources Ltd. (TSX-V: GBR) today reported new results from its ongoing, fully-funded 90,000-metre drill program at its 100%-owned Dixie project in the Red Lake district of Ontario.

Three new gold discoveries have been made and drill results disclosed in this announcement are from the following zones along the LP Fault: Yauro (new zone), Viggo (new zone), Bear-Rimini, Northwest of Bear Rimini; and along the North Fault (new zone), which runs parallel to the LP Fault. ...

Results include: 32 g/t gold over 2.65 metres and 21.33 g/t gold over 3.30 metres, within a wider interval of 5.14 g/t gold over 37.40 metres; 30.66 g/t gold over 3.45 metres, within a wider interval of 5.60 g/t gold over 25.25 metres; and 35.96 g/t gold over 1.73 metres, within a wider interval of 2.01 g/t gold over 66.20 metres. ...

... For the remainder of the announcement:

https://mailchi.mp/08390992ba61/great-bear-drills-new-near-surface-high-...



A motorcycle-borne loan agent from the startup arrived within the hour. He used a computer vision-aided testing kit to appraise the metal's purity. A team 600 miles away crunched data to complete the background check and process the loan electronically. About 30 minutes later, 200,000 rupees ($2,800) had been deposited in Mhatre's bank account by one of Rupeek's partners, an Indian private lender called Federal Bank. The startup's 24/7 control room turned on the risk-monitoring system to track the agent, ensuring he securely deposited the jewelry at the bank's nearest vault.

Indians have a particular attachment to gold. Rural farmers and the urban working class alike invest their savings in the precious metal and flaunt jewelry at weddings. Gold, with a price that has spiked almost 18% this year, is both an insurance policy and a retirement plan in a country that lacks robust social welfare systems or widespread access to formal credit. "We don't have a lot of gold," says Mhatre, who works as a cashier at a financial-services company. "I gifted these gold ornaments to my wife five years ago. I want to get this gold back to my wife in two years by repaying the loan." ...

Rupeek started making the loans in 2016. Borrowers pay annual interest rates of 10.6 to 20%. That's higher than the 10.5 to 12% interest a bank might charge in India, but its home service and quick payouts remove the stigma of pawning family gold. Rupeek also doesn't charge appraisal fees that a bank might or deduct the sort of upfront fees a pawnshop might. ...

... For the remainder of the report:

https://www.bloomberg.com/news/articles/2019-11-06/a-startup-is-cashing-...

* * *

Help keep GATA going:

GATA is a civil rights and educational organization based in the United States and tax-exempt under the U.S. Internal Revenue Code. Its e-mail dispatches are free, and you can subscribe at:

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To contribute to GATA, please visit:

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Why the future of fintech is ‘networked learning’

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Last summer, the ‘Bitcoin bros’ epidemic took over NYC. Everywhere I went I saw people checking their phones and texting their friends as they traded Bitcoin – it was the bro-equivalent of Pokémon Go. The endless Bitcoin trading had the traders stressed but it also allowed them to connect over how much the currency was going up or down in the market, thereby, revealing just how large their portfolio was and how strong their trading skills they were. Bitcoin had turned the streets of NYC into a trading floor. When the Bitcoin obsession vaporized as quickly as it had appeared,…

This story continues at The Next Web

Or just read more coverage about: Fintech

          

Capacity Planning Analyst - myfuturerole.com - Wrexham

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Spring Technology are currently working in partnership with an exciting new Fintech company to recruit an experienced Capacity Planning Analyst with strong… £40,000 - £45,000 a year
From myfuturerole.com - Wed, 06 Nov 2019 11:53:02 GMT - View all Wrexham jobs
          

Latest Recruitment in a Fintech Company, 6th November, 2019

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Proten International – Our client, a Fintech company is in search of qualified candidate to fill the vacant position below:   Job Title: Operations Support Officer Location: Abeokuta, Ogun Recruitments The ideal candidate must possess relevant business related experience Excellent communication and interpersonal relationship skills. Highly proficient in the use of Microsoft Excel and Powerpoint Good... Read More

          

Ngân hàng và Fintech: Hợp tác để tạo bước đột phá

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Sự phát triển của công nghệ tài chính (Fintech) đang có những tác động mạnh mẽ tới hệ sinh thái tài chính - ngân hàng. Cơ hội mở ra sẽ càng lớn khi ngân hàng biết cách hợp tác cùng Fintech để triển khai mô hình ngân hàng số thành công.
          

Hong Kong Unveils New Rules for Cryptocurrency Exchanges

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Today, Hong Kong’s financial regulator — the Securities and Futures Commission (SFC) — has published a new set of regulations for Bitcoin (BTC) and cryptocurrency exchanges. The initial announcement, reported by Reuters, was made by Chief Executive Ashley Alder at a local fintech event on Nov. 6.  Regulatory clarity for crypto exchanges The new requirements detail how exchanges much approach custody and compliance, particularly with regards to Know Your Customer (KYC) and Anti-Money Laundering rules. Specifically:  “A platform operator should comply with the KYC requirements which are applicable to a…

The post Hong Kong Unveils New Rules for Cryptocurrency Exchanges appeared first on TradingBTC.com.


          

The latest The AvatarNemo Daily! https://t.co/MyozQNML7w Thanks to @cbrooks_95 @SoSofieFatale #ai #fintech

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The latest The AvatarNemo Daily! https://t.co/MyozQNML7w Thanks to @cbrooks_95 @SoSofieFatale #ai #fintech — Christian Contardi (@AvatarNemo) November 7, 2019 https://platform.twitter.com/widgets.js from Twitter https://twitter.com/AvatarNemo
          

Ra mắt cuốn sách “The FINTECH Book - Công nghệ tài chính dành cho Nhà đầu tư, Doanh nhân và người nhìn xa trông rộng”

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Ngày 31/10/2019, Bộ TT&TT đã tổ chức Hội thảo Toàn cảnh Công nghệ thông tin - Truyền thông Việt Nam (Vietnam ICT Outlook – VIO) với chủ đề “Định hình tương lai Fintech Việt Nam”. Nhằm lan tỏa định hướng phát triển doanh nghiệp công nghệ số, cùng với nhiều giải pháp thúc đẩy, hỗ trợ doanh nghiệp phát triển của Bộ TT&TT để góp phần hiện thực hóa chủ trương “Make in Việt Nam”, Nhà xuất bản TTT&TT đã kịp thời ra mắt bạn đọc cuốn sách “The FINTECH Book - Công nghệ tài chính dành cho Nhà đầu tư, Doanh nhân và người nhìn xa trông rộng” do tác giả Susanne Chishti và Janos Barberis biên soạn (Biên dịch: Nguyễn Khắc Quốc Bảo, Trần Hoài Nam, Lê Đạt Chí).


          

Fintech – Privatnost i financijska industrija

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Na konferenciji Fintech & Insurtech koja se održava  naredni tjedan, 12. i 13. STUDENOG u Kaptol Boutique Cinema jedno od […]

Objava Fintech – Privatnost i financijska industrija pojavila se prvi puta na MREŽA.


          

What is acceptance testing?

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What is user acceptance testing and how is it relevant to P2P? Kelsey Farish, a solicitor at DAC Beachcroft, explains… FINTECH COMPANIES are no strangers to technological innovation, but when they are creating technological solutions for retail investors, another skill is required – the ability to make their technology as user-friendly as possible. This is […]
          

ICBC launches fintech research institute to boost innovation

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State-owned Industrial and Commercial Bank of China (ICBC) has set up a new fintech research institute to push its smart banking strategy, according to a filing to the Hong Kong stock exchange on Monday. Why it matters: Chinese commercial banks are facing tougher competition from technology companies, such as Alibaba’s Ant Financial and Tencent, which […]

The Post ICBC launches fintech research institute to boost innovation appeared first on
Latest Technology News


          

YouTrip launches in Thailand, gojek to start test runs in Malaysia

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Singapore-based multi-currency travel wallet makes its international debut with a launch in Thailand, under a partnership with Kasikornbank. Claiming to be the first partnership of its kind between fintech startup and a bank in Thailand, the bank’s customers are now able to register for YouTrip’s service via the K PLUS app and will be able […]

The Post YouTrip launches in Thailand, gojek to start test runs in Malaysia appeared first on
Latest Technology News


          

Real estate fintech platform Immo Investment Technologies raises €11M Series A

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Immo Investment Technologies, a London-based fintech startup that purchase homes on behalf of buy-to-let investors, has closed €11 million in Series A funding. Backing the round is Talis Capital and HV Holtzbrinck Ventures, with participation from Tom Stafford and Rahul Mehta of DST Global, and Mato Peric, among others. In addition, the company is disclosing […]
          

Stealth fintech startup Digits raises $10.5 million Series A from Benchmark and others

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Stealth fintech startup Digits, from the same team that built Crashlytics to scale then sold to Twitter for more than $100 million, has raised a $10.5 million round of Series A funding, the company is announcing today. The round was led by Benchmark and has the backing of 72 angels, including founders and CEOs from […]
          

Former MTS and EBS chief appointed chairman of FinTech firm Wematch

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Wematch has appointed industry veteran and former chief executive of MTS and EBS, Jack Jeffery, as chairman.

The post Former MTS and EBS chief appointed chairman of FinTech firm Wematch appeared first on The TRADE.


          

Thử thách sáng tạo cùng công nghệ tài chính Việt Nam 2019

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Ngày 07/11/2019, trong khuôn khổ Chương trình Thử thách sáng tạo cùng công nghệ tài chính Việt Nam 2019 (Fintech Challenge Vietnam – FCV 2019), ngày trình diễn giải pháp công nghệ (Demo Day) đã diễn ra tại Hà Nội với sự tham gia của 16 đội vào vòng chung kết của cuộc thi FCV 2019.
          

Amazon CTO Werner Vogels says it will 'go out of business in 10 to 15 years' if it stops innovating

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Flickr / Interop Events Werner Vogels, Amazon's chief technology officer.Amazon chief technology officer Werner Vogels said the tech giant will "go out of business within 10 to 15 years" if it fails to keep innovating.Vogels was speaking at the Web Summit technology conference in Lisbon, Portugal on Monday, where he discussed a number of themes related to e-commerce and fintech alongside eBay's vice president of global payments, Alyssa Cutwright.The 61-year-old exec also said that "the biggest wins" for Amazon won't come from engaging in direct competition with its e-commerce rivals, such as eBay.Visit Business Insider's homepage for more stories.Amazon is hardly known for its aversion to innovation: in 2017, it reportedly spent an eye-watering $22.6 billion on research and development alone.
          

Senior Back End Developer (Conversion Team) for eToro (1900030C) в Ciklum, Киев

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On behalf of eToro, Ciklum is looking for a Senior Back End Developer (Conversion Team) to join Kyiv team on a full-time basis

You will be joining an agile team, developing new features, in our core product backend, and optimizing our onboarding funnel to result a significant business impact.
The team is part of our Experience group which develops eToro added value and differentiating features that drive the company growth....and we do it all fast!

About Client:
eToro is the world’s leading social trading network, providing more than 12 million users from around the world a one-stop-shop solution for their trading and investing needs. Since 2007, eToro has positioned itself as a Fintech leader, pioneering revolutionary practices such as social trading, blockchain and machine-learning-based investment products. eToro is a regulated and secure platform, operating in full transparency with its clients’ interest in mind.

eToro’s award-winning trading and investing platform is at the forefront of Fintech technology. Our Research and Development department develops cutting-edge technologies, focusing on field-relevant areas, such as blockchain and artificial intelligence. We offer competitive fees and an organizational culture which is both professional and fun.
Client’s website: etoro.com

Responsibilities
• Be part of a full-stack team (~6 ppl), actively participate in its agile ceremonies
• Work closely with team lead, product manager and marketing stakeholders to vision, develop and measure onboarding funnel improvements
• Design, develop, and auto. test new features and whole new microservices
• Re-factor or retire code; work to decrease tech. debt
• Act as tech. lead; mitigate risks; work to ensure quality, high availability and scalability
• Contribute to team deployment, CI/CD; including on-call escalation responsibility on production
• Collaborate with IT, Security and other RnD colleagues to ensure best practices
• Contribute to team knowledge; write technical documents and foster learning
• Promote good team atmosphere

Requirements
• Strong knowledge and skills in backend development including microservices, RESTful APIs and distributed system
• Proficient in one or more — C#, nodejs
• At least 5 years of experience as hands-on developer
• Good communication skills (English)

Desirable
• Experience with Redis, RMQ, SQL Server and cloud technologies (preferably Azure)
• Experienced with high availability, scalability and performance tuning
• Experienced with web client development (preferably Angular)

What’s in it for you
• Working with the latest technologies; experience high scale on world-known product
• Competitive salary
• Long-term employment with 20 working-days paid vacation and other social benefits
• State of the art, cool, centrally located offices with warm atmosphere and dynamic environment

About Ciklum:
Ciklum is a top-five global Software Engineering and Solutions Company. Our 3,000+ IT professionals are located in the offices and delivery centers in Ukraine, Belarus, Poland and Spain.
As Ciklum’s employee, you’ll have the unique possibility to communicate directly with the client when working in Extended Teams. Besides, Ciklum is the place to make your tech ideas tangible. The Vital Signs Monitor for the Children’s Cardiac Center as well as Smart Defibrillator, the winner of the IoT World Hackathon in the USA, are among the cool things Ciklumers have developed.
Ciklum is a technology partner for Google, Intel, Micron, and hundreds of world-known companies. We are looking forward to seeing you as a part of our team!

Join Ciklum and “Cross the Borders” together with us!
If you are interested — please send your CV to hr@ciklum.com


          

Korzystasz z Revolut? Musisz to przeczytać

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Revolut bardzo szybko zyskuje na popularności w Polsce. Nie powinno to nikogo dziwić, ponieważ oferta brytyjskiego fintechu jest atrakcyjna, a do tego cały czas jest rozszerzana o kolejne usługi. Do użytkowników rozesłano jednak ważną informację, której nie powinni zignorować. Założę się, że większość z Was ignoruje e-maile o zmianach w regulaminach i polityce prywatności – […]

Przeczytaj pełny artykuł tutaj: Korzystasz z Revolut? Musisz to przeczytać

Źródło


          

Lack of synergy between regulators, fintech developers killing innovations—BHIU

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Fintech latest
Leading independent market research arm of Business Hilights Group, the Business Hilights Intelligence Unit (BHIU), has released its third quarter report on the Nigerian Financial Sector, saying the major drawback in the growth of Financial Technology (FinTech) sub-sector of the economy is the wide gap between fintech developers and government regulatory agencies. The report released […]
          

New Fintech, HMBradley, Announces Unique High-Yield Bank Account

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The new fintech, HMBradley, has launched a website describing a new digital banking platform that offers a deposit account with a 3% APY.
          

Comment on Applications to Canada FinTech Forum pitch contest extended by a week by MichaelInall

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New-age fintech lending startups report profits in the last financial year

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Lendingkart reported a profit of Rs 34 crore last fiscal year, on revenue of Rs 245 crore, while Aye Finance posted a profit of Rs 25 crore, on revenue of Rs 217 crore, a jump of 82% over the previous year, according to the data.
          

Can tokenization and other fintech initiatives help save the planet's biodiversity?

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Sustainable Digital Finance Alliance (SDFA) - a non-profit organisation with a high-level Advisory Board co-chaired by United Nations Environment Programme UNEP and Ant Financial Services Group - has launched its "Fintech for Biodiversity Challenge" to identify fintech companies across the globe with solutions to support the United Nations' goals around biodiversity.


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