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          10/10/2018: Front Page: Fintech, Ecomm Cos to be Hit by Google’s Curbs      Cache   Translate Page      
Google’s decision to curb apps’ access to users’ call logs and texts will hit financial services firms as well as ecommerce players that scrape such information to determine credit scores and build customer profiles, report Aditi Shrivastava and Nilesh...
          Field Support Officers/Business Officer at ITEX Integrated Services Limited      Cache   Translate Page      

ITEX Integrated Services Limited welcomes you to a world of secure and convenient Online and Mobile payment solutions. We are an innovative FinTech company that designs and deploys secured solutions. Our wide range of innovative products and services are tailored to meet your unique transactional needs.

We are recruiting to fill the position below:

Job Titl


          Entry-level Customer Service and Collections Officer at OneFi      Cache   Translate Page      

OneFi is one of Africaandrsquo;s fastest growing and most innovative FinTech platforms. We are looking to dominate the lending space through technological innovation and pride ourselves on our entrepreneurial and fast-paced culture.

We are recruiting to fill the position below:

Job Title: Customer Service and Collections Officer

Location:andn


          Goldman Sachs has joined George Soros and Steve Cohen in backing an Argentinian mobile banking startup      Cache   Translate Page      

Argentine Argentina flag

  • Ualá, an Argentinian mobile banking startup, has raised $34 million in a new round of funding led by Goldman Sachs's venture unit, along with investors including billionaire George Soros' family office and Point 72 Venture, the early-stage VC firm funded by Steve Cohen.
  • The company - which offers a financial management app and a fee-free prepaid MasterCard - aims to disrupt the traditional retail banking infrastructure, according to Pierpaolo Barbieri, founder and CEO of Ualá.

Goldman Sachs' venture unit is leading a new round of investment in an Argentinian fintech company backed by billionaire investors George Soros and Steven Cohen. 

Ualá, the one-year-old mobile banking startup, raised $34 million in its series B round led by Goldman Sachs Investment Partners, along with existing investors including a private fund managed by Soros Fund Management, Jefferies, the venture arm of Steve Cohen's Point 72, and entrepreneur Kevin Ryan, according to an announcement seen by Business Insider.

Goldman Sachs provided over half of the capital, according to Pierpaolo Barbieri, founder and CEO of Ualá.

The Buenos Aires-based startup offers a personal financial management app that is linked to a prepaid Mastercard, which doesn't charge opening fees, transaction fees, and renewal fees. In the span of one year, the company has issued 400,000 cards, which allow users to top up cellphones, make purchases, and conduct P2P money transfers. 

"Our goal is to replace the traditional retail banking infrastructure with Ualá," Barbieri said.

Over 50% of people in Argentina had never had a card before and are only operating in cash, so the company aims to provide these people financial inclusion by giving them access to financial system, he added.

“Ualá’s product offering reduces both cost and friction, while providing a great consumer experience,” said Christopher Dawe, cohead of Goldman Sachs Investment Partners venture capital & growth equity team. “We are excited by the company’s mission of improving access to critical financial services and look forward to partnering with the Ualá team on their next phase of growth.”

Ualá will tap into the new fund to boost its user growth, expand its headcount, and execute the launch of a credit and savings platforms, according to the announcement.

International appetite in Latin American startups hit a peak last year, with global venture capital investments in the region surpassing $1 billion in 2017 for the first time, according to The Association for Private Capital Investment in Latin America

ALSO READ:

Join the conversation about this story »

NOW WATCH: Beware one huge mistake investors often make when the economy is at a crossroads, says Charles Schwab’s investment chief


          Brazil’s healthtech sector is new hot spot      Cache   Translate Page      
Like recent Brazilian investment booms focused on fintech innovation and new on-demand business models, there’s been a recent explosion in healthtech startups in Brazil.
          Brazil’s healthtech sector is new hot spot      Cache   Translate Page      
Like recent Brazilian investment booms focused on fintech innovation and new on-demand business models, there’s been a recent explosion in healthtech startups in Brazil.
          Oakleaf Partnership: Head of Reward/Reward Manager      Cache   Translate Page      
Oakleaf Partnership: Oakleaf Partnership are working with a market leading FinTech organisation based in Hertfordshire, recruiting for a Head of Reward/Reward Manager to join them. This opportunity will require you to design and implement a robust total reward strategy which Hatfield
          Brazil’s healthtech sector is new hot spot      Cache   Translate Page      
Like recent Brazilian investment booms focused on fintech innovation and new on-demand business models, there’s been a recent explosion in healthtech startups in Brazil.
          Binance to Make Listing Fees Transparent, Give Proceeds to Charity      Cache   Translate Page      
Binance charity

Binance, the largest cryptocurrency exchange by trading volume, said that it will make new cryptocurrency listing fees transparent and donate 100 percent of those fees to charity.

The exchange made the announcement today, October 8, 2018, in a blog post where it stated that a listing fee would now be more appropriately called a “donation.”

Listing fees have been a pain point for cryptocurrency projects. Projects depend on getting their coins listed on exchanges for liquidity. News of getting listed on a major exchange can cause a coin to spike in value overnight. Yet, many projects have complained of exorbitant listing fees.  

In April 2018, Bloomberg reported that according to Autonomous Research some crypto trading platforms were charging $1 million to $3 million to list a token — 10 times more than what a traditional exchange, like Nasdaq, demands for securities.  

Binance, which now handles most of its operations out of Malta, has been a target of many of those complaints. In August 2018, Christopher Franko, co-founder of Expanse, a fork of Ethereum, tweeted that Binance wanted to charge 400 bitcoin ($2.5 million) to list a coin. Binance CEO Changpeng Zhao refuted the accusation. “We don't list shitcoins even if they pay 400 or 4,000 BTC,” he tweeted.

Now, according to Binance, cryptocurrency projects will be able to name their price. “Binance will not dictate a number, nor is there a minimum required listing fee,” the exchange said, adding that it won’t be swayed by larger bids either. “A large donation does not guarantee or in any way influence the outcome of our listing review process.”

Once the two parties reach an agreement, the exchange said it will disclose the fee via its charity arm Blockchain Charity Foundation. Binance launched the arm in Malta in July 2018 as a way to funnel some of its profits to philanthropic endeavors. The foundation is chaired by Helen Hai, a goodwill ambassador for the United Nations Industrial Development Organization.

“Hope others will follow,” CZ tweeted earlier today, alluding to the announcement.

Binance was originally founded in Hong Kong in 2017. Within six months, it was already touted as one of the biggest crypto exchanges in the space. Its growth is largely due to its ability to onboard new coins quickly. The exchange currently has 387 crypto-to-crypto trading pairs.



This article originally appeared on Bitcoin Magazine.


          This fintech's mission: Don't replace banking, simplify it      Cache   Translate Page      
Bank Novo isn't a business lender (lots of firms already do that) or an account provider (it has a bank partner for that). Instead, it provides small businesses tools to track and analyze their banking activities.
          Comment on Nutmeg loss deepens as regulatory burden bites by Neil Liversidge      Cache   Translate Page      
I've been in meetings with FinTech types who say, with a straight face, "We're going to make it possible for somebody who pays £2.75 in a coffee bar to round it up to £3 and put the extra 25p in a stock-and-shares ISA. There are others who say that young adults these days don't want to spend time engaging with an adviser because they supposedly have more important things to do. Those people are the supposed market for robo-advisers. Fine. Nutmeg et al are welcome to that market and are welcome to lose £12.4m a year servicing it. We'll carry on as we are thank you very much, because we have no difficulty at all engaging with young adults needing advice who do have sufficient common sense as to realise that they can allocate 90 minutes a year out of their busy schedule, that it doesn't have to be in the middle of Glastonbury of the Leeds Fest, and that Costa-lot Coffee will still be there for them AFTER the meeting. We for our part have zero wish to engage with those who don't wish to engage with a real human being. In our experience, such people tend to be incapable of taking advice anyway, as well as being unwilling to pay for it. So, go for it Nutmeg, you're doing us a favour!
          IA reveals first cohort of FinTech firms at official launch of Velocity accelerator      Cache   Translate Page      
The Investment Association (IA) has unveiled at its launch event held on Tuesday evening the first c...
          Smith Appointed To Govt FinTech Business Unit      Cache   Translate Page      
Wayne Smith has been seconded from the Bermuda Post Office for a period of 12 months to head the Ministry’s Fintech Business Unit, where he will “manage and oversee the Ministry’s rapidly expanding fintech initiatives.” “The public should be aware that local and global interest in the Government’s Fintech Strategy has grown considerably in the […]

(Click to read the full article)


          Le club de football de Lille choisit une Fintech pour doper ses ventes      Cache   Translate Page      
Le club de football de Lille, le LOSC a choisi la Fintech Pledg afin que ses supporters puissent acheter facilement plusieurs billets en partageant le paiement sur sa billetterie en ligne. Paiement à plusieurs instantané Le club de Ligue 1 (suite…)
          Goldman Sachs has joined George Soros and Steve Cohen in backing an Argentinian mobile banking startup      Cache   Translate Page      

Argentine Argentina flag

  • Ualá, an Argentinian mobile banking startup, has raised $34 million in a new round of funding led by Goldman Sachs's venture unit, along with investors including billionaire George Soros' family office and Point 72 Venture, the early-stage VC firm funded by Steve Cohen.
  • The company - which offers a financial management app and a fee-free prepaid MasterCard - aims to disrupt the traditional retail banking infrastructure, according to Pierpaolo Barbieri, founder and CEO of Ualá.

Goldman Sachs' venture unit is leading a new round of investment in an Argentinian fintech company backed by billionaire investors George Soros and Steven Cohen. 

Ualá, the one-year-old mobile banking startup, raised $34 million in its series B round led by Goldman Sachs Investment Partners, along with existing investors including a private fund managed by Soros Fund Management, Jefferies, the venture arm of Steve Cohen's Point 72, and entrepreneur Kevin Ryan, according to an announcement seen by Business Insider.

Goldman Sachs provided over half of the capital, according to Pierpaolo Barbieri, founder and CEO of Ualá.

The Buenos Aires-based startup offers a personal financial management app that is linked to a prepaid Mastercard, which doesn't charge opening fees, transaction fees, and renewal fees. In the span of one year, the company has issued 400,000 cards, which allow users to top up cellphones, make purchases, and conduct P2P money transfers. 

"Our goal is to replace the traditional retail banking infrastructure with Ualá," Barbieri said.

Over 50% of people in Argentina had never had a card before and are only operating in cash, so the company aims to provide these people financial inclusion by giving them access to financial system, he added.

“Ualá’s product offering reduces both cost and friction, while providing a great consumer experience,” said Christopher Dawe, cohead of Goldman Sachs Investment Partners venture capital & growth equity team. “We are excited by the company’s mission of improving access to critical financial services and look forward to partnering with the Ualá team on their next phase of growth.”

Ualá will tap into the new fund to boost its user growth, expand its headcount, and execute the launch of a credit and savings platforms, according to the announcement.

International appetite in Latin American startups hit a peak last year, with global venture capital investments in the region surpassing $1 billion in 2017 for the first time, according to The Association for Private Capital Investment in Latin America

ALSO READ:

Join the conversation about this story »

NOW WATCH: Beware one huge mistake investors often make when the economy is at a crossroads, says Charles Schwab’s investment chief


          Interview: Explore Data Science Academy’s Shaun Dippnall      Cache   Translate Page      
In this episode of the podcast, Duncan McLeod interviews Shaun Dippnall, co-founder of the Explore Data Science Academy, on the launch of Explore 10X, a programme to develop new fintech businesses in South Africa.

          Wex partners with Melbourne-based FinTech Payment Logic       Cache   Translate Page      
See the rest of the story here.

Theflyonthewall.com provides the latest financial news as it breaks. Known as a leader in market intelligence, The Fly's real-time, streaming news feed keeps individual investors, professional money managers, active traders, and corporate executives informed on what's moving stocks. Sign up for a free trial at theflyonthewall.com to see what Wall Street is buzzing about.
          Las ‘fintech’ agradecen los planes del Gobierno de crear un sandbox antes de Navidad      Cache   Translate Page      
Nadia Calviño ha anunciado la creación de un sandbox regulatorio para las fintech antes de que acabe el año... y el sector lo agradece aunque pide concreción y una dotación presupuestaria adecuada.
          Visa amplia programa de fast-track para fintechs da América Latina e Caribe      Cache   Translate Page      
Com o programa, fintechs conseguirão se integrar mais rapidamente à VisaNet, a rede global da operadora de cartões de crédito
          ‘Digital payments: Consumers prefer banks to fintech’      Cache   Translate Page      

  Against the backdrop of debate over the kind of threat that fintech poses to banks, a recent study conducted by ath Power Consulting revealed that traditional financial institutions were the most favored providers of digital payment services.   The study found that two out of five consumers (40 per cent) said they would prefer […]

The post ‘Digital payments: Consumers prefer banks to fintech’ appeared first on Newtelegraph.


          Tencent injecte 180 millions de dollars dans la FinTech brésilienne Nubank      Cache   Translate Page      

Ce tour de table permet au géant chinois d’étendre son influence à l’international en plaçant ses pions dans la première économie d’Amérique latine.

The post Tencent injecte 180 millions de dollars dans la FinTech brésilienne Nubank appeared first on FrenchWeb.fr.


          Interview: Explore Data Science Academy’s Shaun Dippnall      Cache   Translate Page      
In this episode of the podcast, Duncan McLeod interviews Shaun Dippnall, co-founder of the Explore Data Science Academy, on the launch of Explore 10X, a programme to develop new fintech businesses in South Africa.
          Lavoro: Hunters Group, crescono le opportunità in ambito fintech      Cache   Translate Page      
I profili professionali che le aziende del settore fintech stanno cercando sono sviluppatori, programmatori, team leader e project manager. Secondo Hunters, data la particolarità di programmazione e di prodotto in ambito fintech, sviluppatori e programmatori si inseriscono in un mercato diverso da quello tradizionale loro e possono quindi puntare a inquadramenti più alti rispetto ai Continua →
          Brand Manager      Cache   Translate Page      
A medium sized Fintech Organization is looking for a experienced Brand Manager to assist in the planning execution and optimization of their marketing efforts in Dubai The (more) p Login for more job information and to Apply
          Comentário sobre Vindi: a startup que se tornou um grupo investidor em fintechs por As 25 startups mais desejadas do Brasil – OasiLab Innovation Space      Cache   Translate Page      
[…] de cartões de sua preferência. O negócio cresceu tão rápido que, de 2016 para cá, já absorveu outras três startups. | Número global de funcionários: 100 | Sede: São Paulo | Crescimento sustentado: De 2013 a […]
          El techo legislativo que impide el despegue del ecosistema «fintech»      Cache   Translate Page      
La transposición de la directiva europea de pagos móviles (PSD2) se encuentra muy retrasada en España. En principio, esta directiva debería haber entrado en vigor el pasado mes de enero, pero este hecho no se produjo. Así, y según dictan desde la propia Comisión Europea, debería entrar a más tardar en septiembre de 2019 si no se quieren sufrir sanciones económicas. Este retraso perjudica en nuestro país al sector bancario y al de las «fintech», aquellas compañías tecnológicas que ofrecen servicios financieros, ya que esta directiva permite que las «fintech» del territorio de la Unión Europea accedan a los datos de los clientes de los bancos tradicionales, siempre y cuando estos lo autoricen, y que los bancos de un país operen en España y viceversa. El sector bancario se encamina a una transformación donde la experiencia del cliente y la digitalización de los procesos van a determinar la viabilidad de las compañías. Es por eso que la banca y las «fintech» buscan ir de la mano para hacer que el sector español sea más competitivo en el futuro. Sin embargo, hay voces que critican la actitud de la banca tradicional, mostrándose reticente a este aperturismo. De hecho, focalizan el retraso de la implementación de la PSD2 a este sector. «Les incomoda que terceros puedan acceder a los datos de sus clientes. Creen que retrasándolo todo les beneficia, pero en realidad les perjudica», explicó recientemente en un encuentro con la prensa Jordi Pérez, cofundador y director general de Unnax, startup que ofrece servicios financieros. Avisó, a su vez, de que nuestro país se encuentra a la cola a la hora de adaptarse a la PSD2, una rémora en la competitividad si nos comparamos con Alemania, Francia o Luxemburgo, países donde esta normativa ya está implementada. Irlanda, con una licencia que permite operar en toda Europa, es el país que más rédito logra del Brexit Estas palabras no sentaron bien en el sector bancario, que, desde su patronal, la AEB, salió a desmentir que los retrasos fueran por culpa de los bancos. De hecho, su portavoz, José Luis Martínez Campuzano, explica que «el retraso normativo perjudica igual o más a la banca que a los nuevos competidores». Asimismo, asegura que las entidades nacionales están preparadas para operar con la nueva directiva de pagos europea, tanto permitiendo el acceso conforme a la directiva como ofreciendo nuevos servicios a los clientes. Sin embargo, añadía que hacía falta un «amparo normativo» que garantice la seguridad de los clientes, algo que de momento no es posible. Para ello, los bancos deben hacer públicas las interfaces de programación de aplicaciones (APIs). Desde la AEB se asegura que las entidades quieren adelantar la puesta a disposición de las interfaces para ordenar de la mejor forma posible y de manera segura los accesos de terceros, pero la mayor parte de ellas todavía no pueden. Por su parte, la Asociación Española de Fintech (AEFI) tampoco comparte que sea la banca la culpable del retraso de la PSD2. En palabras de su vicepresidente, Arturo González, asegura que voces extraoficiales del proceso lo achacaron a la inestabilidad política de los últimos años. «Hay un problema intrínseco en nuestro país a la hora de sacar adelante las directivas europeas. Ahora mismo hay en torno a unas 20 leyes sin trasponer, por lo que me da a pensar que hay ineficiencias en cómo se traspone una ley. No somos capaces de aislar a los que deben hacerlo de otros problemas políticos», afirma Ocasión perdida Sea como fuere, el retraso de la implementación de la PSD2 está causando otros problemas añadidos a las «fintech». En primer lugar, al no haber un marco legal aprobado, las empresas nacionales todavía no pueden operar fuera de nuestras fronteras. Además, a ello se le añade que las empresas que proporcionan servicios de iniciación de pago (PISP) y los agregadores de cuentas de los clientes bancarios (AISP) necesitan una licencia de entidad de emisora de pagos. Aquí en España la media para obtenerla es de un año, según informa Unnax, mientras que en otros países, como Irlanda, se tarda solo dos meses. El país irlandés es el preferido de las «fintech» para establecerse. De hecho, como su cultura es parecida a la de Reino Unido, está acogiendo a todas aquellas que se están marchando por el Brexit. A pesar de que muchas llegaron a mirar hacia nuestro país para establecerse, finalmente, la tardanza a la hora de conceder la licencia, el retraso de la puesta en marcha de la normativa y que con la licencia irlandesa se puede operar en toda la UE están propiciando que la fuga sea hacia Irlanda. Los GAFA, el verdadero problema para la banca La nueva directiva de pagos en Europa terminará rompiendo las fronteras entre los países de la UE y proporcionará un servicio más digital. Todos los bancos deberán renovarse o morir y tratar de ofrecer una experiencia acorde a las exigencias del cliente tecnológico. En los albores, la banca tradicional sí mostró problemas con la llegada de las «fintech», pero pronto se dio cuenta de lo necesario de la colaboración entre ambas. Porque si hay algo de lo que carecen las entidades bancarias «es la aplicación de las nuevas tecnologías», asegura Jordi Pérez. Una cualidad con la que sí cuentan los nuevos actores financieros. Asimismo, el otro cofundador y director general de Unnax, Julián Díaz Santos, asegura que el verdadero enemigo de la banca no son las «fintech», sino las grandes tecnológicas como Google, Amazon, Facebook y Apple (los GAFA). «Están más preparados para captar al cliente ya que cuentan con dinero, tecnología y una gran base de datos». De hecho, algunas ya tienen licencia bancaria en Irlanda, por lo que el desembarco de estas compañías en el mundo de las finanzas está más cerca que nunca.
          Comment on What Are Your Thoughts: Interest Rate Freakout by What Are Your Thoughts: Interest Rate Freakout – Financial Solutions      Cache   Translate Page      
[…] Michael Batnick and Josh Brown of Ritholtz Wealth Management play their favorite game, What Are Your Thoughts? In this episode: Why did technology stocks get hit so hard? Interest rates made an explosive move up last week Is too much FinTech a distraction from financial advice? Kanye West visiting President Trump Value vs Growth stocks, has something changed? Has Bitcoin bottomed? Will Vanguard kill the financial … Source: https://thereformedbroker.com/2018/10/09/what-are-your-thoughts-interest-rate-freakout/ […]
          Comment on Smith Appointed To Govt FinTech Business Unit by Lmao      Cache   Translate Page      
This is too funny! What degree does ya boy have? Friends and family again! WHERES THE JOBS!?
          Comment on Smith Appointed To Govt FinTech Business Unit by No the Premier didn’t.      Cache   Translate Page      
Arbitrade was shouting from the rooftops.Did they close on Victoria Hall and get approvals from the B’MA?
          Comment on Smith Appointed To Govt FinTech Business Unit by The Mind Boggles      Cache   Translate Page      
Too much Titty Milk being consumed up dare!Good luck Sir. I fear you are going to need it!Blessings abound!
          Comment on RFP For ‘Project 44′ FinTech Hub In Hamilton by Ah ha      Cache   Translate Page      
Your are right! This guy is a dreamer! I remember Silicon Valley because I was an adult then! He was in diapers and still has no clue what scale Silicon Valley was on not the heights it fell from!
          Comment on Smith Appointed To Govt FinTech Business Unit by wahoo      Cache   Translate Page      
Wayne C appears to have a fintech job. 1+1=2?
          Comment on Smith Appointed To Govt FinTech Business Unit by OnionStink      Cache   Translate Page      
So a Government that couldn't build a bus stop properly is going to lead the way in technology? Pull the other one OJ.
          Comment on Smith Appointed To Govt FinTech Business Unit by Say Whaat?      Cache   Translate Page      
Gotta agree here. You took someone from the post office to head Fintech Business Unit? But the post office still takes weeks to send mail in this small island. No real technology prowess but put this guy at the helm of something that is moving faster than regulations?Say what?!?
          Chinesa de internet Tencent compra participação no Nubank      Cache   Translate Page      
Nubank informou que o aporte será de U$ 90 milhões, o que eleva para US$ 420 milhões o valor de aportes já recebidos pela fintech. A empresa chinesa de internet Tencent fechou acordo para comprar uma fatia minoritária na empresa de tecnologia financeira e emissora de cartões Nubank. Em comunicado, a Nubank informou que o aporte será de U$ 90 milhões, sem detalhar qual será a fatia de particpação. "Com esta rodada, a empresa chega a cerca de US$ 420 milhões captados em sete rodadas de investimentos desde que foi fundada em 2013", informou a Nubank, que já recebeu investimentos de empresas como Sequoia Capital, Kaszek Ventures, Tiger Global, Founders Fund, DST Global, Thrive e QED. O movimento marca a estreia da Tencent no Brasil e é o mais recente investimento da maior empresa de mídia social e jogos da China, destaca a agência Reuters. A Tencent é acionista majoritário do banco online WeBank e da seguradora ZhongAn Online. Na semana passada, a Tencent e o grupo de private equity KKR disseram que estavam comprando uma participação minoritária no braço de tecnologia financeira do PLDT, das Filipinas. Desde 2013, o Nubank emitiu 5 milhões de cartões de crédito e tem uma base de 2,5 milhões de clientes em contas de pagamento digital - que permitem aos usuários fazer transferências, pagar contas e ganhar juros sobre depósitos. Em janeiro, a fintech obteve a autorização do Banco Central para operar como uma instituição financeira, seguida por uma captação de US$ 150 milhões liderados pela DST Global. Recentemente, O investimento da Tencent no Nubank foi noticiado na véspera pelo site The Information, que também disse que a empresa chinesa pagaria 200 milhões de dólares por uma fatia de 5% no negócio.
          Un estudio de SEMrush analiza las estrategias de marketing del sector Fintech en España      Cache   Translate Page      
La tecnología aplicada al sector financiero, ampliamente conocida como Fintech, ha venido experimentando un crecimiento exponencial desde la apertura del primer cajero automático en 1967. Más de 50 añ ... - Fuente: ecommerce-news.es
          危機管理学シンポジウム開催のお知らせ(2018.12.02)      Cache   Translate Page      
2018年12月2日(日)、危機管理学シンポジウム「Fintechがつくる光と影~金融リスク管理と現代社会~」を開催します。本学危機管理学部危機管理学科を開設して一周年。Fintechの問題を中心に、現代社会における金融 ... 続きを読む
          LenderClose Hires Dan Davis as Director of Technology      Cache   Translate Page      

Dan Davis has joined fintech startup LenderClose as director of technology. Davis has 17 years of experience, having worked in the IT departments of three Midwest credit unions, culminating in a vice president position with Financial Plus Credit Union in West Des Moines, Iowa. For the credit unions, he supervised IT staff, contributed to strategic […]

The post LenderClose Hires Dan Davis as Director of Technology appeared first on MortgageOrb.


          Senior HR Manager (m/w) // VAI Trade GmbH      Cache   Translate Page      

Wir sind ein junges FinTech-Startup mitten in Berlin. Mit Fokus auf den B2B-Bereich ist es unser Ziel, kurzfristige Finanzierungsmöglichkeiten für kleine- und mittelständische Unternehmen bereitzustellen. Durch einen smarten, technologiegetriebenen Ansatz wollen wir die bisherigen Lösungen diversifizieren und dadurch die Wachstumschancen kleiner und mittelständischer Unternehmen nachhaltig verbessern. Um dies erfolgreich umsetzen zu können, brauchen wir DICH:...

Check out all open positions at http://BerlinStartupJobs.com


          African Financial Technology Startups Move Beyond Payment Services      Cache   Translate Page      
By Jake Bright, TechCrunch
Article

If mobile money was the first phase in the development of digital finance in Africa, the next phase of digital financial services on the continent will focus on lending, insurance and wealth management.

In “Beyond Payments: The Next Generation of Fintech Startups in Sub-Saharan Africa,” the venture capital firm Village Capital, and their reporting partner, PayPal, tip their hat to M-Pesa and mobile money in Africa, but say that there’s a wave of innovation still to come.

Continue reading on TechCrunch


          Why It's Less Hip To Be Square      Cache   Translate Page      
The fintech fever is breaking. The payments company Square, along with its fintech peers, is priced for near perfection despite the likelihood of complications to its lending model.
          Data Warehouse Developer SQL Python      Cache   Translate Page      
Client Server - The City, London - Data Warehouse Developer London to £550 p/day Data Warehouse Developer (SQL Python). Leading FinTech is seeking an experienced Data... Warehouse Developer to be responsible for the design, architecture and implementation of the company’s data warehouse environment; participating in...
          Data Engineer (Lead) Spark Hadoop Scala      Cache   Translate Page      
Data Team - South East London - Data Engineer London to £65k Data Engineer (Scala Spark Hadoop Python). Fantastic opportunity for a talented Data Engineer... to join a successful FinTech that provides data science services and complex software solutions to combat financial fraud. As a Data Engineer...
          Data Warehouse Developer SQL Python      Cache   Translate Page      
Contract Data Team - The City, London - Data Warehouse Developer London to £550 p/day Data Warehouse Developer (SQL Python). Leading FinTech is seeking an experienced Data... Warehouse Developer to be responsible for the design, architecture and implementation of the company’s data warehouse environment; participating in...
          10/10/2018: FINANCIAL POST: Caisse, Al Gore’s firm join forces to take over U.K. fintech firm      Cache   Translate Page      
MONTREAL• The Caisse de dépôt et placement du Québec is joining forces with a firm co-founded by former U.S. vice-president Al Gore to become the majority shareholder of U.K. financial technology firm FNZ in a deal that values the company at about $2.7...
          Investment firm co-founded by Al Gore involved in $2.2M fintech deal      Cache   Translate Page      
Generation Investment Management, Canadian pension fund team up to acquire control of wealth-management services provider FNZ.
          Fintech周報第72期:顧立雄首度表態:若虛擬通貨交易平臺納入洗錢防制法,金管會願擔任主管機關      Cache   Translate Page      

          Werkstudent Marketing (m/w) - Fintech Startup Berlin      Cache   Translate Page      
Jobangebot: Mehr Infos und bewerben unter: https://www.campusjaeger.de/jobs/7883?s=18101178+ Was Dich erwartet? * Du begleitest den Aufbau und die Weiterentwicklung des Online- und Offline-Marketings * Du bist ständig auf der Suche nach Möglichkeiten, mehr Kundenanfragen zu generieren und die Marke in unserer Kernzielgruppe bekannter zu machen * Du knüpfst den Kontakt zu Influencern und Branchenexperten und entwickelst Ideen für neue Marketingkooperationen * Du entwickelst neue Wege, um unsere Zielgruppe intelligent und kontextbasiert über verschiedene Online- und Offline-Kanäle zu erreichen * Du unterstützt bei der Kreation und Erstellung von Performance Marketing Kampagnen auf ... 0 Kommentare, 53 mal gelesen.
          Recruitment Manager / HR Manager - Fintech / Blockchain 35-45k - Page Personnel      Cache   Translate Page      
Salary: HK$45,000 - 55,000 /month, N/A yr of exp, posted on 10 Oct 2018 05:53:00
          Investment Association launches new fintech project      Cache   Translate Page      

The Investment Association has signed up five asset management based firms to its new financial  technology “accelerator programme”, Velocity. The accelerator launched yesterday and will see participating firms undertake a six month programme to meet with potential clients and investors through the IA. Artificial intelligence powered financial data platform 9Fin, data software provider Hivemind, and […]

The post Investment Association launches new fintech project appeared first on Money Marketing.


          Application Support Engineer - Strong Coding skills required      Cache   Translate Page      
Finsbury Digital - The City, London - Application Support Engineer A leading FinTech company based in the City of London are looking for an Application Support Engineer They have a unique and enjoyable working culture consisting of flexible hours, working from home, regular team events, paid company trips abroad,...
          DGAP-News: FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht      Cache   Translate Page      
Dow Jones hat von EQS/DGAP eine Zahlung für die Verbreitung dieser Pressemitteilung über sein Netzwerk erhalten. DGAP-News: FinTech Group AG / Schlagwort(e): Kapitalerhöhung/Joint Venture FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht 2018-10-10...
          PRESS RELEASE: FinTech Group AG: FinTech Group and Österreichische Post achieved first milestone in establishing their 50/50 joint venture      Cache   Translate Page      
Dow Jones received a payment from EQS/DGAP to publish this press release. DGAP-News: FinTech Group AG / Key word(s): Capital Increase/Joint Venture FinTech Group AG: FinTech Group and Österreichische Post achieved first milestone in establishing their 50/50 joint venture 2018-10-10 / 09:58 The issuer is solely responsible for...
          DGAP-News: FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht (deutsch)      Cache   Translate Page      
FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht ^ DGAP-News: FinTech Group AG / Schlagwort(e): Kapitalerhöhung/Joint Venture FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische...
          DGAP-News: FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht      Cache   Translate Page      
DGAP-News: FinTech Group AG / Schlagwort(e): Kapitalerhöhung/Joint Venture FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht 10.10.2018 / 09:58 Für den Inhalt der Mitteilung ist der Emittent / Herausgeber verantwortlich. Corporate News / Frankfurt...
          thisisfintech.com      Cache   Translate Page      
Social Media Impact for thisisfintech.com: 96
          Figure Technologies rolls out home equity loan platform      Cache   Translate Page      
Figure Technologies, Inc. (FigureTM), a FinTech company creating innovative products and tools that...
          HDFC Bank to gain access to over 30,000 start-ups through AEP      Cache   Translate Page      

[India], Oct 10 (BusinessWire-India): HDFC Bank has announced the launch of its Accelerator Engagement Programme (AEP). In this first-of-its-kind programme, HDFC Bank will partner with leading start-up accelerators from across the world to gain early access to over 30,000 fintech ideas and innovative solutions.

Start-up accelerators are organisations that help early-stage companies develop their product and business model, and also connect with investors. The bank will focus on those working in the area of artificial intelligence (AI), machine learning (ML), analytics, and robotic process automation.

In the first phase, the Bank launched the programme in association with the United Kingdom's Department for International Trade (UK DIT) and start-up accelerators 91springboard and IvyCamp.

AEP was launched in Mumbai by Nitin Chugh, Country Head - Digital Banking, HDFC Bank in the presence of Ben Green, First Secretary, Trade, DIT; Lord Mayor of the City of London, Alderman Charles Bowman; Mithun Shetty, Head of Community Building at 91springboard; and Vikram Gupta, Founder and Managing Partner, IvyCap.

"We are excited to take our engagements with fintech start-ups global with the Accelerator Engagement Programme. At HDFC Bank, we are looking for disruptive, global first innovations. This enables us to be in sync with our customers' needs and desires and become part of their lifestyle. We believe that we need to work as a partner in the digital eco-system and encourage the spirit of innovation in the country. This is a win-win for all of us," said Nitin Chugh, Country Head - Digital Banking, HDFC Bank.

"I am delighted to help launch this powerful new initiative and even happier that the delegation I've brought to India is the first to benefit from it. Fintech is an area of immense potential for the UK and India, and I look forward to seeing more collaboration between our two countries in this area," said Lord Mayor of London, Charles Bowman.

91SpringBoard engages with more than 25,000 start-ups and fintechs globally while IvyCamp is engaged with more than 5,000.

AEP is part of HDFC Bank's Centre of Digital Excellence, where the objective is to create a mutually beneficial ecosystem with relevant players in the start-up space. Other initiatives include a Digital Command Centre and 'Industry Academia', which aims at mentoring and hand-holding fintechs and start-ups incubated at country's top technical and B-schools. The Bank also organises Digital Innovation Summit, an annual event to identify path-breaking fintech solutions. (BusinessWire-India)


          The future of fintech isn’t what it used to be      Cache   Translate Page      
Expectations have shifted.
          DGAP-News: FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht      Cache   Translate Page      
DGAP-News: FinTech Group AG / Schlagwort(e): Kapitalerhöhung/Joint Venture FinTech Group AG: Erster Meilenstein zur Gründung des 50/50 Joint Venture zwischen FinTech Group und Österreichische Post erreicht 10.10.2018 / 09:58 Für den Inhalt der Mitteilung ist der Emittent / Herausgeber verantwortlich. Corporate News / Frankfurt...
          Software Engineer at TalentintheCloud      Cache   Translate Page      
TalentintheCloud - A hyper-growth Pan-African FinTech and Payments company who are embarking on an exciting journey to offer a range of payments and FinTech products across the continent.
          So gewinnt man Talente heute      Cache   Translate Page      

Hamburger FinTech FINANZCHECK.de nutzt Virtual Reality im Personalmanagement
Fluktuation, Fachkräftemangel, Employer Branding – drei Stichworte, die aktueller nicht sein können

Der Beitrag So gewinnt man Talente heute erschien zuerst auf Das Magazin für die Internationale Startup-Szene.


          10/10/2018: FINANCIAL POST: Caisse, Al Gore’s firm join forces to take over U.K. fintech firm      Cache   Translate Page      
MONTREAL• The Caisse de dépôt et placement du Québec is joining forces with a firm co-founded by former U.S. vice-president Al Gore to become the majority shareholder of U.K. financial technology firm FNZ in a deal that values the company at about $2.7...
          As California Bans The Traditional Password, What Else Can Fintechs Do To Fight The Hackers?      Cache   Translate Page      

As California Bans The Traditional Password, What Else Can Fintechs Do To Fight The Hackers? https://t.co/lHpZmCjVvK via @flipboard — Doug Peterson (@dougpete) October 10, 2018

Tags: IFTTT Twitter


          Junior/ Middle QA Engineer, Минск      Cache   Translate Page      
OpenLedger ApS company - one of the leading companies in BlockChain and FinTech development. Main activity of the company is design and development own products based on BlockChain in finance, investment and marketing field. During the years of...

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          Qatar to introduce banking service platform for Fintech      Cache   Translate Page      
(MENAFN) Qatar Central Bank (QCB) is ready to introduce a banking service platform to drive the rapid development of financial technology (Fintech).The new banking service platform...
          Vans Money Ltd - Vansmoney.com      Cache   Translate Page      
IPB Image

I'm not admin here!
QUOTE
The vansmoney.com is a fully registered investment company based in the United Kingdom. Our Corporate Headquarters is located here: 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ. vansmoney.com registration number is №11333134. The vansmoney.com is constantly expanding the geography of its activities thanks to excellent marketing strategy and break even trading. The company combines several successful profitable business directions, from the multi-currency trading in the Forex market to trading activity on the stock exchange, Cryptocurrency market and investments in promising Fintech start-ups.
How does it work and where does big money come from? What is Forex? The foreign exchange market is the "place" where currencies are traded. The growth of the Forex market has been spurred by the development of electronic trading networks and the increase in globalization. Currencies are important to most people around the world because currencies need to be exchanged in order to conduct foreign trade and business. The need to exchange currencies is the main reason why the Forex market is the largest financial market in the world.


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Plan Amount Spent ($) Hourly Profit (%)
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Plan 1 $1.00 - $25000.00 1920.00
Plan 2 $25001.00 - $50000.00 2250.00
Plan 3 $50001.00 - $150000.00 3550.00
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          BitFinance Adds Over 40 Years Of Alternative And Cryptocurrency Asset Management And FinTech Experience To Its Executive Team      Cache   Translate Page      


          L'institution investit des centaines de millions dans une entreprise britannique · La Caisse de dépôt mise gros sur la fintech avec Al Gore      Cache   Translate Page      
La Caisse de dépôt et placement du Québec appuie sur l'accélérateur dans le domaine de la technologie financière (fintech). (Journal de Montréal)

          L'institution investit des centaines de millions dans une entreprise britannique · La Caisse de dépôt mise gros sur la fintech avec Al Gore      Cache   Translate Page      
La Caisse de dépôt et placement du Québec appuie sur l'accélérateur dans le domaine de la technologie financière (fintech). (Journal de Montréal)

          ブロックチェーン革命で未来を創る!創業者・エンジニア必見のテクノロジー「ブロックチェーン」      Cache   Translate Page      
(2018/10/10更新) 21世紀初頭にインターネットが急速に普及し、今ではインターネットによって個人が情報を発信する権利を得ました。近年注目されているブロックチェーンは、このインターネットに次ぐ革命と呼ばれており、 […]
          Let’s talk about space at Disrupt Berlin with Mike Collett      Cache   Translate Page      
You thought TechCrunch Disrupt Berlin was all about SaaS, fintech, social, blockchain and all the traditional tech topics? Of course not! I’m excited to announce that Mike Collett from Promus Ventures is going to tell you why you should care about space beyond SpaceX. Arguably, SpaceX is the reason why many people are interested in […]
          Vacancy For Head Of Build In A Reputable Fintech Company      Cache   Translate Page      
Talentsquare – We provide consultative, highly tailored recruitment solutions to meet an organization’s most pressing talent challenges. As a talent management and recruiting services company we...

          10/9/2018: Business: Robert Walters fired up by ‘hot areas’ of City with challengers and fintech      Cache   Translate Page      

CHALLENGER banks trying to grab talent from established players and the rise of fintech are making good business for Robert Walters. The recruiter says there are “pockets” of “hot areas” inside City banks where folk with the right skills are in high...
          Visa expande programa de acceso rápido a su red a fintechs      Cache   Translate Page      
Visa anunció un programa de afiliación rápida a su red con el fin de apoyar a las fintechs de América Latina y el Caribe que están desarrollando la próxima generación de soluciones de pago digital y continuar impulsando el ecosistema en la región. Las fintechs de América Latina y el Caribe ahora podrán incorporarse más rápidamente a VisaNet, la red global de Visa.
          Deutsche Fintech Group mischt österreichischen Markt auf      Cache   Translate Page      
Während etablierten Geldhäusern in Frankfurt außer Kostensenkung und Fusionsplanspielen nichts einfällt, geht die junge Konkurrenz auf Expansionskurs. Die Fintech Group geht nach Österreich und wird aus den Stand in 2000 Filialen vertreten sein.
          Python Developer / Python Engineer - WFH / Part Remote      Cache   Translate Page      
Oliver Bernard - Warwickshire - Python Developer / Python Engineer - WFH, Python, Fintech, Wealth Management Company Python Developer / Python Engineer Needed! This globally recognised wealth management and Fintech giant bring small businesses and investors together with a mission to help small businesses th...
          Alpha Code launches programme for aspiring fintech entrepreneurs      Cache   Translate Page      
DURBAN – The Explore Data Science Academy (EDSA) in partnership with AlphaCode, have announced a 12-month data science and business ...
          Alpha Code launches programme for aspiring fintech entrepreneurs      Cache   Translate Page      
DURBAN – The Explore Data Science Academy (EDSA) in partnership with AlphaCode, have announced a 12-month data science and business ...
          Kunjungi Indonesia Pavilion, Direktur IMF Mengaku Senang      Cache   Translate Page      
REPUBLIKA.CO.ID NUSA DUA -- Direktur Pelaksana Dana Moneter Internasional (IMF) Christine Lagarde mengaku sangat terkesan melihat perkembangan industri strategis, pariwisata, dan financial technology (fintech) Indonesia. Hal tersebut diutarakannya ketika...
          Regional Sales Manager - City of London      Cache   Translate Page      
Brief about company and responsibilities Our client, an award-winning global fast moving FX FinTech business, are looking to hire an exceptional Regional Sales Manager This is a fantastic opportunity for a motivated, ambitious target driven individual with an exceptional work ethic. The Regional Sales Manager will be responsible for driving new business to the corporate dealing desk and making a significant contribution to the overall new business revenue. They have an enviable product range and are recognised as a leading competitor in their industry, with a truly remarkable history. Their continuous investment into technology in the ever growing FinTech market puts them ahead of the competition in an increasingly competitive market. If you want to work with a rapidly growing organisation with continued year on year growth, then apply today to hear more information! The role as Regional Sales Manager: Accountability to achieve monthly and annual revenue targets. You will be responsible for the full sales cycle from lead generation to face-to-face/phone close Quarterly and annual performance reviews with clients Responsible for generating and conducting face to face meetings with prospective clients Ability to confidently close client meetings, resulting in open trading accounts, utilising as many suitable products/services as possible Encouraging team morale across the desk Potential opportunity to grow out a team and assume managerial responsibilities if the desk revenue increases sufficiently Ensuring you are aware of necessary compliance regulations. The candidate Must be experienced working in a senior sales role with high value clients international clients A strong record of meeting and exceeding targets on a monthly basis, providing excellent customer service in the process and driving customer advocacy across your book Significant track record closing face-to-face meetings and getting high value prospects to a tradable status Sound compliance awareness Strong understanding of sales metrics with the ability to identify areas for improvement. Take charge of your career and apply now!!! The successful Regional Sales Manager will be rewarded with a very generous basic salary, bonus potential and benefits package including a whole range of flexible benefits. Due to the high amount of interest that we receive for each of our roles unfortunately we cannot respond to each application individually, therefore if you do not hear back from one of our consultants you have not been shortlisted for this role. Please note that our client is an equal opportunities Employer and adheres to all relevant legislation and offer services regardless of age, race, sex, disability or religious belief.
          Subject Matter Expert (Trade Finance) FinTech: £80,000-100K Basic Salary, Plus Bonus & Benefits      Cache   Translate Page      
Subject Matter Expert (Trade Finance) FinTech Position Summary: The SME for Trade and Supply Chain finance is a part of the strategic delivery unit for global transaction banking for Europe and would be the business face of the Intellect Trade Finance Platform. The role is primarily responsible for being the bridge between the bank and the Intellect business analyst, understanding requirements from the bank and articulating them to the business analyst. The SME engages with business, product management and IT business analysts of banks to understand their requirements and explain the value proposition and roadmap of the Intellect Trade Platform to them. The SME will be expected to be hands-on with respect to being able to explain the features and demo the product. The role also involves supporting various client acquisition activities and providing inputs to the product management and supporting pre sales activities. Specific Responsibilities: The role is responsible for providing Trade & SCF domain leadership for various product implementation activities. Deeply understand the banks and its customers business challenges, and provide thought leadership in addressing these issues. The product implementation activities involve preparing for implementation - identifying and prioritising use cases, clarifying expected user journeys, providing inputs into the plan for the product walk through sessions held for the bank. The SME will be present during the product walkthrough sessions with the Intellect Business analyst to emphasize the product value proposition, clarify complex business scenarios and understand new requirements advised by the client during the walkthrough. The SME will work closely with the offshore Intellect implementation team during the lifecycle of the implementation and after providing clarity, direction and alternative solutions with respect to bank requirements. The SME will work closely with the business analyst and product management to come up with and validate solutions to new requirements and customizations. Harnessing prior on industry experience and product implementation experience of Intellect the SME will play a consultative role in advising banks on process improvements and industry best practises related to Trade and SCF. The SME will also be called upon to be involved in client acquisition activities which involve accompanying the Sales person for various business meetings, demo the product and explain the product value proposition, anchor or participate in workshops on various industry related subjects, provide domain leadership by publishing whitepapers, clarifying requirements in RFPs issued by banks and assist in putting together winning proposals which reflect the Intellect domain leadership. Interact with the offshore SME team to keep them updated with respect to the business and regulatory environment in the region. Participate in various brainstorming and innovation sessions for new product or process ideas, work with cross functional teams. Give an outside-in view of how the client experience can be improved. Identify and pursue cross sell and upsell opportunities Essential Requirements: A minimum of 10 years of direct experience in the Trade Finance business of a leading bank. Deep domain experience with at least 3 years in a trade finance/SCF product management or advisory role. Experience as above in a bank, coupled with a domain related role in banking software product company in trade finance will be an added advantage. Product implementation and prior experience using various trade finance and SCF software solutions will be an added advantage. Ability to multi task and work under pressure, manage ambiguity. Result oriented, tenacious, ability to get things done. Excellent communication and interpersonal skills with the confidence and presence to interact with senior leaderships teams within Intellect and banks. Experience in creating and making presentations Excellent spoken and written English Post graduate business degree
          Funding Circle pone a prueba el interés por las 'fintech'      Cache   Translate Page      
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          Bos IMF Senang Lihat RI Bangun dan Ekspor Pesawat      Cache   Translate Page      

Liputan6.com, Nusa Dua - Direktur Pelaksana International Monetery Fund (IMF), Christine Lagarde, mengaku sangat terkesan melihat perkembangan industri strategis, pariwisata dan financial technology (fintech) Indonesia.

Hal tersebut diutarakannya ketika mengunjungi Indonesia Pavilion yang terdapat di area utama Pertemuan Tahunan International Monetary Fund (IMF)-World Bank (WB) pada Rabu 10 Oktober 2018.

"Saya senang Indonesia bisa membangun pesawat sendiri dan bisa mengekspornya ke luar dengan menggunakan material sendiri," ujar Lagarde ketika mengunjungi area showcase manufacture, seperti dikutip dari keterangan tertulis Rabu (10/10/2018).

Lagarde juga terpukau ketika melihat miniatur proyek Kawasan Ekonomi Khusus Mandalika, Nusa Tenggara Barat (NTB).

Wanita asal Prancis itu sempat mengungkapkan ketertarikannya dengan KEK Mandalika setelah mengetahui wilayah ini terbebas dari kerusakan saat gempa mengguncang Lombok pada Juli lalu. "Berarti saya harus membeli rumah atau villa di sana," kata Lagarde tersenyum.

 

 

* Update Terkini Asian Para Games 2018 Mulai dari Jadwal Pertandingan, Perolehan Medali hingga Informasi Terbaru di Sini.

 

 

Sambangi Perajin Batik

Direktur IMF Christine Lagarde (Foto: Dok Kementerian BUMN)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Tak hanya terkesima dengan pembangunan infrastruktur dan wisata Indonesia, Lagarde juga menunjukkan perhatiannya ketika menyambangi para pengrajin batik, lukis kipas dan tenun di area Workshop. Dia bahkan sempat berinteraksi langsung dengan para pengrajin lukis kipas.

Kunjungan Lagarde di Indonesia Pavilion kian menarik perhatian ketika dia menghampiri seniman musik Sasando. Ia bahkan sempat meminta pemain Sasando tersebut membawakan salah satu lagu kesukaannya.

"Ibu minta saya mainkan lagu Let It Be milik The Beatles. Ya, lumayan grogi," ungkap Ivan, Pemain Sasando.

Antusiasme Lagarde dengan Indonesia juga ditunjukkan saat dia melihat hasil kerajinan tangan dari kekayaan alam Indonesia. Dia terlihat banyak mengajukan pertanyaan tentang perhiasan berbahan perak dan mutiara yang dipamerkan.

"Ibu Lagarde tertarik sekali dengan perhiasan berbahan silver dari Bali dan pearl. Beliau bilang, di Prancis tidak ada yang seperti itu setelah kami sampaikan bahwa perhiasan mutiara ini semuanya berasal dari laut Indonesia," ungkap Angga Risnando, salah satu Marketing Executive yang memandu kunjungan Lagarde di Indonesia Pavilion.

Dalam kesempatan itu, Lagarde juga mengungkapkan kekagumannya setelah mengetahui, pengunjung Paviliun Indonesia dapat mengetahui langsung harga produk-produk yang ditampilkan dalam area UMKM melalui aplikasi smartphone.

"Ini bagus sekali. Sangat fintech. Kalian selangkah lebih maju," tutur Lagarde.

Sepanjang kunjungannya, Lagarde terlihat menikmati perjalanannya menyusuri area showcase Indonesia Pavilion yang luasnya lebih dari 2000 meter tersebut. "Indonesia Pavilion sangat mengesankan," ujar dia.

 

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          Fintech's future mixes competition, cooperation with banks      Cache   Translate Page      
While financial technology has only taken a small percentage of business from banks, it has indirectly influenced the industr -More

          Let’s talk about space at Disrupt Berlin with Mike Collett      Cache   Translate Page      
You thought TechCrunch Disrupt Berlin was all about SaaS, fintech, social, blockchain and all the traditional tech topics? Of course not! I’m excited to announce that Mike Collett from Promus Ventures is going to tell you why you should care about space beyond SpaceX. Arguably, SpaceX is the reason why many people are interested in […]
          Mitarbeiter(in) im Bereich Customer Care (m/w) - Vexcash AG - Berlin      Cache   Translate Page      
Customer Care & Support zur sofortigen Verstärkung unseres Teams in Berlin. Du interessierst Dich für FinTech-Themen? Du hast bereits Erfahrungen in der...
Gefunden bei Vexcash AG - Mon, 13 Aug 2018 05:59:38 GMT - Zeige alle Berlin Jobs
           Al Gore's Generation, Caisse buy stake in fintech firm FNZ       Cache   Translate Page      
Al Gore's Generation, Caisse buy stake in fintech firm FNZ
          Canada’s CDPQ backs wealth management fintech platform FNZ at £1.65bn valuation      Cache   Translate Page      
Canadian institutional investor CDPQ has acquired a stake in FNZ, a platform-as-a-service provider for European wealth management firms, in a deal which values the company at £1.65bn.
          Aldrich Capital celebrates debut fund close by beating $250m goal      Cache   Translate Page      
Aldrich Capital Partners has successfully closed its $256m debut private equity fund to target the US healthcare IT, fintech and app software sectors.
          Let’s talk about space at Disrupt Berlin with Mike Collett      Cache   Translate Page      

You thought TechCrunch Disrupt Berlin was all about SaaS, fintech, social, blockchain and all the traditional tech topics? Of course not! I’m excited to announce that Mike Collett from Promus Ventures is going to tell you why you should care about space beyond SpaceX. Arguably, SpaceX is the reason why many people are interested in […]

The post Let’s talk about space at Disrupt Berlin with Mike Collett appeared first on RocketNews | Top News Stories From Around the Globe.


          Все буде fintech: чи програють банки війну новим сервісам      Cache   Translate Page      
Як змінюється ринок фінансових послуг, які технології спрощують життя користувачам і чого чекати в найближчі роки. (рос.)
          Barcelona lo ha conseguido: ya es el lugar de referencia de startups de tecnología en el sur de Europa      Cache   Translate Page      

Barcelona lo ha conseguido: ya es el lugar de referencia de startups de tecnología en el sur de Europa#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Barcelona es la cuarta ciudad del mundo preferida para ir a trabajar, según una encuesta realizada a más de 350.000 trabajadores en 200 países. Es uno de los factores que han conseguido que, entre 2016 y 2018, 24 multinacionales tecnológicas hayan abierto centros tecnológicos en la ciudad.

Trabajar en una gran empresa es muy atractivo para ingenieros, científicos y técnicos. Suelen ofrecer un buen sueldo, una posición estable e infraestructura para desarrollar proyectos interesantes.

Pero también atraen a una serie de mentes inquietas y pasionales que, con el tiempo, dejan estos trabajos tan atractivos para montar una startup. La antítesis de la multinacional.

Podríamos definir una startup como una empresa de reciente creación, muy tecnológica, y sobre todo innovadora tanto en I+D como en modelos de negocio. Intentan crear algo nuevo, o bien vender el mismo producto de una manera nueva e ingeniosa.

Estos emprendedores, según el folklore, son jóvenes iluminados cuyas oficinas tienen recreativas y mesas de ping-pong. En la realidad, suelen ser equipos hacinados en un coworking o desde sus casas, trabajando largas horas y fines de semana por un sueldo inferior al de mercado.

Y una promesa: cambiar el mundo.

Todo empezó en los 90

A día de hoy, apostar por la creación de empresas tecnológicas parece algo evidente, casi un oxímoron. Pero en plena resaca post-olímpica, fue una decisión valiente de un grupo de visionarios: reconvertir una zona de naves industriales y fábricas abandonadas en un hub de ingeniería.

A finales de los 90 la tecnología en Barcelona era un campo abonado pero aún sin frutos. El sector competía frontalmente por un espacio premium —tanto físico como humano— contra el mayor motor económico de la zona: el turismo. Un motor que mientras escribo estas líneas genera amargos debates políticos y sociales en la ciudad, pero al que sigue siendo difícil renunciar.

En el sur de Europa habrá muchas capitales con playa, pero sólo una hizo una apuesta estratégica por la economía del conocimiento apoyada por una regeneración urbana. Se trata, claro, de Barcelona.

Quizá sea ya el momento de reconocer a todos los partícipes el éxito tecnológico que se está consiguiendo en la ciudad. Pero empecemos por el principio.

El Plan 22@

barcelona#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Tengo la gran suerte de trabajar y conocer de primera mano el llamado 22@ (pronunciado veintidós arroba), un distrito de Barcelona con un nombre que rebosaba modernidad en 2006 pero que a día de hoy, seamos sinceros, ya suena algo anticuado.

Este proyecto urbano pretendía, en esencia, continuar las transformaciones de la Barcelona Olímpica y renovar una de las zonas más descuidadas: los barrios costeros de la Marina y el Poble Nou, llenos de pisos en mal estado, barracas, y naves industriales en desuso.

Desde el Ayuntamiento se propuso darle un enfoque diferente: ¿y si en vez de construir más bloques de pisos, hacemos una zona friendly para empresas? Citando la web oficial:

El proyecto 22@Barcelona [...] favorece las sinergias entre las universidades, [...] los centros tecnológicos, los centros de investigación y la actividad productiva en general y mejora la eficiencia del conjunto, ya que garantiza la disponibilidad de una amplia oferta de capital humano altamente calificado y favorece, a su vez, la colaboración de sus equipos de investigación con las empresas.

Además, fuera por conservación del patrimonio, o por ahorrar, se contrastó este espíritu noventero-moderno del concepto "Arroba" con la realidad arquitectónica. En vez de demoler las antiguas fábricas y construir edificios nuevos, se restauraron las fachadas de aquellas más emblemáticas y se convirtieron en espacios diáfanos de oficinas.

Diez años después, en una de estas fachadas dice así: "Amazon".

Hemos pasado de ser de pueblo a albergar la sede europea de la segunda empresa más importante del mundo.

De otros edificios emblemáticos como la sugerente Torre Agbar, pronto colgará otro cartel: "Facebook" —a través de una subcontrata—. "Mediamarkt". "Lidl". "Oracle". Incluso "N26", el moderno banco alemán que viene a pescar en este río revuelto por motivos políticos.

En total, son ya unas decenas de nombres asociados a la alta tecnología, desde los que reconocen nuestras madres hasta otros, menos populares pero quizá más productivos para el ecosistema: "Dynatrace". "Satellogic". "Moodle". "Chartboost".

¿Por qué motivo el capital extranjero está empezando a invertir fuertemente Barcelona? Tendríamos que empezar por la palabra mágica o buzzword de los CEOs modernos: el "talento".

La búsqueda de talento se ha convertido en el principal objetivo de las empresas que desean tener éxito. Junta a unas cuantas personas listas y motivadas, dicen, y ellas solas se organizarán para llegar al éxito.

Un inversor de la ciudad nos da una clave. "Barcelona crece más que Madrid en rondas, ránkings y número de empresas creadas. Hay más gente de fuera montando cosas aquí, lo que atrae inversores extranjeros, y se acelera el círculo virtuoso. Es un proceso natural. Fundadores que quieren ayudar como les han ayudado a ellos."

Las Universidades

Barcelona Universidad Politecnica De Cataluna Upc Campus Norte Biblioteca Rector Gabriel Ferrate Brgf 7#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Pese a que las universidades españolas nunca alcanzan siquiera el "Top 100" en los ránkings internacionales, los licenciados españoles están muy bien valorados por las empresas. Salen bien preparados de unas carreras largas y duras, trabajan bien, y aceptan cobrar unos sueldos... españoles.

No son pocas las empresas que cierran tratos con clientes internacionales por la relación calidad-precio de sus productos o servicios. Para ellos somos muy baratos, a la vez que más eficientes y más cercanos culturalmente que en otros países de Europa del Este o África. Esto ha hecho que muchas multinacionales decidan dar el paso y abrir finalmente una sucursal en España y contratar un equipo totalmente local.

A diferencia de otros trabajos externalizados en un contexto de globalización mundial, se trata de tareas de alta calificación, como ingeniería, biología, física; en general, proyectos muy vinculados a I+D.

Un universitario español cobra entre la mitad y un tercio del sueldo de su equivalente en Silicon Valley, realizando un trabajo de más calidad y sin tantos aspavientos. Aquí no somos rockstars, somos currantes

En 2005, la gente que acababa la carrera se iba a una consultora tecnológica a hacer un cursillo de Java para luego sufrir jornadas maratonianas dentro de una cadena de subcontrataciones y acabar desarrollando una intranet con código reusado. Hoy día entran en una startup o una tecnológica y cambian el mundo. Todo este capital humano, que siempre había existido pero no encontraba una oferta laboral motivadora, por fin tiene a su disposición proyectos emocionantes.

Un universitario español cobra entre la mitad y un tercio del sueldo de su equivalente en Silicon Valley, realizando un trabajo de más calidad y sin tantos aspavientos. Aquí no somos rockstars, somos currantes.

Los parques y centros de investigación

La Universidad no se limita a educar. De hecho, en los mejores países del mundo su principal papel es investigar y desarrollar. En España hemos tardado en darnos cuenta, pero estamos rectificando rápidamente.

Allí por 2004, el centro de IBM en San Fernando de Henares fabricó el Marenostrum, entonces el supercomputador más rápido de Europa y cuarto del mundo.

Meses después se instaló en Barcelona, en una capilla reacondicionada de la Politécnica. Esta máquina se gestiona a través de un consorcio participado en un 51% por el Gobierno de España.

Algunos se preguntarán, ¿por qué no se instaló en Madrid?

Fue IBM, quien proveía la tecnología, el principal padrino de la ciudad condal. El germen del actual Barcelona Supercomputing Center-Centro Nacional de Supercomputación fue un grupo de investigación de la UPC especializado en supercomputación, llamado CESCA. Una infraestructura pequeña pero vital, que quizá fue la clave para la decisión de IBM.

Ignasi Belda, fundador de Intelligent Pharma y anteriormente director del Parc Científic de Barcelona, nos explica cómo funcionan. "Los Parques científicos son una infraestructura que ayuda al desarrollo de un ecosistema emprendedor sostenible, rico, y avanzado desde el punto de vista tecnológico".

"Los centros de investigación son diferentes. Desde hace 20 años se ha aplicado en Cataluña una política de excelencia científica que ha resultado en unos Institutos punteros a nivel mundial, como por ejemplo el ICFO (Institut de Ciències Fotòniques), IRB (Institut de Recerca en Biomedicina) o el CRG (Centre de Regulació Genòmica). Gracias a este sistema de centros de investigación universitarios, Cataluña está batiendo todos los indicadores a nivel europeo, por ejemplo, nombre de ERC por cápita (becas millonarias del European Research Council)".

Belda#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000 Ignasi Belda, fundador de Intelligent Pharma y anteriormente director del Parc Científic de Barcelona

Belda acaba diferenciando la excelencia científica del mundo empresarial. "[La inversión en estos centros] se ha hecho a costa de la transferencia tecnológica y, por tanto, la emprendeduría. Por ejemplo, el ICFO no llega al 2% de ingresos en transferencia, lo cual es inusual a nivel internacional. Por ello pienso que son necesarias políticas decididas y valientes por parte de la Generalitat de Cataluña para lograr un impacto significativo en el ecosistema emprendedor".

Y es que el ambiente motivador de estos centros, unido a las tristemente pésimas perspectivas laborales en la investigación pública, ha acabado siendo una fábrica de startuperos, pero no de spin-off. Esta falta de apoyo para monetizar las invenciones es, irónicamente, una pobre apuesta económica. ¿Cuánta riqueza habría en el formato MP3 si se hubiera inventado en un centro español en vez del Fraunhofer alemán?

Muchos de los que empezaron —empezamos— nuestra carrera laboral como investigadores hemos acabado montando pequeñas empresas de I+D, intentando replicar ese espíritu científico, curioso, académico, que se incuba en los centros y parques tecnológicos. Salvando las distancias, una línea en el currículum con una posición en el BSC o el CRG son nuestros MIT o Cambridge patrios.

Instituciones públicas

barcelona#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000 Charlas de formación organizadas por Barcelona Activa

Es poco habitual alabar el papel de las instituciones públicas en el mundo empresarial. Pero en nuestro caso tenemos que dar las gracias a varias instituciones públicas que han trabajado muy eficientemente para abrir Barcelona y sus empresas al mercado internacional.

ACCIÓ es la agencia catalana para aumentar la competitividad empresarial. Son los que se encargan de facilitar las exportaciones, así como atraer empresas extranjeras a la ciudad.

Ya hemos visto más arriba el éxito con el que han conseguido interesar a las principales tecnológicas mundiales. Y por lo que respecta a exportaciones, las cifras son excelentes. Las exportaciones catalanas son el 25% del global del Estado, más del doble que Andalucía (11,2%) y Madrid (11%). Este 2017 crecieron un 8,7%.

Sea por la coyuntura política, la cercanía a Europa, o por el apoyo de ACCIÓ y también del ICEX, la provincia de Barcelona lidera las exportaciones con 54 mil millones de Euros, por delante de Madrid con 30 mil millones.

En el otro lado de la balanza, para aquellos emprendedores locales, desde el Ayuntamiento se ha impulsado Barcelona Activa, una organización de fomento del empleo, ya sea autónomo o por cuenta ajena. Aglutina una serie de servicios que van desde el acompañamiento para abrir una empresa en el Notario hasta cursos de negociación o finanzas, talleres para mejorar tu currículum o cursos de Excel.

Sea por la coyuntura política, la cercanía a Europa, o por el apoyo de ACCIÓ y también del ICEX, la provincia de Barcelona lidera las exportaciones con 54 mil millones de Euros, por delante de Madrid con 30 mil millones.

No importa si quieres abrir una peluquería o una empresa de biomedicina, en Barcelona Activa disponen de servicios para todas las necesidades, de manera gratuita. Para todo aquél que no puede permitirse un MBA, ya sea por tiempo o dinero, esta alternativa gratuita es excelente y muy completa.

Guifré Belloso, técnico de creación de empresas en Barcelona Activa, nos describe el funcionamiento. "Por una parte, (las agencias locales) gestionan el cambio tecnológico incentivando la creación de empresas y el empleo, y por otra, ayudan a las personas en paro a resituarse como emprendedores o autoempleo".

Img 4019#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000 Guifré Belloso, técnico de creación de empresas en Barcelona Activa

Barcelona Activa también actúa como agente local para facilitar el acceso a la financiación estatal, gestionando ayudas como ENISA, CDTI, e incluso las europeas. Belloso nos comenta que una de sus funciones es "poner incentivos donde el mercado no llega". "Si no existieran ENISA o instrumentos similares, probablemente los viveros no estarían llenos ni habría tanto flujo de startups. Muchas empresas no llegan a break even (punto de equilibrio), pero creo que el balance global es positivo".

José Pedro Tarango, asesor de empresas en Barcelona Activa, nos explica la relación entre la iniciativa pública y la privada. «El papel de las entidades públicas es orientar, formar, disponer de los recursos necesarios para emprendedores. Barcelona Activa fue pionera en ofrecer espacios de incubación para la instalación física de las empresas o en promover foros de inversión especializados en el sector salud o cleantech, por ejemplo. Iniciativas cuyo testigo ya ha sido recogido por la iniciativa privada cerrándose perfectamente el círculo".

Belloso y Tarango acaban sus contribuciones compartiendo la misma idea. "Las inversiones de hoy son las empresas de mañana y los puestos de trabajo de pasado mañana".

La pieza clave: el capital privado

Nuestro puzzle va tomando forma: espacio común, educación de calidad, investigación pública, proyectos pioneros y apoyo institucional.

Con estas piezas muchos emprendedores locales han podido construir un equipo bien engrasado desarrollando un producto o servicio puntero. Y esta conjunción de equipo+producto es en sí mismo un producto que se puede vender. Y las multinacionales lo compran.

Estas adquisiciones —exits en inglés— ayudan, por una parte, a que las mejores empresas internacionales monten sus equipos en Barcelona. En vez de empezar de cero, compran una empresa local establecida, y dedican este equipo a desarrollar su producto, o una versión del mismo integrada con el producto principal de la multinacional. Y, según su punto de vista, a precio de ganga.

Además, algunos emprendedores han logrado ser millonarios gracias a la venta de su empresa. No millonarios como para retirarse, pero sí como para poder vivir de rentas, o al menos con más holgura. Y cuando uno tiene dinero lo que no puede permitirse es dejarlo inmovilizado en el banco.

Así que lo invierte en un producto de rentabilidad. El producto que compra es aquél que mejor conoce: participaciones en otras startups.

Sin esta recirculación de capital en el ecosistema no hay startups.

Los business angels

Cuando un emprendedor tiene una idea, de lo primero que se da cuenta es de que necesita dinero para ejecutarla. Muy pocas empresas pueden funcionar más de unos pocos meses sin equipo y sin ingresos. Este emprendedor va a un banco a pedir un crédito, y descubre quizá por primera vez el concepto avalar. Pocos minutos después vuelve a su casa pensando de dónde va a sacar el dinero.

A veces es posible convencer a familiares o amigos para que presten dinero, pero tiene su riesgo. Las cenas de navidad ya son complicadas como para añadir discusiones de dinero con tíos y primos.

¿Y si hubiera gente que te "prestara" dinero de manera profesional sin pedir un aval? Pues esta gente existe, se llaman Business Angels, y si son buenos, se ganan esta denominación a pulso.

Un Business Angel es, habitualmente, un emprendedor que ha vendido su empresa y tiene dinero que desea reinvertir a cambio de una participación en la misma. Estos ángeles, si saben lo que les conviene, harán lo posible para que el negocio vaya bien y por tanto obtener un retorno en su inversión. Y qué mejor que ayudar al emprendedor a resolver los mismos problemas que él tuvo anteriormente.

David Baratech1#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000 David Baratech, fundador de Ulabox

David Baratech, fundador de Ulabox y Business Angel, habla sobre la diferencia con un inversor profesional. "Durante años vas aprendiendo con tu propio proyecto. Adquieres es una visión analítica sobre cómo exprimir tus activos, sean habilidades adquiridas o bien la capacidad de invertir que tengas. Al final te haces preguntas muy similares a las que se pueda hacer un fondo [de inversión], sólo que si el equipo, el product-market-fit y (adecuación al mercado) el mercado cumplen unos mínimos, el proceso de due diligence (auditoría interna) es mucho más casero. Indulgente incluso".

Un Business Angel es, habitualmente, un emprendedor que ha vendido su empresa y tiene dinero que desea reinvertir a cambio de una participación en la misma. Estos ángeles, si saben lo que les conviene, harán lo posible para que el negocio vaya bien y por tanto obtener un retorno en su inversión
Mammoth Hunters#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000 Oriol Roda (derecha), CEO y cofundador de Mammouth Hunters

Oriol Roda, fundador de Mammoth Hunters y pequeño inversor, los define así: "La expresión "smart money" no es simplemente una palabra bonita sino una realidad que puede marcar la diferencia entre el éxito o el fracaso de una startup. Sólo una persona que ha pasado por el proceso de crear su propia empresa tiene la empatía y la experiencia necesaria para acompañar de forma adecuada a otro emprendedor".

Es la combinación perfecta. Un profesor que paga por enseñar al emprendedor, y éste le devuelve el dinero, multiplicado, si tiene éxito. Cuanto mejor le enseña, más probabilidades hay de que los dos salgan ganando.

Un Business Angel es una potencial fábrica de futuros Business Angels. De cada empresa exitosa saldrán una decena de futuros inversores, con preparación y dinero para reinvertir en el ecosistema.

Las generaciones de emprendedores

En Silicon Valley este ciclo emprendedor-inversos es lo habitual. Tanto que el valle debe su nombre a todas las empresas de microchips de silicio surgidas de la escisión de Fairchild Semiconductors, incluyendo Intel. De Odeo nació Twitter. Y gracias a una herramienta interna usada en el desarrollo un videojuego que jamás vio la luz tenemos a Slack.

No es casual que la primera empresa seguramente no os suene y la segunda sí. Como en Star Wars, el aprendiz acaba superando al maestro.

En España, la generación actual de Business Angels surgió de los éxitos anteriores a la crisis de las puntocom. Somos hijos de Olé, Dinamic, Arrakis, eDreams, Lleida.net, Hispavista.

Las actuales startups españolas son empresas tecnológicas de tercera generación, o cuarta si incluimos la edad de oro del software español. En Silicon Valley empezaron en los años 50. Cada nueva generación se produce en aproximadamente 10 años, así que haced cuentas de la ventaja que nos llevan.

Según Roda, aún queda mucho camino por recorrer. "Barcelona aún está lejos de tener el volumen de fundadores que hayan tenido éxito y que empiecen a actuar como mentores de nuevas startups. Hasta que no llegue ese momento nuestra ciudad continuará siendo un hub de segundo orden a nivel global".

Aquí sí hay playa

Istock 625007278#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

En España hay dos grandes hubs empresariales en sus dos ciudades principales. Madrid tiene el Gobierno, el IBEX, y un largo historial de relaciones con las multinacionales. No en vano, Google y Microsoft abrieron su primera oficina en la Capital. Si Barcelona está de moda es porque rompe toda lógica empresarial tradicional.

Ambas ciudades son muy similares. Comparten estado y legislación. La cultura es parecida. Barcelona tiene playa pero, por otra parte, en el sur de Europa hay muchas playas.

Nos encontramos lo que en Filosofía denominan condición necesaria pero no suficiente.

Y es que el clima y el entorno social son importantes. Por ello, a igualdad de muchos otros factores —especialmente la calidad de universidades y universitarios en el Estado—, tanto los guiris como sus empresas vienen a Barcelona.

¿Es frívolo mencionar el clima como fuente de riqueza? Quizá. Pero más frívolo es que el museo más exitoso de la ciudad sea el del Barça, donde el 84% de los visitantes son turistas. Cada vez que el club mete un gol, un inversor se plantea invertir en empresas de Barcelona.

El MWC es otro claro ejemplo de apuesta internacional por la capital catalana. ¿Sabéis cual fue la principal queja de los organizadores este 2018? ¿El clima político? ¿Las huelgas de transporte? No. El mal tiempo.

Los seres humanos somos así.

Y es que la capital catalana es una ciudad moderna, o mejor, modernilla. Enamora, a su manera, igual que enamoran París o Nueva York. Es cosmopolita y tradicional, abierta y misteriosa; del Barça y la Sagrada Família, corbata y rastas, business in the front, party in the back. Los Juegos Olímpicos no sólo cambiaron las fachadas, lo cambiaron todo.

Es la marca Barcelona.

Un éxito sólo posible mediante la unión de varias pequeñas piezas, insignificantes de manera individual, pero potentes cuando están todas presentes.

Así se cierra el círculo

Un estudiante acaba la carrera en una universidad que le ha ofrecido una buena formación. Pasa un tiempo haciendo carrera en un centro de investigación o una empresa tecnológica hasta que le pica el gusanillo y decide montar su proyecto.

Entonces recibe apoyo de Barcelona Activa quien le gestiona una ayuda de ENISA, y con suerte recibe financiación de Business Angels. Contrata a un equipo de ingenieros potentes y algún licenciado en empresariales, gente que conoció en la carrera, o extranjeros con experiencia que han venido buscando un proyecto interesante en un ambiente de bermudas y chanclas.

Nuestro amigo desarrolla un producto puntero y se establece en un espacio de incubación. Pasa el tiempo, y gracias al apoyo de instituciones como ICEX y ACCIÓ consigue empezar a vender en el extranjero. Una de estas empresas ve potencial en el producto o servicio, pero sobre todo en el talento que ha reunido, y decide instalarse en Barcelona. Abre una oficina en el 22@, o bien compra la startup. El ciclo se cierra.

Gracias a la experiencia adquirida y, con un poco de suerte, algo de dinero de la venta de su empresa, nuestro amigo cierra el ciclo. Empieza a participar en el ecosistema como Business Angel, reinvirtiendo el dinero y su experiencia en nuevos emprendedores.

El Dream Team

A los que vivís o trabajáis en Barcelona, parad un momento. Lo digo en serio. Levantad la vista de la pantalla y tomad consciencia del momento dulce que vive la ciudad.

El contexto que estamos disfrutando en términos de innovación e inversión es comparable a ver jugar a Messi. Pasa cada muchas generaciones y es irrepetible. Lo podréis explicar a vuestros nietos: "Yo lo viví".

Este artículo intenta ser un homenaje a todos los anónimos que llevan luchado durante varias décadas para que Barcelona pueda ser un Silicon Valley Mediterráneo. A nuestra manera, claro.

Lo habéis conseguido. Felicidades, y muchas gracias.

Fotos | iStock, Victoriano Javier Tornel, Barcelona Activa, Zarateman

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La noticia Barcelona lo ha conseguido: ya es el lugar de referencia de startups de tecnología en el sur de Europa fue publicada originalmente en Xataka por Carlos Fenollosa .


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          Delegasi Asing Harap Pertemuan IMF-Bank Dunia Bantu RI Hadapi Bencana      Cache   Translate Page      

Liputan6.com, Jakarta Indonesia dipercaya menjadi tuan rumah pertemuan IMF-Bank Dunia yang berlangsung di Nusa Dua, Bali.

Sebelum pertemuan IMF-Bank resmi berlangsung, beberapa daerah di Nusantara terlanda bencana alam gempa bumi dan tsunami, seperti di Lombok Nusa Tenggara Barat dan Sulawesi Tengah.

Kondisi bencana yang terjadi menuai perhatian dan keprihatinan para delegasi pertemuan tahunan IMF-Bank Dunia 2018 di Bali. Namun ini tak membuat kekhawatiran.

Seperti disampaikan Direktur Jenderal Kementerian Perekonomian Chad, Houle Djonkamla yang turut menyampaikan rasa prihatin atas bencana yang menimpa Indonesia.

Dia juga berharap, event besar ini sedikitnya dapat menolong Indonesia menghadapi masalah tersebut.

"Kita mendengar orang Indonesia beberapa waktu lalu mengalami kesulitan akibat itu. Kami harap dengan adanya pertemuan IMF-WBG ini bisa membantu Indonesia mengatasi kesulitan ini," ujar dia di Nusa Dua, Bali, Rabu (10/10/2018).

Meski tahu beberapa wilayah di Indonesia, termasuk Bali, saat ini rawan terkena bencana alam, dia mengaku tidak takut karena merasa terlindungi orang-orang di sekitar.

"Iya, saya merasa aman, karena kita punya alasan untuk bisa nyaman di sini. Soalnya orang Indonesia berada bersama kami. Mereka senang dengan kedatangan kita, dan kita juga senang dengan keberadaan mereka yang mau membantu negara kami dengan adanya acara ini," tutur dia.

Sementara Dom Fleich, petugas pengamanan tim delegasi Jerman mengaku sempat khawatir. Namengatakan tetap harus mampir ke Pulau Dewata karena telah menerima undangan untuk acara ini.

"Kalau boleh jujur, saya sebenarnya khawatir. Tapi saya harus berada di sini," kata dia ketika ditanyai Liputan6.com di The Westin Resort.

Meski begitu, sampai hari ketiga penyelenggaraan acara, ia mengaku situasi di Bali masih aman terkendali. "Di sini sangat aman," ungkap dia.

 

* Update Terkini Asian Para Games 2018 Mulai dari Jadwal Pertandingan, Perolehan Medali hingga Informasi Terbaru di Sini.

 

Bos IMF Senang Lihat RI Bangun dan Ekspor Pesawat

Managing Director IMF Christine Lagarde melihat berbagai rumah tradisional Indonesia saat berkunjung ke Paviliun Indonesia di arena pertemuan IMF-Bank Dunia, Bali, Rabu (10/10). (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Direktur Pelaksana International Monetery Fund (IMF), Christine Lagarde, mengaku sangat terkesan melihat perkembangan industri strategis, pariwisata dan financial technology (fintech) Indonesia.

Hal tersebut diutarakannya ketika mengunjungi Indonesia Pavilion yang terdapat di area utama Pertemuan Tahunan International Monetary Fund (IMF)-World Bank (WB) pada Rabu 10 Oktober 2018.

"Saya senang Indonesia bisa membangun pesawat sendiri dan bisa mengekspornya ke luar dengan menggunakan material sendiri," ujar Lagarde ketika mengunjungi area showcase manufacture, seperti dikutip dari keterangan tertulis Rabu (10/10/2018).

Lagarde juga terpukau ketika melihat miniatur proyek Kawasan Ekonomi Khusus Mandalika, Nusa Tenggara Barat (NTB).

Wanita asal Prancis itu sempat mengungkapkan ketertarikannya dengan KEK Mandalika setelah mengetahui wilayah ini terbebas dari kerusakan saat gempa mengguncang Lombok pada Juli lalu. "Berarti saya harus membeli rumah atau villa di sana," kata Lagarde tersenyum.

Tak hanya terkesima dengan pembangunan infrastruktur dan wisata Indonesia, Lagarde juga menunjukkan perhatiannya ketika menyambangi para pengrajin batik, lukis kipas dan tenun di area Workshop. Dia bahkan sempat berinteraksi langsung dengan para pengrajin lukis kipas.

Kunjungan Lagarde di Indonesia Pavilion kian menarik perhatian ketika dia menghampiri seniman musik Sasando. Ia bahkan sempat meminta pemain Sasando tersebut membawakan salah satu lagu kesukaannya.

"Ibu minta saya mainkan lagu Let It Be milik The Beatles. Ya, lumayan grogi," ungkap Ivan, Pemain Sasando.

Antusiasme Lagarde dengan Indonesia juga ditunjukkan saat dia melihat hasil kerajinan tangan dari kekayaan alam Indonesia. Dia terlihat banyak mengajukan pertanyaan tentang perhiasan berbahan perak dan mutiara yang dipamerkan.

"Ibu Lagarde tertarik sekali dengan perhiasan berbahan silver dari Bali dan pearl. Beliau bilang, di Prancis tidak ada yang seperti itu setelah kami sampaikan bahwa perhiasan mutiara ini semuanya berasal dari laut Indonesia," ungkap Angga Risnando, salah satu Marketing Executive yang memandu kunjungan Lagarde di Indonesia Pavilion.

Dalam kesempatan itu, Lagarde juga mengungkapkan kekagumannya setelah mengetahui, pengunjung Paviliun Indonesia dapat mengetahui langsung harga produk-produk yang ditampilkan dalam area UMKM melalui aplikasi smartphone.

"Ini bagus sekali. Sangat fintech. Kalian selangkah lebih maju," tutur Lagarde.

Sepanjang kunjungannya, Lagarde terlihat menikmati perjalanannya menyusuri area showcase Indonesia Pavilion yang luasnya lebih dari 2000 meter tersebut. "Indonesia Pavilion sangat mengesankan," ujar dia.

 

 

 


          Bos IMF Senang Lihat RI Bangun dan Ekspor Pesawat      Cache   Translate Page      

Liputan6.com, Nusa Dua - Direktur Pelaksana International Monetery Fund (IMF), Christine Lagarde, mengaku sangat terkesan melihat perkembangan industri strategis, pariwisata dan financial technology (fintech) Indonesia.

Hal tersebut diutarakannya ketika mengunjungi Indonesia Pavilion yang terdapat di area utama Pertemuan Tahunan International Monetary Fund (IMF)-World Bank (WB) pada Rabu 10 Oktober 2018.

"Saya senang Indonesia bisa membangun pesawat sendiri dan bisa mengekspornya ke luar dengan menggunakan material sendiri," ujar Lagarde ketika mengunjungi area showcase manufacture, seperti dikutip dari keterangan tertulis Rabu (10/10/2018).

Lagarde juga terpukau ketika melihat miniatur proyek Kawasan Ekonomi Khusus Mandalika, Nusa Tenggara Barat (NTB).

Wanita asal Prancis itu sempat mengungkapkan ketertarikannya dengan KEK Mandalika setelah mengetahui wilayah ini terbebas dari kerusakan saat gempa mengguncang Lombok pada Juli lalu. "Berarti saya harus membeli rumah atau villa di sana," kata Lagarde tersenyum.

 

 

* Update Terkini Asian Para Games 2018 Mulai dari Jadwal Pertandingan, Perolehan Medali hingga Informasi Terbaru di Sini.

 

 

Sambangi Perajin Batik

Direktur IMF Christine Lagarde (Foto: Dok Kementerian BUMN)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Tak hanya terkesima dengan pembangunan infrastruktur dan wisata Indonesia, Lagarde juga menunjukkan perhatiannya ketika menyambangi para pengrajin batik, lukis kipas dan tenun di area Workshop. Dia bahkan sempat berinteraksi langsung dengan para pengrajin lukis kipas.

Kunjungan Lagarde di Indonesia Pavilion kian menarik perhatian ketika dia menghampiri seniman musik Sasando. Ia bahkan sempat meminta pemain Sasando tersebut membawakan salah satu lagu kesukaannya.

"Ibu minta saya mainkan lagu Let It Be milik The Beatles. Ya, lumayan grogi," ungkap Ivan, Pemain Sasando.

Antusiasme Lagarde dengan Indonesia juga ditunjukkan saat dia melihat hasil kerajinan tangan dari kekayaan alam Indonesia. Dia terlihat banyak mengajukan pertanyaan tentang perhiasan berbahan perak dan mutiara yang dipamerkan.

"Ibu Lagarde tertarik sekali dengan perhiasan berbahan silver dari Bali dan pearl. Beliau bilang, di Prancis tidak ada yang seperti itu setelah kami sampaikan bahwa perhiasan mutiara ini semuanya berasal dari laut Indonesia," ungkap Angga Risnando, salah satu Marketing Executive yang memandu kunjungan Lagarde di Indonesia Pavilion.

Dalam kesempatan itu, Lagarde juga mengungkapkan kekagumannya setelah mengetahui, pengunjung Paviliun Indonesia dapat mengetahui langsung harga produk-produk yang ditampilkan dalam area UMKM melalui aplikasi smartphone.

"Ini bagus sekali. Sangat fintech. Kalian selangkah lebih maju," tutur Lagarde.

Sepanjang kunjungannya, Lagarde terlihat menikmati perjalanannya menyusuri area showcase Indonesia Pavilion yang luasnya lebih dari 2000 meter tersebut. "Indonesia Pavilion sangat mengesankan," ujar dia.

 

Saksikan video pilihan di bawah ini:

 

 


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          Invoice financing in India: TReDS and way forward      Cache   Translate Page      

by Sudipto Banerjee and Vishal Trehan.

Introduction

Medium, small and micro enterprises (MSMEs) operate on tight margins and need immediate settlement of invoices to avoid shortage of working capital. However, due to the poor bargaining capacity of MSMEs, their working capital often remains blocked in receivables as they work on an unfavourable credit cycle for goods and services supplied to corporate buyers. This problem is exacerbated due to the existence of a huge funding gap for MSMEs. In order to bridge the gap between invoice date and its due date, invoice discounting emerged as a financing solution for entities which are unable to access funding options such as short term credit and working capital loans. Under invoice discounting, the seller, instead of waiting for the payment to be made by the buyer, gets a certain percentage of the invoice amount from the financier in advance. The seller pays a fee to the financier for this discounting service. Once the invoice amount is received by the seller from the buyer, it repays the amount to the financier.

However, adoption of invoice discounting as a financing mechanism in India has not been as expected. This may be due to several reasons. First, the bargaining capacity is skewed in favour of corporate buyers who express reservations while accepting assignments of receivables made in favour of financiers. Second, it is difficult for financiers to establish the credit rating of MSMEs due to information asymmetry. This, coupled with the absence of pledgable collaterals increases the credit exposure of a financier. Third, the discounting landscape is still dominated by banks and there are very few specialised discounting entities. Finally, there is a lack of awareness among MSMEs about discounting services, especially in non-urban locations. For example, even though many MSMEs are exporters, they lack information about export factoring.

In 2014, the RBI observed that there is a need for institutional setup to boost discounting in India and for this purpose conceptualised an electronic exchange for invoice discounting known as trade receivable electronic discounting system or TReDS. This post looks at the TReDS platform critically in order to assess whether this fintech solution has been able to address specific issues related to invoice discounting in India. Further, we explore the developments around invoice discounting in the context of new technologies and examine whether their adoption holds any merit. It must be noted that the invoice discounting problem space is quite broad and TReDS, a technology based solution, must be seen as a solution for specific problems in the invoice discounting space in India. Specifically, TReDS seeks to address the problem of information asymmetry and the consequent high rates offered by financiers. Also, it is envisaged to reduce the time taken for sellers to receive payments. TReDS, however, was not conceptualised to address other persistent issues related to invoice financing. For example, although TReDS operates on the concept of 'no rescourse to seller', it is not a solution to the problems arising out of the bargaining power of buyers.

A digital platform to boost invoice discounting

In 2009, SIDBI, in collaboration with NSE set up the first e-discounting platform for MSME receivables. This was based on the lines of the Mexican NAFIN model. However, this was a closed single financier model and therefore, had limited scale of operation. To overcome these limitations, in 2014, RBI released a concept paper to set up a full fledged electronic exchange for invoice discounting. This was followed by TReDS is essentially an online electronic institutional mechanism for facilitating the financing of trade receivables of MSMEs through multiple financiers. The platform enables discounting of invoices of MSME sellers against large corporates including government departments and PSUs, through an auction mechanism, to ensure prompt realization of trade receivables at competitive market rates.

  • In the TReDS ecosystem, sellers, buyers and financiers can come on board by executing a one time agreement with the platform. This reduces the documentation cost for sellers who have to execute a separate agreement everytime there is a discounting transaction with a different financier.
  • After executing the agreement, once the seller provides goods or services to the buyer and after acceptance by the buyer, the invoice is uploaded on the platform. This can be uploaded either by a buyer or a seller. Once the invoice is accepted by the buyer, it is converted into a factoring unit, a nomenclature used for invoices on the platform. Subsequently, an electronic auction involving bidding for the factoring unit takes place on the platform.
  • Once a bid is accepted by the seller, the amount is credited to the account of the seller either on T+1 or T+2 basis depending on the cut-off time. This financier's account is auto-debited through the National Automated Clearing House (NACH) mandate. Instructions are sent electronically by the platform to the parties. On the due date of the invoice, the bank account of the buyer is auto debited and the amount is credited to the account of the financier.

As mentioned previously, the TReDS platform aims to address certain specific aspects of MSME financing. The current invoice financing system is riddled with an asymmetric flow of credit information. Financiers are not always aware of the financial condition of MSME suppliers due to limited publicly available information. Due to this, screening costs incurred by a financier go up for discounting an invoice of a MSME supplier. TReDS ensures easier access to invoice discounting at better rates for MSME suppliers due to the following reasons:

  • Financing on the TReDS platform is done on the credit rating of the corporate buyers, hence, financiers need to define the credit limit of buyers and not sellers. This reduces the due diligence cost for financiers and in turn lowers the cost of discounting for sellers.
  • TReDS operates on the model of without recourse to the seller which means that the financier can recover the invoice amount only from the buyer.
  • Outside TReDS, MSME sellers negotiate with individual banks and NBFCs who may not offer them competitive rates for the reasons discussed above. The average interest rate on working capital loans is 12% as compared to 8-10% on TReDS. TReDS allows multiple financiers to participate and bid for invoices - this is expected to provide better rates to MSME sellers. As described previously, the entire transaction happens digitally on the platform in an efficient and transparent manner.

Establishing the genuineness of an invoice is another challenge that TReDS addresses. Once the seller provides goods or services to the buyer and they are accepted, the invoice is uploaded on the platform. The bidding by financiers start only after the uploaded invoice is accepted by the buyer. However, the issue of double discounting of invoices was not addressed in the original implementation of TReDS. This was addressed through a blockchain implementation recently.

Key issues

The most critical problem in the invoice financing space in India, and consequently in the TReDS setup, is related to the obligation on buyers to repay on time. TReDS too follows the requirement of the Micro, Small And Meduim Enterprises Development Act, 2006 (MSMED Act, 2006) which imposes an obligation on buyers to settle the invoice amount within 45 days. Hence, in the TReDS ecosystem, the buyer has to pay the factored invoice amount to the financier within 45 days from the date of acceptance of bid by the seller. This requirement of adhering to time bound payment, which is otherwise mostly flouted outside TReDS, can cause reluctance on the part of buyeres to sign up. Presently, MSME suppliers facing competition from other players are inclined to accept higher volumes of trade credit on less favourable collection terms. Interactions with practitioners in the MSME financing segment revealed that at times, sellers also avoid disclosing their MSME status so that the buyer is not deterred by the applicability of MSMED Act in case of delayed payments. Therefore, it is not surprising that buyers have even instructed their vendors not to sign up on the electronic platform to avoid the time bound commitment to pay.

Other related challenges with TReDS

While TReDS is a technology based solution to provide an institutional platform to boost MSME financing, its performance needs to be evaluated against the market's response. The market usually adopts a particular solution for two reasons - it can either be a business need or a legal obligation. Considering that the TReDS platform came about as a result of the practice of delayed payments by buyers, it is important that we examine the incentives for buyers to come on board.

  1. Restriction on raising disputes: It must be noted that presently TReDS is an optional system. Assuming there is a corporate buyer X dealing with several vendors, under TReDS, X has to execute an agreement where it accepts the invoice of the seller (its vendors) and only after such acceptance, an invoice is made available for auction on the exchange. The TReDS Guidelines specifically require that X cannot dispute the goods or services received from the seller at a later stage. This is a major disincentive for buyers. Outside TReDS, X usually does not give acceptance to suppliers but merely records the event that it has received supplies - thereby keeping an option to dispute them in the event of any deficiency.
  2. No recourse to seller: In the non-TReDS setup, if X defaults in paying the financier on the due date, the seller becomes a debtor vis-à-vis the financier for recovery purpose. However, as discussed above, on the TReDS platform discounting is done without recourse to the seller. This means that if X fails to pay the invoice amount on the due date, the financier would have no recourse to the seller. Instead, the financier will have to pursue the buyer. While this mechanism may reduce the financier's risk, it may not attract buyers as they would now have to deal with an institutional lender who replaces the MSMEs.
  3. Enhanced transparency: In case of default or any delay in payment by the buyer to the financier on TReDS, the delay/default gets duly recorded and can feed into the credit rating of the buyer. Outside TReDS, instances of such delay or default are not recorded, unless the MSME seller chooses to pursue action under MSMED Act at the cost of its future business relationship with the buyer. Therefore, the decision of a buyer to join TReDS would most likely depend on a cost-benefit analysis of aspects such as reduced flexibility in cash flow management, more transparency, etc.
  4. Existing arrangements: Experts in the MSME financing area have pointed out during interactions that many big corporate houses have their own discounting business and their suppliers/vendors are required to avail discounting services from their group entities. For instance, Reliance Capital, Mahindra Finance, Tata Capital, Bajaj Finance, Aditya Birla Capital, etc are full fledged NBFCs and have dedicated invoice discounting divisions. Companies not having such an in-house discounting facility usually have pre-existing arrangements with banks or NBFCs. Moreover, these big houses usually consolidate their vendor payments into select groups not falling within the category of MSME who in turn buy products from MSMEs. This may be another reason for big houses to not come on board TReDS.
  5. Cost of integration: Another barrier, especially from the buying corporates, is their reluctance to invest in the cost of integrating into a system like TReDS. Since the buyer bears the costs but the benefits accrue only to vendors, this
    may prove to be a disincentive for the buyers.
  6. Poor awareness: Lastly, the level of awareness about any new solution determines its success. Based on inputs from several stakeholders such as discounting entities and banks, the overall level of awareness about TReDS does not appear to be encouraging. Further, in smaller towns and semi urban setups, banks are the predominant option available to suppliers for their financing needs. These sellers do not easily switch banks with whom they share an established relationship, unless the buyer takes the initiative to migrate their dealings onto TReDS.

Addressing the issues

In order to ensure that the TReDS platform achieves its objectives, broader issues related to invoice financing in India as well as TReDS specific concerns need to be addressed. Extending the timeline of 45 days for settlement of invoice, which presently could be the prime reason for buyers not coming onto the TReDS platform, may be considered. To begin with, the platform should be enabled to give an extension to buyers on a case by case basis. While balancing the conflicting interests of suppliers, buyers and vendors is a challenging task, a middle path can be arrived at by ensuring constant interactions between the regulator and the stakeholders, especially the buyers. Further, it is essential that RBI invests resources to increase the overall level of awareness about TReDS. As discussed previously, the focus of such an awareness programme should be smaller towns and semi-urban setups.

Alternatively, a light-touch approach to regulating the behavior of large buyers could involve doing away with the 45 day payment period for TReDS so as to incentivise big buyers to get onto the TReDS platform. Instead, buyers may be asked to disclose their payment practices. Such reporting is mandatory in the UK where firms are required to disclose payment practices as per the Small Business, Enterprise and Employment Act, 2015. Removing the time-line of 45 days and mandating disclosure of payment practices would require amendment of the MSMED Act, 2006. The disclosures, which can be made public on TReDS, should also form a part of the notes to accounts of financial statements of such firms so that they can be cross verified by statutory auditors. This would require amendment to Schedule III of the Companies Act, 2013.

Further, there could be a mix of other regulatory tools like:

  • A code similar to the Prompt Payment Code in UK can be created and large buyers may be encouraged to sign on to this code. Such a voluntary code can in turn set a maximum payment term.
  • A system for blacklisting companies which violate payment terms repeatedly may also be created based on the payment practices data.
  • The role of MSME associations is important in this context to ensure that big buyers do not abuse market power. As is generally the case, a single MSME will be reluctant to file a complaint against a buyer for fear of losing business as well as the costs involved. Instead, MSME associations can give MSMEs the requisite support and can help MSMEs collectively protest against a buyer to enforce a change in behaviour.

Additional measures for boosting TReDS

RBI may take additional measures after taking stock of bottlenecks currently faced by the TReDS platform to ensure that the platform achieves its intended objectives. These include:

  1. Presently, only banks and NBFCs are allowed to participate on TReDS. These entities lend as per the minimum credit lending rate. TReDS Guidelines do not allow any other entity to participate on this platform as a financier. Considering that the objective of TReDS is to boost MSME financing, RBI may consider lifting this restriction after doing a cost-benefit analysis. More participants such as urban cooperative banks, regional rural banks, high net worth individuals (HNIs), mutual funds, pension funds, etc. may be allowed to ensure the best rates for MSME suppliers. Such participation is allowed in other jurisdictions. For example, UK based MarketInvoice connects businesses with investors, including HNIs through its peer-to-peer invoice finance platform.
  2. On the supplier side, the option of allowing non-MSME entities can also be explored. For example, a corporate buyer on board TReDS presently would have to maintain an additional payment mechanism for non-MSME segment. This leads to operational inefficiencies for the buyer. Allowing both segments on TReDS may ease their way of doing business.
  3. Several MSMEs lack reliable information systems which can generate invoice suitable for discounting. To address this problem, in the Union Budget 2018-19, it was declared that TReDS would be linked to the Goods and Service Tax Network (GSTN). Further, as discussed previously in the post, financing in the TReDS environment is done on the credit worthiness of buyers on 'without recourse to seller' basis. This can potentially create disincentives for buyers to come onboard. If financiers are allowed to access the transactional data of MSME sellers available on GSTN, subject to certain safeguards like privacy of data, this can reduce their information asymmetry in terms of assessing the credit history of sellers. In other words, this measure can enable financiers to discount invoices based on the credit worthiness of sellers.

Technology solutions to address challenges

Some technological solutions are also being explored to address specific challenges with TReDS. The three licensed TReDS exchanges recently got together with MonetaGo, a US based startup, to implement a blockchain based solution for a specific problem - the problem of double invoicing and associated fraud. This permissioned blockchain solution, with each of the exchanges acting as a node, went live recently. This solution has enabled the three exchanges to work together to eliminate instances of double discounting while protecting confidential information of their clients. The system generates a hash which is used by the exchanges for validating whether an invoice has already been discounted or not.

In other parts of the world too, blockchain is being considered to develop end-to-end solutions for invoice financing. Several early implementations already exist - examples being Populous in the UK and the Hive Project in Slovenia. More specifically, blockchain is being used to:

  • Ascertain the legitimacy of an invoice
  • Find out whether the invoice has already been discounted
  • Make available immutable contract information securely to all stakeholders, thus ensuring transparency
  • Create incentives for quicker payments
  • Reduce costs related to the invoice financing process

Need for a cautious approach

In view of the decision by the three exchanges to move the fraud-detection module of the TReDS platform onto a blockchain, going forward, authorities and other stakeholders must follow a cautious approach when considering a blockchain solution for other modules of the invoice discounting process of TReDS. A blockchain based solution is envisaged to reduce costs associated with invoice financing and also incentivise quicker payments by bringing in transparency of transactions through a distributed immutable ledger. However, certain considerations need to be made to come up with the most appropriate design approach in the Indian context:

  1. Will a blockchain solution incentivise buyers? Considering the reluctance of buyers to come onboard TReDS due to
    the lack of a dispute resolution mechanism, it is critical for any future blockchain implementation to tackle this issue. Buyers may want a transparent mechanism on the blockchain which allows them to flag the quality of goods/services sold to them even after accepting the invoice.
  2. Is a blockchain the best design choice?
    Various design choices, including centralised and distributed databases, must be considered and a cost benefit analysis must be done to choose the most efficient solution.
  3. Will the solution help achieve RBI's objectives?
    Depending on RBI's objectives and factors such as trust among stakeholders, a permissioned or permissionless blockchain solution might be more suitable in case a blockchain solution is found to be the right choice.
  4. Issues of security, scalability and governance: Blockchain solutions with public facing data and handling a large number of transactions have been known to struggle with issues of throughput capacity and security. Further, complex questions such as who controls the blockchain, who are the nodes in case of a permissioned blockchain with multiple stakeholders and what is the consensus mechanism need to be answered.
  5. How will the solution respond to a complex and dynamic environment?: A blockchain based 'smart contract' solution for invoice financing should be able to quickly adapt to complex and fast-changing real world environments - for example, changes in the regulatory framework.

It is important that a blockchain solution is adopted only if it is addressing persistent challenges in the Indian context. Characteristics/features of the technology itself pose another set of questions when considering the solutions. Thus, a cost-benefit analysis is of paramount importance before deciding the design of the solution.

Conclusion

Several measures have been taken over the past few years to boost invoice financing in India. Although TReDS is a good initiative, we must carefully evaluate its effectivesness to address the lacunae in the system. To this end, we have examined the existing design and performance of TReDS after considering the market's response and expectations of stakeholders. Primarily, a lack of incetives for buyers is holding up widespread adoption of TReDS. This is due to structural issues in the invoice discounting space as well as challenges with the TReDS platform. This classification of challenges is necessary since merely fixing the technology platform may not address the underlying distortions. Thus, both types of challenges - structural ones such as the bargaining power of buyers and TReDS related challenges like the absence of a dispute resolution mechanism within TReDS - need to be addressed to ensure TReDS' success. Further, a cautious approach needs to be adopted when considering novel technology solutions for such challenges. In sum, this multi-layered problem needs a concerted effort from the authorities to uncover issues at the ground level and come up with the appropriate policy and technical solutions.

References

Department of Economic Affairs, Industry and Infrastructure, Economic Survey 2017-18 Volume 2, 127-128.

Mohmad, K. M. Factoring Services in India: A Study, 2015.

Reserve Bank of India, Concept Paper - Trade Receivables and Credit Exchange for Financing of Micro, Small and Medium Enterprises, 2014.

Dylan Yaga et al, Blockchain technology overview, 2018.

 

The authors are researchers at the National Institute of Public Finance and Policy. The authors would like to thank Radhika Pandey, Anjali Sharma and Anirudh Burman for useful discussions.


          Visa amplia programa de fast-track para fintechs da América Latina e Caribe      Cache   Translate Page      
Com o programa, fintechs conseguirão se integrar mais rapidamente à VisaNet, a rede global da operadora de cartões de crédito
          Whitecap to support DIT FinTech Missions to Northern Powerhouse      Cache   Translate Page      
As the UK looks to court FinTech talent from across the world, the Northern Powerhouse project is preparing to welcome two missions from the Nordics in the coming months. In order to support this, Whitecap Consulting has been enlisted to assist with the important events.
          FinTech guide for global citizens: payments      Cache   Translate Page      

Amongst other areas, FinTechs have helped global citizens fulfil their banking and cross-border payment needs. However, global citizens are also struggling with traditional providers’ offerings in the wider payments space. We take a closer look at the payment needs of global citizens and how FinTechs are solving these.

One of the most publicised problem areas in the payments space is the issue of paying for goods and services abroad, for instance, while on holiday. Traditionally, travellers would have approached their bank or a local foreign currency dealer and exchanged currencies at, most probably, very unfavourable FX rates. Alternatively, they would have either paid with their debit or credit card or used either card to withdraw cash, incurring a slightly better exchange rate but then also being charged an additional fee. Recently established money transfer FinTechs and digital banks have identified this area as a significant opportunity. In Europe, Monzo, Revolut, Starling and TransferWise all offer prepaid/debit cards that travellers can use at close to mid-market exchange rates, and at no additional cost, for both purchases and cash withdrawals (although typically monthly limits apply).

Similarly, Alibaba, the world’s largest e-commerce platform, and Tencent, owner of the hugely popular WeChat social media platform, have launched their respective retail payment solutions. Boasting hundreds of millions of customers, AliPay and WeChat Pay enable customers in China and the wider South East Asia region to pay for goods with the mobile app not only in their home countries but abroad as well. Following a recent expansion, both solutions are now accepted at millions of North American and European merchants. These innovations mean that, when abroad, paying with cash in the local currency and/or with a credit/debit card are not necessarily the only/best solutions anymore.

Similarly to purchases in the host country, global citizens often need to make payments to their home country. Whether it is their own expenses or those of their relatives, making these payments from abroad can be difficult. This is what start-ups such as ZymPay (UK to Africa) and Saldo.mx (US to Mexico) are aiming to solve. Both digital wallets enable expats to pay bills via credit/debit card, with the app facilitating the payment to the service provider in their home country.

Paying friends or family abroad can also be tricky/expensive. Situations such as splitting bills (e.g. a family dinner, utility expenses) are hassle enough without the international element but are even more so when travelling or living abroad. Most often, these affairs would traditionally have been resolved in cash but with the move towards cashless societies, a digital solution is becoming desirable. Thankfully, there is a FinTech (plenty, actually) for this. Start-ups such as Fused (UK) and SplitWise (US) focus on students and young professionals splitting expenses of their shared accommodation, while Split (US) and Tab (US) enable friends and family to split restaurant bills. Additionally, most digital banks (including the ones mentioned above) have also recently started offering streamlined peer-to-peer payment features that enable users to send funds to their contacts with a single click. Whether through a case-specific app or through a digital bank feature, sending money to peers is now easier than ever.

Combined with the strides made in the remittance space, FinTechs continue to offer innovative solutions to global citizens’ payment needs. However, as the global citizen cohort continues to grow, so do their needs.

This was originally posted on KAE.com


          PISPS and how they are improving the payment experience      Cache   Translate Page      

Hi Bernard

Many thanks for your message. This is definitely an area we are watching closely! At the moment it is too early to provide an indication of true traction but we expect this to be strong.

It may be useful also looking at this interview with Bud – which is a PISP and AISP

Many thanks!


          Bitcoin freefall: signs of the end      Cache   Translate Page      

Bitcoin transactions are falling and expected to slide further from the latter half of next year.

This is the assessment from Juniper Research’s study, The Future of Cryptocurrency: Bitcoin & Altcoin Trends & Challenges 2018-2023, which estimated that daily transaction volumes have fallen from an average of around 360,000 per day in late 2017 to just 230,000 in September 2018. Daily transaction values were down from more than $3.7 billion to less than $670 million in the same period.

Juniper said Bitcoin has not only fallen sharply from its December 2017 peak but has failed to recover despite the weakness of a number of leading fiat currencies, continuing uncertainty around Brexit outcomes and ongoing trade disputes between the US, China and the EU. The study claims that if Bitcoin cannot make gains in such favorable circumstances, then it is unlikely to prosper as and when these issues are resolved.

The report also pointed out that not only were national and state governments imposing additional restrictions on (and conducting criminal investigations into) cryptocurrency exchanges, but that visibility and reach had been severely curtailed by advertising bans introduced by leading social media companies, including Google and Twitter.

It claimed that the ability of casual investors to buy Bitcoin had been significantly reduced by the decision of many financial institutions to prevent purchases via credit cards.

What future?

The study also cast doubts on the longer term prospects for Bitcoin, due both to closer regulatory scrutiny and, ultimately, the rationale behind its valuation. According to report author Dr Windsor Holden, “Bitcoin has no intrinsic value. Like any asset, it is worth whatever someone is prepared to pay for it, but it has no meaning or existence beyond the confines of the ledger. It is a bubble, and there is a strong possibility that this bubble could burst in the near future.”

Caption: 
Image from iStockPhoto/Andrey Suslov

          Nubank recebe investimento de US$ 180 milhões da Tencent      Cache   Translate Page      
Como o The Information reportou ontem, dia 8 de outubro, a gigante chinesa Tencent investiu US$ 180 milhões no Nubank, fazendo com que a fintech brasileira se torne a startup mais valiosa da América...
          Learn The Truth About 19d Planner Download In The Next 19 Seconds | 19d planner download      Cache   Translate Page      

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Edmundas ‘Eddy’ Balcikonis is a co-founder & CEO of TrackDuck startup, which makes simple to use beheld acknowledgment tool, ideal for architecture and web action commenting.

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Lithuania is small. Yet it seems to accept one of the best avant-garde and tech-savvy populations in Europe whose startup ecosystem has been growing consistently with almanac action in 2014 and added than $100 actor in investments over the accomplished few years.

For best of us, the abandoned names heralding from the tiny Baltic accompaniment are Pixelmator, a able angel editor, which in 2014 was appear as the best iPad app of the year, and GetJar, the better absolute cross-platform adaptable app store.

However, as Lithuania’s startup ecosystem acquired drive in the accomplished few years, new able startups started arising up. Some of them accept already got huge traction, accustomed record-big investments and got noticed on a apple scale. For the others, aggregate is still ahead.

We absitively to booty a attending at some of the companies punching way aloft their weight in the tech space, and those attractive to accomplish a big appulse in 2015.

Note: we accept accepted the numbers with all startups except for Vinted, GameInsight and Yplan.

Among Lithuanian SaaS startups that are adopting money this year the best remarkable, and already funded, are Eylean Board, TrackDuck, Planner 5D, Dragdis.

Eylean Board (on angel.co) is an alive action administration software for teams application Kanban, Scrum or any added agnate methodology. A 4-person aggregation now generates $200K anniversary assets and already has big players, such as Tesla, British Petroleum, Sandvik, Velux and abounding others, amid their clients. This year Eylean Board is adopting a Alternation A of $1 million.

TrackDuck (on angel.co) is a B2B SaaS startup, which covers all your agenda action acknowledgment needs – from the aboriginal mockups to a alive website. Launched in January 2014, TrackDuck now has added than 12,000 users in 129 countries. This year they are adopting a Alternation A of $500,000

Planner 5D (on angel.co) is a cross-platform account that allows users to actualize attic affairs and autogenous designs after any appropriate skills. Currently, it has over 3M users common and is adopting a Alternation A of $2M.

Dragdis (on angel.com) is a beheld bookmarking apparatus for designers with added than 63,000 creatives onboard. This year Dragdis is adopting a backward berry annular of $500,000.

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Mobile Worker, Soundest, MobiFOR haven’t been adjourned yet. Though they are attractive advanced to accession berry circuit this year.

Mobile Worker is a B2B SaaS startup accouterment belvedere for acreage account and adaptable workforce management. In 2014 alone, Adaptable Worker accomplished 15,000 Android App downloads in 160 countries.

Soundest (on angel.co) is an email business belvedere specialized for e-commerce. It helps online retailers admission their acquirement through newsletters. Launched in February 2014, Soundest now serves added than 6000 online food from 115 countries and is the No.1 email business account in the Shopify app store. This year Soundest is adopting a berry annular of $500,000.

MobiFOR (on angel.co) is a SaaS belvedere that lets users actualize an online abundance after a charge for programming skills. MobiFOR is attractive advanced to accession a berry annular of $450,000.

Among Lithuanian exchange startups, you can acquisition one of the arch all-around marketplaces for buzz clothes, Vinted. In 2014, Vinted bankrupt a $27 actor annular from Accel Partners and Insight Ventures. It has been one of the better circuit anytime in the Baltic States.

It’s additionally account advertence GameInsight (on angel.co), a all-around amateur development and publishing behemothic that confused its address to Lithuania in 2014. GameInsight bankrupt a $25 actor alternation A from IMI.VC and is now attractive for a new advance of hundreds of millions.

Other exchange startups from Lithuania that are worth-looking at are MoboFree, Copictures, CGTrader, ReHobby, JobRely, TutoTOONS, OppSites and Aciety.

MoboFree (on angel.co) is #the 1 amusing e-commerce exchange in Nigeria with able casting in Uganda, Zimbabwe and Ghana with about four actor registered members. This year they are adopting $2.5 actor to aggrandize added in Africa.

Copictures (on angel.co) is a one-stop-shop for selling, trading and press banal images or photos after accepting to affliction about the acknowledged details. Currently, Copictures is adopting $2 million.

CGTrader (on angel.co) is the arch 3D archetypal exchange for 3D press and computer graphics. In 2014 CGTrader grew four times faster than the antecedent year and now unites 150,000 able 3D designers globally, alms 100,000 different 3D models for sale. This year they are adopting a Alternation A of $3 million.

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ReHobby (on angel.co) is a p2p exchange for acclimated amusement equipment. In aloof 13 weeks, they accept managed to hit 2,000-users. This year ReHobby is adopting a backward berry annular of EUR 100,000 to authorize their casting in Germany.

JobRely (on angel.co) is a crowd-sourced application belvedere startup with predictive HR analytics. In the aboriginal 9 months, over $120k bonuses were handed out to referrers by 100 companies in Lithuania. This year JobRely is adopting a berry annular of $400,000.

TutoTOONS (on angel.co) is a able belvedere for creating your own adaptable amateur after any coding skills. Launched in 2014, TutoTOONS has already appear added than 80 amateur and eight actor downloads. They are adopting a Alternation A of $1,5 million.

OppSites (on angel.co) is an bread-and-butter development belvedere abutting cities and municipalities with the advance association in a distinct $250 billion dollar anniversary market.

Aciety (on angel.co), a B2B chase agent for high-end IT services. This year they are attractive advanced to adopting a berry annular of $300,000.

In the ball field, one of the best arresting Lithuanian startups is Yplan, a going-out app that lets you to ascertain and book the best contest about you. They accept already aloft $37.7 actor in three Circuit from 16 investors. Yet by the alpha of 2016 YPlan is planning to accession a annular decidedly beyond than the antecedent ones.

Among others that are almost adolescent yet worth-looking at are Tinggly, Playgong, EveBUZZ and PlateCulture.

Tinggly (on angel.co) is a all-around acquaintance ability company, which is on a mission to change the allowance giving culture. Currently, they are adopting a berry annular of $500,000.

Playgong (on angel.co) is an app based about a association of sports players and congenital for absolute matchmaking, aftereffect administration and bounded leaderboards. This year Playgong is attractive advanced to adopting a berry annular of $550,000.

EveBUZZ (on angel.co) is a amusing arrangement that helps you to align meet-ups with accompany or agreeing bodies nearby.

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PlateCulture connects bodies who adulation affable and hosting dinners with bodies who adulation bistro accurate home adapted meals. Focus bazaar is Southeast Asia.

Talking of Lithuanian fintech startups one should analysis two capital players here: TransferGo and WoraPay.

TransferGo (on angel.co) is a London-based fintech startup founded by Lithuanian founders that is currently adopting a Alternation A of $6M. From 2012 till 2014 they grew their alive user abject by 24 percent month-on-month and become the arch all-embracing money alteration account for the CEE migrants.

WoraPay (on angel.co) has aloof been recognised by The FinTech50 2015 as one of the hottest FinTech businesses in Europe. They advice banks and added adaptable wallets accredit alien adaptable acquittal methods as able-bodied as accumulate admission to new markets and merchants. WoraPay is now adopting $2.5 million.

Among Lithuanian startups that accommodate some affectionate of account you should casting an eye on on PlaceILive, Bliu Bliu, Widerfi and Adtarget.me.

Place I Alive (on angel.co) is a area based belvedere that provides ‘smart’ neighbourhood advice to advice you acquisition the best abode to live. They accept 150K account alive users and is adopting a berry annular of 700K EUR.

Bliu Bliu (on angel.co) is a B2C apprenticeship startup authoritative the acquirements of languages added absorbing and fun. With an absorbing advance in 2014 Bliu Bliu is attractive advanced to adopting a Alternation A of $1.2 actor this year.

Widerfi (on angel.co) is a different APN EU Internet provider in the apple with absolute activity accomplishing in a bartering MNO infrastructure. Currently, they are adopting $2.4 actor to advance added growth.

For a country with a citizenry beneath than bisected of what you’d acquisition in a burghal like London, this tiny Baltic accompaniment punches way aloft its weight.

Read Next: Eastern Europe: February tech account roundup

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          Ultimate Asset: VP Business Development & Partnerships- Fintech      Cache   Translate Page      
£80000 - £100000 per annum + bonus, stock and bens: Ultimate Asset: VP Business Development & Partnerships - Digital Financial Services Start-UpLondon£negotiable plus bonus & stock! London
          Fannie Mae names former Barclays CEO Jenkins to board       Cache   Translate Page      
Fannie Mae (OTC Bulletin Board: FNMA) today announced that Antony Jenkins has been elected to the Board of Directors. Mr. Jenkins served as Group Chief Executive Officer and as a member of the Board of Directors at Barclays PLC, one of the world’s largest banks, and is a digital banking technology executive with extensive fintech expertise. He ...
          MyBucks: AI Holds the Key to Global Financial Inclusion      Cache   Translate Page      

According to the Global Findex Database 2017, 1.7-billion people in the world remain unbanked. With current estimates of the world population hovering around 7.2-billion people, this means that almost a quarter of the people in the world do not have access to financial products and services. -   - Dr Christiaan van der Walt, Chief Technology Officer at Frankfurt-listed fintech MyBucks, says the fourth industrial revolution is providing the tools to change this. van der Walt says that develop...

Read the full story at https://www.webwire.com/ViewPressRel.asp?aId=229872


          Все буде fintech: чи програють банки війну новим сервісам      Cache   Translate Page      
Як змінюється ринок фінансових послуг, які технології спрощують життя користувачам і чого чекати в найближчі роки. Банковскую сферу в ближайшие годы ждет "уберизация", из-за которой численность персонала в секторе может сократиться на 50%, а рентабельность в некоторых сферах банковских услуг упадет более чем на 60%. Об этом заявил экс-руководитель одного из крупнейших банков Великобритании Barclays Энтони Дженкинс еще в 2015 году.
          Aktuell zu Ihren Aktien: Eckert Ziegler, FinTech Group      Cache   Translate Page      

Auf Eckert & Ziegler bleibt Verlass: Bereits zum zweiten Mal in diesem Jahr erhöht der Anbieter von radioaktiven Komponenten für den medizinischen und messtechnischen Einsatz seine Gewinnprognose und kalkuliert für 2018 nun mit einem Überschuss von 2,80 Euro pro Anteilschein. Dem Vernehmen nach hat das Unternehmen nach Ablauf der ersten neun Monate sein bislang für […]

The post Aktuell zu Ihren Aktien: Eckert Ziegler, FinTech Group appeared first on Boersengefluester.


          Segíthetünk pénzt szórni a Magnet Banknak      Cache   Translate Page      

Már nem csak az ügyfeleit kérdezi meg a Magnet Bank, hogy milyen arányban ossza szét társasági adóját. Bármelyik netező kattinthat egyet, hogy egy művészeti társulatot támogasson.

Segíthetünk pénzt szórni a Magnet Banknak | FinTechRadar.


          Duologi Secured New £20M Facility from Paragon      Cache   Translate Page      

Duologi, a Basingstoke, UK-based fintech company, secured a new facility for £20m. The Structured Lending team at Paragon, which provides senior secured funding to help other UK-based, non-bank lenders grow their activities, provided the financial resources. The company will use the funds to grow its portfolio to £1 billion in five years. Duologi plans to […]

The post Duologi Secured New £20M Facility from Paragon appeared first on FinSMEs.


          Fintech Startup, Accounteer Raises Funding From Microtraction      Cache   Translate Page      
Nigerian fintech startup Accounteer has raised an undisclosed amount of funding from early-stage investment platform Microtraction as it looks to expand its customer base of small and medium enterprises (SMEs). Accounteer has developed online accounting software specifically designed for SMEs and catering to the specific needs of African businesses. Its mobile companion app allows businesses […] More
          DevOps Engineer (f/m/div) // FinLeap      Cache   Translate Page      

First of all, what is Deutsche Fintech Solutions? Deutsche Fintech Solutions aims to change the way financial consulting is done. As a joint venture created by FinLeap and DVAG (Germany’s largest independent financial advisory company) it plans to, as a first step, focus on creating new, innovative, and customer-focused digital tools for the 20,000 financial advisors of DVAG and the 6...

Check out all open positions at http://BerlinStartupJobs.com


          Inside Sales Representative - Cactus Credit - Burnaby, BC      Cache   Translate Page      
Apply with resume now - only qualified candidates will be contacted. Our Fast Growing FinTech company is now hiring for inside sales!... $4,000 - $10,000 a month
From Indeed - Mon, 01 Oct 2018 23:32:48 GMT - View all Burnaby, BC jobs
          Tencent part à la conquête de la fintech brésilienne      Cache   Translate Page      
Le géant chinois entre au capital de la start-up Nubank, son premier investissement au Brésil.
          Inside Sales Representative - Cactus Credit - Burnaby, BC      Cache   Translate Page      
Experience reps can make $5,000 - $10,000 per month! Our Fast Growing FinTech company is now hiring for inside sales!... $4,000 - $10,000 a month
From Indeed - Mon, 01 Oct 2018 23:32:48 GMT - View all Burnaby, BC jobs
          Ideanomics Closes on Purchase of University of Connecticut's Former West Hartford Campus      Cache   Translate Page      
WEST HARTFORD, Conn., Oct. 10, 2018 /PRNewswire/ -- Ideanomics (formerly: Seven Stars Cloud Group, Inc.) (NASDAQ: SSC) ("Ideanomics" or the "Company"), a leading global fintech and asset digitization services company which is establishing its global innovation center in West Hartford, is pleased to announce it has closed on its purchase of the 58-acre former University of Connecticut campus in West Hartford from the State of Connecticut. Ideanomics plans to transform the property into a world-renowned technology campus named Fintech Village. The planned $283 million-plus investment will focus on being an ultra high-speed computing facility and laboratory for developing new and leading edge Fintech solutions utilizing artificial intelligence, deep learning, IoT, and blockchain.
          A disrupção do cooperativismo financeiro      Cache   Translate Page      

Não são só as fintechs que têm tirado o sono das instituições financeiras tradicionais; uma silenciosa inovação de ruptura, menos tecnológica e mais social, vem sendo feito pelas cooperativas de crédito, que ganham cada vez [...]

O post A disrupção do cooperativismo financeiro apareceu primeiro em Portal do Cooperativismo Financeiro.


          Human Resources Coordinator - DSG Auto - Burnaby, BC      Cache   Translate Page      
Our fast growing FinTech company is now hiring a Human Resources Coordinator! The successful candidate will help recruit, develop and hire people and shape... $33,000 - $49,000 a year
From Indeed - Tue, 25 Sep 2018 17:43:39 GMT - View all Burnaby, BC jobs
          Inside Sales Representative - Cactus Credit - Burnaby, BC      Cache   Translate Page      
Our Fast Growing FinTech company is now hiring for inside sales! Experience reps can make $5,000 - $10,000 per month! You'll be selling our financial... $4,000 - $10,000 a month
From Indeed - Mon, 01 Oct 2018 23:32:48 GMT - View all Burnaby, BC jobs
          Human Resources Coordinator - DSG Auto - Burnaby, BC      Cache   Translate Page      
Some of the responsibilities include:. Our fast growing FinTech company is now hiring a Human Resources Coordinator!... $33,000 - $49,000 a year
From Indeed - Tue, 25 Sep 2018 17:43:39 GMT - View all Burnaby, BC jobs
          Inside Sales Representative - Cactus Credit - Burnaby, BC      Cache   Translate Page      
Our Fast Growing FinTech company is now hiring for inside sales! Experience reps can make $5,000 - $10,000 per month! You'll be selling our financial... $4,000 - $10,000 a month
From Indeed - Mon, 01 Oct 2018 23:32:48 GMT - View all Burnaby, BC jobs
          China’s Tencent Invests $180 Million in Brazilian Fintech Startup Nubank      Cache   Translate Page      

Tencent will infuse US$90 million into Nubank’s coffers to be used for loans, in addition to paying another US$90 million for the stake, valuing Nubank at US$4 billion.

The post China’s Tencent Invests $180 Million in Brazilian Fintech Startup Nubank appeared first on Nearshore Americas.


          Senior Full Stack Software Engineer - Fintech Environment – Sandton – R850K pa      Cache   Translate Page      
e-Merge IT Recruitment - Gauteng - Our client is a FINTECH business based in Sandton and they are on the hunt for Senior Full Stack Software Engineers to join their dynamic... how clued up they are. BSc. in Computer Science or related field Minimum of 5 years hands on experience within a software engineering...
          Visa amplia programa de fast-track para fintechs da América Latina e Caribe      Cache   Translate Page      
Com o programa, fintechs conseguirão se integrar mais rapidamente à VisaNet, a rede global da operadora de cartões de crédito
          Tencent joins forces with Brazilian fintech Nubank      Cache   Translate Page      
The world's largest fintech outside Asia gets more firepower to develop its local footprint.
          Les néobanques ont conquis 4,4 millions de Français mais pas la rentabilité      Cache   Translate Page      
Les banques en ligne, comme Boursorama, et autres néobanques sur de la Fintech, comme le compte Nickel, ont une part de marché de 6,5% selon une enquête de l'Autorité de contrôle prudentiel et de résolution (ACPR/Banque de France). Mais la difficulté à trouver un modèle économique pose la question de leur pérennité.
          Voyages : les entreprises dépensent 5,3 % de leur chiffre d’affaires en gestion des paiements      Cache   Translate Page      
Les entreprises de la fintech (entreprises spécialisées en technologies financières) se développent à vitesse grand V. Comment les entreprise du voyage pourraient tirer profit des nouvelle...
          Head of Quality Assurance      Cache   Translate Page      
NY-New York City, Company: Leading FINTECH and Global Algorithmic Trading Product Company Region: New York City Category: Financial Technology/Software Engineering Salary: Very attractive. Our fast-growing financial technology and algorithmic trading analytics firm provides software and services to premier global financial institutions. We are known for the excellence of our offering and innovation. The firm foster
          別把讓妳笑這事交給男人      Cache   Translate Page      

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和我共事的短短兩年,大眼妹由一個鄉音未甩,黃毛丫頭,變成了一個大美人,更加成為Google中國的高層,為此,送上最衷心的祝福。

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「提乜X嘢攜啫?,妳幫我揾錢,我還妳經驗。」


大家都知,入到Google等於中六合彩,而且仲係Google位於新加Bore的亞洲區總部。

20103月關閉在大陸的搜索引擎業務以來,關於Google重返中國的傳聞一直不斷,而這一次,谷歌是既有想法、也有所行動。Google京滬仍有六百名員工,但是整個集團亞洲總部,絕對不會放在香港、更不會放在China,而是放在新加Bore,這邊的總部有2000幾人,根本不用美國商會,歐盟,記協的人指指點點,全世界的跨國企業,絕對再不會相信香港。

Hong Kong is dying, everyone know. 



亦舒說:我要很多很多的愛。如果沒有愛,那麼就很多很多的錢。這個世界有什麼比愛情更重要的呢?錢買不到一個人的愛,也不能讓妳快樂。可後來發現,亦舒說的,句句都是真話。

這個世界只有一種女人能夠活成亦舒,就是有能力主導自己的人生。比起愛情、婚姻和金錢,女人自己才是那個永遠能讓自己笑的那個人。

「大眼妹,可不可以將妳的故事和同學分享?」
「甚至將妳副尊容、三圍尺碼、經歷、工作經驗、戀愛經驗、職場心得、挖空拎曬出嚟,塞落其他同學的袋?」

人生的經驗不可以複製,但愚蠢的是,天下間的父母親都想複製別人的經驗,大眼妹阿媽讀MIT,唔通阿囡又爭崩頭入去讀咩?

愛的時候,轟轟烈烈。走的時候,徹徹底底。平步青雲,無人能擋。

亦舒筆下的女人過著各種各樣的生活,無論是獨立自信的職場精英,還是靠男人吃飯的C9,她們身上都有一個共同點,清楚地知道自己要什麼。因為知道,所以不被情感掌控,允許不合適的人離開,接受合適的人進來。果斷又決絕。


在她們眼裡,男人不過就是「他們」而已。她們知道自己的底牌,更知道這張底牌可以贏一場多大的局。

大眼妹目前這間公司已經是香港兩大FinTech,但這些所謂FinTech同倫敦我們這些、矽谷,同埋隔離新加Bore嗰啲比,都係得啖笑。

上至金融管理局,聯交所,中至銀行,下至支付方式,全部落後人家五年以上,有人認為香港金融法制健全,強於堵塞漏洞,以前成為很多內地金融科企公司劍指國際前的試金石,要衝出世界,必先要試香港,現在,完全冇咁嘅必要,直接劍指倫敦矽谷,一落場就Formula 3。冇人才、冇錢財、冇政策、冇生態圈、推動金融改革?

一日到黑嗌監管監管,以太幣並不屬於証券,你監乜撚嘢管?美國證券交易委員會(SEC)財務部門主管Wiiliam Hinman在六月發表了關於比特幣和以太幣不屬於證券的言論:「當我們思考今天以太坊有多活躍時,至少,我們看到了一個高度分散的網絡,而不是以證券產品為特徵的中心化類型機構。並且補充道:在目前的狀態下,我們看不到監管它的價值。」


執輸行頭,慘過敗家。這裏的同學Big Four,馬上就會飛倫敦,和當地的London Stock Exchange倫敦證券交易所合作,開發區塊鏈平台,抗衡芝加哥期貨交易所,因為CBOE在今年底推出「以太幣期貨合約」,所以,地球上FinTech之都只得一兩個,就是前宗主國英國倫敦、美國矽谷及紐約。

大眼妹走,其中一個原因就是這裡已經和世界脫軌。

我們無時無刻都在尋找經營人才,因為集團是有無數獨立營運的小團隊組成,每個小團隊都是Profit Centre利潤中心,各自營運,有團隊主管負責完成責任,長久以來的經驗告訴我們,團隊如果是好的經營人才,這個團隊就會有希望,有好的結果,可以保證賺錢,甚至賺大錢。

早在2005年,谷歌就正式進入中國,並從微軟請來癌症博士,後來進化成AI先知的李開復以Google全球副總裁的身份負責中國業務,谷歌中國發展到了七百多名員工。 20103月,谷歌宣布關閉中國版網頁搜索服務,將google.cn的頁面轉向香港,只在內地保留了小部分廣告業務。

女人的能力就是她的底牌,大眼妹的就是她的才華。真正有氣質的女,從不炫耀她所擁有的一切,她不告訴人她讀過什麼書,去過什麼地方,有多少件衣服,買過什麼珠寶,因為她沒有自卑。

事實也證明,自己給的才是最大的安全感,一切想要去依靠他人來得到的,總是看上去美好的海市蜃樓,一不小心,就消失在風中,連個影都沒看到。有錢,且是自己有錢,很大程度上,自己給自己建立了天然的安全屏障。躺在自己的房子裡,連M痛都好過一點。

不受他人影響,自己過得還不錯的女人,已經贏了社會上大多數的普通人,無論是物質,還是精神。有品位,懂生活,有熱烈的興趣愛好。因為要知道,能把自己生活過的井然有序的女人,都不是普通人。


這難度系數,絕不低於妥善經營一家Google。包括,核心競爭力,財務狀況,身體狀況,抗風險能力,危機公關能力。

2010年退出中國市場時,谷歌的年度總收入接近300億美元,2017年這個數字超過了1100億美元,增長了約2.7倍;2010Google利潤為85億美元,2017年這個數字約為127億美元,增長僅0.5倍。八年來,谷歌的毛利率從64.5%降到了58.9%,營業利潤率也從35.4%降到了26.1%

20158月,谷歌更名為Alphabet,成立新的公司架構,將谷歌的核心業務與更具實驗性的其他業務分拆開來,時任CEO Larry Page希望,這將使谷歌能夠專注於本職工作,繼續創造出更多廣告利潤,同時更好地推動其他業務向前發展並對財務負責,而其他前瞻性的業務有望最終成為下一個價值數十億美元的業務。

這家2017年度營收超過1100億美元,在海外坐擁605億美元現金,市值超過8400億美元的互聯網巨頭,為何在告別中國八年之後要再次醞釀回歸?

「占叔叔,Singapore邊度DD女最索?最好泡?」
「當然是Zouk,坡妹靚到脚震。」(未完




          Tencent sobe para quinta marca mais valiosa do mundo      Cache   Translate Page      

A Tencent está entrando na lista das cinco maiores marcas valiosas do mundo, segundo relatório da BrandZ Global. A empresa de tecnologia baseada na China foi uma das marcas com maior crescimento no topo da tabela, registrando um aumento de 65% em relação ao ano passado.

O estudo mostra que a Tencent atualmente é a quinta marca mais valiosa do mundo, com um valor total de US$ 178 milhões. E a companhia anunciou nesta quarta-feira (10) que está investindo no Brasil. Ela comprou 5% das ações da Nubank, pelo valor de US$ 200 milhões, o equivalente a R$ 751 milhões.

“Com esta parceira é esperado que a Tencent consolide alguns outros projetos de extensão de novos produtos e serviços, alinhados com o propósito da marca, e com uma maior solidez, muito semelhante ao que fez recentemente o XP investimentos, quando recebeu um aporte do Itaú. São as fintechs crescendo”, informa Eduardo Tomiya, CEO da Kantar Consulting para América Latina .

Outra surpresa está no topo da lista. A Google encabeça o pódio das marcas mais valiosas, avaliada em US$ 302 milhões. A Apple aparece em segundo com pouca diferença: US$ 300 milhões. Na sequência aparecem Amazon (US$ 207 mi) e Microsoft (US$ 200 mi).

Veja a lista dos 10 primeiros colocados globalmente:

Tencente e Alibaba aparecem entre as 10 primeirias (Arte e fonte: Brandz)

No ramo de varejo e vendas, duas gigantes mostram a sua força. A Amazon, na terceira colocação teve crescimento de 49% em valor de marca comparado com o ano passado. Já a Alibaba, líder do varejo na China, quase dobrou seu valor em um ano, com crescimento de 92%.

A chinesa também figura na lista dos maiores crescimentos, atrás apenas da JD.Com, também voltada a vendas online. Outras gigantes como PayPal (+85%), Netflix (+73%) e Tesla (+54%) estão na lista das marcas com maior crescimento entre 2017 e 2018.

Lista mostra marcas que mais cresceram em 2018 (Arte e Fonte: Brandz)

O setor de vendas foi o que mais demonstrou crescimento em marcas, com aumento de 35% em relação ao ano passado, seguido por seguros (34%) e tecnologia (28%).

No total, as 100 marcas listadas somam um total US$ 4,4 trilhões.


          Tencent part à la conquête de la fintech brésilienne      Cache   Translate Page      
Le géant chinois entre au capital de la start-up Nubank, son premier investissement au Brésil.
          Toward a more inclusive fintech industry      Cache   Translate Page      
Promoting diversity must go beyond putting women in the C-suite. It’s about creating products and practices that help support and elevate those who tend to be overlooked.
           KriptoTR (Finance)      Cache   Translate Page      

KriptoTR 5.4.2


Device: iOS Universal
Category: Finance
Price: Free, Version: 5.4.2 (iTunes)

Description:

KriptoTR, bitcoin ve fintech konularında haber, eğitim, tartışma, destek veren bir mobil forum platformudur.

KriptoTR


          UPDATE 1-Natixis exploring possible takeover of French fintech firm Ingenico - Bloomberg      Cache   Translate Page      
Natixis SA's payments business is exploring a potential takeover of the $4.6 billion French fintech company Ingenico Group SA, Bloomberg reported on Wednesday.

          Natixis exploring possible takeover of French fintech firm Ingenico - Bloomberg      Cache   Translate Page      
Natixis SA's payments business is exploring a potential takeover of the $4.6 billion French fintech company Ingenico Group SA, Bloomberg reported on Wednesday.

          OpenClose Launches RESTful API Suite, Expanding Connectivity to Third Party Applications and Services      Cache   Translate Page      
WEST PALM BEACH, Fla., Oct. 10, 2018 (SEND2PRESS NEWSWIRE) -- OpenClose, an industry-leading multi-channel loan origination system (LOS) and mortgage fintech provider, announced the release of a RESTful API suite designed to offer its customers an easier, more cost effective and secure standardized solution to enable rich and deep direct interactions with their system of record from third party and home grown systems.


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