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          Fintech Profile: Molo Finance      Cache   Translate Page      
(EMAILWIRE.COM, November 07, 2018 ) Molo is a direct-to-consumer digital mortgage platform in the UK. Scope The report provides information and insights into Molo Finance, including - - Overview of the company and its product offering - Detailed insight into its business operation, technology,...
          Blog Post: Ex-Fintech Fund CEO To Testify In $40M Investment Row      Cache   Translate Page      
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          11/4/2018: News: Fintech payments firm PIP plans expansion after €1m fundraising      Cache   Translate Page      

INTERNATIONAL payments company PIP IT will triple its headcount over the next 18 months after securing over €1m in funding. The Galway-headquartered business, which allows migrants to pay bills and transfer money overseas at much cheaper rates,...
          Forum FinTech Canada 2018 : L’aube d’une révolution des services financiers      Cache   Translate Page      

FinTech Mtl 2018 - Photo d'une personne qui utilise une application financière sur son téléphone intelligentInvestissement Québec était de la 6e édition du Forum FinTech Canada qui s’est déroulée au Palais des congrès de Montréal du 29 au 31 octobre dernier.


          91 Fintech Modern Icons      Cache   Translate Page      
91 Fintech Modern Icons

**DOWNLOAD LINK** https://creativemarket.com/Flat/3122836-91-Fintech-Modern-Icons?u=KVArts

The modern world is welcoming the fourth iteration of Industrialism with the advent of technology. From IoT, platforms that makes it easier to do anything with a touch of a button, and financial technology. Also called fintech, it is a new, modernized way for people to basically handle their money. Now people can use their fiat currency to do what used to take time in an instant!

Introducing the 91 Fintech Modern Icons to you! These icons can be used to do whatever you want, from inspiration, designs, offline or online marketing, apps, and even websites. For modern icons, look no further! We are sure to have everything you need.


           金融科技2B赋能者的核心竞争力       Cache   Translate Page      

经过持续一年多的发酵,金融科技2B赋能已经演变成行业新常态。无论是蚂蚁金服、腾讯、度小满、苏宁金融等互金巨头,平安银行、兴业银行、建设银行等银行巨头,还是简普科技、品钛等创业型机构,都在金融科技开放赋能方面取得了各自的成功。

那么站在被赋能者的视角,什么是2B赋能者的核心竞争力呢?

金融流量:规模的边界

对于被赋能的机构而言,加入一个开放平台,成为生态圈的一部分,得以共享生态圈内的资源,间接获得一种跨界连接能力。以这种跨界连接能力为桥梁,嫁接多方资金、多元资产和各类解决方案,便是开放平台对被赋能者最大的吸引力。

对资金丰裕的持牌金融机构而言,开放平台的第一个吸引力在于金融流量,金融流量可以直接带来业务规模,一定程度上,开放平台的流量边界决定了持牌机构业务规模的想象力边界。

当前的开放平台搭建,巨头通常承担着生态协调员的角色,巨头自身的流量能力决定了开放平台的流量边界。就金融流量而言,具体分析如下。

支付是最高频的金融行为,第三方支付的市场份额,可以在一定程度上反映巨头们的金融流量。在这方面,目前支付宝的流量优势最显著,腾讯金融次之。易观数据显示,2018年2季度国内移动支付交易规模39.3万亿元,支付宝以53.62%的市场份额位居第一,腾讯金融占比38.18%,平安壹钱包为1.4%,百度钱包和苏宁金融(苏宁支付)则分别为0.3%和0.26%。

支付市场占比

几乎所有金融行为都以支付为起点或终点,支付交易的背后,对应着借款人,也对应着投资者,反映的是综合性金融流量。就消费金融而言,支付流量固然是最优质的流量来源,然而整体上看,贷款流量的来源要广泛得多,如贷款超市、资讯类APP、手机APP应用商店、线上线下的消费场景、搜索场景等,几乎任何有流量的地方,就有贷款流量。

若单纯看贷款流量,360金融在招股说明书中公布了Oliver Wyman公司的一组数据,即在有互联网技术巨头支持的线上信贷平台里,以2018年Q2放款额来看,前两大平台分别为蚂蚁金服和微众银行(腾讯)。

以上,可作为巨头金融流量能力的一个佐证。

对持牌机构而言,流量事关规模,而风控则事关生死。

若控不住风险,做得越大,亏得越多,得不偿失。尤其是资金方独立承担风险的行业趋势下,更是如此。举个例子,单说流量,贷款超市流量就很大,但因为风险不可控,对持牌机构而言,吸引力有限。

所以,除了评估流量获取能力,还要看开放平台的金融风控能力。

金融风控:损失的边界

相对于金融安全,金融风控是个子概念,特指业务层面的风险防控,具体又可分解为账户安全、交易反欺诈、营销反欺诈、骗贷防范、信用风险评估等多个层面。要识别2B赋能者的风控能力,机构自身的宣传仅供参考,我们需要一些外围的观察指标。

一是历史不良率数据。不良率是机构风控实力的综合反映,但不良率的口径太多,且不同底层资产对风控能力要求不同,以不良率来衡量风控能力,需要擦亮眼睛,很多时候,直接比较绝对值的高低都有失偏颇。

举例来说,面对不良率2%和5%两个数字,既要看口径,是期末余额不良率(delinquency rate by balance)还是特定时间段发放贷款不良率(delinquency rate by vintage),是M3(逾期90天以上)还是自定义(可以是平台指定的各种口径),不同的口径不具有可比性;更要看底层资产类型,不同资产的收益率差异很大,直接对比不良率没有意义,比如银行的不良率低于互金机构,不能得出银行的风控能力强于互金机构的结论,因为资产类型不同。

就几个巨头来看,蚂蚁金服系的网商银行、腾讯系的微众银行以及苏宁金融等,公布或公开认可的不良率水平均在1%以下,其中,网商银行客户群体多为小微企业,是传统认为不良更高的群体,其仍能保持较低的不良率,单看数字,这些巨头的风控实力在行业内处于第一梯队。

二是自有场景和自有数据。如果说不良率是易被打扮的小姑娘,那么不妨把自有场景和自有数据作为衡量巨头风控实力的佐证。

大数据风控以场景和数据为基础,场景本身就是风控的一部分,而自有场景产生的自有数据也代表着差异化的风控能力。

说到场景和数据,几个巨头各有千秋。

蚂蚁金服胜在金融和交易场景,一面背靠阿里的电商场景(月活跃用户6.66亿),一面则坐拥支付宝这个优质的金融流量入口(年度活跃用户超过7亿),旗下信用产品——芝麻信用一度是个人征信领域最有力的竞争者;

腾讯则胜在社交流量,坐拥微信(月活跃用户超过10亿)和QQ两大社交流量入口,掌握了最丰富的社交数据;

百度占据搜索场景,以多元维度数据见长,旗下磐石一站式风控平台,据称建了一张170亿个顶点、700亿条边的关联网络;

此外,苏宁金融背靠苏宁易购线上线下的全渠道服务能力等,也有自己的优势。

其实,除了在风控层面的应用,在智能营销和智能运营等方面,多元的丰富数据也是核心竞争力。比如在客户营销过程中,面对海量、多维、异构的客户数据,金融机构自身缺乏完整的用户画像和标签建设能力,很难准确透视、评估和发掘用户数据价值,无法形成精准的用户洞察,此时就需要借助巨头们的多元数据补足短板,提升精准营销的效果。

三是欺诈风险防控能力。在互联网金融领域,从骗贷、账户盗、刷库攻击用到刷单、虚假申请、虚假注册等,欺诈风险是可以比肩信用风险的存在。据统计,当前黑产从业人员达到200多万,是国内第三大黑色产业,反欺诈能力也成为衡量机构金融风控实力的核心指标。

反欺诈第一道防线是基于名单过滤的身份认证,既包括黑灰名单,也需要可信设备、可信用户的白名单积累。黑名单通常可以通过行业共享数据库的方式获取,而白名单则涉及各家的商业机密,需要在业务中自行积累。一般情况下,业务场景越丰富、规模越大,白名单数据量越多,越有助于提升反欺诈效率。名单过滤后,反欺诈考验的是各方的实时风控和模型进化能力,反映的是金融科技综合实力。公开资料显示,蚂蚁金服此前凭借反欺诈能力成为获得国家科技奖的唯一互联网企业;腾讯云天御反欺诈累计发现恶意互联网金融行为超过四千万次,挽回损失超过一千亿元。 

科技实力决定细节,细节决定成败

B端赋能,本质上是一种服务,任何服务,都是细节决定成败,更何况是科技服务。在我看来,至少要做到以下几点:

一是在数据安全与用户隐私保护上,让B端客户放心。在金融科技赋能过程中,双方的数据共享是基础和前提,但数据是金融机构最宝贵的财富甚至涉及商业机密,能否做到数据共享与数据保护的兼顾,即实现数据可用不可见,成为考验B端赋能者服务能力的第一道门槛。

以联合营销为例,几乎每一步都涉及到数据共享与数据安全的两难选择。首先,需要双方进行用户ID碰撞确定交集用户,其次,需要结合双方的用户标签数据对交集用户进行模型训练,最后,将经过训练后的模型和策略在数据源方部署落地。在整个过程中,无论是用户ID数据、用户标签数据还是精准营销的策略,都是机构不愿意共享的信息,但为了联合营销的效果,又不得不分享出来。

在实践中,这考验的是巨头在区块链、加密技术、分布式架构等底层金融科技方面的实力。以蚂蚁金服为例,为解决上述难题,基于区块链、密码学等相关技术,打造蚂蚁摩斯安全计算平台,可以在数据合作各方数据不出库的前提下实现数据安全求交集,支持数据脱敏和匿名化操作,在应用过程中,确保数据最小化利用原则,以最大程度保障数据隐私安全。苏宁金融基于区块链的黑名单共享系统,在金融反欺诈方面,也实现了类似效果。

二是系统与模型是否经过业务场景验证。在机器学习时代,模型是可进化迭代、是有生命的,这种生命力来源于业务场景的验证与洗礼。对巨头而言,自己下场做过业务且能力一流,开放出来的解决方案才能帮助被赋能者少走一些坑。比如说营销反欺诈,自己都没被薅过羊毛,怎么可能为B端金融机构提供金融级的反欺诈解决方案呢?

从业务实践来看,BAT、苏宁金融等都有着丰富的自营业务线,以蚂蚁金服为例,在银行、基金、保险、支付、消费金融、微商金融等领域沉淀了丰富的应用建设能力和业务运营能力,其打造出来的营销、风控、客服等产品模块,才会更具业务契合度。

三是在使用便捷性上,尽可能地进行人性化考虑。很多时候,模型是不懂技术的业务人员使用的,举例来讲,由于不会写SQL命令,业务人员需借助技术人员帮助进行数据提取和分析,难以及时发现数据的异常波动等,影响业务敏捷度。

如何解决大数据分析决策应用过程中的最后一公里难题呢?模型的可分析、操作的可视化等细节就非常重要。

四是提升B端客户的C端用户体验。金融业务的C端竞争愈发激烈,获客难、获客贵已是行业性难题,对于B端赋能者而言,提升B端客户的C端用户体验,已经成为重要的约束条件。

举例来说,联合营销解决方案中,能否避免对用户的无谓打扰;智能风控解决方案中,能否及时识别优质用户,并在注册、登录、活动、授信等方面给予极简的使用体验。这背后,考验的其实还是综合实力。

再比如,B端机构接入的场景越多,C端用户的体验越好。招行在掌上生活APP运营中坚持做用户的“饭票”和“影票”,便是这个道理。问题是,市场中餐饮、影院、生活缴费等资源跨区域、分散,整合成本和后期渠道维护、运营成本均很高,B端赋能者能否为B端机构提供一键接入服务呢?BAT各自力推的小程序,便具备这个潜力。

2B赋能,或是开启产业互联网时代的前奏

对于B端被赋能者来说,在损失边界得以保障的前提下,如何尽可能提升金融场景的覆盖和金融流量的触达,成为最重要的考量因素,也是行业参与者蚂蚁金服、腾讯金融和苏宁金融们着力追求并具备优势的。

最后,站在整个互联网产业演变的层面来看,金融科技公司的2B赋能,也可视作是消费互联网向产业互联网转型大潮在金融领域的体现。

前几日,马化腾曾在公开信中道出腾讯组织架构调整的原因:6年前的体系架构已经不适用于今天的互联网环境,接下来腾讯将扎根消费互联网,拥抱产业互联网。这厢,2C基因的腾讯开始拥抱2B,另一边,兼具2C和2B基因的阿里,也是早早开启了赋能B端产业的探索。

2015年,阿里巴巴启动了中台战略,打造“大中台、小前台”机制,打破数据孤岛、整合内部资源,形成一体化运维能力,并在此基础上开启了新零售、新制造、新金融、新技术、新能源的五新战略。举例来说,自2015年9月至今,以蚂蚁金服为主体,便先后启动了互联网推进器、春雨计划、谷雨计划、生态合伙人计划、码商成长计划、凡星计划、支付宝小程序STS计划等十余项生态开放计划。

苏宁作为零售巨头和产业巨头的代表,其物流能力、电商能力、零售能力、O2O服务能力、金融科技能力等也都相继实现了开放。

在金融2B赋能领域,巨头们都是全能型玩家,无论是在金融流量、金融安全还是在业务场景、细节体验等方面,都处于行业领先位置,如蚂蚁金服,各方面的优势都很明显,而腾讯、度小满、苏宁金融等巨头也都实力不俗。

不过,在2B产业互联网的大潮下,金融领域的2B赋能或许只是一个开端,2B赋能者的核心竞争力,除了比拼金融科技实力,很大程度上还将取决于大家对产业互联网的理解与实践。

未来已来,我们拭目以待。


          NEC Showcases Biometrics and Blockchain Technologies for the Financial Sector at the Singapore FinTech Festival 2018      Cache   Translate Page      
NEC Corporation (TSE: 6701) and NEC Asia Pacific announced today their participation in th...
Finance Cryptofinance Blockchain daily news

          Még lehet jelentkezni az MKB Fintechlab 2019-es, harmadik inkubációs programjába      Cache   Translate Page      
Az MKB Bank által létrehozott MKB Fintechlab 2016 és 2017 után 2018-ban is nemzetközi inkubációs programjába...
          EJ Legal Limited: Fintech Junior Counsel      Cache   Translate Page      
Competitive Salary: EJ Legal Limited: A leading fintech company based north of London is looking to grow their legal team with a brand new hire in their regulatory team.  In this role y... Hertford
          Head of DevOps - FinTech - Baltics - Relocation paid!      Cache   Translate Page      
Head of DevOps - FinTech - Baltics - Relocation paid! - Sonstiges

A very exciting opportunity has come about for a world class Head of DevOps to join a disruptive FinTech organisation, formed by a recent merger and making them one of the largest in the Baltics. Their ambition is to create a new generation bank to serve entrepreneurial people and local companies in the Baltics.

The successful Head of DevOps will be a seasoned professional with international experience, and responsible for architecting and building the entire CI/CD pipeline from scratch, and working closely with numerous Scrum teams to get things in place for initial releases early next year.

This role is very unique in the sense that you will have a blank canvas, and the deciding say on what technologies are used to get this exciting greenfield project into production. You will be technically hands on' with in-depth experience as a DevOps specialist as well as proven leadership and management skills.

Essential skills

  • Passionate about DevOps, Agile, and installing DevOps culture
  • Solid experience building a delivery pipeline from the ground up
  • Strong experience setting up and configuring CI tools - Jenkins, Bamboo
  • Strong experience with multiple environments, Cloud and on-prem
  • Setting up Source Code Repositories - BitBucket, Git, SVN
  • Strong Scripting skills - Python, Bash, Ruby
  • Strong knowledge of configuration tech - Puppet, Ansible, Chef
  • Good understanding of Containerisation - Docker, Kubernetes
  • Innovative, creative, and curious mindset, with ability to inspire others
  • Excellent communicator with strong leadership skills
  • Excited about travelling across the Baltics

Desirable

  • Financial Services experience
  • Exposure to tools such as Jira and Confluence
  • Experience working with Architecture and API integration teams to continuously improve architectural design

Awesome opportunity to really put your stamp on something big and very innovative, so please get in touch ASAP to be considered.

    Firma: Cloudstream
    Job-Typ: Andere
    Gehalt: EUR 150.000 / Jährlich

          不如大家夾份起層樓?      Cache   Translate Page      

想像一下:十年前,妳出自由行在日本東京四處找酒店住,這時網上一個素未謀面的陌生㗎仔把自己家裡的客房圖片貼出來,明碼標價讓妳去他家住,妳是不是覺得這人簡直瘋了?這人是不是色狼?

這就是今天Airbnb在做的事情。

如果我們說第一代共用經濟是UberAirbnb、第二代是WeWork,前者讓人們把自己屋企、汽車拿出來給陌生人享用,後者把封閉的辦公室變成了共享的、開放的辦公室 ,那麼第三代共用經濟是什麼呢?

既然能共用家、共用公司,為什麼不能共同興建房產呢?這就是一家英國互聯網金融公司Shojin在做的事。有趣的事,這不是一家新的StartUp,過去九年在倫敦蓋了十二層樓。

Shojin
做的就是把真實生活中的資產放到互聯網金融眾籌平臺,直接把產權用債券或其他合約分給各個人,讓小額投資者既能坐享資本增值的利好。

在英國,19%的眾籌資金都跑向房地產,僅次於科技產業的29%。香港號稱全球金融市場,FinTech落後倫敦、日本10年以上,不約而同,日本的Loadstar Capital同樣是以Crowdfunding眾籌起樓,並於2017928日在日本東京交易所IPO

這兩間完全沒有關係的英國、日本公司能夠迅速在互聯網世界崛起,主要的原因包括:


1. 
承建商/發展商透過眾籌的方式可以比傳統銀行借款或是發行股份更較有彈性。
2.  多數提供眾籌的平臺本身也都有承建商/發展商的背景,所以投資人可以在這些平臺得到專業服務和透明的訊息。
3.  提供合理的報酬/風險。
4.  平臺提供一般民眾機會用小金額去參與興建案的投資。

5.  相對於一般買房或是建後回租的投資,類似Shojin這樣的眾籌投資計劃,清楚加上投資期限不長,又沒有太多維護之類的額外費用,投資人樂於參與。

到底是什麼?具體說來,這類眾籌公司在做以下三件事情:

第一,資產拆分。其實ShojinLoadstar這類公司不是做簡單的買賣房產,而是做資產的拆分。以往,只有特大資產才能透過房地產信託投資基金(REITs)的手段,達到實物房地產資產證券化的目的。

這兩個概念非常不一樣:舉個例子,一棟樓或者商業地產,可以拆成 30%留給業主或管理公司、債權銀行,而剩下的30%就可以拆給不同人去買。拆分不動產的好處?自然是降低投資者進入門檻。這樣,更多人可以根據自己的情況,參與到不同的不動產投資裡。

第二,把所有資產的許可權和收益透明化、互聯網化,把一些原來不透明的東西變得透明了,包括產權、資產回報率等。

第三,提高資金流動性(Liquidity)。假設投資者買了1%的房產,傳統方式下,投資者在投資前要實地看房、要講價,非常耗時耗力;而現在,投資者只要覺得這是優質資產、盈利潛力高、年化收益好,就可以參與投資。

這就是為什麼不僅僅是起樓、眾籌這麼簡單,而是讓不動產「動」起來,變成一種可以投資的理財產品。

其實有此想法的房產基金也不在少數,但房產基金的超高門檻使得很多投資者很難參與進去。而我所做的,正是降低參與門檻,使更多有意投資不動產的人能更方便地參與進來。

一個人拿不出全部的錢?沒關係,可以和其他對同一個項目有興趣的投資人通過眾籌起樓,每人根據比例擁有一部分產權。

創辦人背景
Shojin Property Partners
是一家英國房地產發展項目眾籌公司,總部位於倫敦,創辦人Jatin Ondhia, Sandeep Puri都曾在瑞銀(UBS)及跨國地產集團工作過,擁有著房地產投資的專業知識和豐富經驗,其共同的目標就是革新房地產投資模式,降低房地產投資門檻,將房地產與IT技術相結合,引入房地產技術,以對舊房地產交易進行革命,讓投資者有機會以5000英鎊,與房地產投資經驗豐富的專業人士一同投資,以獲得類似於發展商的回報。
大多數投資者只關注一手樓市場,主要是因為他們沒有獲得房地產發展項目的機會、知識及門路。


Shojin成立於2009年,截到201712月,在英國共發起了12多個項目,其投資範圍覆蓋了倫敦1, 2區,投資類型多為公寓、住宅物業投資的發展項目,其眾籌平臺募集資金總金額為大約1500萬鎊,累計投資額已達到大約1億英鎊,投資年均收益率為大約15%~38%,貸款期限為12個月至36個月。這類公司在英國受金融行為監管局(Financial Conduct Authorities)監管。投資者的利益受到每個項目盡職調查水準的保護。每個投資機會都是由其專家團隊精心挑選的。只有最合適的項目才能通過三重盡職調查。Shojin有一個非常有經驗和有資質的團隊來進行徹底的盡職調查。監督每個項目,直到完成。

這個過程很簡單:在Shojin英國創建一個賬戶並成為會員。一旦你是成員,你將會獲得一般公眾不可見到的機會。當你找到一個有吸引力的項目機會時,只要仔細閱讀對項目的資訊,如果樂意繼續下去,就可以投資。然後可以等待團隊的定期更新,全程手機搞掂,目前正在進4個項目,已經籌集了超過2500萬英鎊的項目,發展價值超過6億英鎊。

Loadstar capital
是日本第一家的房地產眾籌公司,由岩野達志、森田泰弘、中川由紀子共同創立的,三人都曾在高盛日本房地產公司工作過,該公司成立於2012年,起初僅限於房地產諮詢業務,而後業務範圍不斷擴大,從諮詢業務到房地產經紀業務到自營投資業務再到房地產眾籌業務,截止到20176月,該公司共發起了64多個項目,其投資範圍覆蓋了東京23個區,投資類型多為公寓、住宅物業、寫字樓和商業設施投資,該眾籌平臺募集資金總金額為26.77億日元,累計投資額已達到21.857億日元。並於20179月在東京證券交易所的成長板市場(the Tokyo Stock Exchange Mothers market)完成IPO


Loadstar2014年獲得中國科技公司人人網的注資,目前該公司的資本金為11.69億日元,與三井住友銀行、瑞穗銀行、東京三菱UFJ銀行、三菱UFJ信託銀行、三井住友信託銀行有限公司等8家銀行建立了合作關係。

這兩間在地球兩端,完全無關的公司均致力於將房地產投資與IT技術相結合,通過大數據等資訊技術,革新房地產投資模式。

我們處在一個行業快速升級和變遷的時代,世界的未來不在我們所熟知的舊世界股票上,而是許多名不見經傳的高科技、服務業、數據以及媒體產業等新世界公司。如果投資人只會墨守成規式地根據價值投資,當然賺不到什麼錢,那種老套的「價值投資法」,好像在目前的投資世界已經不適用了

目前該平臺上運作的專案主要是中小規模房地產投資交易,以夾層貸款和貸款的方式為專案募集資金。通過這一平臺,Loadstar Capital希望個人投資者可以像機構投資者一樣進行房地產投資。

截至20182月底,全球獨角獸俱樂部共有230家企業,總市值達到9714億美元,其中有113家獨角獸企業位於美國,佔到全球獨角獸企業總數的49% ,強國以62家獨角獸企業緊跟其後。這些Unicorn總共吸走了2026億美元的資金,以最後一輪股東加往作為公司的估值,總估值是9714億美元,約是現金投入的五倍,即是一賠五。

地球上一切獨角獸企業,往往都解決了5個關鍵問題。
  • 輕資產
  • 超體驗
  • 高效率
  • 解決底層需求

一點一點解構:

輕資產
什麼是輕資產模式?說到這個,我們來看看李嘉誠。超人就是「由重轉輕」的典型例子,長江商業地產的主要產品是城市綜合體,產品模式就是建設一個大型廣場,旁邊配套建設一些寫字樓、商鋪、住宅、百佳、屈臣氏等,把配套物業進行銷售,用銷售產生的現金流投資持有的,這種模式是重資產。

而輕資產則是在投資建設下一個商場或住宅項目中,全部資金由別人出。Shojin, Loadstar參予選址、設計、建造、招商、管理、推廣、融資、發債,共同投資,所產生的收益與投資方按一定比例分成。

這就是輕資產化。

在工業時代,能源、鐵路等重資產行業是寵兒,而在互聯網時代,輕資產才是關鍵,工業4.0生產也走向了智慧生產、精益生產和柔性生產。對企業最重要的資產,可能已變為流量、入口和大數據。

超體驗
如果面對的是最終端的使用者,體驗也是一個非常重要,更好的體驗不僅體現在服務上,還有設計,以及流程等方面。

創業之初,Uber設計了可以自動從信用卡扣款的模式,使用者在抵達目的地時,不必再付款,直接落車。用戶獲得了意外的驚喜和便利,給它們帶來了大量的新用戶。近幾年,各類支付軟體的興起,很快就搶奪了用戶入口,成功就是體現在流程的優化上,給用戶提供了便捷,省去了刷卡等一系列繁瑣的程式。

高效率
從經濟學來看,無論是一個國家和地區的經濟發展水準,還是個人收入水準的提高,最終都要靠勞動生產率的提高,也就是效率要提上來。人工智慧、大數據等技術的興起,從本質上是帶來了效率的提升。

解決底層需求
底層需求,也就是我講了多年的,衣、食、住、行、社交、安全,等等。在獨角獸企業裡,無論是互聯網金融、高端製造、雲端服務、出行、餐飲服務等,其最終目的主要是還是為了滿足這些底層需求。輕資產、超體驗、高效率,解決底層需求,網路效應才是未來公司的核心價值。

不同的行業和實現方式只是手段,很多獨角獸企業創業之初的靈光來源,就是看到現實的這些底層需求,還有改進的空間。

未來的公司都將是數據運營的公司,能否以新的體驗,個性化的服務,獲得大量的使用者和資料,將最終決定一家公司的成敗。作為新物種的獨角獸企業有著跟一般企業明顯不同的基因,以新的技術和新商業模式為基點,有著鮮明的特徵。

在經濟增速下滑、實體經濟不振的今天,新經濟的增長動力。創業者和企業管理者,透過它們,我們可以看到新生企業的增長動力究竟是什麼,對不同的企業也有著重要的參考價值。
















          P2P-Zahlung: Mit Cashlink verabschiedet sich das nächste Startup vom Payment-Service      Cache   Translate Page      
Das Frankfurter Fintech Cashlink plant einen radikalen Richtungswechsel: 2019 will es eine Blockchain-Plattform für Startup-Anteile eröffnen.
          Fintech Career Fair – BLOCK71 Jakarta, 17 November 2018      Cache   Translate Page      
BLOCK71 Jakarta Career Fair is back! You are invited to attend our next Fintech Career Fair to be held at BLOCK71 Jakarta on Saturday 17 November 2018, 10 am to 3 pm. Employers Exhibiting: Ovo Xendit...

          SA start-up offers Airbnb hosts cash advance      Cache   Translate Page      


Jozette Chetwynd-Palmer, AirAdvance founder and Airbnb host. Local fintech start-up, AirAdvance, has...


          Lizzie Chapman to talk about building a fintech startup in India at Disrupt Berlin – TechCrunch      Cache   Translate Page      
TechCrunchFintech startups are growing rapidly in Europe. But it doesn’t mean that the fintech revolution is limited to Europe. That’s why I’m glad to announce that Lizzie Chapman from ZestMoney is coming to TechCrunch Disrupt Berlin to talk about her unique … …read more Source:: Startup Tech News From Google News
          Principal Software Engineer / Java / Fintech      Cache   Translate Page      
CA-IRVINE, This company has made a reputation for itself in Orange County as a consumer credit reporting agency. The company in question collects and aggregates information on over one billion people and businesses including 235 million individual US consumers and more than 25 million US businesses. They help individuals take financial control and access financial services, businesses make smarter decision a
          Growing fintech opportunities emerges from banking review      Cache   Translate Page      
Press Release – Make Lemonade While the results from the review by the Financial Markets Authority (FMA) and the Reserve bank could have been more positive, New Zealand banks have been looking at options to improve customer experience and embrace the fintech community which is great for all Kiwis, FintechNZ general manager James Brown says. […]
          Dampak Buruk Pinjaman Online, Bikin Konsumen Trauma hingga Ingin Bunuh Diri      Cache   Translate Page      

Liputan6.com, Jakarta - Maraknya platform pinjaman online berbasis aplikasi, dapat mempermudah masyarakat untuk meminjam melalui kecanggihan teknologi.

Kendati demikian, menurut laporan masyarakat yang diterima oleh Lembaga Bantuan Hukum (LBH) Jakarta, platform pinjaman online atau pinjol ini telah melanggar hukum yang ditetapkan.

Menurut LBH, sekitar 283 korban pinjol telah mengadukan berbagai bentuk pelanggaran hukum. Mengutip situs web resmi LBH Jakarta, Rabu (7/11/2018), kasus pinjol sudah meluas sejak Juni 2018, salah satunya adalah cara penagihan pinjaman online kepada konsumen yang tidak dipatut dilakukan.

Berdasarkan pengaduan tersebut, LBH Jakarta mendapati temuan awal sebagai berikut:

  • Penagihan dengan berbagai cara mempermalukan, memaki, mengancam, memfitnah, bahkan dalam bentuk pelecehan seksual;
  • Penagihan dilakukan kepada seluruh nomor kontak yang ada di ponsel konsumen/peminjam (ke atasan kerja, mertua, teman SD, dan lain-lain);Bunga pinjaman yang sangat tinggi dan tidak terbatas;
  • Pengambilan data pribadi (kontak, sms, panggilan, kartu memori, dan lain-lain) di telepon seluler (ponsel) konsumen/peminjam;
  • Penagihan baik belum waktunya dan tanpa kenal waktu;Nomor pengaduan pihak penyelenggara pinjaman online yang tidak selalu tersedia;
  • Alamat kantor perusahaan penyelenggara pinjaman online yang tidak jelas;
  • Aplikasi pinjaman online yang berganti nama tanpa pemberitahuan kepada konsumen/peminjam selama berhari-hari namun bunga pinjaman selama proses perubahan nama tersebut terus berjalan.

Permasalahan-permasalahan yang merupakan temuan awal tersebut membawa dampak yang tidak ringan. Akibat penagihan ke nomor telepon yang ada di ponsel, peminjam menjadi di-PHK oleh perusahaan tempatnya bekerja, diceraikan oleh suami/istri mereka (karena menagih ke mertua), trauma (karena pengancaman, kata-kata kotor, dan pelecehan seksual).

Akibat bunga yang sangat tinggi misalnya, banyak peminjam yang tidak mampu membayar akhirnya frustasi, mereka kemudian berupaya menjual organ tubuh (ginjal) sampai pada upaya bunuh diri.

Oleh karena itu, LBH telah membuka pos pengaduan pinjol mulai 4-25 November 2018, yang dilakukan secara online melalui situs resmi LBH Jakarta.

Pengaduan dapat dilakukan dengan mengisi formulir di situs web LBH Jakarta, dengan menyertakan bukti-bukti terkait.

Pembukaan pos pengaduan dilakukan untuk mengetahui lebih dalam tentang permasalahan-permasalahan terkait pinjaman online.

Atas pengaduan yang telah dibuat, para pengadu selanjutnya akan dihubungi oleh LBH Jakarta untuk menentukan langkah selanjutnya atas permasalahan-permasalahan yang ada.

Tanggapan Asosiasi

Ilustrasi penggunaan smartphone. (Doc: Mashable)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Menanggapi hal itu, Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) sebagai asosiasi resmi bagi para penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi (fintech) memastikan perusahaan yang memiliki debt collector tersebut bukan bagian dari anggotanya.

Wakil Ketua Umum Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI), Sunu Widyatmoko, mengatakan 73 perusahaan fintech pendanaan yang mendapat izin dari OJK tak memiliki cara penagihan seperti yang diberitakan.

"Mereka itu adalah penyelenggara pinjaman online ilegal yang tidak terdaftar OJK dan bukan anggota asosiasi. Kalau ilegal, maka tugas penegak hukum yang harusnya menangani. Hal-hal seperti ini jangan sampai merusak industri yang sudah kita bangun," kata Sunu di Office 88, Jakarta, Selasa (6/11/2018).

Tak hanya mengkritisi perusahaan yang melakukan penagihan secara tidak manusiawi, Sunu juga mengkritisi cara nasabah yang hingga memiliki pinjaman hingga ke sembilan perusahaan fintech pembiayaan.

Ia menceritakan, setiap perjanjian pinjaman, pihak perusahaan dan calon peminjam sudah terinformasi dan sepakat mengenai berapa dana yang akan cair, berapa bunga yang harus dibayarkan.

"Memang menurut saya ada upaya mereka ingin menghindari kewajiban pinjaman yang mereka terima. Orang-orang ini bukan tidak mampu bayar tapi dari awal niatnya memang sudah ngemplang," tegas Sunu.

 

AFPI Akan Perkarakan Masalah Ini

Ilustrasi Fintech. Dok: edgeverve.com#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Pada kesempatan sama, Dino Martin selaku Ketua Bidang Pendanaan Multiguna AFPI menambahkan, mengenai perusahaan yang melakukan penagihan di luar batas tersebut, meski tak menjadi anggotanya, akan diperkarakan.

"Meski tak menjadi anggota, kita akan kirimkan surat, kalau perlu kita bantu untuk pelaporan ke polisi. Asosiasi ini ada untuk terus mengawal membangun industri yang baru ini. Kalau ada hal seperti ini kan sama saja apa yang sudah kita bangun ini rubuh begitu saja," Dino menambahkan.

Di dalam asosiasi pun, Dino mengaku proses penagihan ini menjadi satu hal yang wajib disampaikan kepada para anggotanya baik secara formal ataupun personal kepada masing-masing pemiliknya.

(Vivi Hartini/Isk)

Saksikan Video Pilihan Berikut Ini


           28家上市银行Q3收官,上海银行、江阴银行、成都银行营收增速较快       Cache   Translate Page      

随着28家上市银行三季度报全部“官宣”,银行前三季度的业绩展露无遗,整体来看,银行前三季度业绩呈现稳定增长态势。

中信建投证券研报显示,28家上市银行前三季度营收同比增长7.99%,归母净利润同比增长6.91%。

其中,上海银行、江阴银行、成都银行营收增速位居上市银行前三位,分别是29.5%、28.7%、28.6%。另外,部分中小银行归母净利润表现超预期。

《每日经济新闻》记者注意到,利息净收入对业绩的拉动明显。其中,净息差和贷款规模对于业绩贡献度较高。28家上市银行整体净息差为2.17%,较2018年上半年高出0.17个百分点。前三季度,上市银行贷款余额为82.65万亿元,同比增长10.4%,较上半年上升0.8个百分点。

值得一提的是,截至2018年9月30日,28家上市银行整体不良率为1.54%,大部分银行资产质量转好。拨备计提比率较上半年增加3个百分点至198%。

上市银行业绩稳定增长

中信建投证券研报显示,28家上市银行前三季度营收同比增长7.99%,归母净利润同比增长6.91%。从银行类型来看,以股份行和农商行反弹力度最大。

具体来看,上海银行、江阴银行、成都银行营收增速位居上市银行前三。截至2018年9月30日,上海银行实现营收316亿元,同比增长29.5%;江阴银行实现营收22.9亿元,同比增长28.7%;成都银行实现营收84亿元,同比增长28.6%。

值得一提的是,江阴银行2018年第三季度营收增速高达48.0%。

记者注意到,部分中小银行归母净利润表现超预期。数据显示,前三季度,国有大型银行、股份制银行、城市商业银行和农村商业银行归母净利润分别同比增长5.9%、7.7%、14.5%、15.8%,城商行增速较上半年显著上升3.0个百分点。

其中,有5家上市银行归母净利润增速高达20%以上。截至2018年9月30日,常熟银行实现归母净利润11.2亿元,同比增长25.3%;上海银行实现归母净利润142.8亿元,同比增长22.5%;宁波银行实现归母净利润89.2亿元,同比增长21.1%;成都银行实现归母净利润34亿元,同比增长20.9%;杭州银行实现归母净利润44.1亿元,同比增长20.4%。

利息净收入明显拉动业绩

记者注意到,利息净收入对业绩的拉动明显。其中,净息差和贷款规模对于业绩贡献度较高。

受益于信贷利率上升,银行净息差普遍改善。28家上市银行整体净息差为2.17%,较2018年上半年高出0.17个百分点,其中,农村商业银行净息差大幅提升,为2.77%,上半年末仅为1.58%。另外,股份制银行、城市商业银行分别提升0.33、0.21个百分点至2.11%、1.95%。国有大行息差上升幅度最小,仅上升0.09个百分点至2.22%。

28家银行中有2家银行净息差较上半年下降,分别是南京银行、贵阳银行。

值得一提的是,2017年商业银行净息差全年小幅走阔,而2018一季度商业银行净息差为2.08%,较2017年末下降0.02个百分点。2018年二季度扭转一季度收窄趋势,较一季度增长0.04个百分点至2.12%。

中原银行首席经济学家王军对《每日经济新闻》记者表示,息差走阔主要是两个方面,一方面,银行间流动性有较大改善,资金端成本下降;另一方面,银行对资产端要求的风险溢价上升,所以,最终表现为息差的略微扩大。同时,他还指出,息差继续扩大并不现实,与降低企业融资成本的目的相悖,维持现有水平小幅波动可能是大概率事件。

太平洋证券指出,28家上市银行前三季度贷款同比增速较上半年继续提升,上市银行贷款余额为82.65万亿元,同比增长10.4%,较上半年上升0.8个百分点。其中,城商行和农商行贷款增长较快,分别同比增长22.7%、17.5%,增速较上半年分别上升3.2个、3.5个百分点。

值得注意的是,资产质量问题仍然是银行业的关注点。截至2018年9月30日,28家上市银行整体不良率为1.54%,较上半年末略有下降,大部分银行资产质量转好。国有大行、股份制银行、城市商业银行、农村商业银行不良率分别为1.51%、1.70%、1.23%、1.50%。其中,国有大行、农村商业银行较上半年均下降0.01个百分点,而股份制银行和城市商业银行与上半年持平。此外,28家上市银行拨备计提比率较上半年增加3个百分点至198%,其中,农村商业银行拨备覆盖率增加16个百分点至257%。


           政策利好:新一轮减税降费有望落地,小微初创企业或普惠免税       Cache   Translate Page      

我国新一轮减税降费已在路上,多项更大减负力度的举措将密集发布。《经济参考报》记者从业内获悉,相关部门正在紧锣密鼓研讨制定下一步减税降费的方案,新政有望年内落地。业内预计,下一步减税将锁定增值税和所得税两大税种,小微、科技初创企业有望迎来普惠免税利好。

事实上,近期高层会议已经接连释放进一步减税减负的明确信号。日前召开的民营企业座谈会明确,要加大减税力度。推进增值税等实质性减税,而且要简明易行好操作,增强企业获得感。对小微企业、科技型初创企业可以实施普惠性税收免除。要根据实际情况,降低社保缴费名义费率,稳定缴费方式,确保企业社保缴费实际负担有实质性下降。

落地层面,减税降费政策也在密集发布。日前,财政部等四部委联合发布通知明确,自2019年1月1日至2021年12月31日,对国家级、省级科技企业孵化器等收入给予免征房产税、城镇土地使用税、免征增值税等优惠。此前,财政部等部门还联合印发通知,取消企业委托境外研发费用不得加计扣除限制。社保费方面,11月2日的国务院常务会议决定,对用人单位和职工失业保险缴费比例总和从3%阶段性降至1%的现行政策,明年4月底到期后继续延续实施。

记者了解到,当前,相关部门正在密集组织专家和业内研讨等,紧锣密鼓制定新一轮减税降费新政,下一步我国减税降费的重点推进路径已渐明晰。

增值税方面,从全面推开营改增试点、到深化增值税改革、再到未来将实现的三档并两档,事实上,我国增值税改革一直在朝着完善税制、降低税负的方向推进。

今年5月1日起,制造业、交通运输业等部分行业增值税税率下调1个百分点,增值税税率从17%、11%、6%三档变为16%、10%、6%,但还没有实现三档并两档的既定改革目标。专家指出,增值税税率三档并两档应尽快实施,16%的基准税率可考虑下调,这在完善增值税税制的同时,也能实现增值税总体税负的下降。

中国社科院财经战略研究院财政研究室主任杨志勇对《经济参考报》记者表示,当前推出更大规模的可预期的稳定的减税计划,会更有利于稳定市场的信心。在他看来,需要区分和统筹看待减税的短期与中长期效果,形成合理的减税政策体系,减税政策应该制度化。

杨志勇认为,按照就低不就高的原则,增值税三档并两档的目标应是基本税率10%左右和低税率5%左右。从进一步突出减税效果来看,年内可再加大力度,16%和10%的两档税率一次性再下调2个百分点,6%的税率下调至5.5%。此外,企业所得税也存在进一步下调税率的空间。

中国财政科学研究院院长刘尚希表示,过去几年的减税中,除了营改增带有一定的普惠性,其他减税措施往往是特惠式减税,即针对特定行业、企业,比如对中小企业、高新技术企业,出台一系列优惠政策。在他看来,下一步减税政策,需要以普惠式减税为主,同时结合税制改革,在完善税制的同时,实现税负下降,而且应当有利于企业公平竞争。同时,减税方式要实现从税基到税率的转变,要较大幅度降低名义税率,同时清理和规范税基,使税率和税基形成新的组合,既能有效引导预期,又不会使税收收入大幅下降。

北京国家会计学院财税政策与应用研究所所长李旭红表示,减税降费,尤其是对小微初创普惠式减税具有积极的意义。一方面,由于小微贡献的税收规模较小,减税给财政带来较小的压力;另一方面,小微企业的数量众多,减税的影响面较广,对于缓解当前的就业、经济及现金流压力等多个方面均会产生积极的效应。

她指出,同样的一笔减税资金,用在大企业身上,与规模宏大的资金量相比或许影响不大,但是用在小微企业身上,则有可能完全改善经营状况。因此,对小微企业减税可以用较小的资金成本产生较大的社会效应。此外,融资难是小微企业共性的国际难题,如果无法得到及时的融资,减税是解决小微企业现金流问题的较好途径。

在她看来,要落实小微初创普惠式减税,一方面需要放低门槛,减少其税收遵从成本,使小微企业可以用最便捷的方式获得减税,另一方面需要考虑到小微企业通常缺乏优秀的会计人才,对税收政策的把握不准,因此,建议采用最简单的税额减免,或者是免税期的方式,使政策能够直接快速地产生减税效应。


          Senior Manager, Marketing Analytics      Cache   Translate Page      
CA-Burlingame, Senior Manager, Marketing Analytics with strong proficiency with SQL and experience with A/B testing, attribution modeling, customer segmentation, LTV analysis and media mix sought by SF Bay area fintech company to drive digital and offline marketing performance. Ideal candidate should be comfortable working with unstructured and structured data sets, testing hypotheses, and arriving at data-drive
          Senior Compliance Manager - Hudson - Singapore      Cache   Translate Page      
Hudson Global Resources (Singapore) Pte Ltd. This is a sole compliance role with a growing fintech company....
From Hudson - Fri, 02 Nov 2018 11:10:10 GMT - View all Singapore jobs
          Growing fintech opportunities emerges from banking review      Cache   Translate Page      
While the results from the review by the Financial Markets Authority (FMA) and the Reserve bank could have been more positive, New Zealand banks have been looking at options to improve customer experience and embrace the fintech community which is ...
          Lizzie Chapman to talk about building a fintech startup in India at Disrupt Berlin – TechCrunch      Cache   Translate Page      
TechCrunchFintech startups are growing rapidly in Europe. But it doesn’t mean that the fintech revolution is limited to Europe. That’s why I’m glad to announce that Lizzie Chapman from ZestMoney is coming to TechCrunch Disrupt Berlin to talk about her unique … …read more Source:: Startup Tech News From Google News
          Płatność bez wyjmowania portfela i smartfona z kieszeni      Cache   Translate Page      
Płatności w tle są przyszłością płatności elektronicznych. Na rozwiązania otwartej bankowości oferowane przez fintechy otwierają się już kolejne banki. Polski startup oferuje system płatności, pozwalający płacić np. w restauracji, bez wyjmowania smartfona z kieszeni.
          Africa Roundup: Local VC funds surge, Naspers ramps up and fintech diversifies - TechCrunch      Cache   Translate Page      

TechCrunch

Africa Roundup: Local VC funds surge, Naspers ramps up and fintech diversifies
TechCrunch
Africa's VC landscape is becoming more African with an increasing number of investment funds headquartered on the continent and run by locals, according to Crunchbase data summarized in this TechCrunch feature. Drawing on its database and primary ...


          CS Training Manager      Cache   Translate Page      
CS Training Manager - Klientu apkalpošana/tālruņu informācijas centrs

Would you like to become part of one of the fastest growing Fintech start-ups in Europe? Are you the ambitious and motivated team player our client is looking for? Then have a closer look at this:

The Company.

Our client is one of the fastest growing Fintech start-ups in Europe based in the center of Berlin.

The Job.

Being the manager of the customer service trainer team, your main focus will be a strategical point of view on the design and execution of the customer service training as well as delivering high class customer service training yourself.

The main tasks include:

- Manage, support and develop a team of 12 customer service and quality coaches/trainers
- Improve customer service resolution and satisfaction rate by constantly improving the training provided to the customer service department
- Ensure training is provided and improved on all mediums (Elearning, offline training, trainer experience)
- Create a training environment which enables the whole department to constantly learn and develop
- Overseeing, maintaining the training material for onboarding, customer service and quality training
- Monitor and evaluate performance of training team based on KPIs
- Work closely together with the Head of Customer Service to make strategic decisions based on results
- Align training and coaching strategies with overall department and company goals

The Profile.

- You have an excellent level in English (written/spoken) + any additional European language would be a plus
- You have min. 8 - 10 years of experience as customer service trainer/coach within a fast pace driven customer service department
- You have a strong experience in designing and executing training to customer service departments
- You have excellent people management skills
- You have deep knowledge within key customer service topics and a hands-on attitude
- You know how to deliver excellent customer service to your customers
- You have excellent stakeholder management skills
- You are an analytical and strategic person
- You are stress resilient
- You enter the office in the morning with an extra smile

The Offer.

- Salary based on level of experience + additional benefits
- Working for one of the most exciting fintech startups in Europe
- Company with flatten hierarchy
- Office located in the city center of Berlin
- Start date: ASAP, to be discussed

    Uzņēmums: Blu Selection
    Darba veids: Citas
    Alga: EUR 70.000 / Katru gadu

          Dampak Buruk Pinjaman Online, Bikin Konsumen Trauma hingga Ingin Bunuh Diri      Cache   Translate Page      

Liputan6.com, Jakarta - Maraknya platform pinjaman online berbasis aplikasi, dapat mempermudah masyarakat untuk meminjam melalui kecanggihan teknologi.

Kendati demikian, menurut laporan masyarakat yang diterima oleh Lembaga Bantuan Hukum (LBH) Jakarta, platform pinjaman online atau pinjol ini telah melanggar hukum yang ditetapkan.

Menurut LBH, sekitar 283 korban pinjol telah mengadukan berbagai bentuk pelanggaran hukum. Mengutip situs web resmi LBH Jakarta, Rabu (7/11/2018), kasus pinjol sudah meluas sejak Juni 2018, salah satunya adalah cara penagihan pinjaman online kepada konsumen yang tidak dipatut dilakukan.

Berdasarkan pengaduan tersebut, LBH Jakarta mendapati temuan awal sebagai berikut:

  • Penagihan dengan berbagai cara mempermalukan, memaki, mengancam, memfitnah, bahkan dalam bentuk pelecehan seksual;
  • Penagihan dilakukan kepada seluruh nomor kontak yang ada di ponsel konsumen/peminjam (ke atasan kerja, mertua, teman SD, dan lain-lain);Bunga pinjaman yang sangat tinggi dan tidak terbatas;
  • Pengambilan data pribadi (kontak, sms, panggilan, kartu memori, dan lain-lain) di telepon seluler (ponsel) konsumen/peminjam;
  • Penagihan baik belum waktunya dan tanpa kenal waktu;Nomor pengaduan pihak penyelenggara pinjaman online yang tidak selalu tersedia;
  • Alamat kantor perusahaan penyelenggara pinjaman online yang tidak jelas;
  • Aplikasi pinjaman online yang berganti nama tanpa pemberitahuan kepada konsumen/peminjam selama berhari-hari namun bunga pinjaman selama proses perubahan nama tersebut terus berjalan.

Permasalahan-permasalahan yang merupakan temuan awal tersebut membawa dampak yang tidak ringan. Akibat penagihan ke nomor telepon yang ada di ponsel, peminjam menjadi di-PHK oleh perusahaan tempatnya bekerja, diceraikan oleh suami/istri mereka (karena menagih ke mertua), trauma (karena pengancaman, kata-kata kotor, dan pelecehan seksual).

Akibat bunga yang sangat tinggi misalnya, banyak peminjam yang tidak mampu membayar akhirnya frustasi, mereka kemudian berupaya menjual organ tubuh (ginjal) sampai pada upaya bunuh diri.

Oleh karena itu, LBH telah membuka pos pengaduan pinjol mulai 4-25 November 2018, yang dilakukan secara online melalui situs resmi LBH Jakarta.

Pengaduan dapat dilakukan dengan mengisi formulir di situs web LBH Jakarta, dengan menyertakan bukti-bukti terkait.

Pembukaan pos pengaduan dilakukan untuk mengetahui lebih dalam tentang permasalahan-permasalahan terkait pinjaman online.

Atas pengaduan yang telah dibuat, para pengadu selanjutnya akan dihubungi oleh LBH Jakarta untuk menentukan langkah selanjutnya atas permasalahan-permasalahan yang ada.

Tanggapan Asosiasi

Ilustrasi penggunaan smartphone. (Doc: Mashable)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Menanggapi hal itu, Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) sebagai asosiasi resmi bagi para penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi (fintech) memastikan perusahaan yang memiliki debt collector tersebut bukan bagian dari anggotanya.

Wakil Ketua Umum Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI), Sunu Widyatmoko, mengatakan 73 perusahaan fintech pendanaan yang mendapat izin dari OJK tak memiliki cara penagihan seperti yang diberitakan.

"Mereka itu adalah penyelenggara pinjaman online ilegal yang tidak terdaftar OJK dan bukan anggota asosiasi. Kalau ilegal, maka tugas penegak hukum yang harusnya menangani. Hal-hal seperti ini jangan sampai merusak industri yang sudah kita bangun," kata Sunu di Office 88, Jakarta, Selasa (6/11/2018).

Tak hanya mengkritisi perusahaan yang melakukan penagihan secara tidak manusiawi, Sunu juga mengkritisi cara nasabah yang hingga memiliki pinjaman hingga ke sembilan perusahaan fintech pembiayaan.

Ia menceritakan, setiap perjanjian pinjaman, pihak perusahaan dan calon peminjam sudah terinformasi dan sepakat mengenai berapa dana yang akan cair, berapa bunga yang harus dibayarkan.

"Memang menurut saya ada upaya mereka ingin menghindari kewajiban pinjaman yang mereka terima. Orang-orang ini bukan tidak mampu bayar tapi dari awal niatnya memang sudah ngemplang," tegas Sunu.

 

AFPI Akan Perkarakan Masalah Ini

Ilustrasi Fintech. Dok: edgeverve.com#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Pada kesempatan sama, Dino Martin selaku Ketua Bidang Pendanaan Multiguna AFPI menambahkan, mengenai perusahaan yang melakukan penagihan di luar batas tersebut, meski tak menjadi anggotanya, akan diperkarakan.

"Meski tak menjadi anggota, kita akan kirimkan surat, kalau perlu kita bantu untuk pelaporan ke polisi. Asosiasi ini ada untuk terus mengawal membangun industri yang baru ini. Kalau ada hal seperti ini kan sama saja apa yang sudah kita bangun ini rubuh begitu saja," Dino menambahkan.

Di dalam asosiasi pun, Dino mengaku proses penagihan ini menjadi satu hal yang wajib disampaikan kepada para anggotanya baik secara formal ataupun personal kepada masing-masing pemiliknya.

(Vivi Hartini/Isk)

Saksikan Video Pilihan Berikut Ini


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          Cambr's Ahon Sarkar on adding banking functionality and a full blown deposit network to fintech apps      Cache   Translate Page      
Welcome to the Tearsheet Podcast. I'm Zack Miller. What do you do if you've built an online lender and you decide you want to offer simple banking services, like a bank account or a debit card? You could try building your own but that's hard. And expensive. Or, like MoneyLion and Qapital did, you work with Cambr. Built as a joint venture between StoneCastle Ventures and Q2 Holdings, it's an end-to-end platform that allows fintech apps to rapidly build and scale banking services. What's really interesting is that in addition to the banking functionality, Cambr's platform has a built-in distributed network of over 800 community banks interested in taking deposit money from Cambr clients. Ahon Sarkar, vice president of product and strategy for Cambr, joins me on the podcast today to discuss why an increasing number of fintechs across the industry want to offer accounts, cards, and payments and how Cambr enables them to scale, scale quickly, and embark on a monetization program. To access this episode or over 200 episodes in our archives, go to www.tearsheet.co Ahon Sarkar is my guest today on the Tearsheet Podcast.
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          Why legacy businesses find it difficult to derive value from digital?      Cache   Translate Page      
Fintechs have shown the path of digital innovations across payments, lending, wealth, insurance etc....
          Hong Kong Fintech Week world's first cross-border fintech event (with photos)      Cache   Translate Page      
     Hong Kong Fintech Week came to an end on Friday (November 2) in Shenzhen, reflecting the key cross-border theme of the programme. The five-day event was packed with important announcements, presentations and panel sessions covering all key aspects of financial technology (fintech), and involved experts from around the globe and some of the world's biggest fintech companies. It all combined to set Hong Kong apart as a fintech leader in Asia.  
 
     Presented by Invest Hong Kong (InvestHK), Fintech Week drew more than 8,000 attendees from over 50 economies, more than 260 world-class speakers, 100 exhibitors, 60 start-ups and 1,000-plus business matching meetings. There were plentiful side events, including visits to innovation labs and education events organised by universities. The Week was truly global, featuring international pavilions hosted by Hong Kong, Ireland, Israel and the UK, and with trade delegations from Japan, Mainland China, Singapore, Korea, Spain, Switzerland and the US. The energy and the exchanges during the Week were unparalleled.
 
     The event has grown substantially larger in terms of attendance, exhibitors and venue size. The high-quality content and networking opportunities captured the attendees' imagination in the first two days with FinovateAsia and then in days three to five with the main conference programme organised by Finnovasia. On Friday in Shenzhen, delegates attended a short seminar cum luncheon with local business and government officials, plus fintech company visits to Tencent, WeBank and ZhongAn.
 
     The Government's strong backing for the fintech sector and the Week was evident in a keynote speech by the Financial Secretary, Mr Paul Chan. He highlighted the rapid growth of Hong Kong's fintech sector, including some of the very recent developments, reinforcing the message behind InvestHK's new tagline for Fintech HK: "Launch, Leap, Lead".   
 
     There were more than 300 reporter visits to Fintech Week over the five-day period, and journalists were provided with plenty of news and fresh information to write about. The news began to flow Tuesday evening at the Fintech Week launch event hosted at the Hong Kong Stock Exchange (HKEX). The Chief Executive of the HKEX, Mr Charles Li, announced that the HKEX will be working with Digital Asset to "introduce the first blockchain platform in the financial services industry in Hong Kong". He said this will initially be for Stock Connect, or Blockchain Connect, adding, "If it works with Stock Connect, there's no reason why we can't extend it to the broader market."
 
     Wednesday and Thursday provided more for the regulatory connoisseur. The Hong Kong Monetary Authority (HKMA) held a ceremony on Wednesday to launch eTradeConnect, the HKMA's blockchain trade finance platform, with the 18 companies involved.

     On Thursday, after a keynote speech by the Chief Executive Officer of the Securities and Futures Commission (SFC), Mr Ashley Alder, in which he gave context for an important forthcoming SFC announcement on cryptocurrencies, the announcement followed. The SFC Regulatory Sandbox will be used to monitor the activities of virtual asset exchanges, with a view to setting up a framework for potential regulation and licensing. He added that the SFC will be announcing a regulatory framework for robo-advisory in April next year.
 
      Later on Thursday, 19 companies from nine markets pitched to a panel and an audience in the Fast Track Demo Show, a new initiative of InvestHK and Finnovasia to attract and assist overseas business setting up in Hong Kong. The five winners, AIZEN (Korea), SoCash (Singapore), BluefireAI (Hong Kong), AAAccell (Switzerland) and BeamAndGo (Singapore), took home prizes sponsored by the 14 Fast Track Partners. The Partners were also on-site to provide expert advice and consultancy.
 
     In this third year, Fintech Week was the world's first cross-border fintech event, with events held in Shenzhen. It showcased Hong Kong in the context of the many opportunities that exist in the Guangdong-Hong Kong-Macao Greater Bay Area, with its population of 70 million. The Secretary for Financial Services and the Treasury, Mr James Lau, highlighted the key areas for collaboration between Hong Kong and Shenzhen in fintech as well as in promoting innovation and technology.  
 
     Behind the scenes and away from the stages, meetings and deals were done, with more announcements made. For further highlights of the Hong Kong Fintech Week, go to www.fintechweek.hk.  
 
About InvestHK

     InvestHK is the Hong Kong Special Administrative Region Government department responsible for foreign direct investment. It has set up a dedicated fintech team in Hong Kong with correspondents located in London and San Francisco. It aims at attracting the world's top innovative fintech enterprises, start-up entrepreneurs, investors and other stakeholders to expand and scale their business via Hong Kong to the Mainland of China, Asia and beyond.
Photo  Photo  Photo  Photo  Photo  Photo  Photo  

          TransferWise partners with Dutch challenger bank Bunq      Cache   Translate Page      
TransferWise, the European fintech unicorn that enables low-cost international money transfer, has always had ambitions of being a platform in the truest sense. In addition to its direct-to-consumer app, the company offers an API for integration with other fintechs and banks, although it is fair to say that third-party integrations of this kind have been […]
          Rechtsanwalt m/w      Cache   Translate Page      
Die THE NAGA GROUP AG (NAGA) ist eine deutsche FinTech-Gruppe mit Sitz in Hamburg. Seit Juli 2017 …
          MAJOR PLAYERS: Customer Service      Cache   Translate Page      
£20000 - £23000 per annum: MAJOR PLAYERS: Do you want to work with the new fintech start up about to take over? West End
          Third Way Legal: Compliance Manager EMEA      Cache   Translate Page      
Competitive plus stock options: Third Way Legal: Compliance Manager (global responsibilities), FinTech, Central London - Innovative and fast growing FinTech company is seeking an ambitious candidate London (Central), London (Greater)
          Senior SAP Developer - Resource Solutions - La Hulpe      Cache   Translate Page      
Senior SAP ABAP Developer- La Hulpe, Belgium Resource Solutions are working on behalf of our client, a Global Fintech organisation, who brings the Financial Service's community together by providing the platform, messaging, standards, and products & services to over 10,500 customers in 215 countries. We are looking for a Senior SAP ABAP Developer to join the head quarters based in La Hulpe, Belgium. We are looking for someone passionate and motivated to progress and develop their...
          Senior Compliance Manager - Hudson - Singapore      Cache   Translate Page      
Hudson Global Resources (Singapore) Pte Ltd. This is a sole compliance role with a growing fintech company....
From Hudson - Fri, 02 Nov 2018 11:10:10 GMT - View all Singapore jobs
          Başarılı Fintech Girişimleri ve Para Kazanmanın Pratik Yolları      Cache   Translate Page      
Türkiye bankacılık ve finans teknolojileri alanında ABD ve Avrupa’dan daha ileride. Dünyanın pek çok bankasında Türk girişimcilerin uygulamaları kullanılıyor. Veni girişimlerle küresel bir fintech merkezi olma şansımız yüksek… Global fintech merkezi olmaya adayız FINTECH alanına yapılan yatırımlar Türkiye’de son dönemde artışa geçti. Bütün göstergeler fintech ekosisteminde çok daha büyük yatırımların ve gelişmelerin olacağı bir dönemin …
          Fintech Career Fair – BLOCK71 Jakarta, 17 November 2018      Cache   Translate Page      
BLOCK71 Jakarta Career Fair is back! You are invited to attend our next Fintech Career Fair to be held at BLOCK71 Jakarta on Saturday 17 November 2018, 10 am to 3 pm. Employers Exhibiting: Ovo Xendit Brankas Dana Bijak Bandingin Paper.id Ottopay.id more to come This event bring together fresh-graduates and experienced job seekers for […]
          (USA-NY-New York City) Senior Ruby Developer - Growing FinTech company!      Cache   Translate Page      
Senior Ruby Developer - Growing FinTech company! Senior Ruby Developer - Growing FinTech company! - Skills Required - RUBY, Ruby On Rails, PostgreSQL, MySQL If you are a Senior Ruby Developer with experience, please read on! We are a growing financial technology company in NYC, looking to build our development team with a senior level individual. Lots of opportunity! We are looking for a Senior Ruby Developer with 4+ years of Ruby development who can also be a mentor to the team. This is a Developer role, but in a player/coach capacity. You must come from a high traffic environment, data heavy so you can build highly scalable applications. You must have experience with MVC and the ability to design as well as build web interfaces with Ruby on Rails and multiple databases. If you want to be part of something big, we want to hear from you! You do not need a financial services background but that is a plus too! **What You Need for this Position** Requirements: 4+ years of Ruby on Rails development experience, full stack development Experience with SQL Server or MySQL Experience with MVC Strong background in design patterns Experience with a high traffic, data intense web application **What's In It for You** We offer a strong compensation package and a great environment! Local Candidates ONLY please So, if you are a Senior Ruby Developer with experience, please apply today! Applicants must be authorized to work in the U.S. **CyberCoders, Inc is proud to be an Equal Opportunity Employer** All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. **Your Right to Work** – In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. *Senior Ruby Developer - Growing FinTech company!* *NY-New York City* *RK3-1492818*
          (USA-OH-Cincinnati) Senior Ruby Developer - Growing FinTech company!      Cache   Translate Page      
Senior Ruby Developer - Growing FinTech company! Senior Ruby Developer - Growing FinTech company! - Skills Required - RUBY, Ruby On Rails, PostgreSQL, MySQL If you are a Senior Ruby Developer with experience, please read on! We are a growing financial technology company looking to build our development team with a senior level individual. Lots of opportunity! We are looking for a Senior Ruby Developer with 4+ years of Ruby development who can also be a mentor to the team. This is a Developer role, but in a player/coach capacity. You must come from a high traffic environment, data heavy so you can build highly scalable applications. You must have experience with MVC and the ability to design as well as build web interfaces with Ruby on Rails and multiple databases. If you want to be part of something big, we want to hear from you! You do not need a financial services background but that is a plus too! **What You Need for this Position** Requirements: 4+ years of Ruby on Rails development experience, full stack development Experience with SQL Server or MySQL Experience with MVC Strong background in design patterns Experience with a high traffic, data intense web application **What's In It for You** We offer a strong compensation package and a great environment! Local Candidates ONLY please So, if you are a Senior Ruby Developer with experience, please apply today! Applicants must be authorized to work in the U.S. **CyberCoders, Inc is proud to be an Equal Opportunity Employer** All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. **Your Right to Work** – In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. *Senior Ruby Developer - Growing FinTech company!* *OH-Cincinnati* *RK3-1492832*
          Security Tokens      Cache   Translate Page      
by Bernard Lunn.
Security Tokens
Editors note. This post is written by Sheldon Freedman, a fintech and funds lawye...

Finance Cryptofinance Blockchain daily news

          NEC Showcases Biometrics and Blockchain Technologies for the Financial Sector at the Singapore FinTech Festival 2018      Cache   Translate Page      
NEC Corporation (TSE: 6701) and NEC Asia Pacific announced today their participation in th...
Finance Cryptofinance Blockchain daily news

          (USA-MN-Minneapolis) Senior .NET/JavaScript Engineer      Cache   Translate Page      
Senior .NET/JavaScript Engineer Senior .NET/JavaScript Engineer - Skills Required - .NET, C#, ASP.NET, MVC, JavaScript If you are a Senior C#/.NET Developer with experience, please read on! Located in the heart of Minneapolis, we're a rapidly growing FinTech Startup changing the way millions of people across the globe handle their online banking. With over 400 partners in the financial institution space, our platform is exploding right before our eyes! With this type of business, our team is growing! We're looking for talented Software Engineers who are strong on the C#/.NET Stack. Ideally, we're looking for people who have experience creating highly functional and scalable web applications using C# and ASP.NET. This a full stack position, so this candidate needs to be well versed in Javascript. **Top Reasons to Work with Us** - Competitive salary ($120K - $140K DOE) - Solid Glass Door rating - Dynamic and exciting work environment - Full Benefits (health, dental, vision, etc.) - 401k match - Stability (Great product and great brand!) - Casual work environment **What You Will Be Doing** - Development using C#/.NET and JavaScript - Create clean, scalable, and maintainable code for modern web applications - Working with the business team to understand and implement technical requirements - Create and Consume Restful APIs - Integration Databases with 3rd party applications - Be a team player / laugh and have fun / strive to get better **What You Need for this Position** 8+ years development with a focus in the following: - C#- - ASP.NET- - MVC- - JavaScript - RESTful web services - SQL - SaaS software - BS in CS or related is preferred So, if you are a Senior .NET Engineer with experience, please apply today! Applicants must be authorized to work in the U.S. **CyberCoders, Inc is proud to be an Equal Opportunity Employer** All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. **Your Right to Work** – In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. *Senior .NET/JavaScript Engineer* *MN-Minneapolis* *DH1-1492826*
          (USA-MA-Boston) Oracle Developer/DBA - Oracle 12c, Amazon RDS, PL/SQL      Cache   Translate Page      
Oracle Developer/DBA - Oracle 12c, Amazon RDS, PL/SQL Oracle Developer/DBA - Oracle 12c, Amazon RDS, PL/SQL - Skills Required - Oracle 12c, Amazon RDS, PL/SQL, Perl, Python, Fintech, Financial Analytics, Oracle DBA, Oracle 11G, Oracle Tuning If you are a Oracle Developer/DBA with experience, please read on! **Top Reasons to Work with Us** Fortune 500 financial firm **What You Will Be Doing** As a member of a highly skilled and growing development team, candidate will be responsible for maintaining our companies Oracle 12c database environment in Amazon RDS as well as development in PL/SQL, Perl and Python. Candidate will learn about Wall Street analytics and will help to support our companies inbound and outbound data feeds. Be at the forefront of high finance and technology. Learn all about Wall Street. Family-friendly work schedule, beautiful office with spectacular views of Boston, fully stocked kitchen and many other benefits. **What You Need for this Position** More Than 3 Years of experience and knowledge of: - Oracle 12c - Amazon RDS - PL/SQL - Perl - Python - Fintech - Financial Analytics - Oracle DBA - Oracle 11G **What's In It for You** Base 125-165k - Vacation/PTO - Medical - Dental - Vision - Relocation - Bonus - 401k healthcare, dental, commuter benefits, 401K, short and long-term disability, life insurance, 15 vacation/sick days, 9 paid holidays, 5-12 work-at-home days, employee referral bonus program So, if you are a Oracle DBA with experience, please apply today! Applicants must be authorized to work in the U.S. **CyberCoders, Inc is proud to be an Equal Opportunity Employer** All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. **Your Right to Work** – In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. *Oracle Developer/DBA - Oracle 12c, Amazon RDS, PL/SQL* *MA-Boston* *CD-1492726*
          (USA-MA-Boston) Oracle DBA & Developer - Oracle 12c, Amazon RDS, PL/SQL      Cache   Translate Page      
Oracle DBA & Developer - Oracle 12c, Amazon RDS, PL/SQL Oracle DBA & Developer - Oracle 12c, Amazon RDS, PL/SQL - Skills Required - Oracle 12c, Amazon RDS, PL/SQL, Perl, Python, Fintech, Financial Analytics, Oracle DBA, Oracle 11G, Oracle Tuning If you are a Oracle DBA with experience, please read on! **Top Reasons to Work with Us** Fortune 500 financial firm **What You Will Be Doing** As a member of a highly skilled and growing development team, candidate will be responsible for maintaining our companies Oracle 12c database environment in Amazon RDS as well as development in PL/SQL, Perl and Python. Candidate will learn about Wall Street analytics and will help to support our companies inbound and outbound data feeds. Be at the forefront of high finance and technology. Learn all about Wall Street. Family-friendly work schedule, beautiful office with spectacular views of Boston, fully stocked kitchen and many other benefits. **What You Need for this Position** More Than 5 Years of experience and knowledge of: - Oracle 12c - Amazon RDS - PL/SQL - Perl - Python - Fintech - Financial Analytics - Oracle DBA - Oracle 11G **What's In It for You** Base 125-165k - Vacation/PTO - Medical - Dental - Vision - Relocation - Bonus - 401k healthcare, dental, commuter benefits, 401K, short and long-term disability, life insurance, 15 vacation/sick days, 9 paid holidays, 5-12 work-at-home days, employee referral bonus program So, if you are a Oracle DBA with experience, please apply today! Applicants must be authorized to work in the U.S. **CyberCoders, Inc is proud to be an Equal Opportunity Employer** All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. **Your Right to Work** – In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire. *Oracle DBA & Developer - Oracle 12c, Amazon RDS, PL/SQL* *MA-Boston* *CD-1492715*
          JPMorgan is poaching developers who work on video games like Fortnite — and they say it's 'actually been very easy' to lure them away (JPM)      Cache   Translate Page      

Fortnite Cover

  • JPMorgan Chase co-president Gordon Smith said the bank is having no trouble competing for top tech talent to fuel its $10.8 billion digital ambitions.
  • Smith said a number of software developers the bank has hired come from the video game world.
  • How does JPMorgan get programmers to ditch Fortnite for mobile banking? "It's actually been very easy," Smith said.
  • Part of the allure is working on projects that affect tens of millions of people, Smith said. 

Wall Street banks are increasingly competing with Silicon Valley start-ups and tech giants like Google, Amazon, and Facebook for top talent. 

JPMorgan Chase, for one, says it's having no struggle at all when it comes to hiring engineers and developers to build out its vast digital ambitions. 

At a financial conference Tuesday, Gordon Smith, co-president and consumer banking chief at JPMorgan, said the bank has "honestly had no problems attracting that talent at all. It's actually been very exciting."

He noted that the bank had hardly any mobile or digital developers four years ago in Manhattan, but now has roughly 1,500 — mainly working out of the firm's glistening tech hub in Hudson Yards.

Anecdotally, Smith said that a number of the developers he's spoken with have left careers developing video games to join JPMorgan.

How is the bank luring away techies from sexy jobs working on hit games like Fortnite to work on mobile-banking products? 

"It's actually been very easy," Smith told Erika Najarian, an equity-research head at Bank of America Merrill Lynch, at the conference.

While state-of-the art tech offices — in addition to Hudson Yards, the firm in September announced a new fintech office in Palo Alto to house 1,000 employees — likely help, the scale of JPMorgan's opportunity is what Smith highlighted. Here's the exchange:

Smith: I was talking to some of our developers, and I asked them — I often do — 'Where'd you come from?' And they come from the gaming industry, not the gambling industry, the gaming industry.

Najarian: Fortnite, yes.  

Smith: Yes. And I said what attracted you to JP Morgan Chase from gaming? They said, "Well it's so exciting. When we do something with JPMorgan, we can hit thirty, forty, fifty million customers." And there's a little bit bragging rights when you're talking to your friends and you can say you know, "Well I've worked on this component of the mobile experience." So we've had great success at attracting talent and retaining them.

That's a similar pitch to what Bank of America uses in hiring tech talent for its consumer bank. 

Read more: 'If you get to 700, 750, we'll cut your mortgage costs a little bit': JPMorgan is working on ways to reward you for improving your credit score, and it may be the future of consumer finance

JPMorgan, which earlier this year told Business Insider it has a $10.8 billion tech budget and 50,000 technologists on its payroll, courts comparisons to Amazon and has gone all in on a bet that a "Digital Everywhere" strategy will help win the future of banking.

The talent needed to build that vision doesn't come cheap. Smith said the company is increasingly trimming the number of call-center jobs it has in the $30,000-a-year range and instead adding "digital designers, software programmers, software engineers, artificial intelligence PhDs" at the $100,000 to $150,000 range. 

In Smith's view, the former expense is simply providing maintenance of an existing customer service, while the latter is a bet on the future revenue growth — such as opening and maintaining an API store, building tools to gamify the process of improving customer credit scores, or launching a free stock-trading platform and an all-digital bank for millennials.

"When I'm moving expense into software developers, AI engineers and so on, they're all building for the future. They're all accelerating the medium to long-term growth of the company," Smith said. 

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          UNPay and President of Lithuania In Talks on Possible Fintech Cooperation      Cache   Translate Page      
SINGAPORE / SHANGHAI, CHINA – Media OutReach – 7 November 2018 – UNPay and the President of Lithuania, Dalia Grybauskaitė, had a fruitful discussion yesterday on the future of financial technology (fintech) at The China-Lithuania Economic Cooperation Forum and the China-Lithuania Financial Science and Technology Cooperation. UNPay founder and CEO, Zhang Zhenghua, in discussion with President […]
          Portify raises £1.3M to help gig economy workers improve their financial wellbeing      Cache   Translate Page      
Portify, a London fintech startup that offers an app and various financial products to help gig economy workers better manage their finances and in turn improve financial wellbeing, has raised £1.3 million in seed investment. The round is led by Kindred Capital, and company builder and ... Reported by TechCrunch 1 hour ago.
          Portify raises £1.3M to help gig economy workers improve their financial wellbeing      Cache   Translate Page      
Portify, a London fintech startup that offers an app and various financial products to help gig economy workers better manage their finances and in turn improve financial wellbeing, has raised £1.3 million in seed investment. The round is led by Kindred Capital, and company builder and investor Entrepreneur First (EF), with participation from various unnamed […]
          Start-up-ul fintech local Instant Fac­to­ring atrage o finanţare externă de 1,5 milioane euro de la un fond de investiţii american şi vizează extinderea pe alte pieţe din regiune      Cache   Translate Page      
Instant Factoring, prima companie românească de micro-factoring online pentru IMM-uri, a primit o finanţare de 1,5 milioane euro de la un fond de investiţii din Statele Unite ale Americii, fondurile urmând să susţină extinderea activităţii, prin dezvoltarea operaţiunilor de micro-finanţare pentru un volum de facturi cu valori totale de până la 20 milioane euro în 2019.
          Security Tokens      Cache   Translate Page      
by Bernard Lunn.
Security Tokens
Editors note. This post is written by Sheldon Freedman, a fintech and funds lawye...

Finance Cryptofinance Blockchain daily news

          Graduate Development Program -- 4      Cache   Translate Page      
We are looking for a trainer to provide class room training to 20 university fresh graduates on the following subjects: Digital banking, AI Big data Machine learning Fintech Data Analytics Blockchain... (Budget: min $50000 USD, Jobs: Artificial Intelligence, Data Analytics, Data Mining, Digital Marketing, Machine Learning)
          Africa Roundup: Local VC funds surge, Naspers ramps up and fintech diversifies - TechCrunch      Cache   Translate Page      

TechCrunch

Africa Roundup: Local VC funds surge, Naspers ramps up and fintech diversifies
TechCrunch
Africa's VC landscape is becoming more African with an increasing number of investment funds headquartered on the continent and run by locals, according to Crunchbase data summarized in this TechCrunch feature. Drawing on its database and primary ...


          Portify raises £1.3M to help gig economy workers improve their financial wellbeing      Cache   Translate Page      
Portify, a London fintech startup that offers an app and various financial products to help gig economy workers better manage their finances and in turn improve financial wellbeing, has raised £1.3 million in seed investment. The round is led by Kindred Capital, and company builder and investor Entrepreneur First (EF), with participation from various unnamed […]
          TransferWise partners with Dutch challenger bank Bunq      Cache   Translate Page      
TransferWise, the European fintech unicorn that enables low-cost international money transfer, has always had ambitions of being a platform in the truest sense. In addition to its direct-to-consumer app, the company offers an API for integration with other fintechs and banks, although it is fair to say that third-party integrations of this kind have been […]
          Lizzie Chapman to talk about building a fintech startup in India at Disrupt Berlin      Cache   Translate Page      
Fintech startups are growing rapidly in Europe. But it doesn’t mean that the fintech revolution is limited to Europe. That’s why I’m glad to announce that Lizzie Chapman from ZestMoney is coming to TechCrunch Disrupt Berlin to talk about her unique Indian startup. ZestMoney wants to make it easier to lend money to buy goods […]
          Središnji tehnološki događaj financijske industrije u ovoj godini najavljuje Oleg Maštruko      Cache   Translate Page      
Drugo izdanje konferencije Future of Fintech okupit će brojne eksperte koji će govoriti o tehnološkoj budućnosti financijskih institucija i kompanija. Uvodno predavanje drži Velimir Šonje, a između ostaloga bit će predstavljen američki The Bancorp, kao i robotski investicijski savjetnici, a pripremljen je i pregled hrvatske scene fintech startupa
          Reviewed: New Name, Logo, and Identity for Pay.UK by SomeOne      Cache   Translate Page      

“Above my Pay Grade”

New Name, Logo, and Identity for Pay.UK by SomeOne

Established in 2017 as New Payment System Operator ("NPSO"), the newly renamed Pay.UK is the UK's leading retail payments service provider that allows individuals and businesses to, among other things, get their salaries, pay their bills, and make online and mobile banking payments. In 2017, £6.7 trillion moved through their system, enabling £17.5 billion in payments every single day. Pay.UK is sort of the new parent brand of pre-existing payment services like Bacs Direct Credit, Direct Debit, Faster Payments, cheques and Paym. This past October, Pay.UK introduced its new identity, designed by London, UK-based SomeOne, who also conceived the name.

The feedback we got from stakeholder research was that a new name had to be 'short and snappy', and 'literally describe what we do'.With this in mind we renamed the organisation Pay.UK in recognition of its essential national service and digital future.

SomeOne project page

New Name, Logo, and Identity for Pay.UK by SomeOne
Logo, static.
The identity itself had not only to be solid and simple, but also be contemporary enough to attract new fintechs entering the UK market. We wanted to get across the idea that Pay.UK was constantly 'in motion' and not rigid as an institution.

To go with the new name, SomeOne created a continuously moving brand mark representing the organisation's 'gears in motion' and desire to be the 'beating heart' of UK payments. When seen statically, the mark should never be the same, reflecting the unique payment patterns of every UK individual.

For this to be truly dynamic, the digital team at SomeOne developed a generative logo creator - an application where anyone could create their own version of the Pay.UK symbol.

SomeOne project page

Logo, animated.
Icon animation.
Logo generator.

The old name sounded more like a category than an organization's name -- "New Payment System Operator" sounded more like "Telecommunications Service Provider" than "AT&T". Pay.UK is so unbelievably simple it's a surprise they were able to take it. To a certain degree it almost sounds like a government agency and I don't know if that's a little misleading in giving the organization more apparent power than it has or than it should have. Anyway: good name, yo. The old logo didn't help the name much, looking like a Nutrition Fact line item. The new logo is... different. As I'm trying to write this paragraph, I find myself starting and stopping on trying to assess the icon. One part of me appreciates how different it is -- in either static or animated form -- and trying to create almost a new category of icon. Another part of me finds it, particularly in motion, pretty disturbing. It's like the inside of the mouth of a villain's robot mascot that eats things. The individual shapes of the icon are not pleasant either. It's really weird. I'm very much looking forward to reading the comments because I'm so unsure on this one.

The wordmark is actually nice, especially given that it's a font straight out of the box. In its simplicity it helps ground the icon and the size relationship in the lock-up makes the name the most visible element.

The word mark and brand's typography all use Source Sans, Adobe's first open source typeface family, primarily designed for user interfaces. As part of the brand world, this sits alongside a no-nonsense black and white colour palette and colour photography depicting the 'real life' end users - people across the UK benefitting from fast, secure payments.

SomeOne project page

New Name, Logo, and Identity for Pay.UK by SomeOne
Business cards.
New Name, Logo, and Identity for Pay.UK by SomeOne
New Name, Logo, and Identity for Pay.UK by SomeOne
Booklet covers and spreads.

The booklet covers achieve a very interesting, almost United-Nations-like look, that makes the identity feel very authoritative but, as paired with the customer photography, also accessible.

New Name, Logo, and Identity for Pay.UK by SomeOne
Brand pattern.
New Name, Logo, and Identity for Pay.UK by SomeOne
Lanyards.
New Name, Logo, and Identity for Pay.UK by SomeOne
Website.
New Name, Logo, and Identity for Pay.UK by SomeOne
Lobby.
New Name, Logo, and Identity for Pay.UK by SomeOne
Conference room. Spoiler: Icon does not work in single color.
New Name, Logo, and Identity for Pay.UK by SomeOne
Mug.

Overall, there is a confusing sense of what the exact positioning of this is: is it a government agency? A business-to-business corporate brand? A direct-to-consumer retail brand? Am I supposed to fear it like the IRS or embrace it like Shopify? Sorry, more questions than answers today.


          38% Indians Don’t Have Money For Diwali; 21% Will Neglect Parents For Diwali Gifts [Paysense Survey]      Cache   Translate Page      
More than one-third of Indians can't afford Diwali

Paysense, a leading fintech startup which provides instant personal loan without any hassles, has conducted a unique survey related to Diwali gifts.

The most shocking discovery of this survey is: 38% of Indians don’t have enough money for Diwali!

The post 38% Indians Don’t Have Money For Diwali; 21% Will Neglect Parents For Diwali Gifts [Paysense Survey] first appeared on Trak.in . Trak.in Mobile Apps: Android | iOS.


          UK banks publish fintech collaboration toolkit      Cache   Translate Page      
A collective of top UK banks and and financial technology firms have helped to craft a set of guidel...
          Oracle seeks fintech startups to join cloud portfolio      Cache   Translate Page      
Oracle is on the hunt for mature financial technology startups to join its cloud-based ecosystem, co...
          Ping An Powering Ahead with World-leading Fintech and Healthtech      Cache   Translate Page      

HONG KONG, Nov. 7, 2018 /PRNewswire/ -- Ping An Insurance (Group) Company of China, Ltd. (hereafter "Ping An" or "the Group" or "the Company", HKEx: 2318; SSE: 601318) today showcased its world-leading fintech and healthtech achievements, which underpin its "Finance + Ecosystem" strategy. ...


          "Otomatik Katılım Sistemi'nde cayma süresi yükseltilmeli"      Cache   Translate Page      
- TSPB Başkanı Erhan Topaç: (2) - "Otomatik Katılım Sistemi'nde (OKS) cayma süresi kısa. Ortalama 2 ay gibi bir süre... Bu sürenin uzatılmasına ilişkin çalışmalar yapılacak. OKS'de cayma süresinin en az 2 yıl olması gerektiğini düşünüyoruz" - "Dünyada son 10 senede gerek fintech gerek dijital para arzı alanında ciddi gelişmeler oldu ve Türkiye bunların biraz uzağında kaldı. Bu düzenlemelerin önünün açılması açısından Cumhurbaşkanlığı programını son derece olumlu buluyoruz. Gelecek yıl bu alanlarda ciddi adımlar atılacak gibi gözüküyor" - "Algoritmik işlemler günlük işlem yapan bireysel yatırımcı ve traderlar açısından kolay bir ortam yaratmıyor. Türkiye'de algoritmik işlemlerin günlük işlem hacmindeki payına ilişkin kesin bir oran yok. Bizim gördüğümüz yüzde 15 ila 18 arasında algo işlemler yer alıyor" - "Bu yıl 13-14 Kasım'da üçüncüsünü düzenleyeceğimiz Türkiye Sermaye Piyasaları Kongresi'ne 6 bin kişinin katılımını bekliyoruz"
          Ping An Powering Ahead With World-leading Fintech And Healthtech      Cache   Translate Page      

Click to view a price quote on PNGAY.

          Capital.com inicia operaciones en España como patrocinador oficial del Valencia C.F.      Cache   Translate Page      
La compañía fintech Capital.com, aprobada además por la Autoridad de Conducta Financiera (FCA), se ha convertido en el nuevo patrocinador del Valencia C.F. hasta el final de la temporada 2018/19. Esta ... - Fuente: ecommerce-news.es
          Salesforce Engineer (m/f) – Berlin // Spotcap Global Services GmbH      Cache   Translate Page      

Company Description Spotcap is a leading global fintech company operating in the trillion dollar online lending space. We are driven by the mission to empower SMEs with tailored finance, allowing them to focus on what really matters – their business. Spotcap operates in five countries and is headquartered in Berlin, Germany, with a local presence...

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


          Blog Post: New publications added to Lexis Advance news content      Cache   Translate Page      
Several new publications have been added to Lexis Advance news content, including: * High Net Worth Insights Journal Retirement Market Insights Journal Millionaire Corner Newsletter       Lianhe Wanbao Shin Min Daily News Accord Fintech BSE Bizcommunity Caravan Alive Daily News (Tanzania) HT Ranchi Edition Manila Bulletin Nuffoods Spectrum Paper VC   The Conversation—Australia The Conversation—United States The Conversation—Africa The Conversation—United Kingdom The Conversation—Canada The Conversation—France The Conversation—Spanish Intellinews—Armenia Today Intellinews—Azerbaijan Today Intellinews—Belarus Today Intellinews—Georgia Today Intellinews—Iran Today Intellinews—Kosovo Today Intellinews—Kyrgyzstan Today Intellinews—Moldova Today Intellinews—Mongolia Today Intellinews—Slovenia Today Intellinews—Tajikistan Today Intellinews—Turkmenistan Today Intellinews—Uzbekistan Today Publisher, Content Engine LLC: Ambito Financiero Andina Agencia Noticiera Diario Meridiano, Venezuela Clarin El Cronista Comercial Infobae Revista Fairway REIT Magazine—coming soon   * Some news sources listed may or may not be available depending on your current LexisNexis® subscription.
          French m-payment start-up Lydia launches insurance plans for mobile devices      Cache   Translate Page      
(Telecompaper) Fintech start-up Lydia has started offering users of its mobile app a new insurance service, in partnership with French group CNP Assurances, one of...
           Fein participó de la apertura del Silicon Valley Forum      Cache   Translate Page      

Este martes 6, la intendenta Mónica Fein participó junto al gobernador Miguel Lifschitz de la apertura oficial del Silicon Valley Forum, donde a lo largo de dos jornadas dieciséis expertos del icónico polo de innovación tecnológica de California (Estados Unidos) disertarán en la ciudad de Rosario.

En su primer desembarco en Latinoamérica, las Jornadas de Inmersión en AgTech se desarrollarán en los galpones 15 y 17 del Parque Nacional a la Bandera, organizadas por la Municipalidad de Rosario, el Gobierno de Santa Fe, el Consejo Federal de Inversiones y la Revista Chacra.

“Quiero felicitar esta iniciativa porque la ciudad de Rosario, como lo ha demostrado muchas veces, tiene todo para poder encontrar al sector público con el sector privado, y a la tecnología, que es una acción profundamente humana y social, en coordinación con el desarrollo productivo de la ciudad, la provincia y el país”, expresó la intendenta durante sus palabras de bienvenida.

 El acto de apertura también contó con la presencia de la presidenta de la Fundación CEDEF, Mariana Stegagnini; la presidenta y CEO de Silicon Valley Forum, Denyse Cardozo; autoridades nacionales, provinciales y municipales, y representantes de las principales instituciones técnicas y empresarias del sector.

Durante los dos días, productores agropecuarios, innovadores tecnológicos, startups, universidades, instituciones sectoriales, gobiernos y expertos de la industria tendrán la posibilidad de explorar nuevas tecnologías, conectarse y relacionarse con el ecosistema de Silicon Valley con el propósito de vincular y posicionar al sector agroindustrial y de innovación regional con el desarrollo y colaboración continuada.

Los 16 expertos de Silicon Valley que llegarán por primera vez a Latinoamérica con su programa Semillas de Futuro, brindarán sus conocimientos sobre temas de avanzada en la innovación vinculada al agro como el agro digital, big data en la producción de alimentos, blockchain, internet de las cosas, inteligencia artificial, agricultura inteligente, fintech, biotecnología, agricultura celular, entre otros.
          Kinsella Legal: COMMERCIAL IN-HOUSE LAWYER, FINTECH, c.3-8 YEARS' PQE+      Cache   Translate Page      
benefits & bonus: Kinsella Legal: COMMERCIAL CONTRACTS IN-HOUSE LAWYERc.3-8YEARS' PQE (INDICATIVE ONLY)FINTECH REF: PB/FINWe are working with a fast-growing company at the forefront of London
          Stopgap: Campaign Manger      Cache   Translate Page      
Up to £55000 per annum: Stopgap: Want to be part of a company that's really going places? This fintech company are growing rapidly globally, and you could be part of their journey. London
          Stopgap: Senior Marketing Manager      Cache   Translate Page      
£50000 - £60000 per annum: Stopgap: Global fintech start-up seeking a dynamic B2B Marketing Manager to join the growing Central London team! London
          Consultant senior Retail Banking (H/F)      Cache   Translate Page      
Senior Consultant Transformation Digitale et Cognitive (H/F) Retail Banking & Services Financiers Vous participerez à l'accompagnement de nos clients bancaires, devant relever les défis liés au digital, à l'innovation, à l'efficacité opérationnelle. Vous accompagnez nos clients sur la stratégie, le cadrage et la mise en oeuvre de leur transformation digitale, en intégrant les nouveaux concepts et innovations technologiques liés au digital (Analyse Cognitive, Design Thinking, Internet des Objets, DataLake, Blockchain, Mobile Banking ....). Vous interviendrez également sur la transformation des organisations et la recherche d'efficacité opérationnelle dans la mise en oeuvre des projets de nos clients. Missions principales : Dans le cadre de votre accompagnement sur les projets de transformation de nos clients vous saurez : - Démontrer les enjeux de la transformation digitale auprès d'acteurs clés du secteur bancaire, - Définir les nouveaux parcours client à l'ère du digital, en appliquant les méthodes de type Design Thinking, centrées sur la réponse aux besoins et l'amélioration de l'expérience utilisateurs. - Définir les ambitions et plan de mise en oeuvre sur tout ou partie de la transformation digitale (marketing et ventes, web et mobile banking, digitalisation de l'agence, digitalisation des processus et opérations etc.). - Réaliser des études d'opportunité/faisabilité d'utilisation des nouvelles technologies (Internet des Objets, Blockchain, Social média, Intelligence Artificielle, Big data...) - Accompagner nos clients sur le choix des solutions du marché répondant à leurs ambitions en matière de stratégie digitale (Cognitif, Fintechs, CRM, analytiques et Big Data, applications web ou mobiles etc.). - Définir de nouveaux modèles organisationnels cibles Front-Office to Back-Office dans une optique d'efficacité opérationnelle ; - Analyser les impacts organisationnels et humains et accompagner la transformation. - Piloter les projets découlant des activités précédentes : planning, coût, coordination des contributeurs internes et externes. Par ailleurs, vous serez amené à : - encadrer des consultants juniors et à participer au développement et à l'animation interne de nos équipes. - Contribuer au développement de nos offres dans un environnement international, et la promotion de celles-ci auprès de nos clients.
          Fintech crecen 66% en la región y Argentina se consolida en el cuarto puesto      Cache   Translate Page      
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          Fintech payments firm PIP plans expansion after €1m fundraising      Cache   Translate Page      
International payments company PIP IT will triple its headcount over the next 18 months after securing over €1m in funding.
          Gateway to Africa: Kingsland Partners With Legacy Capital to Offer Blockchain Developer Training in Mauritius      Cache   Translate Page      

ATLANTA, Nov. 7, 2018 /PRNewswire/ -- Kingsland University today announced their partnership with Legacy Capital to deliver Kingsland's internationally recognized Blockchain Developer courses in Mauritius. Legacy Capital is a fintech management consultancy specializing in bringing unique...


          Portify raises £1.3M to help gig economy workers improve their financial wellbeing      Cache   Translate Page      
Portify, a London fintech startup that offers an app and various financial products to help gig economy workers better manage their finances and in turn improve financial wellbeing, has raised £1.3 million in seed investment. The round is led by Kindred Capital, and company builder and investor Entrepreneur First (EF), with participation from various unnamed […]
          Head of Banking Business - Virtual Banking - TNG Fintech Services Limited      Cache   Translate Page      
Salary: Salary negotiable, ---- yr of exp, posted on 07 Nov 2018 09:32:00
          Compliance Officer (Regulatory) - Virtual Banking - TNG Fintech Services Limited      Cache   Translate Page      
Salary: Salary negotiable, 7 yr of exp, posted on 07 Nov 2018 09:30:00
          Compliance Officer (Products) - Virtual Banking - TNG Fintech Services Limited      Cache   Translate Page      
Salary: Salary negotiable, 7 yr of exp, posted on 07 Nov 2018 09:29:00
          How Tamarac grew from fintech startup to $1.2 trillion behemoth       Cache   Translate Page      
Early days at Tamarac were a far cry from the business Envestnet bought in 2012.
          Symfony developer      Cache   Translate Page      
Onze opdrachtgever is een succesvolle fintech startup. Zij bewegen zich van een startup naar een scaleup. Er wordt in een klein team gewerkt aan verschillende applicaties. Je gaat werken in een team samen met een andere PHP developer en een data scientist. Je gaat werken aan het robuust en en toekomstbestendig maken van de huidige backend applicatie...
          Lloyds invests in fintech Thought Machine      Cache   Translate Page      
Company has developed cloud-based core banking platform
          Senior SAP Developer - Resource Solutions - La Hulpe      Cache   Translate Page      
Company Resource Solutions are working on behalf of our client, a Global FinTech organisation, who brings the Financial Service's community together by providing the platform, messaging, standards, and products & services to over 10,500 customers in 215 countries. We are looking for a Senior SAP Abap Developer to join the head quarters based in La Hulpe, Belgium. We are looking for someone passionate and motivated to progress and develop their technical skills, using the lastes SAP...
          Square’s Sivan Whiteley on breaking the UK market and having the CEO of Twitter as a boss      Cache   Translate Page      

Square Inc has not only Twitter founder Jack Dorsey at its head but also a former Bingham litigator who found her real home in the start-up world of fintech

The post Square’s Sivan Whiteley on breaking the UK market and having the CEO of Twitter as a boss appeared first on The Lawyer | Legal insight, benchmarking data and jobs.


          L’importanza di essere una sandbox      Cache   Translate Page      
FintechPer una start up Fintech la sandbox è utile per fornire la capacità di testare prodotti e servizi in un ambiente controllato, per ridurre il time-to-market ed i costi, per supportare l'individuazione di adeguati strumenti di protezione dei consumatori, per costruire nuovi prodotti e servizi e per migliorare l’accesso ai finanziamenti

          Jasa Pengirimannya Bukan Lagi Manual, tapi Sudah Digital      Cache   Translate Page      
JPNN.com, JAKARTA - Perkembangan teknologi yang begitu cepat ikut memengaruhi sistem ekonomi. Dari uang tunai di dompet, kini muncul fintech, juga jutaan aplikasi transaksi yang memudahkan.
          FS attends 5th World Internet Conference in Wuzhen (with photos)      Cache   Translate Page      
     The Financial Secretary, Mr Paul Chan, accompanied by the Under Secretary for Innovation and Technology, Dr David Chung, and the Government Chief Information Officer, Mr Victor Lam, attended the 5th World Internet Conference (WIC) in Wuzhen, Zhejiang, today (November 7).

     Yesterday (November 6), after arriving in Wuzhen, Mr Chan, Dr Chung and Mr Lam called on the President of the China Internet Development Foundation (CIDF), Ms Ma Li. Both sides agreed to strengthen co-operation, including to support the Hong Kong Special Administrative Region Government in holding the annual Internet Economy Summit next year.

     Approved by the State Council, the CIDF has a wide scope of work, including enhancing international exchanges and co-operation in relation to Internet development.

     Mr Chan attended the opening ceremony of the Conference this morning, and took part in the plenary session in the afternoon to further understand the world’s leading technological achievements in Internet-related areas.

     Joined by Dr Chung and Mr Lam, Mr Chan met with the representatives of a large-scale cross-border e-commerce platform to exchange views on future trends in the Internet's development. Mr Chan said that e-commerce and financial technologies (fintech) have become the main engines to promote economic growth, given their fast development across the world. He added that Hong Kong has been enjoying the advantage of an environment conducive to developing e-commerce and fintech because of its well-developed capital market, a financial regulatory regime on par with international standards, the free flow of capital, the rule of law and a level playing field for business.

     He said that the Hong Kong Special Administrative Region Government will continue to put in resources to actively promote the development of e-commerce and fintech in the city.

     Later, they met with Hong Kong delegates attending the WIC.

     Organised by the Cyberspace Administration of China and the People's Government of Zhejiang Province, the three-day conference under the theme of "Creating a Digital World for Mutual Trust and Collective Governance - Towards a Community with a Shared Future in Cyberspace" has attracted representatives from governments, enterprises and international organisations. There are 19 sub-forums covering a range of popular topics, from artificial intelligence, fifth-generation mobile services and big data to cyber security.

     Tomorrow (November 8), Mr Chan will attend a sub-forum with a theme of "FinTech  and Construction of a Social Credit System" and deliver a speech on the development of financial technology in Hong Kong.

     Mr Chan will return to Hong Kong in the afternoon of the same day (November 8).
Photo  Photo  Photo  

          BondView Releases Fintech Solution to Assist Funds in Setting Highly Liquid Investment Minimum (HLIM) to Comply with SEC Rule 22e-4      Cache   Translate Page      

NEW YORK, Nov. 7, 2018 /PRNewswire/ -- BondView, a leading provider of fund liquidity information, launched today the first fintech platform to assist mutual funds with the challenge of setting and monitoring Highly Liquid Investment Minimums (HLIM) as prescribed under the new SEC rule...


          Las nuevas oportunidades del financiamiento colectivo – El Universal      Cache   Translate Page      

Las nuevas oportunidades del financiamiento colectivoEl UniversalEn paralelo, México se ha consolidado como líder de América Latina del sector Fintech tras haberse aprobado en marzo la Ley para Regular Instituciones de Tecnología Financiera (Ley Fintech). Sin embargo, en el país aún hay insuficiencia de crédito y …

The post Las nuevas oportunidades del financiamiento colectivo – El Universal appeared first on FinancePlanet.


          Serious Conversations & Cocktails! Here’s What Happened at the BellaNaija Style x Afrikrea Fashion E-commerce Event      Cache   Translate Page      

BellaNaija Style in collaboration with Afrikrea held a fashion business event for fashion designers, stakeholders, and influencers focusing on fashion e-commerce in Nigeria and Africa as a whole. The event, one of epic proportions and frank conversations about the way the fashion industry is evolving through the help of e-commerce, held at the scenic Africa Fintech Foundry in the […]

The post Serious Conversations & Cocktails! Here’s What Happened at the BellaNaija Style x Afrikrea Fashion E-commerce Event appeared first on BellaNaija - Nigeria breaking & top news to the World 24/7. Read Today.


          Fintechs advised on how to work with big banks      Cache   Translate Page      
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          Berliner Fintech: Smartphone-Bank N26 will Euro-Konten in weitere sechs europäische Länder bringen      Cache   Translate Page      
Innerhalb weniger Wochen will die Smartphone-Bank N26 einen wichtigen Schritt in Richtung paneuropäische Geldhaus gehen. Dieser Weg ist laut Vorstand „sofort rentabel.“
          Researchers: Banks should move faster to embrace fintech      Cache   Translate Page      
Global research by Accenture suggests financial technology startups and challenger banks are quickly making inroads into trad -More

          Pese al Brexit, Reino Unido barre a sus vecinos en inversiones para startups      Cache   Translate Page      
Pese al Brexit, Reino Unido barre a sus vecinos en inversiones para startups#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000\

  • España, muy por detrás en el ranking, sigue teniendo el mismo reto ante sí: hacerse atractiva para los fondos internacionales.
  • Francia ocupa el segundo puesto, muy cerca de sus vecinos británicos.

Que el sector de las inversiones en startups ha mejorado es un hecho que hasta lo negacionistas más radicales no pueden negar. Le creación de un mercado mucho más maduro, rangos de inversión, compras, estado del ecosistema con mayores representantes internacionales y un mayor número de unicornios dan buena muestra de ello.

Solo en España, en los últimos meses, los récords que se han logrado en cuanto a grandes rondas de financiación superan cualquier estadística de los últimos años. Pero no solo de inversiones va la cosa.El nivel de exits con los ejemplos de AlienVault, Uvinum o Aplazame forman parte de uno de los mejores historiales de los últimos años.

Sin embargo, analizando el global del ecosistema respecto a nuestros vecinos europeos, España sigue estando muy lejos de los líderes del sector. Con un solo unicornio en su haber, Cabify, el estado de mercados com mucho más recorrido les aporta algo más que un curriculo meritorio: Spotify, Supercel, Zalando o Adyen serían solo algunas de las más destacadas. Y así lo ha determinado el estudio de Stripe, en conjunto junto con Techstars y Tech.eu. Si en el primer trimestre de 2015, con 400 millones de inversión para 375 operaciones en todo el continente, la evolución hasta los resultados del segundo trimestre de 2018 ha sido gigante: 2.000 millones de euros destinados a 630 operaciones en total. Un mercado único europeo, que aunque se encuentra a años luz del universo de silicon Valley, ha crecido sin pausa.

Es decir, unos datos que han terminado cuadruplicándose en los últimos 3 años especialmente para los sectores más atractivos para el negocio de los fondos: fintech y medtech. Dos divisiones que, por interés financiero el primero y gasto en investigación el segundo, con una planificación a largo plazo, suponen un mayor atractivo.

Pese al Brexit, Reino Unido sigue a la cabeza

Quinto puesto. Ahí se ha quedado España en lo que a recepción de inversión en etapas tempranas se refiere y a muy largo recorrido del podio de los ganadores: solo es receptor de un 3,95% de los fondos globales. Por delante, Suiza y Alemania con un 7,2% y un 12,65%. Un síntoma de que, pese a una mejora en la entrada de capital extranjero, principalmente europeo en España, el ecosistema sigue teniendo un reto: hacerse atractivo para los fondos del continente.

La batalla entonces se libra al norte: Francia y Reino Unido se mantienen líderes en las rondas de financiación para las compañías de menor tamaño. El caso de Francia no desentona con la historia del hub europeo. De hecho, precisamente fue en Francia donde surgió BlaBlaCar hace ahora 12 años.

Es, sin duda, el caso de Reino Unido el que más destacan los analistas. Si bien es cierto que la historia del país británico viene de una larga tradición, especialmente en lo que a fintech se refiere, la situación política internacional por la que atraviesa la región no ha empañado sus cifras. El Brexit, a punto de culminar su recorrido tras el referendum que cambió la historia de Europa, no ha tenido efectos secundarios hasta la fecha en el curso de las finanzas británicas. Si bien es cierto que, a la espera de que se concreten los términos del acuerdo de salida, el pánico inicial en el sector emprendedor europeo ha ido calmándose. Habrá que ver los resultados de este mismo estudio de aquí a dentro de unos años cuando, ya de forma efectiva, Reino Unido quede fuera de la Unión Europea y su mercado único.


          Credit Karma to gain a footing in the U.K.      Cache   Translate Page      
Credit Karma has agreed to buy a credit reporting company that TransUnion initially sought to develop as the fintech's British equivalent.
          Window may be closing for small banks to compete for small business      Cache   Translate Page      
Big banks and fintechs are aggressively adding digital capabilities to process applications quickly, creating a sense of urgency for community banks.
          Fintech Appoints Trey Williams as Chief Operating Officer      Cache   Translate Page      

TAMPA, Fla., Nov. 7, 2018 /PRNewswire/ -- Financial Information Technologies, LLC (Fintech) announced today that they have selected Trey Williams for the position of Chief Operating Officer (COO). As COO, Trey brings 30+ years of technology and hospitality experience, and will work...


          Senior Ruby Developer - Growing FinTech company!      Cache   Translate Page      
NY-New York City, If you are a Senior Ruby Developer with experience, please read on! We are a growing financial technology company in NYC, looking to build our development team with a senior level individual. Lots of opportunity! We are looking for a Senior Ruby Developer with 4+ years of Ruby development who can also be a mentor to the team. This is a Developer role, but in a player/coach capacity. You must come
          Kapitál top fintech firiem narástol o viac ako 27 miliárd dolárov      Cache   Translate Page      
Rebríček vedie čínska spoločnosť Ant Financial.
          Think global, Go global, czyli FinTech & InsurTech Digital Congress      Cache   Translate Page      
Z przyjemnością informujemy, że portal infor.pl objął patronatem medialnym FinTech & InsurTech Digital Congress. FinTech & InsurTech Digital Congress jest kluczową pozycją na mapie branżowych eventów. Wydarzenie ma na celu prezentację aktualnych trendów dotyczących m.in. szans i zagrożeń cyfrowego świata, technologii blockchain, zastosowania chatbotów, AI, machine learning, regulacji, czy sposobów transakcji.

          Pasaulio „fintech“ sunkiasvoriai sužiuro į Lietuvą      Cache   Translate Page      
Jungtinės Karalystės ir kitų šalių elektroninių pinigų įstaigos susidomėjo Lietuva, kuri Europoje save pozicionuoja regioniniu finansinių technologijų („fintech“) centru.
          Applied Systems Recognized in InsurTech 100 List by FinTech Global      Cache   Translate Page      
Company receives recognition as one of the world’s most innovative providers of digital solutions having a lasting impact on the insurance industry University Park, IL, Nov. 07, 2018 (GLOBE NEWSWIRE) — Applied Systems today announced it has been recognized in the InsurTech 100 list by FinTech Global. The InsurTech 100 is an annual list of […]
          C# Developer / Agile .Net Team Lead - FinTech      Cache   Translate Page      
C# Developer / Agile .Net Team Lead (Microsoft C# .Net Core Scrum). FinTech start-up, a peer-to-peer lending platform that has already lent £1 billion is seeking a senior C# Developer to act as a Team Lead for a new Agile Scrum development team. As a C# Developer / Agile .Net Team Lead you will lead 3-4 .Net Developers and work closely with a Product Manager in a hands-on role that will involve code reviews, architectural oversight and technical guidance; you'll be working across the full development lifecycle with a focus on backend development to deliver highly scalable and available eCommerce systems. The company is a technical innovator using SOLID design principles, .Net Core, microservices, JIRA, Confluence, as well as Continuous Integration, Continuous Delivery and Build Automation. This well-established start-up offers a good work / life balance in an informal collaborative environment that will allow you to have a great deal of influence. No finance experience required, making this an excellent opportunity to develop your business knowledge and advance your career. Requirements: *Strong experience with the Microsoft technology stack, .Net (C#), ASP.Net (MVC API), .Net Core *Team / technical leadership experience *Advocate of Agile Scrum development *Familiar with Unit testing (e.g. NUnit), Integration Testing, Mocking (e.g. Substitute) *Understanding of the core principles of building an SOA / microservices architecture *Familiar with Continuous Integration / Continuous Delivery / Build Automation *Excellent communication and interpersonal skills *Degree educated As a C# Developer / Agile .Net Team Lead you will earn a highly competitive salary (to £85k) plus benefits including 25 days holiday pension and medical insurance as well as regular social events. Apply now or call for a confidential discussion about this C# Developer / Agile .Net Team Lead opportunity.
          MOBI724 Global Solutions Initiates Blockchain Capability through Partnership with DLT Labs - Nasdaq      Cache   Translate Page      
MOBI724 Global Solutions Initiates Blockchain Capability through Partnership with DLT LabsNasdaqMONTREAL, April 10, 2018 (GLOBE NEWSWIRE) -- MOBI724 Global Solutions Inc. ("MOBI724" or the "Company") (TSX-V:MOS) (OTCQB:MOBIF), a Fintech leader offering all-in-one, fully integrated EMV payment, Card-Linked Offers, Digital Marketing and Business ...and more »
          Jokowi Bisa Tahu Pendukungnya dengan Salaman      Cache   Translate Page      

Liputan6.com, Jakarta - Calon Presiden petahana Joko Widodo (Jokowi) bisa mengetahui seseorang mendukungnya atau tidak dengan cara bersalaman. Menurut Jokowi, rasa saat bersalaman dengan pendukungnya dan tidak akan terasa berbeda.

"Jadi pas menyalami, saya tahu mana yang dukung dan tidak, terasa, ngerti betul," ujar Jokowi di Kawasan Ancol, Jakarta Utara, Rabu (7/11/2018).

Bahkan, Menurut Jokowi, dia bisa merasakan seseorang masih ragu dalam mendukungnya dengan cara bersalaman. Saat mengetahui orang tersebut masih ragu, Jokowi tak segan untuk kembali menemuinya.

"Oh, ini ragu-ragu. Besok saya temui lagi," kata Jokowi.

Sebelumnya, Jokowi membongkar cara memenangkan pemilihan umum (Pemilu). Cara paling mudah yakni dengan langsung mendatangi para calon pemilih.

"Caranya datangi dari pintu ke pintu," ujar Jokowi.

Jokowi mengatakan, saat dirinya hendak ikut pemilihan wali kota (Pilwalkot) Solo, cara tersebut dia lakukan hingga meraih kemenangan. Dia menggunakan cara tersebut lantaran tak ada yang mengenal dirinya di Solo.

"2004, tanyakan yang namanya Jokowi di Solo, ada yang kenal enggak? Saya jamin satu pun enggak ada yang kenal," kata Jokowi.

 

 

Bersaing Petahana

Presiden Joko Widodo saat berpidato dalam Bali Fintech Agenda IMF-WB 2018 di Nusa Dua, Bali, Kamis (11/10). Jokowi mengaku mengacu pada kebijakan Amerika Serikat (AS) yang merupakan negara kelahiran internet. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Pada saat Pilwalkot Solo tahun 2004, Jokowi mengaku dirinya bersaing dengan petahana, pengusaha yang terkenal di Solo. Sedangkan dirinya, menurutnya tak ada yang mengenalnya.

"Itu juga yang saya lakukan di Jakarta. Saya buka-bukaan. Tolong nanti kalau ada yang sudah menggunakan cara ini dan tidak berhasil, temui saya," kata Jokowi.


          Zoot Enterprises Wins Award For Early Childhood Excellence In Program Administration      Cache   Translate Page      

BOZEMAN, Mont., Nov. 7, 2018 /PRNewswire/ -- Zoot Enterprises, a Bozeman-based fintech company providing advanced origination, acquisition, and decision management solutions to a global client base, is pleased to announce that it has received the Early Childhood Excellence in Program...


          Cetif avvisa le banche italiane: va rivisto il modello di business       Cache   Translate Page      
Le recenti indagini condotte dal Cetif, in collaborazione con Gft Italia, hanno svelato un aspetto molto importante direttamente connesso con il sistema bancario. Secondo l'indagine del Cetif se le banche italiane vogliono stare al passo con i tempi, hanno bisogno di implementare politiche e strategie volte a conseguire adeguamenti organizzativi e tecnologici. Solo se gli istituti saranno capaci di attuare questa trasformazione, sarà per loro possibile cogliere le opportunità di business (sterminate) che derivano dai servizi online. L'indagine del Cetif, condotta su 15 istituti italiani nell'ambito del Digital Banking Hub, ha rivelato che se è vero che i consumatori trarranno vantaggio dalle novità introdotte dalle disposizioni della Psd2, è attrettanto vero che le banche italiane riuscitanno a fare di quest'obbligo una opportunità solo se si approcceranno nel giusto modo alla materia.  Cetif ha cerficato con la sua indagine che ad oggi la concorrenza è molto forte. Sono infatti presenti sul mercato diversi player che offrono user experience innovative. Secondo Paolo Gatelli, senior research manager nonchè responsabile della ricerca di Cetif, oggi è "opportuno distinguere minacce concrete, come quelle che provengono dai cosiddetti Over the top della digital economy, dalle opportunità insite nella collaborazione con la moltitudine di entità che gravitano nell’Universo delle Fintech e che sono il più efficace acceleratore di innovazione a disposizione del comparto bancario". Il manager, esaminando la situazione oggi in atto, ritiene che "per una Banca, anche solo concepire il servizio esposto tramite Api come un oggetto monetizzabile è un salto quantico ma necessario. Monitorare e gestire le interlocuzioni in un ecosistema fatto di terze parti, più innovative e dinamiche, è una sfida nella quale molti si stanno cimentando, così come quella di sfruttare l’immenso patrimonio informativo in loro possesso”. Per riuscire a fare banca in modo allineato con quelle che sono le più recenti evoluzioni è inutile riproporre schemi che andavano certamente bene in vecchio contesti ma non quelli attuali. E' necessario un adeguamento, quindi, e non solo nel modello di business ma anche nel sistema organizzativo. A tal riguardo, Franco Saracco, sales executive director di Gft Italia, ha affermato che la ricerca eseguita è il risultato "di una collaborazione che prosegue con successo da diversi anni e vede Gft e CeTif, impegnati attivamente nel settore bancario per interpretare e guidare le evoluzioni business, tecnologiche e organizzative. In questo contesto di cambiamento, Gft si pone in qualità di system integrator esperto e specializzato sulle nuove tecnologie per affiancare il cliente nella definizione di un modello di intervento, accompagnandolo in tutte le fasi del percorso verso il rinnovamento dei sistemi, garantendo la conformità normativa e ponendo sempre al centro la customer journey. In tale scenario, con riferimento all’Open Banking, sottolineiamo l’importanza del presidio dei rischi Grc (Governance/Risk/Compliance) e le implicazioni tecnologiche ed architetturali del ruolo di Aisp (Account Information Service Provider) che un istituto di credito potrà assumere, in base alla normativa Psd2”. Ma quale sarà il risultato finale di questa evoluzione? In pratica la ricerca Cetif ha posto l'accento sul fatto che il target a cui tendere è il concetto noto come "Bank as a Platform". Nel BaaP la banca propone contenuti e prodotti di altri in sinergia con i propri. L'obiettivo di fondo è quello di soddisfare ogni esigenza creando una serie di servizi a valore aggiunto ma dal costo minore. Una sfida tuttta da costruire secondo Cetif. 
          FinTech-focused SGVC pulls in $51m for Fund III      Cache   Translate Page      
SGVC has raised $51m for the final close of its oversubscribed third vehicle set to back Silicon Valley FinTechs.
          Embracing technology and regulatory partnerships in Asia      Cache   Translate Page      
Fintech and regulation are no longer opposing forces. Our Pan Asian Regulatory Summit discussed the value of regulatory partnerships and the use of technology in the region to combat financial crime, streamline compliance and improve cybersecurity....
By: Thomson Reuters Financial & Risk
          Tre tunge profiler køber sig ind dansk fintech-start up for "millionbeløb"      Cache   Translate Page      
Den danske crowdfunding-investeringsplatform for fast ejendom, Brickshare, forstærker nu bestyrelsen med tre nye personer fra den forholdsvis tunge ende af det danske start up miljø.  B ...
          Fintech Appoints Trey Williams as Chief Operating Officer      Cache   Translate Page      
...Operating Officer [November 07, 2018] Fintech Appoints Trey Williams as Chief Operating Officer TAMPA, Fla. , Nov. 7, 2018 /PRNewswire/ -- Financial Information Technologies, LLC (Fintech) announced today that they have selected Trey Williams for the position of Chief Operating Officer (COO).  As ...

          Fintech nombra a Trey Williams como director general de operaciones      Cache   Translate Page      

TAMPA, Florida, 7 de noviembre de 2018 /PRNewswire-HISPANIC PR WIRE/ -- Financial Information Technologies, LLC (Fintech) anunció hoy que ha seleccionado a Trey Williams para el puesto de director general de operaciones (COO). Como COO, Trey aporta más de 30 años de experiencia en...


          Comment on Tips For Choosing A Lender Or Fintech Firm by Ernie      Cache   Translate Page      
This was great advice.
          Technologies financières (Fintech) - Poste de professeur chevronné - Université McGill - Québec City, QC      Cache   Translate Page      
Les personnes handicapées qui pourraient avoir besoin d’accommodements à n’importe quelle étape du processus de candidature sont invitées à communiquer en toute...
From University Affairs - Wed, 24 Oct 2018 18:32:06 GMT - View all Québec City, QC jobs
          Frühphasen-Investitionen in Europa – vor allem Fintech- und Medtech-Startups profitieren      Cache   Translate Page      
Bei der Anzahl der Frühphaseninvestitionen liegen Großbritannien und Frankreich vor Deutschland. Allerdings sind die durchschnittlichen Investmentsummen hierzulande deutlich höher als in anderen EU-Staaten. Europaweit fließt das meiste Geld in Fintech- und Medtech-Startups. Jeweils mehr als 24 Prozent aller Frühphaseninvestitionen der letzten drei Jahre entfielen auf Startups aus Großbritannien und Frankreich. Deutschland liegt mit einem Anteil […]
          Unblocking The Blockchain      Cache   Translate Page      

Chad Cascarilla is CEO and co-founder of Paxos, a fintech startup that is regulated as a trust company. He spoke with Global Finance about the current state of blockchain, common misconceptions and why uptake among corporates seems slow.


          FCA warns against Fin-techPrime and National Refund Group      Cache   Translate Page      
The British Financial Conduct Authority has issued two new warnings against unregulated entities. The FCA has warned that Fintech Prime is an unregulated broker that is offering crypto CFD trading without the necessary authorization. Fin-Tech Prime allegedly has offices in... Read more
           Báo nước ngoài: Triển vọng Việt Nam trở thành trung tâm công nghệ tài chính Đông Nam Á       Cache   Translate Page      
Việt Nam - nền kinh tế được xem là phát triển nhanh nhất Đông Nam Á - có triển vọng trở thành trung tâm trong lĩnh vực công nghệ tài chính (Fintech) tại khu vực.Theo bài viết trên trang mạng theaseanpost.com, trong những năm gần đây, kinh tế Việt Nam có tốc độ tăng trưởng ấn tượng và ổn định. Năm 2017, tốc độ tăng trưởng đạt 6,8% - cao hơn 0,1% mục tiêu ban đầu của chính phủ. Nhờ tốc độ tăng trưởng kinh tế mạnh mẽ, tầng lớp trung lưu gia tăng, xu hướng tiêu dùng cao và số người sử dụng Internet ngày càng đông đảo – những điều này đã thúc đẩy phát triển nền kinh...
          Fintech Insider Live: Join us at Xerocon London      Cache   Translate Page      

If you’re not already familiar with the phenomenon that is the Fintech Insider podcast, now’s your chance! After incredible feedback from 2017, we’re super excited to welcome 11:FS back to Xerocon London 2018 to record Fintech Insider Live.

The post Fintech Insider Live: Join us at Xerocon London appeared first on Xero Blog.


          Ping An Powering Ahead with World-leading Fintech and Healthtech      Cache   Translate Page      
...of cities and millions of businesses through its ecosystems. • Massive real-life data – covered 880 million population across finance, transportation, healthcare, education and daily lives • Strong talent – 5 research institutions; 23,000+ technical talents; 1,000+ top scientists and 2 overseas ...


          Robo Advisor Whitebox: "Das Projekt meines Lebens"      Cache   Translate Page      
Whitebox wurde von zwei Frauen in Freiburg entwickelt. Bisher gibt es nur wenige Frauen in der Fintech-Szene.
          Jokowi Bisa Tahu Pendukungnya dengan Salaman      Cache   Translate Page      

Liputan6.com, Jakarta - Calon Presiden petahana Joko Widodo (Jokowi) bisa mengetahui seseorang mendukungnya atau tidak dengan cara bersalaman. Menurut Jokowi, rasa saat bersalaman dengan pendukungnya dan tidak akan terasa berbeda.

"Jadi pas menyalami, saya tahu mana yang dukung dan tidak, terasa, ngerti betul," ujar Jokowi di Kawasan Ancol, Jakarta Utara, Rabu (7/11/2018).

Bahkan, Menurut Jokowi, dia bisa merasakan seseorang masih ragu dalam mendukungnya dengan cara bersalaman. Saat mengetahui orang tersebut masih ragu, Jokowi tak segan untuk kembali menemuinya.

"Oh, ini ragu-ragu. Besok saya temui lagi," kata Jokowi.

Sebelumnya, Jokowi membongkar cara memenangkan pemilihan umum (Pemilu). Cara paling mudah yakni dengan langsung mendatangi para calon pemilih.

"Caranya datangi dari pintu ke pintu," ujar Jokowi.

Jokowi mengatakan, saat dirinya hendak ikut pemilihan wali kota (Pilwalkot) Solo, cara tersebut dia lakukan hingga meraih kemenangan. Dia menggunakan cara tersebut lantaran tak ada yang mengenal dirinya di Solo.

"2004, tanyakan yang namanya Jokowi di Solo, ada yang kenal enggak? Saya jamin satu pun enggak ada yang kenal," kata Jokowi.

 

 

Bersaing Petahana

Presiden Joko Widodo saat berpidato dalam Bali Fintech Agenda IMF-WB 2018 di Nusa Dua, Bali, Kamis (11/10). Jokowi mengaku mengacu pada kebijakan Amerika Serikat (AS) yang merupakan negara kelahiran internet. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Pada saat Pilwalkot Solo tahun 2004, Jokowi mengaku dirinya bersaing dengan petahana, pengusaha yang terkenal di Solo. Sedangkan dirinya, menurutnya tak ada yang mengenalnya.

"Itu juga yang saya lakukan di Jakarta. Saya buka-bukaan. Tolong nanti kalau ada yang sudah menggunakan cara ini dan tidak berhasil, temui saya," kata Jokowi.


          Reonomy Named to the 2018 CB Insights Fintech 250 List of Fastest-Growing Fintech Startups      Cache   Translate Page      

This post originally appeared on Marketplace Advertiser, Reonomy and is republished with permission. Find out how to syndicate your content with theBrokerList. CB Insights today named Reonomy to the second annual Fintech 250 list, a prestigious group of emerging private companies working on groundbreaking financial technology. “After we named the inaugural Fintech 250 in 2017, […]

RSS Feed provided by theBrokerList Blog - Are you on theBrokerList for commercial real estate (cre)? and Reonomy Named to the 2018 CB Insights Fintech 250 List of Fastest-Growing Fintech Startups was written by Reonomy.


          American community banks form fintech alliance      Cache   Translate Page      
A dozen American community and regional banks have formed a consortium, called Alloy Labs Alliance,...
          Inamo pilots contactless wearables in the US      Cache   Translate Page      
Inamo, a FinTech startup, makers of wearable devices announced today that it has begun the pilot of...
          Charting the course for success: Tips for an innovative 2019 payments strategy      Cache   Translate Page      
The payments landscape has advanced by leaps and bounds over the past decade. Once seen as a mere extension of the IT department, forward-thinking payments leaders have realised that a smooth payments experience can be the key to maximising sales conversion and driving revenue growth.Fintech networkNo longer is the payments function considered a cost centre […]
           致5000名创新者的年终福利:2019年十大行业预判重磅发布       Cache   Translate Page      

人们对未来的向往与渴求,从未像现在这样迫切。

从满足人民日益增长的美好生活需要出发

2017年10月,习近平总书记在十九大报告指出:“中国特色社会主义进入新时代,我国社会主要矛盾已经转化为人民日益增长的美好生活需要和不平衡不充分的发展之间的矛盾。”一时之间,如何满足人们日益增长的需求已经成为了社会各界人士关注的焦点。

2018年,人工智能产业迎来了真正落地的年份,无人驾驶、智能安防、智能家居、智能新金融、智能企服等新智能业态接连涌现,这些实实在在发生的变化,正诱使人们逐步将原本对智能产业的陌生感,转化为对美好生活的向往与追求。

在此背景下,我们关注到,人工智能技术正在推动关联技术和新兴科技、新兴产业的深度融合,比如新零售业态的便民服务、大健康产业的智能诊断和层出不穷的新品牌等,他们正通过新的方式满足人们新增的美好生活需求,从而逐步改变人们的生活。

这一切的变化,都离不开同一个群体——“创新者”,他们并不只是存在于人工智能产业,而是由各行各业的深度创新者发源而来,在不同的行业环境之下孕育而生。

赋能创新者,2019年十大行业预判重磅发布

人工智能的落地促进了各行各业的创新发展,对美好生活的向往滋生出多种多样的商业环境。那么,各大行业在2019年又将发生什么新的变化?新科技、新理念、新政策又将如何助推各个细分产业的发展?

作为一家产业创新服务平台,亿欧自2014年2月成立以来,持续研究产业创新、链接产业资本、把握产业政策、影响产业媒体。这一次,借2018亿欧创新者年会暨第四届创新奖颁奖盛典即将召开之际,我们特地围绕人工智能、汽车出行、大健康、家居、金融、零售、文创教育、智慧物流、生活服务、企业服务十大行业,将亿欧内部多位行业负责人、亿欧智库分析师等专家的2019年行业预判提前发布,共同为创新者赋能。

一、人工智能

热门领域:智能制造与硬件生态、新一代技术产业、深度学习、迁移学习

专家观点:自动化将成主流、智能制造等产业充满活力

2019年,5G将进入预商用时期,它将带动行业的全面发展,新的产品必将诞生。这一年,物联网也将迎来大爆发,它将围绕感知、计算、交互三点进行赋能。可以说,人工智能等前沿科技正在为各行各业创造新的发展机遇:

1)技术方向:人工智能将优化深度学习水平、增强迁移学习能力,进一步从感知智能跨越到认知智能;2)产品方向:它将带动智能硬件、传感器、机器人元件、AI芯片等细分领域的发展;3)行业方向:人工智能将为智能制造、无人驾驶、无人机、机器人、金融科技、医疗AI等细分领域的发展提速。

此外,智能制造在2018年已经拥有了一定的行业基础,它将与硬件生态产生联动,新一代信息技术产业也将逐步成熟,包括光学和声学、物联网、储存器、智能终端、液晶显示等领域。

但有一点值得注意的是,随着人工智能的发展,技术创新的门槛将越来越高,创新者的窘境或将进一步加剧。

二、汽车出行

热门领域:汽车流通、自动驾驶、新能源汽车、车联网

专家观点:更多车企走向整合,L4自动驾驶实现商业化

随着乘用车市场日趋成熟,市场增速持续放缓,甚至可能变为负增长。由于竞争逐渐激烈,更多车企将在2019年面临被整合的命运。在汽车流通领域,线上电商与线下经销商将加速融合,线索转化为交易的能力将不断提升。

随着油价上涨、电动车续驶里程不断提升、基础设施建设日益完善和环保方面的政策法规变得更加严格,新能源汽车仍然存在巨大增长空间。但受市场寒冬的影响,部分尾部造车新势力将面临集中淘汰,头部新造车势力则将在2019年迎来大规模交付。

仅是电动已无法满足市场的需求,智能网联电动车才是未来的发展方向,这就要求智能化技术不断升级。明年,智能网联汽车的相关政策将持续完善,5G等智能网联基础设施建设将会逐渐布局,自动驾驶、车载OS、OTA升级、V2X等智能网联技术将会加速落地并日益强大。甚至,部分自动驾驶公司的L4自动驾驶技术将初步实现商业化。

三、大健康

热门领域:医疗/生命科学、医药、健康管理、智慧养老

专家观点:持续关注非公医疗、科技医疗、新药研发与基因检测等领域

在2018年,医疗器械、生物技术、医药、医疗信息化等行业相对活跃。从2018年医健行业投融资事件来看,生物技术和制药领域企业最多(超150家),其次为医疗器械及硬件企业(超80家)。大健康作为IT业后的朝阳产业,它在2018年延续了产业风口,未来,健康保健、体检、智能可穿戴设备、消费医疗等不同于医疗体系的业态将进一步崛起。

另一方面,医疗/生命科学也值得重点关注,它可延伸至民营医疗、医疗服务/耗材、养老、体外诊断、精准医疗、基因诊断与治疗等领域。与此同时,未来10年将是中国创新药的黄金十年,医药行业值得继续关注。

四、家居

热门领域:供应链创新、家居新零售、整装

专家观点:供应链将成为行业爆破点,整装赋能时代正在开启

在2018年,供应链已经成为了最热话题,不光是中小公司,大公司、大品牌也已经试图跻身这条赛道“淘金”,在这些表象背后,我们应该深挖企业发展背后的经营逻辑。

新技术正在成为新零售的商业基础设施,新品牌正在成为持续发展的行业新生力量,新渠道和优质透明供应链正在成为行业新的爆破点,它们都将成为家居产业创新不可或缺的组织力量,这些恰恰是正在发生的未来。

未来几年,家居行业头部企业将趋于平台化方向发展,开启整装赋能的大时代,中国家居和家装行业开始加速一体化融合,优质家装企业会成为行业的有形资产。中国的家居行业内部变革将持续展开,目前仅处于起步阶段。

在未来,每一条赛道都将开始加速整合赋能,巨头之间的较量将会引发行业内部发生质的改变。因此,敢于拥抱产业互联网、敢于在大家居产业进行变革创新、敢于快速整合行业大生态以及优质力量的企业,才有可能赢得未来。

五、金融

热门领域:金融科技、消费金融、P2P网贷、供应链金融

专家观点:金融科技开始赋能B端,消费金融的多元化升级成为一大看点

2018年,金融行业发生了巨大变化,上千家曾试水过金融业务的互金企业在“金融的归金融,科技的归科技”这一监管背景下,转而向to B端输出技术、经验、解决方案等等。金融科技开始强调——赋能B端、服务C端。

另一方面,随着消费升级的逐渐深入,消费金融产业也趋于成熟。从持牌消费金融公司的目前发展来看,其先发优势在模式跑通后越发明显。相信在2019年,消费金融将迎来井喷期。此外,消费金融也不仅仅只满足于信贷业务本身,其多元化升级也将成为一大看点。

对于P2P网贷产业而言,2018年是极具里程碑意义的一年。在网贷爆雷潮下,P2P产业一片萧条,行业抱团艰难过冬。但令人欣慰的是,随着监管的明晰和备案进程的加快,网贷行业已经进入下半场的“剩者为王时代”。

整体来看,金融产业的关键变量从流量、场景、数据到技术逐渐递进。在“金融服务实体经济”的导向下,打通整个供应链的上、中、下游,在流量、场景和数据层面,通过技术全面赋能,才能深度变革供应链金融产业。

六、零售

热门领域:数字零售、新制造

专家观点:数字化战略正在加速实施,新制造将引发新的行业变革

早在2015年,中央政府工作报告就提出了“互联网+”,并在2017年提出“数字经济”,于2018年提出了“数字中国”,印证着提升数字化能力的重要性。马化腾也提到,数字中国建设代表着一个时代的变革与机遇,只有实现核心技术的突破,才能让数字创新深入各行各业。

数字化战略逐渐被零售企业所青睐并加速实施,在该战略的背后,突显的是技术水平的增强。未来,打造数字化能力已然成为零售行业发展的趋势所在。

另一方面,马云在今年的云栖大会上再次强调“新制造”的重要性。他表示,未来成功的制造业,都是用好互联网、IoT、云计算、大数据的新制造企业,如果把制造业所有机器设备、所有生产线的数据全部打通,并且全面智能化,将彻底变革原有的经济发展方式。

七、文创教育

热门领域:AI+教育

专家观点:AI+教育将迎来风口

李开复曾经说过,50%教育工作者的工作在未来将有可能被AI替代。随着技术和数据的不断完善,越来越多的大公司或大资本开始关注教育领域。

未来,人工智能的发展将会逐步丰富教育行业的授课形式,“AI+教育”行业将在2019年登上风口,它将进一步对教育资源的再分配、授课形式带来新的影响。但值得注意的是,AI+教育仍处于萌芽状态,无法预测未来的行业格局。

八、智慧物流

热门领域:物流信息系统、物流设施设备、货运O2O平台

专家观点:人口红利正在消失,物流产业面临场景化落地的挑战

目前,包括快递、同城、冷链、仓储、专线等在内的传统物流产业正面临着人口红利消失、运营成本高但作业效率低的问题,他们对新科技、新理念、新政策存在着强需求。

在2019年,无车承运、绿色物流将有可能成为行业发展过程中涌现的新词汇,但行业发展同样面临着场景化落地的挑战。在创投方面,2019年关注度较高的三个领域分别是:物流信息系统、物流设施设备、货运O2O平台,在云计算、人工智能、大数据日趋成熟的背景下,物流企业的发展将迎来新的可能。

九、生活服务

热门领域:智能化+餐饮、零售化+餐饮

专家观点:餐饮智能化是大势所趋,餐饮零售化将愈演愈烈

先来讲讲智能化+餐饮。随着信息技术应用与餐饮业的不断融合,互联网信息技术为餐饮智能化提供了坚实的技术支撑,以精细化、科学化管理作为切入点,运用新技术、新科技和新理念帮助餐企摆脱三高一低的困境也为消费者带来了不同的消费体验,比如送餐机器人、刷脸支付、无人餐厅、自动售饭机等。

再来谈谈零售化+餐饮。通过大数据来实现人、货、场重构,这是新零售普遍的定义。对于餐饮行业来说,人、货、场代表着消费的用户、餐厅、用户消费的食品和服务。而要想实现这种重构,必须建立在行业数字化的基础上,才能够给用户带来全新体验。

随着餐饮品牌们对线上流量的熟练运用、线下短途即时配送的成熟、后端供应链的不断变革,以及餐饮产品标准化程度的越来越高,除堂食外,餐饮企业未来触达的渠道和场景将越来越多,比如外卖、便利店、智能自助取餐机/咖啡机、电商等。与此同时,由于餐饮零售化趋势的不断兴起,甚至演变出了盒马鲜生、瑞幸咖啡、喜茶等为代表的餐饮新物种,在未来,这种趋势将愈演愈烈,。

十、企业服务

热门领域:上云、云计算、智能制造、垂直行业的SaaS服务

专家观点:云化将成为企业产业转型的基础手段

从大市场来看,中国计划2019年实现云计算产业规模4300亿元,2018年整体规模不到1000亿元,重要政企单位和大型企业都在积极推动内部、外部信息化,信息化管理工具付费意识也逐年向好,特别是伴随中国互联网巨头在云计算、to B服务、数字信息化工具的发力,企业服务商的市场机会将越来越大。

工信部发布“企业上云实施指南”,这一节点事件真正将中国企业云化变为新常态,政策驱动下从政企单位到各产业公司,企业信息化、数字化、业务云化、智能化解决方案都将成为驱动企业发展的核心方向。在大趋势下,企业服务市场将迎来新的发展机遇,投资人对to B市场的重视将鼓励现有创业者、催生新的创业者,从客户市场到投资市场都将迎来新的发展机会。

而从场景角度来看,垂直行业信息化解决工具将倍受投资人青睐,针对单一领域或行业的SaaS型解决工具市场份额十分可期,2019年云化趋势下,投资者的投资举措将更加频繁,能够提供好服务的企业服务公司将获得更大的发展空间。

看完了重磅发布的2019年十大行业预判,是否觉得还意犹未尽呢?没关系,2018年创新者福利来啦!

2018年11月29-30日、北京国贸大酒店,我们将以“智能产业·美好生活”为主题,在两天时间内以“1+6”组织架构的会议形式,将100+产业大佬、20+顶级投资人的分享一一呈现给大家,这将是一场聚焦5000名创新者的年度狂欢盛宴。

2018亿欧创新者年会暨第四届创新奖颁奖盛典第一天的“领袖峰会”上,您将听到由中国工程院院士倪光南、全球CEO发展大会联合主席龙永图、西湖大学校长施一公、长江商学院教授许成钢、著名学者《伯凡时间》创始人吴伯凡、Star VC创始合伙人任泉、德同资本创始主管合伙人邵俊、亿欧公司总裁王彬等嘉宾对最新商业趋势的精彩解读。

还有——

在会议第二天,我们将举办六场分论坛,分别是:新技术·新动能创新者论坛大健康创新者论坛小程序创新者论坛金融科技创新者论坛企业智能服务创新者论坛未来新零售创新者论坛,在这场为期两天的大会上,你将能够获得最新、最全、最热的行业预判,以及近距离与行业专家面对面交流的机会!点击获得“双十一创新者福利票”,一站直达7大会场:

http://t.cn/Ewtjstu


          Growing fintech opportunities emerges from banking review      Cache   Translate Page      
Press Release – Make Lemonade While the results from the review by the Financial Markets Authority (FMA) and the Reserve bank could have been more positive, New Zealand banks have been looking at options to improve customer experience and embrace the fintech community which is …While the results from the review by the Financial Markets […]
          Fintech : Lydia assure le smartphone de ses clients      Cache   Translate Page      
L’application française, spécialisée initialement sur les paiements entre particuliers, étoffe sa gamme de services. Ce 6 novembre, elle lance avec...
          Transfert d'argent : TransferWise promet 365 millions d'euros d'économies aux Français      Cache   Translate Page      
TransferWise, spécialiste britannique des transferts d’argent en devises, est une des fintechs européennes les plus prometteuses. Son credo : des...
          Robo Advisor Whitebox: "Das Projekt meines Lebens"      Cache   Translate Page      
Salome Preiswerk

Whitebox wurde von zwei Frauen in Freiburg entwickelt. Bisher gibt es nur wenige Frauen in der Fintech-Szene.


          Frühphasen-Investitionen in Europa – vor allem Fintech- und Medtech-Startups profitieren      Cache   Translate Page      

Bei der Anzahl der Frühphaseninvestitionen liegen Großbritannien und Frankreich vor Deutschland. Allerdings sind die durchschnittlichen Investmentsummen hierzulande deutlich höher als in anderen EU-Staaten. Europaweit fließt das meiste Geld in Fintech- und Medtech-Startups.

Jeweils mehr als 24 Prozent aller Frühphaseninvestitionen der letzten drei Jahre entfielen auf Startups aus Großbritannien und Frankreich. Deutschland liegt mit einem Anteil von 12,65 Prozent der Frühphaseninvestitionen in diesem Zeitraum EU-weit auf Platz 3. Das geht aus einer Untersuchung von Techstars, Stripe und Tech.eu hervor. Während hiesige Startups offenbar seltener mit ...

weiterlesen auf t3n.de
          AlphaCore's factorE Announces Integration with SS&C's Black Diamond® Wealth Platform      Cache   Translate Page      

LA JOLLA, Calif., Nov. 7, 2018 /PRNewswire/ -- AlphaCore Technologies, a subsidiary of La Jolla-based wealth management firm AlphaCore Capital, announced today the release of version 1.0 of factorE – a fintech tool built for intelligent investing. To provide seamless workflow, factorE has ...


          Reviewed: New Name, Logo, and Identity for Pay.UK by SomeOne      Cache   Translate Page      

“Above my Pay Grade”

New Name, Logo, and Identity for Pay.UK by SomeOne

Established in 2017 as New Payment System Operator ("NPSO"), the newly renamed Pay.UK is the UK's leading retail payments service provider that allows individuals and businesses to, among other things, get their salaries, pay their bills, and make online and mobile banking payments. In 2017, £6.7 trillion moved through their system, enabling £17.5 billion in payments every single day. Pay.UK is sort of the new parent brand of pre-existing payment services like Bacs Direct Credit, Direct Debit, Faster Payments, cheques and Paym. This past October, Pay.UK introduced its new identity, designed by London, UK-based SomeOne, who also conceived the name.

The feedback we got from stakeholder research was that a new name had to be 'short and snappy', and 'literally describe what we do'.With this in mind we renamed the organisation Pay.UK in recognition of its essential national service and digital future.

SomeOne project page

New Name, Logo, and Identity for Pay.UK by SomeOne
Logo, static.
The identity itself had not only to be solid and simple, but also be contemporary enough to attract new fintechs entering the UK market. We wanted to get across the idea that Pay.UK was constantly 'in motion' and not rigid as an institution.

To go with the new name, SomeOne created a continuously moving brand mark representing the organisation's 'gears in motion' and desire to be the 'beating heart' of UK payments. When seen statically, the mark should never be the same, reflecting the unique payment patterns of every UK individual.

For this to be truly dynamic, the digital team at SomeOne developed a generative logo creator - an application where anyone could create their own version of the Pay.UK symbol.

SomeOne project page

Logo, animated.
Icon animation.
Logo generator.

The old name sounded more like a category than an organization's name -- "New Payment System Operator" sounded more like "Telecommunications Service Provider" than "AT&T". Pay.UK is so unbelievably simple it's a surprise they were able to take it. To a certain degree it almost sounds like a government agency and I don't know if that's a little misleading in giving the organization more apparent power than it has or than it should have. Anyway: good name, yo. The old logo didn't help the name much, looking like a Nutrition Fact line item. The new logo is... different. As I'm trying to write this paragraph, I find myself starting and stopping on trying to assess the icon. One part of me appreciates how different it is -- in either static or animated form -- and trying to create almost a new category of icon. Another part of me finds it, particularly in motion, pretty disturbing. It's like the inside of the mouth of a villain's robot mascot that eats things. The individual shapes of the icon are not pleasant either. It's really weird. I'm very much looking forward to reading the comments because I'm so unsure on this one.

The wordmark is actually nice, especially given that it's a font straight out of the box. In its simplicity it helps ground the icon and the size relationship in the lock-up makes the name the most visible element.

The word mark and brand's typography all use Source Sans, Adobe's first open source typeface family, primarily designed for user interfaces. As part of the brand world, this sits alongside a no-nonsense black and white colour palette and colour photography depicting the 'real life' end users - people across the UK benefitting from fast, secure payments.

SomeOne project page

New Name, Logo, and Identity for Pay.UK by SomeOne
Business cards.
New Name, Logo, and Identity for Pay.UK by SomeOne
New Name, Logo, and Identity for Pay.UK by SomeOne
Booklet covers and spreads.

The booklet covers achieve a very interesting, almost United-Nations-like look, that makes the identity feel very authoritative but, as paired with the customer photography, also accessible.

New Name, Logo, and Identity for Pay.UK by SomeOne
Brand pattern.
New Name, Logo, and Identity for Pay.UK by SomeOne
Lanyards.
New Name, Logo, and Identity for Pay.UK by SomeOne
Website.
New Name, Logo, and Identity for Pay.UK by SomeOne
Lobby.
New Name, Logo, and Identity for Pay.UK by SomeOne
Conference room. Spoiler: Icon does not work in single color.
New Name, Logo, and Identity for Pay.UK by SomeOne
Mug.

Overall, there is a confusing sense of what the exact positioning of this is: is it a government agency? A business-to-business corporate brand? A direct-to-consumer retail brand? Am I supposed to fear it like the IRS or embrace it like Shopify? Sorry, more questions than answers today.


          Deutsche Bank's DWS to acquire stake in Dubai-based fintech company      Cache   Translate Page      
Dubai-based NEO Technologies has previously worked with Kuwait's NBK Capital
          (IT) Java Contract Developer - £800 per day - Fintech Start-up      Cache   Translate Page      

Rate: £800 per day   Location: London   

Very interesting opportunity for an experienced Java consultant to join an exciting Financial Technology Start-up. The management team has an extensive track record across two key aspects of investment globally, and has been backed heavily by a smaller number of investors of differing profiles. The chances of the company achieving its short and medium term goals appear to be extremely high. The currently exists a requirement to build a small and highly capable development team, consisting of both permanent and contract members of staff. The management recognise both the benefit of employing a number of contractors to supplement permanent team, and the fact that some applicants may prefer the choice of contract when considering a start-up. Given the broad range of technical projects to be delivered, there is not a specific requirement for particular business experience. Rather, knowledge of the hedge fund or investment banking industry; front office or trading systems; settlements/Back Office/risk management are all of interest. Technology requirements: Proven senior/lead developer with excellent design skills, knowledge of real-time, multi-threaded systems and OO programming. Java 8 (~ equivalent).
 
Rate: £800 per day
Type: Contract
Location: London
Country: UK
Contact: Jamie Peters
Advertiser: Westbourne Partners Ltd
Email: Jamie.Peters.3B5AE.D150B@apps.jobserve.com
Start Date: asap
Reference: JSWP/JP/JAVA1

          (IT) Senior Java Developer      Cache   Translate Page      

Rate: £550 - £650/Day   Location: Central London   

Senior Java Developer - Spring Boot - Microservices - Cloud Our Client, a FinTech Company in the West End, are currently looking to recruit a Senior Java Developer with excellent experience and enthusiasm in clean code and strong development principles. Our Client have recently embarked on a large transformation project and are introducing lots of new technologies and ideas so this an ideal opportunity for a seasoned Senior Java Developer to come on board and really shape the direction of their technical landscape, utilizing your strong Server Side, Clod and Microservices experience. As a Senior Java Developer, you must have considerable experience working on high transactional projects in strong development environments, ideally within Finance although not absolutely mandatory, other domains such as E-commerce, Gaming/Gambling/Betting will also suffice. Key Skills: Java JPA/Hibernate Spring Boot JUnit or similar SQL or any other databases Cloud technologies - ideally Google Cloud (AWS or Azure will also suffice) Microservices More information is available upon request. Key skills: Java Developer - Java - J2EE - Spring Boot - JAP - Hibernate - Microservices - Cloud - Google Cloud - AWS - Azure - Finance - Banking - Trading - FinTech - SQL - London
 
Rate: £550 - £650/Day
Type: Contract
Location: Central London
Country: UK
Contact: Nazia Ali
Advertiser: Consultia Ltd
Email: Nazia.Ali.8367C.80BD7@apps.jobserve.com
Start Date: ASAP - will wait
Reference: JS/NA/JAVA/2061C

          (IT) Java Developer. Greenfield|Front Office|Trading. £600-£650/day      Cache   Translate Page      

Rate: £600 - £650 per Day   Location: London   

Java Developer. Greenfield Front Office Trading. £600-£650/day Java Developers are needed for a Greenfield build of a Fixed Income & Equities Trading system in an Investment Bank. Having recently announced the investment into FinTech companies in 2019 will hit an all time high of almost $10 billion globally, one of our major clients, an emerging market making Investment Banks are continuing to expand their Java development team, building a Fixed Income trading platform and also opening up a Java FinTech arm, where they will commoditise and monetise their Java 8 platform to sell to external clients. As such they offer a unique sector-specialist model across frontier markets. These Java developer roles are paying £600-£650/day on a 6 month rolling long term Java Greenfield platform. The Bank is looking for 2x Senior Java developers who are keen to work in a Front Office trading environment. You will be working within an agile team, on a Java, Greenfield Fixed Income trading platform. The role is to work on their next generation Java 8, Fixed Income and Equities trading platforms, Working closely with key stakeholders including Head of Electronic Trading product, Head of Equities, Head of Technology Development, Equities Trading desks across the regions, and help design, build, and maintain a high-performance, high-availability, yet nimble and adaptive cloud-based Equities & Fixed Income Trading platform Key Skills required for the Java developer role:. Understanding of Fixed Income Trading workflows.. Understanding of Fixed Income analytics/Equities Pre-Trade, In-Trade and Post-Trade analytics. Thorough knowledge of Java & low level concepts such as Multithreading and low latency. Strong knowledge of data structures, algorithms and design patterns. Prior experience/comfort with Enterprise cloud services like Amazon Web Services, Azure, Google Cloud Platform. Strong track record of delivering and supporting final products in Fixed Income Trading space. For immediate consideration for these Java developer positions please contact Shanice Tatter. E: (see below)
 
Rate: £600 - £650 per Day
Type: Contract
Location: London
Country: UK
Contact: Shilen Shah
Advertiser: Gravitas Recruitment Group Ltd
Email: Shilen.Shah.9F986.BC13F@apps.jobserve.com
Reference: JS-BBBH53934

          Technologies financières (Fintech) - Poste de professeur chevronné - Université McGill - Québec City, QC      Cache   Translate Page      
Les personnes handicapées qui pourraient avoir besoin d’accommodements à n’importe quelle étape du processus de candidature sont invitées à communiquer en toute...
From University Affairs - Wed, 24 Oct 2018 18:32:06 GMT - View all Québec City, QC jobs
          Content Creator (w/m) - VAI - Berlin      Cache   Translate Page      
Wir sind ein junges und schnell wachsendes FinTech-Startup mitten in Berlin. Mit Fokus auf den B2B-Bereich ist es unser Ziel, kurzfristige...
Gefunden bei VAI - Sat, 11 Aug 2018 05:46:42 GMT - Zeige alle Berlin Jobs
          Senior Database Developer - For Fintech Company in NYC      Cache   Translate Page      
NY-Manhattan, Sr. Oracle Developer Role at a Fin. Tech in Mid Town- My client has mutiple roles open right now. You will need to code for database access, modifications, and constructions including stored procedures. At least 8-10 years of experience in the field or in a related area. Demonstrates expertise in a variety of the field's concepts, practices, and procedures. Will provide consultation on complex pro
          Technologies financières (Fintech) - Poste de professeur chevronné - Université McGill - Québec City, QC      Cache   Translate Page      
Les personnes handicapées qui pourraient avoir besoin d’accommodements à n’importe quelle étape du processus de candidature sont invitées à communiquer en toute...
From University Affairs - Wed, 24 Oct 2018 18:32:06 GMT - View all Québec City, QC jobs
          [Étude] Les Français favorables au paiement en espèces pour un achat en ligne      Cache   Translate Page      
Les cyberacheteurs sont de plus en plus nombreux : 96% des Français ont recours aux achats en ligne. TSI Payment, fintech française, a réalisé avec l'Ifop un sondage sur les modes de paiement, et plus particulièrement sur l'usage des espèces dans le cadre des achats en ligne en France et en Europe.
          PwC Launches New Fintech Capability Called ‘Vulcan Digital Asset Services’      Cache   Translate Page      

CoinSpeaker
PwC Launches New Fintech Capability Called ‘Vulcan Digital Asset Services’

One of the leading consulting services companies has developed a new platform that will enable digital assets to be used for a range of services, including everyday commerce, banking, and other personal currency and asset related services.

PwC Launches New Fintech Capability Called ‘Vulcan Digital Asset Services’




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