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          12/4/2018: DIVERSIFICATION //: CALASTONE PASSE À LA BLOCKCHAIN      Cache   Translate Page      
Le distributeur de fonds londonien Calastone recourra à la blockchain pour l’ensemble de ses transactions à partir de mai. La fintech compte parmi ses clients des sociétés de gestion comme JP Morgan AM, Schroders ou Invesco. Le passage à la blockchain...
          The Big Issue adapts to cashless habits by equipping vendors with contactless tech      Cache   Translate Page      

The Big Issue magazine is trialling contactless payments for its vendors in a bid to combat the UK public's increasing tendency to go cashless, relying on card and smart payment systems.

20 mag sellers across London and Bristol will trial the contactless payments to make it easier for the public to pick up copies of the magazine, without having to dig out change or withdraw money.

Fintech company iZettle is helping with the launch, informing the publication with its research. The drive is built on insight claiming that one in five Brits never carry cash anymore. Meanwhile, research shows that contactless payments doubled in 2018 to 5.6bn transactions, while note and coin usage dropped by 15%.

Edward Hallett, managing director of iZettle UK, said: "We’re constantly looking at ways we can aid financial inclusion so it’s fantastic that we’ve been able to partner with The Big Issue, giving sellers access to tools that will help them manage in an increasingly cashless society.

"Now, people who aren’t carrying cash can simply tap-to-pay and show their support by buying a magazine. Our partnership ensures that vendors never have to miss out on a sale again.”

Easton Christian, a Big Issue seller in White City, London, said: “I’ve definitely noticed a dip in the number of people carrying cash, which has had a knock-on effect on the number of magazines that I’m able to sell.”
 
“Accepting contactless payments as well as cash, can only be a good thing as it will allow me to sell more magazines and grow my business.”

Trials will be contained in five UK cities and expanded nationally after.

Vendors buy the magazines for £1.25 and sell to the public for £2.50. A bumper Christmas edition is priced at £3.

The title was launched in 1991, and since then 200m copies of The Big Issue magazine have been sold by over 100,000 vulnerable people. 


          Banks will be hit with 'massive disruption' from fintech in the next five years, Klarna CEO says      Cache   Translate Page      
Sebastian Siemiatkowski said new regulations and the rise of tech-driven banking players are a recipe for significant competitive pressure on traditional lenders.
          Social Media and Community Manager - CRYPTO FINTECH - North America - Wirex - Toronto, ON      Cache   Translate Page      
PR experience is advantageous. Wirex is an exceptionally high growth FinTech startup....
From Wirex - Tue, 23 Oct 2018 03:22:09 GMT - View all Toronto, ON jobs
          Analyst, Risk & Modeling - Thinking Capital - Montréal, QC      Cache   Translate Page      
Leveraging our success in the FinTech industry, we are building the next-generation lending platform designed to allow us to own the rails on which small...
From GlassDoor.com - Tue, 04 Dec 2018 23:40:31 GMT - View all Montréal, QC jobs
          Jr Linux Admin/Desktop Support - VersaPay - Toronto, ON      Cache   Translate Page      
About VersaPay Corporation VersaPay is a Fintech company and leading provider of cloud-based invoice-to-cash solutions, enabling businesses to provide a...
From GlassDoor.com - Tue, 04 Dec 2018 23:34:23 GMT - View all Toronto, ON jobs
          Content & Training Specialist - Thinking Capital - Montréal, QC      Cache   Translate Page      
Company Description Thinking Capital is the leader in the Canadian Alternative Lending space, leveraging technology to be at the forefront of the FinTech...
From GlassDoor.com - Tue, 04 Dec 2018 23:40:31 GMT - View all Montréal, QC jobs
          Hunton Recognized in Chambers and Partners 2019 FinTech Guide      Cache   Translate Page      
Hunton Andrews Kurth LLP is pleased to announce that the firm was recognized in the inaugural Chambers and Partners 2019 FinTech guide, and Lisa Sotto was ranked in the Band 1 category for Data Protection and Cyber Security. Continue Reading
          Cloudy outlook for compliance as new forms of technology loom      Cache   Translate Page      
Compliance officers will need to be comfortable working in a tech-enabled environment in future, as new innovations and solutions look poised to transform their workplace, industry officials said. New forms of technology such as machine learning, artificial intelligence (AI) and robotic process automation could have the potential to transform the role of the compliance officer but may also lead to a reduction in headcount as machines take over more of the work. As financial institutions aim to reduce costs and increase efficiency across the board, some departments that have seen a large increase in headcount in the last decade, such as compliance and operations, could be in the firing line, some officials said. "Banks are now asking more what they can do around AI," said Greg Watson, global head of sales at Irish fintech firm Fenergo. "They can't sustain 4,000 people in the operations team churning KYC [know your client] each year. It doesn't make sense. There's margin pressure
          I QUIT!      Cache   Translate Page      

You guys! I quit! I officially quit my job as a corporate controller and holy hell, I never thought this day would come. Last Thursday was my official last day working as a controller for a fintech company in San Francisco, and I’m not sad about it one bit. Today ...

The post I QUIT! appeared first on The Vintage Rug Shop.


          (USA-PA) Commercial Payables - Sr Product Manager (Work at Home)      Cache   Translate Page      
Description The Commercial Payables Product Manager provides strategic direction and oversight across the onboarding process for Citizens Bank Payables customers. This role will serve as the connective tissue across Citizens Bank Sales, Product, Implementations, Operations, Account Management and Servicing functions that in the end, define the customer experience for new Citizens Bank customers. The Commercial Payables Product Manager will streamline and accelerate the onboarding process for new Commercial Card and Payables customers as a means to realize payables spend potential, sooner. + Champion of the Customer Onboarding process with a goal for faster speed to spend across Commercial Card and Cash products (ACH, Wire etc.). + Work with Sales to gather accurate Solution Requirements, vet those requirement internally, and ultimately validate the solution set with the Customer and internal CFG constituents alike. + Ownership of this Onboarding process includes but is not limited to: + Partnering with Sales across Card and Payables products + Close integration with Sales, Product, & Implementations to document & validate Customers’ needs across CFG Payables products. + Work closely with Implementations Team to ensure metrics are in place to quantify time to market, and improve upon speed to speed to spend deliverables. + Serve as both liaison and ultimate resolution, for escalated servicing issues for CFG’s largest, strategic customers; particularly for issues that require Commercial Product expertise. + Ensure cross-collaboration between internal constituents (Operations, Sales, Implementations etc.) where these customers have multiple TS Products in place (Card and Cash). Responsible for building and maintaining healthy relationships with internal and external service partners. Qualifications + Subject matter expertise in Commercial Card payments as well as knowledge of other Payables types (ACH, Wire, Check). + Understanding of FinTech B2B, Card networks, Card Processing (TSYS), fraud and risk strategies, and general Card operations. + Project management and product delivery experience, particularly in a matrix environment. + Ability to understanding and document client needs, and translate into needs into appropriate and realistic solution set. + Experience with effectively building cross functional partnerships as well as negotiating with good judgment among multiple stakeholders who may have conflicting needs. + Strong communication skills + Detail oriented, but maintains a big picture view at the same time. + Self-starter, goal oriented, proactive rather than reactive. + Gains the confidence of others through proven expertise and the ability to communicate. + Appropriate mix of technology & product expertise to ensure the merging of technology/business needs for CFG and customers alike. Education + Bachelors Degree required Hours and Work Schedule Hours per Week: 40 Work Schedule: Monday - Friday Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth. Equal Employment Opportunity It is the policy of Citizens Bank to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws. Equal Employment and Opportunity Employer/Disabled/Veteran Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania.
          IMF: The case for a new digital currency      Cache   Translate Page      
https://www.imf.org/en/News/Articles/2018/11/13/sp111418-winds-of-change-the-case-for-new-digital-currency 1. The changing nature of money and the fintech revolution Let me begin with the big issue on the table today—the changing nature of money. When commerce was local, centered around the town square, money in the form of tokens—metal coins—was sufficient. And it was efficient. The exchange of coins from one hand to […]
          Easypay apresenta nova identidade corporativa      Cache   Translate Page      

A easypay, fintech portuguesa especializada na área de pagamentos, acaba de apresentar ao mercado a sua nova identidade corporativa.

O post Easypay apresenta nova identidade corporativa aparece primeiro no Meios & Publicidade.


          Új versenytársuk támad a brit neobankoknak      Cache   Translate Page      

A Zopa a hitelezésben már megvetette a lábát, és úgy látják, hogy a bankok között is van helyük.

Új versenytársuk támad a brit neobankoknak | FinTechRadar.


          Corporate & Financial Weekly Digest, Featuring Articles on Smart Contracts, Updates to Uncleared Swap Margin Requirements and Electronic Payment Regulation Updates      Cache   Translate Page      
CFTC - CFTC’s LabCFTC Releases Primer on Smart Contracts - On November 27, the Commodity Futures Trading Commission’s LabCFTC released “A CFTC Primer on Smart Contracts” to provide information on a variety of financial technology (FinTech) topics....
By: Katten Muchin Rosenman LLP
          Xero Launches Open Banking API to Bring Financial Data to Businesses      Cache   Translate Page      

Xero, the small business platform, recently announced the coming launch of its open banking API, aimed at enabling banks, fintechs and financial institutions to offer their customers faster access to bank feeds.


          Folyószámlát is kínál az amerikai T-Mobile      Cache   Translate Page      

A termék egyelőre csak tesztüzemben, limitáltan érhető el az Egyesült Államokon belül is.

Folyószámlát is kínál az amerikai T-Mobile | FinTechRadar.


          Swift takes on fintechs with new payment system      Cache   Translate Page      
Banks seek to hedge tech bets with legacy platform’s latest pilot
          CommonBond acquires NextGenVest      Cache   Translate Page      
CommonBond, a leading fintech company that lowers the cost of education through data and technology,...
          CommonBond braces for shift to Gen Z in buying student-coaching fintech      Cache   Translate Page      
The online lender has acquired NextGenVest, which uses AI and text messaging to advise high school and college students about getting loans. CommonBond’s goal is to better understand the distinctly different demographic group rising behind millennials.
          Experian leads $10M investment in Southeast Asia fintech startup Jirnexu      Cache   Translate Page      
Consumer credit giant Experian is continuing to back Asian fintech startups after it led a $10 million investment in Southeast Asia’s Jirnexu . Jirnexu, which is headquartered in Kuala Lumpur, operates financial comparison services in Malaysia and Indonesia. Those services aggregate offerings and deals from banks and financial services companies, effectively acting as a user acquisition […]
          Central Bank Digital Currency Threatens Financial Privacy and Economic Growth      Cache   Translate Page      

Various proposals for “central bank digital currency” (CBDC) have been under discussion for several years now. The central bank of Ecuador launched a digital currency in 2015 — and shut down the failed project three years later. A number of economists have addressed the topic.

What is a CBDC? It is a payment medium that would be denominated in the established fiat money unit, not in any new unit. There are two main models: (1) a digital token that, like traditional coins and currency notes, and like Bitcoin, passes peer-to-peer without going through the interbank clearing system, presumably validated by a distributed-ledger blockchain system; and (2) account balances that individuals and businesses can directly hold on the books of the central bank, retail versions of the balances that commercial banks presently hold there for interbank payments. The latter model is not really properly called a currency, being a deposit-transfer system, but it is put under the “digital currency” umbrella because it resembles fiat currency notes in being a liability of the central bank, and as such a “final” means of payment, and because transactions would settle nearly instantly on a single balance sheet.[1]

The debate over CBDCs was recently revived by the IMF’s Managing Director Christine Lagarde in a speech suggesting, rather tentatively, that central banks should consider issuing some kind of digital currency so as to keep up with the times. (Why on earth the IMF continues to exist, long after the demise of the Bretton Woods system that it was created to support, is a question for another time.)

Lagarde begins her speech with a potted history of money. Although she does not attribute the origin of money to the state, she suggests that the state helps to improve money. Once bank-issued money arose, “spearheaded by the Italian bankers and merchants of the Renaissance,” trust in the issuer became important. Thus: “Trust became essential—and the state became the guarantor of that trust, by offering liquidity backstops, and supervision.” The timeline matters here. In fact, Italian bankers began providing money payments via transferable account balances some time before 1200 AD, whereas European states provided nothing in the way of “liquidity backstops, and supervision” until many centuries later. So state guarantees were not essential to the spread of bank-issued money historically. Nor was the popularity or safety of private banknotes, as issued by 17th century London goldsmiths, or by 18th and 19th-century Scottish or Canadian bankers, historically dependent on state guarantees.

Lagarde rightly notes that “the fintech revolution … questions the role of the state in providing money.” She points to the recent proliferation of digital private payment providers “from AliPay and WeChat in China, to PayTM in India, to M-Pesa in Kenya” and namechecks “cryptocurrencies such as Bitcoin, Ethereum, and Ripple.” She expresses her own position on the desirable monetary role of the state in surprisingly tentative language: “Some suggest the state should back down. Still, I am not entirely convinced. … I believe we should consider the possibility to issue digital currency. There may be a role for the state to supply money to the digital economy.”

On the plus side of the CBDC ledger, Lagarde proposes that a central bank digital currency “could satisfy public policy goals, such as (i) financial inclusion, and (ii) security and consumer protection; and to provide what the private sector cannot: (iii) privacy in payments.” Wait, what? It is of course laughable that a government would itself provide greater privacy in payments than it allows private institutions to provide. Could this have been a joke intended to lighten the mood of the speech? The private sector can in fact provide as much financial privacy as customers desire, as numbered Swiss bank accounts once did, and as “privacycoin” crypto projects today remind us. Lack of privacy stems from government restrictions, not from private-sector inability.

Lagarde says that “There may be scope for governments to encourage private sector solutions” to the problem of financial inclusion “by providing funding, or improving infrastructure.” More effective ways to encourage private sector solutions to banking the unbanked would be (a) deregulation, especially not requiring permission for innovations in mobile and other payment platforms, (b) guarantees not to interfere in private payment platforms once launched, and (c) guarantees on the privacy of private sector accounts from government surveillance, which might help to attract some of the warily unbanked to deposit use.

To her credit, Lagarde recognizes that people value the privacy provided by currency: “Cash, of course, allows for anonymous payments. We reach for cash to protect our privacy for legitimate reasons: to avoid exposure to hacking and customer profiling, for instance.” But she is vague at best, and dissembling at worst, on how deposits on the central bank’s books would insure privacy. She promises that customer identities “would not be disclosed to third parties or governments unless required by law,” but adds: “Anti-money laundering and terrorist financing controls would nevertheless run in the background. If a suspicion arose it would be possible to lift the veil of anonymity and investigate.” Would any suspicion by a policeman or tax collector be enough to lift the veil? If so, then the CBDC would be no more private than ordinary current-day bank deposits. J. P. Koning not unfairly characterizes what Lagarde offers as a “Faustian bargain”: “The state will issue digital currency that protects us from information snoops in the private sector, on the condition that it gets a back door.”

In the US and Europe, at least, banks today are required to notify regulators of large or “suspicious” deposit and withdrawal activities, and are expected to surrender account information to the authorities on a written request, without a court order or a search warrant.[2] It is hard to imagine that any government would instruct or allow its central bank to create accounts with greater privacy protection against the national government than commercial bank accounts have.

In the background to Lagarde’s speech is a November 2018 IMF staff discussion note on CBDC that she cites. [3] The note itself does not offer a brief for CBDC, but rather enumerates plusses and minuses. Comparing CBDC to cash, demand deposits, and non-bank private digital payment media, the note’s authors find that “CBDC would not strictly dominate any of these alternative forms of money.”

The staff discussion note emphasizes the hope of Keynesian macroeconomists that “interest-bearing CBDC would eliminate the effective lower bound on interest rate policy,” but points out that it would have this effect “only with constraints on the use of cash.” It is the abolition of easily stored cash that allows a central bank to impose negative interest rates, not the introduction of CBDC in either form.

The IMF note acknowledges a case for stronger payments privacy:

There are legitimate reasons people may prefer at least some degree of anonymity—potentially when it comes to everyone except the government, and regarding the government unless a court order unlocks encrypted transaction information. It is a way to avoid customer profiling—commercial use of personal information, for example, to charge higher mortgage rates to people who purchase alcohol. Another advantage of anonymity is limiting exposure to hacking. Moreover, anonymity is often associated with privacy—widely recognized as a human right (as stated in the Universal Declaration of Human Rights [Article 12] and elsewhere).

The note also observes that a central bank offering retail deposits “could increase risks to financial intermediation. It would raise funding costs for deposit-taking institutions.”

Just as importantly on the minus side, although not mentioned in either Lagarde’s speech or the IMF staff note, is that diverting deposits from commercial banks to the central bank will shrink the funding for the economic-growth-enhancing small business loans that commercial banks provide, in favor of central bank holdings of sovereign debts and government-favored private securities (for the Fed at present, mortgage-backed securities).[4] The IMF authors of the note observe that in a world where CBDC accounts replace both currency and ordinary checking deposits “only the commercial bank could create money.” Correspondingly, in a world of CBDC alone, only the central bank would direct the loanable funds marshalled by checking deposits.


[1] Bordo and Levin (2017) have suggested that private commercial banks should provide the front end for access to the central bank’s balance sheet, because they are better at customer service. Designated “digital cash” account balances at commercial banks would differ from ordinary account balances only in that balance transfers between accounts would be nearly instantly settled. Near-instant settlement would be enabled by the commercial banks holding “segregated reserve accounts” at the central bank, linked to their customers digital cash accounts, and presumably backed by high or even 100-percent, reserves. Under their proposal commercial banks would act as so many central bank branch agencies. Their proposed system would have all the same drawbacks of outright CBDC accounts discussed herein.

[2] Under the Right to Financial Privacy Act of 1978, a bank or other financial institution is protected from customer lawsuits for disclosing customer account information to a US federal agency (BATF, DEA, FBI, IRS, etc.) that subpoenas it in connection with suspected illegal activity. The agency is required only to notify an individual customer (but not a business customer) of the request, giving the customer ten days to seek legal redress. In court the agency does not need to meet the Fourth Amendment standard of probable cause. Under later statutes including the Patriot Act, notice is not required where the individual is suspected of drug trafficking, espionage, or terrorism. In a recent law review article, W. F. McElroy notes that today “the privacy of financial records from unwarranted government intrusion is under siege.”

[3] Tommaso Mancini-Griffoli, Maria Soledad Martinez Peria, Itai Agur, Anil Ari, John Kiff, Adina Popescu, and Celine Rochon, “Casting Light on Central Bank Digital Currency,” IMF Staff Discussion Note (November 2018).

[4] For theory and evidence on this point see Lastrapes and Selgin (2012).

[Cross-posted from Alt-M.org]


          MICROCAPITAL BRIEF: Agricultural Fintech CropIn Receives $8m in Equity from Chiratae Venture, Gates Strategic Investment Fund to Improve Satellite Imaging, Outreach in India      Cache   Translate Page      

Bengaluru-based agricultural technology firm CropIn recently raised USD 8 million in its Series B funding round to improve and expand usage of its mobile apps and other software for agri-business. This software processes satellite imaging to predict future crop outputs as well as offering “real time insight on standing crop[s]…based on local weather information and

The post MICROCAPITAL BRIEF: Agricultural Fintech CropIn Receives $8m in Equity from Chiratae Venture, Gates Strategic Investment Fund to Improve Satellite Imaging, Outreach in India appeared first on MicroCapital.


          Bikin Iklan Kocak Lagi, Dimas Djay Parodikan Film Suzzanna      Cache   Translate Page      
JPNN.com - Sutradara Dimas Djayadiningrat kembali lagi dengan ide nyelenehnya. Pekan lalu Dimas merilis iklan fintech terbaru.
          Native German with excellent writing and verbal skills for administrative tasks      Cache   Translate Page      
We are a Fintech company located in Amsterdam, Munich and Budapest. We need a German native speaker that can help us with administrative tasks and simple translations. The job includes: * Administrative tasks * Ad hock Translations (think translate job description, forms and similar small documents) * Answering phone You can work from anywhere if you have a computer with internet, but being in one of our offices now and them would be a big plus...
          A hír tévedés: Ohióban továbbra sem lehet bitcoinban adózni      Cache   Translate Page      

Ellenben el lehet adni a bitcoint és a dollárral már lehet adót fizetni. Igaz, eladni lehet egy Chevrolet motorblokkot is vagy egy oroszlánlábas öntöttvas fürdőkádat is.

A hír tévedés: Ohióban továbbra sem lehet bitcoinban adózni | FinTechRadar.


          „Barclays” išėjimas iš Lietuvos - fintech žaidėjų diktuojamas pokytis      Cache   Translate Page      
Vakar pasitvirtino jau kurį laiką sklandę gandai apie tai, kad nuo 2009 m. Lietuvoje veikęs „Barclays“ stabdo savo operacijų centro Lietuvoje veiklą. Pasigilinus į naujienas matome, kad toks sprendimas yra labiau banko darbo ir krypties reorganizavimas – ne tik darbuotojus, bet ir patalpas iš „Barclays“ perimanti „HCL Technologies“ pranešime spaudai aiškiai įvardijama kaip „IT infrastruktūros paslaugų partnerė“, o „abi kompanijos įsipareigojo bendradarbiauti pasauliniu mastu, dėmesį skiriant skaitmeninių darbo vietų sprendimams“.
          Philadelphia Fed’s Patrick Harker: How Fintech Will Shape the Future      Cache   Translate Page      
Patrick Harker, president of the Federal Reserve Bank of Philadelphia, discusses how fintech will impact the banking system with Wharton finance professor Richard J. Herring.
          8 Trends That Will Reshape the FinTech Landscape in 2019      Cache   Translate Page      
Early movers and adopters are sure to see major gains in the future, and users are becoming increasingly clear on their preference for tech-based banking.
          Account Manager - German Market      Cache   Translate Page      
Fintech with real purpose and benefit. A pioneering tech firm creating opportunities for businesses to make their plans happen is looking for German speakers to build close relationships. Your partners are real people with ambitions and you'll be instrumental in delivering solutions that positively impact in the short and long term. You'll do it from a buzzing, welcoming and fun environment in the West End; the facilities are amazing and they've built a package that rivals the environment. The drive for success is tangible. Their German market presence is growing rapidly thanks to outstanding commercial partnerships and offering something genuinely fresh. You'll understand account management as building excellent relationships that benefit all involved, spotting opportunities to help further and working with flexibility and at pace to handle a growing portfolio of clients. You'll have commercial account management or sales experience (recruitment experience is good; you'll definitely know how to handle the tough questions and work at pace) and work with structure. You'll also match that drive to reach goals and be successful that's endemic in the company and the German market group. Speaking and writing German at a native level of fluency is a must, as is fluent English and great communication skills in both. If the above (drive, ambition, pace, structure, German) connects with you, get in touch as the same traits apply to their recruitment team and process! Thank you for applying to Euro London Appointments, the UK's largest independent language consultancy. We aim to respond as promptly as possible to your application, however, due to the high level of CVs we receive, we are only able to respond to applicants whose profile matches our Clients requirements. To enquire about other vacancies please visit our website at www.eurolondon.com
          Intesa Sanpaolo, la banca verso la digital transformation      Cache   Translate Page      
Intesa Sanpaolo digital transformation

Intesa Sanpaolo ha in Italia 11,9 milioni di clienti e una rete di circa 4.400 sportelli in tutto il territorio nazionale. La banca ha nell’ultimo periodo spinto sull’acceleratore anche nel processo di digital transformation.

Sono infatti 8 milioni i clienti multicanale, di cui quasi 3 milioni sulla nuova app Intesa Sanpaolo Mobile. Sono 56 milioni i login al mese solo su app, informa la banca. E 53 milioni le operazioni dispositive su app da inizio anno, di cui 1,2 milioni di prelievi cardless. Inoltre, 47,3 milioni di operazioni di post vendita carte nel 2018. A questi dati si aggiunge l’enorme mole di consultazioni accessibili in ogni momento con pochi clic dal proprio smartphone.

Sono questi i risultati resi noti da Intesa Sanpaolo nel presentare l’ecosistema digitale della banca. Ecosistema digitale che fa perno su Intesa Sanpaolo Mobile e dà accesso a servizi bancari, finanziamenti e risparmio. E che si arricchisce ora con la nuova app Intesa Sanpaolo Investo. Quest’ultima consente di investire online in autonomia e tenere sotto controllo il proprio patrimonio.

La trasformazione digitale di Intesa Sanpaolo

Il percorso di trasformazione digitale della banca è ancora in corso. La roadmap prevede il completo ridisegno del sito e delle app, con la volontà di creare un’esperienza digitale di eccellenza. Intesa Sanpaolo ha inoltre creato appositi strumenti e servizi per aiutare i clienti a distanza nell’accesso ai nuovi canali. Rimane inteso che le filiali non scompaiono. In esse è stata eliminata la carta nell’85% delle operazioni bancarie e nel 98% dei contratti. Restano comunque il punto di riferimento per la consulenza e per le esigenze più complesse.

Stefano Barrese, responsabile Banca dei Territori Intesa Sanpaolo

Il Gruppo prevede circa 2,8 miliardi di euro di investimenti nella trasformazione digitale entro i prossimi tre anni. La roadmap prevede di portare le attività digitalizzate dal 10% nel 2017 al 70% nel 2021.

Gli investimenti interesseranno processi, cyber security, innovazione, strumenti di Advanced Analytics, dialogo con le FinTech, estensione di piattaforme digitali e percorsi di acquisto multicanale per le imprese. Ad esempio, prevede più di 100 Data Scientist dedicati nel 2021 contro i 15 nel 2017. Inoltre, nei prossimi tre anni le vendite digitali dovranno crescere dal 2,5% di fine 2017 al 15%.

Il mobile è il motore dell’ecosistema

Intesa Sanpaolo Mobile, l’app per il mobile banking, dal lancio di due anni fa ha quasi triplicato gli utenti. Ora viene utilizzata da quasi tre milioni di utenti, che si connettono in media 18 volte al mese.

L’app offre semplicità di autenticazione, sfruttando anche l’impronta digitale o il riconoscimento facciale dove disponibili. E semplicità anche nello svolgimento delle attività più comuni. È ad esempio possibile pagare un bollettino o un F24 scattando una foto. Oppure gestire in piena libertà le proprie carte di credito.

Peculiarità dell’app è la funzione che consente di prelevare senza carta alle casse veloci automatiche. Oppure aiutare un parente o un amico a prelevare denaro, senza carta, in situazioni d’emergenza: il cosiddetto prelievo SOS.

Digital e mobile payment

Anche i servizi di digital payment della banca sono integrati nell’app Intesa Sanpaolo Mobile. Essi sono accessibili già in pre-login attraverso il nuovo portafoglio digitale XME Pay. Con questo è possibile pagare nei negozi con le carte o direttamente dal conto, salvare le carte fedeltà e i documenti di identità. È inoltre possibile essere avvisati in prossimità della scadenza e beneficiare di offerte dedicate.

Per i clienti Intesa Sanpaolo che usano dispositivi iOS (sono oltre un milione) è da poco disponibile Apple Pay. Il servizio è attivabile direttamente da XME Pay su tutte le carte di credito, sulle prepagate e sulle carte di debito XME Card emesse dal Gruppo.

Per i cellulari con sistema operativo Android, XME Pay permette già da tempo di collegare le proprie carte a Samsung Pay.

Inoltre, i pagamenti diventano “social” grazie a JiffyPay, che dal 1° gennaio diventerà Bancomat Pay, modalità di pagamento account to account. Usando il solo numero di telefono, JiffyPay permette anche di scambiare denaro durante una conversazione in chat. Oltre che di creare dei gruppi per dividere il conto di una cena o fare una colletta per un regalo agli amici.

A oggi, rende noto Intesa Sanpaolo, sono 650.000 i Jiffy scambiati. E più di 200.000, in soli tre mesi, i clienti che hanno attivato XME Pay su smartphone Android e Apple.

Intesa Sanpaolo Investo

Intesa Sanpaolo Investo è l’ultima nata nell’ecosistema di app della banca. Come suggerisce il nome, si tratta dell’app dedicata agli investimenti. Permette di fare trading in modo semplice, veloce e informato. E di tenere sotto controllo il proprio patrimonio, attraverso un’esperienza digitale vicina a quella in filiale con il proprio gestore.

Investo offre ai clienti un’ampia gamma di informazioni. Gli utenti possono utilizzare la ricerca avanzata per muoversi tra migliaia di titoli quotati. Così come visualizzare per ogni azienda un corredo informativo completo di dati di bilancio, indicatori finanziari, storico quotazioni, grafici avanzati interattivi e notizie correlate.

L’app consente di creare e gestire portafogli virtuali per simulare le strategie di trading. Inoltre di monitorare con la watchlist i propri titoli preferiti. È inoltre possibile attivare widget per consultare i titoli preferiti e le notizie più rilevanti, senza la necessità di accedere all’app.

Uno sguardo al futuro

Nella settimana dal 7 al 15 dicembre Intesa Sanpaolo promuoverà, in collaborazione con Mastercard, l’iniziativa Cashless District. Questa incentiverà i pagamenti attraverso il portafoglio digitale XME Pay nelle quattro aree metropolitane di Torino, Milano, Roma e Napoli.

Nel 2019 è atteso il lancio di Bancomat Pay, l’iniziativa che nasce dall’accordo tra Sia e Bancomat. Permetterà ai titolari di carte PagoBancomat di saldare operazioni attraverso il cellulare, senza dover più digitare alcun codice. Questo darà, si aspetta la banca, grande impulso ai micro-pagamenti digitali. Intesa Sanpaolo supporterà l’evoluzione digitale del Bancomat, rendendo gratuite per gli esercenti le transazioni di piccolo importo.

Sempre nel 2019, il Gruppo lancerà una nuova app per esercizi commerciali. Questa fungerà da unico punto di accettazione di tutti i pagamenti: contactless con carte o smartphone, Bancomat Pay, Alipay e così via. E anche come unico cruscotto di rendicontazione integrata multibanca, con conseguente abbattimento dei costi e maggiore engagement con i negozianti.

Non sarà più necessario avere un POS: per l’esercente sarà sufficiente avere un tablet o uno smartphone. L’app fornirà anche un supporto di marketing, grazie al nuovo servizio Infovendite. Questo sarà utile per analizzare le dinamiche di incasso e comparare le performance rispetto alle best practice di settore presenti nel territorio. Nonché individuare le aree di ottimizzazione del proprio business.

Da sinistra: Massimo Tessitore, direzione multicanalità integrata Intesa Sanpaolo, Marcella Cocco, assessore alla trasformazione digitale e servici civici, Stefano Barrese, responsabile divisione Banca dei Territori di Intesa Sanpaolo, Arrigo Giana, direttore generale di Atm e Nando Pagnoncelli, presidente Ipsos

Intesa Sanpaolo è inoltre uno dei partner tecnologici di ATM Milano per abilitare l’ingresso nella metropolitana semplicemente avvicinando ai tornelli qualsiasi carta Mastercard o VISA contactless o virtualizzata sul telefono.

Con la Pubblica Amministrazione la collaborazione punta ad ampliare le opportunità di pagamenti digitali e l’introduzione di nuovi servizi. Ad esempio tramite l’abbinamento dell’utente con il solo numero di telefono su PagoPA e l’accettazione digitale presso l’Anagrafe del Comune di Milano.

L'articolo Intesa Sanpaolo, la banca verso la digital transformation è un contenuto originale di 01net.


          Experian leads $10M investment in Southeast Asia fintech startup Jirnexu      Cache   Translate Page      
Consumer credit giant Experian is continuing to back Asian fintech startups after it led a $10 million investment in Southeast Asia’s Jirnexu . Jirnexu, which is headquartered in Kuala Lumpur, operates financial comparison services in Malaysia and Indonesia. Those services aggregate offerings and deals from banks and financial services companies, effectively acting as a user acquisition […]
          A "fintech sandbox" might sound like a harmless idea. It's not      Cache   Translate Page      
The job of regulators is to protect and safeguard, not to provide free PR.
          Fenergo Recognised as FinTech Exporter of the Year to Asia      Cache   Translate Page      
Fenergo Fenergo’s Asia expansion and accelerated growth is recognised with FinTech exporter of the year award Fenergo today announced that it won the Asia Matters FinTech Exporter of the Year Award. Fenergo has an established APAC presence and provides CLM solutions to eight of the region’s...

Fenergo


          HighRadius Named a Finalist for Levvel Research 2018 Technology...      Cache   Translate Page      

Fintech Enterprise SaaS Runner-Up in Working Capital Optimization Category

(PRWeb December 05, 2018)

Read the full story at https://www.prweb.com/releases/highradius_named_a_finalist_for_levvel_research_2018_technology_innovation_awards/prweb15968183.htm


          ‘Digital lipstick’ will not make banks ‘sexy’ enough to become tech companies      Cache   Translate Page      
DBS Bank’s chief innovation officer Neal Cross has warned the audience at Fintech Connect 2018 that...
          Chef der Millennial-Bank N26: „Banken haben die Chancen der Digitalisierung komplett verspielt“      Cache   Translate Page      

n26 valentin stalf

Kaum ein deutsches Startup hat in den vergangenen Jahren eine so steile Erfolgskurve hingelegt wie die Banking-App N26. 

Allein im vergangenen Halbjahr hat das Berliner Startup nach eigenen Angaben eine Millionen neue Kunden dazugewonnen und ist nach der Expansion nach Skandinavien und Großbritannien jetzt in 24 Ländern aktiv. Im Frühjahr 2019 soll dann der nächste große Wurf folgen: der Markteintritt in den USA.

Das Smartphone wird zur Bank

N26 macht vieles anders als die Sparkassen, Commerzbank, Deutsche Bank und Co.: Sie ist keine physische Bank mit eigenen Filialen und großen Banktürmen in Frankfurt, sondern eine reine Online-Bank, die vor allem Millennials ansprechen will.

Anstatt eines Bankschalters setzt N26 auf eine App. An die Stelle von Geldautomaten treten mobile Zahlmethoden wie Google Pay oder Apple Pay. Kurz gesagt: Das Smartphone wird zur Bank.

n26 transaction list

Seit 2016, knapp drei Jahre nach der Gründung, hat N26 eine europäische Vollbanklizenz. Das schnelle Wachstum ist dem Unternehmen aber auch schon das ein oder andere Mal auf die Füße gefallen: Etwa als im Juli bekannt wurde, dass Kriminelle die App für Geldwäsche missbrauchen oder als das Startup im Jahr 2016 plötzlich Hunderten Kunden das Konto kündigte.

Traditionelle Banken haben „die Chancen der Digitalisierung komplett verspielt“

Dennoch zeigt der Erfolg der mobilen Bank: Wer mit digitalen Angeboten überzeugt, gewinnt den Wettbewerb um die junge Kundschaft — sei es mit Kontoeröffnungen per Smartphone, Push-Nachrichten bei Überweisungen oder persönliche Ausgabenbilanzen. 

„Traditionelle Banken haben es bisher nur beschränkt geschafft, Kunden wirklich persönlich zu betreuen. Ich glaube, dass die Banken da die Chancen der Digitalisierung komplett verspielt haben“, sagt Valentin Stalf, Geschäftsführer und Mitgründer von N26, im Gespräch mit Business Insider.

Gerade bei den Megathemen Künstliche Intelligenz (KI) und Big Data gebe es in der Bankenbranche noch viel Spielraum: „Der Einsatz von Künstlicher Intelligenz, aber auch schon einfache intelligente Datenanalyse bieten eine riesige Chance, um unsere Kunden persönlicher zu betreuen“, so Stalf.

In Zukunft könne man den Durschnittskunden mit Hilfe von KI kostengünstig beraten und so gut betreuen, wie es sonst nur im Private Banking bei Millionenbeträgen üblich sei.

N26 will 2019 den amerikanischen Markt erobern

Mit dem Konzept der personalisierten, mobilen Bank will N26 ab spätestens März 2019 auch amerikanische Kunden von sich überzeugen. Das Startup hatte ursprünglich geplant, schon Mitte 2018 in den USA auf den Markt zu kommen.

Zunächst werde man in den USA mit der gleichen App an den Start gehen wie in Europa. „Inwiefern wir unser Produkt dann noch stärker lokalisieren, werden wir nach den ersten Erfahrungen entscheiden. Wir denken wir zum Beispiel über Kreditkarten oder ein Bonusprogramm nach“, so Stalf.

Trotz des verspäteten US-Starts rechnet er sich aber gute Chancen aus: „Fintechs sind in den USA deutlich weiter fortgeschritten und erfolgreicher als in Europa. Allerdings hat sich bisher kein Player er getraut, eine Bank komplett zu ersetzen. Der Markt ist noch jung und daher sehe ich die Chancen für uns sehr, sehr gut.“

Auch nach den USA will N26 weiter auf Expansionskurs bleiben: Als nächstes wolle man sich Südamerika, Nordamerika und Australien ansehen. Bis 2020 hat sich das Startup das Ziel gesetzt, fünf Millionen Kunden weltweit zu erreichen. Im Vergleich zu den knapp 48 Millionen Girokonten der Sparkassen wäre N26 dann immer noch ein Zwerg — der allerdings sehr schnell wächst.


Disclaimer: Axel Springer (u.a. BILD, Business Insider) ist über seinen Accelerator Axel Springer Plug and Play mit unter fünf Prozent an N26 beteiligt.

Das könnte euch auch interessieren:

 Modernes Banking: Was ihr wissen solltet, bevor ihr Fintechs euer Geld anvertraut

 Frankfurter Brüder haben eine Methode entwickelt, mit der ihr viel Geld sparen könnt — die Deutsche Bank hat eine Million investiert

 So sieht der Tag eines Deutsche-Bank-Managers aus, der um 5 Uhr aufsteht, 10 Tage im Monat reist und jeden Tag zwei Mal trainiert

Join the conversation about this story »


          Robo Adviser Wealthfront Makes Automated Financial Planning Free - Wall Street Journal      Cache   Translate Page      
@AmyResnick, @SpirosMargaris, @BillWinterberg, @LaurenLaCapra
          UI / FRONT-END DEVELOPER чрез Bulwork      Cache   Translate Page      
Who we are?
Bulwork is the first IT recruitment agency in Bulgaria with more than 18 years of significant presence in the market. The company has established a reputation for delivering high-quality services to both candidates and clients. The company respects the candidates and always strives to find the most suitable and challenging job for them.

Our Partner?
Dais Software is a prominent FinTech company, leader in development of Digital Channels for Banking and Finance industry - web and mobile banking solutions, bill payments, omni-channel integration. Together with the company, we are looking to hire:


UI / FRONT-END DEVELOPER


Your responsibilities:
- Design and implementation of UI using best practices, latest web trends and applicable tools for ultimate user experience in business critical web and mobile systems used by millions of clients;
- Collaboration with the development team and other company's teams to understand functional and technical requirements and take part in the complete software development process;
- Participation in the ownership and evolution of UX practices of the company, including analysis and adoption of new UI technologies, development of reusable front-end libraries, components, etc.

 
          Di Acara Peluncuran Dompet Digital DANA, KFC Dibanderol Rp 1 per Paket      Cache   Translate Page      

Liputan6.com, Jakarta - PT Espay Debit Indonesia Koe mengadakan acara grand launching aplikasi dompet digital DANA pada Rabu (5/12/2018). Pada kesempatan itu, perseroan juga melakukan sesi uji coba pemakaian aplikasi dana oleh para tamu undangan.

Lewat hashtag #GantiDompet, tamu undangan diberi instruksi untuk mengunduh aplikasi DANA, untuk kemudian dibekali ongkos Rp 100 bagi masing-masing akun. Lalu, apa guna dana sekecil itu?

Pada akhir acara, ternyata ada sebuah bazar kecil. Para tamu undangan bisa membeli berbagai barang mulai dari makanan hingga pakaian dengan banderol harga super murah, yakni Rp 1 per masing-masing item.

Beberapa merchant turut menjajakan barang dagangannya dalam kesempatan tersebut. Antara lain, Moka, Ramayana, Coffee Bean & Tea Leaf, KFC, Sour Sally, Hingga Gulu Gulu.

Tak pelak, antrean ramai segera mengular selepas acara grand launching berakhir. Tak mau kalah, Liputan6.com juga coba menjajal dengan membeli satu paket KFC seharga Rp 1. 

Dengan nominal harga terendah itu, tamu bisa mendapatkan satu kotak KFC berisi dua potong ayam dan satu porsi nasi. Meski tidak disediakan minuman, hadirin bisa membelinya di kios lain dengan harga serupa, yakni Rp 1 per item.

Antrean terpanjang pun terjadi di kios Ramayana. Tamu bisa membeli satu setel kemeja batik dengan harga hanya Rp 1. Namun begitu, pengunjung hanya dibatasi untuk bisa membeli satu barang di masing-masing kios. 

 

Pengguna Dompet Digital DANA Tembus 1 Juta Orang

CEO Dana Vince Iswara. (Maulandy/Liputan6.com)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Sebelumnya, PT Espay Debit Indonesia Koe, perusahaan financial technology(fintech) penyedia layanan dompet digital DANA, telah mampu menghimpun lebih dari 1 juta pengguna hingga pertengahan 2018. 

Chief Executive Officer (CEO) Dana Vince Iswara mengatakan, perusahaan fintech di Indonesia sebenarnya memiliki modal yang kuat untuk mengembangkan sayap bisnis. Menurut catatannya, jumlah mobile phone yang tersebar di Nusantara sudah melampaui angka penduduk Tanah Air, yakni sekitar 438 juta unit.

"Selain itu, 67 persen dari pengguna handphone itu juga sudah berbasis broadband (3G/4G). Jadi Indonesia sudah sangat ready untuk transform to digital economy," jelas dia dalam sebuah acara di Jakarta, Rabu 5 Desember 2018.

Sebagai salah satu contoh, ia melanjutkan, dompet digital DANA telah berhasil meraup sebanyak 1 juta pengguna hanya dalam waktu 4 bulan sejak aplikasi diluncurkan pada Maret 2018.

"Dari akhir Maret sampai Juni-Juli 2018 kita sudah achieve 1 juta users," ucapnya.

Keberhasilan ini, dia menambahkan, tak terlepas dari dukungan berbagai elemen seperti Bank Indonesia (BI) yang pada tahun ini telah merilis 4 lisensi atau surat izin usaha kepada DANA.

Lisensi tersebut adalah lisensi uang elektronik (e-money), dompet elektronik (e-wallet), Layanan Keuangan Digital (LKD), dan transfer dana.

"Itu semua diproses dalam waktu kurang dari satu tahun," sambungnya.

Untuk target ke depan, Vince mengucapkan, ia dan tim hendak membuat DANA menjadi aplikasi dompet digital paling unggul di Indonesia.

"Target 2019, jadi pemain wallet nomor satu di Indonesia," ujar dia.

 

Saksikan video pilihan di bawah ini:

 


          Jack Ma-backed Yunfeng broadens financial services with MassMutual’s insurance products      Cache   Translate Page      
Yunfeng Financial Group, backed by Alibaba Group Holding executive chairman Jack Ma, will use fintech to sell insurance products of recently acquired MassMutual Asia, filling the gap in the Hong Kong-listed financial firm’s portfolio, the chief executive said. “Yunfeng already has stock broking, wealth management and investment businesses,” said Li Tang in an exclusive interview with the South China Morning Post. “Only insurance was missing. Since it is difficult to...
          Vice President - Product Management - FinTech - IIT/NIT/IIM/ISB/MDI/FMS      Cache   Translate Page      
Noida, Uttar Pradesh - Vice President - Product Management - FinTech - IIT/NIT/IIM/ISB/MDI/FMS (5-10 yrs) Noida Job Code: 640072 ROLE The VP - Product...
          Banche, accordo di collaborazione tra Abi Lab e Assofintech      Cache   Translate Page      

Abi Lab, il centro di ricerca e innovazione per la banca promosso dall’Associazione bancaria italiana (Abi), e Assofintech, l’Associazione italiana per il fintech e l’insurtech, hanno siglato un accordo di collaborazione. “Le parti – si legge nel testo dell’intesa – intendono contribuire all’evoluzione della cultura dell’innovazione e stimolare la crescita del Paese dando impulso a […]

L'articolo Banche, accordo di collaborazione tra Abi Lab e Assofintech proviene da SimplyBiz - Dedicato a chi opera nel mondo del credito.


          Fintech, Abi Lab e R3 partner per piattaforma blockchain Corda      Cache   Translate Page      

Abi Lab ha siglato un accordo di collaborazione con l’azienda di software R3 per sviluppare applicazioni e soluzioni innovative sulla piattaforma di blockchain Corda. Abi Lab è il Centro di ricerca e innovazione promosso dall’Associazione Bancaria Italiana (Abi). Approfondisce, sviluppa e diffonde innovazione nel settore bancario e finanziario attraverso le proprie attività di ricerca e […]

L'articolo Fintech, Abi Lab e R3 partner per piattaforma blockchain Corda proviene da SimplyBiz - Dedicato a chi opera nel mondo del credito.


          Di Peluncuran DANA, KFC dan Ramayana Jual Produk Rp 1 per Paket      Cache   Translate Page      

Liputan6.com, Jakarta - PT Espay Debit Indonesia Koe mengadakan acara grand launching aplikasi dompet digital DANA pada Rabu (5/12/2018). Pada kesempatan itu, perseroan juga melakukan sesi uji coba pemakaian aplikasi dana oleh para tamu undangan.

Lewat hashtag #GantiDompet, tamu undangan diberi instruksi untuk mengunduh aplikasi DANA, untuk kemudian dibekali ongkos Rp 100 bagi masing-masing akun. Lalu, apa guna dana sekecil itu?

Pada akhir acara, ternyata ada sebuah bazar kecil. Para tamu undangan bisa membeli berbagai barang mulai dari makanan hingga pakaian dengan banderol harga super murah, yakni Rp 1 per masing-masing item.

Beberapa merchant turut menjajakan barang dagangannya dalam kesempatan tersebut. Antara lain, Moka, Ramayana, Coffee Bean & Tea Leaf, KFC, Sour Sally, Hingga Gulu Gulu.

Tak pelak, antrean ramai segera mengular selepas acara grand launching berakhir. Tak mau kalah, Liputan6.com juga coba menjajal dengan membeli satu paket KFC seharga Rp 1. 

Dengan nominal harga terendah itu, tamu bisa mendapatkan satu kotak KFC berisi dua potong ayam dan satu porsi nasi. Meski tidak disediakan minuman, hadirin bisa membelinya di kios lain dengan harga serupa, yakni Rp 1 per item.

Antrean terpanjang pun terjadi di kios Ramayana. Tamu bisa membeli satu setel kemeja batik dengan harga hanya Rp 1. Namun begitu, pengunjung hanya dibatasi untuk bisa membeli satu barang di masing-masing kios. 

 

Pengguna Dompet Digital DANA Tembus 1 Juta Orang

CEO Dana Vince Iswara. (Maulandy/Liputan6.com)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Sebelumnya, PT Espay Debit Indonesia Koe, perusahaan financial technology(fintech) penyedia layanan dompet digital DANA, telah mampu menghimpun lebih dari 1 juta pengguna hingga pertengahan 2018. 

Chief Executive Officer (CEO) Dana Vince Iswara mengatakan, perusahaan fintech di Indonesia sebenarnya memiliki modal yang kuat untuk mengembangkan sayap bisnis. Menurut catatannya, jumlah mobile phone yang tersebar di Nusantara sudah melampaui angka penduduk Tanah Air, yakni sekitar 438 juta unit.

"Selain itu, 67 persen dari pengguna handphone itu juga sudah berbasis broadband (3G/4G). Jadi Indonesia sudah sangat ready untuk transform to digital economy," jelas dia dalam sebuah acara di Jakarta, Rabu 5 Desember 2018.

Sebagai salah satu contoh, ia melanjutkan, dompet digital DANA telah berhasil meraup sebanyak 1 juta pengguna hanya dalam waktu 4 bulan sejak aplikasi diluncurkan pada Maret 2018.

"Dari akhir Maret sampai Juni-Juli 2018 kita sudah achieve 1 juta users," ucapnya.

Keberhasilan ini, dia menambahkan, tak terlepas dari dukungan berbagai elemen seperti Bank Indonesia (BI) yang pada tahun ini telah merilis 4 lisensi atau surat izin usaha kepada DANA.

Lisensi tersebut adalah lisensi uang elektronik (e-money), dompet elektronik (e-wallet), Layanan Keuangan Digital (LKD), dan transfer dana.

"Itu semua diproses dalam waktu kurang dari satu tahun," sambungnya.

Untuk target ke depan, Vince mengucapkan, ia dan tim hendak membuat DANA menjadi aplikasi dompet digital paling unggul di Indonesia.

"Target 2019, jadi pemain wallet nomor satu di Indonesia," ujar dia.

 

Saksikan video pilihan di bawah ini:

 


          Philadelphia Fed’s Patrick Harker: How Fintech Will Shape the Future      Cache   Translate Page      
Patrick Harker, president of the Federal Reserve Bank of Philadelphia, discusses how fintech will impact the banking system with Wharton finance professor Richard J. Herring.
          Российская ассоциация «ФинТех» и Fintech Association of Japan договорились о сотрудничестве      Cache   Translate Page      
В дальнейшем компании планируют подготовить ряд программ, нацеленных на развитие финтех-экосистем России и Японии.
          How Artificial Intelligence Is Helping Financial Institutions      Cache   Translate Page      
With AI's potential to disrupt finance and fintech, the competition among leading financial institutions will rise in the following years.
          Korean Fintech Startup HonestFund Attracts $12 Million Series B Investment From Dunamu & Partners, Murex, And More      Cache   Translate Page      


          Fintech will transform financial services – Access Bank MD      Cache   Translate Page      
Dr Herbert Wigwe, the Managing Director of Access Bank Plc., says Fintech in a few years, will change the face of financial services as the next big thing in Africa.
          The CEO of a startup that raised $25 million hopes people eventually think of his personal-finance app like a washing machine      Cache   Translate Page      

tally jason brown

  • Entrepreneur Jason Brown wants people to think of his personal-finance app Tally like a washing machine
  • Most people don't think about how much time and stress washing machines save them.
  • Brown's endgame is for Tally is "a world where all of your financial decisions and financial work will be done invisibly."

If entrepreneur Jason Brown had his way, people would think of his technology like they do washing machines. 

That is to say, they would barely think of it at all.

Brown is the cofounder and CEO of Tally, a personal-finance app that uses an innovative method to reduce credit-card debt. Founded in 2015, Tally consolidates the debt customers accrue over multiple credit cards, pays off the debt, and then charges customers a lower interest rate than they initially had. The San Francisco-based company raised $25 million earlier this year and has raised $42 million overall.

So what does any of that have to do with washing machines?

"A lot of the truly transformative technologies end up being so taken for granted that they're not even seen anymore," Brown told Business Insider.

Before the electric washing machine, Brown said, American families spent nearly 500 hours a year washing their clothes and linens by hand. When the machines became widely available in the early 1900s, that figure shrank to one or two hours a week.

That gave people more time to spend with their families, work, study, or do anything else that enriched their lives in a way manual chores didn't.

"Suddenly, this functional load that we had was completely taken off of us, and regular people had what rich people already had, which, they had people they paid to do that for them," Brown said at the Fintech Inclusion Summit in October. "But now it was available at a low cost for everybody."

Today, the washing machine is so ubiquitous that it would be hard to imagine life without it.

And Brown envisions the same future for Tally.

"Right now, the idea that somebody else is making your financial decisions and moving your money around sounds pretty crazy and out there," Brown told Business Insider. "But in 10 or 15 years we won't even realize that that's happening, because it's just like, 'Oh yeah, I have my Tally, and I ask it questions, it tells me things, but otherwise it's just churning every single day and makes me better off.'"

"It will be so present, we won’t even know it exists," he said. "We will have a world where all of your financial decisions and financial work will be done invisibly."

Read more: Tally CEO Jason Brown asks every potential hire the same question, and it has nothing to do with work

Brown also has personal reasons for founding Tally. Growing up, he said, money was a source of anxiety for his family that prevented his parents from being "fully present" at times.

On a larger scale, American credit-card debt recently hit an all-time high, surpassing the $1 trillion mark in August, while the average American household is more than $5,000 in debt. Studies show that debt contributes to stress and depression.

By having Tally consolidate and reduce people's credit-card debt, it can free up time, and more importantly, make them happier, he said.

"It will be conceptually taking this anxiety that's on their shoulders and putting it on the shoulders of machines," Brown said. "They won't know any better because it's the way things will have always been. But we'll be taking burden off of people's lives and erasing that from the human experience."

SEE ALSO: The CEO of a startup that just raised $25 million asks every potential hire the same question, and it has nothing to do with work

DON'T MISS: Startup founders who landed a deal with Mark Cuban on 'Shark Tank' used a 100-year-old piece of business advice to build their company from the ground up

Join the conversation about this story »


          Zopa receives restricted banking license      Cache   Translate Page      

This story was delivered to Business Insider Intelligence "Fintech Briefing" subscribers. To learn more and subscribe, please click here.

Zopa closed its £60 million ($78.6 million) funding round a month ago, and the UK-based marketplace lender has now been granted a banking license from the UK’s Financial Conduct Authority (FCA).

UK Consumers' Banking Preferences

Currently, Zopa's authorization is in a preliminary phase, which means it can’t launch its digital bank just yet. The full license will be granted once Zopa meets all the conditions set by the FCA, including testing its products. This will make Zopa the first company to be both a marketplace lender and digital bank, it says.

Here's what we know about Zopa’s digital banking venture, so far:

  • Zopa has confirmed that it will offer credit cards and savings accounts. Zopa’s digital bank will offer FSCS-protected savings accounts and credit cards. These will be available alongside its personal loans and peer-to-peer (P2P) investment products, all in one app. Additionally, it will roll out a money management app, according to TechCrunch.
  • The company is now allowing existing customers to sign up to test new products. While we don’t know when Zopa will eventually launch its digital bank, it seems that it will start testing its products sooner, rather than later. Successful testing will enable it to receive a full banking license and enter the market — which is getting increasingly crowded.
  • Zopa’s lending products aren’t going anywhere. Per the press release, Zopa still wants to grow its P2P business, which has allowed the company to become profitablein the 13 years since its launch. It therefore seems likely that Zopa will continue to roll out new lending products, as opposed to shifting all of its focus to creating products for its digital bank.

Diversifying its product suite is likely a wise move, as the FCA is cracking down on marketplace lenders. Earlier this year, the FCA published a consultation paper saying that it wants to limit those who can invest in marketplace lending platforms to certified sophisticated, or high-net-worth investors, and it wants to restrict their investments in such platforms to less than 10% of their net assets.

Despite Zopa being one of the few marketplace lenders to be authorized by the FCA, its P2P business may still be affected by these changes. As such, diversifying its offerings will likely help Zopa to continue to operate successfully, and boost its revenue.

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SEE ALSO: Here's how fintech is taking over the world — and what's coming next

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          Native German with excellent writing and verbal skills for administrative tasks      Cache   Translate Page      
We are a Fintech company located in Amsterdam, Munich and Budapest. We need a German native speaker that can help us with administrative tasks and simple translations. The job includes: * Administrative tasks * Ad hock Translations (think translate job description, forms and similar small documents) * Answering phone You can work from anywhere if you have a computer with internet, but being in one of our offices now and them would be a big plus...
          Knowledge and accessibility barriers stand in Fintech’s way: LINE research      Cache   Translate Page      

New research from LINE Corporation has revealed that consumers in Taiwan, Thailand and Indonesia are among the most ready in the world to embrace a cash-free future.

The situation is different in Japan and other markets surveyed, where consumers are taking more of a wait-and-see approach, despite acknowledging the appeal of certain FinTech products.

The survey explored attitudes towards trust in financial technology (Fintech) through a survey of 5,000 smartphone users in seven key markets. The survey looked at consumers in LINE’s four major markets of Japan, Thailand, Taiwan and Indonesia, plus Korea, the United Kingdom, and the United States.

High trust

Across the seven markets, 64% of respondents agreed that financial technology makes planning and managing their finances easier. Trust in financial technology was generally found to be high, with 63% of survey respondents saying they trust the products and services they are currently aware of and a further 30% feeling ambivalent towards them. Trust also appears to increase with youth, with only 55% of those aged 55 and over trusting Fintech, compared with 69% of 18-34s, indicating greater upside potential for Fintech with younger age groups.

However, in all markets surveyed, respondents’ knowledge of the financial technology related services and products currently available to them was relatively low, with less than half considering themselves knowledgeable in this area (44%), rising to 52% among younger audiences (those in the 18-34 age bracket).

Of those products and services that respondents would be most willing to use a mobile or app-based service to access, savings accounts (65%), money/wire transfers (57%), current accounts (48%) and insurance (48%) were the most popular options given. Life insurance (65%), travel insurance (58%) and home insurance (50%) were selected the top types of insurance respondents wanted to access in this way.

Regions vary widely in Fintech readiness

While respondents in each market had different interests and concerns, Thailand, Taiwan and Indonesia all stood out as being particularly interested in a digital financial future. When asked about the prospect of their market becoming “cash-free”, all three answered well above the survey average of 37%: In Thailand, 57% of respondents said they were “excited” about going cash-free, followed by Indonesia at 56% and Taiwan at 52%. Korea also answered positively, at 45%.

Those markets also responded more positively to purchasing financial products through a mobile-based service. While overall 65% of survey respondents would open a savings account over a mobile app, Thailand led with 83%, then Indonesia at 77% and Taiwan at 69% (Korea also did well, at 75%).

In contrast, respondents in the UK, US and Japan were less eager to stray from traditional methods. Only a small percentage of respondents reported being excited about becoming “cash-free”, with Japan at 24%, the US at 20% and the UK last among the surveyed markets at 19%.

Japan in particular remains behind most developed nations when it comes to cashless payments, but as the government tries to move the country away from its dependence on cash, this is an area with much potential for growth.

The UK, US and Japan were also behind the survey averages for being willing to use mobile to buy Fintech services. Japan had the lowest percentage of respondents say they would be willing to open a savings account, at 49%, then the US at 53% and the UK at 57% (survey average 65%). For making investments over mobile, however, the UK was last at 28%, followed by the US and Japan at 37%, closer to the survey average of 45%.

Japan unhappy with present options, but lacks awareness on new choices

Compared to Thailand, Indonesia and Taiwan, Japan finished last by far among the surveyed markets in terms of trusting and understanding Fintech. Just 38% of respondents saying they trusted Fintech, versus a survey average of 63%. Only 22% reported being knowledgeable of Fintech, versus an average of 44%.

Japanese respondents were the most likely to currently do their banking in person (80%, versus a survey average of 68%) and least likely to use a mobile device to do so (38%, versus 58%). But Japan also finished last by far in terms of how convenient people found current financial services (31%, versus 67%), indicating consumers are ready for change.

 


          Backend Developer – Deutsche Fintech Solutions (f/m/div) // FinLeap      Cache   Translate Page      

First of all, what is Deutsche Fintech Solutions? Deutsche Fintech Solutions aims to change the way financial consulting is done. As a joint venture created by finleap and DVAG (Germany’s largest independent financial advisory company) it plans to, as a first step, focus on creating new, innovative, and customer-focused digital tools for the 15,000 financial advisors of DVAG and the 6 million customers that they serve....

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


          Backend Developer – Perseus (f/m/div) // FinLeap      Cache   Translate Page      

Would you be interested to work in the areas of cybersecurity and insurance? We are Perseus, launched by finleap, a FinTech company builder based in Berlin. We want to tap into the undeserved demand for the quickly growing sector of information security and insurance for small and medium businesses, starting in Germany and going global. As a Backend Developer at Perseus,...

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


          Head of Engineering (f/m/div) // FinLeap      Cache   Translate Page      

Deutsche Fintech Solutions (DFS) aims to change the way financial consulting is approached. As a joint venture created by finleap and DVAG (Germany’s largest independent financial advisory company) we plan to, as a first step, focus on creating new, innovative and customer-focused digital tools for the 20,000 financial advisors of DVAG and the 9million customers...

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


          As fintechs estão tirando a indústria financeira da zona de conforto (e isso é ótimo)      Cache   Translate Page      
Superintendente de inovação do Banco ABC Brasil, Gustavo Machado analisa a ascensão das startups e como a Transformação Digital está reconfigurando o setor.
          DigiMax Global Solutions: Providing Clarity and Compliance for Digital Coin and Token Offerings      Cache   Translate Page      

DigiMax Global Solutions has launched its campaign on the Investing News Network’s Technology channel.

The post DigiMax Global Solutions: Providing Clarity and Compliance for Digital Coin and Token Offerings appeared first on Investing News Network.


          Компанията за иновативно кредитиране Zopa получава пълен банков лиценз във Великобритания      Cache   Translate Page      

Zopa, кредиторът, който предоставя финансиране по метода peer-to-peer, стана първата подобна компания, получила пълен банков лиценз в Обединеното кралство, съобщава Financial Times. Решението на Финансовия регулатор (FCA) да предостави лиценза бележи първия голям пробив от страна на заемодателя в основното банкиране. Двата бизнеса ще работят заедно под логото на Zopa Group.

Нови възможности

Peer-to-peer компаниите са част от fintech революцията - бизнес модели, базирани на...
          Bienprêter, ou quand un vent de renouveau souffle sur le Crowdfunding      Cache   Translate Page      

Une nouvelle Fintech française vient de pointer le bout de son nez dans l’univers concurrentiel du financement participatif.Avec un concept innovant, la plateforme Bienprêter se lance sur un nouveau créneau de la finance participative. L’objectif  de la plateforme est double : d’une part, aider les entreprises à se développer en finançant leurs bons de commande et d’autre ...

L’article Bienprêter, ou quand un vent de renouveau souffle sur le Crowdfunding est apparu en premier sur .


          Credit agency TransUnion ‘a finalist’ in bid for Hong Kong’s next big fintech project despite data security row – South China Morning Post      Cache   Translate Page      
South China Morning PostCredit agency TransUnion is on the cusp of securing the right to run Hong Kong’s next big fintech project despite the exposure...
          Fazenda lista 21 desafios para acelerar crescimento nos próximos anos      Cache   Translate Page      
A aceleração do crescimento econômico, com criação de empregos e redução da pobreza e da desigualdade, só será atingida por meio da continuidade de reformas estruturais na economia brasileira, principalmente as da Previdência, tributária e de redução de gastos com o funcionalismo. As recomendações são do Ministério da Fazenda, que listou 21 desafios para o próximo governo nos próximos anos.

As medidas foram apresentadas em uma seção especial da página do Ministério da Fazenda na internet, em que a pasta faz um balanço das ações tomadas nos últimos dois anos e traça perspectivas para a economia brasileira.

Segundo o ministério, somente a solução do desequilíbrio fiscal poderá garantir a retomada sustentável da economia, evitando uma crise de solvência da dívida pública (capacidade de o governo pagar a dívida) e garantir um ambiente resistente a oscilações na economia global.

Recomendações

Para a Fazenda, a medida mais urgente que o próximo governo deve tomar é a conclusão da reforma da Previdência. Aliado ao teto dos gastos, o endurecimento das regras para a concessão de aposentadorias, auxílios e pensões ajudará a conter o crescimento dos gastos públicos. No entanto, a pasta defende a reforma tributária, para simplificar o pagamento de impostos e contribuições e reduzir o custo Brasil em meio à maior concorrência internacional.

O atingimento das metas fiscais – diminuição do déficit primário e cumprimento do teto de gastos – também dependerá da contenção de gastos com pessoal, da redução de privilégios, da maior focalização de políticas sociais, da revisão de desonerações tributárias e da redução de subsídios a grandes grupos econômicos, entre outras medidas. Para a pasta, essas medidas não só melhorarão as contas públicas como ajudarão a reduzir a desigualdade.

Além das reformas da Previdência e tributária, a Fazenda inclui nos 21 desafios para o próximo governo a capitalização da Eletrobras, regras mais claras para o distrato na aquisição de imóveis (devolução de imóveis adquiridos na planta), ajustes na regra de ouro (com restrições automáticas de gastos públicos em caso de descumprimento), modernização dos marcos legais de energia e gás e nova Lei de Finanças Públicas.

A pasta também recomenda o corte de benefícios fiscais, financeiros e creditícios, a reforma no regime de cessão onerosa, autonomia do Banco Central (BC), uma nova lei de governança dos fundos de pensão das estatais, a reforma das relações financeiras entre o Tesouro Nacional e o BC, o aumento da integração da economia brasileira com o mundo e o fortalecimento das agências reguladoras.

Encerram as recomendações a eliminação de conflitos de atribuições do BC e do Conselho Administrativo de Defesa Econômica (Cade) na defesa da concorrência no sistema financeiro, as reformas de políticas sociais para concentrar os benefícios na população mais pobre (com avaliação, revisão e redimensionamento de programas sociais), aperfeiçoamentos na legislação de falências e de recuperação e bens não pagos, a modernização da lei de licitações, a cooperação para recuperar as finanças dos estados e dos municípios, o cadastro positivo (lista de bons pagadores) e o programa de recuperação de estatais.

Segundo a Fazenda, a maior parte dessas medidas foi iniciada no atual governo, mas não conseguiu ser concluída no período de 2016 a 2018. A pasta classifica essas ações como uma “agenda necessária para os próximos anos”.

Balanço

O Ministério da Fazenda também apresentou um balanço das ações tomadas nos últimos dois anos para reestruturar a economia. As medidas foram divididas em três eixos: fiscal, produtividade e mercado de crédito.

Do lado fiscal, a pasta destacou o teto de gastos (que, segundo o ministério preservou os investimentos em saúde e educação), o programa de recuperação fiscal dos estados, a devolução de recursos do Banco Nacional de Desenvolvimento Econômico e Social (BNDES) ao Tesouro e a redução dos subsídios, com a reformulação do Financiamento Estudantil (Fies), entre outras ações.

Em relação às ações de aumento da produtividade, a Fazenda citou a reforma trabalhista, o saque das contas inativas do Fundo de Garantia do Tempo de Serviço, a redução das exigências de conteúdo nacional no setor de petróleo e gás e as concessões do Programa Piloto de Investimentos (PPI), além de outras medidas. Como principais ações no mercado de crédito, o balanço mencionou a introdução da Taxa de Longo Prazo (TLP) nos financiamentos do BNDES, a limitação em 30 dias do rotativo do cartão de crédito, a criação de Letra Imobiliária Garantida (LIG) e a regulamentação das fintechs.


          A “fintech sandbox” might sound like a harmless idea. It's not      Cache   Translate Page      
The job of regulators is to protect and safeguard, not to provide free PR.
          Fintech investors and founders to judge Startup Battlefield Africa - TechCrunch      Cache   Translate Page      
Fintech investors and founders to judge Startup Battlefield Africa  TechCrunch

TechCrunch will soon be returning to Africa to hold its Startup Battlefield competition dedicated to the African continent. The event, in Lagos, Nigeria, on ...


          Communication P R Lead (FinTech / IT/ Mobile Payment) $45 -65K - Randstad Hong Kong Limited      Cache   Translate Page      
Salary: HK$45,000 - 55,000 /month, N/A yr of exp, posted on 05 Dec 2018 11:04:00
          After crash: Reasons why Cryptocurrencies like bitcoin will continue to grow      Cache   Translate Page      

Globally, Sub-Saharan Africa and Southeast Asia constitute the largest population of unbanked persons. The situation has created the need for innovative and sustainable fintech solution in the bid to bring on board this social class in the current world of the commercial network. With the increased spread of crypto-based financial solutions, a considerable number of […]

The post After crash: Reasons why Cryptocurrencies like bitcoin will continue to grow appeared first on Techjaja.


          Bahrain Economic Development Board Signs MoU with Maharashtra Government to Cooperate in FinTech      Cache   Translate Page      
(MENAFN - NewsVoir) Mumbai, Maharashtra, India The Economic Development Board (EDB), the investment promotion arm of the Kingdom of Bahrain today signed a Memorandum of Understan...
          Data is money for fintech that helped Coke put names on bottles      Cache   Translate Page      
Big data can generate big money.
          Guan Eng di mata MCA      Cache   Translate Page      
Wartawan MalaysiaGazette
xMGF28112018_Persidangan-SCxSC-Fintech_05-681x452
Lim Guan Eng

KUALA LUMPUR – Selepas enam bulan Pakatan Harapan membariskan anggot Kabinetnya, MCA memberikan penilaian bahawa Lim Guan Eng merupakan Menteri Kewangan paling teruk dalam sejarah negara.

Lantaran itu, Perdana Menteri, Datuk Seri Dr Mahathir Mohamad diminta segera memecat Guan Eng dan menggantikan individu lain yang lebih berkelayakan.

Ahli Jawatankuasa Pusat MCA, Lau Chin Kok berkata, Guan Eng terlalu ghairah untuk membalas dendam politik terhadap pemerintahan Barisan Nasional, sehingga tanpa ragu-ragu mempertaruhkan kedudukan ekonomi negara dan kebahagiaan rakyat.

“Lim Guan Eng adalah Menteri Kewangan yang paling teruk dan tidak berkelayakan dalam sejarah Malaysia. Pemikiran politiknya melampau, dendam kesumat dan iri hati terlalu kuat untuk dikawal.

Dia berfikiran sempit dan boleh mengorbankan ekonomi negara dan kebahagiaan rakyat pada bila-bila masa, hanya untuk membalas dendam terhadap bekas pemerintahan,” katanya dalam satu kenyataan.

Tambahnya, sehingga kini, Guan Eng tidak mempunyai sebarang dasar praktikal untuk membetulkan keadaan ekonomi.

Chin Kok mendakwa Guan Eng telah memulakan rancangan balas dendam politiknya sejak menjadi Menteri Kewangan dengan membesar-besarkan angka hutang negara, memfitnah Barisan Nasional dengan mendakwa menyalahguna pembayaran balik cukai sebanyak RM19.2 bilion.

Beliau juga mengancam untuk menentang jika yuran pengajian Tunku Abdul Rahman University College (TAR UC) dinaikkan berikutan pemberhentian geran kerajaan bagi perbelanjaan operasi.

Tidak cukup dengan itu, Guan Eng memaksa MCA untuk melepaskan TAR UC dengan menggunakan peruntukan kerajaan RM6 juta kepada tiga kolej universiti swasta bukan keuntungan sebagai umpan.

“Sekarang segala-galanya telah didedahkan dan beliau telah menjaringkan gol sendiri. Untuk mengalihkan perhatian, beliau telah melatih senjatanya di MCA, mempolitikkan pendidikan dan mengorbankan minat pelajar untuk menjadi lebih baik,” ujarnya.

Terbaharu,Ketua Audit Negara mengeluarkan laporan mengenai pembayaran balik cukai, yang mengesahkan Guan Eng sebenarnya pembohong.

“Barisan Nasional secara berulang kali dituduh ”mencuri” cukai bayaran balik sebanyak RM19.2 bilion, tetapi laporan itu menunjukkan sebaliknya.

“Pakatan Harapan telah membuat kesilapan dan gagal untuk memeriksa fakta bahawa ” jumlah yang hilang ” telah dikembalikan. Sementara Lim Guan Eng pula terus menipu dan mengelirukan rakyat dengan menyalahkan bekas pemerintahan Barisan Nasional,” dakwanya lagi.

Chin Kok berkata, sejak dipilih menerajui Kementerian Kewangan, Guan Eng tidak pernah memperkenalkan sebarang dasar yang boleh menstabilkan ekonomi negara.

Sebaliknya, beliau menggunakan jalan pintas menjual aset negara dan mencipta ilusi bahawa negara ini berkembang maju di bawah pimpinan Pakatan Harapan.

Tanpa sebarang polisi ekonomi untuk menstabilkan pasaran dan KLCI (bursa), Guan Eng berharap dapat menjual aset negara untuk menghidupkan semula ekonomi negara walaupun kerajaan tidak memotong perbelanjaannya atau menaikkan sumber pendapatannya.

“Ini semata-mata untuk mencipta ilusi negara ini makmur,” katanya.

Selepas menjual ekuiti Petronas dan CIMB, kerajaan Pakatan Harapan kini menubuhkan amanah pelaburan untuk menjual lebih banyak aset kerajaan.

Bermula dengan penjualan 30 peratus ekuiti lapangan terbang domestik, dijangka penjualan sama membabitkan hospital kerajaan, stesen kereta api dan lain-lain tanah.

“Menjual aset kerajaan adalah cara Lim Guan Eng untuk menstabilkan pasaran dan KLCI. Selain menggunakan jalan pintas dan memutarbelitkan fakta, Guan Eng tidak mempunyai cara lain untuk mentadbir negara dan memperbaiki ekonomi,” tambahnya.- MalaysiaGazette



          出海日报 | Grab与菲律宾最大公司SM Investment合作推动GrabPay;东南亚最大投资银行CIMB在越南首推数字银行​       Cache   Translate Page      

大公司

Grab 与菲律宾最大公司合作推动旗下电子钱包

Finnews asia 讯,Grab 宣布与菲律宾市值最高的公司 SM Investments Corporation 合作,双方将协力扩大 GrabPay 支持的支付范围,支持用户通过 GrabPay 支付杂货、电影票、衣服和鞋子等商品和服务及 SM 商店的其他商品。此外,GrabPay 的用户还能够在 SM 旗下的银行如 Banco de Oro(BDO),给电子钱包充值。BDO 是菲律宾资产规模最大的银行,在全国拥有1200家分行和4200多台 ATM 机。SMIC 旗下业务包括购物中心、零售、房地产、银行和旅游业;SMIC 在菲律宾拥有70家商场和2200多家门店。

软银愿景基金将在华设立投资团队

路透社援引知情人士消息称,软银愿景基金(Vision Fund)将于明年在上海设立首个在华投资团队。除上海以外,愿景基金计划还在北京和香港开设办事处。知情人士表示,在华机构总共将雇用约20人。对此,软银发言人拒绝置评。

今年早些时候,愿景基金已经在印度设立了办事处,准备在当地投资50亿美元,关注未来技术,并同时在沙特阿拉伯——该基金最大支持方PIF主权财富基金所在地——设立了办公室。

华平7400万美元首次投资印度fintech公司

印度金融服务机构 Fusion Microfinance 宣布完成 E 轮价值7400万美元融资,本轮融资由全球私募股权巨头华平(Warburg Pincus LLC) 的一个附属机构领投,也标志着华平对印度小额信贷领域的首次投资。新资金不仅用于公司资本基础的扩张,还将帮助其评估潜在的收购机会。据了解,本轮融资为Fusion Microfinance 的早期投资者提供了退出渠道,其中包括 Incofin、NMI、BIO 和SIDBI。

Fusion Microfinance 成立于2010年,迄今为止已放款超过50亿卢比。公司目前在印度18个邦的200多个欠发达地区设有500家分支机构。截至2018年9月30日,平台客户已超130万。

Uber 印度三季度订单总额达16.4亿美元

CNBC 讯,Uber印度公司负责人 PradeepParameswaran 对该公司高管透露,公司在印度的业务第三季度年化订单总额达到16.4亿美元。Pradeep 表示,Uber今年结束时将成为印度专车领域的领导者。第三季度,Uber 印度的工程团队规模翻了一番,公司还计划在明年扩张其在班加罗尔和海德拉巴的两个中心。据了解,印度现在占Uber 全球订单的11%。

印度是Uber在亚洲的最后堡垒。Uber在2016年将其中国业务出售给滴滴,获得对方20%的股份;2017年将其俄罗斯业务与 Yandex 合并;今年3月,Uber在东南亚8个国家出售其业务,获得Grab 27.5%的股份。

菜鸟在比利时投建 eHub

36氪讯,比利时机场 CEO 吕克·帕通与菜鸟副总裁史济苗共同签署了列日 eHub(数字中枢)的合作协议。根据协议,菜鸟将在比利时列日建设一个eHub,枢纽总用地面积超过22万平米。共分三期建设,首期预计于2021年投入使用。截至目前,菜鸟已相继在杭州、香港、吉隆坡、迪拜、莫斯科等地陆续推动 eHub落地。

趋势&政策

新加坡金管局推出2200万美元网络安全津贴

新加坡金融管理局 (MAS) 宣布推出一项针对金融行业价值2200万美元(3000万新元)的网络安全津贴计划。官方声明表示,基金将主要用于提升新加坡在金融界网络方面的抵御能力,帮助金融机构培养网络安全方面的本地人才。

该项津贴属于金融领域科技和创新计划(简称FSTI计划)一部分,金管局将支付最多50%的费用。津贴对象主要有两大类:一是有意在新加坡设立全球或区域网络安全中心的金融机构。二是把主要全球或区域网络安全功能和运作设在新加坡的金融机构,有意扩大和深化它们在本地的网络安全能力。

新交所为扩大全球影响力,重组上市团队

彭博社援引知情人士消息,新交所目前正在重组上市团队,以抵御来自地区其他交易所的竞争。知情人士称,新交所已任命 Mohamed NasserIsmail 为股权资本市场主管。Nasser 此前曾担任中小企业股权资本市场主管,帮助新加坡创业板上市,并担任资本市场发展部主管。

新交所网站显示,成立于2007年、旨在吸引成长型企业的 Catalist,截至去年已有近200家公司上市,市值总计115亿新元(合84亿美元)。与此同时,新交所行业股权资本市场主管 Simon Lim 将前往香港负责新交所的国际事务。

明星公司动态

东南亚最大投资银行 CIMB 在越南推出数字银行

Fintech News Malaysia 讯,CIMB Bank 在胡志明市推出首个 Digital Lounge,并推出了面向消费者的OCTO by CIMB 的手机银行应用。CIMB  2016年在越南河内成立总部后,在胡志明市开设了首家分行,本次 Digital Lounge 的推出也标志着 CIMB 越南数字银行的开始,OCTO by CIMB 具备多种功能,可为客户提供安全、便捷的实时管理财务。

越南最大移动运营商将于2021年启动5G服务

日经新闻网讯,越南最大移动运营商 Viettel 将于2021年启动新一代通信标准“5G”的服务。此外,曾有观点表示,越南国内第二大运营商 MobiFone 和第三大运营商 Vinaphone 也将在同一时期推出服务。

Viettel 目前拥有约6600万用户,占越南国内5成以上的市场份额。公司自2015年起一直讨论引进5G服务。越南政府计划自2019年起,向 Viettel 等各通信公司分配5G频带,到2021年将在首都河内和商业城市胡志明市率先推出服务。

印尼最大电信运营商 Telkomsel 推出成长期企业基金

印尼移动运营商 Telkomsel 战略投资主管表示,公司将在年底前成立一家风险投资机构。据了解,Telkomsel 计划从资产负债表中提取4000万美元用于投资印尼国内及和海外的成长期创业公司。

Telkomsel 成立于1995年,是 Telkom Indonesia 的子公司,截至2018年公司拥有1.72亿客户。今年7月初,公司启动了一个名为 Telkomsel Innovation Center (TINC) 的创新中心,为初创企业、开发人员和系统集成商以及相关行业参与者提供物联网 (IoT) 实验室、指导和训练营项目。通过成立风险投资部门,Telkomsel 成为印尼最新一家通过基金和实体进行科技投资的企业。

值得推荐的公司

老虎基金、Accel 640万美元联合领投印度实时设备监测公司 Facilio

老虎基金 (Tiger Global Management) 与现有投资者Accel Partners 640万美元联手领投 Facilio。新资金将用于公司的业务拓展及研发技术发展。

Facilio 创立于2017年,是一家基于物联网技术的实时设施管理软件公司。三位联合创始人分别是Ramachandran、Rajavel Subramanian 和Yogendra Babu。公司利用物联网(IoT)和机器学习技术收集数据,帮助设施管理人员了解每种固定资产的性能模式,并可为商业地产业主提供实时设施管理。从而促进节能并提高固定资产的使用寿命。公司目前在中东、美国和印度三地发展业务,未来计划在欧洲开始运营。

------------------------------

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フィンテック(FinTech)の進展によって登場した「オンライン融資(オンラインレンディング)」は、これまで煩雑だった融資を、申し込みから審査まで、すべてオンラインで簡単に完結できるサービスだ。海外では特に中国や米国で需要が急成長しており、日本国内でも今後拡大すると予測されている。オンライン融資の市場動向やメリット・デメリット、海外の動向、日本の動向、さらに今後の展開などについて、弥生 兼 アルトア 代表取締役社長の岡本 浩一郎氏に解説いただいた。
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          Lunar Way gets Pisp license      Cache   Translate Page      
As the first in Denmark, the fintech company Lunar Way has been awarded a PISP license.
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