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          Kommentar zu FS233 API für Opi von wefewf      Cache   Translate Page      
Bezüglich außländischer IBANs: Tatsächlich besteht keinerlei Konfusion. Es darf seit SEPA-Einführung keine IBAN mehr aufgrund ihres Landes diskriminiert werden. Das gilt per Gesetz. Scheinbar fürchten dennoch viele noch Kosten wegen Ausland oder haben schlichtweg ihre Prozesse nicht umgestellt. Und natürlich will man sich mit dem neuen Arbeitgeber/Vermieter nicht erstmal streiten. Dürfte jedoch auch Grund sein, wieso N26 als Bank sich mit der deutschen IBAN zufrieden gibt. Die PSD2 Direktive geht tatsächlich eher Richtung Wettbewerb und soll neue FinTech-Produkte ermöglich. Die mittlerweile üblichen Assistenten zum Kontoumzug profitieren davon genauso wie Produkte, die Zugriff auf deine Banktransaktionen benötigen um ihre Dienstleistung anbieten zu können. N26 selbst sieht sich ja als Marktplatz um ziegerichtet Versicherungen und Finanzprodukte anbieten zu können.
          pitch book prepararion       Cache   Translate Page      
I need to write a pitch for a tech based business. award will be granted to one who has ability of - understands tech business esp Fintech - great story teller - creating a great presentations deck with... (Budget: $30 - $250 USD, Jobs: Articulate Storyline, Infographics, Powerpoint, Research Writing, Visualization)
          La fintech Raisin achète la banque allemande MHB      Cache   Translate Page      
La fintech Raisin est heureuse d'annoncer l'acquisition de la banque allemande MHB (sous rèserve d...
Corporate, Crypto Finance Blockchain Daily News

          AFTECH: Kehadiran LinkAja tingkatkan kolaborasi fintech di Indonesia      Cache   Translate Page      
Asosiasi Fintech Indonesia (AFTECH) menilai kehadiran teknologi finansial atau tekfin (fintech) pembayaran LInkAja mampu meningkatkan kolaborasi antarpemain fintech di Indonesia "Justru kita melihatnya akan terjadi ...
          Knox Financial Bags $1.4M Seed Funding      Cache   Translate Page      
BOSTON, MA, Fintech company that is making investment property ownership accessible and frictionless, has raised $1.4 million in seed funding.
          Director, Product Management - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Sat, 09 Mar 2019 15:30:25 GMT - View all Salt Lake City, UT jobs
          Director of Product Marketing - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 07 Mar 2019 21:19:21 GMT - View all Salt Lake City, UT jobs
          Revenue Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 07 Mar 2019 21:19:21 GMT - View all Salt Lake City, UT jobs
          DevOps Engineer - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Support Engineer - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Application Security Analyst - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Director, Software Engineering - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Copywriter - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Account Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Tue, 26 Feb 2019 21:34:19 GMT - View all Salt Lake City, UT jobs
          Strategic Account Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Fri, 22 Feb 2019 21:54:23 GMT - View all Salt Lake City, UT jobs
          Comment on Video: Press Conference On EU Tax List by Retro      Cache   Translate Page      
Will we ever find out what the “ one remaining issue” was ? So we can decide whether or not games were being played. I hope it wasn’t some sort of attempted fintech loophole . We need some more answers on this.
          Könyvkiadás a közösség erejével IV. - tiszta haszon?      Cache   Translate Page      
Küldetés teljesítve? Következő szint!
Közösségi kalapozásodat sikerre vitted? "Be van fejezve a nagy mű, igen. A gép forog, az alkotó pihen." Pont most, mikor az adóhatóság emberei alig várják, hogy közelebbi kapcsolatba kerüljenek veled?




"Mondottam, ember: küzdj és bízva bízzál!"

Azt se te se gondolod, ha összegyűlt a pénz a könyvedre azzal hátradőlhetsz. Most jön csak a java, az ígéret valóságra váltása! Izzítod a gépezetet, a kinézett magánkiadó várja a lét, amint megkapják, hozzálátnak, amihez hozzá kell látni... Megszalad a képzelet, hevül a lélek, álmodban könyvpapírt szagolsz, és lapozást hallucinálsz.
Aztán belerombol az álomba május 15, az adóbevallás végső határideje, aminek hallatán először talán feltartott kézzel rázod a fejed, mi közöd ehhez, magánszemély vagy, se számlatömböd, se adószámod, ne fárasszanak vaklármával, másodszorra viszont fanyar mosolyra húzódik a szád. "Lehetetlen bármiben is biztosnak lenni, a halált és az adókat kivéve" vetette papírra Christopher Bullock, esetedben jelenleg az adó mérvadó. Mindent és mindenkit utolér, a közösségi finanszírozás révén összegyűjtött pénzösszeg sem képez kivételt.

A szabályozás hazánkban kissé kidolgozatlan képet mutat. Sok függ a finanszírozási formától (adomány vagy jutalom), a támogatott körétől (magánszemély, gazdasági társulás, nonprofit szervezet illetve belföldi, EU-s, harmadik országbeli), a támogató személyétől (magánszemély, cég, illetve belföldi, EU-s, harmadik országbeli). A finanszírozás jellege (üzleti vagy nonprofit) is csavar az ügyön, így a felsoroltak együttes hatásából születő állást a konkrét gyűjtés tekintetében lehet megállapítani. A következő finomságok kerülhetnek a látóteredbe és várhatnak rád kötelező érvénnyel:

  • ajándékozási illeték: akkor lép érvénybe, ha a pénzért cserébe nem várnak tőled ellenszolgáltatást. Amint a támogatás éves mértéke támogatónként eléri vagy meghaladja a 150.000 HUF-ot, az államkassza SZJA fizetési kötelezettség helyett 10% illetéket vár tőled.
  • SZJA: a jó öreg személyi jövedelemadó. A kiadást és a későbbi eladásokat követően  folyósított honoráriumod után eleve kifizeted (vagy te, vagy a kiadód, megegyezés kérdése),  ha viszont a pénz nem forog át záros határidőn belül könyvvé, akkor a támogatásul kapott összeg után kifizeted. Számít, hogy a támogatásért cserébe várnak-e tőled vagyoni ellenszolgáltatást, ebben az esetben az összeg 15%-át érinti. Ha adómentesen jutottál a pénzhez, akkor jó, ha ennek tényét alá tudod támasztani megfelelő iratok meglétével.
  • TAO: társasági adó (nem keverendő a sporttámogatással) max akkor zargat, ha a pénzgyűjtést cégként indítottad. Minden közösségi gyűjtéssel befolyt összeg bevételnek számít, növeli az eredményt, emiatt adóköteles. Nonprofit szervezetnél és adományok esetén mentesül, máskülönben csinos 9%-ot vetnek ki rá.
  • ÁFA: minden nap találkozol vele, az általános forgalmi adó ott talál rád, ahol nem is várod. Többek között ha üzleti céllal, ellenszolgáltatás fejében adnak neked pénzt, esélyes, hogy a könyvek számára tartogatott 5%-ot kérik rajtad számon. Főleg, ha te magad értékesíted, de akkor számlaképes magánszemélyként érdemes nyomulnod. Vagy hagyj minden ilyesmit a kiadódra. Ha viszont a támogatóidnak nem ígértél a pénzükért cserébe semmit, akkor áfamentesként lógathatod a lábadat.
Adományt kaptál vagy jutalmat? Adományt általában olyan projektre adnak, amiért semmilyen ellenszolgáltatást (tehát ajándék könyvet sem) várnak tőled, jutalom esetében viszont nagyon is számítanak minimum egy dedikált, egyedi könyvjelzős példányra.
Mire ezt olvasod, valószínűleg körvonalazódott benned, milyen úton-módon szeretnéd formába öntetni írásodat. Közösségen át sem nehezebb célhoz érni, csak más.


Eme adózónás résszel zárom a sorozatot, a korábbi részek itt olvashatóak:

Könyvkiadás a közösség erejével I. - Eszik vagy isszák?
Könyvkiadás a közösség erejével II. - Magyar vonatkozások
Könyvkiadás a közösség erejével III. - Aki megpróbálta

*

Forrás1, forrás2

Bejegyzésben szereplő idézetek (ahol külön nem jeleztem) innét: Madách Imre - Az ember tragédiája
          Is there any API progress among European banks?      Cache   Translate Page      

@Nadia wrote:

Dear FinTech community,

I would like to suggest one very critical question for discussion:

What is the progress among European banks in releasing APIs amid PSD2? Please, feel free to share your experience, thoughts, and figures on the issue.

We have posted an article on our blog, featuring our own experience of communication the API importance to the bankers.

Here is an excerpt:

“The real problem with banks in Europe is in culture and leadership. Forget about any technical issues. This is nothing in comparison to the cultural trap, and this trap is a panic-ridden fear of failing.” by Alex Malyshev, CEO of SDK.finance

Posts: 1

Participants: 1

Read full topic


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Some Fintech startups are betting on the growing Assets Under Management (AUM) of millennials. Among...
          Dubai's DIFC launches $10m fintech fund      Cache   Translate Page      
Dubai International Financial Centre (DIFC) has launched a $10 million fintech fund, appointing Wamd...
          Senior Software Engineer, UI Development      Cache   Translate Page      
NY-New York, An NYC-based fintech startup is seeking a Senior UI Software Engineer. Responsibilities: Create an entirely new real-time trading web UI from the ground up Focus on visual appeal, responsiveness, performance, and usability Participate in product design and provide input on usability early in the design phase Produce prototypes to solicit real user feedback; utilize feedback to evolve the product i
          Kore.ai to Showcase Conversational AI Prowess at Singapore FinTech Festival 2018      Cache   Translate Page      

The post Kore.ai to Showcase Conversational AI Prowess at Singapore FinTech Festival 2018 appeared first on kore.ai.


          Director, Product Management - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Sat, 09 Mar 2019 15:30:25 GMT - View all Salt Lake City, UT jobs
          Director of Product Marketing - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 07 Mar 2019 21:19:21 GMT - View all Salt Lake City, UT jobs
          Revenue Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 07 Mar 2019 21:19:21 GMT - View all Salt Lake City, UT jobs
          DevOps Engineer - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Support Engineer - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Application Security Analyst - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Director, Software Engineering - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Copywriter - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Thu, 28 Feb 2019 21:34:24 GMT - View all Salt Lake City, UT jobs
          Account Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Tue, 26 Feb 2019 21:34:19 GMT - View all Salt Lake City, UT jobs
          Strategic Account Manager - Finicity - Salt Lake City, UT      Cache   Translate Page      
To transform the user experience for data sharing with USAA, JPMorgan Chase, and Wells Fargo. Finicity started out as one of the first 'fintech' pioneers,...
From Finicity - Fri, 22 Feb 2019 21:54:23 GMT - View all Salt Lake City, UT jobs
          QFC forges new partnerships in France      Cache   Translate Page      

The Qatar Financial Centre (QFC), one of the world’s leading and fastest growing onshore business and financial centres, signed two Memoranda of Understanding (MoU) with Paris EUROPLACE and Finance Innovation, to support the growth of Qatar’s booming digital industry.

Paris EUROPLACE is responsible for promoting and developing the Paris financial marketplace. Finance Innovation was launched by the French Ministry for the Economy and Finance in 2007 to stimulate the Paris financial centre, and encompasses 480 member organisations and companies.

The agreements aim to support the development of the digital industry in Qatar, the exchange of expertise in innovation trends, cross-promoting start-ups in France and Qatar, as well as developing appropriate incentive packages to attract international and local companies operating in the digital and technology industry to establish a long-term presence in Qatar. The signing ceremonies were attended by H.E. Sheikh Ali bin Jassem Al Thani, Ambassador for the State of Qatar to France, Yousuf Mohamed Al-Jaida, CEO, QFC Authority, Sheikha Alanoud Bint Hamad Al-Thani, Managing Director, Business Development, QFC Authority, as well as other QFC officials and high-level executives of Paris EUROPLACE and Finance Innovation.

Additionally, QFC officials addressed the audience of the WISE@Paris Summit, which is a Qatar Foundation Initiative. The event gathered 800 French, European and international stakeholders, among them political decision makers, social entrepreneurs, innovators, NGOs and students, to discuss and collaborate on actionable and innovative solutions in education, and was sponsored by the QFC. The QFC’s attending delegation was led by Yousuf Mohamed Al-Jaida, Chief Executive Officer, QFC Authority who provided a keynote speech at the WISE Summit reception, and included Sheikha Alanoud Bint Hamad Al-Thani, Managing Director of Business Development, QFC Authority – who provided the keynote speech to a UNESCO panel titled “A Future of Work For All”, which was held in Station F - the world’s largest business incubator.

On his part, H.E Ambassador Sheikh Ali Bin Jassim Al-Thani, made a special reference to the Strategic Dialogue declaration of intent which has been signed earlier this month in Doha between the State of Qatar and France. He stressed that signing this MOU, between QFC and Paris EUROPLACE and Finance Innovation, is in line with the letter and spirit of the said Agreement, and considered that signing the MOU is a testimony to the strategic relations between the State of Qatar and France. H.E the Ambassador talked also about the importance of the MOU, in consolidating the strategic relations between the State of Qatar and France.

He expressed his confidence that signing the MOU will further improve the economic relations between the two countries. He added that relations between our two countries will see further progress in the near future not only in the economic field but in other fields as well and especially in culture. In this regard, H.E Al-Thani said that we will soon celebrate the Qatar-France cultural year 2020 where the two countries will hold and share various cultural activities. He concluded by saying that these cultural activities will send a clear message that relations between Qatar and France are not limited to economic interests but much deeper and more diversified.

QFC forges new partnerships 2 [qatarisbooming.com].jpg

Yousuf Mohamed Al-Jaida, Chief Executive Officer, QFC Authority said: “The digitalisation of the economy is a key component of Qatar’s ambitious national initiatives and the Qatar Financial Centre’s mandate, both of which aim to enable further economic diversification. We are confident that by partnering with Paris EUROPLACE and Finance Innovation we can jointly contribute towards the continued success of the digital industry in Qatar. We have also recently announced our new strategy which emphasises key sectors including the digital industry, and these new partnerships follow agreements with key local stakeholders including the Ministry of Transport and Communication as well as the Communication Regulatory Authority.”

Sheikha Alanoud Bint Hamad Al-Thani, Managing Director, Business Development QFC Authority said: “Our agreements with Paris EUROPLACE and Finance Innovation are yet another indication of the Qatar Financial Centre’s commitment to the important European and French markets. By leveraging the expertise of these institutions, particularly in the FinTech industry, we are confident that we can contribute significantly to the growth of the sector in Qatar.”

Arnaud de Bresson, CEO, Paris EUROPLACE expressed: “The Paris financial center and its stakeholders have developed close relations with Qatar financial market players since more than 10 years. The signature of the MOU is an important step to accelerate our cooperation in different sectors such as investment banking, infrastructure financing, asset management but also, in financial innovation, based on a strong support to the Fintechs, particularly in the most innovative fields, Blockchain, AI, new payment solutions…”

Joelle Durieux, CEO, Finance Innovation said: “We are excited about our partnership with QFC and the ample opportunities it will provide to our local startups. Doha is one of the fastest growing FinTech markets and Qatar Financial Centre Authority has paved the way for SMEs to develop and test their products within an internationally-recognised regulatory framework and a robust financial ecosystem. This will ultimately allow French startups to expand their presence into the MENA region and explore further prospects for growth.”

Omran Al-Kuwari, Chief Executive Officer, Qatar Foundation International, said: “WISE is a response to the necessity of revitalizing education and providing a global platform for the development of new ideas and solutions. It has evolved into a thriving global, multi-sectoral community, which continues to generate fruitful dialogue and productive partnerships.” Stavros Yiannouka, CEO, WISE, said: “We believe that our ideas about the future matter in education. Through these ideas we can proactively address the challenges and opportunities posed by emerging technologies such as artificial intelligence and automation in the workplace. And we need to seize this moment to rethink what it means to be human.”

Qatar’s digital infrastructure has already achieved significant international rankings including the first globally in Internet Penetration in 2017, as well as ninth globally in ICT adoption according to the World Economic Forum Global Competitiveness Report 2018, as well as many others. Qatar also recently pledged USD $50 million to Kuwait’s investment fund in technology and digital economy across the region, reiterating its continued commitment to developing the digital industry. The QFC’s new MoU agreements are amongst several initiatives to have been launched to spur the growth of the digital industry in Qatar, such as agreements with the Ministry of Transport and Communications, as well as the Communications Regulatory Authority.

The QFC is an onshore jurisdiction that allows registered companies to enjoy competitive benefits, such as working within a legal environment based on English common law, the right to trade in any currency, up to 100% foreign ownership, 100% repatriation of profits, 10% corporate tax on locally sourced profits, and an extensive double taxation avoidance agreement network with 70+ countries.

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          Human Resources Program Lead      Cache   Translate Page      
NC-Fort Mill, Genesis10 is seeking a Human Resources Program Lead for a direct hire position with a FINTECH Financial Services Firm located in the Greater Charlotte Area. Description: To lead and oversee the delivery of Group HR projects and programs in alignment with Group HR strategy. To communicate across the function and fulfil group reporting requirements for HR. The Head of HR Programs works closely with
          Egy debrecennyi ember használja a CIB mobilappját      Cache   Translate Page      

A legnépszerűbb funkció annak a csekkolása, megjött-e a fizetés. De az alkalmi utalás is népszerű felhasználási mód.

Egy debrecennyi ember használja a CIB mobilappját | FinTechRadar.


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A brit Natwest bank április elejétől teszteli kétszáz ügyfele segítségével az ujjlenyomat-olvasóval biztonságosabbá tett érintős bankkártyát.

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          166 ezer dollárért kelt el egy kártyalap      Cache   Translate Page      

Még hogy a digitális jószágoké meg a blockláncé a jövő.

166 ezer dollárért kelt el egy kártyalap | FinTechRadar.


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Amerikában letartóztatták a OneCoin nevű kriptopénzes üzlet vezetőjét. A hatóságok szerint legitim üzlet helyett piramisjátékot épített Konstantin Ignatov és Rija Ignatova.

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          Pan European Regulator: Key Weapon In Money Laundering War?      Cache   Translate Page      
Among the latest headlines swirling in FinTech: Digital bank Revolut, based in the United Kingdom, has taken on an adviser, along with filling new positions, to bolster compliance teams at the firm. As has been reported,  the company has faced concerns over suspected money laundering, as noted in the Financial Times and elsewhere, and has […]
          UK neobanks Tide and Starling Bank have revealed next steps for business banking      Cache   Translate Page      
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Entersekt a publié aujourd'hui des résultats complémentaires de sa récente enquête menée en ligne par The Harris Poll. Le fournisseur de solutions fintech donnant la priorité au mobile a commandité un sondage à la société...
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NC-Fort Mill, Genesis10 is seeking a Human Resources Program Lead for a direct hire position with a FINTECH Financial Services Firm located in the Greater Charlotte Area. Description: To lead and oversee the delivery of Group HR projects and programs in alignment with Group HR strategy. To communicate across the function and fulfil group reporting requirements for HR. The Head of HR Programs works closely with
          Human Resources Program Lead      Cache   Translate Page      
NY-New York, Genesis10 is seeking a Human Resources Program Lead for a direct hire position with a FINTECH Financial Services Firm located in New York, NY. Description: To lead and oversee the delivery of Group HR projects and programs in alignment with Group HR strategy. To communicate across the function and fulfil group reporting requirements for HR. The Head of HR Programs works closely with the Group Head
          Оружие 4.0      Cache   Translate Page      

   Вооруженные силы РФ приступили к созданию суверенного интернета?

   Закрытая система обмена цифровой информацией уже получила название — мультисервисная транспортная сеть связи (МТСС). Первый этап работ завершится к концу 2019-го, а полностью она будет готова через два года.

   По мнению экспертов, опыт создания такой системы пригодится при формировании национальной сети. Наравне с защищенным российским сегментом Всемирной сети, проект создания которого сейчас обсуждается, МТСС должна обеспечить электронную безопасность страны, считают специалисты по кибербезопасности.

   Теоретически военная сеть обмена информацией в будущем может стать сегментом суверенного российского интернета, пояснил ведущий аналитик компании Fintech Lab Сергей Вильянов.


          Digital Marketing Generalist - Holt Accelerator - Montréal, QC      Cache   Translate Page      
Identify and validate / invalidate 5 new growth hacking techniques over the year. Holt Accelerator is Canada's leading Fintech Accelerator, backed by the 5th...
From Holt Accelerator - Sat, 05 Jan 2019 07:51:53 GMT - View all Montréal, QC jobs
          Why are fintechs getting a regulatory pass?      Cache   Translate Page      
As the fintech industry grows, these companies should face the same tough standards as banks and credit unions.
          Forget cash, this debit card offers 'stock back'      Cache   Translate Page      
The rewards card offered by the fintech Stash will let users accumulate stock of companies at which they frequently shop. The company said Tuesday that it has raised $65 million from investors and will offer the card in partnership with Green Dot.
          Technical Training Consultant - Stanley James - Dubai      Cache   Translate Page      
The Role We are currently recruiting a Technical Training Consultant on behalf of a rapidly expanding FinTech with their emerging markets headquarters based...
From gulftalent.com - Wed, 13 Mar 2019 01:10:51 GMT - View all Dubai jobs
          Software Engineering Lead - Ruby on Rails - Stanley James - Dubai      Cache   Translate Page      
The Role We are currently recruiting a Software Engineering Lead – Ruby on Rails on behalf of a rapidly expanding FinTech with their emerging markets...
From gulftalent.com - Wed, 13 Mar 2019 01:10:50 GMT - View all Dubai jobs
          Menteri Bambang Ingin Bisnis E-Commerce Menyasar ke Luar Jawa      Cache   Translate Page      

Liputan6.com, Jakarta - Menteri Perencanaan Pembangunan Nasional (PPN/Bappenas), Bambang Brodjonegoro, mengungkapkan bahwa transaksi perdagangan elektronik atau e-commerce saat ini sebagian besar masih bertumpu di area Jabodetabek. Padahal, untuk pemerataan ekonomi harusnya pertumbuhan itu bisa dirasakan diluar Pulau Jawa.

"Jadi, salah satu misi baik seller maupun visitor bagaimana caranya bagaimana e-commerce juga berkembang di luar Jawa. Juga mendorong kota-kota tier 2 tier 3, sampai tier 4 yang kebanyakan di luar Jawa," kata Bambang saat ditemui di Jakarta, seperti ditulis Rabu (13/3/2019).

Bambang mengatakan, berdasarkan data Badan Pusat Statistik (BPS) orang yang mencari barang atau konsumen 70 persen berada di sekitar area Jabodetabek. Kemudian unique sellers atau penjualan unik juga 80 persen masih terjadi di daerah tersebut.

"Jangan sampai e-commerce booming, unicorn makin banyak tapi semua di Jakarta. Itu Akan membuat sulit menciptakan pemerataan antar wilayah, kita sudah payah membuat kesenjangan antar wilayah tidak makin lebar," katanya.

Bambang menambahkan, keberadaan e-commerce seharusnya dapat membantu pemerataan di wilayah-wilayah luar Jawa. Sehingga tidak terjadi ketimpangan secara signifikan antar wilayah.

"Dengan perdagangan barang yang sifatnya ritel, sekarang ada e-commerce, tolong bantu kami juga supaya kesenjangan tidak semakin lebar karena e-commerce," pungkasnya.

Reporter: Dwi Aditya Putra

Sumber: Merdeka.com

Transaksi E-commerce Naik Rp 13 Triliun Tiap Bulan

Ilustrasi e-Commerce (iStockPhoto)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Sebelumnya, Deputi Gubernur Bank Indonesia (BI), Mirza Adityaswara mengatakan sektor ekonomi digital, khususnya e-commerce terus tumbuh dari waktu ke waktu.

Berdasarkan data yang dihimpun BI, terjadi peningkatan signifikan pada nilai transaksi e-commerce. Transaksi di platform e-commerce mencapai hingga Rp 13 triliun per bulan.

"Kalau sekarang kita lihat aktifitas sektor real yang sudah lewat digital ekonomi ini kelihatan meningkat," kata dia, di Museum Bank Indonesia, Jakarta, pada Jumat 3 Januari 2019. 

"Misalnya data transaksi e-commerce yang diperoleh BI, itu menunjukkan peningkatan melalui e-commerce itu paling tidak yang BI capture sekarang setiap bulan itu sekitar Rp 11 triliun sampe Rp 13 triliun per bulan. Kalau setahun kan bisa Rp 140-an triliun," lanjut Mirza.

Dia mengakui jika dibandingkan dengan total transaksi sektor riil, maka transaksi e-commercememang belum terlalu besar. Namun, pertumbuhan transaksi di platform e-commerce sangat signifikan.

"Memang kalau dibandingkan keseluruhan transaksi sektor ritel tentu masih kecil tapi kalau kita lihat pertumbuhannya, pertumbuhannya itu sudah 100 persen sampai 150 persen yoy. Jadi misalnya Januari over Januari, Desember over Desember," tandasnya.

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          Kepala Bappenas Ungkap Alasan Banyak Investor Masuk Bisnis E-Commerce      Cache   Translate Page      

Liputan6.com, Jakarta - Menteri Perencanaan Pembangunan Nasional (PPN/Bappenas), Bambang Brodjonegoro, mengungkapkan alasan tingginya minat pemodal untuk berinvestasi di bisnis toko online atau e-commerce. Salah satunya para investor melihat peluang besar dan mengincar big data dari transaksi elektronik tersebut.

"Ada satu yang yang mereka incar, yang kita sebut the future gold tapi bentuknya bukan gold, yakni data big data. Jadi investor besar itu mengincar big data," kata Bambang saat ditemui di Jakarta, ditulis Rabu (13/3/2019).

Bambang mengatakan padahal perusahaan e-commmerce yang telah berstatus unicorn sekalipun, banyak yang belum menghasilkan keuntungan, bahkan masih ada sebagian yang merugi.

Namun, para investor dikatakan dia, tidak mempersoalkan hal itu. Sehingga banyak yang berbondong-bondong menanamkan modalnya di bisnis ini.

"Kenapa sekarang orang berbondong-bondong Investasi di perusahaan e-commerce padahal perusahaannya rugi. Unicorn aja belum tentu untung banyak yang masih rugi, istilahnya bakar uang tapi investor berlomba-lomba ingin masuk," jelasnya.

Oleh karena itu, dirinya menekankan agar Kementerian Perdagangan (Kemendag) memperhatikan betul perkembangan perdagangan elektronik ini. Terutama terkait dengan perlindungan konsumen, khsusunya data pribadi.

"Jadi meski itu sesuatu yang menarik di masa depan, tapi pandangan ritel Kemendag pasti punya cara bagaimana memelihara perlrindungan konsumen," pungkasnya.

Seperti diketahui, di Indonesia sendiri telah memiliki 4 unicorn yang mulai dilirik oleh para investor asing dengan valuasi di atas USD 1 miliar (Rp 13,8 triliun).

Adapun ke 4 itu adalah Tokopedia dengan valuasi sebesar Rp 50 triliun, Gojek dengan valuasi sebesar Rp 40 triliun, Traveloka dengan valuasi sebesar Rp 26 triliun serta Bukalapak dengan valuasi sebesar Rp 15 triliun.

Reporter: Dwi Aditya Putra

Sumber: Merdeka.com

Transaksi E-commerce Naik Rp 13 Triliun Tiap Bulan

Ilustrasi e-Commerce, eCommerce, Online Marketplace, Bisnis Online#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F%2F10000

Sebelumnya, Deputi Gubernur Bank Indonesia (BI), Mirza Adityaswara mengatakan sektor ekonomi digital, khususnya e-commerce terus tumbuh dari waktu ke waktu.

Berdasarkan data yang dihimpun BI, terjadi peningkatan signifikan pada nilai transaksi e-commerce. Transaksi di platform e-commerce mencapai hingga Rp 13 triliun per bulan.

"Kalau sekarang kita lihat aktifitas sektor real yang sudah lewat digital ekonomi ini kelihatan meningkat," kata dia, di Museum Bank Indonesia, Jakarta, pada Jumat 3 Januari 2019. 

"Misalnya data transaksi e-commerce yang diperoleh BI, itu menunjukkan peningkatan melalui e-commerce itu paling tidak yang BI capture sekarang setiap bulan itu sekitar Rp 11 triliun sampe Rp 13 triliun per bulan. Kalau setahun kan bisa Rp 140-an triliun," lanjut Mirza.

Dia mengakui jika dibandingkan dengan total transaksi sektor riil, maka transaksi e-commercememang belum terlalu besar. Namun, pertumbuhan transaksi di platform e-commerce sangat signifikan.

"Memang kalau dibandingkan keseluruhan transaksi sektor ritel tentu masih kecil tapi kalau kita lihat pertumbuhannya, pertumbuhannya itu sudah 100 persen sampai 150 persen yoy. Jadi misalnya Januari over Januari, Desember over Desember," tandasnya.

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          Intent Based Networking and 3D Printing      Cache   Translate Page      
Intent based networking will drive the hyperscale applications of the future such as the Internet of Things, 3D Printing, Fintech Services, Streaming Media, Logistics and other areas… Firms Welcome Cisco to Intent-Based Networking, So What’s That? For one thing: “the next big thing on the networking horizon.” “Apstra has the only vendor-agnostic intent-based networking system […]
          FxBrokerFeed Releases its Weekly Forex Market Recap      Cache   Translate Page      
FxBrokerFeed mentioned that joining the application is effortless, as one can use selfies and the photographs of one’s ID card. The Westerners can further relate with Tiger Brokers, as they have Robinhood and Fintech Revolut.
          3/13/2019: Business News: Fast-growing fintech Optal opens Dublin base      Cache   Translate Page      
The Central Bank has authorised Optal, one of Europe’s fastest-growing fintech firms, as it seeks to diversify its operations away from the UK after Brexit. Optal facilitates business-to-business transactions by using virtual credit card payments to...
          FinTech Senior Associate - DBA / DA / Unix Admin for AML Innovation Lab - Grant Thornton - New York, NY      Cache   Translate Page      
Unix/Linux – Knowledge of and ability to administer and troubleshoot issues in Unix and Linux (Ubuntu, Red Hat)....
From Grant Thornton - Mon, 15 Oct 2018 22:18:31 GMT - View all New York, NY jobs
          BI Ignite 2019: How Banks and Fintechs Are Harnessing Data and Emerging Technologies      Cache   Translate Page      
Lisa Frazier, Head of Innovation at Wells Fargo, says the bank wants to use artificial intelligence not just to make their customers' experience smoother and more delightful, but to help them make better financial decisions as well. “It’s become easier to buy things than ever before,” she said during her Ignite Ideas talk at Bank […]
          CUHK Fintech NUS QF 求推荐      Cache   Translate Page      
拿到了港中文的金融科技offer和新加坡国立的定量金融offer,未来想从事quant,倾向于北京,请问选哪个好些呢
          Digital Marketing Generalist - Holt Accelerator - Montréal, QC      Cache   Translate Page      
Identify and validate / invalidate 5 new growth hacking techniques over the year. Holt Accelerator is Canada's leading Fintech Accelerator, backed by the 5th...
From Holt Accelerator - Sat, 05 Jan 2019 07:51:53 GMT - View all Montréal, QC jobs
          FINTECH and the Future of Banking - April 24, 2019      Cache   Translate Page      
FDIC FinTech 2019 event

The FDIC and Duke University’s Fuqua School of Business and Innovation and Entrepreneurship Initiative are pleased to announce that the Fintech and the Future of Banking conference is open for registration.

Where:
William Seidman Center
Arlington, Virginia

When: 
Wednesday, April 24, 2019
8:00 a.m – 6:00 p.m

Register Now!

Full Agenda

Advances in payments, credit, and funding, to name a few, have tremendous potential to transform the business of banking as we know it—both in the way consumers interact with their financial institutions and the way banks do business. Now, more than ever, it is crucial that we understand the impact, scope, and consequences of what we have come to refer to as “fintech.”

The Fintech and the Future of Banking conference leverages research and experience in what promises to be a thoughtful and engaging dialogue on how financial technologies will shape the future of banking and financial services. Treasury Secretary Steven Mnuchin and FDIC Chairman Jelena McWilliams will open the conference with a conversation about the role of financial technology and innovation in banking. Throughout the day, prominent academic experts will present highlights from research focused on technology’s impact on lending, financial advice, and competition alongside the perspectives of senior leaders in policy and industry. Shorter discussions exploring the topics of regulatory innovation and fintech funding will offer the opportunity for regulators and private investors to share their insights on areas in which research is limited and raise questions that spur new research for the future.

Visit the conference website for more information. Space is limited so register early. We look forward to seeing you in April.

At the intersection of research and experience lies good public policy.


Questions? Contact us at Fintech2019@fdic.gov

To keep up to date with the FDIC-Duke Fintech Research Conference follow #FDICFintech2019

To keep up to date with other research from the Center for Financial Research follow  #FDICResearch


          Visa anuncio la apertura de su Estudio de Innovación en la Ciudad de México      Cache   Translate Page      

Visa anuncio la apertura de su Estudio de Innovación en la Ciudad de México


Visa anunció la apertura de su Estudio de Innovación en la Ciudad de México, el tercer espacio de innovación de Visa dedicado a América Latina y el Caribe, después de São Paulo y Miami. Diseñado para fomentar la colaboración y la experimentación en tiempo real, el nuevo estudio ofrece un entorno creativo que utiliza metodologías probadas para que clientes, socios y fintechs desarrollen conjuntamente la próxima generación de soluciones de pago y comercio.

Selanjutnya

Menurut dia, mengatakan, dalam pemberdayaan ekonomi masyarakat yang setara dengan pemberdayaan ekonomi kerakyatan, harus dibangun dengan prinsip keseimbangan, yaitu menguatkan yang lemah tanpa melemahkan yang kuat.

Oleh karena itu, dibutuhkan sinergi antar semua pihak, baik usaha kecil, usaha besar dan pemerintah. 

"Perlu dibangun konsep kemitraan antara kelompok usaha kecil dengan usaha besar dan termediasi oleh masyarakat dan disponsori oleh pemerintah. Ini akan menjadi kesimbungan ekonomi yang dinamis," tandas dia.

 

 

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          3/13/2019: FINANCIAL POST: MASTERCARD TO ACQUIRE FINTECH COMPANY      Cache   Translate Page      

MasterCard says it will acquire Toronto-based fintech Ethoca, which helps merchants and card issuers collaborate to identify and resolve fraud in digital commerce. The global payment processing company did not disclose the terms of the deal, which it...
          Mastercard to acquire Toronto based fintech company Ethoca      Cache   Translate Page      
Mastercard has made several security-focused acquisitions in recent years. Ethoca's network connects roughly 5,000 merchants with 4,000 financial institutions
          3/13/2019: Business News: Fast-growing fintech Optal opens Dublin base      Cache   Translate Page      
The Central Bank has authorised Optal, one of Europe’s fastest-growing fintech firms, as it seeks to diversify its operations away from the UK after Brexit. Optal facilitates business-to-business transactions by using virtual credit card payments to...
          Fintech-Branche: Wie Künstliche Intelligenz säumige Schuldner zum Zahlen bewegen soll      Cache   Translate Page      
Die klassische Zahlungserinnerung steht vor einer Ablösung. Fintechs mischen mit KI die Inkassobranche auf. Ihr Motto: Kommunikation statt Konfrontation.
          PLDT tips Voyager to come good by 2021      Cache   Translate Page      

PLDT predicted the performance of its fintech arm Voyager Innovation will turnaround by 2021, after ...

The post PLDT tips Voyager to come good by 2021 appeared first on Mobile World Live.


           국내 첫 글로벌 핀테크 박람회, 5월 열린다       Cache   Translate Page      
국내에서 첫 글로벌 핀테크 박람회가 5월 열린다. 국내외 금융당국과 핀테크기업 및 예비창업자, 취업준비생 등이 모두 참여하는 행사다. 금융위원회는 5월23일~25일까지 사흘간 서울 동대문디자인플라자(DDP)에서 글로벌 핀테크 박람회 '코리아 핀테크 위크(Korea Fintech Week)'를 개최한다고 13일 밝...
          Spaza shop fintech closes gap in $2.8bn cash market      Cache   Translate Page      
It is estimated that the spaza shop market in South Africa is valued at around R40 billion per year and that 90% or more of the transactions are in cash. This market is growing at around 10% each year. Despite this alarming statistic of unaccounted cash, South Africa’s informal market is characterised by unbanked spaza [&hellip
          Associate Vice President/Vice President - Data Scientist - FinTech - IIT/NIT/BITS (2-6 yrs)      Cache   Translate Page      
New Delhi - Associate Vice President/Vice President - Data Scientist - FinTech - IIT/NIT/BITS (2-6 yrs) Delhi Job Code: 673699 Job Title : AVP/VP...-A, IIT, leaders of Fortune 50 companies and others....
          Associate Vice President/Vice President - Data Scientist - FinTech - IIT/NIT/BITS      Cache   Translate Page      
New Delhi - Associate Vice President/Vice President - Data Scientist - FinTech - IIT/NIT/BITS (2-6 yrs) Delhi Job Code: 673699 Job Title : AVP/VP...-A, IIT, leaders of Fortune 50 companies and others....
          Why This Fintech Star Can't Shake Off Short Sellers      Cache   Translate Page      
German payments company Wirecard has grown spectacularly and some expect an equally spectacular fall. The fintech star’s best defense is to explain its rise much more clearly.
          Senior Software Engineer      Cache   Translate Page      
TX-Richardson, If you are a Senior Software Engineer with experience, please read on! Top Reasons to Work with Us We are an innovative startup in the FinTech / Payments space that is looking for a Senior Full Stack Software Engineer who can help us re-make the world of payments, building the digital bridges from any monetary source and delivering it to any payment destination. The ideal candidate will be a perso
          Kemenristekdikti: Indonesia Innovation Day 2019 Minimal Hasilkan 5 Kerja Sama      Cache   Translate Page      

Liputan6.com, Jakarta Dalam rangka memperkuat keunggulan lndonesia, Kementerian Riset, Teknologi, dan Pendidikan Tinggi (Kemenristekdikti) telah mengembangkan upaya peningkatan kualitas kelembagaan iptek dan Dikti melalui Program Pengembangan Pusat Unggulan lptek (PUl).

Direktur Lembaga Litbang Kemal Prihatman mengatakan, pihaknya akan terus berupaya meningkatkan fasilitas dan bantuan teknis peningkatan mutu produk dan penerimaannya di industri melalui Kegiatan Peningkatan Kapasitas Hilirisasi Produk Unggulan Tahun 2019.

Kegiatan tersebut merupakan salah satu rangkaian Indonesia Innovation Day (ID) 2019 yang akan dilaksanakan di Jerman pada 26 Juni 2019.

"Tujuan dari Indonesia ID 2019 adalah memperkenalkan produk inovatif unggulan PUI dan KST di kalangan institusi riset-inovasi berbagai negara, terutama negara-negara Eropa. Kemudian memperluas jaringan kerja sama internasional," tutur Kemal di Take’s Hotel and Mansion, Jakarta, Rabu (13/3/2019).

"Kerja sama itu baik dalam hal pengembangan teknologi lanjutan, kerja sama sertifikasi produk untuk pangsa pasar internasiohal, perluasan promosi dan pasar atas produk, dan meningkatkan sinergi inovasi yang berkelanjutan antarlembaga PUI dengan pusat riset inovasi dan industri di berbagai negara," imbuh dia.

Kemal menjelaskan, target dari Indonesia ID 2019 adalah menghasilkan minimal 5 kerja sama internasional, terutama dengan negara-negara Eropa. Kerja sama tersebut yaitu dalam bentuk pembuatan produk dengan industri luar negeri, dan pengembangan produk dengan lembaga litbang luar negeri.

"Kegiatan Indonesia ID 2019 ini juga diharapkan dapat menapaki jejak keberhasilan Indonesia ID 2017 yang telah menghasilkan sebanyak 17 MoA dan 3 Lol, serta Indonesia ID 2019 dengan hasil sebanyak 1 MoA, 6 MoU, 15 Lol," jelas Kemal.

Dampak ke depan, diharapkan kerja sama tersebut akan membuka peluang untuk kerja sama lanjutan, meningkatkan ketertarikan pihak asing terhadap investasi riset di lndonesia, dan membuka jalan untuk kolaborasi riset maupun industri negara lndonesia di lingkungan internasional.

Naikkan Kapasitas Indonesia

Kemal menjelaskan, dalam pelaporan Indeks Daya Saing yang dikeluarkan oleh World Economic Forum (WEF), terdapat beberapa kriteria yang menunjukkan masih rendahnya kapasitas Indonesia. Kriteria tersebut antara lain kelembagaan, daya inovasi, dan tingkat kesiapan teknologi yang dihasilkan lembaga riset Indonesia.

"Guna mendorong peningkatan dari ketiga kriteria tersebut, maka beberapa upaya tengah dilaksanakan, antara lain dengan menggalang peningkatan mutu produk inovasi yang dihasilkan sehingga mampu mendorong kesiapan teknologi pada skala produksi-industri," tuturnya.

Indonesia ID 2019 sendiri merupakan yang ketiga kalinya dilaksanakan setelah Indonesia ID 2017 pada tanggal 27 September 2017 di HighTech Campus Eindhoven Belanda, dan Indonesia ID 2018 pada 26 Oktober 2018 di Universitas Kobe, Jepang.

Rangkaian agenda Indonesia ID 2019 terdiri dari public presentation dari produk unggulan oleh lembaga Pusat Unggulan iptek (PUI) dan Kawasan Sains dan Teknologi (KST), Pameran produk unggulan, Business Match Making, dan Kunjungan pada lndustri dan Lembaga Litbang yang terkait, serta penandatanganan kerja sama internasional.

Lingkup produk inovasi yang akan dihilirkan pada Indonesia ID 2019 mencakup bidang Pangan Pertanian (Food Agriculture), Kesehatan Obat (Health Care), Sosial, Budaya, dan Humaniora (Social, Culture, ond Humaniora), Telekomunikasi, lnformasi, dan Komunikasi, Material Maju (Advance Moterial, Kemaritiman (Maritime).

 

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          Brand Designer      Cache   Translate Page      
At SumUp, we are driven to empower small businesses across the globe by de-hassling their lives and helping them to succeed. Our vision as a global FinTech company is to build the first-ever global card acceptance brand, and we are well on our way as small businesses in over 31 countries around the world rely on SumUp to get paid. To get there, we are putting together an awesome team that is committed to one another and to our merchants. You could be our missing link! Help us bring card acceptance to the… | SumUp – Berlin
          Kemenristekdikti: Indonesia Innovation Day 2019 Minimal Hasilkan 5 Kerja Sama      Cache   Translate Page      

Liputan6.com, Jakarta Dalam rangka memperkuat keunggulan lndonesia, Kementerian Riset, Teknologi, dan Pendidikan Tinggi (Kemenristekdikti) telah mengembangkan upaya peningkatan kualitas kelembagaan iptek dan Dikti melalui Program Pengembangan Pusat Unggulan lptek (PUl).

Direktur Lembaga Litbang Kemal Prihatman mengatakan, pihaknya akan terus berupaya meningkatkan fasilitas dan bantuan teknis peningkatan mutu produk dan penerimaannya di industri melalui Kegiatan Peningkatan Kapasitas Hilirisasi Produk Unggulan Tahun 2019.

Kegiatan tersebut merupakan salah satu rangkaian Indonesia Innovation Day (ID) 2019 yang akan dilaksanakan di Jerman pada 26 Juni 2019.

"Tujuan dari Indonesia ID 2019 adalah memperkenalkan produk inovatif unggulan PUI dan KST di kalangan institusi riset-inovasi berbagai negara, terutama negara-negara Eropa. Kemudian memperluas jaringan kerja sama internasional," tutur Kemal di Take’s Hotel and Mansion, Jakarta, Rabu (13/3/2019).

"Kerja sama itu baik dalam hal pengembangan teknologi lanjutan, kerja sama sertifikasi produk untuk pangsa pasar internasiohal, perluasan promosi dan pasar atas produk, dan meningkatkan sinergi inovasi yang berkelanjutan antarlembaga PUI dengan pusat riset inovasi dan industri di berbagai negara," imbuh dia.

Kemal menjelaskan, target dari Indonesia ID 2019 adalah menghasilkan minimal 5 kerja sama internasional, terutama dengan negara-negara Eropa. Kerja sama tersebut yaitu dalam bentuk pembuatan produk dengan industri luar negeri, dan pengembangan produk dengan lembaga litbang luar negeri.

"Kegiatan Indonesia ID 2019 ini juga diharapkan dapat menapaki jejak keberhasilan Indonesia ID 2017 yang telah menghasilkan sebanyak 17 MoA dan 3 Lol, serta Indonesia ID 2019 dengan hasil sebanyak 1 MoA, 6 MoU, 15 Lol," jelas Kemal.

Dampak ke depan, diharapkan kerja sama tersebut akan membuka peluang untuk kerja sama lanjutan, meningkatkan ketertarikan pihak asing terhadap investasi riset di lndonesia, dan membuka jalan untuk kolaborasi riset maupun industri negara lndonesia di lingkungan internasional.

Naikkan Kapasitas Indonesia

Kemal menjelaskan, dalam pelaporan Indeks Daya Saing yang dikeluarkan oleh World Economic Forum (WEF), terdapat beberapa kriteria yang menunjukkan masih rendahnya kapasitas Indonesia. Kriteria tersebut antara lain kelembagaan, daya inovasi, dan tingkat kesiapan teknologi yang dihasilkan lembaga riset Indonesia.

"Guna mendorong peningkatan dari ketiga kriteria tersebut, maka beberapa upaya tengah dilaksanakan, antara lain dengan menggalang peningkatan mutu produk inovasi yang dihasilkan sehingga mampu mendorong kesiapan teknologi pada skala produksi-industri," tuturnya.

Indonesia ID 2019 sendiri merupakan yang ketiga kalinya dilaksanakan setelah Indonesia ID 2017 pada tanggal 27 September 2017 di HighTech Campus Eindhoven Belanda, dan Indonesia ID 2018 pada 26 Oktober 2018 di Universitas Kobe, Jepang.

Rangkaian agenda Indonesia ID 2019 terdiri dari public presentation dari produk unggulan oleh lembaga Pusat Unggulan iptek (PUI) dan Kawasan Sains dan Teknologi (KST), Pameran produk unggulan, Business Match Making, dan Kunjungan pada lndustri dan Lembaga Litbang yang terkait, serta penandatanganan kerja sama internasional.

Lingkup produk inovasi yang akan dihilirkan pada Indonesia ID 2019 mencakup bidang Pangan Pertanian (Food Agriculture), Kesehatan Obat (Health Care), Sosial, Budaya, dan Humaniora (Social, Culture, ond Humaniora), Telekomunikasi, lnformasi, dan Komunikasi, Material Maju (Advance Moterial, Kemaritiman (Maritime).

 

Saksikan video pilihan di bawah ini:


          Swift makes space for 100 startups at Sibos 2019      Cache   Translate Page      
Applications for fintechs to exhibit in the Discover Zone at Sibos 2019 London are now open. This ye...
          Sanderson: Finance Manager      Cache   Translate Page      
Negotiable: Sanderson: A growing FinTech company are looking for an exceptional and dedicated, qualified Finance Manager to join their team. The Finance Manager role will England, London
          Back End Team Lead - TAL Group - Toronto, ON      Cache   Translate Page      
Our client, a part of a well-established fintech company, is looking for Lead Back-End Developer to join their growing agile team in Toronto. They are looking...
From Tal Group - Fri, 08 Mar 2019 00:28:32 GMT - View all Toronto, ON jobs
          Ξεκίνησε η λειτουργία του Κόμβου Καινοτομίας Fintech από την Τράπεζα της Ελλάδος      Cache   Translate Page      

Σε λειτουργία έθεσε τον Κόμβο Καινοτομίας FinTech η Τράπεζα της Ελλάδος. Μέσω αυτού θα παρέχει υποστήριξη και ενημέρωση σε φυσικά πρόσωπα και επιχειρήσεις που εισάγουν ή σκέπτονται να

The post Ξεκίνησε η λειτουργία του Κόμβου Καινοτομίας Fintech από την Τράπεζα της Ελλάδος appeared first on Fortunegreece.com.


          VP- Commercial Loan Officer - Regional Banking Leader      Cache   Translate Page      
CA-Yorba Linda, If you are a VP- Senior Commercial Loan Officer - Regional FinTech Banking Leader with experience in and around the greater Orange County region (LA, Orange County, Yorba Linda, Anaheim), please read on! With regional offices throughout the California Southern Coast, we are a a leading financial institution focused primarily on mid-market business banking, whose assets are approaching $2 Billion.
          "Emprender es un ejercicio de humildad constante que te hace conocerte mejor"      Cache   Translate Page      

En agosto de 2016 y con recursos propios arrancó Predictiva con el objetivo de detectar una problemática en el mercado relacionada con Big data e IA, y desarrollar un producto con potencial de escalabilidad de la mano de clientes para no errar en la identificación y solución del problema. A día de hoy, la startup, que tiene la visión de liderar la robotización de procesos de control de calidad y auditoría de llamadas globalmente de cualquier sector (ventas, servicio al cliente, retención, back office), ha desarrollado CLARA, una tecnología que audita e interpreta miles de interacciones de voz entre los agentes de los call centers y los clientes que coexiste con los principales proveedores de Speech Analytics añadiendo un USP.

Tal y como explican desde la compañía, en la mayoría de call centers es necesario supervisar las llamadas para verificar que las interacciones de voz con clientes o leads se ajustan a las directrices y políticas de calidad establecidas por la compañía. Además, las campañas específicas que implican interacciones con un propósito de venta, tienen la obligación contractual de informar al cliente y recabar su consentimiento de las condiciones legales y claúsulas del contrato.

Su fundador y CEO, Pablo Enciso es emprendedor experimentado con tres startups fintech a sus espaldas. Y por eso para él emprender "es una de las experiencias vitales más enriquecedoras que he vivido. Es un ejercicio de humildad constante que te hace conocerte mejor y tener los pies en el suelo. Te ayuda a crecer, evolucionar y a diferenciar lo importante respecto a lo que no lo es". Pero puntualiza, "para emprender hay que sostenerse en una razón poderosa que en los malos momentos te recuerde por qué no puedes abandonar. Hay que aprender a digerir el rechazo porque va a ser mucho más cotidiano y habitual que el éxito. Es una manera de sentir la vida con mucha intensidad".

Predictiva ha formado parte del Pabellón de España en 4YFN, organizado por los ministerios de Economía e Industria, a través de Red.es e ICEX respectivamente y en colaboración con INCIBE y ENISA. La 38 startups participantes fueron seleccionadas por ambas entidades públicas para representar a España en la cita mundial del emprendimiento y la innovación.  

¿En qué consiste vuestra tecnología y qué problemática soluciona?

CLARA es una tecnología que identifica en el entorno de llamadas de atención al cliente o fidelización, los contextos que pueden impactar en la experiencia de cliente. En el caso de venta telefónica CLARA audita que la información del producto, los aspectos contractuales de la venta o la mención correcta del RGPD, entre otros ítems, están presentes en la llamada y se articulan de forma correcta.

En resumen, CLARA automatiza las labores de control de calidad y auditoría de llamadas en Call Centers.

¿Por qué es importante robotizar los procesos que proponéis?

La mente humana no está preparada para escuchar y analizar las mismas llamadas una y otra vez a los largo de una jornada laboral. Solo una máquina tiene capacidad para mantener ese foco. En un caso de auditoría de venta telefónica, un segundo de distracción puede suponer una sanción por omitir un detalle clave de la venta.

¿Cuál era el estado del sector cuando iniciasteis vuestra actividad?

El sector realiza controles de calidad de llamadas de forma manual mediante la selección aleatoria de una pequeña muestra que no tiene relevancia estadística. Esta limitación impide conocer lo que realmente sucede en dichas conversaciones que son algo parecido a una caja negra. No es posible que en el espacio en el que una empresa se juega la experiencia de cliente no haya tecnología de control y análisis que identifique lo que está ocurriendo.

¿Qué evolución notáis desde que llegasteis al mercado? ¿Qué feedback tenéis?

Sobre todo vemos mucho interés en nuestra tecnología por la capacidad de ampliar,  objetivizar y tener control sobre el universo de llamadas.

¿Quiénes son precisamente vuestros clientes?

Estamos orientados a gran cuenta. Clientes donde el canal telefónico representa una vía clave en la comunicación con sus clientes sin importar la tipología de llamada: atención al cliente, venta, fidelización, etc.

¿Qué es lo más complicado de la captación de los mismos? ¿Qué estrategias habéis utilizado a lo largo de vuestro camino?

Empezamos a puerta fría con un PowerPoint. Necesitamos más de 70 presentaciones y varios meses para conseguir un primer proyecto. Con una primera referencia es más sencillo conseguir el segundo cliente. Cuando sustituyes el Powerpoint por una demo real y el producto es bueno, todo se acelera.

¿Cómo ha sido el desarrollo de la tecnología? ¿Cómo os ha ayudado el auge y progreso de big data o la inteligencia artificial?

El producto está desarrollado in house. Al ser una propuesta diferenciadora ha habido que realizar mucha prueba error hasta que hemos dado con la tecla. Es indudable que la enorme comunidad que publica sobre IA ha sido de gran ayuda, pero también hemos tenido que desarrollar enfoques a medida para resolver problemas que no estaban resueltos en la literatura científica. 

¿Cómo es la coexistencia de CLARA con otros Speech Analytics?

La diferencia fundamental es que las herramientas tradicionales de Speech Analytics realizan búsquedas de palabras o expresiones en trascripciones de voz a texto. CLARA identifica el contexto, el sentido, independientemente del lenguaje utilizado.

¿Por qué os centrasteis concretamente en QA & Audit?

Fue el módulo que ha generado más tracción comercial. Tiene un retorno muy claro al reducir el coste humano de la verificación y aumentar la objetividad en el análisis.

¿Cómo reducís los costes de las auditorías de ventas?

CLARA puede analizar una venta o llamada de ocho minutos en unos pocos segundos sin perder objetividad. Ningún humano tiene esa capacidad.

¿Cómo establecisteis vuestro modelo de negocio actual? ¿Tenéis planeado modificarlo o introducir novedades?

El modelo de negocio supone un coste anual de licencia y por minuto auditado de llamada. El cliente paga en función del uso que hace de CLARA. Tenemos previsto introducir varias novedades a nivel de características de producto a lo largo de este año.

¿Qué ha supuesto para vosotros formar parte del Pabellón de España en el 4YFN?

La participación en 4YFN ha superado nuestras expectativas con creces. Por una parte nos ha permitido conocer a posibles nuevos partners y clientes y, por otra, a fondos interesados en invertir en la compañía. Formar parte del Pabellón de España supone una diferenciación dentro de la feria y eso es una ventaja en cuanto a visibilidad.

¿Por qué creéis que es importante que instituciones como ICEX o Red.es apoyen el emprendimiento?

Apoyar el emprendimiento es apoyar la innovación, crecimiento y empleo y, por tanto, apostar por el país.

¿Con qué otros apoyos habéis contado en el desarrollo de vuestra iniciativa?

Desde un punto de vista económico el crecimiento ha sido orgánico, la compañía se ha ido financiado con ingresos de proyectos. No hemos recibido ayudas, subvenciones o financiación pública o privada hasta la fecha.

Por otro lado nos otorgaron el año pasado el Premio Andalucía Emprende a la mejor Startup de Málaga y hemos recibido asistencia del CADE.

¿Qué objetivos os habéis marcado para este 2019?

2019 es el año donde empezamos a vender el producto exponencialmente y damos el salto a Latinoamérica.

MÁS INFORMACIÓN

Sígueles en Twitter

Conecta con ellos a través de LinkedIn


          New Launches: Dubai's DIFC launches $10m fintech fund, Spanish manager atl Capital unveils megatrends fund, Grab-backer 137 Ventures closes fourth fund at $210m, TPG raises $3.7bn for real estate fund, Sweden's EQT raises $10.16bn for its biggest infrastructure fund      Cache   Translate Page      
Dubai's DIFC launches $10m fintech fund from Finextra: Dubai International Financial Centre (DIFC) has launched a $10 million fintech fund, appointing Wamda Capital and Middle East Venture Partners (MEVP) to manage it. Fintech startups in the Gulf Cooperation Council countries are expected to rai...
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          Crypto: Alan Howard's Elwood targets big investors for digital assets, 50% active gamblers trade in cryptocurrencies, Singapore-based fintech company Sygnum to build tokenised, smart financial infrastructure, Major crypto mergers and acquisitions in 2019      Cache   Translate Page      
Alan Howard's Elwood targets big investors for digital assets From Bloomberg: Elwood Asset Management, owned by hedge-fund billionaire Alan Howard, plans a range of products to lure big institutional investors into digital assets. The company said the new regulated products will cover the full sp...
Article link
          Blog: Blockchain deler vandene – der er kun sort eller hvid      Cache   Translate Page      
Illustration: pexels.com Min seneste blog om, at blockchain ville disrupte den finansielle sektor (baseret på Fintech Disruption Summit), har i den grad fået folk til tasterne. De kommentarer, jeg har fået, er ikke kun i kommentarsporet, men også på Twitter, Facebook, LinkedIn og personlige mail...
          TTS177 Tron Black of Ravencoin      Cache   Translate Page      

Tron Black is an interesting guy on the technical side who makes it easy to understand his technology. I really enjoyed hearing about the evolution of tokens using RavenCoin and what their vision is for the token economy of the future. Is there a chance for a Tatiana Coin Raven Coin edition at some point? Perhaps, but in the meantime, listen in and learn the latest on the road map for development.

Thank you to our sponsor www.MetalPay.com (use code tatianashow to earn more rewards on signup).

About the Guests:

Tron Black is a crypto developer, entrepreneur, and founder of two startups which were sold to publicly traded companies. Since 2013, Tron has been working in the crypto-currency space as a miner, developer, investor, and trader. He was one of the first five employees of t0 (tzero), and helped issue the first publicly traded SEC acknowledged parallel crypto-equity for Overstock.com and the world's first crypto bond offering. He worked for ANX International, a Fintech company located in Hong Kong which runs a Bitcoin exchange and offers Bitcoin Debit cards. Tron is currently a Principal Developer for Medici Ventures which invests in a portfolio of companies including TZero, Factom, Bitt, Ripio, SettleMint, and Spera. Tron has given crypto-currencies to hundreds of people to help increase awareness of how value now moves as easily as e-mail. He's written articles about Bitcoin, Monero, Dash and Ravencoin, and been featured on several crypto-currency podcasts. He has been a panelist at an international blockchain conference and regularly gives talks on crypto-currency topics. Tron is currently an advisor to TZero, TUSC, and Realio.fund, and the lead developer for Ravencoin which is both a top 100 crypto-currency and a leading crypto-asset platform.


More Info:

TatianaMoroz.com

CryptoMediaHub.com

Ravencoin.com

Mediciventures.com

Friends and Sponsors of the Show:

Metalpay.com use code tatianashow


          (IT) Full-Stack Java Developer - Cutting Edge Fintech - Contract      Cache   Translate Page      

Rate: £550 - £650 per Day   Location: City of London   

Senior Full - Stack Java Developer - 12+ Month Contract - Cutting Edge Fintech - Greenfield Project An exciting opportunity has come available for a multi award winning London Based fintech client who are looking for a talented Senior Java Developer to join their highly skilled team on a 12 month contract. The following is required: Strong Full-Stack Java/React Development experience Experience working with enterprise level software solutions Java (Core, Concurrency) Microservices Spring The suitable candidate will be capable of taking ownership of a development area and where necessary, engage in technical discussions with key stakeholders, whilst also being able to contribute to all stages of the software development life cycle. Commercial experience in financial services is preferable but not essential. Rate: £550 - £650/day Duration: 12 months + Location: Central London If you are interested in this Senior Java Developer position and meet the above requirements please apply immediately.
 
Rate: £550 - £650 per Day
Type: Contract
Location: City of London
Country: UK
Contact: Brook Facey
Advertiser: Hunter Bond
Reference: JS-960

          FinTech Mining      Cache   Translate Page      
Pubblicata da josephinemary
https://spontaneousreview.com/fintech-mining-review/

Dettagli e commenti su ZicZac: "FinTech Mining"
Fonte: spontaneousreview.com
          F|T: The FinTech Times – Canada’s new bank      Cache   Translate Page      
Welcome to the FinTech Times, a weekly newsletter covering the biggest FinTech news from around the globe. If you want to read F|T before...
          La bruxelloise Edebex fait une percée spectaculaire en France      Cache   Translate Page      
À la (très bonne) surprise de ses dirigeants, la "fintech" bruxelloise a affiché une croissance de 83 % en 2018.
          BI Ignite 2019: ID Verification Startup Diro Wins DEMOvation Challenge      Cache   Translate Page      
Identity proofing and verification startup Diro Labs won the DEMOvation Challenge today at Bank Innovation Ignite 2019 in Seattle. In addition to bragging rights, the company will receive admission to the INV Fintech Accelerator and an advertising package on Bank Innovation. Vishal Gupta, co-founder and CEO of New Dehli, India-based Diro, said his company solves […]
          Naspers is said to eye fintech deals in R14-billion India push      Cache   Translate Page      
Naspers wants to spend about $1-billion in India this year as it scours the globe for investments that can replicate its blockbuster bet on China’s Tencent, a person familiar with the matter said.
          Opening Remarks: Rabat Conference on the Bali Fintech Agenda      Cache   Translate Page      

Promoting progress in Fintech will surely be a daunting challenge for policymakers Thank you, Governor Jouahri, for your eloquent opening remarks. And thank you to [...]

The post Opening Remarks: Rabat Conference on the Bali Fintech Agenda appeared first on AfricaBusiness.com.


          Digital Marketing Generalist - Holt Accelerator - Montréal, QC      Cache   Translate Page      
Identify and validate / invalidate 5 new growth hacking techniques over the year. Holt Accelerator is Canada's leading Fintech Accelerator, backed by the 5th...
From Holt Accelerator - Sat, 05 Jan 2019 07:51:53 GMT - View all Montréal, QC jobs
          Big Bang Eco, le rendez pour explorer l'impact de la révolution numérique      Cache   Translate Page      
Pour sa troisième édition, qui se tiendra le 27 mars, le Big Bang Eco débattra de quatre sujets autour d'invités de haut vol : l'innovation, la voix, la fintech et l'espace. Avec une pointe d'IA en dessert.
          MercadoLibre activará inversiones en e-commerce y FinTech, e incluye a Chile en prioridades en la región      Cache   Translate Page      
Tras anunciar aumento de capital y acuerdo con Paypal.  “En los próximos meses vamos a lanzar una solución de pago con código QR, y otra innovación será la billetera digital”, dijo el Senior VP Corporativo.Posicionado como el mayor retailer online de América Latina, MercadoLibre apuesta a dar un nuevo salto en sus negocios de e-commerce […]
          OJK Hentikan Usaha 168 Fintech dan 47 Investasi Bodong      Cache   Translate Page      
168 entitas ini diduga melakukan tindak kejahatan finansial secara online. Hingga saat ini, jumlah entitas yang diduga melakukan kegiatan finansial online sebanyak 803 entitas, 404 entitas di antaranya ada sejak periode 2018 dan 399 entitas sisanya ada sejak Januari hingga Maret 2019.
          LinkAja Diyakini Dapat Bersaing di Industri Fintech      Cache   Translate Page      
Direktur Konsumer BRI Handayani pun optimis LinkAja akan menjadi platform pembayaran digital karya Indonesia yang kuat dan dapat bersaing. Diketahui, LinkAja sudah diluncurkan sejak 1 Maret lalu.
          Expertos de inversión en Startups de la Universidad de Berkeley vuelven a Madrid para impartir el Programa Venture Capital Academy      Cache   Translate Page      

Tras el éxito de la primera edición del Venture Capital Academy Program, Startup University, en colaboración con ICADE Business School, vuelve a traer a Madrid a expertos de inversión en startups de la talla de Adam Sterling (Berkeley Center for Law and Business), Gregory LaBlanc (Berkeley Fintech Institute) y Deborah Kang (Startups@BerkeleyLaw) para la segunda edición del programa.

La iniciativa, única en España y que lleva ofreciéndose con éxito desde hace años en Silicon Valley, abordará durante tres días (20, 21 y 22 de mayo) las claves estratégicas para la ejecución de inversiones de capital riesgo, incluyendo la valoración de oportunidades, la negociación con startups y la elección de los instrumentos legales adecuados.

VC Academy combina el programa que estos mismos profesores imparten en California en Berkeley-Haas School of Business y Berkeley School of Law con sesiones en las que inversores profesionales nacionales comparten su propia experiencia de inversión en España. Venture Capital Academy mezcla un enfoque teórico con un aprendizaje práctico, de modo que, además de las ponencias de los expertos, se realizarán estudios de casos reales, discusiones y ejercicios de simulación. En la clase de la primera edición estuvieron representadas empresas como Repsol, Iberdrola, KPMG, Deloitte o el European Investment Fund.

PONENTES

Adam Sterling es Director Ejecutivo del Berkeley Center for Law, Business and the Economy y co-fundador de Startup BerkeleyLaw. Ha sido abogado especializado en startups y venture capital en Gunderson Dettmer, así como co-fundador y director de Sudan Divestment Task Force. Adam colabora habitualmente con The Wall Street Journal, The Financial Times, The New York Times, The Los Angeles Times, The San Francisco Chronicle.

Gregory LaBlanc es Profesor de Berkeley-Haas School of Business especializado principalmente en Finanzas y Estrategia. Su investigación analiza la intersección del Derecho, las Finanzas y la Psicología en las áreas de Estrategia de negocios y la gestión de riesgos.

Deborah Kang es la Directora de Startup BerkeleyLaw, donde forma y asesora a startups e inversores del campus de UC Berkeley, de Silicon Valley, e incluso a nivel mundial.

A QUIÉN SE DIRIGE

  • Business Angels.
  • Inversores Profesionales.
  • Gerentes de Fondos de Inversión Corporativos.
  • Directores de Innovación Corporativa.
  • Abogados mercantilistas que quieran mejorar su capacidad de asesorar, negociar y ejecutar inversiones de capital riesgo en startups en etapas iniciales.

El plazo de presentación de candidaturas para participar en el programa ya está abierto. Las plazas son limitadas. 


          Компанията за дигитални разплащания Revolut започна да предлага сметки в левове      Cache   Translate Page      

Британската компания за парични трансфери и дигитални разплащания Revolut въведе опция за откриване на сметки в левове. С това тя става първият международен играч на пазара, който спестява на местните потребители разхода по превалутиране при използване на услугите й. Новината бе съобщена на форума FinTech Summit, на който "Капитал" е сред организаторите. Участниците в него научиха още, че Revolut вече има представител на бранда за България и това е Стойчо Недев. Това е още едно доказателство за...
          FinTech Summit 2019: Консолидациите на пазара ще зачестяват      Cache   Translate Page      

Ръсел Тейлър e главен търговски директор на Software Group. Има повече от 20 години опит в разработването на нови пазари и създаването на технологични канали за дистрибуция на банкови продукти и услуги. Експертизата си е натрупал както на развити пазари като САЩ, Канада и Централна Европа, така и в развиващи се икономики в Африка, Централна Азия, Карибите. Притежава специални познания в областта на микробанкирането и финансирането на малки и средни предприятия. Тейлър ще бъде сред лекторите на...
          Software Delivery Manager - Agile (Fintech)      Cache   Translate Page      
Understanding Recruitment - South West London - Software Delivery Manager - Agile (Fintech) We are seeking a Software Delivery Manager to join this award-winning, tech consultancy... Software Delivery Manager lead a small number of Agile teams (.Net & Java), drive the delivery of complex IT proje......
          Associate Project Manager, Finance Solution Delivery - FinTech Sector      Cache   Translate Page      
Lead Search Ltd - Warrington, Cheshire - for project delivery of innovative financial services to global corporates, from sales to operations. Requires project management skills and financial...
          Anticipo: el banco digital más grande de Brasil llega a la Argentina y hablan de "bomba" para el mercado fintech      Cache   Translate Page      

Se trata de Nubank, que rápidamente se convirtió en el sexto emisor de tarjetas del mercado brasileño. Promete una competencia agresiva en el sector

La industria fintech en Argentina vive su momento de esplendor.

Con más de 130 empresas, un crecimiento de 110% y transacciones por u$s6.000 millones el año pasado, este sector -al que muchos conocen como el de bancos 100% digitales-, se prepara para seguir por este sendero alcista durante 2019.

Una de las razones de este repunte exponencial tiene que ver con el terreno fértil que esta actividad tiene para florecer: sólo el 48% de los argentinos está bancarizado. En otras palabras, una de cada dos personas son potenciales clientes que podrían sumarse a sus carteras.

Pero hay más, de los que sí lo están, una gran mayoría (70%) no utiliza servicios financieros con frecuencia, revelan fuentes del sector. Es decir, cobran su sueldo en una cuenta, pero rápidamente extraen sus fondos y no poseen ni siquiera una tarjeta de crédito.


Ante este escenario, no sorprende que empresas internacionales pongan la mira en el país y aprovechen el "boom fintech". Y una de ellas es nada menos que un "peso pesado" regional que, tras su rotundo éxito en Brasil, ultima detalles para su desembarco en la Argentina.

Su arribo será una verdadera "bomba" para el sector, ya que desplegará una propuesta agresiva que hará crecer la grieta entre los bancos tradicionales y digitales. Si bien los players de ambos bandos hablan de "complementariedad", lo cierto es que será una competencia más feroz.

En apenas unos días, según pudo confirmar iProUP, comenzará a operar un gigante cuyo crecimiento en el país vecino ya permite anticipar que se convertirá en el próximo unicornio de América Latina. Es decir, su valor de mercado superará los u$s1.000 millones. Y claro está, será una de las fintech más potentes de Argentina.

Va por todo

La estrategia para el desembarco en el país fue planeada minuciosamente. Nada quedó librado al azar.

Así, Nubank, el banco digital más grande fuera de Asia, promete "patear" el tablero fintech local. Según pudo saber iProUP, Rafael Soto, hasta hace poco CTO de Wenance (Chieff Tecnology Officer), será el encargado de comandarla.

Por ahora, el silencio forma parte del plan de la compañia: la orden que llegó de San Pablo es la de no hablar todavía con la prensa. En tanto, Desde la Cámara Argentina Fintech, en tanto, señalaron a este medio que no han mantenido "ningún contacto formal".

iProUP se comunicó con Kaszek Ventures, el fondo más importante de América Latina, creado por los ex Mercado Libre Hernán Kazah y Nicolás Szekasy. No sólo tienen a Nubank dentro de su portfolio, sino que además Szekasy es miembro del directorio de la fintech.

"No comments, lo único que podemos decir es no comments", remarcaron ante la insistencia de iProUP, en el marco del impulso que le darán al arribo de Nubank a la Argentina.

Las fuentes consultadas creen que seguirán la estrategia de expansión que ya desplegaron con NotCo, la alimenticia chilena que produce alimentos clonados con "inteligencia artificial" y que también llegará con sus productos a las góndolas de Jumbo en estas tierras.

En cuanto a Nubank, contará con el apoyo de la china Tencent –la quinta tecnológica más grande del planeta, por delante de Facebook– que desembolsó la friolera de u$s180 millones para quedarse con una parte de Nubank.

Esta inversión, la primera del holding asiático en Latinoamérica, disparó la valuación de mercado de Nubank hasta los u$s4.000 millones. Y forma parte de su plan de extender sus tentáculos en la región ante el crecimiento de varias startups tecnológicas.

Ante el silencio de los protagonistas, las fuentes consultadas señalan que, efectivamente, Soto ya no forma parte del equipo de Wenance, una de las fintech locales con mayor crecimiento y cartera de productos, que incluso incursionó en el mercado europeo.

Por lo pronto, Nubank está poniendo en en regla sus papeles para operar en el país. Como muestra, ya registró el dominio de Internet nubank.com.ar el 29 de enero, con la razón social "S.A. Nu Pagamentos" (similar a la que usa en Brasil) y la Clave de Identificación (CDI) número 50-87442707-9. Este conjunto de cifras es una especie de CUIT para extranjeros, necesario para dar de alta la dirección web en Nic.ar.

Si bien, como toda financiera de base tecnológica, competirá contra los bancos tradicionales, se prevé que el golpe más fuerte lo dará directamente sobre el mundo fintech.

"Un crédito como el que otorga la fintech Afluenta tiene un costo financiero muy alto, superior al 105%, contra el 80% anual del Banco Nación. En muchos casos bajo el pretexto de la inclusión financiera te 'matan' con la tasa", apunta un banquero a iProUP. Es por ello que el arribo de Nubank tornará más competitiva no sólo a la banca digital sino también a la tradicional.

Si se toma como referencia lo sucedido en Brasil, tardó muy pocos años en escalar al "top 6" como emisor de tarjetas de crédito, superando a entidades histróricas. ¿Cómo hizo? pateó el tablero saliendo a ofrecer con su "tarjeta morada" tasas más bajas que las vigentes en el mercado.

El éxito ha sido total: hasta hay lista de espera para ser cliente del banco digital. Con una apuesta agresiva, la Mastercard de Nubank proporciona en tierras verdeamarelhas una financiación que arranca en los 2,5% mensual, lo que llevó a las principales entidades de Brasil a tener que reducir el costo del dinero prestado.

Pero hay más, a los asalariados que tienen tan solo unos días dinero ocioso en sus cuentas, les abona una tasa, algo similar a lo hecho por Wilobank o Mercado Pago en Argentina.

Competencia feroz
Además de Nubank, este año llegarán otros bancos digitales, al tiempo que se irán consolidando los existentes. En este marco de competencia, los "tradicionales" comenzaron a ofrecer ventajas para evitar la fuga de clientes hacia los nuevos jugadores.

Entre los online, el lanzamiento más fuerte será el de Openbank, del Santander, que en España ya cuenta con un millón de clientes. Tal como diera cuenta iProUP, la operación estará en manos de Federico Procaccini, ex CEO de Google Argentina. Se espera que haga su debut en junio.

"Openbank es parte del proceso de transformación digital que vive Santander. Ofrecerá un día a día más simple, optimizará procesos internos y mejorará la experiencia de los clientes", indican desde la empresa a iProUP.

Ofrecerá caja de ahorro, tarjetas de créditos, préstamos e inversiones, entre otros servicios, que se lanzarán de manera escalonada a medida que vaya rodando Openbank.

Otro de los que utlima detalles para su debut es Rebanking, de Grupo Transatlántica, que lo hará de la mano de American Express, que también hará su incursión en el segmento fintech.

"Rebanking está pensado como una 'compañía de producto' que ofrece el servicio adecuado a la necesidad de cada persona", explica a iProUP Stefano Angeli, CEO de la entidad digital.

Propone otorgar beneficios a partir del comportamiento del cliente, gracias a una herramienta que combina información pública con la incidencia de su comportamiento financiero.

Naranja es otra de las que apostará fuertemente al segmento: entró en la comunidad digital con productos y servicios –propios y de terceros– para consolidar herramientas de cobro y alianzas que apunten a facilitar la vida cotidiana.

"No vamos a dejar de ser Naranja por incorporar una capa mucho más digital. Tenemos que basarnos en nuestro ADN, que son las personas", adelanta Gustavo Fazzio, director de Servicios Financieros de Naranja, a iProUP.

Hoy, cuenta con poco más de 1,1 millones de usuarios digitales activos por mes. También ofrece la App Naranja, un botón de pago para sitios de ecommerce y Naranja Pos, para que tiendas y profesionales acepten tarjetas de crédito.

Por el lado de los jugadores que ya están en la cancha aparece Wilobank, liderado por Eduardo Eurnekian, de Aeropuertos Argentina 2000 y Corporación América y Guillermo Francos, exdirector del Bapro. Ya acumula 26.000 clientes y espera terminar 2019 con 150.000.

"Vimos un espacio muy grande de inclusión, que no sólo tiene que ver con las nuevas generaciones como los millennials, sino también con quienes no encuentran en la banca la respuesta adecuada", afirma Francos a iProUP.

De esta forma, ofrece a los no bancarizados préstamos, tarjetas de créditos y cuentas en pesos y dólares, entre otros productos, además de la posibilidad de ingresar a operar por Internet en cualquier momento.

Otro de los que ya está operando es Brubank, de Juan Bruchou, expresidente del Citi, quien también propone una plataforma 100% digital y móvil. Ofrece a los interesados una caja de ahorro -en pesos y dólares-, plazo fijo, préstamo personal y la posibilidad de efectuar transferencias a cualquier banco tradicional.

Pero si hay algo en lo que quiere diferenciarse es en la buena experiencia de sus usuarios que, al fin y al cabo, serán lo que decidan el éxito de su plan de negocios. Así, se lanza al mercado junto con una tarjeta Visa contactless. Además, permite "cuotificar" las compras realizadas con débito.

Los bancos tradicionales también están desplegando su arsenal para no perder terreno ante las fintech. Y así lo seguirán haciendo, más aun ante la llegada de Nubank.

Uno de ellos es el Galicia: su producto Move ya cuenta con 120.000 usuarios. Ofrece el programa de fidelización Quiero! que permite acumular puntos a través de las compras con tarjeta.

ICBC también dice presente en la contienda. Para ello, ha potenciado su programa de beneficios ICBC Club, que se unificó recientemente con ICBC Store, su portal de ecommerce, para la compra de productos y el canje de puntos entre más de 20.000 artículos.

Por su parte, Itaú puso en marcha su plataforma web "Abrí tu cuenta", una solución integral a nivel regional que permite la apertura de una cuenta de forma 100% digital desde cualquier dispositivo móvil en cinco minutos.

De esta forma, sólo hay que completar información personal, subir una selfie y la foto del DNI. Luego, la entidad propone hasta cuatro conjuntos de productos según el perfil de cada cliente.

Entre los públicos, Banco Nación está en un proceso de expansión a través de la instalación de distintas Unidades de Negocios para aumentar la cobertura geográfica, fomentar el desarrollo financiero, facilitar el acceso a quienes recurren a sucursales tradicionales e incrementar la presencia institucional en centros urbanos con dependencias tecnológicas.

En cuanto a los programas de millas, Aerolíneas Argentinas relanzó su plan AR Plus, remplazando el acuerdo de exclusividad que poseía con el Galicia, para sumarse también a los de las tarjetas de Macro, Hipotecario, Nación, Provincia y Credicoop.

Latam tampoco se quedó atrás: se unió al BBVA Banco Francés para sumar los puntos de su programa de fidelización que promete mayores beneficios en pasajes aéreos.

Nubank sigue desarrollando su estrategia en silencio, pero promete hacer mucho ruido en el terreno fintech en los próximos días ante una fuerte competencia de los bancos digitales locales para consolidarse en el mercado. Para muchos, lo de ahora es la calma que antecede a la tormenta.

Fuente: https://www.iproup.com/mundo-fintech/3305-cuenta-transferencia-banco-digital-Nubank-llega-a-la-Argentina-cuantas-fintech-hay-en-Argentina

          Investing app Stash just rolled out a new debit-card rewards program that gives customers a stake in the companies they shop at      Cache   Translate Page      

Brandon Krieg Stash Headshot

  • Stash, a micro-investing app, is rolling out a "Stock-Back" program that rewards its debit-card holders with fractional shares of stock in companies they've shopped at.
  • "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder," Brandon Krieg, cofounder and CEO of Stash, told Business Insider. 

Shoppers in the US are used to receiving rewards like cash, points, or extra miles on their credit card purchases. But what about a card that gives you shares in your favorite brands? 

Stash, best known as a micro-investing app, is offering a new spin on a customers reward program. The company announced earlier this week a first-of-its-kind debit-card rewards program awarding customers fractional shares of stock in companies they've shopped at. 

The program, named "Stock-Back," aims to turn American consumers into shareholders and save them from a mounting pile of credit card debt, according to Brandon Krieg, cofounder and CEO of Stash.

"We hope to help our clients live better financial lives, increase their financial health, and at the same time, become shareholders everywhere they spent money," Krieg said. "It really helps promote better financial behavior and get people away from going further and further into debt through their credit cards.

See more: SoFi held talks to acquire a fintech company backing some of the hottest robo advisors as it eyes expansion beyond its lending roots

Founded in 2015, Stash aims to change how people engage with financial services and empower those who lack knowledge of investments and wealth management. It has lowered investing hurdles for the non-rich by enabling investors to open an investment account with as little as $5.  Last year, the company expanded into banking through its partnership with Green Dot Corporation and it now offers an FDIC-insured bank account.

The new "Stock-Back" offering is an add-on to those existing features and part of an effort to integrate investing with banking, Krieg said. 

So how does it work?

First, you need to own both a debit account and a brokerage account with Stash. Then when you make a purchase using the Stash debit card, the company will put a certain percentage of the dollar amount that you spend into your brokerage account and use the money to buy the fractional stock of the vendors you just shopped at, or its parent company.

See more: Main Street banks say fintechs like Monzo, N26 and Chime pose the biggest disruptive threat to their businesses — and they're fighting back

If Stash can't match the stock on its platform, say if the vendor is a local retail outlet that is not publicly listed or its stock is not currently offered by Stash, you will get a fractional share of the Vanguard Total World Stock ETF. Stash said it offers over 200 stocks - of which many are consumer-facing brands, including Amazon, Alibaba, Chipotle, McDonald's, and more - on its platform.

Right now, the "Stock-Back" program offers a 12.5 basis points reward on each purchase, but transactions at certain merchants allow higher rates. If you buy a subscription to Netflix and Spotify, the earning rate is 5%, while a purchase of a coffee at Starbucks or Dunkin earns 2%, according to Krieg.

That means that if you spend about $144 dollars a year on your Netflix subscription, you'll get about $7.20 dollars of Netflix’s stock. Cardholders cannot forgo the investment in a single stock unless they opt out the entire reward program.

As Krieg put it, "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder."

See also: A fintech firm backing hot robo advisors like Betterment and Stash is planning to launch crypto custody services within the next few months

While a 0.125% reward appears to be teeny-tiny, the fact that cardholders will gain shares makes it better than rewards based on points in many respects, Krieg said.

“Points go down in value, points deflate, and points expire," he said. "Stock of good quality companies over time historically goes up, and that’s the most powerful context. And remember one other thing: As you build positions in stocks on Stash, you get dividends on your holdings. That’s the gift that keeps giving you dividends."

The upstart just racked in $65 million in its Series E funding round closed in February. The investment was led by an undisclosed private institutional investor, with participation from new and existing investors. The company refused to disclose its valuation. It raised at $350 million as of its last round led by Union Square Ventures last February, according to PitchBook.

Join the conversation about this story »

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          Testreszabható biztosítással környékezi meg a fiatal utazókat a Pluto      Cache   Translate Page      

Az y-generációsok, akikről annyi cikk született már, hogy felsorolni is fárasztó lenne, nem vásárolnak utasbiztosítást. Vagy legalább is ezzel adja el magát a brit Pluto nevű startup.

Testreszabható biztosítással környékezi meg a fiatal utazókat a Pluto | FinTechRadar.


          OJK Hentikan 168 Fintech Ilegal dan 47 Investasi Bodong      Cache   Translate Page      
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          出海日报 | 印尼OJK颁布新规,进一步加强对线上借款平台的监管;“拉美版淘宝”MercadoLibre获PayPal和Dragoneer8.5亿美元投资       Cache   Translate Page      

东南亚

印尼 OJK 颁布新规,进一步加强对线上借款平台的监管

36氪讯,印尼金融监管局 OJK 进一步加强了对当地线上借款平台的监管。 OJK 对申请运营执照的公司提出了六项要求。具体如下:

1.借贷平台必须使用电子签字;2. 必须从印尼 IT 部获得许可;3. 和小额保险服务商合作;4. 和银行合作;5. 和拥有 OJK 牌照的信用评分公司合作;6. 和催收公司合作,而催收公司需要在印尼金融科技协会(Indonesian Fintech Association) 注册。

另外,OJK 还表示会将提供借款服务的金融科技服务分为三类:

第一类:有闭环生态的公司,比如 Go-Jek 和线上借款公司合作,面向司机提供贷款服务;

第二类:公司有开放的生态,但只服务特定的客群,比如只向农民和渔民提供借款;

第三类:提供消费贷和发薪日贷款 (payday loan) 的公司 。

OJK 表示会向第一类和第二类公司优先发放牌照,目前申请注册的公司中,有30%的公司提供的是消费贷。

摩拜拟退出新加坡市场,已向当局提交牌照撤销申请

Channel NewsAsia 讯,新加坡陆上运输管理局(LTA)周二证实,摩拜单车已于周一(3月11日)申请撤销其在新加坡的共享单车牌照。LTA 表示目前正在评估摩拜的申请,并对摩拜强调,若牌照撤销申请通过,摩拜必须要采取适当的退出措施,移除公共场合的所有单车。公司需根据协议条款退还用户的账户余额与押金。据了解,摩拜也撤销了 PMD 共享牌照和增加公司共享单车投放规模的申请。随着市场大幅收缩,摩拜在周一时表示,公司将从部分亚洲市场退出,并重新评估其在海外市场的子部门。

新加坡经济酒店预订平台 RedDoorz 计划再融5000万美元

KrASIA 讯,新加坡经济酒店预订平台 RedDoorz 计划在 B 轮融资5000万美元,据报道启明创投或为领投方。新资金将用于公司今年在东南亚地区100家酒店的扩张。

RedDoorz 创立于2015年,公司定位是一家东南亚轻资产经济连锁酒店业服务平台,能够为消费者提供酒店房间的线上预定服务,为酒店提供员工培训及品牌宣传。公司称目前在印尼、新加坡、菲律宾等地拥有超过500家低价房产。

Grab 向合作伙伴开放反欺诈工具包

Tech in Asia 讯,Grab 宣布,将向第三方伙伴开放内部开发的防欺诈技术——Grab Defense。这套技术是基于 Grab 自身应用数据及解决叫车欺诈方面的经验形成的。当前,东南亚叫车服务行业的欺诈行为包括伪造 GPS、虚假订单及和奖励游戏,该行为在印尼尤其普遍。Spire 曾曝出,在印尼,有30%的 Go-Jek 的订单及5%的 Grab 订单为虚假订单。

拉美

“拉美版淘宝”MercadoLibre 获 PayPal 和 Dragoneer 8.5亿美元投资

TechCrunch 讯,拉美电商巨头 MercadoLibre 宣布获得 PayPal 7.5亿美元和 Dragoneer 1亿美元投资。新资金将用于 MercadoLibre 扩大旗下电商平台功能,改善其物流基础设施及平台技术。当前,MercadoLibre市值为217.5亿美元。

本次投资对于 MercadoLibre 和 PayPal 而言,不仅是财务投资,也是一项战略投资。PayPal 和MercadoLibre 建立起的合作伙伴关系,有助于 PayPal 从 MercadoLibre 的业务增长中获得巨大收益。此外,MercadoLibre 还为 PayPal 提供渠道,帮助 PayPal 通过 MercadoLibre 客户和卖家的买卖情况,了解当地民众偏好。

非洲

肯尼亚运营商与阿里速卖通达成移动支付合作协议

彭博社讯,肯尼亚最大移动运营商 Safaricom 同意与阿里巴巴旗下速卖通展开合作,在当地提供电子支付服务。协议签订后,Safaricom 用户将能够在肯尼亚境外使用 M-Pesa 移动支付,阿里速卖通用户也可以使用 M-Pesa 购物。Safaricom  CFO  Sitoyo Lopokoiyit 表示,此次合作不仅表明Safaricom 将 M-Pesa 成功推广到肯尼亚境外,也表明肯尼亚进入国际电商市场。

非洲最大电商平台 Jumia 提交 IPO 招股书

非洲电商平台 Jumia Technologies 向美国证券交易委员会 (SEC) 提交了IPO申请书,寻求在纽约证券交易所挂牌上市。

根据招股书的信息显示,截至2018年底,Jumia 平台的活跃卖家人数达8.1万,活跃消费者人数为400万。2018年 Jumia 平台 GMV 达到8.282亿欧元,公司营收为1.306亿欧元,总亏损1.704亿欧元。当前,Jumia 活跃于非洲6个地区的14个国家,这些国家的 GDP 之和在2万亿欧元的非洲 GDP 总额中所占比例为72%。

尼日利亚金融公司 OneFi 获500万美元债务融资

ITnewsafrica 讯,OneFi 宣布,公司旗下消费者平台 Paylater 完成价值500万美元的债务融资。债务工具来自融资机构 Lendable,该机构为非洲消费者和中小企业贷款机构提供技术支持,总部位于内罗毕。债务工具将通过一系列创新的新产品,向之后付款的客户发放贷款。

印度

印度共享租车平台 Drivezy 计划融资1亿美元,向美国市场扩张

TechCrunch 讯,Drivezy 计划完成1亿美元的股权融资和4亿美元的资产融资。在巩固本地市场地位的同时,公司计划向美国市场扩张。公司三个月前刚刚完成2亿美元 B 轮融资。

Drivezy 创立于2015年,由 Y Combinator 和谷歌的 Launchpad Accelerator program 创业加速器项目孵化而来。公司目前每月汽车预定数量超过53000辆,当前平台拥有7500辆摩托车及3500辆汽车。

印度经济连锁酒店 OYO 计划投资2.13亿美元用以发展其印度及南亚业务,推出新品牌 Collection O

Yourstory 讯,OYO 印度及南亚 CEO Aditya Ghosh 发表声明,公司计划投资2.13亿美元用于其印度及南亚业务发展,新资金将主要用于基础设施建设、技术迭代及团队扩张。此外,公司同时宣布成立新品牌—Collection O。该品牌主打千禧一代消费群体,截至目前已有12家酒店,预计今年可扩张至650家酒店。此外,OYO 整体业务计划在今年扩张到260座城市。

YouTube Music 正式在印度推出

Gadgets360 讯,YouTube Music(有广告)、YouTube Music Premium(无广告)和 YouTube Premium(无广告)目前在印度正式推出。YouTube 的这几项新服务均在去年6月份于17个国家和地区率先推出。但是八个月之后,才登陆印度市场。

据 YouTube 称,YouTube Music 可以通过独立的移动应用访问,也可以通过专为流媒体音乐设计的基于网络的桌面界面访问。该服务提供原创歌曲、专辑、数千个播放列表和艺人广播,以及 YouTube自己的混音、直播、音乐视频等等。

Flipkart CEO 投资印度电商初创公司 Moglix

Yourstory 讯,印度B2B电商初创公司 Moglix 获 Flipkart CEO Kalyan Krishnamurthy 投资,具体金额尚未透露。Moglix 成立于2015年,旗下的一站式线上商城 Moglix.com 提供各式工业工具。2018年12月,Moglix 完成了2300万美元 C 轮融资,以加强其在印度各地的 B2B 分销网络和供应链,并向新的细分市场扩张。Kalyan 此前在老虎全球担任董事总经理,投资过房屋租赁公司 Nestaway 和健身连锁企业 Cure.fit。据 Moglix 称,这是 Kalyan 在B2B电商领域的第一笔投资。

经纬印度投资食品饮料公司&Me

Your story 讯,班加罗尔食品和饮料公司 &Me 完成了新一轮融资,老股东经纬印度和专注消费领域的VC Sauce.vc 参与了本轮投资,新资金将主要用于团队和区域扩张。

&Me 母公司 Merhaki Foods and Nutrition 创立于2017年,公司结合印度传统医学和现代科技生产饮料,为女性解决美容、脂质代谢等相关的问题。经纬印度近期完成了其第三期基金的募集,融资额超过3亿美元。经纬印度计划继续投资不同行业处于种子轮、早期、A/B 轮的公司。

美国客户关系管理平台 Yalochat 获800万美元投资,进入印度

Yourstory 讯,基于AI 技术的客户关系管理(CRM)平台 Yalochat 在首轮融资中获得800万美元,进入印度市场。本轮融资由硅谷私人风险投资公司 Sierra Ventures 领投,新资金将用于 Yalochat 在印度的运营和团队扩张。

Yalochat 的平台基于AI 技术,企业可以通过 WhatsApp 等聊天软件,在该平台对客户进行端对端关系管理,公司总部位于旧金山,目前在孟买设有办公室。

东亚

软银在亚洲成立新基金,重点关注早期创业公司

软银风险投资部门将在亚洲推出规模最大的早期投资基金,并开设新的办事处,重点关注早期初创企业。团队目前在首尔、北京、旧金山和特拉维夫市均有分布。软银亚洲投资公司 CEO JP Lee 表示,这支全球基金的规模为5亿美元,或于下月推出。研究机构 Preqin 数据显示,该基金同比去年规模增长1亿美元。

软银计划第三次投资滴滴,金额为16亿美元

软银 CEO 孙正义在接受 CNBC 采访时透露,将对滴滴出行进行第三次投资,金额为16亿美元。此前, 滴滴曾在2017年陆续获得软银共80亿美元的投资。2017年9月,阿里巴巴向软银出售了滴滴出行5%的股权,套现6.39亿美元。目前,软银持有滴滴约20%的股份。

软银在出行领域操盘已久,目前,软银已陆续投资全球多家出行公司,除滴滴外,还包括美国的Uber、印度的 Ola、巴西公司99等。上周, Grab 也宣布获得软银愿景基金的14.6亿美元投资。

中东

中东北非最大 VC STV 投资沙特外卖公司 Mrsool

Menabytes 讯,沙特外卖公司 Mrsool 完成数百万美元的 A 轮融资。投资人为中东北非地区最大的 VC  Saudi Technology Ventures (STV) 和 Raed Ventures。沙特天使投资人 Mazen Al Jubeir 也参与了本轮融资,新资金主要用于公司进行区域扩张。

Mrsool 创立于2015年,公司利用众包模式匹配买家和配送员,配送员帮助买家完成购买并完成配送。去年,Mrsool 处理订单的交易额超过2.67亿美元。 

其他

2019年2月成功出海的中国手游收入TOP30:紫龙游戏《梦幻模拟战》回归,FunPlus《Z Day》入围

Sensor Tower 商店情报平台最新数据显示,2019年2月期间中国手游产品在海外市场收入排名TOP30。本月中国手游出海营收整体出现回调,表现在榜单多数产品月流水较上个月都有不同程度的下滑,而流水保持稳定意味着排名上升。详细榜单变化如下。

 

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

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出海日报由36氪国际站 KrASIA 出品。

别错过

1.“36氪出海”微信公众号现已问世!扫描下方二维码,或者微信搜索“36氪出海”(ID: wow36krchuhai),关注起来吧!将为大家集中地提供出海的好内容。多谢关注,请多多推荐!

2.“出海频道”也在36氪app上开出来了!这里有数百篇出海主题的好文章,有一大批是在微信上没有的喔!来,跟着小动画,三步置顶出海频道,一键直达关键动态。



 


          Investing app Stash just rolled out a new debit-card rewards program that gives customers a stake in the companies they shop at      Cache   Translate Page      

Brandon Krieg Stash Headshot

  • Stash, a micro-investing app, is rolling out a "Stock-Back" program that rewards its debit-card holders with fractional shares of stock in companies they've shopped at.
  • "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder," Brandon Krieg, cofounder and CEO of Stash, told Business Insider. 

Shoppers in the US are used to receiving rewards like cash, points, or extra miles on their credit card purchases. But what about a card that gives you shares in your favorite brands? 

Stash, best known as a micro-investing app, is offering a new spin on a customers reward program. The company announced earlier this week a first-of-its-kind debit-card rewards program awarding customers fractional shares of stock in companies they've shopped at. 

The program, named "Stock-Back," aims to turn American consumers into shareholders and save them from a mounting pile of credit card debt, according to Brandon Krieg, cofounder and CEO of Stash.

"We hope to help our clients live better financial lives, increase their financial health, and at the same time, become shareholders everywhere they spent money," Krieg said. "It really helps promote better financial behavior and get people away from going further and further into debt through their credit cards.

See more: SoFi held talks to acquire a fintech company backing some of the hottest robo advisors as it eyes expansion beyond its lending roots

Founded in 2015, Stash aims to change how people engage with financial services and empower those who lack knowledge of investments and wealth management. It has lowered investing hurdles for the non-rich by enabling investors to open an investment account with as little as $5.  Last year, the company expanded into banking through its partnership with Green Dot Corporation and it now offers an FDIC-insured bank account.

The new "Stock-Back" offering is an add-on to those existing features and part of an effort to integrate investing with banking, Krieg said. 

So how does it work?

First, you need to own both a debit account and a brokerage account with Stash. Then when you make a purchase using the Stash debit card, the company will put a certain percentage of the dollar amount that you spend into your brokerage account and use the money to buy the fractional stock of the vendors you just shopped at, or its parent company.

See more: Main Street banks say fintechs like Monzo, N26 and Chime pose the biggest disruptive threat to their businesses — and they're fighting back

If Stash can't match the stock on its platform, say if the vendor is a local retail outlet that is not publicly listed or its stock is not currently offered by Stash, you will get a fractional share of the Vanguard Total World Stock ETF. Stash said it offers over 200 stocks - of which many are consumer-facing brands, including Amazon, Alibaba, Chipotle, McDonald's, and more - on its platform.

Right now, the "Stock-Back" program offers a 12.5 basis points reward on each purchase, but transactions at certain merchants allow higher rates. If you buy a subscription to Netflix and Spotify, the earning rate is 5%, while a purchase of a coffee at Starbucks or Dunkin earns 2%, according to Krieg.

That means that if you spend about $144 dollars a year on your Netflix subscription, you'll get about $7.20 dollars of Netflix’s stock. Cardholders cannot forgo the investment in a single stock unless they opt out the entire reward program.

As Krieg put it, "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder."

See also: A fintech firm backing hot robo advisors like Betterment and Stash is planning to launch crypto custody services within the next few months

While a 0.125% reward appears to be teeny-tiny, the fact that cardholders will gain shares makes it better than rewards based on points in many respects, Krieg said.

“Points go down in value, points deflate, and points expire," he said. "Stock of good quality companies over time historically goes up, and that’s the most powerful context. And remember one other thing: As you build positions in stocks on Stash, you get dividends on your holdings. That’s the gift that keeps giving you dividends."

The upstart just racked in $65 million in its Series E funding round closed in February. The investment was led by an undisclosed private institutional investor, with participation from new and existing investors. The company refused to disclose its valuation. It raised at $350 million as of its last round led by Union Square Ventures last February, according to PitchBook.

Join the conversation about this story »

NOW WATCH: Here's why McDonald's Filet-O-Fish sales skyrocket in March


          ON:chain Announces SEC Commissioner, Hester Peirce, as Keynote Speaker for its Inaugural Conference on the Intersection of Blockchain and Financial Innovation      Cache   Translate Page      
By ON:chain19 NEWPORT BEACH, CA / ACCESSWIRE / March 13, 2019 / ON:chain19, the new thought-leadership conference exploring the intersection of blockchain and finance, today announced that one of its keynote speakers for its inaugural May 23, 2019 event will be SEC Commissioner Hester Peirce. “Commissioner Peirce has repeatedly demonstrated a keen insight into FinTech […]
          REVENUE.SYSTEMS      Cache   Translate Page      
Auction Type: Offer with BuyNow, Auction End Time: 06/10/2019 01:38 AM (PDT), Price: $500, Number of Bids: 0, Domain Age: 0, Description: revenue.systems domain name. Ideal for any process-based business or fintech. , Traffic: 0, Valuation: $0, IsAdult: false
          Fast Growth For This Fintech ETF      Cache   Translate Page      

As has been widely reported during the evolution of the exchange trade funds industry, some new ETFs burst out of the gates, displaying impressive asset-gathering acumen while other rookie ETFs scuffle for awhile.

read more


          BTIG Likes MercadoLibre's Prospects In Brazil      Cache   Translate Page      

The fintech industry is booming in Latin America, and one analyst sees a winner in Mercadolibre Inc (NASDAQ: MELI).

Latest Ratings for MELI

DateFirmActionFromTo
Mar 2019SusquehannaDowngradesNeutralNegative
Feb 2019Credit SuisseMaintainsOutperformOutperform
Feb 2019Bank of AmericaMaintainsBuyBuy

View More Analyst Ratings for MELI
View the Latest Analyst Ratings

read more


          Egypt, Morocco implement important fintech initiatives for modernisation of payment systems: IMF      Cache   Translate Page      

IMF conducted survey on countries’ views on BFA’s priorities

The post Egypt, Morocco implement important fintech initiatives for modernisation of payment systems: IMF appeared first on Daily News Egypt.


          Fintech: What’s Real, and What’s Hype – Knowledge@Wharton      Cache   Translate Page      

Three years ago, the editors at a top academic journal in finance…

The post Fintech: What’s Real, and What’s Hype – Knowledge@Wharton appeared first on WCRCLEADERS.


          „Revolut“ valdyboje – du nauji direktoriai        Cache   Translate Page      
Jungtinės Karalystės finansinių technologijų („fintech“) startuolio „Revolut“, Lietuvoje kuriančio specializuotą banką, valdybą papildė du nauji  direktoriai – Bruce'as Wallace'as  bei Caroline Britton.
          HUDUMA YA VISA KWENYE SIMU YA MKONONI YAZINDULIWA JIJINI DAR ES SALAAM      Cache   Translate Page      
Mkurugenzi Mkuu wa VISA Afrika Mashariki Kevin Langley akizungumza katika uzinduzi wa huduma ya Visa kwenye simu za mkononi iliyofanyika jijini Dar es Salaam. Picha zote na Cathbert Kajuna - Kajunason/MMG.
Wageni waalikwa waliohudhuria katika uzinduzi wa huduma ya Visa kwenye simu za mkononi iliyofanyika jijini Dar es Salaam.
Rais wa Kampuni ya VISA kwa Sab-Sahara Afrika Aida Diara akizungumza katika katika uzinduzi wa huduma ya Visa kwenye simu za mkononi iliyofanyika jijini Dar es Salaam ambapo amesema lengo la kuzinduwa huduma hiyo ni kuhamasisha uboreshaji huduma na kupunguza makato kwa wateja, wafanyabiashara na sekta ya huduma ya fedha kwa ujumla.

Mkurugenzi Mwandamizi wa Mauzo ya Biashara Kennedy Luhombo akitoa ufafanuzi juu ya huduma ya VISA inavyofanya kazi katika simu za mkononi katika uzinduzi uliofanyika jijini Dar es Salaam.
Wageni waalikwa wakifuatilia kwa makini.

*BoT yasema Tanzania imepiga hatua kuongeza malipo ya kieletroniki

Na Said Mwishehe, Globu ya jamii.

VISA na benki 15 nchini Tanzania wamezindua huduma ya kwanza ya malipo ya simu bure ambapo sasa wateja wanaofanya miamala watakuwa na uwezo wa kutuma au kupokea fedha ndani na nje ya nchi bila makato yoyote.

Akizungumza leo Machi 12, 2019 jijini Dar es Salaam, Naibu Gavana wa Benki Kuu ya Tanzania (BoT) Dk. Bernad Kibese amesema uzinduzi huo wa VISA kwenye simu ya mkononi ni hatua nzuri na Tanzania imepiga hatua kubwa katika kuongeza malipo ya kieletroniki na kukuza ushirikishwaji wa fedha.

"Uzinduzi wa Visa kwa njia ya simu ya mkononi unaonesha hatua muhimu katika kuongeza kasi ya uhamaji kutoka fedha taslimu kwenda mfumo wa uchumi wa kidigitali Tanzania ambao ni mzuri kwa jamii zetu,"amesema Dk. Kibese.

Kwa upande wake Rais wa Kampuni ya VISA kwa Sab-Sahara Afrika Aida Diara amesema lengo la kuzinduliwa kwa huduma hiyo ni kuhamasisha uboreshaji huduma na kupunguza makato kwa wateja, wafanyabiashara na sekta ya huduma ya fedha kwa ujumla.

Amesema ili kutumia huduma hiyo , Diara amesema mteja wa benki anatakiwa kupakua programu ya simu ya benki husika, kisha atatafuta Visa kwenye programu na lipia bidhaa na huduma ama kwa kupiga picha alama ya QR au kwa kutumia USSD (Unstructed Supplimentary Service Data)katika sehemu ya biashara ulipo.Huduma hiyo ni ya Visa na inapatikana bure na salama.

"Matumizi ya malipo ya kieletroniki yanaongeza usalama na urahisi barani Afrika huku ikipunguza gharama na kuongeza uwazi katika shughuli za kifedha.Sehemu kubwa ya uchumi wa Afrika na usio rasmi, malipo hufanyika kwa kubadilishana fedha taslimu kwa zaidi ya asilimia 90.

"Inatia moyo kuona Watanzania tayari wanafuata na kukubali teknolojia ya simu ikiwa na usajili wa watu zaidi ya milioni 41 na zaidi ya asilimia 80 ya waliosajiliwa hutumia mtandao kwa kutumia simu za mkononi.Ni ukweli unaofahamika kuwa zaidi ya Watanzania milioni 20 wana usajili au akaunti za fedha kwenye simu.Hizi zote ni ishara za matumaini kwa VISA,"amesema.

Diara amesisitiza lengo la uzinduzi wa Visa kwa njia ya simu nchini Tanzania, lina msingi imara na kwamba wafanyabiashara watafurahia na kuthamini utamaduni huo mpya kabisa wa malipo ya fedha taslimu wa kulipa au kulipwa.

Ameongeza kuwa uhamaji wa kutoa fedha taslimu kwenda kidigitali unapanua wigo wa juu na chini wa thamani .Kwa mteja huduma za fedha za simu zinaleta usalama,urahisi, mazingira mazuri ya malipo kuliko fedha taslimu na inaokoa muda na gharama za safari.

Kuhusu malengo yao kwa upande wa Kusini mwa Jangwa la Sahara, Diara amesema wameendelea kukuza mipango yao, biashara na teknolojia katika ukanda huo kwa kufungua mtandao wao kuunga mkono mahitaji ya taasisi za fedha, wauzaji , waendelezaji na washirika wa FinTech ili kujenga mazingira jumuishi ya kimazingira.

Wakati huo huo Mkurugenzi Mkuu wa VISA Afrika Mashariki Kevin Langley amesema kulingana na jarida la TanzaniaInvest , eneo la biashara ya simu nchini Tanzania inashuhudia ukuaji wa haraka unaofikia zaidi ya Dola za Marekani bilioni 1.6 zilizofanyika kila mwezi mwaka 2018.

Amezitaja baadhi ya benki ambazo zimeshirikiana na VISA kutoa huduma hiyo ni CRDB, NMB, NBC, benki ya Azania, TIB , benki ya Posta, DCB, benki ya Mkombozi, Mufindi Community Bank Limited, Benki ya Watu wa Zanzibar , Benki ya Uchumi,Benki ya Mwalimu,Benki ya Maendeleo na Yetu Microfinance Bank.

          Trends emerging in behavioral analytics: CEO      Cache   Translate Page      
Innovate Finance CEO, Lawrence Wintermeyer says capital markets and investment banking world have now really grasped that there are a lot of opportunities with FinTech technologies.
          Investing app Stash just rolled out a new debit-card rewards program that gives customers a stake in the companies they shop at      Cache   Translate Page      

Brandon Krieg Stash Headshot

  • Stash, a micro-investing app, is rolling out a "Stock-Back" program that rewards its debit-card holders with fractional shares of stock in companies they've shopped at.
  • "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder," Brandon Krieg, cofounder and CEO of Stash, told Business Insider. 

Shoppers in the US are used to receiving rewards like cash, points, or extra miles on their credit card purchases. But what about a card that gives you shares in your favorite brands? 

Stash, best known as a micro-investing app, is offering a new spin on a customers reward program. The company announced earlier this week a first-of-its-kind debit-card rewards program awarding customers fractional shares of stock in companies they've shopped at. 

The program, named "Stock-Back," aims to turn American consumers into shareholders and save them from a mounting pile of credit card debt, according to Brandon Krieg, cofounder and CEO of Stash.

"We hope to help our clients live better financial lives, increase their financial health, and at the same time, become shareholders everywhere they spent money," Krieg said. "It really helps promote better financial behavior and get people away from going further and further into debt through their credit cards.

See more: SoFi held talks to acquire a fintech company backing some of the hottest robo advisors as it eyes expansion beyond its lending roots

Founded in 2015, Stash aims to change how people engage with financial services and empower those who lack knowledge of investments and wealth management. It has lowered investing hurdles for the non-rich by enabling investors to open an investment account with as little as $5.  Last year, the company expanded into banking through its partnership with Green Dot Corporation and it now offers an FDIC-insured bank account.

The new "Stock-Back" offering is an add-on to those existing features and part of an effort to integrate investing with banking, Krieg said. 

So how does it work?

First, you need to own both a debit account and a brokerage account with Stash. Then when you make a purchase using the Stash debit card, the company will put a certain percentage of the dollar amount that you spend into your brokerage account and use the money to buy the fractional stock of the vendors you just shopped at, or its parent company.

See more: Main Street banks say fintechs like Monzo, N26 and Chime pose the biggest disruptive threat to their businesses — and they're fighting back

If Stash can't match the stock on its platform, say if the vendor is a local retail outlet that is not publicly listed or its stock is not currently offered by Stash, you will get a fractional share of the Vanguard Total World Stock ETF. Stash said it offers over 200 stocks - of which many are consumer-facing brands, including Amazon, Alibaba, Chipotle, McDonald's, and more - on its platform.

Right now, the "Stock-Back" program offers a 12.5 basis points reward on each purchase, but transactions at certain merchants allow higher rates. If you buy a subscription to Netflix and Spotify, the earning rate is 5%, while a purchase of a coffee at Starbucks or Dunkin earns 2%, according to Krieg.

That means that if you spend about $144 dollars a year on your Netflix subscription, you'll get about $7.20 dollars of Netflix’s stock. Cardholders cannot forgo the investment in a single stock unless they opt out the entire reward program.

As Krieg put it, "Tonight, you go to Olive Garden to have a dinner, and when you pay your bill, you are going to become the Olive Garden shareholder."

See also: A fintech firm backing hot robo advisors like Betterment and Stash is planning to launch crypto custody services within the next few months

While a 0.125% reward appears to be teeny-tiny, the fact that cardholders will gain shares makes it better than rewards based on points in many respects, Krieg said.

“Points go down in value, points deflate, and points expire," he said. "Stock of good quality companies over time historically goes up, and that’s the most powerful context. And remember one other thing: As you build positions in stocks on Stash, you get dividends on your holdings. That’s the gift that keeps giving you dividends."

The upstart just racked in $65 million in its Series E funding round closed in February. The investment was led by an undisclosed private institutional investor, with participation from new and existing investors. The company refused to disclose its valuation. It raised at $350 million as of its last round led by Union Square Ventures last February, according to PitchBook.

Join the conversation about this story »

NOW WATCH: Scientists completed one of the most detailed explorations inside the Great Blue Hole. Here's what they found at the bottom of the giant, mysterious sinkhole.


          Back End Team Lead - TAL Group - Toronto, ON      Cache   Translate Page      
Our client, a part of a well-established fintech company, is looking for Lead Back-End Developer to join their growing agile team in Toronto. They are looking...
From Tal Group - Fri, 08 Mar 2019 00:28:32 GMT - View all Toronto, ON jobs
          Growing Evidence for Institutional Interest in Crypto and Hope for Positive Change      Cache   Translate Page      

CoinSpeaker
Growing Evidence for Institutional Interest in Crypto and Hope for Positive Change

Konstantin Rabin, fintech expert and crypto enthusiast, unveils what hides behind the trend of growing interest in crypto by private and public institutions, explaining what perspectives this could bring to the whole industry.

Growing Evidence for Institutional Interest in Crypto and Hope for Positive Change


          Blog Post: EU Fintech Regulation Raises US Copyright Questions      Cache   Translate Page      
...read more
          Delta Capita and JJCFinTech form KYC and AML JV      Cache   Translate Page      
Delta Capita, the international business & technology consulting and managed services firm, has anno...
          ETFLogic launches ETF FinTech platform      Cache   Translate Page      
ETFLogic, the leading New York City-based ETF analytics and data technology company, today announced...
          Navy Federal goes live on Broadridge MBS platform      Cache   Translate Page      
Broadridge Financial Solutions, Inc. (NYSE:BR), a global Fintech leader and part of the S&P 500® Ind...
          Senior Back-end (or Full Stack) Developer (m/f/d) // wevest Digital AG      Cache   Translate Page      

We are searching for you! wevest Digital AG is a Berlin based fintech company builder. Our vision is to substantially improve the way people invest their money. To reach this goal we are searching for you. Become a part of our vision and change financial investing with us. Whether you work on our existing platform,...

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


          DevOps Engineer (m/w/d) – Berlin // Spotcap Global Services GmbH      Cache   Translate Page      

DevOps Engineer (m/w/d) – Berlin Berlin, Germany Full-time Company Description Spotcap is a leading global fintech company operating in the trillion dollar online lending space. We have enjoyed strong growth and remarkable success in a relatively short time and are driven by the mission to empower small and medium-sized businesses with tailored finance, allowing them...

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


          Satgas hentikan 168 entitas fintech dan 47 entitas investasi ilegal      Cache   Translate Page      
Jakarta (ANTARA) – Satgas Waspada Investasi menghentikan kegiatan 168 entitas yang diduga melakukan kegiatan usaha peer to peer lending namun tidak terdaftar atau memiliki izin usaha dari otoritas jasa keuangan (OJK). Satgas juga menghentikan 47 entitas investasi ilegal yang berpotensi merugikan masyarakat. “Berdasarkan pemeriksaan pada website dan aplikasi pada Google Playstore, Satgas Waspada Investasi kembali […]
          FinTech Senior Associate - DBA / DA / Unix Admin for AML Innovation Lab - Grant Thornton - New York, NY      Cache   Translate Page      
Unix/Linux – Knowledge of and ability to administer and troubleshoot issues in Unix and Linux (Ubuntu, Red Hat)....
From Grant Thornton - Mon, 15 Oct 2018 22:18:31 GMT - View all New York, NY jobs
          Naspers is said to eye fintech deals in R14-billion India push      Cache   Translate Page      
Naspers wants to spend about $1-billion in India this year as it scours the globe for investments that can replicate its blockbuster bet on China’s Tencent, a person familiar with the matter said.

          FSB Flags Financial Stability Concerns over “BigTech” and Third-party Service Providers      Cache   Translate Page      
The FSB recently published a report assessing fintech market developments and their potential implications for global financial stability. The report focuses on the impact of new entrants into the financial services space, including bigtech firms...
By: Weiner Brodsky Kider PC
          New Regulatory Instruments for the Fintech Industry      Cache   Translate Page      
Following the enactment of the Law to Regulate Financial Technology Institutions (Ley para Regular las Instituiciones de Tecnología Financiera) (the “Fintech Law”) a year ago, its implementing regulations in October 2018, and a number of enabling...
By: Dentons
          Let’s Get Together: Collaboration Benefits both FinTechs and Traditional Financial Firms      Cache   Translate Page      
The following article is based on findings from “Financial Services at the Crossroads of Digital Transformation,” our collaborative report with Forbes Insights. Today’s consumer-centric culture demands fast and convenient access to accounts,...
By: K&L Gates LLP
          Comment on How This Fintech Has Adapted to the Entrepreneur Journey by How This Fintech Has Adapted to the Entrepreneur Journey – Tech Check News      Cache   Translate Page      
[…] Article Source: How This Fintech Has Adapted to the Entrepreneur Journey […]
          EU Fintech Regulation Raises US Copyright Questions      Cache   Translate Page      
...read more(read more)
          3/13/2019: SBJ: MasterCard to acquire Ethoca fintech      Cache   Translate Page      
MasterCard says it will acquire Toronto-based fintech Ethoca, which helps merchants and card issuers collaborate to identify and resolve fraud in digital commerce. Through Ethoca’s technology, when a fraudulent transaction is identified, information...


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