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          Lead DevOps Engineer (part remote working)      Comment   Translate Page      
InterAct Consulting - East London - A Lead DevOps Engineer sought after by Shoreditch based FinTech company where remote working and flexibility is encouraged throughout. Does complexity of both data and visualisat...
          Forum Banca 2019, confermato il Fintech Smart Village      Comment   Translate Page      
IKN ha presentato Forum Banca 2019, evento giunto alla sua dodicesima edizione, e in grado di ospitare per il terzo anno consecutivo il Fintech Smart Village, ovvero un’area che viene completamente dedicata alla presentazione e alla condivisione dei progetti sulle nuove startup Fintech. Peraltro, come confermato dalla stessa IKN, il Forum Banca 2019 si concentrerà sul modo in cui i modelli di Fintech stanno modificando il modo in cui funzionano gli elementi base di tutto il settore bancario, come i finanziamenti, i pagamenti, le assicurazioni. Nuovi modelli, improntati all’innovazione, che hanno spinto le banche e le istituzioni finanziarie tradizionali a collaborare con le società Fintech o a sviluppare e a implementare le proprie soluzioni, nella consapevolezza che non si può rimanere indietro lungo la strada della trasformazione digitale. Tra le applicazioni di maggiore rilievo in questo campo, si può certamente compiere un breve cenno sull’intelligenza artificiale, sul cloud computing, sulla privacy e sulla sicurezza, sulle tecnologie mobili avanzate. Tra gli speaker del Fintech Smart Village, viene per il momento confermata la presenza di Ghela Boskovich, fondatrice di FemTechGlobal: una presenza molto importante, considerato anche che FemTechGlobal sponsorizza “Women In Tech” e il Banking Technology Award.
          Sanderson Recruitment: Business Analyst      Comment   Translate Page      
£45000 - £50000 per annum + Excellent benefits: Sanderson Recruitment: Are you an experienced Business Analyst with a background working within Agile environments? Would you like the opportunity to work with a leading Fintech company? If the answer is yes then I am keen to have a conversation with you about a Business Analys Edinburgh
          Visual Designer (Marketing/Growth) (f/m/x) // Kontist      Comment   Translate Page      

Do you want to be part of an inspiring team at a prolific fintech that sets new standards for servicing freelancers and the self-employed? Kontist is looking for a Visual Designer (Marketing/ Growth) to join us on our mission to reduce the burdensome financial work connected with freelancing and give freelancers peace of mind. We...

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


          Riskalyze Fintech Report Card: March 2019      Comment   Translate Page      
Riskalyze CEO Aaron Klein gives the thumbs-up or thumbs-down on the biggest news to hit advisor technology in the previous month.
          El aumento exponencial en las búsquedas de perfiles de Compliance      Comment   Translate Page      

Recursos Humanos. RRHH.

En los últimos años se ha desarrollado notablemente la función de Compliance en lo que hasta entonces eran perfiles vinculados a Auditoría Interna y Gerencia de Riesgos. La especialización ha sido desde entonces “contextual”, llegándose incluso a sub-especializar en perfiles de Compliance con experiencia en sectores específicos, como el farmacéutico o el financiero, dadas las necesidades locales de clientes globales y por la gran presión regulatoria en ámbitos financieros respectivamente. Sin lugar a dudas, las modificaciones en torno al nuevo Código Penal (regulación de 2005 y 2015 relativa a la “Responsabilidad Penal de las Personas Jurídicas”, la Circular 1/2016 y los diferentes pronunciamientos de la Fiscalía General del Estado), la nueva “Ley de Sociedades de Capital” y la recientemente transpuesta GDPR de mayo de 2018 relativa a la Protección de Datos, unido a la violación de códigos internos -en compañías sometidas a regulación-, han potenciado la importancia y la necesidad crítica de incorporar e “internalizar” perfiles de Compliance. La tendencia en la búsqueda de talento en el ámbito del Compliance ha estado liderada tanto por los Despachos y Boutiques legales, que demandan perfiles especializados en Derecho Procesal Penal–Económico, como por las “Big Four”, que demandan perfiles especializados en cumplimiento y “adaptación” normativa a la cambiante regulación financiera, y de Protección de Datos. Además, se han sumado a estas búsquedas las grandes multinacionales (internacionales o nacionales pertenecientes al IBEX). Por su parte, entre los sectores que mayor repunte han experimentado se encuentran el farmacéutico, el financiero, incluyendo entidades FinTech, dedicadas a los servicios o medios de pago, y el industrial. Los perfiles profesionales de Compliance suelen ser, por un lado, profesionales del ámbito jurídico-legal, con un componente formativo relevante y, por otro, profesionales del entorno de auditoría y control interno, que proceden del mundo de “monitoring” o “analytics” con una orientación […]

La entrada El aumento exponencial en las búsquedas de perfiles de Compliance se publicó primero en Foro Recursos Humanos - RRHH. Foro Recursos Humanos - RRHH - 15 años hablando con personas y empresas de Recursos Humanos


          FinTech Senior Associate - DBA / DA / Unix Admin for AML Innovation Lab - Grant Thornton - New York, NY      Comment   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
          Western Union is working with Blockchain service on the Remittances market      Comment   Translate Page      

The Philippines is one of the most important markets for cash transfers abroad. Previously, customers always had to go to a WU branch. Now, however, the US provider is cooperating with a Philippine FinTech company, which allows transfers directly into the e-wallet. The US-American provider of international cash transfers Western Union recently announced a partnership […]

Post source: Western Union is working with Blockchain service on the Remittances market

More Bitcoin News and Cryptocurrency News on TheBitcoinNews.com


          IMF FINTECH      Comment   Translate Page      
The International Monetary Fund and World Bank released the Bali Fintech Agenda on Thursday to help countries make policies for financial technology to promote inclusive growth and minimize risk...
          Software Developer - iQmetrix - Winnipeg, MB      Comment   Translate Page      
We like to think of ourselves as a small fintech division within iQmetrix. Flexibility and the ability to adapt to an evolving environment will go a long way at...
From iQmetrix - Mon, 01 Apr 2019 23:19:07 GMT - View all Winnipeg, MB jobs
          Motivator Merry Riana Jadi Brand Ambassador GIC      Comment   Translate Page      
REPUBLIKA.CO.ID, JAKARTA -- Motivator Merry Riana, brand ambassador Global Investa Capital Pte. Ltd (GIC) berharap bisa menularkan semangat investor milenials, sekaligus mendobrak presepsi lama tentang investasi khususnya investasi di...
          Fungsi Administrasi, Ini Ciri-ciri dan Tujuannya      Comment   Translate Page      

Liputan6.com, Jakarta Fungsi administrasi erat kaitannya dengan pencatatan sebuah notulen bisa menjadi bukti atau sebuah tanda. Banyak definisi mengenai administrasi. Ada beberapa fungsi administrasi secara umum yaitu sebagai perencanaan, penyusunan, kordinasi, laporan, penyusunan anggaran, penempatan dan pengarahan atau bimbingan.

Selain itu fungsi administrasi juga bisa katakan sebagai Queen of Peace. Keributan akan terus terjadi dalam sebuah perusahaan atau bisnis saat administrasi tidak berjalan semestinya. Bayangkan saja jika kamu mempunyai penyusunan surat atau tanda bukti yang tidak rapi dan acak-acakan, maka akan membuat proses pencariaan atau pendataan menjadi lebih sulit.

Sebelum mengetahui fungsi administrasi secara lebih lengkap dan jelas, kamu perlu mengertahui apa itu administrasi. Administrasi adalah sebuah bentuk usaha dan aktivitas yang berkaitan dengan pengelolaan kebijaksanaan untuk mencapai tujuan tertentu.

Jika diartikan lebih sempit lagi, administrasi adalah kegiatan yang mencangkup catat-mencatat, surat menyurat, pembukuan ringan, ketik-mengetik, agenda, dan lain sebagainya yang bersifat teknis ketatausahaan. Sedangkan menurut Arthur Grage, administrasi adalah fungsi tata penyelenggaraan terhadap komunikasi dan pelayanan warkat suatu organisasi.

Untuk lebih jelasnya berikut ini Liputan6.com sudah merangkum beberapa informasi mengenai administrasi mulai dari unsur, hingga fungsi administrasi, Minggu (14/4/2019).

Unsur Administrasi

Ilustrasi administrasi (sumber: iStock)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F373380

1. Organisasi

Organisasi adalah tempat di mana kegiatan administrasi biasa dilakukan. Dalam bisnis, orang-orang yang bekerja di dalamnya akan dihimpun menjadi sebuah wadah.

2. Manajemen

Manajemen adalah alat utama untuk pelaksanaan administrasi. Di dalamnya terdapat pengatur, penggerak, manajer, dan tenaga operasional.

3. Komunikasi

Administrasi juga memiliki unsur unruk mengatur pola antar departemen.

4. Kepegawaian

Ini berkaitan dengan penggunaan ternaga kerja. Dalam administrasi ada proses yang saling berhubungan, yaitu; penerimaan, penempatan, pendayagunaan dan pemberhentian kerja.

5. Keuangan

Ini berkaitan dengan pembiayaan kontrak kerjasama mulai dari cara memperoleh dana hingga pertanggungjawabannya.

6. Perbekalan

Administrasi ini berhubungan dengan pengadaan barang, penyimpanan, hingga pemusnahan barang. Administrasi akan mendata semua barang yang ada dalam sebuah organisasi atau perusahaan.

7. Tata usaha

Tata usaha dalam administrasi meliputi berbagai macam pencatatam, penyimpanan, hingga pengiriman.

8. Publik relasi

Administrasi kemudian akan mengatur bagaimana sebuah organisasi atau perusahaan itu berhubungan dengan masyarakat hingga konsumen.

Fungsi Administrasi

Ilustrasi administrasi (sumber: iStock)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F373380

1. Perencanaan (planning)

Perencanaan merupakan kegiatan untuk mengumpulkan data awal, pengolahan data, hingga menyusun rencana, untuk membuat sebuah pekerjaan, atau proyek tertentu.

2. Penyusunan (organizing)

Fungsi administrasi berikutnya adalah menyusun dan membangun komunikasi kerja antara anggota-anggota dalam organisasi sehingga akan tercapai suatu kesatuan usaha untuk mencapai tujuan suatu organisasi atau perusahaan.

3. Pengadaan tenaga kerja (staffing)

Staffing merupakan fungsi administrasi untuk menemukan, menilai, mengevaluasi dan menetapkan hubungan kerja dengan karyawan atau tenaga kerja dan memberhentikannya jika tidak lagi dibutuhkan.

4. Pemberian bimbingan (directing)

Fungsi administrasi berikutnya adalah pemberian bimbingan, memberikan saran-saran, masukan untuk perbaikan suatu kegiatan yang sedang dilakukan agar tugas dapat dilaksanakan dengan maksimal dan mendapatkan hasil yang memuaskan.

5. Pengkoordinasian (coordinating)

Fungsi administrasi adalah untuk mengkoordinasi seluruh kepentingan dan tujuan dari organisasi atau perusahaan yang dilaksanakan agar bisa bersatu dan dapat sejalan dengan tempat dan waktu yang sama.

6. Pelaporan (reporting)

Fungsi administrasi sebagai pelaoran adalah memberikan informasi mengenai apa yang telah dilakukan dalam sebuah kegiatan sebagai salah satu bentuk pertanggungjawaban.

7. Penganggaran (budgeting)

Budgeting adalah suatu kegaitan yang mengelola dan perencanaan yang berkelanjutan mengenai keuangan atau anggaran.

Ciri-ciri dan Tujuan Administrasi

Ilustrasi administrasi (sumber: iStock)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F373380

Ciri-ciri Administrasi

1. Adanya suatu kelompok atau organisasi yang terdiri dari dua atau lebih.

2. Terdapat kerja sama antar pegawai dan atasan.

3. Terdapat suatu proses atau usaha.

4. Adanya sebuah bimbingan, dalam kepemimpinan dan dalam pengawasan.

5. Dalam sebuah perusahaan, organisasi, atau instansi harus memiliki satu tujuan.

Tujuan Administrasi

1. Administrasi bertujuan untuk memonitoring kegiatan atau data yang dimiliki oleh perusahaan atau organisasi.

2. Agar pengelola usaha bisa mengevaluasi suatu kegiatan-kegiatan dalam pengorganisasian perusahaan.

3. Administrasi bertujuan untuk menyusun suatu program pengembangan usaha dan suatu kegiatan pengorganisasian.

4. Administrasi bertujuan untuk mengamankan data atau catatan atau mengamankan suatu kegiatan usaha dan organisasi perusahaan.

Itulah pengertian administrasi, hingga ciri-ciri, fungsi, dan juga tujuannya. Di dalam sebuah organisasi, perusahaan, atau instansi, administrasi adalah suatu hal yang penting. Jika tidak ada administrasi maka sebuah perusahaan, organisasi, atau instansi tidak akan berkembang dan tidak tertata.

 


          Finanzarel se alía con Varengold Bank para financiar pymes      Comment   Translate Page      
El banco alemán aportará hasta 40 millones al año para dar préstamos a empresas a través de la plataforma 'fintech'. Leer
          Meet the most powerful Goldman Sachs banker you've never heard of; Silicon Valley has made top data-science talent too expensive for many hedge funds      Comment   Translate Page      

 

Dear Readers,

It was "millennial money week" here at BI, where we got the results back from an INSIDER and Morning Consult survey that polled 4,400 young Americans on their spending habits. 

We published a number of stories based on the results. Here are some of the key findings. 

If you're new to the Wall Street Insider newsletter, you can sign up here.

Finances

1) Twenty-eight percent of millennials think they're worse off financially than they thought they'd be a decade ago.

2) A variety of economic factors have played a role in delaying some millennials' wealth-building process. The Great Recession, student-loan debt, and a higher cost of living have made it difficult for millennials to save.

College

1) Nearly half of millennials who have or have had student-loan debt think college wasn't worthwhile.

2) The divide between people who do think college was worth it and those who don't is clear: Millennials who are still paying off their student-loan debt feel worse about having gone to college than millennials who have already paid off their debt.

Retirement

1) Many Americans expect to buy a house or retire one day but aren't saving for it.

2) One-quarter of millennials who expect to retire between ages 66 and 75 have no retirement savings account.

3) Nearly half of Gen Xers have no retirement account, despite most expecting to retire between 56 and 75.

But, despite all of these money worries, our survey shows that millennials aren't curbing their spending. In fact, if given an extra $1,000 in a month, millennials and baby boomers would spend similarly. And while millennials are delaying major life events such as buying a house and having kids (due in large part to massive student loan debt), they aren't abandoning these things entirely. 

Bottom line: millennials have been accused of killing razors, mayo, golf, weddings, beer, and cereal. The rationale for this (at least according to the Fed) has been that it's because younger Americans don't have as much money to spend than previous generations. But the truth is a lot more complicated. 

Thanks for reading and have a great weekend! 
Olivia


Rich Friedman goldman sachs merchant banking

'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone — and you've probably never heard of him

The Champagne was flowing in February 2018 when the Goldman Sachs executive Rich Friedman welcomed a couple hundred guests to the Rainbow Room. The Manhattan landmark, opened in 1934, offers a menu with beef Wellington and baked Alaska and serves a $162 brunch. Overlooking Manhattan from the 65th floor of Rockefeller Center, guests danced and chatted as Stevie Wonder played piano.

On the surface, the event was a celebration of Friedman's 60th birthday. But it could have easily been a celebration of a Goldman Sachs career entering its golden years. Therecent retirement of CEO Lloyd Blankfein made Friedman the longest-tenured partner at Goldman.

Since 1991, Friedman has built the bank's private-investing activities into a sprawling collection of funds that have invested more than $180 billion in real estate and infrastructure, private equity, and credit markets that often competes with flashier investment firms like Blackstone, Carlyle, and KKR.

Though advocates put him in the pantheon of buyout greats, Friedman hasn't enjoyed the same name recognition as men with names like Schwarzman, Kravis, and Rubenstein. That's by design, according to interviews with about a dozen current and former colleagues, clients, and competitors.

READ MORE HERE >>

Tim Throsby sent an email to Barclays' CEO with the title 'irreconcilable.' He warned that a plan to gut compensation by 20% and boost profitability was unrealistic.

Tim Throsby, a former JPMorgan banker hired by Barclays to much fanfare to run its investment bank, drafted an email over the weekend of March 23 to 24. By the time he got around to sending it to CEO Jes Staley, he was already out.

The subject line of the email, according to someone who had seen it, was "irreconcilable."

The email was sent to Staley and a number of other senior leaders on March 28, a day after Throsby's shock departure from Barclays was announced, and rehashed the concerns he held over his boss' strategy. The email said Staley planned for cost reductions and job cuts — including a 20% cut to total compensation — for Barclays International, as well as a reduction in reserves held in case of credit losses, according to the person.

READ MORE HERE>>

Silicon Valley has made top data-science talent too expensive for many hedge funds, so they're getting creative to compete

On one side, there are billions of dollars from the world's biggest investors ready to be run by your algorithm. On the other, there's a chance to work at the most talked-about companies on the planet —right as they promise to turn their employees into millionaires overnight.

The battle for top tech talent between Wall Street and Silicon Valley is nothing new, but it's reaching a fever pitch in the hedge fund industry, industry participants and consultants said, as both sides eye billions of dollars up for grabs thanks to a host of buzzy tech unicorns expected to go public, like Uber, Slack, and Pinterest.

This Silicon Valley gold rush has forced hedge funds to grapple with a problem they hardly ever run into: The industry is being outbid for the top talent.

READ MORE HERE >>

YieldStreet, a fintech company offering exotic investments in things like art, but experts are warning about the risk

Wealthy individuals who want to reap the financial benefits of investing in a Monet without actually owning an $80 million painting will soon have a new option.

YieldStreet, a financial platform that offers exotic investment products like marine finance and loans to law firms to the mass affluent, is buying an company called Athena Art Finance from private equity firm Carlyle in a deal valued at $170 million. YieldStreet's 100,000 investors will be able to invest in art financing as a result of the deal.

The deal comes as more financial technology players are trying to open up access to investments previously reserved for institutional or ultra-wealthy investors, such as private equity. Earlier this week, Nasdaq and iCapital, a BlackRock-backed alternative investment company, said they're working to create a platform that will launch later this year to allow private fund investors to sell their stakes before the end of a fund's life.

READ MORE HERE >>

BlackRock-backed iCapital is teaming up with Nasdaq to create a private equity fund selling platform for wealthy investors

As wealthy individuals get into private equity and other illiquid investments in greater numbers than ever, they're increasingly looking for ways to get out, too.

Institutional investors, who long dominated strategies like venture capital, private equity real estate, and private credit, have worked with advisers to sell their fund stakes on the secondaries market. That option hasn't been available to individual investors, who may not be able to keep their capital locked up for the decade or longer that a private fund requires.

Nasdaq and iCapital, a BlackRock-backed alternative investment company, are now seeking to give investors that option by creating a platform that will launch later this year, executives told Business Insider.

READ MORE HERE >>

An inside look at Digital Asset, the blockchain company that's shifting strategies as Wall Street loses interest in the technology

A blockchain company that no longer deals solely with blockchains.

Digital Asset made a name for itself as a leader in how distributed-ledger technology would be implemented on Wall Street when it burst onto the scene in 2014. Big-name backers, large funding rounds, and a former high-profile bank executive caused it to turn heads.

Five years later the industry is still considering how best to implement distributed-ledger technology. While nearly every Wall Street firm has invested resources into investigating blockchains, real-world applications of the technology beyond pilot programs have been largely nonexistent.

READ MORE HERE >>

Wall Street move of the week:

Barclays just lost two more executives as Ravi Singh departs after only four months

In markets:

In tech news:

Other good stories from around the newsroom:

Join the conversation about this story »


          Cambridge Centre for Alternative Finance launches collaboration network in Chile      Comment   Translate Page      

UK Ambassador Jamie Bowden with speakers of the Seminar organized to mark the collaboration network launched in Chile A group of UK experts visited Santiago during March 2019 to inaugurate a fintech collaboration network with the United Nations Economic Commission for Latina America and the Caribbean (UNECLAC). This was an outcome of an intense agenda of activities carried out in Chile last October by the Cambridge Centre for Alternative Finance, (CCAF).


          Cambridge Centre for Alternative Finance launches collaboration network in Chile      Comment   Translate Page      

UK Ambassador Jamie Bowden with speakers of the Seminar organized to mark the collaboration network launched in Chile A group of UK experts visited Santiago during March 2019 to inaugurate a fintech collaboration network with the United Nations Economic Commission for Latina America and the Caribbean (UNECLAC). This was an outcome of an intense agenda of activities carried out in Chile last October by the Cambridge Centre for Alternative Finance, (CCAF).


          Data Warehouse Developer SQL Python FinTech      Comment   Translate Page      
Contract Data Team - London - Data Warehouse Developer London to £650 p/day Data Warehouse Developer (SQL Python...). Leading FinTech is seeking an experienced Data Warehouse Developer to be responsible for the...
          當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人      Comment   Translate Page      
任何事與金融掛上關係,很難不和「利益」產生聯想,接著就像孩子們玩的捲紙選路遊戲,好像不管選哪一條,最後都會走到資本家賺了一大票這個結果。然而訪談政大金融科技監理創新實驗室執行長臧正運的時候,我們卻在不起眼的叉路裡,看見通往普惠金融的小徑。

FinTech 這字眼出來好些年了,光是金融已經夠複雜,再加上科技,把實體世界的真金白銀紙鈔銅板全轉成程式語言的 0 與 1 排列組合,想像空間大很多,連帶弊端也是。臧正運回溯金融系統及其法律的脈絡,古今中外皆與政治有關,「具有高政治性、高特許性」,為了確保金融體系穩定,「那條線」常畫得不容一丁點懷疑。因此,當時空環境轉變要打開堅固金庫,創新方與管理方都會面臨許多挑戰。

金融科技監理 創造創新方與管理方的對話空間

在大家覺得民間很創新,政府很保守之際,他點出另一面:「行政主管機關也是使用者,你有沒有幫它解決痛點?」創新方與管理方若能有個對話空間,例如「金融監理沙盒」,在風險可控的環境下,讓業者完整測試創新產品、服務、商業模式,享有小部分豁免權,同時和監管者互動,共同解決在測試過程中發現的問題,對雙方都是好事。

假若把 FinTech 比喻成一部車,創新的技術力像引擎,具有動能;主管的行政機關像方向盤,決定往哪裡走;金融監理就像煞車系統,踩放得宜,對行車安全有保障,更能讓車子上山下海哪都能去。比方普惠金融就是一例。

以日常支付或小額貸款來說,要得到傳統金融業服務,通常得經過一定的資格審核,例如穩定收入、若干存款等,那麼不符條件的人怎麼辦?他舉了非洲的例子,頗值得借鏡。

非洲傳統手機 玩出世界級 FinTech 創新

2007 年,總部在英國、全球第二大的跨國電信公司 Vodafone 在肯亞與坦尚尼亞開辦 M-Pesa,用當時的傳統手機就能進行小額支付。由於非洲許多地方銀行不普遍,造成使用者交易成本極高,手機的方便性以及審核門檻改變,使得這項庶民也能享受的金融服務發展極快,並從支付延展出其他業務。因為肯亞與坦尚尼亞的成功經驗,2008 年 M-Pesa 前進阿富汗;2010 年進入南非;2011 年進入印度;2014 年進入東歐,從羅馬尼亞開始,企圖往西歐前進。

當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
▲M-Pesa崛起時所靠的是簡單的傳統手機(圖片來源:Vodafone官網

同類型也從肯亞出發、與 Mobile 有關的例子是 M-KOPA。它和 M-Pesa 合作以小額分期付款模式出租家用太陽能設備組合給使用者,為原本苦於缺電又無法一次付清整套能源設備的家庭帶來光明。M-KOPA 結合手機支付、微型貸款、社會設計的模式,從 2011 年成立至今,已造福超過 63 萬個家庭,並獲美國前總統歐巴馬、微軟創辦人比爾蓋茲盛讚是社會設計的創新典範。

有句話說「換位子就換腦袋」,不只適用於職場管理,也能套用在創新發展,立場一換,新東西自然會冒出來。要讓金融的力量進入社會設計,從傳統金融業者切入,阻力相對大,換成電信、網路等非傳統業者,由於專業領域與金融大不同,變化出來的招數也跟著不同,甚至連結深度也不一樣。前述 M-Pesa、M-KOPA 創辦人之一 Nick Hughes,正是電信商 Vodafone 掌理全球支付業務的高階主管,深諳電信業可以玩什麼遊戲、玩到什麼程度,要做出能落地的創新事業,無論技術、資金,都有相當優勢。

  • 當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
▲上:M-KOPA 共同創辦人Nick Hughes,本為「Head of Payments at Vodafone Group」;下:該公司在家用太陽能設備組合後,也推出租賃電視服務。(圖片來源:M-KOPA官網

讓競爭帶來進步

會對牽涉多領域專業的 FinTech 有興趣,臧正運表示和自身經歷頗有淵源。他大學念外交,雙主修法律;碩士念台大商研所 MBA。出社會後,做過執業律師,處理企業併購案,也擔任過金控公司的法務。2010 年到美國念書時,正巧碰上全球金融危機後新頒佈的「華爾街金融改革法案」,他笑稱「躬逢其盛」,深深了解法律、政治、經濟結合所能影響的層面,後來更因為赴澳洲從事數位金融監理的研究,自此與金融科技監理結下不解之緣。不過沒想到的是,幾年前還算前驅,近一兩年因國際金融環境變化,逐漸受到廣泛注意。

既然聊到 M-Pesa、M-KOPA 等案例,少不了碰觸支付寶、打紅包之類兩岸在 FinTech 上的發展差異。他認為金融科技監理在其中扮演重要角色,至於「先開放再收緊」還是「訂好遊戲規則再開始」的順序,要參酌社會及經濟發展狀態,無所謂好或不好、對或不對。放大眼界來看,當金融科技監理促成創新方與行政主觀機關對話、非金融業激盪傳統金融業,他指出,「讓競爭帶來進步」,最終受惠的還是民眾。

 

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          4/14/2019: Sunday Business: N26 rules out Dublin base for now      Comment   Translate Page      
LEADING digital challenger bank N26 will not follow fintech rival Revolut in establishing a base in Ireland, the company has said. The German digital bank already offers current accounts to customers in Ireland, but it is not planning to base staff...
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Datafin - Western Cape - ENVIRONMENT: A UK-based FinTech company with offices in the CBD seeks a Software Engineer... to join its team. Your core role will involve extending and maintenance of new software systems...
          Dorong pertumbuhan, OJK komitmen jalankan pembiayaan berkelanjutan      Comment   Translate Page      
Otoritas Jasa Keuangan (OJK) berkomitmen untuk menjalankan program pengembangan pembiayaan berkelanjutan untuk mendorong kinerja pertumbuhan ekonomi yang selaras dengan upaya kelestarian lingkungan dan sosial ...
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"Rata-rata dana yang dikelola Rp 1.000.000.000,00 (Rp 1 miliar) per bulan dari fintech yang dijalankan," kata Co Founder & CEO TaniJoy Muhammad Nanda Putra
          Senior Manager, Digital Strategy Asia, Global Advisory Solutions      Comment   Translate Page      
Overview About Accion: Since 1961, Accion, a global nonprofit, has been committed to creating a financially inclusive world, with a pioneering legacy in microfinance and fintech impact investing. We catalyze financial service providers (FSPs) to deliver high-quality, affordable solutions at scale for the three billion people who are underserved by the financial sector. .
          OJK Komitmen Jalankan Pembiayaan Berkelanjutan      Comment   Translate Page      

Liputan6.com, Jakarta - Otoritas Jasa Keuangan (OJK) berkomitmen untuk menjalankan program pengembangan pembiayaan berkelanjutan untuk mendorong kinerja pertumbuhan ekonomi yang selaras dengan upaya kelestarian lingkungan dan sosial masyarakat.

"OJK akan melakukan pendalaman pasar keuangan melalui penciptaan produk keuangan yang mendukung pertumbuhan ekonomi yang memperhatikan dampak sosial dan lingkungan," kata Ketua Dewan Komisioner OJK Wimboh Santoso, dalam keterangan tertulis, Minggu (14/4/2019).

Hal tersebut diungkapkan Wimboh pada Dinner Reception The 6th Sustainable Banking Network (SBN) Global Meeting pada acara Tri Hita Karana Roadmap for Blended Finance yang diselenggarakan oleh OECD dan Tri Hita Karana di Washington, Amerika Serikat.

Menurut Wimboh, bagi negara berkembang seperti Indonesia, upaya mendorong pertumbuhan ekonomi sangat penting untuk mewujudkan masyarakat yang lebih sejahtera, antara lain dengan membangun infrastruktur di berbagai daerah.

“Namun demikian, pembangunan infrastruktur yang masif ini harus memperhatikan dampak lingkungan dan sosial masyarakat agar tidak menimbukan permasalahan sosial di kemudian hari. Untuk itu, pembangunan infrastruktur suatu negara harus sejalan dengan upaya pencapaian sasaran pembangunan berkelanjutan," ujarnya.

Ia menambahkan industri jasa keuangan memiliki peran penting untuk menyediakan pembiayaan pembangunan infrastruktur melalui instrumen keuangan berbasis hijau, sehingga pembangunan infrastruktur dapat dilakukan dalam koridor ramah lingkungan dan sosial.

 

Program Sistematis

Ketua OJK Wimboh Santoso memberi sambutan saat seremonial pembangunan Kantor Pusat Otoritas Jasa Keuangan (OJK) di Jakarta, Selasa (2/4). Kantor Pusat OJK bernama Indonesia Financial Center. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F618943

Saat ini, sejumlah hal perlu dilakukan untuk mendorong berkembangnya pembiayaan berkelanjutan seperti tersedianya program yang sistematis dan masif untuk memastikan kepedulian di semua pemangku kepentingan maupun kolaborasi antara pemerintah dan sektor swasta.

Selain itu, kebutuhan ekosistem yang semakin lengkap dan komitmen dari komunitas global untuk membantu negara-negara berkembang dalam menyediakan ekosistem yang dibutuhkan.

Dalam konteks pengembangan pembiayaan berkelanjutan ini, OJK dalam tiga tahun terakhir, telah melakukan berbagai hal seperti menyusun peta jalan, menyediakan kerangka regulasi bagi pembiayaan berkelanjutan, penerbitan obligasi maupun sukuk hijau, sosialisasi dan peningkatan kapasitas pelaku di industri keuangan.

 

Pembiayaan Campuran

Ketua Dewan Komisioner OJK Wimboh Santoso saat diskusi FMB 9 bertajuk 'Investasi Unicorn untuk Siapa?', Jakarta (26/2). Potret e-commerce dan start-up Indonesia diyakini akan menjadi saran lompatan besar untuk Indonesia. (Liputan6.com/Herman Zakharia)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F618943

Upaya ini telah didukung oleh lembaga naungan Grup Bank Dunia, International Finance Corporation (IFC), yang telah berkomitmen masuk ke pasar obligasi hijau Indonesia senilai USD 1,5 miliar pada 2019 dan Sustainable Banking Network (SBN).

Dengan dukungan besar dari Tri Hita, Indonesia telah berhasil mendapatkan dana USD 2,46 miliar sebagai komitmen untuk membiayai 31 proyek melalui skema pembiayaan campuran, dari berbagai pemangku kepentingan domestik dan global.

Dari 31 proyek tersebut, sebanyak enam proyek baru selesai pada tahun 2018, sedangkan paling tidak tujuh proyek akan direalisasikan tahun 2019.

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          Software Developer - iQmetrix - Winnipeg, MB      Comment   Translate Page      
We like to think of ourselves as a small fintech division within iQmetrix. Flexibility and the ability to adapt to an evolving environment will go a long way at...
From iQmetrix - Mon, 01 Apr 2019 23:19:07 GMT - View all Winnipeg, MB jobs
          Support Engineer - Finicity - Salt Lake City, UT      Comment   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,...
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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,...
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          Data Scientist - Finicity - Salt Lake City, UT      Comment   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,...
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          Copywriter - Finicity - Salt Lake City, UT      Comment   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,...
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          DevOps Architect - Finicity - Salt Lake City, UT      Comment   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,...
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          Corporate Counsel - Finicity - Salt Lake City, UT      Comment   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 - Wed, 10 Apr 2019 15:44:52 GMT - View all Salt Lake City, UT jobs
          DevOps Engineer - Finicity - Salt Lake City, UT      Comment   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,...
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          Director, Product Management - Finicity - Salt Lake City, UT      Comment   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,...
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          Director of Product Marketing - Finicity - Salt Lake City, UT      Comment   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,...
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          An IPO frenzy, 'irreconcilable' differences at Barclays, and Apple's $300 billion opportunity      Comment   Translate Page      

Dara Khosrowshahi

Hello!

The IPO market is picking up steam. Pinterest started its IPO roadshow on Monday, targeting a lower valuation than it achieved in its last private funding round. On Thursday, PagerDuty soared on its debut. And later that day, Uber filed for its own long-awaited listing. 

By some estimates, more than 100 tech unicorns could hit the public markets this year. We'll be keeping a close eye on the winners and losers over the coming months.

You can read all of our extensive coverage on the Uber IPO here, but here are some of the highlights. 

Elsewhere, Becky Peterson talked to one of PagerDuty's earliest investors about why he went big on the IT-management company,  and Rosalie Chan caught up with the CEO and CFO to talk about what's next.

And if in case you missed it, here's six tips from top wealth advisers about how this new wave of Silicon Valley millionaires should prepare for a sudden influx of cash

In related IPO news, electronic trading platform Tradeweb just went public at a $7.5 billion valuation. I caught up with Billy Hult, the company's president, to talk about the IPO process, electronic markets going mainstream, and what it means to be a public company.

What would you like this email to include? What have we missed? You can reach me at mturner@businessinsider.com.

—Matt

Quote of the week

"I'll say I am looking for a short-term futures guy with Python [coding abilities] and two years' experience, and once you narrow that down, there's really only like five or 10 guys out there that fit the bill." — Michael Graves, a hedge fund manager starting his own fund, on the battle for quant talent with Silicon Valley

In conversation

Finance and Investing

Tim Throsby sent an email to Barclays' CEO with the title 'irreconcilable.' He warned that a plan to gut compensation by 20% and boost profitability was unrealistic

Tim Throsby, a former JPMorgan banker hired by Barclays to much fanfare to run its investment bank, drafted an email over the weekend of March 23 to 24. By the time he got around to sending it to CEO Jes Staley, he was already out.

'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone

The Champagne was flowing in February 2018 when the Goldman Sachs executive Rich Friedman welcomed a couple hundred guests to the Rainbow Room.

A stock picker who's dominating 92% of his peers breaks down his market-beating strategy — and reveals 5 stocks he loves, even as earnings growth dries up

Jim Tierney can use a painful market crash every now and then.

Tech, Media, Telecoms

McDonald's, Nvidia and Salesforce all want a bite of the Tel Aviv tech crop. Here's what you need to know about Israel's bustling M&A scene

In late March, McDonald's announced its $300 million-plus acquisition of Dynamic Yield, an Israeli startup that uses algorithms to personalize shopping experiences to the individual.

2 senior execs at Thoma Bravo's Apttus, including the controversial head of revenue, have left without immediate replacements

The head of revenue at Apttus, an enterprise tech company that has been rocked by a series of controversies and executive turnover, has left the company without an immediate replacement, according to a memo obtained by Business Insider.

The upcoming 'battle for the home' pits Comcast against Amazon and Google — and the cable giant has one big advantage

The next "battle for the home" will revolve around home internet-of-things management, and the voice-control stalwarts Google and Amazon could face stiff competition from Comcast and Charter.

Healthcare, Retail, Transportation

Forget Amazon and Google. Apple could bring in $300 billion a year in healthcare, Morgan Stanley says

Apple has been edging its way into healthcare for years. Morgan Stanley says investors aren't taking the move seriously enough.

Creating a new drug takes a decade and costs a fortune. Investors have poured almost $1 billion into startups trying to change that

Making drugs is a notoriously slow and costly proposition.

Ikea exec reveals how opening a new kind of location will help it win in e-commerce

How does Ikea plan to adapt to the increasingly omnichannel world of retail? Well, the furniture-store chain's new planning studio in Manhattan may offer up some important clues.

Join the conversation about this story »

NOW WATCH: All the hidden meanings behind J. Cole's 'Middle Child' video explained


          Update: Unocoin Wallet (Finance)      Comment   Translate Page      

Unocoin Wallet 3.0.12


Device: iOS iPhone
Category: Finance
Price: Free, Version: 3.0.5 -> 3.0.12 (iTunes)

Description:

About Unocoin

Unocoin is India’s leading Crypto asset & Blockchain company with over a million customers. We make it easy to buy, sell, store, use & accept crypto assets securely in India.

• Raised 1.5 million USD in pre-series A funding from top investors like Blume Ventures, ah! Ventures, Mumbai Angels, Boost VC, Digital Currency Group, FundersClub, Future Perfect Ventures, Huiyin Blockchain Ventures.
• Featured among the top 20 out of 350 companies in The FinTech 20: India list.
• Unocoin is a member of NASSCOM.
• Picked amongst top 30 technology startups for Tech30 2017 by YourStory India.

Unocoin has one mission - “Bringing bitcoin to the billions”.


Highlights

- Buy/Sell bitcoin instantly
- Low transaction fees
- Consolidated wallet for bitcoin-holdings
- Live price tracker widget
- Transact (Send/Request) in bitcoin
- Accept/Request bitcoin
- Deposit/Withdraw INR
- Mobile/DTH Recharge with bitcoin
- Offers pertaining to bitcoin in India
- Latest updates/news from Unocoin
- Bitcoin SBP subscription
Hedge against the market volatility using Unocoin SBP (Systematic Buy Plan) module to automate bitcoin buying with fixed amount and frequency.

- View Merchant transactions
Enabling merchant gateway would provide complete history of merchant transactions processed on all the paired devices.

- Earn free bitcoin referring Unocoin to your friends

What is bitcoin?

• Bitcoin is often referred to as “A peer-to-peer decentralised digital currency”.
• Bitcoin was first invented in 2009 by a pseudonymous identity called ‘Satoshi Nakamoto’.
• Bitcoin is the pioneer of cryptoassets - type of digital assets in which advanced encryption techniques are used to regulate the generation of new token units and verify the transfer of funds, operating independently of a central bank.
• Bitcoin is set to solve a major problem of digital era - “trust” opening up avenues of new industries.

To learn more about Bitcoin: https://wikipedia.org/wiki/Bitcoin

Unocoin blog for latest updates

Keep updated with the latest trends, bitcoin & blockchain happenings and merchant partnerships for bitcoin payments at https://blog.unocoin.com and get involved in hot discussions in the Crypto asset space.

For important alerts, please look forward to https://news.unocoin.com

Youtube channel for help

Head on to our YouTube Channel ( https://m.youtube.com/channel/UCxTztdOn_HjYhMGiT8su6Bg) for more detailed step-by-step tutorials on availing services from https://unocoin.com along with the happening in the bitcoin space.

Support details of Unocoin

For further support please go to https://www.unocoin.com/contactus
Mail: support@unocoin.com
Toll free number: 1800-103-2646 (24x7 support)

Conditions Apply
For detailed terms & conditions, please refer: https://www.unocoin.com/termsofuse

What's New

Bug fixes.

Unocoin Wallet


          Meet the most powerful Goldman Sachs banker you've never heard of; Silicon Valley has made top data-science talent too expensive for many hedge funds      Comment   Translate Page      

 

Dear Readers,

It was "millennial money week" here at BI, where we got the results back from an INSIDER and Morning Consult survey that polled 4,400 young Americans on their spending habits. 

We published a number of stories based on the results. Here are some of the key findings. 

If you're new to the Wall Street Insider newsletter, you can sign up here.

Finances

1) Twenty-eight percent of millennials think they're worse off financially than they thought they'd be a decade ago.

2) A variety of economic factors have played a role in delaying some millennials' wealth-building process. The Great Recession, student-loan debt, and a higher cost of living have made it difficult for millennials to save.

College

1) Nearly half of millennials who have or have had student-loan debt think college wasn't worthwhile.

2) The divide between people who do think college was worth it and those who don't is clear: Millennials who are still paying off their student-loan debt feel worse about having gone to college than millennials who have already paid off their debt.

Retirement

1) Many Americans expect to buy a house or retire one day but aren't saving for it.

2) One-quarter of millennials who expect to retire between ages 66 and 75 have no retirement savings account.

3) Nearly half of Gen Xers have no retirement account, despite most expecting to retire between 56 and 75.

But, despite all of these money worries, our survey shows that millennials aren't curbing their spending. In fact, if given an extra $1,000 in a month, millennials and baby boomers would spend similarly. And while millennials are delaying major life events such as buying a house and having kids (due in large part to massive student loan debt), they aren't abandoning these things entirely. 

Bottom line: millennials have been accused of killing razors, mayo, golf, weddings, beer, and cereal. The rationale for this (at least according to the Fed) has been that it's because younger Americans don't have as much money to spend than previous generations. But the truth is a lot more complicated. 

Thanks for reading and have a great weekend! 
Olivia


Rich Friedman goldman sachs merchant banking

'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone — and you've probably never heard of him

The Champagne was flowing in February 2018 when the Goldman Sachs executive Rich Friedman welcomed a couple hundred guests to the Rainbow Room. The Manhattan landmark, opened in 1934, offers a menu with beef Wellington and baked Alaska and serves a $162 brunch. Overlooking Manhattan from the 65th floor of Rockefeller Center, guests danced and chatted as Stevie Wonder played piano.

On the surface, the event was a celebration of Friedman's 60th birthday. But it could have easily been a celebration of a Goldman Sachs career entering its golden years. Therecent retirement of CEO Lloyd Blankfein made Friedman the longest-tenured partner at Goldman.

Since 1991, Friedman has built the bank's private-investing activities into a sprawling collection of funds that have invested more than $180 billion in real estate and infrastructure, private equity, and credit markets that often competes with flashier investment firms like Blackstone, Carlyle, and KKR.

Though advocates put him in the pantheon of buyout greats, Friedman hasn't enjoyed the same name recognition as men with names like Schwarzman, Kravis, and Rubenstein. That's by design, according to interviews with about a dozen current and former colleagues, clients, and competitors.

READ MORE HERE >>

Tim Throsby sent an email to Barclays' CEO with the title 'irreconcilable.' He warned that a plan to gut compensation by 20% and boost profitability was unrealistic.

Tim Throsby, a former JPMorgan banker hired by Barclays to much fanfare to run its investment bank, drafted an email over the weekend of March 23 to 24. By the time he got around to sending it to CEO Jes Staley, he was already out.

The subject line of the email, according to someone who had seen it, was "irreconcilable."

The email was sent to Staley and a number of other senior leaders on March 28, a day after Throsby's shock departure from Barclays was announced, and rehashed the concerns he held over his boss' strategy. The email said Staley planned for cost reductions and job cuts — including a 20% cut to total compensation — for Barclays International, as well as a reduction in reserves held in case of credit losses, according to the person.

READ MORE HERE>>

Silicon Valley has made top data-science talent too expensive for many hedge funds, so they're getting creative to compete

On one side, there are billions of dollars from the world's biggest investors ready to be run by your algorithm. On the other, there's a chance to work at the most talked-about companies on the planet —right as they promise to turn their employees into millionaires overnight.

The battle for top tech talent between Wall Street and Silicon Valley is nothing new, but it's reaching a fever pitch in the hedge fund industry, industry participants and consultants said, as both sides eye billions of dollars up for grabs thanks to a host of buzzy tech unicorns expected to go public, like Uber, Slack, and Pinterest.

This Silicon Valley gold rush has forced hedge funds to grapple with a problem they hardly ever run into: The industry is being outbid for the top talent.

READ MORE HERE >>

YieldStreet, a fintech company offering exotic investments in things like art, but experts are warning about the risk

Wealthy individuals who want to reap the financial benefits of investing in a Monet without actually owning an $80 million painting will soon have a new option.

YieldStreet, a financial platform that offers exotic investment products like marine finance and loans to law firms to the mass affluent, is buying an company called Athena Art Finance from private equity firm Carlyle in a deal valued at $170 million. YieldStreet's 100,000 investors will be able to invest in art financing as a result of the deal.

The deal comes as more financial technology players are trying to open up access to investments previously reserved for institutional or ultra-wealthy investors, such as private equity. Earlier this week, Nasdaq and iCapital, a BlackRock-backed alternative investment company, said they're working to create a platform that will launch later this year to allow private fund investors to sell their stakes before the end of a fund's life.

READ MORE HERE >>

BlackRock-backed iCapital is teaming up with Nasdaq to create a private equity fund selling platform for wealthy investors

As wealthy individuals get into private equity and other illiquid investments in greater numbers than ever, they're increasingly looking for ways to get out, too.

Institutional investors, who long dominated strategies like venture capital, private equity real estate, and private credit, have worked with advisers to sell their fund stakes on the secondaries market. That option hasn't been available to individual investors, who may not be able to keep their capital locked up for the decade or longer that a private fund requires.

Nasdaq and iCapital, a BlackRock-backed alternative investment company, are now seeking to give investors that option by creating a platform that will launch later this year, executives told Business Insider.

READ MORE HERE >>

An inside look at Digital Asset, the blockchain company that's shifting strategies as Wall Street loses interest in the technology

A blockchain company that no longer deals solely with blockchains.

Digital Asset made a name for itself as a leader in how distributed-ledger technology would be implemented on Wall Street when it burst onto the scene in 2014. Big-name backers, large funding rounds, and a former high-profile bank executive caused it to turn heads.

Five years later the industry is still considering how best to implement distributed-ledger technology. While nearly every Wall Street firm has invested resources into investigating blockchains, real-world applications of the technology beyond pilot programs have been largely nonexistent.

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          Software Developer - iQmetrix - Winnipeg, MB      Comment   Translate Page      
We like to think of ourselves as a small fintech division within iQmetrix. Flexibility and the ability to adapt to an evolving environment will go a long way at...
From iQmetrix - Mon, 01 Apr 2019 23:19:07 GMT - View all Winnipeg, MB jobs
          Több ezer ember dolgozik azon, hogy lehallgassa a beszélgetéseidet      Comment   Translate Page      
Nem csak Alexa hallgatja, amit mondasz neki. Több ezer ember dolgozik azon, hogy lehallgassa a beszélgetéseidet | FinTechRadar.
          Több ezer ember dolgozik azon, hogy lehallgassa a beszélgetéseidet      Comment   Translate Page      

Nem csak Alexa hallgatja, amit mondasz neki.

Több ezer ember dolgozik azon, hogy lehallgassa a beszélgetéseidet | FinTechRadar.


          Head of Engineering      Comment   Translate Page      
Anson McCade - London - Head of Engineering (AWS, Java, React Native, FinTech) A new generation of Challenger... Bank, supported by one of the most recognised brands in Financial Services, requires a Head...
          Head of Engineering      Comment   Translate Page      
Anson McCade - London - Head of Engineering (AWS, Java, React Native, FinTech) A new generation of Challenger... Bank, supported by one of the most recognised brands in Financial Services, requires a Head...
          當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人      Comment   Translate Page      
任何事與金融掛上關係,很難不和「利益」產生聯想,接著就像孩子們玩的捲紙選路遊戲,好像不管選哪一條,最後都會走到資本家賺了一大票這個結果。然而訪談政大金融科技監理創新實驗室執行長臧正運的時候,我們卻在不起眼的叉路裡,看見通往普惠金融的小徑。

FinTech 這字眼出來好些年了,光是金融已經夠複雜,再加上科技,把實體世界的真金白銀紙鈔銅板全轉成程式語言的 0 與 1 排列組合,想像空間大很多,連帶弊端也是。臧正運回溯金融系統及其法律的脈絡,古今中外皆與政治有關,「具有高政治性、高特許性」,為了確保金融體系穩定,「那條線」常畫得不容一丁點懷疑。因此,當時空環境轉變要打開堅固金庫,創新方與管理方都會面臨許多挑戰。

金融科技監理 創造創新方與管理方的對話空間

在大家覺得民間很創新,政府很保守之際,他點出另一面:「行政主管機關也是使用者,你有沒有幫它解決痛點?」創新方與管理方若能有個對話空間,例如「金融監理沙盒」,在風險可控的環境下,讓業者完整測試創新產品、服務、商業模式,享有小部分豁免權,同時和監管者互動,共同解決在測試過程中發現的問題,對雙方都是好事。

假若把 FinTech 比喻成一部車,創新的技術力像引擎,具有動能;主管的行政機關像方向盤,決定往哪裡走;金融監理就像煞車系統,踩放得宜,對行車安全有保障,更能讓車子上山下海哪都能去。比方普惠金融就是一例。

以日常支付或小額貸款來說,要得到傳統金融業服務,通常得經過一定的資格審核,例如穩定收入、若干存款等,那麼不符條件的人怎麼辦?他舉了非洲的例子,頗值得借鏡。

非洲傳統手機 玩出世界級 FinTech 創新

2007 年,總部在英國、全球第二大的跨國電信公司 Vodafone 在肯亞與坦尚尼亞開辦 M-Pesa,用當時的傳統手機就能進行小額支付。由於非洲許多地方銀行不普遍,造成使用者交易成本極高,手機的方便性以及審核門檻改變,使得這項庶民也能享受的金融服務發展極快,並從支付延展出其他業務。因為肯亞與坦尚尼亞的成功經驗,2008 年 M-Pesa 前進阿富汗;2010 年進入南非;2011 年進入印度;2014 年進入東歐,從羅馬尼亞開始,企圖往西歐前進。

當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
▲M-Pesa崛起時所靠的是簡單的傳統手機(圖片來源:Vodafone官網

同類型也從肯亞出發、與 Mobile 有關的例子是 M-KOPA。它和 M-Pesa 合作以小額分期付款模式出租家用太陽能設備組合給使用者,為原本苦於缺電又無法一次付清整套能源設備的家庭帶來光明。M-KOPA 結合手機支付、微型貸款、社會設計的模式,從 2011 年成立至今,已造福超過 63 萬個家庭,並獲美國前總統歐巴馬、微軟創辦人比爾蓋茲盛讚是社會設計的創新典範。

有句話說「換位子就換腦袋」,不只適用於職場管理,也能套用在創新發展,立場一換,新東西自然會冒出來。要讓金融的力量進入社會設計,從傳統金融業者切入,阻力相對大,換成電信、網路等非傳統業者,由於專業領域與金融大不同,變化出來的招數也跟著不同,甚至連結深度也不一樣。前述 M-Pesa、M-KOPA 創辦人之一 Nick Hughes,正是電信商 Vodafone 掌理全球支付業務的高階主管,深諳電信業可以玩什麼遊戲、玩到什麼程度,要做出能落地的創新事業,無論技術、資金,都有相當優勢。

  • 當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
當金融科技監理遇上社會設計,政大金融科技監理創新實驗室執行長:重塑遊戲規則,能造福更多人
▲上:M-KOPA 共同創辦人Nick Hughes,本為「Head of Payments at Vodafone Group」;下:該公司在家用太陽能設備組合後,也推出租賃電視服務。(圖片來源:M-KOPA官網

讓競爭帶來進步

會對牽涉多領域專業的 FinTech 有興趣,臧正運表示和自身經歷頗有淵源。他大學念外交,雙主修法律;碩士念台大商研所 MBA。出社會後,做過執業律師,處理企業併購案,也擔任過金控公司的法務。2010 年到美國念書時,正巧碰上全球金融危機後新頒佈的「華爾街金融改革法案」,他笑稱「躬逢其盛」,深深了解法律、政治、經濟結合所能影響的層面,後來更因為赴澳洲從事數位金融監理的研究,自此與金融科技監理結下不解之緣。不過沒想到的是,幾年前還算前驅,近一兩年因國際金融環境變化,逐漸受到廣泛注意。

既然聊到 M-Pesa、M-KOPA 等案例,少不了碰觸支付寶、打紅包之類兩岸在 FinTech 上的發展差異。他認為金融科技監理在其中扮演重要角色,至於「先開放再收緊」還是「訂好遊戲規則再開始」的順序,要參酌社會及經濟發展狀態,無所謂好或不好、對或不對。放大眼界來看,當金融科技監理促成創新方與行政主觀機關對話、非金融業激盪傳統金融業,他指出,「讓競爭帶來進步」,最終受惠的還是民眾。

 

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          OJK Komitmen Jalankan Pembiayaan Berkelanjutan      Comment   Translate Page      

Liputan6.com, Jakarta - Otoritas Jasa Keuangan (OJK) berkomitmen untuk menjalankan program pengembangan pembiayaan berkelanjutan untuk mendorong kinerja pertumbuhan ekonomi yang selaras dengan upaya kelestarian lingkungan dan sosial masyarakat.

"OJK akan melakukan pendalaman pasar keuangan melalui penciptaan produk keuangan yang mendukung pertumbuhan ekonomi yang memperhatikan dampak sosial dan lingkungan," kata Ketua Dewan Komisioner OJK Wimboh Santoso, dalam keterangan tertulis, Minggu (14/4/2019).

Hal tersebut diungkapkan Wimboh pada Dinner Reception The 6th Sustainable Banking Network (SBN) Global Meeting pada acara Tri Hita Karana Roadmap for Blended Finance yang diselenggarakan oleh OECD dan Tri Hita Karana di Washington, Amerika Serikat.

Menurut Wimboh, bagi negara berkembang seperti Indonesia, upaya mendorong pertumbuhan ekonomi sangat penting untuk mewujudkan masyarakat yang lebih sejahtera, antara lain dengan membangun infrastruktur di berbagai daerah.

“Namun demikian, pembangunan infrastruktur yang masif ini harus memperhatikan dampak lingkungan dan sosial masyarakat agar tidak menimbukan permasalahan sosial di kemudian hari. Untuk itu, pembangunan infrastruktur suatu negara harus sejalan dengan upaya pencapaian sasaran pembangunan berkelanjutan," ujarnya.

Ia menambahkan industri jasa keuangan memiliki peran penting untuk menyediakan pembiayaan pembangunan infrastruktur melalui instrumen keuangan berbasis hijau, sehingga pembangunan infrastruktur dapat dilakukan dalam koridor ramah lingkungan dan sosial.

 

Program Sistematis

Ketua OJK Wimboh Santoso memberi sambutan saat seremonial pembangunan Kantor Pusat Otoritas Jasa Keuangan (OJK) di Jakarta, Selasa (2/4). Kantor Pusat OJK bernama Indonesia Financial Center. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F704203

Saat ini, sejumlah hal perlu dilakukan untuk mendorong berkembangnya pembiayaan berkelanjutan seperti tersedianya program yang sistematis dan masif untuk memastikan kepedulian di semua pemangku kepentingan maupun kolaborasi antara pemerintah dan sektor swasta.

Selain itu, kebutuhan ekosistem yang semakin lengkap dan komitmen dari komunitas global untuk membantu negara-negara berkembang dalam menyediakan ekosistem yang dibutuhkan.

Dalam konteks pengembangan pembiayaan berkelanjutan ini, OJK dalam tiga tahun terakhir, telah melakukan berbagai hal seperti menyusun peta jalan, menyediakan kerangka regulasi bagi pembiayaan berkelanjutan, penerbitan obligasi maupun sukuk hijau, sosialisasi dan peningkatan kapasitas pelaku di industri keuangan.

 

Pembiayaan Campuran

Ketua Dewan Komisioner OJK Wimboh Santoso saat diskusi FMB 9 bertajuk 'Investasi Unicorn untuk Siapa?', Jakarta (26/2). Potret e-commerce dan start-up Indonesia diyakini akan menjadi saran lompatan besar untuk Indonesia. (Liputan6.com/Herman Zakharia)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F704203

Upaya ini telah didukung oleh lembaga naungan Grup Bank Dunia, International Finance Corporation (IFC), yang telah berkomitmen masuk ke pasar obligasi hijau Indonesia senilai USD 1,5 miliar pada 2019 dan Sustainable Banking Network (SBN).

Dengan dukungan besar dari Tri Hita, Indonesia telah berhasil mendapatkan dana USD 2,46 miliar sebagai komitmen untuk membiayai 31 proyek melalui skema pembiayaan campuran, dari berbagai pemangku kepentingan domestik dan global.

Dari 31 proyek tersebut, sebanyak enam proyek baru selesai pada tahun 2018, sedangkan paling tidak tujuh proyek akan direalisasikan tahun 2019.

Saksikan Video Pilihan di Bawah Ini:


          Fintechs: as sociedades de crédito que têm crescido no mercado brasileiro      Comment   Translate Page      

Primeira a conseguir a autorização do BC foi a QI Tech, no final de 2018

O post Fintechs: as sociedades de crédito que têm crescido no mercado brasileiro apareceu primeiro em Portal 6.


          The Biggest Deals In Fintech History Are Happening Right Now      Comment   Translate Page      
Something is happening in the financial services industry. As disruptive upstarts offer more traditional financial services, and legacy financial companies invest more in technology, the industry is experiencing unprecedented consolidation, with partnerships, deals, and acquisitions being made at a near-dizzying pace.
          Cambridge Centre for Alternative Finance launches collaboration network in Chile      Comment   Translate Page      

UK Ambassador Jamie Bowden with speakers of the Seminar organized to mark the collaboration network launched in Chile A group of UK experts visited Santiago during March 2019 to inaugurate a fintech collaboration network with the United Nations Economic Commission for Latina America and the Caribbean (UNECLAC). This was an outcome of an intense agenda of activities carried out in Chile last October by the Cambridge Centre for Alternative Finance, (CCAF).


          OJK Komitmen Jalankan Pembiayaan Berkelanjutan      Comment   Translate Page      

Liputan6.com, Jakarta - Otoritas Jasa Keuangan (OJK) berkomitmen untuk menjalankan program pengembangan pembiayaan berkelanjutan untuk mendorong kinerja pertumbuhan ekonomi yang selaras dengan upaya kelestarian lingkungan dan sosial masyarakat.

"OJK akan melakukan pendalaman pasar keuangan melalui penciptaan produk keuangan yang mendukung pertumbuhan ekonomi yang memperhatikan dampak sosial dan lingkungan," kata Ketua Dewan Komisioner OJK Wimboh Santoso, dalam keterangan tertulis, Minggu (14/4/2019).

Hal tersebut diungkapkan Wimboh pada Dinner Reception The 6th Sustainable Banking Network (SBN) Global Meeting pada acara Tri Hita Karana Roadmap for Blended Finance yang diselenggarakan oleh OECD dan Tri Hita Karana di Washington, Amerika Serikat.

Menurut Wimboh, bagi negara berkembang seperti Indonesia, upaya mendorong pertumbuhan ekonomi sangat penting untuk mewujudkan masyarakat yang lebih sejahtera, antara lain dengan membangun infrastruktur di berbagai daerah.

“Namun demikian, pembangunan infrastruktur yang masif ini harus memperhatikan dampak lingkungan dan sosial masyarakat agar tidak menimbukan permasalahan sosial di kemudian hari. Untuk itu, pembangunan infrastruktur suatu negara harus sejalan dengan upaya pencapaian sasaran pembangunan berkelanjutan," ujarnya.

Ia menambahkan industri jasa keuangan memiliki peran penting untuk menyediakan pembiayaan pembangunan infrastruktur melalui instrumen keuangan berbasis hijau, sehingga pembangunan infrastruktur dapat dilakukan dalam koridor ramah lingkungan dan sosial.

 

Program Sistematis

Ketua OJK Wimboh Santoso memberi sambutan saat seremonial pembangunan Kantor Pusat Otoritas Jasa Keuangan (OJK) di Jakarta, Selasa (2/4). Kantor Pusat OJK bernama Indonesia Financial Center. (Liputan6.com/Angga Yuniar)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F755138

Saat ini, sejumlah hal perlu dilakukan untuk mendorong berkembangnya pembiayaan berkelanjutan seperti tersedianya program yang sistematis dan masif untuk memastikan kepedulian di semua pemangku kepentingan maupun kolaborasi antara pemerintah dan sektor swasta.

Selain itu, kebutuhan ekosistem yang semakin lengkap dan komitmen dari komunitas global untuk membantu negara-negara berkembang dalam menyediakan ekosistem yang dibutuhkan.

Dalam konteks pengembangan pembiayaan berkelanjutan ini, OJK dalam tiga tahun terakhir, telah melakukan berbagai hal seperti menyusun peta jalan, menyediakan kerangka regulasi bagi pembiayaan berkelanjutan, penerbitan obligasi maupun sukuk hijau, sosialisasi dan peningkatan kapasitas pelaku di industri keuangan.

 

Pembiayaan Campuran

Ketua Dewan Komisioner OJK Wimboh Santoso saat diskusi FMB 9 bertajuk 'Investasi Unicorn untuk Siapa?', Jakarta (26/2). Potret e-commerce dan start-up Indonesia diyakini akan menjadi saran lompatan besar untuk Indonesia. (Liputan6.com/Herman Zakharia)#source%3Dgooglier%2Ecom#https%3A%2F%2Fgooglier%2Ecom%2Fpage%2F2019_04_14%2F755138

Upaya ini telah didukung oleh lembaga naungan Grup Bank Dunia, International Finance Corporation (IFC), yang telah berkomitmen masuk ke pasar obligasi hijau Indonesia senilai USD 1,5 miliar pada 2019 dan Sustainable Banking Network (SBN).

Dengan dukungan besar dari Tri Hita, Indonesia telah berhasil mendapatkan dana USD 2,46 miliar sebagai komitmen untuk membiayai 31 proyek melalui skema pembiayaan campuran, dari berbagai pemangku kepentingan domestik dan global.

Dari 31 proyek tersebut, sebanyak enam proyek baru selesai pada tahun 2018, sedangkan paling tidak tujuh proyek akan direalisasikan tahun 2019.

Saksikan Video Pilihan di Bawah Ini:


          Cambridge Centre for Alternative Finance launches collaboration network in Chile      Comment   Translate Page      

UK Ambassador Jamie Bowden with speakers of the Seminar organized to mark the collaboration network launched in Chile A group of UK experts visited Santiago during March 2019 to inaugurate a fintech collaboration network with the United Nations Economic Commission for Latina America and the Caribbean (UNECLAC). This was an outcome of an intense agenda of activities carried out in Chile last October by the Cambridge Centre for Alternative Finance, (CCAF).


          User Experience aplicado ao acossistema das Fintechs.      Comment   Translate Page      
none
          Fintech startup to offer affordable healthcare medical schemes      Comment   Translate Page      
  Alignd, an all women-led fintech start-up, aims to bring alternative and affordable healthcare models to the South African market.   With an intention to provide alternative, more patient-centred and value-led healthcare models to the country’s medical schemes, Alignd is the brainchild of three South African women Dr Linda Holding, a palliative-trained doctor with 20 [&hellip


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