(IT) Architect - Cyber Security - Contract - London   

Location: London   

An exciting FinTech start-up focused on the Financial sector is currently looking for an experienced Architect to join and support the Cyber Security team. The role will focus on design and architecture across all aspects of cyber-security. In order to be considered for this role, as an experienced cyber-security architect, you will have had experience of: Authentication, authorisation and application security; Cryptography and PKI Network security (with a focus on cloud); Multiple detection systems exposure; Mobile and web security; and Payments systems The cyber-security architect will be able to demonstrate hands on technical strength as well as the ability to engage with multiple stakeholders across all necessary teams. For more information and a confidential discussion, please apply with an updated CV.
 
Type: Contract
Location: London
Country: UK
Contact: Michael Nsiah
Advertiser: Trilogy International
Email: Michael.Nsiah.FF5BE.42DF2@apps.jobserve.com
Start Date: ASAP
Reference: JSARC30

          Heckyl#39;s News Sentiment Index for Nifty turns bearish, signals peaking of bull run   
Heckyl#39;s News Sentiment Index for Nifty turns bearish, signals peaking of bull run While investors and experts look for indicators which might give the direction in which the market is heading, Fintech firm Heckyl#39;s news sentiment index for Nifty has turned bearish for the 50-share index ending the two-month long bullish phase, pointing towards a market correction.
          DevOps Engineer Distributed Data (Cassandra) - ING - Noord-Holland   
ING is transforming rapidly towards a top notch IT company with a Top Engineering culture, incorporating FinTech start-up mentality and financial innovation....
Van ING - Fri, 23 Jun 2017 14:06:55 GMT - Toon alle vacatures in Noord-Holland
          Full Stack Heroes - ING - Noord-Holland   
ING is transforming rapidly towards a top notch IT company with a Top Engineering culture, incorporating FinTech start-up mentality and financial innovation....
Van ING - Wed, 14 Jun 2017 07:58:22 GMT - Toon alle vacatures in Noord-Holland
          Autoscribe Corporation Named One of Twenty Most Promising Fintech...   

Autoscribe named among top financial technology innovators by...

(PRWeb June 29, 2017)

Read the full story at http://www.prweb.com/releases/2017/07/prweb14472821.htm


          M2Banking & Fintech Latam   

M2Banking & Fintech Latam

July 18, 2017 to July 20, 2017

In its 8th year, and 2nd year in San Francisco, the event brings together the key players of Latin America’s fintech ecosystem for 3 intensive days focusing on mobile money, payments and financial innovation in the region. The forum aims to connect Latin American decision makers with innovators from the Bay Area, US and international mobile community.

The conference will follow a case study approach, with the region’s innovators exploring the complex and fascinating dynamics of financial institutions as they navigate towards complete integration with the mobile world.

Topics of Discussion

  • Fintech ecosystem and mobile financial services in Latin America
  • Digital Wallet and innovative services for the unbanked, microfinance and microcredits;
  • Mobile money, payments and remittances in Latin America
  • Venture Capital and investing
  • Regulatory intelligence, benchmarks
  • Bitcoin &blockchain;
  • big data, location-based services and chatbots
  • and much more!

Use the promo code MMA20 to get 20% discount on all ticket types!

More Info


          Ирландское госагентство запустило два новых конкурса для иностранных стартапов   
Первая программа называется Fintech Fund и предназначена для проектов в сфере финансовых услуг, занимающихся технологиями регулирования, банкинга, кибербезопасности, страхования, блокчейна, искусственного интеллекта и больших данных.
          Lead Java Developer - Growing FinTech Product - (Boston)   
One of the countries fastest growing providers of financial software is in the process of growing their Mutual Fund Trading product team here in Boston. In doing so they need to hire a Lead Java Developer to help take over the end-to-end development and design of the pre-existing product as well as help build the road map that is going to move this platform forward into the AWS and modern web UI space. Currently this is a very senior team of 10 who has owned this product for the last 5 years.
          ​Fintech firm with ties to Charlotte acquires marketing software company for banks, credit unions   
It's the first acquisition by the company, which offers marketing analytics software and other services to banks and credit unions, since being bought by a private equity firm last year run by former Bank of America executives.

          Comment on Content Marketing Conferences: The Ultimate List by Kairui Guo   
Hi Michael, I would like to suggest another event for your great list! Name: Eventful Forum Date: September 14-15 Location: NYC Overview: Eventful Enterprises presents the second annual gathering of the Eventful Forum, an executive conference dedicated to addressing the future of business through the world’s converging industries. Last year, EF2016 hosted participants from 12 cities around the country and 4 countries around the world. For this year’s followup, EF2017 will be the first conference anywhere to bring the martech and fintech worlds together under one roof, to address the most urgent and actionable collaborations needed for facing the imminent new paradigm of virtualized consumerism. Link: http://www.eventfulforum.com
          Comment on Ron Suber, Prosper President and Industry Legend, Stepping Down by Brett Crosby   
Congratulations Ron and thanks for paving the way for so many of us in the FinTech space. You spent your career as a uniter of our space, and in doing so built a tremendous legacy. We do indeed all owe you a debt of gratitude which is part the reason you will always be "the Mayor of FinTech Town" in my mind. Thank you for your hard work and helping lead the way and then passing along the playbook.
          Fintech : l'émergence des Regtech, nouvelle préoccupation du superviseur   

Le pôle Fintech Innovation de l’ACPR a reçu 133 jeunes pousses en un an d’activité. Les Fintech liées aux services de paiement restent majoritaires.

 Lire l'article

          Comment on How Fintechs Can Build Efficient Solutions for Intra-African Remittance by Ndubuisi Ekekwe   
Those can be managed. There is no regulation that cannot be digitized.All that is required is the identification. One can build solutions to comply with all of them. Of course, a blog is not an ecosystem to discuss all the components. This challenge product will solve any compliance issue http://tekedia.com/64748/digital-product-no-fintech-bank-building-africa/
          Comment on How Fintechs Can Build Efficient Solutions for Intra-African Remittance by Anonymous   
Quite a bright idea...but the missing piece on the analysis is the regulatory aspect...of the banking, mobile money and forex industry in the respective countries.
          Commentaires sur Blockchain, Fintech et cryptomonnaies : nouvel horizon du monde de la finance ? par h16   
On se demande de quoi vivent Kraken, Bitstamp, Poloniex, ou tant d'autres (exemples rapides, on en trouvera plein d'autres facilement).
          Fintech sales take off after DOL fiduciary rule's partial implementation   
Adviser demand for a technological answer to meeting new requirements of the Department of Labor's fiduciary rule has jumped in the three weeks since part of the retirement advice regulation was implemented.
          Cedar Recruitment Limited: Group FP&A Analyst   
£45000 - £55000 per annum + benefits: Cedar Recruitment Limited: Market leading, fintech brand is looking for a highly talented senior finance professional to work as a key part of the Group FP&A team that business partners with the executive board providing deep drive analysis, commentary and finance support and chall England, London
          PR: ハイトランザクション性能/信頼性/可用性が求められるビットコイン取引所とブロックチェーン型DBをMicrosoft Azureで実現   

最新のITで金融サービスを変革する「Fintech(金融IT)」――。トランザクションが膨大で、処理量が短期間に変動することも多いので、そのための基盤としてクラウドが活用されるケースも増えてきている。このFintechサービスをMicrosoft Azureの上で提供しているのが、国内最大のビットコイン取引所を運営するbitFlyerだ。ブロックチェーン型データベース「miyabi」の提供も2017年内に本格化する予定だ。


          【放手讓年輕人推動轉型巨輪,用新創思維顛覆傳統】中信數位轉型秘密武器亮相   
第一眼看到這群平均年齡不到35歲的團隊一字排開,人人一身印著創新、CTBC字樣的黑色T恤,上班氣氛輕鬆,成員打成一片,但一講到創新技術、Fintech情報,又立刻眼神發亮,目光銳利了起來。 你絕對會以為這是一家新創公司,但其實他們是中國信託數位金融處(簡稱數金處)的伙伴,活潑、年輕是這支團隊的標誌。 這支設立在中國信託內部的非典型團隊,正在替中信打一場數位轉型的硬仗。「像區塊鏈這類新技術出現時,數金處就是領頭羊,帶頭研究,再推到各個業務單位。」數位金融處副總經理蘇美勳指出,中信推動數位轉型的策略之一,就是將數金處設置在金控層級。如此,可以將各種數位轉型的策略,跨金控地向下延伸到各個子公司當中。
          Enterprise Ireland bids to woo startups with EUR500,000 fintech fund   
Enterprise Ireland has created a EUR500,000 fintech development and support fund in a bid to attract...
          LA joins fintech fray through digital money conference   
Los Angeles is looking to jump aboard the multi-billion dollar fintech train through its first profe...
          EBA rejects Commission amendments on screen scraping under PSD2   
The latest twist in the ongoing row between banks and fintech companies over the future of customer...
          PwC: Οι αντασφαλιστές δίνουν τα χέρια με τον «εχθρό»   
Φοβούνται οι αντασφαλιστές τα Insurtech συμπεραίνει έρευνα της PwC για τα FinTech παγκοσμίως. Ο κύριος φόβος των αντασφαλιστών ότι τα Insurtech θα συμπιέσουν τα έσοδα τους, όσο αυξάνεται η είσοδος του στο κλάδο της τεχνολογίας. Το 20% από το 56% των παγκοσμίων αντασφαλιστών που συμμετείχε
          For Banks, Platformification and Customer Service are Key to Survival   
This week, we’re proud to be sponsoring the BBA Annual Retail Banking Conference in London when Avoka’s Cliff Van Tonder will be speaking on one of the biggest trends in banking: “platformification.” Bank platformification is gaining traction due primarily to the encroachment of Fintech Disruptors on the traditional banking space – these disruptors are: Small and nimble (ala David in “David and Goliath”) They’re unencumbered...

Read More
          Senior Java Developer   
Hays IT currently working with a new fintech client based in Geelong, Victoria. With a pioneering …
          Barclays bank wants to bring bitcoin “into play”   
British multinational bank Barclays has been in discussions with regulators about bringing digital currencies like bitcoin into service, CNBC reported citing the bank’s UK chief executive Ashok Vaswani. “We have been talking to a couple of fintechs [financial technology firms – Ed.] and have actually gone with the fintechs to the FCA [Britain’s Financial Conduct […]

          Fintech-Broker: Wachablöse im Wertpapierhandel   

Das Platzieren einer Kauforder für Aktien war vor nicht allzu langer Zeit noch durch einen aufwändigen Prozess geprägt: Zumeist beauftragte der Kunde den eigenen Bankberater persönlich. Der wiederum faxte eine Order an die Zentrale, die von dort an eine Drittbank oder einen Broker weitergeleitet wurde. Jeder in dieser Kette wollte mitverdienen, wodurch sowohl die Gebühren […]

The post Fintech-Broker: Wachablöse im Wertpapierhandel appeared first on Boersengefluester.


          UK-based regtech startup ClauseMatch raises £1.25 million   

London-based regtech and fintech startup ClauseMatch has raised £1.25 million. The latest investment was received from the Austria-based VC fund Speedinvest. SparkLabs Global Ventures and TechStars had previously invested in the startup.

The post UK-based regtech startup ClauseMatch raises £1.25 million appeared first on Tech.eu.


          Ruby on rails Developer Microcentro   
San Nicolás, Provincia de Buenos Aires - Nos encontramos en la búsqueda de un Ruby on rails developer SsrSr para sumarse al equipo de importante empresa del rubro Fintech. Bitex...
          Nový internetový fintech projekt hypo360.cz vstupuje na český hypoteční trh    

První přímý online poradce pro zprostředkování hypotečních úvěrů, který klientům vyplácí zpět provizi za sjednání obchodu standardně placenou bankou finančním poradcům


          DGAP-Adhoc: The NAGA Group AG: bei dem Hamburger FinTech Unternehmen führt hohe Nachfrage zu mehrfacher Überzeichnung.   
DGAP-Ad-hoc: The NAGA Group AG / Schlagwort(e): Kapitalmaßnahme The NAGA Group AG: bei dem Hamburger FinTech Unternehmen führt hohe Nachfrage zu mehrfacher Überzeichnung. 2017-06-29 / 19:19 CET/CEST Veröffentlichung einer Insiderinformation gemäß Artikel 17 MAR, übermittelt durch DGAP - ein Service der EQS Group AG. Für den...
          NewAlpha annonce le closing final de son fonds de venture capital dédié aux FinTech   
Spécialiste de l’investissement dans l’industrie financière entrepreneuriale, NewAlpha Asse...
Journal quotidien finance innovation

          Breaking Banks: EU fintech superheroes   
Interviews with entrepreneurs and techies at the Money2020 Europe conference.
          Is your AI racist? A lawmaker wants to know   
The promise of fintech is that it might offer underbanked consumers access to financial products. But some are worried that relying on algorithms to make credit decisions could open up problems of its own.
          A SoFi Mortgage Comes with Avocado Toast (Seriously)   
Millennials out there are often caught between two big decisions: do they buy a home, or do they keep buying sweet, delicious avocado toast? Luckily for the potential millennial homebuyer, fintech lender SoFi has found a way to merge these two completely exclusive purchases: a SoFi mortgage now comes with avocado toast. Seriously—for the entire […]
          7 Startups to Watch: Payments, Savings, Blockchain, and More   
Knowing which startups to keep an eye on in fintech can be a full time job (for some, it is actually a full-time job), especially as more and more of them launch, get funding, and partner up with banks. Take a look at the seven startups Bank Innovation is watching this month below: bonify Berlin […]
          VIDEO: Pam Fitz   
Finastra is the third largest Fintech company in the world after combining the forces of Misys and D+H.
          保姆纵火案警示:如何过滤身边的危险人物   

保姆纵火案警示:如何过滤身边的危险人物

2017年06月30日 10:18 来源于 财新网
无犯罪记录调查、信用报告调查、 前雇主询问, 这其中的任何一个环节,都能把纵火嫌疑人莫某挡在受害者的门外,让受害者躲过灭门之灾
保姆纵火案警示:如何过滤身边的危险人物 - 上下四方宇的博客 - 上下四方宇的博客蔡凯龙
中泽嘉盟投资基金合伙人,财经专栏作家,互联网金融千人会联合创始人, 台湾金融研训院讲课老师。 曾任联想控股旗下P2P翼龙贷副总裁,德意志银行(美国)战略科技部副总裁, 担任美国休斯顿大学商学院金融系助理教授。注册金融分析师(CFA), 金融风险管理师(FRM), 经济和计算机双硕士,金融系博士生。

  【财新网】(专栏作家 蔡凯龙)舆论热议中的6月22日的杭州保姆纵火案,随着犯罪嫌疑人莫某被批捕,逐渐尘埃落定。这一悲惨事件给国人而留下除了惋惜,更多的是不安。

  一个贤妻良母和三个可爱的小生命,他们生命的最后终点,却是在自家浓烟滚滚的女儿房。而点燃这把火的,竟然是自家的保姆。

  随后媒体逐一揭露该保姆劣迹斑斑的历史:赌博,欠债,被法院起诉,偷窃前雇主被解雇等等。 这些事实更加刺痛千万国人的心:莫某这样的人,是如何进入受害者一家成为保姆的?而我们身边,还潜伏多少莫某这样致命的危险人物?

  毫无疑问,介绍莫某给受害者的家政服务公司有着不可推卸的责任。家政公司收了中介服务费,却没有做基本的筛选和调查。而受害者由于疏忽大意,没有做必要的背景调查。对家政公司和莫某的轻信,终究酿成了大祸。

  只要打个电话,上网一查,这样的悲剧本该可以避免的。

  这反映了中国人际关系中一个很矛盾的现象: 我们都不轻易相信陌生人,却又容易过分相信身边人。街上摔倒的老人我们不敢扶, 而家中的保姆我们没想查。

  保姆在很多衡量标准里,是一个家庭真正的主人。

  曾经有个笑话,说一个对夫妇成天在外面做生意辛苦赚钱, 买了海景大豪宅,还养了一条狗。 主人太忙,在家时间少,大部分时间都是保姆一个人享受这豪宅和美景。保姆遛狗的时候还被邻居误以为是房子主人。 这对夫妇则自嘲自己是在为保姆打工。

  主人离开家的时候,把家里最宝贵的人——小孩或者老人,以及最有价值的财产——房子,都托付给了保姆掌管。委以保姆如此重任, 有多少人做过保姆的背景调查?

  笔者在美国请保姆的经历也许能给国人一些启示。 美国的家政服务公司,都会先要求保姆提供合法身份证明、合法工作证明、健康报告、社会保险号(相当于国内身份证),并让保姆书面授权同意做无犯罪记录调查和提取信用报告。家政公司经过调查筛选后推荐保姆给雇主。如果面试后觉得合适, 雇主一般要求保姆提供最近几个前雇主的电话,以供查询验证。 如果是朋友介绍的保姆,除了不必提供前雇主电话,其他环节缺一不可。

  无犯罪记录调查、信用报告调查、 前雇主询问, 这其中的任何一个环节,都能把纵火嫌疑人莫某挡在受害者的门外,让受害者躲过灭门之灾。

  我们每一个人都不得不面对这样一个事实: 这社会不可能杜绝坏人,而图谋不轨的人,都很善于伪装。 据媒体报道,杭州纵火案遇难女主人曾表示:“这次保姆是找对了”。

  但是坏人是无法伪装太久。能骗过社会信用记录,伪装一辈子的,还能叫坏人吗?

  一个人的社会信用历史,才是经过时间考验的、铁一般的证据, 才能真正帮我们把坏人拒之门外。

  社会信用体系还能增加坏人作恶成本,从根源上遏制作恶, 比如假摔的老人、碰瓷的路人、不良的保姆和不法的雇员。

  对一个企业,雇佣员工的重要性, 不逊于一个家庭找一个保姆。 企业同样把公司最重要的无形品牌和有形资产托付给员工。然而中国的企业,有多少在招聘时候做过详细的员工背景调查?

  笔者在美国曾经就职于华尔街一家国际大投行, 就职前的程序在国人眼里堪称极其繁琐,比美国应聘保姆的程序有过之而无不及。

  除了身份、工作、健康、无犯罪记录、信用等基本证明外,还要学历证明,之前的工作证明,之前雇主或者部门经理联系方式,之前薪资记录证明等等。 最后一关也是最奇葩的一个环节,上班之前一星期要到公司总部的医务室,现场抽血验尿,查验是否使用过毒品。 这导致我药检前不敢去纽约中国城吃火锅,怕万一火锅放什么罂粟壳等其他奇怪火锅料。

  人事部费了九牛二虎之力把每个入职员工查了个透彻,其实是一种充分利用社会信用体系的有效风险管理,这将避免公司日后多少的损失和纠纷。

  老人假摔、路人碰瓷、保姆虐童、员工泄密……这类层出不穷事件提醒国人,社会漠视信用体系的后果。一个社会的成熟度,体现在这个社会对信用体系的重视程度。

  什么时候我们敢扶街上摔倒的老人,主动查家里保姆的背景,中国建设成熟社会信用体系就更加有希望了。保姆纵火案警示:如何过滤身边的危险人物 - 上下四方宇的博客 - 上下四方宇的博客

  作者为金融科技专家,《区块链:金融科技与创新》和《区块链技术驱动金融:数字货币和智能合约技术》的编译者

责任编辑:张帆(ZN005) | 版面编辑:李丽莎(ZN024)

          [aktualita] Český fintech rozšiřuje Hypo360. Po peněženkách a analytice jsou tu hypotéky   
Tuzemská fintechová scéna má nové postavy. Jan Drahota, Teodor Tamas a Jan Setikovský sbírali roky zkušenosti v bankovnictví, aby se teď rozhodli to zkusit po svém. Na vývoji spolupracovala firma s duem Creative Dock a U+.  „Loni bylo uzavřeno 114 tisíc hypoték v celkové hodnotě 225 miliard. Víc než šedesát procent hypoték v Česku je zprostředkovaných. Poradci se pak dostávají do konfliktu a to my chceme odstranit,“ vysvětluje zakladatel firmy Jan Drahota.  Podobně jako třeba personální…
          Comision de Valores de Malasia y Australia firman acuerdo para formentar Fintech.   
La Comisión de Valores de Malasia (SC) ha anunciado que ha firmado un acuerdo de cooperación con la Comisión de Innovación de Valores e Inversiones de Australia (ASIC) en un movimiento para impulsar la innovación...
          Google busca startups financieras en Latinoamérica   

El gigante tecnológico está buscando en Latinoamérica startups con potencial en el ámbito de las fintech para unirse a su nuevo proyecto, el Campus Latam Exchange Founders. Este programa incluye una sesión formativa en la que los emprendedores elegidos podrán conocer de primera mano las experiencias y detalles de especialistas del sector en unas jornadas

La entrada Google busca startups financieras en Latinoamérica aparece primero en Todostartups.


          Singapore, Denmark to cooperate on fintech   
The Monetary Authority of Singapore and the Danish Financial Supervisory Authority have signed an agreement to encourage fina -More

          Former Barclays Chief Says Blockchain and Crypto Could Make Banks Irrelevant   

Former Barclays chief executive and current UK shadow chair of the Institute for Apprenticeships, Antony Jenkins has warned that banks may become antiquated and irrelevant should they fail to embrace contemporary fintech solutions in a recent interview with CNBC. Also Read: Barclays Want UK Government to Regulate Bitcoin Mr. Jenkins Suggested That Emerging Financial Technologies […]

The post Former Barclays Chief Says Blockchain and Crypto Could Make Banks Irrelevant appeared first on The Bitcoin News - Decentralised Bitcoin and Crypto News.


          Former Barclays Chief Believes Blockchain and Cryptocurrencies Could Make Banks Irrelevant   

Former Barclays chief executive and current UK shadow chair of the Institute for Apprenticeships, Antony Jenkins has warned that banks may become antiquated and irrelevant should they fail to embrace contemporary fintech solutions in a recent interview with CNBC. Also Read: Barclays Want UK Government to Regulate Bitcoin Mr. Jenkins Suggested That Emerging Financial Technologies […]

The post Former Barclays Chief Believes Blockchain and Cryptocurrencies Could Make Banks Irrelevant appeared first on The Bitcoin News - Decentralised Bitcoin and Crypto News.


          PayPal Isn't Scared of the Competition   
In the past year PayPal Holdings Inc NASDAQ PYPL has completed a number of deals and agreements with other financial institutions and fintech companies PayPal s management team believes these partnerships best position the company going forward in a fiercely
          Corded headphones can now be wireless with Griffin's iTrip Clip Bluetooth adapter   

Rumor has it that the iPhone 7 will be missing that 3.5mm audio jack, but there’s still hope for you corded headphones with this $20 gadget.

The iTrip Clip is a Bluetooth adapter that gives corded headphones the wireless capabilities needed to work with smartphones without headphone jacks, like the upcoming iPhone 7 and the Moto Z.

Developed by Griffin Technology, the iTrip Clip has a built-in mic so you can take calls or talk to Siri. Fully charged, this adapter can last up to six hours of play or talk time. You will be able to order the iTrip Clip in September for $20.

To read this article in full or to leave a comment, please click here


          N26 #1 : comment j’ai ouvert un compte bancaire en Allemagne en 29 minutes   

Il parait que la FinTech a envie de révolutionner le petit monde des transactions bancaires. Nous avons testé N26, la banque entièrement gratuite et dirigée par une application pour voir ce qu'elle avait dans le ventre. Promesses tenues ? [Lire la suite]
          Are Robots Taking Over The World's Finance Jobs?   

Nafis Alam, Sunway University and Graham Kendall, University of Nottingham


The year is 2030. You’re in a business school lecture hall, where just a handful of students are attending a finance class.


The dismal turnout has nothing to with professorial style, school ranking or subject matter. Students simply aren’t enrolled, because there are no jobs out there for finance majors.


Today, finance, accounting, management and economics are among universities’ most popular subjects worldwide, particularly at graduate level, due to high employability. But that’s changing.


According to consulting firm Opimas, in years to come it will become harder and harder for universities to sell their business-related degrees. Research shows that 230,000 jobs in the sector could disappear by 2025, filled by “artificial intelligence agents”.


Are robo-advisers the future of finance?


A new generation of AI


Many market analysts believe so.


Investments in automated portfolios rose 210% between 2014 and 2015, according to the research firm Aite Group.


Robots have already taken over Wall Street, as hundreds of financial analysts are being replaced with software or robo-advisors.


In the US, claims a 2013 paper by two Oxford academics, 47% percent of jobs are at “high risk” of being automated within the next 20 years – 54% of lost jobs will be in finance.


This is not just an American phenomenon. Indian banks, too, have reported a 7% decline in head count for two quarters in a row due to the introduction of robots in the workplace.


Perhaps this is unsurprising. After all, the banking and finance industry is principally built on processing information, and some of its key operations, like passbook updating or cash deposit, are already highly digitised.



Now, banks and financial institutions are rapidly adopting a new generation of Artificial Intelligence-enabled technology (AI) to automate financial tasks usually carried out by humans, like operations, wealth management, algorithmic trading and risk management.


For instance, JP Morgan’s Contract Intelligence, or COIN, program, which runs on a machine learning system, helped the bank shorten the time it takes to review loan documents and decrease the number of loan-servicing mistakes.


Such is the growing dominance of AI in the banking sector that, Accenture predicts, within the next three years it will become the primary way banks interact with their customers. AI would enable more simple user interfaces, their 2017 report notes, which would help banks create a more human-like customer experience.


Customers at Royal Bank of Scotland and NatWest, for instance, may soon be interacting with customers with the help of a virtual chatbot named Luvo.


Luvo, which was designed using IBM Watson technology, can understand and learn from human interactions, ultimately making the flesh-and-blood workforce redundant.


Meanwhile, HDFC, one of India’s largest private-sector banks, has launched Eva. India’s first AI-based banking chatbot can assimilate knowledge from thousands of sources and provide answers in simple language in less than 0.4 seconds. At HFDC Eva joins Ira, the bank’s first humanoid branch assistant.



AI has also made inroads in the investment industry, where, many financial analysts say, a sophisticated trading machine capable of learning and thinking will eventually make today’s most advanced and complex investment algorithms look primitive.


Advisory bots are allowing companies to evaluate deals, investments, and strategy in a fraction of the time it takes today’s quantitative analysts to do so using traditional statistical tools.


Former Barclays head Antony Jenkins, who called the disruptive automation of banking sector an “Uber moment”, predicts that technology will make fully half of all bank branches and financial-services employees across the globe redundant within ten years.


Goodbye, human fund managers.


The fintech grads of the future


Universities are now revising their educational blueprint to adapt to this technological disruption in the finance job market.


Both Standford University and Georgetown University business schools are planning to offer so-called “fintech” in their MBA programmes, hoping to teach students how to become masters of financial technology.


And the Wales-based Wrexham Glyndwr University has announced the launch of the UK’s first undergraduate degree in fintech.


But fintech is so new and diverse that academics are having difficulty to construct a syllabus for Financial Technology 101, let alone more advanced topics on AI. The lack of academic textbooks and expert professors are additional challenges.


Robots gone wild


Still, it is not clear that AI and automation will actually prove advantageous for banks.


Too much reliance on AI could backfire if financial institutions lose the human touch most customers favour.


There are other risks, too. Robo-advisers are cheap and save time when creating a simple investment portfolio, but they may struggle to take the correct precautionary measures when markets become volatile, especially when thousands, maybe millions, of machines are all trying to do the same thing while operating at great speed.


In August 2012, robo stock traders at Knight Capital Group went on a spending spree and lost $440 million in just 45 minutes.



High expectations for the performance of these well-programmed robo-traders could also cause chaos in the key trading centres around the world.


There is no single algorithm that can combine multiple volatile variables with a multidimensional economic forecasting model that works for all investors. Expecting that could prove a potentially fatal error for financial markets.


And how will investors be protected when robots make the wrong decision? According to the rulings of the US Securities and Exchange Commission (SEC), robo-advisers require registration in the same way human investment advisers do. They are also subject to the rules of the Investment Advisers Act.


But it is difficult to apply to robots the financial regulations designed to govern human behaviour.


The SEC’s rules, created to protect the investors, require that advisers adhere to a fiduciary standard by which they unconditionally put the client’s best interests ahead of their own. Concerned US regulators have asked whether it is practical for robots to follow rules when their decisions and recommendations are generated not by ratiocination but by algorithms.


The ConversationThis conundrum demonstrates one fact clearly: it is hard to completely replace humans. There will always be demand for a real live person to act as check when and if our robots go rogue.


Nafis Alam, Professor of Finance, Sunway University and Graham Kendall, Professor of Computer Science and Provost/CEO/PVC, University of Nottingham


This article was originally published on The Conversation. Read the original article.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.


          Vodi Closes Successful Crowdfunding Round With $100,000+ Raised   

Vodi Completes Crowdfunding RoundDULUTH, Ga., June 29, 2017 /PRNewswire/ -- Vodi, the global fintech and communication services app with a worldwide footprint, has successfully completed its crowdfunding round. Having raised more than $100,000 from 160-plus investors on the WeFunder platform, the app is poised to enter...



          Fintech startup Rubique raises $3 million in a bridge round from Kalaari Capital   
Rubique, a finance technology company empowering individuals and SMEs by providing easy and smooth access to finance and financial products, has raised a bridge round of funding worth $3 million. The money comes from existing investor Kalaari Capital and Udayan Goyal, managing partner at Apis Partners. Apis a financial services-oriented private equity firm focused on […]
          Hiring for HR Operations Mgr - Onboarding, Payroll, Hiring - Top Fintech Startup in Delhi/NCR(Nation (Job in Mumbai)   
J...
          (USA-SC-Columbia) PS Executive Services Consultant   
Position Description **About the Role**: Fiserv is seeking a **Professional Services Specialist**. As part of the Professional Services team, you will have the opportunity to join the industry leader in financial services technology, a FORTUNE™ 500 company, with more than 22,000 associates around the world. You’ll find a collaborative environment that values teamwork and open-mindedness. Our combination of expertise and innovative spirit help us to deliver the most comprehensive financial solutions to banks and credit unions. The Professional Services Consultant will provide analysis, consultation and recommendations to clients during deployment of DNA Core Financial Software, in order to ensure clients’ business needs are met. The right candidate will work closely with clients and internal stakeholders to ensure delivery and implementations and provide the best-in-class solutions to the clients’ needs. *Join Us!* Fiserv has been named to FORTUNE® magazine’s 2017 list of World’s Most Admired Companies. Fiserv serves thousands of clients worldwide, including financial institutions ranging from the largest banks to neighborhood financial institutions. This marks the fourth consecutive year Fiserv has been awarded this prestigious recognition and fifth time in the last six years. This year, Fiserv ranked at the top of its category for innovation and rated highly for financial soundness, long-term investment value and quality of management. These acknowledgements reflect Fiserv leadership as an innovator and expert in fintech, as well as the company's focus on creating value for clients, associates and shareholders. "A large part of our mission is to enable our clients to deliver financial technology solutions and customer experiences that enhance differentiation and build their businesses. It is an honor to be recognized as one of the Most Admired Companies in the world for the fourth year in a row. I am so proud of our 23,000 associates worldwide who bring their very best to Fiserv for the benefit of our clients every day." - Jeffery Yabuki, President **Essential Job Responsibilities**: * Provide strategic leadership, direction and standardization for the delivery of engagements * Set and continually manage project expectations with team members and other stakeholders with a view to One Fiserv integration in all projects * Determine appropriate actions and interventions in collaboration with internal resources and clients for projects at risk * Exceed the clients' business objectives and expectations while delivering services within the scope of the agreement * Deliver on quarterly objectives, including customer satisfaction, references, revenue, utilization and margin * Manage client expectations and consulting service delivery using client management best practices and according to scope established by client agreements * Develop a repeatable, process-based approach that recognizes the interdependence of all key stakeholders among the Consulting Practice team enabling the team to scale for greater efficiency * Ensure continued emphasis and refinement on improving consulting approaches, processes including methodologies around quality and change control * Build relationships with senior-level client management to understand and solve business challenges and specific needs * Attend on-site events * Participate in thought leadership functions, such as industry conferences, webinars, and other external events that promote the Consulting Practice function within Fiserv * Provide consultative inputs (both internally and externally) on area(s) of subject matter expertise, including industry best practices, developing trends, and providing reusable content in the way of presentations and proposals * Developing leading industry insight to present to clients * Upsell - Provide support to sales executives to close consulting deals and initiate consulting projects * Serve as a change agent in institutionalizing a process excellence culture that changes our associate mindsets and behaviors //The above statements are intended only to describe the general nature of the job, and should not be construed as an all-inclusive list of position responsibilities.// **To qualify for this position, you must have:** * Bachelor’s Degree or equivalent experience required * 5 years’ experience in a Client Services or Consulting role * 2+ years as a people manager * Demonstrated experience in Lean Six Sigma for service a plus * Prior track record in process improvement * Prior Project Management Experience preferred * DNA Product experience a plus * 10+ years Banking industry experience and product knowledge * Proven successful management experience, particularly in a fast-paced, high growth environment * Demonstrated experience in effectively prioritizing and executing tasks in a high-pressure environment * Ability to quickly learn and apply new skills, procedures and approaches * Detail oriented with highly developed organizational and time management skills * Excellent communication and interpersonal skills * Passion for client service * Ability to travel as required * Strong competency with Microsoft Office (Word, Excel, PowerPoint, Outlook) * In addition to the qualifications listed above, the firm places high emphasis on relevant personal qualities: collaboration, teamwork, personal accountability and resilience **Travel Required**: * Up to 75%, may include weekend and holidays Fiserv is an Equal Opportunity Employer/Disability/Vet. Visit http://www.careers.fiserv.com/eeo for more information.
          (USA-FL-Tallahassee) PS Execution Services Consultant   
Position Description **About the Role**: Fiserv is seeking a **Professional Services Specialist**. As part of the Professional Services team, you will have the opportunity to join the industry leader in financial services technology, a FORTUNE™ 500 company, with more than 22,000 associates around the world. You’ll find a collaborative environment that values teamwork and open-mindedness. Our combination of expertise and innovative spirit help us to deliver the most comprehensive financial solutions to banks and credit unions. The Professional Services Consultant will provide analysis, consultation and recommendations to clients during deployment of DNA Core Financial Software, in order to ensure clients’ business needs are met. The right candidate will work closely with clients and internal stakeholders to ensure delivery and implementations and provide the best-in-class solutions to the clients’ needs. *Join Us!* Fiserv has been named to FORTUNE® magazine’s 2017 list of World’s Most Admired Companies. Fiserv serves thousands of clients worldwide, including financial institutions ranging from the largest banks to neighborhood financial institutions. This marks the fourth consecutive year Fiserv has been awarded this prestigious recognition and fifth time in the last six years. This year, Fiserv ranked at the top of its category for innovation and rated highly for financial soundness, long-term investment value and quality of management. These acknowledgements reflect Fiserv leadership as an innovator and expert in fintech, as well as the company's focus on creating value for clients, associates and shareholders. "A large part of our mission is to enable our clients to deliver financial technology solutions and customer experiences that enhance differentiation and build their businesses. It is an honor to be recognized as one of the Most Admired Companies in the world for the fourth year in a row. I am so proud of our 23,000 associates worldwide who bring their very best to Fiserv for the benefit of our clients every day." - Jeffery Yabuki, President **Essential Job Responsibilities**: * Provide strategic leadership, direction and standardization for the delivery of engagements * Set and continually manage project expectations with team members and other stakeholders with a view to One Fiserv integration in all projects * Determine appropriate actions and interventions in collaboration with internal resources and clients for projects at risk * Exceed the clients' business objectives and expectations while delivering services within the scope of the agreement * Deliver on quarterly objectives, including customer satisfaction, references, revenue, utilization and margin * Manage client expectations and consulting service delivery using client management best practices and according to scope established by client agreements * Develop a repeatable, process-based approach that recognizes the interdependence of all key stakeholders among the Consulting Practice team enabling the team to scale for greater efficiency * Ensure continued emphasis and refinement on improving consulting approaches, processes including methodologies around quality and change control * Build relationships with senior-level client management to understand and solve business challenges and specific needs * Attend on-site events * Participate in thought leadership functions, such as industry conferences, webinars, and other external events that promote the Consulting Practice function within Fiserv * Provide consultative inputs (both internally and externally) on area(s) of subject matter expertise, including industry best practices, developing trends, and providing reusable content in the way of presentations and proposals * Developing leading industry insight to present to clients * Upsell - Provide support to sales executives to close consulting deals and initiate consulting projects * Serve as a change agent in institutionalizing a process excellence culture that changes our associate mindsets and behaviors //The above statements are intended only to describe the general nature of the job, and should not be construed as an all-inclusive list of position responsibilities.// **To qualify for this position, you must have:** * Bachelor’s Degree or equivalent experience required * 5 years’ experience in a Client Services or Consulting role * 2+ years as a people manager * Demonstrated experience in Lean Six Sigma for service a plus * Prior track record in process improvement * Prior Project Management Experience preferred * DNA Product experience a plus * 10+ years Banking industry experience and product knowledge * Proven successful management experience, particularly in a fast-paced, high growth environment * Demonstrated experience in effectively prioritizing and executing tasks in a high-pressure environment * Ability to quickly learn and apply new skills, procedures and approaches * Detail oriented with highly developed organizational and time management skills * Excellent communication and interpersonal skills * Passion for client service * Ability to travel as required * Strong competency with Microsoft Office (Word, Excel, PowerPoint, Outlook) * In addition to the qualifications listed above, the firm places high emphasis on relevant personal qualities: collaboration, teamwork, personal accountability and resilience **Travel Required**: * Up to 75%, may include weekend and holidays Fiserv is an Equal Opportunity Employer/Disability/Vet. Visit http://www.careers.fiserv.com/eeo for more information.
          (USA-TN-Nashville) Professional Services Specialist   
Position Description **About the Role**: Fiserv is seeking a **Professional Services Specialist**. As part of the Professional Services team, you will have the opportunity to join the industry leader in financial services technology, a FORTUNE™ 500 company, with more than 22,000 associates around the world. You’ll find a collaborative environment that values teamwork and open-mindedness. Our combination of expertise and innovative spirit help us to deliver the most comprehensive financial solutions to banks and credit unions. The Professional Services Consultant will provide analysis, consultation and recommendations to clients during deployment of DNA Core Financial Software, in order to ensure clients’ business needs are met. The right candidate will work closely with clients and internal stakeholders to ensure delivery and implementations and provide the best-in-class solutions to the clients’ needs. *Join Us!* Fiserv has been named to FORTUNE® magazine’s 2017 list of World’s Most Admired Companies. Fiserv serves thousands of clients worldwide, including financial institutions ranging from the largest banks to neighborhood financial institutions. This marks the fourth consecutive year Fiserv has been awarded this prestigious recognition and fifth time in the last six years. This year, Fiserv ranked at the top of its category for innovation and rated highly for financial soundness, long-term investment value and quality of management. These acknowledgements reflect Fiserv leadership as an innovator and expert in fintech, as well as the company's focus on creating value for clients, associates and shareholders. "A large part of our mission is to enable our clients to deliver financial technology solutions and customer experiences that enhance differentiation and build their businesses. It is an honor to be recognized as one of the Most Admired Companies in the world for the fourth year in a row. I am so proud of our 23,000 associates worldwide who bring their very best to Fiserv for the benefit of our clients every day." - Jeffery Yabuki, President **Essential Job Responsibilities**: * Provide strategic leadership, direction and standardization for the delivery of engagements * Set and continually manage project expectations with team members and other stakeholders with a view to One Fiserv integration in all projects * Determine appropriate actions and interventions in collaboration with internal resources and clients for projects at risk * Exceed the clients' business objectives and expectations while delivering services within the scope of the agreement * Deliver on quarterly objectives, including customer satisfaction, references, revenue, utilization and margin * Manage client expectations and consulting service delivery using client management best practices and according to scope established by client agreements * Develop a repeatable, process-based approach that recognizes the interdependence of all key stakeholders among the Consulting Practice team enabling the team to scale for greater efficiency * Ensure continued emphasis and refinement on improving consulting approaches, processes including methodologies around quality and change control * Build relationships with senior-level client management to understand and solve business challenges and specific needs * Attend on-site events * Participate in thought leadership functions, such as industry conferences, webinars, and other external events that promote the Consulting Practice function within Fiserv * Provide consultative inputs (both internally and externally) on area(s) of subject matter expertise, including industry best practices, developing trends, and providing reusable content in the way of presentations and proposals * Developing leading industry insight to present to clients * Upsell - Provide support to sales executives to close consulting deals and initiate consulting projects * Serve as a change agent in institutionalizing a process excellence culture that changes our associate mindsets and behaviors //The above statements are intended only to describe the general nature of the job, and should not be construed as an all-inclusive list of position responsibilities.// **To qualify for this position, you must have:** * Bachelor’s Degree or equivalent experience required * 5 years’ experience in a Client Services or Consulting role * 2+ years as a people manager * Demonstrated experience in Lean Six Sigma for service a plus * Prior track record in process improvement * Prior Project Management Experience preferred * DNA Product experience a plus * 10+ years Banking industry experience and product knowledge * Proven successful management experience, particularly in a fast-paced, high growth environment * Demonstrated experience in effectively prioritizing and executing tasks in a high-pressure environment * Ability to quickly learn and apply new skills, procedures and approaches * Detail oriented with highly developed organizational and time management skills * Excellent communication and interpersonal skills * Passion for client service * Ability to travel as required * Strong competency with Microsoft Office (Word, Excel, PowerPoint, Outlook) * In addition to the qualifications listed above, the firm places high emphasis on relevant personal qualities: collaboration, teamwork, personal accountability and resilience **Travel Required**: * Up to 75%, may include weekend and holidays Fiserv is an Equal Opportunity Employer/Disability/Vet. Visit http://www.careers.fiserv.com/eeo for more information.
          5 things Trump did while you weren't looking: Week 4 - Politico   

Politico

5 things Trump did while you weren't looking: Week 4
Politico
It was “Energy Week” in Washington—but you'd be forgiven for not noticing. The Supreme Court announced a series of major decisions on Monday, slightly easing the injunction on President Donald Trump's travel ban and taking up a big gerrymandering ...
Trump's Labor Department wants salary level to determine whether workers receive overtimeLos Angeles Times
New Fiduciary Rule Complicates Matters For Self-Directed IRA Private Fund InvestorsForbes
Trump administration backs away from Obama overtime ruleCNNMoney
Reuters -MarketWatch -The National Law Review -Pensions & Investments
all 51 news articles »

          Formula Won: Account Manager Fin Tech Markets   
£35,000 + Generous Bonus: Formula Won: Responsible for the profile, direction and development of business and account management for this show covering the Fintech & Enterprise Tech fiel... London (Central), London (Greater)
          5 things Trump did while you weren't looking: Week 4 - Politico   

Politico

5 things Trump did while you weren't looking: Week 4
Politico
It was “Energy Week” in Washington—but you'd be forgiven for not noticing. The Supreme Court announced a series of major decisions on Monday, slightly easing the injunction on President Donald Trump's travel ban and taking up a big gerrymandering ...
Trump's Labor Department wants salary level to determine whether workers receive overtimeLos Angeles Times
New Fiduciary Rule Complicates Matters For Self-Directed IRA Private Fund InvestorsForbes
Trump administration backs away from Obama overtime ruleCNNMoney
Reuters -MarketWatch -The National Law Review -Pensions & Investments
all 50 news articles »

          Világsiker vagy új DAO lesz a Bancor?   

Átverés, a DAO-hoz hasonló új felsülés, vagy az okoscégek első példája lesz a Bancor. Mivel még nem működik, ezért csak a körülötte zajló vita alapján lehet véleményt alkotni.

Világsiker vagy új DAO lesz a Bancor? | FinTechRadar.


          FSB explores FinTech financial stability implications, regulatory challenges   
By Amy Leisinger, J.D.

The Financial Stability Board has issued a report discussing the potential financial stability implications of, and regulatory issues surrounding, technological innovation and the evolution of FinTech. The report identifies several key areas of focus for regulators, including management of operational and cyber risks and consistent monitoring of possible macro-financial risks. Given the small size of FinTech relative to the financial system as a whole, no substantial financial stability risks currently exist, but issues could quickly arise as the industry develops, the FSB notes.

In its report, the FSB identified several potential benefits associated with FinTech, including decentralization and increased intermediation by non-financial entities and enhanced efficiency, transparency, and competition. However, the report also notes a number of potential risks, including institution-specific financial and operations risks, such maturity and liquidity mismatches and governance control. Macro-financial risks to the financial system could also result from increased interconnectedness and dependence on third-party service providers, the FSB states. Although there are limitations on the availability of data as FinTech develops, regulators should take these benefits and risks into account when making assessments and setting up regulatory approaches, according to the report.

A majority of jurisdictions have already taken or plan to take action in response to FinTech, but financial stability is not often cited as an objective, the FSB notes. To adequately address stability concerns, international bodies and national regulators should consider whether current frameworks provide appropriate oversight for third-party service providers to financial institutions, including cloud computing firms and data service providers, to ensure IT safety and security, according to the FSB. In addition, the report stresses the need for additional efforts to mitigate cyber risks in the form of contingency plans for cyber-attacks, information-sharing resources, and ongoing monitoring to minimize the possibility of cyber events that could adversely affect financial stability. While, at present, there are no compelling signs of macro-financial risks directly connected with FinTech, experience shows that issues can emerge quickly if left unchecked, the report explains.

According to the FSB, regulators should be sufficiently agile to respond to rapid changes in FinTech and, to accomplish this, they should build staff expertise in the FinTech space and continue to improve communication with the private sector, as well as with one another. Innovations in the execution of cross-border transactions may raise issues regarding cross-jurisdictional regulatory compatibility, the report explains. In addition to monitoring developments in FinTech generally, the FSB stresses that authorities should also consider the potential effect of digital currencies on monetary policy and financial stability. Changes in business models and continuing evolution could have an impact on financial stability in ways that cannot be predicted at this stage, the FSB concludes.
          Az e-számla üzleti előnyt hoz használójának – 5 killer érv és infó   
Írtunk már itt a legfrissebb fintech innovációnkról, az autokasszáról, és ugyanennek a pénzügyi folyamatnak egy másik állomásáról, a könyvelői szoftverekkel való integrációnkról. Ha jól figyeltek, láthatjátok: lassan 360 fokos körben összeáll a kép: középen a vállalkozó, körülötte pedig a legértékesebb (és az eszközök alap-jellegzetességeinek hála, többnyire mégis ingyenes) digitális támogató ökoszisztéma. Kiállítod a számlád, beérkezik az összeg, "kipontozza" a számlázó, "magától" lekönyveli a könyvelő. Vállalkozóként tényleg csak a termékedre, szolgáltatásodra, szakmádra kell figyelned. Oké, de milyen számlát állíts ki?
          Iban online españa   
Iban online es una empresa de fintech que ofrece préstamos justos y considerados e invierte su dinero en proyectos empresariales y económicamente sostenibles. Estamos desafiando los modelos comerciales tradicionales.
          Fintech ed health care guidano la crescita cinese   

Bin Shi, Gestore del fondo UBS China Opportunity, non ha dubbi: il Gigante Asiatico offre ancora “forti opportunità"


          Customer Service Representative - Buyatab - Vancouver, BC   
We’re a finTech maverick and officially one of the most popular technology companies in BC. Customer Service Representative (Part-time)....
From Buyatab - Tue, 06 Jun 2017 13:06:33 GMT - View all Vancouver, BC jobs
          Hong Kong launches fintech association   
The independent group aims to be the voice of the financial technology community in the territory
          Senior Java Developer   
Hays IT currently working with a new fintech client based in Geelong, Victoria. With a pioneering …
          ¿Necesita un seguro de viaje? Seguramente ya lleve uno en la cartera   
Aunque gran parte de los españoles pretenden pasar sus vacaciones de verano sin cruzar la frontera, los destinos internacionales siguen teniendo peso. Al salir fuera, hay españoles que optan por contar con el paraguas de un seguro que les cubra la hospitalización, el retraso del equipaje o la cancelación de un vuelo. A pesar de que muchos no lo saben, hay un gran número de ciudadanos que ya están asegurados ante este tipo de contingencias. En España hay millones de seguros en tierra de nadie, cuyos beneficiarios desconocen tenerlos en su cartera. La mayoría están escondidos en nuestras carteras, en forma de tarjetas. Desde el comparador virtual de tarjetas HelpMyCash.com señalan que muchas tarjetas incluyen un seguro de accidentes en el extranjero y una póliza de asistencia gratis que cubre los desplazamientos al extranjero, siempre que los billetes del medio de transporte se hayan abonado con la tarjeta. Pero no solo las tarjetas bancarias pueden incluir este tipo de pólizas, los seguros privados de salud o los carnés jóvenes de las comunidades autónomas también pueden incorporar asistencia gratuita fuera de España. El problema estriba en que la mayoría de los consumidores lo desconocen. Un estudio publicado en 2009 por Adicae revelaba que nueve de cada diez consumidores no conocían las condiciones de estos seguros. Una sensación que comparten en Banco Mediolanum. En las entidad onsideran que los españoles no son conscientes de las pólizas que llevan asociadas sus tarjetas «porque es algo que tradicionalmente la banca nunca ha impulsado, de hecho, no es habitual hacer campañas de este tipo». Según declaran portavoces del banco al comparador HelpMyCash, «las entidades deberían comunicar las coberturas incluidas y, además, ofrecer un abanico de posibilidades para dar un servicio de valor, adaptando la oferta a las necesidades específicas de cada cliente. Esta es una tendencia que irá en aument». Cada tarjeta es un mundo Se trata de un problema de visibilidad. Tampoco ayuda que no haya una estandarización en cuanto a las coberturas y las cuantías cubiertas por estos seguros, lo que obliga al consumidor a informarse en cada banco de las ventajas y las limitaciones de sus tarjetas. «La oferta en este ámbito es muy variada, cada banco aplica su política comercial. Hay bancos que no incluyen cobertura alguna y otros en que estas coberturas son servicios de pago. En nuestro caso, además de que las tarjetas son gratuitas, también llevan una cobertura de asistencia en viajes y un seguro de accidentes», afirman desde Mediolanum. El seguro de accidentes suele cubrir al asegurado en caso de fallecimiento o invalidez absoluta al viajar en un medio de transporte público. Esta póliza es la más habitual y la incorporan multitud de entidades. El seguro de asistencia en viajes es menos común y cubre los gastos médicos en el extranjero, la anulación de un viaje por fallecimiento de un familiar, el retraso y la pérdida del equipaje, el retraso o la cancelación de un vuelo, entr otros. La principal diferencia entre estas pólizas y las disponibles en las aseguradoras o agencias de viaje radica en que los seguros de las tarjetas son genéricos e idénticos para todos los clientes. De aquí se deriva que puedan no ser suficientes para ciudadanos de la tercera edad, personas que viajen durante un largo periodo de tiempo o a destinos de alto riesgo o para vacaciones con prácticas de deportes de aventura. Cuantías máximas Las cantidades cubiertas varían de una tarjeta a otra. En caso de invalidez o fallecimiento, las cuantías se mueven de los 100.000 a los 300.000 euros. Algunas pueden cubrir cifras mucho mayores, por ejemplo la Tarjeta Platinum de American Express incorpora un seguro de accidentes en viaje de hasta 750.000 euros, pero tiene una cuota anual de 690 euros. Sin embargo, no hace falta desembolsar cantidades de tres cifras para disponer de un seguro atractivo. Las tarjetas Oro y Platinum de Bankintercard tienen un seguro de accidentes de 500.000 euros cada una y las tarjetas Oro de WiZink y Visa Classic de Banco Medionanum, de unos 300.000. Y todas ellas son gratuitas. Otras ejemplos sin cuotas serían la tarjeta de crédito de EVO Banco (200.000 euros), la de ING Direct (150.000), la de Openbank (120.000) o la Tarjeta Clásica de EVO Finance (100.000). Otro de las grandes preocupaciones a la hora de viajar son los gastos médicos, especialmente en países como Estados Unidos. Los seguros de asistencia en viajes suelen cubrir los gastos medicoquirúrjicos, de hospitalización e, incluso, farmacéuticos del asegurado durante un viaje, siempre y cuando el problema haya surgido durante la estancia. Las cuantías garantizadas suelen rondar los 18.000 o 22.000 euros, aunque, como en el resto de los casos, las cifras pueden variar considerablemente de una tarjeta a otra. El retraso de equipaje suele indemnizarse con cantidades por debajo de los mil euros y la cantidad final varía en función de los bienes de primera necesidad que haya tenido que adquirir el asegurado y del tiempo durante el cual haya estado sin su equipaje. En caso de pérdida total, las cifras pueden sobrepasar ligeramente los mil euros. El retraso del medio de transporte se indemniza con unos 300 o 400 euros y la cancelación, con una cifra similar. Leer el contrato Quien tiene una tarjeta, tiene un seguro. O es probable que lo tenga. Pero no basta con confirmar que existe. Antes de colgarse la mochila al hombro, es importante leer el contrato y comprender la letra pequeña. Desde el comparador HelpMyCash.com señalan los puntos en los que cualquier viajero debería fijarse: las garantías y las cuantías máximas cubiertas en cada caso, las exclusiones y las franquicias, los períodos cubiertos por la póliza, la forma de actuar en caso de un incidente y cómo notificar al seguro un siniestro , los requisitos necesarios para activar la póliza y el número de personas aseguradas.
          Passing Financial Choice Act Will Help FinTech Innovators   

Earlier this month, the U.S. House of Representatives passed the Financial CHOICE Act along partisan lines with all Democrats present voting against it and all but one Republican voting for it.

The CHOICE Act, as my Competitive Enterprise Institute colleague Iain Murray and I have written previously, repeals or eases burdensome financial regulation harming consumers, investors, and entrepreneurs. Some of what it does, like reining in and changing the structure of the Consumer Financial Protection Bureau (CFPB), represents a strong point of disagreement between the parties.

But as I related in a recent interview with Kimberley Adams of "Marketplace.org," the bill also has many provisions that have garnered bipartisan support.

These provisions include efforts to build on the Jumpstart Our Business Startups (JOBS) Act, which President Obama signed in 2012 to aid startups and lower barriers to investment crowdfunding. The CHOICE Act also helps clear up regulatory uncertainty about peer-to-peer lending.

As Karen Kerrigan, president of the Small Business and Entrepreneurship Council, points out in a letter to the U.S. House urging passage of the bill, "The Financial CHOICE Act includes almost two dozen capital formation bills, many of which have passed the House with large bipartisan votes or by voice vote. These bills zero in on sound reforms that specifically help startups and small businesses access the capital they need to launch, scale, and compete."

The bill also clears barriers in the financial technology sector that is becoming known as FinTech so its innovations can better reach small entrepreneurs and consumers. In my letter to a subcommittee hearing on FinTech by the House Energy and Commerce Committee (that was inserted into the Congressional Record), I point out, "The FinTech, or financial technology, boom, has much in common with the ascent of 'sharing economy' platforms like Uber and Airbnb. Just as these services have vastly improved consumers’ transportation and lodging options, Fintech products can offer more choice and convenience and lower costs to consumers."

Pointing out that "peer-to-peer" and "marketplace" lending have expanded credit options for consumers and small businesses," I also noted that there was new uncertainty for providers of this type of lending due to the court case Madden vs. Midland Funding.

In that case, the Second Circuit Court of Appeals reversed a century of "valid when made" precedent by letting a state apply its interest rate cap to a loan made in another state that was bought by a third party. But, as I relayed to the subcommittee, "the CHOICE Act restores the 'valid when made' doctrine by stating that a loan’s interest rate stays valid regardless of whether the loan is subsequently sold or transferred."

The U.S. Senate should get to work on passing portions of the CHOICE Act, particularly regarding the sharing economy and FinTech. It should also shelve legislation that would harm those sectors.

One example of the latter is a deeply flawed bill from Sens. Charles Grassley, R-Iowa, and Diane Feinstein, D-Calif., that would shove any "issuer, redeemer or cashier" of a "digital currency" into the same anti-money laundering regulations as those that govern the big banks. This bill is called the Combating Money Laundering, Terrorist Financing and Counterfeiting Act of 2017.

There are already many privacy concerns with money laundering rules that effectively force banks to spy on their customers. Congress should fix these problems before weighing down FinTech with the same red tape.

Originally posted to Newsmax.

Experts: 
John Berlau
Date: 
Thursday, June 29, 2017
Source: 
Media appearance type: 

          Is Blockchain Disrupting The Way Startups Raise Funds?   
Startups are now exploring blockchain's use in fintech and startup funding. This month alone, there were around 10 blockchain startups that launched their own cryptocurrency presales to fund their ventures. Block.One has joined the likes of Civic, Status, and TenX to use the Ethereum blockchain net

27 Vote(s)

          JLT Specialty Names Aon’s Schaeffer Senior Vice President in California   
JLT Specialty USA has named Jennifer Schaeffer senior vice president. Schaeffer will be based in Based in San Francisco, Calif. She will focus on business development with specialties in technology, fintech and private equity. Schaeffer has experience in corporate risk …
          5 Principles To Simplify Compliance For Fintech Startups   
Bradley Arant Boult Cummings LLP
          Singapore and Denmark to Collaborate on Fintech Promotion   
none
          Press release distribution, EDGAR filing, XBRL, regulatory filings   

In March 2016 the first tranche of Senior Managers Regime SMR'... )--Fintech startup Straterix emerged from stealth today, after its AI-powered software proved critical in enabling some of the biggest banks in the U.S. to comply with the F... )--IRIA , the global leader in innovative solutions and services for consumer, retail and media companies, today announced a new premium service that will deliver point-of-sal... )--A.M. Best has affirmed the Financial Strength Rating of A- and the Long-Term Issuer Credit Ratings of "a-" for the member companies of St... )--Research and Markets has announced the addition of the "Natural Sausage Casings Market: Global Forecast to 2022" report to their offering.


          Press release distribution, EDGAR filing, XBRL, regulatory filings   

In March 2016 the first tranche of Senior Managers Regime SMR'... )--Fintech startup Straterix emerged from stealth today, after its AI-powered software proved critical in enabling some of the biggest banks in the U.S. to comply with the F... )--IRIA , the global leader in innovative solutions and services for consumer, retail and media companies, today announced a new premium service that will deliver point-of-sal... )--A.M. Best has affirmed the Financial Strength Rating of A- and the Long-Term Issuer Credit Ratings of "a-" for the member companies of St... )--Research and Markets has announced the addition of the "Natural Sausage Casings Market: Global Forecast to 2022" report to their offering.


          Comment on Beware of binary options recovery rooms! by Rachel   
i was created account on Feb17 from fintech.com and it direct me to PlusOption.com. Initially I was deposited USD250,after that one of the broker ALEXFORD ask me put another USD750 in order to get extra bonus of USD1000.she said I can withdraw my initial USD1000 after I get my bonuses.So, I follow what she said since I can withdraw anytime right. Until the next day, she pass me to another broker name BEN, he keep asking me to deposit another USD1000 to get extra bonus of USD1000 too. I immediately reject and said NO and also ask for withdraw since they can't help with this small amount. Then he say will call me again by the next day. Until the next day, he pass me to another broker name LENA again, she also keep pursuade me to top up and top up and promised my account will increase only. Since she talk like this, so I just follow her and put my deposit in total of USD4000. I told her that is all my saving and I can't afford to lost it. She said don't worry, your account would be increase only.after I put USD4000 and get bonus of USD3000, started to follow her signal and majority is a lost trade until my account balance became USD784.40. Since then, I email them but no respond from them. After few days, another broker call BARRY claims that he is from recovery department, also, asking do I have others money to TOP up..Gosh... I said no, I don't have anymore money. Then he said will figure out how to help and will call me by next day. And yes, he did call me but only say still figuring out how to help me and ask me to wait until the next day again. Until the next day, I missed his call and felt that if I answer his call, he will only ask me to Top up again the capital. Hence, I choose not to answer his call anymore but I have email them about no one willing to help me instead of ask to pay more money, So I've decided to file a chargeback from my bank. Unfortunately, it was unsuccessful. What can I do to get back my initial capital or atleast get back my balance of USD784.40?! I realised my account became ZERO after I file a charge back! Pls help... :'(
          Online Produktmanager (m/w) beim FinTech-Startup des Jahres in Berlin // fairr.de   

Wir sind angetreten, die Altersvorsorge in Deutschland zu revolutionieren. Dabei spielt eine gut bedienbare Website eine zentrale Rolle. Du möchtest als Produktmanager diese Rolle in Vollzeit übernehmen? Dann werde Teil unseres Teams in Berlin Prenzlauer-Berg. Zu Deinen Aufgaben zählen Verantwortung der Release-Pipeline unserer Online-Produkte und Aufteilung in Einzel-Tickets Koordination der relevanten Teammitglieder (Design, IT, Content, […]

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


          (Junior) Screendesigner (m/w) beim FinTech-Startup des Jahres in Berlin // Fairr.de GmbH   

Wie wird ein kompliziertes und langweiliges Thema wieder so sexy, dass es die notwendige Aufmerksamkeit bekommt? Indem man es einfacher und schöner macht! Genau das tun wir mit der Altersvorsorge in Deutschland und dafür brauchen wir ein starkes Team! Bist Du dabei? Zu Deinen Aufgaben zählen Gestalterische Weiterentwicklung unserer Website und Landingpages Gestaltung von on-/offline […]

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


          Entrepreneur in Residence // Digitalkasten Internet GmbH   

Digitalkasten ist ein innovatives Startup mit der Mission, die Art des Briefpostverkehrs zu revolutionieren. Mit Deutschlands erfolgreichstem Fintech-Team im Rücken, bauen wir ein skalierbares Geschäftsmodell und expandieren schnell. Unser Team und dessen Aufgaben wachsen stetig. Daher suchen wir einen Entrepreneur in Residence, der ab dem ersten Tage voll dabei ist und Teil unsere Mission wird! […]

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


          Kina dhe India lider në FinTech   

Ritmi i adoptimit të FinTech ndryshon nga njëri vend tek tjetri. Sipas firmës së shërbimeve profesionale EY e cila ka realizuar një hulutim në këtë industri, Kina është vendi më i avancuar me numrin më të lartë të popullsisë e cila përdor shërbimet FinTech. Në tërësi kjo figurë qëndron në 69% të popullsisë. Nëse flasim […]

The post Kina dhe India lider në FinTech appeared first on CIO Albania.


          5 things Trump did while you weren't looking: Week 4 - Politico   

Politico

5 things Trump did while you weren't looking: Week 4
Politico
It was “Energy Week” in Washington—but you'd be forgiven for not noticing. The Supreme Court announced a series of major decisions on Monday, slightly easing the injunction on President Donald Trump's travel ban and taking up a big gerrymandering ...
Trump's Labor Department wants salary level to determine whether workers receive overtimeLos Angeles Times
New Fiduciary Rule Complicates Matters For Self-Directed IRA Private Fund InvestorsForbes
The best way for retirement-plan sponsors to hire a fiduciaryMarketWatch
CNNMoney -Pensions & Investments -The National Law Review -Nation's Restaurant News
all 51 news articles »

          First student research fair at Luxembourg University   

Marc Hansen, Minister Delegate for Higher Education and Research, officially inaugurated the event by emphasizing his support and eagerness for the creation and development of this sort of student driven event at the University of Luxembourg.

Then, Bert Boerman, CEO and Co-Founder of Governance.io, shared his viewpoint regarding the development of FinTech in Luxembourg while Pranjul Shah, Business Development and Innovation Expert at the University of Luxembourg, highlighted the entrepreneurial mindset of today's students and his proposal for a future incubator.

In parallel, attendees had the opportunity to visit 15 different booths run by students to showcase their ongoing research, semestrial coursework and case studies, accreditation projects, or entrepreneurship initiatives to the university community. EURAXESS was also present to give information about their pan-European initiative to deliver information and support services to professional researchers.

Minister Marc Hansen, Vice-President for academic affairs Romain Martin with speakers Bert Boerman and Pranjul Shahall toured each booth allowing students to present their research and answer further questions.

The event was concluded with the award ceremony for three projects, recognized in the categories of Best Overall Project, Most Creative Presentation, and Best Poster:

  • Best Overall Project: PhD student Patrick Glauner for his PhD project "Detecting Electricity Theft using Artificial Intelligence" 
  • Most Creative Presentation: Master student Agusmia Putri Haerani & Bachelor Student Nelson Dumas for their entrepreneurial initiative "CINDO - Indonesian Culinary Diplomacy Project in Luxembourg" 
  • Best Poster Award: Phd student Qixia Yuan for his thesis work on computational methods for analysing large biological networks

As main organisers of this first edition, JELux Team gave its feedback: “Our event was a great success! It was a good start for the first research fair of many to come “. A second edition is already planned for 2018.

More information: https://bridgingthegap.uni.lu  

(c) Tom Smith (tsmith.eu)


           BBVA busca emprendedores fintech en Colombia hasta el 3 de julio    

          (USA-FL-Tampa) Vice President-Workplace Designer/Planner-Corporate Real Estate   
+ **Primary Location:** United States,Florida,Tampa + **Education:** Bachelor's Degree + **Job Function:** Operations + **Schedule:** Full-time + **Shift:** Day Job + **Employee Status:** Regular + **Travel Time:** Yes, 25 % of the Time + **Job ID:** 17046943 **Description** **Job Summary** Under the direction of the Global Real Estate Design and Planning Manager, Senior Workplace Designer will be involved in managing incoming and outgoing drawings of the contracted third party vendors and product suppliers, assisting with the development and preparation of scheme designs, detail specific project requirements and contribute to the successful implementation of alternative and agile workplace strategies. This individual will support the creative development of clear and consistent design strategies for the successful execution and delivery of design projects. In this role he/she will provide support to the development of new workplace strategies, gather projected headcount forecasting, analyze data, and propose space strategies. Other responsibilities include evaluating current and proposed workplace strategies, coordinating with internal partners to ensure that workplace solutions address changing business demands and align with workplace design and standards. **Job Description** **:** Responsibilities: + Acts as the primary contact and project design lead on corporate projects to ensure timely and successful implementation of space & occupancy planning initiatives that are compliant with global corporate guidelines. + Develops preliminary design concepts, defines program requirements and recommended work settings in combination with strategic portfolio and space analytics. Provides recommendations specific to furniture, technologies and other infrastructure as it relates to alternative workplace strategies in place. + Assists with the implementation of alternative and agile workplace strategies in alignment with corporate and business unit objectives including integrating and managing workplace outcomes with business and financial targets. Establishing integrated workplace requirements, including supporting the sustainable delivery of change for the business. + Maintains end to end Workplace Design Standards control to ensure guidelines are implemented to specifications, space efficiency, level of quality, costs and design intent. + Develops and implements a change management strategy that supports the Global Workplace Design Guidelines + Establishes design related requirements for completed projects to document the project history and creates a database for design related information + Manages and provides design support and guidance to project management by interfacing with the external design team to address and communicate design related issues + Drives value engineering exercises to continuously improve Standards and mitigate unnecessary costs + Identifies and validates existing organizational requirements and work space needs including utilization, growth forecasting, specialized requirements, head and seat counts and employee requirements at the business and employee level. + Measures and analyzes workplace effectiveness through discussion, site observation, space utilization and benchmarking studies. Identifies work styles, employee and space barriers to productivity and overall attitude towards change. + Develops and facilitates client workshops / visioning sessions at the local level and assists with the information sharing at the regional and portfolio levels to be incorporated into multiple location strategies. + Assists in developing site-specific Planning Strategies with Senior Leadership. + Conducts space layout (test fits, use of space guidelines, office eligibility) and compliance reviews. + Supports the execution of migration planning activity which include, but are not limited to the development of migration and phasing plans, stack and block plans, test-fits and collection and analysis of data related to the user requirements. + Benchmarks specific metrics to gauge variations/deviations in cost, quantity, efficiency, and productivity across the corporate portfolio. + Keeps up to date with emerging trends and insights with regards to workplace strategy, design and best practices. + Leads milestone meetings with internal / external team members and project stakeholders. + Produce metrics to align corporate planning with goals + Incorporate sustainability strategy and green building best practices into design and construction projects + Support the development of dashboard reporting, executive summaries, and monitor progress against plan + Perform other duties, as assigned. **Qualifications** Qualifications: + Bachelor’s degree in Interior Design or Architecture from an accredited school. Graduate degree in related fields such as Facility Management, Facility/Space Planning, Real Estate or related field is preferred + Must be able to demonstrate at least 10 years of direct experience in commercial architecture, interior design, workplace planning and programming, building construction, life safety and building codes and migration management; 2-3 years of global corporate real estate and/or financial services experience preferred + Applied knowledge of alternative and agile workplace strategies and concepts, with the ability to communicate how business needs are changing and how people, places and technologies drive change within the workplace. Experience with Fintech focused agile space solutions preferred. + Knowledge in programming, project planning and design at the regional and global levels with the ability to create effective solutions meeting universal design and building code requirements while incorporating workplace strategies and sustainable design principles and practices. + Knowledge of the construction industry best practices and standard procedures, building infrastructure and its affect from a planning perspective. + Understanding of facilities management considerations + Strong understanding of system furniture and components + Excellent working knowledge of the commercial furniture industry and related supply chain. + Excellent knowledge of and skills in utilizing AutoCAD software. Additional knowledge of Revit, Sketch-up, Visio, InDesign is preferred + Proficiency in Microsoft Office products (Word, Excel, PowerPoint and Project) and industry standard project management tools + Ability to comfortably interface with all levels of management and to work on multiple projects simultaneously in a fast paced environment + Excellent oral and written presentation skills + Strong leadership and relationship management skills. + Excels at problem solving with excellent analytical, interpersonal and communication skills. + Process orientated and capacity to assess and shift priorities as required in order to ensure deadlines are met. + Understanding of CAFM/IWMS software + Licenses and/or Professional Accreditation + LEED AP, WELL AP, Prosci, IFMA SFP and / or CoreNet MCR designation is preferred
          FinTech Blogger - Upwork   
We are looking for a seasoned writer to write high-quality blog posts on topics like: Wallets, bitcoin, blockchain, domestic/international remittance, e-payments,  agency/branchless banking management, bitcoin remittance, merchant payments and loans.


Posted On: July 01, 2017 05:51 UTC
Category: Writing > Article & Blog Writing
Skills: Bitcoin, Copywriting, Real Estate Management, SEO Writing, Content Management
Country: United Kingdom
click to apply
          FinTech「米国がフィンテックが流行ってきた背景のひとつに、ミレニアル世代の存在があります。上品な言い方をすれば草食系、下品な言い方をすればドケチな人たち」フィンテックは”貧テック”? https://t.co/yf1OWUXavL   
none
          「Fintech(英: financial technology)とは、「finance(ファイナンス)」と「technology(テクノロジー)」を掛け合わせた造語であり、ファイナンス・テクノロジーの略」フィンテック https://t.co/e2UHFAsiOa   
none
          Thai fintech startup Digio secures Series A funding from InVent   
Digio (Thailand) Co Ltd., an e-wallet technology startup based in Bangkok has raised an undisclosed Series A funding from InVent, a venture capital arm of Intouch Holdings Pcl. Digio will become the first fintech startup among the company’s investment portfolio, which counts 11 startups in total. Together with Digio, the startups aim to tap into ...
          Finnovista Pitch Day volvió a congregar a más de 200 miembros de la comunidad Fintech   
Finnovista Pitch Day Madrid lo consiguió de nuevo: volvió a reunir al mejor talento Fintech español en una tarde donde pudimos comprobar que el ecosistema Fintech de nuestro país se encuentra en plena crecimiento, con la aparición de proyectos cada vez más innovadores y una oferta de servicios financieros alternativa a la ofrecida por la…
          PROMOTOR DE CREDITOS MEJORAVIT- IMSS - Broxel Fintech - Playa del Carmen, QRoo.   
*Innovamos con tecnología financiera para revolucionar los medios de pago, basadas en tecnología financiera, con el objetivo de crear ecosistemas financieros $7,000 al mes
De Indeed - Tue, 30 May 2017 23:18:05 GMT - Ver todos los empleos en Playa del Carmen, QRoo.
          Digital financial inclusion: what works and what’s next    


Over one billion women in the world do not have access to financial services. Having access to a transaction account is a first step for financial freedom and for women to take charge of their lives. 

Women are an underutilized resource in development. Not having access prevents women from having an equal footing in society. Financial inclusion can unleash enormous potential for economic development.

The World Bank’s World Development Report on gender estimated income losses due to women being excluded from the world of work at 10%-37% of GDP across all regions. Research by the World Bank Group, the IMF, the OECD, and private sector studies show that billions can be added to global GDP by advancing women's equality. 

Digital technologies are extending access to finance to millions of people, including women. This is incredibly exciting and the world is placing high stakes on digital technologies as a principal way to bring the 2 billion unbanked adults into the formal and regulated financial system.

It’s much easier today to save, make payments, access credit, and obtain insurance, all of which helps people manage day-to-day expenses, make long-term plans and handle unexpected emergencies.

In 2016, the G20 issued a report led by the World Bank Group and the People’s Bank of China – the High Level Principles for Digital Financial Inclusion - which provided eight recommendations for countries to encourage financial inclusion through digital technologies. A few weeks ago, the G20 finance ministers endorsed a follow-up report which profiles what countries have done in line with these recommendations.

Countries are taking different approaches. For example, Brazil, Mexico and Turkey have been digitizing government-to-person payments (salaries, welfare, etc.), while India has invested heavily in building critical digital infrastructure, including creating national digital IDs.

To mitigate the risk of expanded digital access, Ghana, for example, is piloting new ways for insurance providers to include mobile phones.

Likewise, countries are adjusting their legal and regulatory frameworks while ensuring a fair and just level-playing field. They are also increasingly employing tiered-regulation and customer-due-diligence approaches to promote financial inclusion, while conforming to anti-money laundering/combatting-terrorism financing requirements.  China, Mexico and Tanzania are such examples.

The speed and breadth of innovation in digital financial technologies is fascinating. But these new possibilities create new expectations.

Essentially, countries must be nimble and be able to adapt quickly to keep up with this rapid pace of change to leverage technology for the greater good.  

Governments must lead the way. They must create space and give the industry a green light to innovate.  They also need to coordinate across relevant agencies, including social welfare agencies that interact with people not in the formal financial system.

At the same time, regulators need to acquire better digital tools and look for new ways to foster fintech innovation, from pilot programs to greater collaboration with the industry.  Also, big data requires more sophisticated and automated systems that can provide real-time monitoring and analysis of financial activities.

Governments also must promote interoperable open technology systems that work with one another so that everyone can participate in the financial digital technology regardless of what particular phone or service they use.

Most importantly, governments must prioritize the creation of national digital IDs, while addressing legitimate privacy and data security concerns.

The World Bank Group already works with national authorities to help them develop the regulatory framework which addresses opportunities and risks created by fintech  in line with global standard-setting guidelines on payments and financial inclusion.

Developing countries profiled in this report are among the 25 countries where over 70% of the unbanked people live. They have been identified as priority countries in the World Bank Group’s Universal Financial Access 2020 initiative, whose goal is to provide financial access to adults currently left out of the formal financial system. If these countries make great strides toward digital financial inclusion, the world will be so much closer to reaching this goal.


          Top 20 States for Home Renovations   

One of the many advantages of owning a home is the ability to add—and recoup—value. A recent study by Hearth, a FinTech startup, ranked the states with the most homeowners planning to renovate in 2017, with the top 20 states mostly concentrated in the East, Midwest and West: Hawaii Kansas Montana Rhode Island New Hampshire […]

The post Top 20 States for Home Renovations appeared first on RISMedia.


          Middleware Engineer Continuous Delivery - ING - Noord-Holland   
ING is transforming rapidly towards a top notch IT company with a Top Engineering culture, incorporating FinTech start-up mentality and financial innovation....
Van ING - Fri, 30 Jun 2017 14:13:56 GMT - Toon alle vacatures in Noord-Holland
          DevOps Engineer Distributed Data (Cassandra) - ING - Noord-Holland   
ING is transforming rapidly towards a top notch IT company with a Top Engineering culture, incorporating FinTech start-up mentality and financial innovation....
Van ING - Fri, 23 Jun 2017 14:06:55 GMT - Toon alle vacatures in Noord-Holland
          Full Stack Heroes - ING - Noord-Holland   
ING is transforming rapidly towards a top notch IT company with a Top Engineering culture, incorporating FinTech start-up mentality and financial innovation....
Van ING - Wed, 14 Jun 2017 07:58:22 GMT - Toon alle vacatures in Noord-Holland
          European FinTech Innovators Are Prospering From Making The Euro Obsolete   
European FinTech innovators are prospering by solving many of the problems that motivated creation of the Euro, and Europe is struggling with an debt crisis which the Euro helped create. FinTech may eventually make the Euro obsolete.
          Pure Fake News (PFN) from Investopedia “IMF Urges Banks to Invest In Cryptocurrencies”   

An article from Investopedia recently caught my attention: “IMF Urges Banks to Invest In Cryptocurrencies

The opening sentence of the article states: “A June 2017 staff discussion note from the International Monetary Fund (IMF) suggests that banks should consider investing in cryptocurrencies more seriously than they have in the past.”

Let’s investigate the claim.
(more…)


          The Pillar project and the upcoming PLR token sale   

@davids wrote:

Dear genomers,

We're getting ready for a big ICO in summer. It's a big project. We want it to be successful. I am looking for anyone who will read our white paper and give feedback. Please send your email to me and I'll send you an invitation: david@2030.io

Thanks,

David

Posts: 3

Participants: 2

Read full topic


          Fiduciary rule sparks adviser demand for fintech products   
The partial implementation of the Labor Department's fiduciary rule on June 9 has led to a surge in advisory firms' demand fo -More

          How AI enabled financial services and fintech are taking jobs   

In 2017, Artificial Intelligence (AI) has been the business technology generating the most buzz, expectation and hype. It is also spawning many doom-laden predictions, e.g. it could be society’s last big invention, bringing about the end of jobs as we know them in industries such as financial services. The truth is that we are at

The post How AI enabled financial services and fintech are taking jobs appeared first on Small Business.


          中国で初めてオープンソースブロックチェーンプラットフォームを発展させたAntsharesがNEOに社名変更。新スマートエコノミーを開始[FISCO]   
中国で初めてオープンソースブロックチェーンプラットフォームを発展させたAntsharesがNEOに社名変更。新スマートエコノミーを開始[FISCO]


・中国のイーサリアムと呼ばれることもあるAntsharesがNEOへと社名を変更。
・中国のブロックチェーンの未来についてロードマップを広げる。

・木曜日、マイクロソフトの北京本社に200名の参加者が集まり、中国で初めてオープンソースブロックチェーンプラットフォームを発展させたAntsharesはブロックチェーンへのソリューションのリブランディングを完了させたことを発表するとともに、今後の発展計画の詳細についても発表した。
・公表内容の一つはプラットフォームとブランドの新名称NEOの発表であり、ギリシャで新しさ、珍しさ、若さを意味する。

・彼らの高度なスマートコントラクトコードの強みは商業の分散化、デジタルアイデンティティ、そして数々の異なる資産のデジタル化である。
・Antsharesのリブランディングはこれからの中国のブロックチェーンコミュニティーの新たな方向性を表している。

・現在、ANSの持ち主はAntshareのウォレットの中に、プラットフォームのガソリン的役割を補うAntcoin(ANS)を自動的に生産することが可能である。
・しかし2017年の第三四半期にANS資産のシンボルはNEOとなる。

・同時にNEOは新しいクライアントとNEOブランドの新たなUIに着手している。
・当日はマイクロソフト代表者やNEO独自のプラットフォームの開発者、提携企業のプラットフォームの開発者などの参加者による数々のプレゼンテーションが行われた。

・厳選された参加者の中には将来の投資家や専門家、ブロックチェーンの熱心な支持者、さらに、中国の主要メディアや金融メディアなどがみられた。
・プレゼンテーションの発表者たちは以下のとおりである。

□DaHongfei,NEO創業者NEOの新たなブランドと戦略を発表した後、DaHongfei氏は全ての資産がデジタル化されてスマートコントラクトによってプログラミングが可能になるブロックチェーン技術の将来性について説いた。
・データの透明性と開示を呼びかけ、「スマートエコノミー」という新しいコンセプトと新たなスマートコントラクトシステムを紹介した。

・また、彼は相互運用性のための新たなマルチチェーンのプロトコルに取り組んでいることを発表した。
・会議でのDaHongfeiの発表内容は以下のとおりである。

•NEOは中国の認証局と協力して、スマートコントラクトを利用し現実世界の資産を位置づける
•NEOはクロスチェーン分散相互運用性の特許を取得した
•NEOの新しいパートナーはスタートアップ企業のBancor、Agrello、Coindash、NestFund、Binanceなどを含み、詳細はこのプレゼンの後に発表される。

□ErickZhang,NEO開発者の中心人物ErickZhangはプレゼンの中でスマートコントラクト2.0のこれまでの進歩について発表し、NEOとEthereumの主な違いについて説明した。
・一番の違いはプログラミング言語にある。

・Ethereumの開発者はSolidityのプログラミング方法を学ばなければならないのに対し、NEOはコンパイラーを通すことでほぼすべてのプログラミング言語に対応している。
・Microsoft.netやJava、Kotln、Go、Pythonなどが使用可能であり、スマートコントラクトを書く開発者にとって難易度がとても低い。

・プログラミング言語を包括的にすることで、数多くの開発者を魅了することが望まれている。
・ZhangはNEOバーチャルマシン、実行エンジン、相互運用性の構造についても説明した。
・NEOバーチャルマシーンの資料

□TonyTao氏,NEOのCEOでありNestFundの創設者Etherumのブロックチェーンベースの投資ファンドであるDAOのコンセプトに基づく、似たような事業のホワイトペーパーをTonyTaoは提出する間近であるという。
・NEOのブロックチェーン上に造られたNestFundと呼ばれるファンドはDAOの失敗を改善するものである。
・バグを発見したハッカーに報酬を支払うことによりNestは世界中から監視され、非中央的投資による通貨を発行する。

□SrikanthRaju,中国マイクロソフト、ディベロッパーエクスぺリエンス部門エバンジェリズム部門ジェネラルマネージャーRaju氏によるとブロックチェーン技術は、たくさんの分野にて伝統的なビジネスの体制や仲介者たちを取り除くことにより、私たちをデジタル新時代へと導くことになるという。
・Onchain(NEOを産んだ会社)は中国のスタートアップのトップ50の中で最も優れている会社の一つであり、彼はこれからの事業を支持することを表明した。

□Mr.HanFeng、TsinghuaUniversity,I-Centerイノベーションとアントレプレナーシップを促進する中国のトップ大学の一つであるTsinghuaUniversityのI-Centerは大規模なテクノロジーの統合に力を入れている。
・大学の最近の興味がブロックチェーン技術への支持であることを表明し、Mr.HanFengは現在の商業システムが時代遅れで安全でないことを指摘し、インターネットはブロックチェーンを基にしたオペレーティングシステムにアップグレード可能であると語った。

・ブロックチェーンベースの全自動非中央集権型経済の必要性を訴え、数年のうちにデジタル革命の到来が期待できると語る。
・この革命はデジタル通貨、非中央集権型ストレージ、安全なスマートコントラクトコード、Iot、AIなどのイノベーションを含む。

□ChenChengQiang、Innospace創業者兼CEO上海に位置するInnospaceはオフィス空間、ミーティングスペース、カフェや生活空間を持つインキュベーション事業を取り扱う企業である。
・本日の会議でInnospaceのCEOであるChenChengQiangは2億元(29.3百万ドル)のNEOブロックチェーンチームとの共同事業へのインキュベーション基金を発表した。

・その基金の計画はワーキングスペースを組み合わせた上海の新しいブロックチェーン空間の設立、スタートアップのインキュベーションとその促進サービスを含む。
・Qiang氏によると、彼の会社は中国で最高の起業促進サービスの提供することを計画しているという。

□AlexNorta、Agrello創業者エストニアから参加したAlexNorta。スタートアップ企業であるAgrelloとNEOはスマートコントラクトの自動化、自動実行、正確性と透明性の向上のための提携を発表した。
・AIを活用したAgrelloはプログラマーでない人々がブロックチェーン上のスマートコントラクトを合法的に取得するためのプラットフォームとなる。
・Agrelloの技術の使用法としては、多国籍企業の賃貸や共有、フリーランス契約、生産フローの組織化、管理コストの削減などがある。

□AdamEfrima、Coindash COO上海とイスラエルにオフィスを置くCoindashはデジタル通貨の投資家のためのポートフォリオマネジメントツールを提供する仮想通貨のソーシャルトレーディングプラットフォームになるであろう。
・このプラットフォームの特徴として、ポートフォリオの統計やマネジメントツール、投資の自動化、ICOのダッシュボード、他の投資家たちの投資戦略の洞察が可能である。
・NEOの開発者によるブロックチェーンベースのスマートファンドNestFundの発達に伴い、Nestの投資家たちへのアドバイスや予測を行うツールをCoindashは提供する。

□ZhaoChangPeng、Binance CEOOkCoinの前CTOであるZhaoChangPeng氏はPoloniexのようなプラットフォームとの競合を期待しデジタル資産換金所のBinanceを始める。
・この新たなプラットフォームは、中国の規制を回避するためcoin-to-coinの取引のみを扱う。
・成熟したデジタル資産の水準を保つためBinanceは厳格な独自規定を通過したコインのみを扱うという。

・今年度下半期のローンチの計画に合わせ扱われる通貨はビットコイン、イーサ、NEOを予定している。
・今回のイベントの活発な雰囲気からNEOの将来へ向けた力強い推進力を感じた。

・彼らは中国最高峰のブロックチェーン開発チームと今後必要になるであろう資金を5000万ANS(3億2500万ドル)を所有しているだけでなく、将来性のある数々のパートナーも味方につけている。
・イーサリアムからスポットライトを奪い取るには時間が必要なのは確かだが、数ヶ月中にこのプラットフォームの更なる躍進を目撃することになるだろう。(出典:BitcoinMagazine)

■エムトレの視点Blockchainや仮想通貨(暗号通貨)技術において、注目しなくてはならないのが当然中国だ。
・ITやFintechにおいても世界の潮流であるシリコンバレーを尻目に、独自技術やサービスを展開してきた。
・誰もが知る、いわゆるBAT(Baidu,Alibaba,Tencent)を見ればわかるだろう。

・そのサービスは多くが中国向けではあるものの非常に大きく、技術的にも非常に優れている。
・そのような中で、NEOのようなサービスは有望だろう。

・プログラミング言語についても、コンパイラーの性能にもよるが、多くの言語をサポートしているところは見逃せない。
・NEOを始めとする多くのBlockchainサービス企業が中国で誕生し、世界を席巻する日は遠い未来ではない。【ニュース提供・エムトレ】

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          Federal Circuit finds credit reporting patent ineligible; calls it the “height of abstraction”   
A recent Federal Circuit decision illustrates the high eligibility hurdles that fintech software patents continue to face in view of the Supreme Court’s 2014 Alice v CLS Bank decision. In Clarilogic, Inc. v. FormFree Holdings Corp. (Fed. Cir. Mar. 15, 2017), the … Continue reading
          Controller/CFO   
NY-Manhattan, Controller - FinTech Work-life Balance Backed by Major Hedge Fund A rapidly growing FinTech firm is seeking a Controller with a clear path to CFO. The company offers an entrepreneurial and fun environment with substantial growth potential. Responsibilities: Prepare monthly financial statements for executive and Board review. Establish and maintain systems and controls that verify the integrity of
          Controller/CFO   
NY-Manhattan, Controller - FinTech Work-life Balance Backed by Major Hedge Fund A rapidly growing FinTech firm is seeking a Controller with a clear path to CFO. The company offers an entrepreneurial and fun environment with substantial growth potential. Responsibilities: Prepare monthly financial statements for executive and Board review. Establish and maintain systems and controls that verify the integrity of
          PR: ハイトランザクション性能/信頼性/可用性が求められるビットコイン取引所とブロックチェーン型DBをMicrosoft Azureで実現   

最新のITで金融サービスを変革する「Fintech(金融IT)」――。トランザクションが膨大で、処理量が短期間に変動することも多いので、そのための基盤としてクラウドが活用されるケースも増えてきている。このFintechサービスをMicrosoft Azureの上で提供しているのが、国内最大のビットコイン取引所を運営するbitFlyerだ。ブロックチェーン型データベース「miyabi」の提供も2017年内に本格化する予定だ。


          Consultants: Fintech Drives New M&A Trends   
Insurance companies are seeking partnerships and mergers and acquisitions to digitally transform their business operations, according to a report by Willis Towers Watson. “Insurers are embracing ...
          PROMOTOR DE CREDITOS MEJORAVIT- IMSS - Broxel Fintech - Playa del Carmen, QRoo.   
*Innovamos con tecnología financiera para revolucionar los medios de pago, basadas en tecnología financiera, con el objetivo de crear ecosistemas financieros $7,000 al mes
De Indeed - Tue, 30 May 2017 23:18:05 GMT - Ver todos los empleos en Playa del Carmen, QRoo.
          Investors are preparing to give fintech app Revolut A 50 million even though it's bleeding money   

Fast-growing fintech app Revolut is close to sealing a A 50 million funding round that will value the nascent company at A 300 million, Sky News reports . London VC Index Ventures, already an investor in Revolut, is leading the round, Sky says.


          Az e-számla üzleti előnyt hoz használójának – 5 killer érv és infó   
Írtunk már itt a legfrissebb fintech innovációnkról, az autokasszáról, és ugyanennek a pénzügyi folyamatnak egy másik állomásáról, a könyvelői szoftverekkel való integrációnkról. Ha jól figyeltek, láthatjátok: lassan 360 fokos körben összeáll a kép: középen a vállalkozó, körülötte pedig a legértékesebb (és az eszközök alap-jellegzetességeinek hála, többnyire mégis ingyenes) digitális támogató ökoszisztéma. Kiállítod a számlád, beérkezik az összeg, "kipontozza" a számlázó, "magától" lekönyveli a könyvelő. Vállalkozóként tényleg csak a termékedre, szolgáltatásodra, szakmádra kell figyelned. Oké, de milyen számlát állíts ki?
          Nova energija: Uskoro počinje drugi Data Challenge Hackathon   
Drugi FinTech hackathon organizuju Societe Generale Srbija, ICT Hub i 30Hills uz podršku kompanije CUBE. Hackathon je prilika za sve koji žele da u roku od 48 sati sa svojim timom pokušaju da kreiraju inovativno softversko rešenje, u vidu web ili mobilne aplikacije, i tako odgovore na neku od [...]
          (USA-WA-Olympia) Senior Consultant, B2B Payments Strategy, West Coast   
The GCP US Large Market (LM) Client Group manages strategic corporate payment relationships for numerous multi-national organizations and also acquires new customers with revenue over $300M. This individual will be responsible for owning a portfolio of complex, high profile sales opportunities. He or she will primarily partner with Client Management and Business Development to develop and execute winning strategies for accelerating revenue. The candidate must have deep knowledge of corporate payments, particularly the relevant challenges being addressed by our client stakeholders i.e. Procurement, AP, Finance and Treasury. This candidate should possess expert knowledge of the various payment solutions employed by our middle market, enterprise and global customers and be adept at demonstrating the value of American Express solutions. Innovation mindset and a desire to drive change are imperative because he or she will be asked to represent the LM voice of customer in various partner initiatives, process optimization projects, as well as content and competitive intelligence. This team player will be accountable for developing and maintaining senior level relationships across strategic business partner functions (i.e. Global Merchant Services, Risk, Pricing, Field Enablement, Marketing and Product) as cross functional collaboration is a cornerstone of this group. Responsibilities: * Leverage industry expertise and known best practices to expand and cross-sell B2B charge volume growth opportunities * Act as B2B knowledge champion for the LM organization * Analyze complex customer AP data sets and provide insights to understand and prioritize B2B opportunities * Drive the strategy for client meetings and discussions * Influence leadership to be agile with decision making and escalation as needed * Employ Challenger Selling Model with clients--teaching, problem-solving, and tailoring sophisticated B2B solutions to meet stated objectives * Support the innovation and delivery of next generation products and capabilities via engagement with key partners * Seeking candidates with prior strategy or management consulting experience with client facing B2B payments sales expertise required. Ideal skill set includes the following: * Proven history of exceeding sales quota * Strong track record of identifying and closing complex B2B deals * Complex pipeline management and ownership across a wide range of opportunities in various sales stages * Ability to set annual forecasts and report to senior leadership on plan vs actuals * Highly developed core consulting skills * Ability to effectively communicate with C-level, Procurement, Finance and Treasury stakeholders * Strong business background and financial acumen * Proven project management skills to drive enterprise level engagements * Understanding of the B2B payments value chain from all aspects (Amex, Buyer and Supplier) * Creative problem solving to challenge status quo and drive progressive change management * Strong interpersonal skills to create followership and inspire innovation * Experience navigating long sales cycles particularly complex and iterative negotiations * Work experience in Mgt. Consulting, FinTech, Corporate Payments, Merchant Services, Procure to Pay, Source to Settle, ERP integration, Supply Chain, Trade Finance, Procurement, Finance, Treasury, AP or Business Development strongly preferred Location: Los Angeles or San Francisco preferred, Western United States required Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job** *Sales* **Title:** *Senior Consultant, B2B Payments Strategy, West Coast* **Location:** *AL-Montgomery* **Requisition ID:** *17008137*
          InVent takes stake in fintech Digio   
InVent, a venture capital arm of SET-listed Intouch Holdings, has invested in a fintech startup, Digio, to boost the fast-growing e-payment market.
          (USA-AR-Little Rock) Senior Consultant, B2B Payments Strategy, West Coast   
The GCP US Large Market (LM) Client Group manages strategic corporate payment relationships for numerous multi-national organizations and also acquires new customers with revenue over $300M. This individual will be responsible for owning a portfolio of complex, high profile sales opportunities. He or she will primarily partner with Client Management and Business Development to develop and execute winning strategies for accelerating revenue. The candidate must have deep knowledge of corporate payments, particularly the relevant challenges being addressed by our client stakeholders i.e. Procurement, AP, Finance and Treasury. This candidate should possess expert knowledge of the various payment solutions employed by our middle market, enterprise and global customers and be adept at demonstrating the value of American Express solutions. Innovation mindset and a desire to drive change are imperative because he or she will be asked to represent the LM voice of customer in various partner initiatives, process optimization projects, as well as content and competitive intelligence. This team player will be accountable for developing and maintaining senior level relationships across strategic business partner functions (i.e. Global Merchant Services, Risk, Pricing, Field Enablement, Marketing and Product) as cross functional collaboration is a cornerstone of this group. Responsibilities: * Leverage industry expertise and known best practices to expand and cross-sell B2B charge volume growth opportunities * Act as B2B knowledge champion for the LM organization * Analyze complex customer AP data sets and provide insights to understand and prioritize B2B opportunities * Drive the strategy for client meetings and discussions * Influence leadership to be agile with decision making and escalation as needed * Employ Challenger Selling Model with clients--teaching, problem-solving, and tailoring sophisticated B2B solutions to meet stated objectives * Support the innovation and delivery of next generation products and capabilities via engagement with key partners * Seeking candidates with prior strategy or management consulting experience with client facing B2B payments sales expertise required. Ideal skill set includes the following: * Proven history of exceeding sales quota * Strong track record of identifying and closing complex B2B deals * Complex pipeline management and ownership across a wide range of opportunities in various sales stages * Ability to set annual forecasts and report to senior leadership on plan vs actuals * Highly developed core consulting skills * Ability to effectively communicate with C-level, Procurement, Finance and Treasury stakeholders * Strong business background and financial acumen * Proven project management skills to drive enterprise level engagements * Understanding of the B2B payments value chain from all aspects (Amex, Buyer and Supplier) * Creative problem solving to challenge status quo and drive progressive change management * Strong interpersonal skills to create followership and inspire innovation * Experience navigating long sales cycles particularly complex and iterative negotiations * Work experience in Mgt. Consulting, FinTech, Corporate Payments, Merchant Services, Procure to Pay, Source to Settle, ERP integration, Supply Chain, Trade Finance, Procurement, Finance, Treasury, AP or Business Development strongly preferred Location: Los Angeles or San Francisco preferred, Western United States required Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job** *Sales* **Title:** *Senior Consultant, B2B Payments Strategy, West Coast* **Location:** *AL-Montgomery* **Requisition ID:** *17008137*
          Il progetto europeo per portare blockchain alle Pmi   
blockchain

Blockchain è una tecnologia che può portare vantaggi in molti settori. Al momento però le sue applicazioni sono essenzialmente in campo finanziario e in pochi altri, a opera poi di grandi aziende che abbiano le capacità di investimento e le competenze necessarie per portare avanti progetti complessi e che vedono presenti vari attori. Il risultato è che le aziende di dimensioni medio-piccole e che non operano in ambito finanziario o fintech sono di fatto escluse dalla potenziale rivoluzione blockchain.

Proprio partendo da questa constatazione la Commissione Europea, per la precisione il suo Joint Research Centre (JRC), ha dato vita a un progetto per esplorare le possibili applicazioni di blockchain fuori dal campo finanziario. Battezzato #Blockchain4EU (con tanto di hashtag), è un progetto a medio termine che durerà fino a febbraio 2018 e comprenderà in generale tutte le tecnologie a ledger distribuiti.

Il progetto punta esplicitamente alle applicazioni industriali e commerciali, spaziando dal monitoraggio degli asset alla gestione della supply chain sino al controllo dei diritti di proprietà intellettuale e ai sistemi di identificazione. Non dovrebbe nelle intenzioni portare allo sviluppo di soluzioni specifiche ma alla definizione di possibili scenari per l’implementazione generica della tecnologia, con un’attenzione speciale alle piccole-medie imprese per la loro competitività.

Più in dettaglio, il JRC si è posto tre obiettivi principali, a partire dalla volontà di mappare e analizzare applicazioni “esistenti, emergenti o potenziali” di blockchain e di altri sistemi a ledger distribuiti nei vari settori di mercato. Gli altri due obiettivi sono l’esplorazione di futuri scenari di produzione, distribuzione e uso di blockchain e l’identificazione di eventuali azioni normative legate alle applicazioni in campo business e manufacturing.

In questo senso il JRC sottolinea che “è cruciale comprendere quali azioni potranno essere o saranno necessarie per prepararsi alle potenziali trasformazioni e i possibili problemi che queste porteranno agli attuali e futuri scenari socio-tecnologici dell’Unione Europea”.

L'articolo Il progetto europeo per portare blockchain alle Pmi è un contenuto originale di 01net.


          One of the world's fastest growing fintech platforms started as a side project — now it's coming to the UK   

Max von Bismarck, Deposit Solutions

COPENHAGEN, Denmark — A German fintech business backed by Silicon Valley VC Peter Thiel is planning to launch its investment platform in the UK.

Max von Bismarck, Chief Business Officer and Managing Director of Deposit Solutions, told Business Insider at the Money2020 conference in Copenhagen this week that the company plans to launch its Zinspilot platform in Britain later this year.

The Hamburg-based startup, founded in 2011, currently has one person based in London and is looking to scale-up UK operations. Von Bismarck said Zinspilot will also likely be re-branded for the British market.

Zinspilot is a platform that lets people invest in savings products from a variety of banks across Europe using just one centralised account. It is one of the world's fastest-growing consumer fintech platforms. Launched in September 2015, more than €2 billion (£1.7 billion) has already been invested across its platform.

Von Bismarck said Zinspilot actually began as a side project for Deposit Solutions. Its core business is a marketplace platform for banks, not their customers, that lets lenders connect with each other and access each other's consumer deposits and products.zinspilot

Post-2008, banks around the world have to make sure they hold diversified forms of capital. Retail deposits are seen as among the best forms of capital so most banks want at least some retail money. This is a problem for specialist banks, however — small business lenders, mortgage providers etc.

Rather than straying outside of their expertise to build and maintain a retail client base, Deposit Solutions' technology allows these banks to access the retail customers of other banks in return for good savings rates. UK investment bank Close Brothers uses the platform to access euro deposits, for example.

Close Brothers or any other bank on the platform will typically offer an attractive savings rate to the customer, who is clearly told they're accessing a product provided by another bank. This means that the customer's primary banks can continue to "own" the relationship with the client, rather than losing them to a rival bank with a more attractive savings rate.

Deposit Solutions has banks from 10 European countries signed up to its platform, including Deutsche Bank, and it wants to become the "pan-European middleman for deposits," von Bismarck says. He likens the platform to an Airbnb for banking, allowing banks to take advantage of different offers from different providers through one centralised marketplace.

The company's main focus is signing up banks but it decided to launch Zinspilot so that customers of banks not yet using the technology can take advantage of the network it has built up. Zinspilot has proved to be a runaway success, although von Bismarck says it is still a relatively small part of the overall business.

Zinspilot has raised close to $25 million (£19.2 million) since launch, most recently raising €15 million (£13.1 million, $17 million) last July from a range of investors including renown Silicon Valley investor Peter Thiel. von Bismarck says the company was valued at €110 million (£96.9 million, $125.9 million) post-money in that round.

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          Assistant Chargé de Développement et Analyse des Partenariats Stratup & Fintechs H/F   
Assistant Chargé de Développement et Analyse des Partenariats Stratup & Fintechs H/F | Stage | FR-Île-de-France-LEVALLOIS PERRET
          Customer Service Representative - Buyatab - Vancouver, BC   
We’re a finTech maverick and officially one of the most popular technology companies in BC. Customer Service Representative (Part-time)....
From Buyatab - Tue, 06 Jun 2017 13:06:33 GMT - View all Vancouver, BC jobs
          Commercial Regulatory Lawyer (Senior)   
NSW-Sydney, You Have an entrepreneurial spirit and want something different to the “run of the mill” private practice role; will want to work in an environment where you can be autonomous, but still have a friendly team around you. Your new firm Will provide you with a fast-paced environment and passionate team members. Innovation is front of mind, as is undertaking the best work for their fintech start-ups.
          5 things Trump did while you weren't looking: Week 4 - Politico   

Politico

5 things Trump did while you weren't looking: Week 4
Politico
It was “Energy Week” in Washington—but you'd be forgiven for not noticing. The Supreme Court announced a series of major decisions on Monday, slightly easing the injunction on President Donald Trump's travel ban and taking up a big gerrymandering ...
Labor Department weighs in on overtime disputeThe Hill
Trump's Labor Department wants salary level to determine whether workers receive overtimeLos Angeles Times
Trump Labor Dept wants salary to count in overtime eligibilityNew York Daily News
Forbes -Arkansas Online -CNNMoney -Pensions & Investments
all 52 news articles »

          5 Principles To Simplify Compliance For Fintech Startups   
Compliance officers at financial technology (fintech) startups have one of the most daunting tasks in the financial services industry — giving the green light to a new product or service in the face of significant time and monetary constraints....
By: Bradley Arant Boult Cummings LLP
          Malaysia and Australia Securities Commissions Sign Agreement to Strengthen Fintech   
The Securities and Exchange Commission of Malaysia (SC) has announced that it has signed a cooperation agreement with the Australian Securities and Exchange Commission (ASIC) in a move to boost innovation in the respective...
          (USA-ME-Augusta) Senior Consultant, B2B Payments Strategy, West Coast   
The GCP US Large Market (LM) Client Group manages strategic corporate payment relationships for numerous multi-national organizations and also acquires new customers with revenue over $300M. This individual will be responsible for owning a portfolio of complex, high profile sales opportunities. He or she will primarily partner with Client Management and Business Development to develop and execute winning strategies for accelerating revenue. The candidate must have deep knowledge of corporate payments, particularly the relevant challenges being addressed by our client stakeholders i.e. Procurement, AP, Finance and Treasury. This candidate should possess expert knowledge of the various payment solutions employed by our middle market, enterprise and global customers and be adept at demonstrating the value of American Express solutions. Innovation mindset and a desire to drive change are imperative because he or she will be asked to represent the LM voice of customer in various partner initiatives, process optimization projects, as well as content and competitive intelligence. This team player will be accountable for developing and maintaining senior level relationships across strategic business partner functions (i.e. Global Merchant Services, Risk, Pricing, Field Enablement, Marketing and Product) as cross functional collaboration is a cornerstone of this group. Responsibilities: * Leverage industry expertise and known best practices to expand and cross-sell B2B charge volume growth opportunities * Act as B2B knowledge champion for the LM organization * Analyze complex customer AP data sets and provide insights to understand and prioritize B2B opportunities * Drive the strategy for client meetings and discussions * Influence leadership to be agile with decision making and escalation as needed * Employ Challenger Selling Model with clients--teaching, problem-solving, and tailoring sophisticated B2B solutions to meet stated objectives * Support the innovation and delivery of next generation products and capabilities via engagement with key partners * Seeking candidates with prior strategy or management consulting experience with client facing B2B payments sales expertise required. Ideal skill set includes the following: * Proven history of exceeding sales quota * Strong track record of identifying and closing complex B2B deals * Complex pipeline management and ownership across a wide range of opportunities in various sales stages * Ability to set annual forecasts and report to senior leadership on plan vs actuals * Highly developed core consulting skills * Ability to effectively communicate with C-level, Procurement, Finance and Treasury stakeholders * Strong business background and financial acumen * Proven project management skills to drive enterprise level engagements * Understanding of the B2B payments value chain from all aspects (Amex, Buyer and Supplier) * Creative problem solving to challenge status quo and drive progressive change management * Strong interpersonal skills to create followership and inspire innovation * Experience navigating long sales cycles particularly complex and iterative negotiations * Work experience in Mgt. Consulting, FinTech, Corporate Payments, Merchant Services, Procure to Pay, Source to Settle, ERP integration, Supply Chain, Trade Finance, Procurement, Finance, Treasury, AP or Business Development strongly preferred Location: Los Angeles or San Francisco preferred, Western United States required Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job** *Sales* **Title:** *Senior Consultant, B2B Payments Strategy, West Coast* **Location:** *AL-Montgomery* **Requisition ID:** *17008137*
          ISE Partners Ltd: Senior EA with Finance Sector Experience   
Competitive : ISE Partners Ltd: An outstanding Fintech firm is looking for an accomplished and dynamic Executive Assistant to support a senior partner. Mayfair
          ISE Partners Ltd: Senior EA with Finance Sector Experience   
Competitive : ISE Partners Ltd: An outstanding Fintech firm is looking for an accomplished and dynamic Executive Assistant to support a senior partner. Mayfair
          ISE Partners Ltd: Senior EA with Finance Sector Experience   
Competitive : ISE Partners Ltd: An outstanding Fintech firm is looking for an accomplished and dynamic Executive Assistant to support a senior partner. Mayfair
          BETTERMENT CEO: Only a few robo-advice startups will survive   

jon stein ceo betterment 3Betterment

Morgan Stanley, a Wall Street giant, is convinced that only a "handful" of roboadviser startups will survive. The CEO of the largest roboadviser startup agrees. 

Roboadvisers provide financial advice or portfolio management online or via a smartphone application. Rather than using human managers to build portfolios, they use algorithms to determine where to invest. 

Global assets managed by robos could reach $13 trillion by 2025 in a best case scenario, according to a research note penned by a group of equity analysts at Morgan Stanley. That's up from $100 billion as of December 2016. However, according to the analysts, only a few roboadviser startups are going to make it. They predict most roboadvisers startups will merge with other startups, or be bought out by incumbent players looking to expand their digital footprint.

In a recent interview with Business Insider, Jon Stein, founder and CEO of Betterment, the largest independent roboadviser with $9 billion in assets, said he agrees with the investment bank. 

"It's the way things have gone in every other industry and during every other cycle in this industry," Stein said. 

"How many big financial services brands have broken out in the last three decades?" he added."It is very few."

Morgan Stanley predicts that legacy firms such as Vanguard and Charles Schwab, which were some of the earliest incumbent players to get into robo, will eat up marketshare moving forward, not startups such as Betterment. 

"[W]e think the incumbents are best positioned to win market share, and we see the fact that ~70% of the companies we interviewed either just launched or are about to launch such offering as a step in such direction," the bank said. 

Naturally, this is a point with which Stein disagrees. He thinks such firms, which to be sure manage trillions of dollars, are stuck in a different wealth-management "paradigm," which will hurt them in the long-run and benefit Betterment.

On Morgan Stanley specifically, Stein had this to say:

"Morgan Stanley, for instance, is a firm set up to serve clients the old way. As a result, they are having a really hard time shifting to this new paradigm of pure customer alignment because that's not their model. Their model is brokerage alignment. It is a brokerage model. They are there to sell you a product, whatever product makes them the most money. That tends to be the one that they favor."

Morgan Stanley declined to comment on Stein's comments. The Wall Street giant has taken many notable steps to digitize its wealth-management offerings. As Business Insider's Matt Turner reported, the bank is planning to roll out a goals-based roboadviser option for the children of existing wealthy clients and for Morgan Stanley stock-plan participants.

Here are the relevant passages from the interview:

Chaparro: Morgan Stanley put out a big note on the future of fintech back in May in which they argued that "only a handful of roboadvice startups will survive." Those that don't survive will consolidate or be bought up by legacy firms. Do you think this is how things will play out?

Stein: It's the way things have gone in every other industry and during every other cycle in this industry. So I expect that is right. That doesn't mean there aren't going to be new ideas coming out and new competitors emerging for decades to come.

But we have to ask ourselves: How many of these players can actually make it to scale? In financial services, it is not many. How many big financial services brands have broken out in the last three decades? It is very few. What's the brand-new bank that has come along? There's none. What's the new investing firm that has broken out and taken a lot of share? There are a couple that I probably know of, but they're not on the public's radar. Maybe like Financial Engine or DFA.

There are a couple of firms that have gotten big, but they're not a huge name. PayPal did it. Capital One did it. But it's few. So I agree with their thesis: Few will survive, and there will be consolidation.

...

Chaparro: Incumbents have had their own robo offerings for years, and they have their big brand and infrastructure to back them up. What makes you so certain Betterment can survive up against such competition?

Stein: For the same reason why we often see those few innovators break out.

You could also ask "Why did Amazon break out and become the dominant online retailer?" — some would say dominant retailer period. And why wasn't it Barnes and Nobles, Target, or Walmart, or anybody else? It is because Amazon has a specific focus. They didn't have conflicts with a set of existing infrastructure and systems and people who were built around doing things the old way.

Morgan Stanley, for instance, is a firm set up to serve clients the old way. As a result, they are having a really hard time shifting to this new paradigm of pure customer alignment because that's not their model. Their model is brokerage alignment. It is a brokerage model. They are there to sell you a product, whatever product makes them the most money. That tends to be the one that they favor.

NOW WATCH: HENRY BLODGET: Tech market is nowhere near the dotcom days


          Here are the key highlights from Money 20/20 Europe   

Open BankingBI Intelligence

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

BI Intelligence attended Money 20/20 Europe this week. Here are the key trends we spotted at the event:

Open banking is in sight. Everyone from Jack Dorsey of Square to Carlos Torres Vila, CEO of Spanish banking giant BBVA, talked about the importance and potential of open platforms. Incumbent banks we spoke to, including Barclays UK, were keen to emphasize that they view open banking as an opportunity, both to better serve their customers and create new business models.

That said, many players, from fintechs to large banks, agreed that before the full potential of open banking can be reached, a great deal of consumer education around how data can be, and will be used, is needed to gain their trust of open banking initiatives.

Regulation remains a hurdle for all players. Much was made of the opportunities around PSD2, but startups, incumbent banks, and payments processors, are still worried about an ongoing lack of clarity around what final standards will look like, saying it's hampering their preparation efforts. Meanwhile, large UK retail banks are focused on ensuring compliance with ring-fencing rules, which they said are distracting them somewhat from innovation efforts.

Startups also feel held back by regulation, with one panel saying national differences remain the biggest barrier to their scaling across the EU. That regulatory pain is still being felt by the entire financial services ecosystem suggests we will continue to see the regtech industry grow, as firms look for help in achieving compliance more easily and efficiently.

Improved customer experience is still a major driver for innovation. Many at the event emphasized that improving customer experience should be a key driver behind innovation. Vila of BBVA reminded attendees that many millennials would rather go to the dentist than the bank, and that changing this is essential. Meanwhile, Mike Reed, head of BofA Merrill Lynch Merchant Services, highlighted that while open banking gives all players opportunities to create exciting new propositions, those that ultimately succeed will be the ones that take customer needs and wants into account.

This industrywide acceptance that improving customer experience must drive innovation efforts is an excellent step in the right direction, but it seems likely that only those players that truly engage with consumers will be successful.

Open banking is the democratization of access to data previously exclusively owned by legacy financial institutions. 

The open banking trend is being driven by a number of factors and will ultimately become the norm. That means retail banks need to rethink their business and operational models if they want to maintain the positions of dominance in the financial ecosystem. 

Sarah Kocianski, senior research analyst for BI Intelligence, Business Insider's premium research service, has compiled a detailed report on open banking that:

  • Explains the concept and mechanics of open banking. 
  • Outlines the drivers behind its increasing adoption by global retail banks. 
  • Highlights the different approaches banks are taking to open banking, and explores the advantages and disadvantages of each.
  • Explores the future of open banking, including its impact on fintechs. 

To get the full report, subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now

You can also purchase and download the full report from our research store.


          Robo Advisors vs. Human Financial Advisors: Why Not Both?   

Hybrid Robo AdvisorsMyPrivateBanking

After the strong growth of the robo advisory approach in recent years, promoted by numerous start-ups worldwide as well as sizeable number of early adopting wealth managers, a new ‘sub-species’ has emerged: the hybrid robo/personal contact service, which adds a substantial software component to human interaction in the client advisory process.

This is a key finding of MyPrivateBanking's latest report "Hybrid Robos: how combining human and automated wealth advice delivers superior results and gains market share".

Robo Advisors vs. Human Financial Advisors

Robo-advisors have begun to distinguish themselves into three  models, but they each have the same goal. Standalone companies such as Betterment (the most popular U.S. robo-advisor) use algorithms to recommend stocks and manage portfolios. Hybrid robo-advisors combine computerized recommendations with on-demand advice from a human being. And advanced standalone companies leverage more complex algorithms to create and actively manage portfolios.

Robo Advisors for Advisors

In MyPrivateBanking's view, hybrid robo advisory strategies represent a paradigm shift in the pace and path of change in the wealth management industry. MyPrivateBanking estimates that hybrid robo services will by 2020 grow to a size of USD 3,700 billion assets worldwide; by 2025 the total market size will further increase to USD 16,300 billion. This number constitutes just over 10% of the total investable wealth in 2025.

By comparison,“pure” robo advisors (completely automated without personal service added on) will have a market share of 1.6% of the total global wealth at that stage. The report includes a projection for the market size and growth globally of Hybrid Robo Advisor and pure play robo advisor, including a breakdown between North America and the rest of the world, and a split by the retail and affluent wealth and the HNWI/UHNWI segments.

Hybrid robo solutions are a dynamic and also unstable new phase in the wealth management industry’s transformation. MyPrivateBanking expects 2016 to be a year of significant developments – several major players have announced that they will reveal their hybrid offerings in the course of the year and many more wealth managers are currently working through the issues of hybrid robo adoption. The institutional players entering the robo advisors markets and their offerings are analyzed in detail in the report.

Hybrid Solutions will impact many financial services sectors

The drivers for hybrid robo innovation will come from several different sources within the global financial industry. For a start there is is the inspiration derived from the original robo advisor services. To this must be added the new opportunities that have arisen following the launch of a substantial range of new B2B technology providers, some focused only on the banking and wealth management industries and others with a broader scope.

The next 12 to 18 months will provide numerous demonstrations of the impact of the new (white label) technology providers and robo/conventional partnering on wealth management. In particular, as this report’s case studies show, the resulting hybrid wealth management solutions will spring up in a number of different parts of the global finance industry. Furthermore, with the help of robo technology, MyPrivateBanking expects to see a significant increase in quasi-wealth management services from sections of the industry that have been considered as distinct from wealth management, such as pension providers, fund managers and retail banks.

The robo model of investment portfolio management will be good enough in the eyes of a larger proportion of investors than the wealth management industry itself yet seems ready to recognize. Moreover, hybrid robo advisory services will increase the efficiency of advisors, in terms of numbers of clients served per professional, and the increasing numbers of hybrid solutions will also have a significant downwards effect on the client charges the market will bear.

Wealth managers should implement robo advisors solution fast, but thoughtful

The report highlights 20 different recommendations for consideration by wealth managers in weighing up hybrid robo opportunities, among them:

  • Wealth Managers should be wary of assuming that one or more robo advisory elements can be just ‘added on’ to an existing service.
  • Especially in the retail and affluent segments, tie-ups with non-financial retail services of various kinds will be of increasing importance for the success of robo advisory client recruitment.
  • For most wealth managers the path to a hybrid solution will have several stages; this is fine but clients’ awareness of the capabilities of automation will be increasing rapidly in the next few years.
  • In the higher wealth segments, wealth managers who automate ‘behind the scenes’ processes will be best placed to introduce client facing robo elements when they’ve established their client-base is ready. 

This rigorous and detailed report tells you all you need to know for assessing this new stage in the evolution of robo advisors, the strengths and weaknesses and lessons to be learned from of a selection of existing hybrid robo advisor innovators and the implications for conventional wealth managers. This report makes a deep analysis of what constitutes ‘hybrid robo’ and draws out the important characteristics of this developing field. This is complemented by the MyPrivateBanking’s market projections exercise and together both give readers a clear idea of the scale of change that is underway.

In addition, in order to illustrate different types of hybrid robo solutions, five case studies of hybrid robo innovators are included that provide insights into different ‘pathways’ to hybrid solutions. The report’s recommendations chapter provides five outline strategic goals for hybrid solutions together with a larger number of detailed considerations for wealth managers preparing to implement a hybrid strategy.

For the report, the MyPrivateBanking analyst team covering the robo advisor development from its beginnings (see previous reports here) has further researched the leading trends (and providers) and engaged in discussions with service and technology providers as well as industry experts and wealth managers.

The report gives wealth managers, robo advisors, banks, IT-vendors and consultants answers to the following questions:

  • What constitutes a ‘hybrid robo’ and which are the most important characteristics? What are the different ‘pathways’ to hybrid solutions?

  • What is the status of the robo advisor market (full robo advisors and hybrid robo advisors) and how will it develop over the next 10 years?

  • How will the growth of the Hybrid robo advisor be differentiated by the retail and affluent wealth segments and the HNWI/UHNWI segments.

  • What are the learning points for wealth management from the hybrid solutions of five different institutions?“

  • Which features and functions should hybrid robo advisor solutions have to satisfy the needs of clients? 

  • What are the implications of the hybrid robo advisor model to traditional wealth managers? How can they counter the threats? How can they benefit?

Main Content

  • Institutional players entering the robo advisors markets and analysis of their offerings

  • Hybrid Robo Advisor and pure play robo advisor market size and growth globally, including a breakdown between North America and the rest of the world

  • Hybrid Robo Advisor market size and growth split between the retail and affluent wealth segments and the HNWI/UHNWI segments.

  • Five detailed case studies of hybrid robo solutions incl. Schwab Institutional Intelligent Portfolios, Investec and Jemstep, and Hedgeable

  • Recommendations on elements of human interaction that can enhance robo advisors so as to win more clients 

  • 20 recommendations for conventional wealth managers (for all wealth segments) to benefit from the opportunities that hybrid robo advisors present

>>Click here for Report Summary and Table of Contents<<

Here's how you get this exclusive Robo Advisor research:MyPrivateBanking Report SpreadMyPrivateBanking

To provide you with this exclusive report, MyPrivateBanking has partnered with BI Intelligence, Business Insider's premium research service, to create The Complete Robo Advisor Research Collection.

If you’re involved in the financial services industry at any level, you simply must understand the paradigm shift caused by robo advisors.

Investors frustrated by mediocre investment performance, high wealth manager fees and deceptive sales techniques are signing up for automated investment accounts at a record pace.

And the robo advisor field is evolving right before our eyes. Firms are figuring out on the fly how to best attract, service and upsell their customers. What lessons are they learning? Who’s doing it best? What threats are traditional wealth managers facing? Where are the opportunities for exponential growth for firms with robo advisor products or models?

The Complete Robo Advisor Research Collection is the ONLY resource that answers all of these questions and more. Click here to learn more about everything that's included in this exclusive research bundle

NOW WATCH: HENRY BLODGET: Tech market is nowhere near the dotcom days


          专家:发展金融科技不应忘记风险   

  在近日举行的番钛客2017金融科技双创大赛颁奖盛典暨2017金融科技与金融安全峰会上,与会嘉宾指出,借助金融科技,普惠金融正由理想变成现实。金融科技的边际成本比较小,甚至是零。只有拥有这种特点才使金融机构能够做普惠金融,由理想变成广泛的社会实践。

  与会嘉宾认为,金融科技不止是中国当前在科技产业的一个热点,也是目前中国在全球格局当中,尤其是在一带一路格局当中一个非常重要的机遇。金融科技中有三股力量,分别是金融机构、科技企业和投资者,他们在互相的助力和共同推进这个产业的发展。当前,监管当局多次强调金融市场的风险,因此,在金融科技的发展当中,不应该忘记风险。

  会上发布的《2017中国金融科技投融资发展研究报告》显示,国内的金融科技公司在逐步从1.0向3.0模式迈进。Fintech3.0则跳出金融OT的局限,此时的金融科技公司摆脱对传统金融机构的依赖,通过控股或参股的方式获取金融牌照,利用自身IT技术直接开展如金融产品销售、智能投顾、大数据征信等金融科技业务,直接实现销售分成或者业务分成。

  “自2016年开始,金融科技概念非常火爆,未来几年都将保持这一增速,预计整体金融科技的业务爆发变现至少需要5年时间。”中关村互联网金融研究院执行院长、国培机构董事长刘勇表示,未来行业投资趋势将更加偏向战略投资和并购。(关新)


          Blog Post: Brand Battles: Mars Says Hershey Can't Own 'Scary' Candy   
In Law360's latest roundup of new actions at the Trademark Trial and Appeal Board, Mars accuses Hershey of trying to lock up a generic Halloween word, Goldman Sachs aims to block a "GS" logo from a fintech startup, and Apple goes after an educational software "Pear."
          KEYWARE TECH. (BE0003880979) : Keyware prend le contrôle de la société fintech française Magellan SAS   
none
          Is Insurance Tech Overheated? VCs, CEOs and Insurance Executives Weigh In   
Missed out on the Future of Fintech conference? Sign up to download the presentation and slides. During this week’s CB Insights’ Future of Fintech Conference, panel speakers including executives, CEOs and investors from Travelers, Clover Health, Metromile, Lemonade, XL Innovate, and … Continued
          Blockchain Speculators Powering A ‘Quiet Revolution’   
Missed out on the Future of Fintech conference? Sign up to download the presentation and slides. The total market capitalization of all cryptocurrencies passed $100M earlier this month, meaning if you had put $100 into bitcoin in 2010, it would … Continued
          Blockchain Solutions Are Coming But They Will Not Be A ‘Miracle Drug’   
Missed out on the Future of Fintech conference? Sign up to download the presentation and slides. With the market capitalization of cryptocurrencies crossing $100B and a recent boom in corporate interest, blockchain and cryptocurrencies are definitely having their moment. Still … Continued
          Social Networks, Not Banks, Drive Fintech Innovation in China   
Missed out on the Future of Fintech conference? Sign up to download the presentation and slides. The Chinese market has significant potential for consumer financial technology firms. Startups can leverage the massive amount of data that Chinese consumers share online … Continued
          In Push For Relevance, Banking Incumbents Take On Internal Disruption   
Missed out on the Future of Fintech conference? Sign up to download the presentation and slides. As banking incumbents push to stay relevant amidst profound fintech disruption, they are having to fundamentally rethink their product road map. There is no … Continued
          Senior Sales Representative - REMOTE - B2B, Technology, FinTech   
San Jose, This is a REMOTE role. We are based in the greater Chicago, IL area, we have been recognized, publicly, as one of the "most innovative and fast growing" FinTech solutions companies in the US. We have a bunch of funding, are hiring like wildfire, and are hoping you can take our company to the next level!!! With access to the most advanced technologies, our team is composed of experts in the world o
          7 industrias en las que los emprendedores deben enfocarse   

¿En qué industrias deberían centrarse los emprendedores en la próxima década? apareció originalmente en Quora: un lugar para adquirir y compartir conocimiento y mejor entender el mundo. Respuesta por Rodrigo Díaz, editor de Loyverse TPV y visionario de la Iniciativa Dar Primero: Algunos de los temas más interesantes son: Fintech...

La entrada 7 industrias en las que los emprendedores deben enfocarse aparece primero en NEVERMIND.


          (USA-WA-Seattle) Technical Program Manager   
Enabling Amazon’s explosive growth requires top talent in our Finance Technology (FinTech) organization. FinTech is seeking a Technical Program Manager to collaborate with business and technical teams, such as Retail, AWS, globally to deliver scalable and secure, world class solutions while maintaining a strong customer focus. You will use your technical and business acumen, working with global stakeholders to identify, define, and deliver scalable solutions that enable Amazon’s businesses. You will be the driving force that orchestrates all the moving pieces as needed to ensure successful and on-time delivery. You will also be the face and voice of your project team. You will ensure that all stakeholders are aware of outstanding issues and project status. You will tailor your communications to specific audiences as well as communicate clearly and concisely to both business and technical audiences. Finally, as a member of the Program Management team you will take an active role in our focus on continuous improvement. Responsibilities include - - Interact with project sponsors, project stakeholders and multiple business and technical teams to define and deliver project scope - Drive programs to completion across multiple organizations and teams - Anticipate bottlenecks, provide escalation management, anticipate and make tradeoffs and balance the business needs versus technical constraints - Plan and manage multiple parallel projects - Identify, assess, track and mitigate issues and risks at multiple levels - Create, maintain and disseminate project information to stakeholders - Drive effective teamwork, communication, collaboration and commitment across multiple disparate groups with competing priorities - Communicate project issues and status in a concise, accurate, and professional manner - Build and maintain integrated project schedules that account for internal/external dependencies, constraints, and adequately factors in some contingency for some unplanned delays while still be aggressive - Remain flexible to changing priorities, open to new ideas and have Amazon's success firmly in your focus - Drive technical teams to long term, scalable solutions - Translate business requirements into technical specs - BS degree or equivalent - 5+ years of Program Management experience, preferably in ERP technologies like Oracle, SAP, Siebel, PeopleSoft managing large global rollouts for the following flow families - • Accounting to Financial Reports • Order to Cash • Procure to Pay - Proven ability to meet deadlines, prioritize workloads, maintain attention to detail and work independently in a fast-paced and rapidly changing environment - Proven ability to think and act both strategically and tactically - Analytical problem solving - Organizational skills - Excellent written and verbal communication skills - Team player - Proven problem solving skills -Country-specific Localization deployment experience - Project Management certification like PMP is desirable - Working knowledge of Microsoft Project or like project management tools Amazon is an Equal Opportunity-Affirmative Action Employer – Minority / Female / Disability / Veteran / Gender Identity / Sexual Orientation. AMZR Req ID: 552516 External Company URL: www.amazon.com
          BETTERMENT CEO: Only a few robo-advice startups will survive   

jon stein ceo betterment 3Betterment

Morgan Stanley, a Wall Street giant, is convinced that only a "handful" of roboadviser startups will survive. The CEO of the largest roboadviser startup agrees. 

Roboadvisers provide financial advice or portfolio management online or via a smartphone application. Rather than using human managers to build portfolios, they use algorithms to determine where to invest. 

Global assets managed by robos could reach $13 trillion by 2025 in a best case scenario, according to a research note penned by a group of equity analysts at Morgan Stanley. That's up from $100 billion as of December 2016. However, according to the analysts, only a few roboadviser startups are going to make it. They predict most roboadvisers startups will merge with other startups, or be bought out by incumbent players looking to expand their digital footprint.

In a recent interview with Business Insider, Jon Stein, founder and CEO of Betterment, the largest independent roboadviser with $9 billion in assets, said he agrees with the investment bank. 

"It's the way things have gone in every other industry and during every other cycle in this industry," Stein said. 

"How many big financial services brands have broken out in the last three decades?" he added."It is very few."

Morgan Stanley predicts that legacy firms such as Vanguard and Charles Schwab, which were some of the earliest incumbent players to get into robo, will eat up marketshare moving forward, not startups such as Betterment. 

"[W]e think the incumbents are best positioned to win market share, and we see the fact that ~70% of the companies we interviewed either just launched or are about to launch such offering as a step in such direction," the bank said. 

Naturally, this is a point with which Stein disagrees. He thinks such firms, which to be sure manage trillions of dollars, are stuck in a different wealth-management "paradigm," which will hurt them in the long-run and benefit Betterment.

On Morgan Stanley specifically, Stein had this to say:

"Morgan Stanley, for instance, is a firm set up to serve clients the old way. As a result, they are having a really hard time shifting to this new paradigm of pure customer alignment because that's not their model. Their model is brokerage alignment. It is a brokerage model. They are there to sell you a product, whatever product makes them the most money. That tends to be the one that they favor."

Morgan Stanley declined to comment on Stein's comments. The Wall Street giant has taken many notable steps to digitize its wealth-management offerings. As Business Insider's Matt Turner reported, the bank is planning to roll out a goals-based roboadviser option for the children of existing wealthy clients and for Morgan Stanley stock-plan participants.

Here are the relevant passages from the interview:

Chaparro: Morgan Stanley put out a big note on the future of fintech back in May in which they argued that "only a handful of roboadvice startups will survive." Those that don't survive will consolidate or be bought up by legacy firms. Do you think this is how things will play out?

Stein: It's the way things have gone in every other industry and during every other cycle in this industry. So I expect that is right. That doesn't mean there aren't going to be new ideas coming out and new competitors emerging for decades to come.

But we have to ask ourselves: How many of these players can actually make it to scale? In financial services, it is not many. How many big financial services brands have broken out in the last three decades? It is very few. What's the brand-new bank that has come along? There's none. What's the new investing firm that has broken out and taken a lot of share? There are a couple that I probably know of, but they're not on the public's radar. Maybe like Financial Engine or DFA.

There are a couple of firms that have gotten big, but they're not a huge name. PayPal did it. Capital One did it. But it's few. So I agree with their thesis: Few will survive, and there will be consolidation.

...

Chaparro: Incumbents have had their own robo offerings for years, and they have their big brand and infrastructure to back them up. What makes you so certain Betterment can survive up against such competition?

Stein: For the same reason why we often see those few innovators break out.

You could also ask "Why did Amazon break out and become the dominant online retailer?" — some would say dominant retailer period. And why wasn't it Barnes and Nobles, Target, or Walmart, or anybody else? It is because Amazon has a specific focus. They didn't have conflicts with a set of existing infrastructure and systems and people who were built around doing things the old way.

Morgan Stanley, for instance, is a firm set up to serve clients the old way. As a result, they are having a really hard time shifting to this new paradigm of pure customer alignment because that's not their model. Their model is brokerage alignment. It is a brokerage model. They are there to sell you a product, whatever product makes them the most money. That tends to be the one that they favor.

NOW WATCH: HENRY BLODGET: Tech market is nowhere near the dotcom days


          Here are the key highlights from Money 20/20 Europe   

Open BankingBI Intelligence

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

BI Intelligence attended Money 20/20 Europe this week. Here are the key trends we spotted at the event:

Open banking is in sight. Everyone from Jack Dorsey of Square to Carlos Torres Vila, CEO of Spanish banking giant BBVA, talked about the importance and potential of open platforms. Incumbent banks we spoke to, including Barclays UK, were keen to emphasize that they view open banking as an opportunity, both to better serve their customers and create new business models.

That said, many players, from fintechs to large banks, agreed that before the full potential of open banking can be reached, a great deal of consumer education around how data can be, and will be used, is needed to gain their trust of open banking initiatives.

Regulation remains a hurdle for all players. Much was made of the opportunities around PSD2, but startups, incumbent banks, and payments processors, are still worried about an ongoing lack of clarity around what final standards will look like, saying it's hampering their preparation efforts. Meanwhile, large UK retail banks are focused on ensuring compliance with ring-fencing rules, which they said are distracting them somewhat from innovation efforts.

Startups also feel held back by regulation, with one panel saying national differences remain the biggest barrier to their scaling across the EU. That regulatory pain is still being felt by the entire financial services ecosystem suggests we will continue to see the regtech industry grow, as firms look for help in achieving compliance more easily and efficiently.

Improved customer experience is still a major driver for innovation. Many at the event emphasized that improving customer experience should be a key driver behind innovation. Vila of BBVA reminded attendees that many millennials would rather go to the dentist than the bank, and that changing this is essential. Meanwhile, Mike Reed, head of BofA Merrill Lynch Merchant Services, highlighted that while open banking gives all players opportunities to create exciting new propositions, those that ultimately succeed will be the ones that take customer needs and wants into account.

This industrywide acceptance that improving customer experience must drive innovation efforts is an excellent step in the right direction, but it seems likely that only those players that truly engage with consumers will be successful.

Open banking is the democratization of access to data previously exclusively owned by legacy financial institutions. 

The open banking trend is being driven by a number of factors and will ultimately become the norm. That means retail banks need to rethink their business and operational models if they want to maintain the positions of dominance in the financial ecosystem. 

Sarah Kocianski, senior research analyst for BI Intelligence, Business Insider's premium research service, has compiled a detailed report on open banking that:

  • Explains the concept and mechanics of open banking. 
  • Outlines the drivers behind its increasing adoption by global retail banks. 
  • Highlights the different approaches banks are taking to open banking, and explores the advantages and disadvantages of each.
  • Explores the future of open banking, including its impact on fintechs. 

To get the full report, subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and more than 250 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >> Learn More Now

You can also purchase and download the full report from our research store.


          Robo Advisors vs. Human Financial Advisors: Why Not Both?   

Hybrid Robo AdvisorsMyPrivateBanking

After the strong growth of the robo advisory approach in recent years, promoted by numerous start-ups worldwide as well as sizeable number of early adopting wealth managers, a new ‘sub-species’ has emerged: the hybrid robo/personal contact service, which adds a substantial software component to human interaction in the client advisory process.

This is a key finding of MyPrivateBanking's latest report "Hybrid Robos: how combining human and automated wealth advice delivers superior results and gains market share".

Robo Advisors vs. Human Financial Advisors

Robo-advisors have begun to distinguish themselves into three  models, but they each have the same goal. Standalone companies such as Betterment (the most popular U.S. robo-advisor) use algorithms to recommend stocks and manage portfolios. Hybrid robo-advisors combine computerized recommendations with on-demand advice from a human being. And advanced standalone companies leverage more complex algorithms to create and actively manage portfolios.

Robo Advisors for Advisors

In MyPrivateBanking's view, hybrid robo advisory strategies represent a paradigm shift in the pace and path of change in the wealth management industry. MyPrivateBanking estimates that hybrid robo services will by 2020 grow to a size of USD 3,700 billion assets worldwide; by 2025 the total market size will further increase to USD 16,300 billion. This number constitutes just over 10% of the total investable wealth in 2025.

By comparison,“pure” robo advisors (completely automated without personal service added on) will have a market share of 1.6% of the total global wealth at that stage. The report includes a projection for the market size and growth globally of Hybrid Robo Advisor and pure play robo advisor, including a breakdown between North America and the rest of the world, and a split by the retail and affluent wealth and the HNWI/UHNWI segments.

Hybrid robo solutions are a dynamic and also unstable new phase in the wealth management industry’s transformation. MyPrivateBanking expects 2016 to be a year of significant developments – several major players have announced that they will reveal their hybrid offerings in the course of the year and many more wealth managers are currently working through the issues of hybrid robo adoption. The institutional players entering the robo advisors markets and their offerings are analyzed in detail in the report.

Hybrid Solutions will impact many financial services sectors

The drivers for hybrid robo innovation will come from several different sources within the global financial industry. For a start there is is the inspiration derived from the original robo advisor services. To this must be added the new opportunities that have arisen following the launch of a substantial range of new B2B technology providers, some focused only on the banking and wealth management industries and others with a broader scope.

The next 12 to 18 months will provide numerous demonstrations of the impact of the new (white label) technology providers and robo/conventional partnering on wealth management. In particular, as this report’s case studies show, the resulting hybrid wealth management solutions will spring up in a number of different parts of the global finance industry. Furthermore, with the help of robo technology, MyPrivateBanking expects to see a significant increase in quasi-wealth management services from sections of the industry that have been considered as distinct from wealth management, such as pension providers, fund managers and retail banks.

The robo model of investment portfolio management will be good enough in the eyes of a larger proportion of investors than the wealth management industry itself yet seems ready to recognize. Moreover, hybrid robo advisory services will increase the efficiency of advisors, in terms of numbers of clients served per professional, and the increasing numbers of hybrid solutions will also have a significant downwards effect on the client charges the market will bear.

Wealth managers should implement robo advisors solution fast, but thoughtful

The report highlights 20 different recommendations for consideration by wealth managers in weighing up hybrid robo opportunities, among them:

  • Wealth Managers should be wary of assuming that one or more robo advisory elements can be just ‘added on’ to an existing service.
  • Especially in the retail and affluent segments, tie-ups with non-financial retail services of various kinds will be of increasing importance for the success of robo advisory client recruitment.
  • For most wealth managers the path to a hybrid solution will have several stages; this is fine but clients’ awareness of the capabilities of automation will be increasing rapidly in the next few years.
  • In the higher wealth segments, wealth managers who automate ‘behind the scenes’ processes will be best placed to introduce client facing robo elements when they’ve established their client-base is ready. 

This rigorous and detailed report tells you all you need to know for assessing this new stage in the evolution of robo advisors, the strengths and weaknesses and lessons to be learned from of a selection of existing hybrid robo advisor innovators and the implications for conventional wealth managers. This report makes a deep analysis of what constitutes ‘hybrid robo’ and draws out the important characteristics of this developing field. This is complemented by the MyPrivateBanking’s market projections exercise and together both give readers a clear idea of the scale of change that is underway.

In addition, in order to illustrate different types of hybrid robo solutions, five case studies of hybrid robo innovators are included that provide insights into different ‘pathways’ to hybrid solutions. The report’s recommendations chapter provides five outline strategic goals for hybrid solutions together with a larger number of detailed considerations for wealth managers preparing to implement a hybrid strategy.

For the report, the MyPrivateBanking analyst team covering the robo advisor development from its beginnings (see previous reports here) has further researched the leading trends (and providers) and engaged in discussions with service and technology providers as well as industry experts and wealth managers.

The report gives wealth managers, robo advisors, banks, IT-vendors and consultants answers to the following questions:

  • What constitutes a ‘hybrid robo’ and which are the most important characteristics? What are the different ‘pathways’ to hybrid solutions?

  • What is the status of the robo advisor market (full robo advisors and hybrid robo advisors) and how will it develop over the next 10 years?

  • How will the growth of the Hybrid robo advisor be differentiated by the retail and affluent wealth segments and the HNWI/UHNWI segments.

  • What are the learning points for wealth management from the hybrid solutions of five different institutions?“

  • Which features and functions should hybrid robo advisor solutions have to satisfy the needs of clients? 

  • What are the implications of the hybrid robo advisor model to traditional wealth managers? How can they counter the threats? How can they benefit?

Main Content

  • Institutional players entering the robo advisors markets and analysis of their offerings

  • Hybrid Robo Advisor and pure play robo advisor market size and growth globally, including a breakdown between North America and the rest of the world

  • Hybrid Robo Advisor market size and growth split between the retail and affluent wealth segments and the HNWI/UHNWI segments.

  • Five detailed case studies of hybrid robo solutions incl. Schwab Institutional Intelligent Portfolios, Investec and Jemstep, and Hedgeable

  • Recommendations on elements of human interaction that can enhance robo advisors so as to win more clients 

  • 20 recommendations for conventional wealth managers (for all wealth segments) to benefit from the opportunities that hybrid robo advisors present

>>Click here for Report Summary and Table of Contents<<

Here's how you get this exclusive Robo Advisor research:MyPrivateBanking Report SpreadMyPrivateBanking

To provide you with this exclusive report, MyPrivateBanking has partnered with BI Intelligence, Business Insider's premium research service, to create The Complete Robo Advisor Research Collection.

If you’re involved in the financial services industry at any level, you simply must understand the paradigm shift caused by robo advisors.

Investors frustrated by mediocre investment performance, high wealth manager fees and deceptive sales techniques are signing up for automated investment accounts at a record pace.

And the robo advisor field is evolving right before our eyes. Firms are figuring out on the fly how to best attract, service and upsell their customers. What lessons are they learning? Who’s doing it best? What threats are traditional wealth managers facing? Where are the opportunities for exponential growth for firms with robo advisor products or models?

The Complete Robo Advisor Research Collection is the ONLY resource that answers all of these questions and more. Click here to learn more about everything that's included in this exclusive research bundle

NOW WATCH: HENRY BLODGET: Tech market is nowhere near the dotcom days


          Vodi Closes Over $100K Crowdfunding Funding   
Vodi, a Duluth, Ga.-based global fintech and communication services app, completed a more than $100,000 crowdfunding round. Over 160-plus backers invested in the company via the WeFunder platform. The company intends to use the funds to enter its next phase of growth and launch several new features and products. Led by Darren Lu, founder and […]
          PROMOTOR DE CREDITOS MEJORAVIT- IMSS - Broxel Fintech - Playa del Carmen, QRoo.   
*Innovamos con tecnología financiera para revolucionar los medios de pago, basadas en tecnología financiera, con el objetivo de crear ecosistemas financieros $7,000 al mes
De Indeed - Tue, 30 May 2017 23:18:05 GMT - Ver todos los empleos en Playa del Carmen, QRoo.
          Fintech in the Global Automotive Industry 2017 - Forecast to 2025 - Research and Markets   
...Fintech in the Global Automotive Industry 2017 - Forecast to 2025 - Research and Markets TMCNet: Fintech in the Global Automotive Industry 2017 - Forecast to 2025 - Research and Markets [June ...

          Chief Technology Officer (for FinTech Startup) - Ferst Digital - Toronto, ON   
Expert knowledge in at least one modern programming language, experience with relational and nonrelational databases, designed complex and secure server...
From Indeed - Thu, 29 Jun 2017 12:36:24 GMT - View all Toronto, ON jobs
          InvestCloud to launch London FinTech incubator   
Deputy Mayor of London for Business, Rajesh Agrawal, praises commitment to share technological expertise
          Davos' FinTech Left One Innovation Out   
Today's IT infrastructures in banks have grown historically over decades. Creating a helicopter view of the IT landscape is sometimes impossible because it takes a large group of experts from different areas in a bank to talk to each other in order to get an overview.
          Drop Rewards - Reward yourself with a new take on a coalition loyalty program   
In 2016, Drop Rewards (also known as Drop Loyalty or the Drop App or simply Drop) launched here in Canada with a new take on how they wanted to reward you for your loyalty. Drop approached us to see if we would cover the program and since our mission is to educate and provide details on as many reward programs to Canadians how could we say no?

Drop markets itself as a new type of coalition program whereby you collect points on purchases at a variety of merchants and then can redeem points to save on purchases at a variety of merchants. Targeted towards the millennial generation who tend to be less loyal to one merchant or program Drop has grown to over 150,000 users in less than a year. That's pretty impressive.  So how does Drop work? It works differently than other programs in that you don't have a set loyalty card. Basically you link your debit and credit cards to the Drop app and they monitor your transactions from the merchants you select and reward you for those purchases.

You get to pick 5 merchants that when you use your credit or debit cards at their locations you'll earn points for those purchases. You must pick carefully as once you choose you can't change them. When I signed up earlier this week these were the merchants offered:
I'm a little surprised they only limit you to 5 merchants. The whole point of a coalition program is that you have many places to earn and many places to redeem. At least on the latter option Drop doesn't disappoint.  Back to earning however, Drop's marketing doesn't really let you know that you can only select 5 merchants beforehand nor do they list what merchants are available until you sign up and get the app. You are going in blind not knowing where you can earn points, so for some you'll go through the process only to find out it may not make sense for you. I'll admit that when I downloaded the app and was asked to select only 5 merchants I was a bit surprised. I thought you'd be able to earn points at all their partners. Maybe this is something Drop should consider to make the program even more worthwhile.

As to linking credit cards, I had no issues getting a set of cards from one issuer set up but kept getting errors on another. To be honest I was a little reluctant to link any of them and will explain more below.

The good news is that the points you earn via Drop at the 5 merchants you pick does not negate any rewards you earn with your credit card or even loyalty cards like AIR MILES, Plum Rewards or Starbucks rewards. If the merchants you choose have their own program it essentially means you are triple dipping on your purchases. Take Starbucks for example. You pay with a reward earning credit card so you'll earn whatever points or miles that card offers, you show your Starbucks Rewards card so you'll earn Stars and if the payment card you used is tied into your Drop account you'll earn the Drop points as well.

Points earning varies by merchant, the five I selected are as follows:

On the redemption side, 1,000 points equals $1 in rewards at many Drop partners, with the list of redemption partners being much larger than the list of partners you can earn at! You can see the return for the 5 partners I chose is in the 0.3% to 0.8% range. Not huge, but when you place that on top of the credit card rewards and the merchant's own program you are just increasing your return.


For some it may take sometime to get to a redemption level but they do offer bonus points offers like this Tim Hortons offer that was on the app for me to build your balance up:


The biggest sticking point people may have with Drop is how they get the information on your purchases. Unlike the big U.S. based dining rewards program that tracks you credit card number (just the number, no expiry, no security code) Drop requires you to submit your login information for your financial institution or your credit or debit card issuer. This can be going against the fraud protection that banks and issuers provide on their products as most have the clause in their T&C's that you must not divulge your login information to anyone. As I mentioned before I was reluctant to do so when I signed up but went ahead so I could try it out and actually write this post. I asked drop about this security concern along with some other questions:

1. By providing the credit card login credentials I am essentially breaking most banks rules about not providing that information to anyone hence it could nullify the fraud protection provided by them correct?

Drop: This is a bit of a grey area. When mint.com launched, the banks could see the value of opening up their data through these third party APIs Since then the banks have been more open to fintechs with their data. We are in fact in discussions with all the top Canadian banks. 

2. Is drop accessing the spend on my cards via my personal account with cards like Amex etc. or is spend data being provided to you based on the credit card number directly from your third party provider (the latter is how the U.S. based dining rewards programs work, as you don’t provide log in details)

Drop: We access your account directly, whether through our third party provider APIs, or direct integration with APIs provided by the banks... it is the same technology used by Mint, Acorns and Robinhood. Plaid is backed by very credible investors with Goldman Sachs as the lead. 


I won't post the third question but it revolved around some research I did that one Canadian bank was blocking Drop and Drop did tell us that bank is not fully integrated with Drop yet however it is in the works.

Now Drop does not store your login credentials after your initial linking. Here is an excerpt from their Security page:

How are you able to access my transaction data without storing my account credentials?

To access your transaction data, our system transforms your credentials into a key that is meaningless out of context, even to us. No one will be able to tell from our system which account is yours once linked.
I do recommend reading their Security page if you do have concerns.

Overall I really like the concept of Drop but am torn on whether I will use it or not. Of course I want to be rewarded as much as possible but I have to say I am not fond of how the data is accessed.  I don't know, maybe it's because I'm old and not a millennial that I have these security concerns. I know when I was younger I didn't care as much about things like credit card security and such.  I'd love to hear what our readers think. Have you been using Drop and are you loving it? If you haven't heard of Drop are you going to consider joining or do you have the same concerns that I do?
          SA banks will turn threats into opportunity   
banking-industryDigital transformation is a challenge for all sectors in South Africa, and increasingly so in the banking and financial services industries. This industry has seen an influx in innovative fintech and digital banking competitors, causing the existing players in the industry to reassess their business models. This year will see the banking sector adapt to […]
          The Blockchain Fuels Startups—Unlike Any You've Ever Seen - Wired   
@SpirosMargaris, @aleks_kins
          Software Engineering Lead &ndash Fintech &ndash Payments   
Software Engineering Lead for open source tech startup building the next generation of mobile payment solutionsIf you are a passionate open source technologist someone who enjoys using new innovative tools and technologies such as functional programming and have an interest in building scalable robust applications then this may be the opportuni
          Software Developer - Fintech Fund Services - Vancouver, BC   
Our platform connects manufacturers, logistics providers, distributors, and retailers, allowing them to more efficiently manufacture, distribute, and sell their...
From Fintech Fund Services - Sat, 01 Jul 2017 10:46:58 GMT - View all Vancouver, BC jobs
          HWSWeekly: Ejnye Google!   
Terítéken az online bankszámlanyitás, az égbe szökő GPU-árak, Petya és a Google bírság.


          Az MKB is izzítja az online számlanyitást   
Nem kell már sokáig bankfiókba menniük az MKB-hoz vágyakozóknak, hamarosan a pénzintézet is elindítja az online számlanyitást. Az első ötezer ügyfelet a bank ötezer forinttal bátorítja.


          The Crypto Consortium certifications for professionals   

It is not about crypto but fintech. Anyone heard of this certification?

https://www.certfintech.org


          Ask FG: data source for stocks relisting   

@dailyfintechrocks great find, thanks. This is the sort of Q&A and useful knowledge exchange that we envisaged when we launched Fintech Genome a year ago.


          Ask FG: data source for stocks relisting   

@dailyfintechrocks I thought it would be easy but it is not. Tells me the idea is good ie if it is hard to get then having it gives an information advantage. But not found it yet so I need to keep searching. Any ideas?


          Customer Service Representative - Buyatab - Vancouver, BC   
We’re a finTech maverick and officially one of the most popular technology companies in BC. Customer Service Representative (Part-time)....
From Buyatab - Tue, 06 Jun 2017 13:06:33 GMT - View all Vancouver, BC jobs
          #FinTech, #Finanzen, #Wirtschaft + mehr 24.06. – 30.06.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz, Robotik, Data Analytics Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 24.06. – 30.06.2017 @blicklog" on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 16.06. – 23.06.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz, Robotik, Data Analytics Zum Tode von Helmut Kohl Nach der Wahl in Frankreich Ökonomie, Politik und Gesellschaft Banken und Finanzmärkte Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 16.06. – 23.06.2017 @blicklog" on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 10.06. – 16.06.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz, Robotik, Data Analytics Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Parlamentswahlen in Frankreich Management und Praxis Wissenschaft Blickrand [View the story „#FinTech, #Finanzen, #Wirtschaft + mehr 10.06. – 16.06.2017 @blicklog“ on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 3.06. – 9.06.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Krise im Nahen Osten US-Politik unter Trump Management und Praxis Blickrand [View the story „#FinTech, #Finanzen, #Wirtschaft + mehr 3.06. – 9.06.2017 @blicklog“ on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 27.05. – 2.06.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Austritt der USA aus Klimaabkommen Management und Praxis Blickrand [View the story „#FinTech, #Finanzen, #Wirtschaft + mehr 27.05. – 2.06.2017 @blicklog“ on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 20.05. – 26.05.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Banken und Finanzmärkte Anschlag in Manchester Ökonomie, Politik und Gesellschaft Management und Praxis Wissenschaft Blickrand [View the story „#FinTech, #Finanzen, #Wirtschaft + mehr 20.05. – 26.05.2017 @blicklog“ on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 13.05. – 19.05.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Krypto-Trojaner WannaCry Künstliche Intelligenz Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Trump unter Druck Landtagswahl in Nordrhein-Westfalen Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 13.05. – 19.05.2017 @blicklog" on Storify]
          Fintech elektrisiert die Finanzbranche, noch nicht die Kunden   
Digitalisierung und Financial Technology (Fintech) elektrisiert die Finanzbranche längst über alle Hierarchieebenen. Aus dieser Richtung betrachtet, boomt der Fintech-Sektor. Doch die meisten Menschen haben noch nie etwas davon gehört. Darum geht es in meiner neuen Kolumne für Capital, die unter dem Titel erschienen ist: Fintech? Nie gehört
          #FinTech, #Finanzen, #Wirtschaft + mehr 06.05. – 12.05.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft re publica Künstliche Intelligenz Banken und Finanzmärkte Management und Praxis Ökonomie, Politik und Gesellschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 06.05. – 12.05.2017 @blicklog" on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 29.04. – 5.05.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Wahl in Frankreich Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 29.04. – 5.05.2017 @blicklog" on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 22.04. – 28.04.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Rekord beim DAX Banken und Finanzmärkte Wahl in Frankreich Ökonomie, Politik und Gesellschaft 100 Tage Trump-Präsidentschaft Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 22.04. – 28.04.2016 @blicklog" on Storify]
          #FinTech, #Finanzen, #Wirtschaft + mehr 15.04. – 21.04.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Banken und Finanzmärkte Management und Praxis Weltpolitik Ökonomie, Politik und Gesellschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 15.04. – 21.04.2016 @blicklog" on Storify]
          FinTech-Talk Folge 5: DKB und WebID Solutions revolutionieren Online-Banking   
Manuel Koch im Gespräch mit Steffen von Blumröder (DKB) und Frank Jorga (WebID Solutions).
          Deutsche Welle: Banks vs Fintech firms: Rivals or partners?   
none
          #FinTech, #Finanzen, #Wirtschaft + mehr 8.04. – 14.04.2017 @blicklog   
Fintech, Bankinnovationen, Blockchain und Kryptowährungen Digitale Wirtschaft Künstliche Intelligenz Banken und Finanzmärkte Ökonomie, Politik und Gesellschaft Management und Praxis Wissenschaft Blickrand [View the story "#FinTech, #Finanzen, #Wirtschaft + mehr 8.04. – 14.04.2016 @blicklog" on Storify]
          SAPVoice: 5 Fintech Breakthroughs Impact Your Money And Health   
Disruption isn’t just for upstarts, machines won’t replace people, and you’ll soon be excited to have your next conversation with your life insurance company were among the thoughts fintech innovators shared at the launch of the SAP Next-Gen Innovation Community for Financial Services.
          Senior Business Analyst- Fintech Company   
Elevate Credit International Limited - Bury St Edmunds, Suffolk - company Elevate is a successful and expanding International Financial Services business, with offices in London, Suffolk and the..., happy and healthy working environment. We offer free food, drinks and healthy snack options to keep you going throughout the day. The company...
          CRM Communications Executive- Fintech company   
Elevate Credit International Limited - Central London - timescales - Exceptional attention to detail - Proficient with Microsoft office and outlook About the company Elevate...
          Chief Technology Officer (for FinTech Startup) - Ferst Digital - Toronto, ON   
Expert knowledge in at least one modern programming language, experience with relational and nonrelational databases, designed complex and secure server...
From Indeed - Thu, 29 Jun 2017 12:36:24 GMT - View all Toronto, ON jobs
          Update: 筷来财 (Finance)   

筷来财 3.1.2


Device: iOS iPhone
Category: Finance
Price: Free, Version: 3.1.1 -> 3.1.2 (iTunes)

Description:

筷来财描述
筷来财,美食金融倡导者,专注于餐饮供应链的投融资服务平台。我们为用户提供安心、好收益的理财产品。项目预期年化收益率9-11%,100元起投。
【功能介绍】
实时查看理财项目详情,支持多家银行快捷充值,随时查询个人账户信息。
【安全保障】
1.360度天眼风控体系
2.担保/资管公司提供安心计划保障
3.项目应收账款均在央行征信中心质押登记
4.中金支付提供账户托管服务
【股东背景】
筷来财获得联创永宣、松树资本、九合创投等三家知名VC的超千万元天使投资,并获得由联创永宣与观复资本共同发起和管理的专业Fintech基金领投的数千万元Pre-A轮投资。主投资方联创永宣(833502)管理基金规模约30亿美元,已投资了160家公司,40家在境内外成功上市。
【联系我们】
联系电话:400-890-9955 (工作日 9:00-18:00)。

What's New

本次更新提示和说明文字,让筷友们投资更清晰。

筷来财


          IATAI Enterprises launches onepocket   
IATAI Enterprises launches onepocket

FinTech and InsurTech company IATAI Enterprises launches onepocket, a mobile/digital payment method that extends Visa Checkout online and in-store

Visa Checkout is an online checkout service from Visa that allows customers to make purchases quickly and easily from their smartphone, tablet, laptop or PC. Only a username and password are required to pay with Visa Checkout, eliminating the need to re-enter shipping and billing addresses.

onepocket offers several additional benefits to Visa Checkout users:

  • It enables Visa Checkout to be used not only online, but also in-store;
  • It can be used to pay not only with debit and credit cards but also with reward points, as well as to redeem gift points and access exclusive benefits;
  • It can combine several payment methods in a single checkout;
  • Its rewards program offers points up to 5% of the customer’s purchase value over and above points earned through the customer’s credit card or bank loyalty program; and
  • Within onepocket, customers can access handy mCard, a mobile protection and benefits card that provides global access to hotel and transportation discounts, trip cancellation insurance, emergency medical coverage, theft protection, data protection and other services, for a small fee.

Continue reading IATAI Enterprises launches onepocket at insights365.


          Freedom Financial Network Expands in Tempe with 300,000-Square-Foot Office Campus   

Fintech company to add 500 more employees in 2017; holds June 22 hiring event.

(PRWeb June 15, 2017)

Read the full story at http://www.prweb.com/releases/FreedomFinancial/TempeHiring/prweb14427986.htm


          Freedom Financial Network Offers New Grads 8 Steps to Straight A's in Money   

Fintech company advocates habits of budgeting, saving, avoiding debt

(PRWeb June 02, 2017)

Read the full story at http://www.prweb.com/releases/2017/06/prweb14391053.htm


          Freedom Financial Network Reaches Milestones in Consumer Debt Relief, Loans Issued   

Fintech leader marks $6 billion in debt negotiations, $1 billion in personal loan originations

(PRWeb May 10, 2017)

Read the full story at http://www.prweb.com/releases/2017/05/prweb14320062.htm


          Freedom Financial Network Adds C-Level Execs, Continues to Invest in Growth   

Bay Area fintech company expands team with experienced CFO, CMO, VP, EVP.

(PRWeb April 05, 2017)

Read the full story at http://www.prweb.com/releases/2017/04/prweb14211007.htm


          Comment on Australia ranks fifth in world for fintech adoption, but the sector says there’s a long way to go by Mark Zmarzly   
Nice mention of Lincoln, NE from my new Aussie friend Manfred! Happy to host you!! First of many meetings, I hope!
          financial technology investment start ups and funding trends   

the state of the financial investment ( fintech sector) the 50 best companies that changed the way technology is used across the financial sector; A snapshot and report from Silicon valley bank
          Software Developer - Fintech Fund Services - Vancouver, BC   
Our platform connects manufacturers, logistics providers, distributors, and retailers, allowing them to more efficiently manufacture, distribute, and sell their...
From Fintech Fund Services - Sat, 01 Jul 2017 10:46:58 GMT - View all Vancouver, BC jobs
          Comentario en Países qué más usan los servicios fintech #infografia #infographic por Países qué más usan los servicios fintech #infografia #infographic - GjavierMartinC.com   
[…] #Infografía – Países qué más usan los servicios fintech #infografia #infographic relacionado con Economía, Infografía, Sociedad de la información, internet, tic     Vía: TicsyFormación […]
          PROMOTOR DE CREDITOS MEJORAVIT- IMSS - Broxel Fintech - Playa del Carmen, QRoo.   
*Innovamos con tecnología financiera para revolucionar los medios de pago, basadas en tecnología financiera, con el objetivo de crear ecosistemas financieros $7,000 al mes
De Indeed - Tue, 30 May 2017 23:18:05 GMT - Ver todos los empleos en Playa del Carmen, QRoo.
          BBVA abrió convocatoria para emprendedores fintech con premio de 30.000 euros   
Las finales regionales se realizarán en Medellín el 13 de julio; en Cali el 18 de julio y en Bogotá el 27 de julio.
Sección: 

          Na hypoteční trh vstoupil nový hráč, chce zprostředkovávat úvěry s garancí nejnižší sazby   
Internetový fintech projekt hypo360 slibuje zprostředkování hypoték s nejnižší sazbou na trhu, společnost také vrátí klientovi 50-60procentní provizi, kterou obdrží od banky.