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The “American Dream” was one of those overused buzzwords until a few decades ago. That promise of "No matter who you are, where you come from, if you work hard to reach your goal, you can achieve success" drew several aspiring entrepreneurs to the land of opportunities. Due to the drastic and dramatic changes in the American society ov
30 May 2017 /startups
Sameer Singh Jaini CEO at www.TheDigitalFifth.com
Fintechs have started collaborating with banks across multiple areas and have begun helping the bank in building innovative products / services. This collaboration is happening across lending, deposits, payments (UPI leads the way), investments etc. This new relationship amongst Banks and Fintechs is creating immense pressure on bank’s internal sys...
24 May 2017 /retail
At least 10 teams in Germany are currently trying to build a new fully digital insurer. Among them are for example the startup Ottonova from Munich or the Finleap Venture Element. Other young tech companies secretly work on their ventures. There are significant entry barriers to build a digital insurer in Germany and it holds a lot of risks. With
17 May 2017 /startups
This year started out to be yet an exciting one for Financial Technology, I think it is safe to say 2017 is “the year of Fintech”. I support my statement by drawing attention to the growing interest in these solutions among traditional retail banks. The consumer wants their life to be as mobile as possible, so even the traditional banks have been ...
16 May 2017 /inclusion
The banking sector simply isn't lending. And when they are, lending to the wrong businesses. Access to finance continues to be a significant concern for small to medium sized enterprises (SMEs) compared with large enterprises. More SMEs experience issues with bank loan financing compared with corporates. This is worrying considering for two reason...
11 May 2017 /retail /startups
Business banking sucks. From accounting to invoicing and the awful customer service, business banking is painful. Our team had loads of pains with business banking. But did other people feel the same way that we did? We sat down with 100 businesses face to face for 45 minutes each to find out. We wanted to figure out what bothers businesses with t...
09 May 2017 /retail /startups
Keith Bear Vice President, Financial Markets at IBM
Jessi Baker, the Founder and CEO of Provenance, recently said: “At its heart, a blockchain is a system that allows people who don’t trust each other, to trust each other.” There is no doubt that blockchain is all about bringing trust to transactions. For almost any supply chain – be it food, medical records, precious gems and minerals, real esta
06 May 2017
Why loyalty matters There is one simple reason why you should read this article. | “The purpose of business is to create and keep a customer.” — Peter Drucker How do you keep a customer? With the help of loyalty. However, loyalty is one of those words that are frivolously thrown around left and right. What does loyalty truly mean, when it comes...
06 May 2017 /retail /startups
Last week I mentioned my efforts to produce an algorithm on CloudQuant.com. As a reminder, they are a strategy incubator that provides historical data going back to 2011. If you can produce a trading or investment strategy that produces decent results they will license the algo from you and pay you a portion of the profits from that strategy. You...
01 May 2017
Abhishek Chatterjee Managing Partner at Gartner Inc.
Post financial crisis, FS institutes are mainly focusing on improving cost income ratio (reduce cost base), leverage ratios (improve quality of assets and comply with regulations) and return on equity (improve profitability). While banks were busy running a tight ship, there is a parallel ecosystem of fintech and other startups came along and start...
29 April 2017 /startups
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