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Die #Tessiner Kantonalbank bietet unter ihrem Label «TiHome» neu eine #Online-Hypothek an. Die technische Plattform und das digitale Banking Know-how dazu erwirbt die Tessiner Kantonalbank auf Lizenzbasis von der Glarner Kantonalbank.
Ab sofort bietet die Tessiner Kantonalbank basierend auf der technischen Lösung der Glarner Kantonalbank, aber unter eigener Marke eine Online-Hypothek an. Die Tessiner Staatsbank ist nach der Freiburger Kantonalbank bereits die zweite Lizenznehmerin.
Dank dem technologischen Know-how, welches sich die Glarner Kantonalbank mit ihren eigenen Online-Produkten im digitalen Banking aufgebaut hat, kann sie sowohl ihre modernen Systemlösungen unter der Marke Softlink als auch ihre Serviceleistungen der Kreditfabrik anderen Finanzdienstleistern anbieten.
The post Neuer Tessiner Online Hypotheken Anbieter appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.
Die #Crowdfunding–#Plattform ideenkicker.ch des Gemeindeverbandes Lebensraum Lenzburg Seetal (LLS) und der Hypothekarbank Lenzburg bringt Ideengeber sowie Ideenunterstützer zusammen. Erstmals wird darauf auch ein Infrastrukturprojekt der öffentlichen Hand zur Schwarmfinanzierung ausgeschrieben.
Ideen verwirklichen? Spannende Projekte unterstützen? Gemeinsam die Region Lenzburg-Seetal stärken? . Auf der Plattform finden Projekte und Ideen ihre Unterstützer. Einzelpersonen, Teams, Vereine, Institutionen, Unternehmen oder die öffentliche Hand aus der Region Lenzburg-Seetal profitieren vom einzigartigen #Online-Treffpunkt.
Die Plattform nutzen Ideengeber für die Kommunikation ihrer Projekte und die Suche von Geldgebern, Ideenunterstützer finden darauf regionale Ideen und Projekte, welche finanzielle Unterstützung benötigen.
„Mit #ideenkicker.ch schafft der LLS gemeinsam mit der Hypi eine Plattform, welche der Grundidee unseres Verbandes entspricht: der Vernetzung und Unterstützung von regionalen Massnahmen und Projekten und der Erhöhung der Standortqualität“, freut sich Daniel Mosimann, Präsident des LLS. Für Marianne Wildi, Vorsitzende der Geschäftsleitung der Hypothekarbank Lenzburg AG, ist das Engagement ihrer Bank ein weiteres Zeichen für die regionale Verbundenheit.
„Die Zusammenarbeit mit dem LLS in diesem Projekt hat sehr gut funktioniert. Wir sind überzeugt, mit der Online-Plattform einem Bedürfnis der regionalen Bevölkerung zu entsprechen.“
Named after Marcus #Goldman, one of the firm’s founders, Marcus by Goldman #Sachs is a new business that benefits from the firm’s 147-year history of financial expertise, risk management and customer service. Marcus provides consumers with a transparent and simple approach to consolidate their high-interest credit card debt. At Marcus.com, credit-worthy borrowers can apply for fixed-rate, no-fee personal loans of up to $ 30,000 for periods of two to six years.
“For many who manage debt payments on high-interest rate credit cards, a straight-forward personal #loan is a better solution,” said Harit Talwar, head of Marcus by Goldman Sachs. “Marcus offers an option for consumers who are searching for a simpler alternative to credit card borrowing, where rates can change and multiple fees can be charged.”
The Marcus team listened to thousands of consumers share their experiences managing personal debt. This feedback was central to the design of the Marcus personal loan product and the customer experience. We heard that:
-Consumers are tired of hidden fees. Marcus has no fees.
-Consumers are stressed by unexpected changes in interest rates on credit cards. Marcus offers fixed rates throughout the term of the loan.
-Consumers are disgruntled by pre-assigned payment dates and limited payment options. Marcus enables customers to choose their monthly payment date and a payment option designed to fit their budget.
-Consumers are frustrated with automated machines instead of being able to speak to someone directly when they need assistance. Marcus has U.S.-based, dedicated loan specialists who deliver live, personalized support.
Initially, applications on Marcus.com will require a code that millions of prospective customers will receive by mail. The feedback we expect to hear from the initial group of customers will help us to refine the Marcus experience. In the coming months, Marcus will offer our personal loan product to a broader audience.
Featured Image is from goldmansachs.com
The post Goldman Sachs Launches New Online Personal Loan Platform appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.
#Banks only care #about millennials, right? Not really, though marketing about digital efforts may make it appear that way. Yesterday #Capital One, a leader in digital #banking, joined OATS (Older Adults #Technology Services) in launching‘“Ready, Set, Bank: #Online Banking Made Easy,’” an educational tool designed to increase online banking usage among older adults, enabling themRead More
#Regions Financial Corp. is using its upcoming #Avant deployment as an opportunity to “refresh” its #digital #offerings. The bank’s CEO, Grayson Hall, said yesterday during the company&8217;s earnings call that the Avant loan application service will go live next month. The Regions-Avant partnership was announced last April. &8220;[W]e&8217;re in the process evenRead More
#Fintech ventures have long been praised for providing products that suit consumers’ changing behavior and expectations, but also for providing financial services to demographics that have been so far excluded.
Whether it is for rural populations in developing countries or SMEs struggling to get a business loan, #fintechs are smart in the way they target specific niches and markets, focusing on one product range, optimizing processes and leveraging #technology and digital platforms to cut costs, and thus, prices.
One demographic that has become more and more appealing to entrepreneurs is #women. This is mainly because women clients are finding that financial institutions are not meeting their specific needs. A Boston Consulting Group survey found that of all the industries that affect their daily lives, women feel most dissatisfied with the financial services industry, and this, on both product and service levels.
Investing in particular is an area where women substantially differ from men. Studies have found that women are more conservative when it comes to investing and more insecure regarding their ability to invest. Other researches have suggested that women are actually better investors than men, preferring a more long-term approach, trading less frequently and sticking with their asset allocations.
As automated investment services – so called #robo-advisors &8211;, continue to expand into niche offerings, #online financial advice and portfolio #management is becoming more accessible to a broader variety of investors, including women.
Miss Kaya will be Southeast Asia&8217;s very first woman-focused robo-advisor. Founder Gina Heng, who simultaneously serves as CEO and co-founder at Marvelstone Group, has worked as a venture partner at Yozma Ventures, and co-founded asset management firm One Asia Investment Partners and Leonie Hill Capital in Singapore.
In a recent interview with the Singapore Business Review, Heng explained what pushed her to launch this particular venture.
&8220;We want to bring a new wave of innovation by providing a robust, automated, algorithm-powered, wealth management platform. Miss Kaya, by being the first women-driven robo-advisory platform in Asia that caters to their very needs, serves to empower them to achieve longer-term financial goals and allow them to pursue their dreams.&8221;
The company plans to pre-launch its website some time this month, starting with offering financial education materials and a beta version of its personal portfolio management services. Later, it will offer full financial advisory services for women to manage their own finances, Heng said.
Miss Kaya follows the likes of Ellevest, Worth Financial Management (WorthFM), SheCapital and Women Investor Now (WIN), which are all offering woman-centric financial services.
Ellevest, which launched in May, was founded by former Citigroup CFO Sallie Krawcheck and works much like more-established players such as Betterment and Wealthfront. Ellevest creates financial portfolios made of exchange-traded funds based on a user&8217;s timeline and risk tolerance. It also offers investment products such as Roth IRAs, traditional IRAs and investment accounts, and makes money by charging users a fee as a percentage of assets managed.
Ellevest takes into account female professionals&8217; unique needs such as the fact that women live longer than men and the fact that they tend to earn less than men.
Ellevest raised US$ 10 million in a funding round led by Morningstar in September 2015.
WorthFM, a digital investing platform by DailyWorth, was designed to engage and educate women as their investments grow. Launched in private beta in March, the platform builds one&8217;s portfolio by taking into account the client&8217;s personality, strengths, fears and sabotage patterns.
SheCapital, which launched in 2015, targets female investors and aims at closing the gender gap in financial advice. The platform was designed to act as a one-stop shop for women who are looking to invest.
Similarly, WIN aims at acting as an all-in-one platform integrating financial planning, investing, real-time money management tools, Robo and custom investment portfolio management, and curated content.
For Switzerland we haven&8217;t yet spoted a similiar Fintech Startup.
Featured image by Andresr via Shutterstock.com.
Recently H&M opened its doors here in Australia. Devoid as we have been for some time down under of fast fashion, the past few years have seen a flood of global retailers open on our high streets, including Zara, Gap, Uniqlo and Forever 21 to name a few. In my university days overseas, H&38;M was…Read more The big #Apple to #square off #against #online #payment #giants