Hyperledger Director Draws Dividing Line With ‘Umbrella’ Statement
The new #director of #blockchain consortium Hyperleder lays out plans going forward and makes clear that competitors will be expected to cooperate.
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19 Swiss Banks As Solutions For Fintech Challenges
Die Schweiz hat mehr und mehr #Fintech Startups und Initiativen. Schweizer Banken versuchen aufzuholen oder sich gegen grosse Player zu positionieren (bspw. ApplePay) und haben eine Vielzahl von (Gegen)-Initiativen gestartet. Teils zusammen mit den Fintech Startups oder im Alleingang.
Luc Schuurmans hat in einen kürzlichen Tweet eine ” 19 #Swiss #Banks Answers to the Fintech #Challenges Map&8221; präsentiert die wir hier gerne zeigen.
Digital Wealth Management
Der Investomat ermöglicht themenorientierte Anlagen ab 5’000 Franken im Rahmen von Exchange Traded Funds (ETF). Das Cockpit ermöglicht die Simulation, laufende Transaktionsübersicht und historische Wertenwicklung des gewählten Profils.Kontomat
: Der Kunde kann Kündigungsfristen beim Sparkonto und Laufzeiten bei Festanlagen beliebig bestimmen und kombinieren. Einfache Benutzerführung und gut verständliche Funktionen machen die Lösung leicht bedienbar und sichern jederzeit die vollständige Uebersicht beim Sparen und Anlegen bequem von zu Hause aus.Swissquote: vergessen ging in seiner Aufstellung hier noch das E-PrivateBanking von Swissquote
Payments
Paymit ist ein Zahlungsmittel, welches das Senden und Anfordern eines Geldbetrags mit dem Smartphone zwischen zwei Privatpersonen (P2P = Person to Person) sowie das Bezahlen von Waren und Dienstleistungen in Geschäften (P2M = Person to Merchant) in Echtzeit ermöglicht. Paymit ersetzt somit das Bargeld in vielen alltäglichen Situationen. Mit Paymit können Sie zum Beispiel Wohngemeinschafts-Einkäufe oder Restaurant-Rechnungen unter Ihren Freunden oder Bekannten teilen. Zunehmend ist der Einsatz von Paymit auch bei Kleinhändlern möglich.
Twint ist eine Payment- und Shopping-App. Egal, ob an der Ladenkasse, im E-Commerce, an Automaten oder zwischen Freunden. Mit TWINT zahlst du einfach mit dem Smartphone und profitierst gleichzeitig von attraktiven Angeboten und Shoppingtipps. Das ist praktisch und sicher zugleich. Die Händler profitieren von günstigen Transaktionskosten sowie einer neuen mobilen Marketingplattform.
Credit
Hypomat ist ein Vertreter der jungen Generation der Online-Hypotheken. Hier finden Sie eine Übersicht über dessen Produktwelt. Wer die Zinsen und Produkte der Schweizer Anbieter von Hypotheken vergleicht, bei mehreren Instituten Offerten einholt und auf deren Basis nachverhandelt, kann über die Jahre tausende von Franken sparen. Ein wichtiger neuer Anbieter ist Hypomat, der die Online-Hypotheken Sparte der Glarner Kantonalbank darstellt.
FRiBenk. Online-Hypothek mit sofortigem und verbindlichem online Kreditentscheid. Günstige Zinsen. Transparente Konditionen. Keine versteckten Zusatzkosten
DigiHyp. 0.3% Zinsvorteil mit digihyp, der Online-Hypothek der Bank Coop. Bis 2 Jahre im Voraus den tiefen Zins sichern. Sofortangebot innerhalb weniger Minuten.
e-hypo ist das Online Hypotheken Angebot der Schwyzer Kantonalbank. Hier finden Sie einen Überblick über deren Hypo-Produkte. Speziell ist: e-hypo löst nur bestehende Hypotheken ab, offeriert also keine Neuhypotheken. Wer die hiesigen Hypotheken Anbieter vergleicht, mindestens drei Offerten einholt, dabei sowohl Banken als auch Versicherungen mit einbezieht und die Offerten konsequent nachverhandelt, kann über die Laufzeit eines Immobilienkredits tausende von Franken sparen.
Die HomeGate AG mit Sitz in Zürich ist ein Schweizer Internetunternehmen und Betreiberin des gleichnamigen Immobilienportals. Sie gehört der Tamedia in Zürich sowie der Edipresse Publication Romandie in Lausanne. Neben dem Betrieb eines Immobilien-Marktplatzes mit verschiedenen Zusatzfunktionen publiziert Homegate auch einen monatlichen Mietzins-Index.Advice
UBS ist eine der 30 Grossbanken, die vom Financial Stability Board (FSB) als «systemically important financial institution» (systemisch bedeutsames Finanzinstitut) eingestuft wurden. Sie unterliegt damit einer besonderen Überwachung und strengeren Anforderungen an die Ausstattung mit Eigenkapital. Die Eidgenössische Finanzmarktaufsicht (FINMA) nimmt die Aufsichtsfunktion wahr.
Credit Suisse ist eines der grössten global tätigen Finanzdienstleistungsunternehmen mit Hauptsitz in Zürich. Die Bank ist eine der 30 Grossbanken, die vom Financial Stability Board (FSB) als «systemically important financial institution» (systemisch bedeutsames Finanzinstitut) eingestuft wurden. Sie unterliegt damit einer besonderen Überwachung und strengeren Anforderungen an die Ausstattung mit Eigenkapital.
Die Baloise Bank SoBa AG mit Sitz in Solothurn ist fest im Kanton Solothurn verankert. Mit der Übernahme der Solothurner Bank SoBa – vormals Solothurner Kantonalbank &8211; durch die Baloise Group im Jahre 2000 und der folgenden Implementierung des partnerschaftlichen Geschäftsmodell erhielt die Baloise Bank SoBa dank dem Aussendienst der Basler Versicherungen Zugang zu einem schweizweiten Vertriebsnetz.
Bank Linth mit Sitz in Uznach ist eine stark im Linthgebiet und am oberen Zürichsee verankerte Schweizer Universalbank. Sie beschäftigt 256 Mitarbeiter und hat eine Bilanzsumme von 5.099 Milliarden Schweizer Franken (per Ende 2011). Das Unternehmen ist an der Schweizer Börse SWX Swiss Exchange kotiert und befindet sich seit 2007 zu 74,2 Prozent im Besitz der Liechtensteinischen Landesbank.
YNOME is a digital marketplace which helps you review, compare, and select financial services from private banks to fintech&8217;s.
Funding
Miteinander-erfolgreich ist die Crowdfunding-Plattform der Basellandschaftlichen Kantonalbank BLKB zur Finanzierung von Projekten und Ideen in der.
I Believe in You. ibelieveinyou.ch ist die erste Crowdfunding-Plattform, die sich ganz auf die Finanzierung von österreichischen Sportprojekten spezialisiert. Einzelsportler, Mannschaften, Freizeit-, Breiten- oder Spitzensportler, Vereine oder Veranstalter können über die Plattform ihre Projekte bekannt machen und finanzieren. Außerdem soll so dem österreichischen Sport Zugang zu bisher nicht erschlossenen privaten Mitteln verschaffen und die Solidarität der Bevölkerung für den österreichischen Sport fördern.
LokalHelden: die Spendenplattform für Vereine und gemeinnützige Organisationen. Ein Engagement von Raiffeisen.
Other
Die Hypothekarbank Lenzburg mit Sitz in Lenzburg ist eine stark im Kanton Aargau verankerte Schweizer Regionalbank. Sie beschäftigt 216 Mitarbeiter und hatte per Ende 2014 eine Bilanzsumme von 4,548 Milliarden Schweizer Franken. Das Unternehmen ist an der Schweizer Börse SIX Swiss Exchange kotiert.
Crowders.ch crowders.ch ist eine elektronische Plattform, auf der Einsteiger, Kenner und Spezialisten die Kursentwicklung der Swiss Leader-Index-Titel (SLI®) prognostizieren. Der SLI®-Index umfasst die 30 liquidisten und grössten Schweizer Aktientitel.
The post 19 Swiss Banks As Solutions For Fintech Challenges appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.
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The Most Talked-about Companies at Finovate Weren’t Onstage
The #most talked-about #companies at #Finovate Fall 2016 weren’t even presenting on the stage at the New York Hilton last week. But they represent everything #fintech innovators love to love and love to hate: The Succesful Disruptor and The Evil Bank. If Amazon was the North Star — a beacon of simplicity &8212;Read More
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Hyplerledger Director Draws Dividing Line With ‘Umbrella’ Statement
The new #director of #blockchain consortium Hyperleder lays out plans going forward and makes clear that competitors will be expected to cooperate.
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French Bank BNP is Testing Blockchain for Mini-Bonds
BNP Paribas has announced its latest #blockchain project will focus on ‘mini-bonds’ for small investors.
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BREXIT – A Catalyst For Blockchain Technology?
#Brexit — this topic has been in everyones mind for the prior weeks as I traveled across Germany and the US, not only in financial services. Nevertheless, today the first shock in financial services has gone and according to my opinion the Brexit has the potential to become THE game changer for implementing #Blockchain #Technology — fast track. Not only in financial services.
“We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten.” – Bill Gates
But why? Currently London is to the European Union as Manhattan is to the United States. But why is London so important for Financial Services in Europe? European finance depends on the „City“, not to mention London’s dominance of financial services in UK: London is representing 9.6% of the United Kingdom’s GDP. Globally the FCA is one of the most innovative regulators, not only in terms of #passporting and #sandboxing for #FinTech Startups. According to my opinion, passporting, sandboxing and a new EU bureaucratic for the UK could be the game changer in terms of Blockchain.
First: What’s passporting?
To break it down: when you get a license for financial services in one country, you are able to passport this license to other countries, meaning you don’t have to spend money on applications for each country, learning different languages and wait to got through the bureaucratic application processes for all the European member states. A great approach for global acting financial institutions — with this approach London established itself as a financial service gateway to the European Continent.
Second: What’s sandboxing?
The UK regulator, the FCA, established a safe space for FinTech startups, where businesses can test innovative products, services, business models and delivery mechanisms. Means building new businesses in a live environment without immediately incurring all the regulatory consequences. Linked to this approach for FinTech Startups, the FCA established a safe space for Blockchain Startups early 2016 as well. Blockchain Startups should experiment in a safe environment with financial service technology. All the efforts are underlined by the support of the Central Bank of England — the Central Bank of England has taken steps to explore the potential of Blockchain Technology as well.
Third: This brings me to the point >> passporting, sandboxing and a new EU bureaucratic for the UK could be the game changer in terms of Blockchain and Brexit, but why?
Taking the real opportunity for the UK and the European Union is to use the current time of uncertainty of leaving the EU to take action. Action in terms of implementing a new technology. For instance currently it is rather uncertain that global #banks will keep the passportability of their licenses as well as staying in the UK. Banks need new incentives for staying in the UK.
From Pixabay
To break it down shortly — incentives for Banks and the UK in relation to Blockchain could be (extract):
&8211; Value Innovation — using sandboxing for establishing new standards to record, exchange, and trade assets as well as liabilities. Replacing traditional exchange and centralized markets as well as lowering barriers for business creation
&8211; Re-Architecting the EU bureaucratic — implementing a document formation and management system for self-enforcing contracts (so called smart contracts) between the EU und UK
&8211; Rebuilding Government and Democracy — rekindling the public’s trust in political institutions in the UK by establishing greater transparency and accountability in voting on the Blockchain
New difficulties, but also great opportunities arise in our digital interconnected world between the EU and UK. London and the UK must act and innovate &8211; more than ever &8211; to ensure London’s preeminence as a global financial hub.
The potential is big: the FCA has an innovative approach for Blockchain Startups and Banks — trial and error: this is unique in the European Union and might be one reason for Banks staying in the UK.
From Pixabay
sandboxing: this is unique in the European Union
Nevertheless, the Brexit was a defeat for the European Idea, but every defeat makes you stronger, learn from the past, adapt the future, be innovative and just try. The Internet of Information was just the start, the Internet of Value has the potential for changing our whole life:
Stand up Europe and implement the Blockchain Technology!
Source: Own Research/ Ideas, Forbes, Fortune
This article first appeared on LinkedIn Pulse. Featured Image: Pixabay
The post BREXIT &8211; A Catalyst For Blockchain Technology? appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.
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Can Friends and Family Help Customers Save Money?
Saving isn’t sexy, and more to the point, it doesn&8217;t earn #banks as much #money as spending does–at least in today&8217;s near-zero interest rate environment. The recent Wells Fargo scandal over unauthorized account openings and the fees that followed them shines a spotlight on a longstanding problem for retail banking: banksRead More
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UK-Based Fintech Companies In Limbo Struggling With Uncertain Post-Brexit Future
#UK-Based #Fintech Companies In Limbo Struggling With Uncertain Post-#Brexit Future
The battle for the world’s fintech hub after the Brexit vote is still clouded by uncertainty, but time is running out.
On September 16, the UK Prime Minister Theresa May told the European Council President Donald Tusk that Britain would likely begin the process of withdrawal from the EU in January or February 2017.
This comment may heat up the battle of which city is likely to become the world’s fintech hub.
Many banking and/or financial related startups have been considering the move to mainland Europe, but the uncertainty surrounding as to when and how the roll-out of Brexit will take place has made the level of change unknown, says Lucas Cervigni, MD of the global #Blockchain consortium, Agentic UK.
Britain-based fintech companies in limbo
A recent Ernst & Young report ranks Britain as still being on top in terms of the global fintech ecosystems. Also, as the world’s fifth largest economy, coupled with the positivity coming from the Financial Conduct Authority (FCA) and regulatory authorities, it is clear that Britain wants the fintech industry, as well as the Blockchain sector, to thrive.
However, there are suggestions that the vote could still take the title away from the UK, particularly as fintech firms have expressed their worries of being cut off from the single market once Britain leaves the EU.
Cervigni noted that with so much unclear at the moment, the only thing they have started to notice happening is that some UK-based fintech startups are experiencing trouble receiving funding. He believes the continued uncertainty around the EU exit is driving this issue. He states in an email:
“For the moment, the majority of the conversation in the fintech industry is around the migration of skills. The ability to hire highly skilled individuals from across not just Europe but further afield is an integral part of the industry’s success in the UK. Many multinational companies in the space have already spoken out about the need for the UK government to consider a special and more lax visa program for these very necessary employees.”
With cities like Berlin, Paris and Zurich preparing to attract fintech firms, and the UK’s Financial Stability Board looking at whether using the Blockchain for processes such as settling transactions could undermine financial systems and if any new rules are needed, the signs that fintech firms in London will move to mainland Europe are still indeterminate.
On a personal note, Cervigni thinks digital currencies and multiple Blockchains have a positive outlook based on current assessment because they have many different use cases, properties, and values which are extremely beneficial across different industries.
“I am confident that both investors and government heavyweights will also be supportive,” he says. “It is clear that these are technologies which should not be fostered out because of the unlimited opportunities they are able to offer.”
[linkedinbadge URL=”https://www.linkedin.com/in/lucascervigni” connections=”off” mode=”icon” liname=”Lucas Cervigni (Lucce)”] is Managing Director – AGENTIC GROUP UK
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Currency in Virtual Reality
How might currency work in a virtual reality?
Of course, I’m just conjecturing here. As you surely have seen, the VR revolution is churning along nicely, but the concept of VR currency hasn’t been wholeheartedly explored just yet.
VR money (kind of like a #bitcoin) could be accumulated through trade of services, sale of objects, privileges, and properties, similar to how it is in the real world. The limits of what can be bought or sold will depend on what the architects of that world allow to be brought in. The want to make a presence, virtually, and communicate with the rest of the world (just as in social media platforms) will likely account for a lot of how money is spent & received initially in addition to general categories of information sharing and entertainment. For example, VR users that go to virtual events might spend virtual money to attend, those that speak/perform/etc receive virtual money, and those that moderate the event (kick obnoxious people out, control sound, scenery, lights, etc…) might receive virtual money. It will equate to real dollar amounts… It’s just a matter of when someone will create a stable and flexible enough universe to support its expansion.
The other night, Reggie Watts performed live (for the second time) in AltSpaceVR – a popular social VR platform. This is something I would be tempted to pay money for – an environment where Reggie Watts can interact with my presence; maybe not my exact body, but with my voice and digital body/head/arm/head/finger movements and personality. Ideally, I would pay for this event using money accumulated in the virtual world, but I’m assuming that the easiest initial move would be to ask people for real money in exchange for some sort of ticket/code.
I imagine that I could work as a part-time programming instructor, or language instructor in VR to earn virtual dollars. What could you do as a service to earn money in virtual reality?
[linkedinbadge URL=”https://www.linkedin.com/in/zachary-j-huberty-91943b78″ connections=”off” mode=”icon” liname=”Zachary J. Huberty”] is Lead Engineer at National Republican Congressional Committee
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Blockchain, Bitcoin In Space. Also, Florida
You might have seen Ripple’s news yesterday, but turns out that is not the only big development in #blockchain this week—it’s now exploring the final frontier. Yep, that’s right: blockchain in #space. If you don’t know, Ripple raised $ 55 million in funding yesterday, as well as adding seven new #banksRead More
Bank Innovation
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