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  • user 3:36 pm on September 10, 2016 Permalink | Reply
    Tags: , banks, , , , , , ,   

    WEF Report Addresses How Blockchain Can Reshape Financial Services 

    #Blockchain #technology, also known as distributed ledger technology, has attracted the interest of the #financial #services ecosystem – and their money.

    Over the past three years, the World Economic Forum (WEF) estimates that some US$ 1.4 billion have been invested into blockchain technology with companies having filled over 2,500 patents during that same period of time.

    Over 90 corporations have joined blockchain consortia and 80% of #banks say they would initiate blockchain projects by 2017.

    As blockchain has become a buzzword in the financial services industry, WEF has conducted a 12-month research to better understand the implication and potential of blockchain technology in the sector.

    WEF blockchain report, the future of financial infrastructureIn a new report titled “The future of financial infrastructure: An ambitious look at how blockchain can #reshape financial services,” WEF details its six key findings:

    Blockchain technology has great potential to drive simplicity and efficiency through entirely new financial services infrastructure and processes.

    For instance, it can reduce and even eliminate manual efforts required to perform reconciliation and resolve disputes. It can also enable real-time monitoring of financial activity between regulators and regulated entities, reduce counterparty risk, enable asset provenance and full transaction history, and disintermediate third parties that support transaction verification and validation thus accelerating settlement.

    Distributed ledger technology should be viewed as one of the many technologies that will transform the foundation of next-generation financial services infrastructure. It should be seen as &8220;part of a toolbox&8221; that includes biometrics, cloud computing, cognitive computing, among other emerging technologies.

    Blockchain technology can be used in many different areas with each use case leveraging the technology in different ways.

    For instance, in trade finance, blockchain enables real-time multi-party tracking and management of letters of credit, as well as faster automated settlement. For global payments, it allows for near real-time point-to-point transfer of funds between financial institutions, removing friction and accelerating settlement. For automated compliance, blockchain technology provides faster and more accurate reporting.

    Blockchain technology can be used for digital identity, &8220;a critical enabler to broaden applications to new verticals,&8221; as well as digital fiat currencies.

    A fully digital system for storing and transferring identity attributes, when directly integrated into a distributed financial infrastructure, can provide faster and accurate anti-money laundering (AML) and know-your-client (KYC) processes, as well as seamless customer onboarding.

    Distributed fiat currencies issued by central banks, when employed within a distributed financial infrastructure, can eliminate the need for an inefficient bridge between cash and a new financial infrastructure.

    The most impactful blockchain applications will require collaboration between all key stakeholders in the financial services ecosystem, including incumbents, innovators and regulators. This will require balancing competing interests, significant time and investment to replace existing financial infrastructure, as well as changing existing regulations, standards of practices and creating new legal and liability frameworks.

    New financial services infrastructure built on blockchain technology will redraw processes and &8220;call into question orthodoxies that are foundational to today’s business models.&8221; This includes question the need for individual books of record through immutable and distributed record-keeping, challenge existing competitive advantage models that leverage information asymmetry, allowing for on-demand and immediate monitoring and reducing the need to trust and rely on counterparties.

    That said, there are still a number of questions that need to be answered in order to move forward. These include assessing blockchain’s feasibility, quantify benefits and analyzing implementation details.

    &8220;Cost-benefit analyses need to be conducted to determine the financial viability of distributed ledger technology,&8221; the #report says. &8220;Roadmaps need to be developed to achieve market participant collaboration and establish standards; governance models, backed by societal-level discussions, need to be envisioned to support technology accountability; and regulatory, legal and jurisdictional-specific tax frameworks need to be established and well-understood.&8221;

    The post WEF Report Addresses How Blockchain Can Reshape Financial Services appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

    Fintech Schweiz Digital Finance News – FintechNewsCH

     

  • user 7:36 am on September 10, 2016 Permalink | Reply
    Tags: banks,   

    So Your Fintech Startup Wants to Issue a Payment Card? 

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    Come to think about it, a payment card is one of the key touch points (if not the touch point) customers use in their daily lifes to interact with their financial products and services.

    Payment card is a commodity product— or at least, it has been one up until recently. In my view, the traditional banking way of thinking about a payment card is of “a payment medium linked to a current/credit/prepaid account or other fund storage medium”.

    This paradigm is flipped on its head in the #fintech world. The thinking is different — a card is no more just an subordinate of an account but rather a substantial part of the product itself. In sync with an underlying account; it enables creation of compelling and unique customer use cases and propositions.

    It has also probably never been easier and [relatively] cheaper to issue a payment card for non-regulated businesses in Europe.

    It is no wonder then that many of the most interesting fintech startups are employing payment cards as a core element of their customer proposition.

    Mondo-issued card

     

    Fintech Startups Leveraging Cards in their Propositions

    Revolut is a startup that claims to be “the new fair way to instantly send and spend money globally”. With an underlying multicurrency account and obviously a payment card Revolut is seeing some solid traction- $500 million (£342 million) of customer money has been spent or transferred on its cards in just 10 months.

    Curve is an example of another card-centered proposition backed by the likes of Seedcamp and Speedinvest. It claims to be “the next generation payment card — a single card built on the MasterCard network that combines all your cards into one. Upload your existing debit and credit cards into the Curve app, and sync them with the Curve card…Curve has created a single, efficient, user focused touchpoint between a user and their money.” [source:Crunchbase]

    Pleo, which has recently won best of the show award at Pioneers Festival in Vienna is an example of a card-centered small business proposition. This Copenhagen-based startup is working on a “a company payment card that works for you” —for better management of employee expenses and related back office processes.

    Then there are the challenger #banks. A next generation of banks obviously cannot do without offering the traditional plastic card — Berlin-based pan-european Number 26 was one of the first one to roll out their card/account offering; followed by an UK-based challenger Mondo and soon to be followed by others as they roll out their product offerings.

    Learnings & Considerations

    I have recently worked on conceptualizing a card product with one of the challenger banks — drawing on this experience I came up with couple of high-level considerations I believe are useful to keep in mind before diving into the process of issuing your own card.

    Note: The below is aimed at fintech startup people with no payments/card issuing experience rather than experts in the area.

    1 Understand the supply chain

    Especially if you do not have background is not from cards/payments, the supply chain of a card programme can become quite intimidating. At the very minumum you will be talking to or contracting the following people:

    A/ BIN Sponsors
    BIN sponsors are companies (usually subsidiaries of banks or banks themselves) who own and sponsor the card’s BIN range (the first 6 digits of a card number which identify the cards’ issuer).

    These companies are typically granted either e-money or full banking licenses which can be passported to any EEA member country. This authorizes them to hold customers’ funds on your behalf. They will also be principal members of the card schemes (VISA/Mastercard) and manage the relationship with them.

    In addition, they will also hold a bunch of other certifications which enables them to take care of the regulatory and compliance work on your behalf.

    B/ Processors
    Processors are responsible for managing the card account and manage authorisation, settlement and clearing of transactions. This indeed sounds very boring but consider that everything that can be be done with a card — from simply setting a daily limit or changing a PIN number to that cool feature you are thinking about that has never been done before — must be enabled by the processor’s tech platform. Make sure it is a good one.

    C/ Card Manufacturers
    or Card Bureaus. Your card manufacturer will manufacture the cards for you (d’oh); handle the card personalization in accordance with certifications and possibly also handle delivery/fullfilment of the cards directly to your customers.

    D/ Card Scheme
    VISA or Mastercard — easy :).

    2 Choose your partners wisely

    Once you decide to go with a partner changing mid-process will inevitably result in money and time lost and will generally be a major pain for you.

    Make sure you have your priorities (time to market, pricing, product capabilities or whatever they happen to be) set and out in the open and select your suppliers and partners accordingly.

    Remember that you need to benchmark not only individual partners but also the whole supply chain (some processors will not work or are not integrated with some BIN sponsors and card manufacturers and vice versa).

    3 Understand the costs, their complexity and your business case

    Finish reading here.

    [linkedinbadge URL=”https://www.linkedin.com/in/tomasvysny” connections=”off” mode=”icon” liname=”Tomas Vysny“] is Co Founder at The Booster Labs.

     

  • user 12:19 am on September 10, 2016 Permalink | Reply
    Tags: , , banks, , , ,   

    Breaking Banks: New York Fintech Week 2016 [AUDIO] 

    New #York was rocking the #fintech this #week, from Next Money and BBVA Open Talent to Finovate Fall. Tune in to Brett King and company below to hear the fintech insider perspective.
    Bank Innovation

     

  • user 11:35 am on September 9, 2016 Permalink | Reply
    Tags: banks, digital banks, , , traditional banks   

    Fintech and banks, a collaboration made in heaven 

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    Following the 2008 financial crisis, #traditional banks across Europe suffered heavy losses. Regulators have had to intervene to harden their financial requirements. As capital became a rare commodity, many #banks have had to restrict their lending activity or offer less attractive conditions to their borrower clients. SMEs, typically companies with less than €50m of turnover, have been most penalized. In France this year, SMEs represent a highly significant 99.8% of all companies, and 46% of GDP. Their contribution to employment is even more significant. They are widely considered as engines of growth. Whether they are in the service or industrial sectors, expanding companies need financing. Their growing success often translates in rising working capital requirements and receivables financing. Not long ago, many of these businesses would have naturally gone to their banks to fill these funding and investment needs. Today, their banks have to turn down a certain number of those credit requests.

    This context has favoured the rise of alternate forms of financing. Many innovative new ventures have been created to offer non-banking financing solutions. These new players do not suffer from the banks’ capital constraints because most of them do not warehouse risks like traditional banks do. Indeed, their business model consists of connecting those in need of financing with investors or savers willing to take on these risks. A new wave of financial disintermediation has emerged.

    The digital revolution has enabled this disintermediation wave. It allows new entrants to promptly and economically access vast numbers of prospective clients via the internet, bypassing traditional branch networks. Furthermore, information #technology has also allowed these new “#fintech” ventures to assess the creditworthiness of borrowers without having a historical relationship with them. By using existing market data, they are able to model credit risks at light speed and provide their clients with instant responses. On the other side, they have made the best use of the risk dispersion techniques that securitization allows.

    Much is said about fintechs entirely replacing traditional banks in many areas of financial services. While there is indeed some healthy competition between the two, there are also significant cooperation opportunities. Traditional banks have large numbers of SME clients which, for many good reasons, are happy to maintain a one-stop shopping relationship with their bank. On the other hand, fintech companies have, with great effectiveness, developed niche services but do not expect to be their clients’ only financial service provider. Therefore, cooperation is an obvious next step. Let’s take the example of factoring. A traditional bank may find it advantageous to direct its customers to an alternative form of financing rather than developing its own. Such a platform can operate on an open-architecture basis, providing customized services to the clients of its bank partners. The bank may also invest in the securitization funds managed by its fintech partner.

    Fintech startups do not aim at reinventing the wheel. They aspire to identify sources of efficiency and scale, and adapt them to today’s collaborative era. With regards to factoring, the new online model places the focus on customer experience, providing a faster, more accessible and cheaper form of financing. Flexibility is key and many modes of collaboration between banks and fintech are possible.

    It is not surprising that an increasing number of banks are faced with the decision of whether to build their own online lending platforms in-house or whether to collaborate with the disruptive technology firms. The cooperation rationale is so compelling that a number of leading banks have already embarked in promising partnerships with fintech startups, whilst giving them space to succeed.

    JP Morgan, for instance, has teamed up with OnDeck, allowing them to speed up the process of providing loans to its 4 million small-business customers at a drastically faster pace than otherwise. The alliance of JP Morgan’s relationships and lending experience with OnDeck’s technology platform enables them to offer almost real-time approvals and next-day funding. Santander has done the same whilst partnering with Funding Circle and then Kabbage.

    JP Morgan and Santander are known to be well-managed and apt to seize opportunities, which further emphasizes the emergence of a trend that we can imagine will flourish. The advantages for both partners in each of these cases are clear: one provides the customers, the other provides the product and service experience whilst risks and revenues are shared. Furthermore, the collaborations enable JP Morgan and Santander to make a real breakthrough in the SME market, which has traditionally been the backyard of local and regional banks.

    Similarly, the French start-up Linxo has been very attractive to banks. This company offers an app which aggregates information such as transactions and balances from several accounts to help users manage their budget. Credit Agricole, number one retail bank in France, became one of Linxo’s leading shareholders. This partnership helps supports the rapid growth of Linxo in France and initiates a new phase of international growth. On the other hand, the bank benefits highly from collaborating with Linxo, interested in the data they aggregate. Fortuneo also partnered with Linxo to offer a multi-bank account aggregation tool.

    ING, the leading Dutch bank which pioneered direct banking in the 1990s, pays particular attention to technology and disruption, innovation being at the heart of their DNA. Also a shareholder of the fintech Kabbage, they have a commercial agreement to bring Kabagge’s solution to ING’s customers. Both believe that they learn by finding within each other the strength they are lacking. ING puts the emphasis on bringing brand and trust to the fintech, whilst the fintech brings the agility.

    The whole fintech sector is still to realize its full potential, but it is clear that it will need coherent action from several parties to reach it. They should aim to become collaborative partners as many have already managed to achieve. It will be together that banks and fintech will revolutionize financial services. 

    [linkedinbadge URL=”https://www.linkedin.com/pulse/fintech-banks-collaboration-made-heaven-cedric-teissier” connections=”off” mode=”icon” liname=”Cedric Teissier“] is CoFounder and CEO at Finexkap

     

  • user 12:19 am on September 9, 2016 Permalink | Reply
    Tags: Attracted, banks, , , , , ,   

    Maybe This is Why Millennials Are Attracted to the Startup Life 

    For #fintech, millennial consumers are–let’s go with challenging&8211;according to the huge quantities of rigorous data collected on them. That might be for three main reasons: They don’t trust #banks or credit lenders (at all), it’s hard to predict what they’ll like in a financial service provider — and what they’llRead More
    Bank Innovation

     

  • user 6:40 pm on September 8, 2016 Permalink | Reply
    Tags: 'Myth', , , banks, , , Quick, , ,   

    Quick Blockchain Adoption a ‘Myth’, Says Russian Central Banker 

    #Blockchain #technology isn’t ready to replace #banks today, according to a high-ranking official at Russia’s #central bank.
    CoinDesk

     

  • user 3:36 am on September 8, 2016 Permalink | Reply
    Tags: banks, , , , , ,   

    69% of Customers Demand Innovation From Banks 

    A large majority of #customers want #innovation #from their banking suppliers, according to a survey produced by #technology firm Sopra Banking Software. The report was compiled using data from a survey of 5000 customers in six European Countries (France, UK, Germany, Spain, Belgium and the Netherlands).

    While 69% say it is important to have an innovative bank only 12% of consumers surveyed fully agreed that their bank is innovative. Additionally, out of the respondents Interested in new technology 33% of customers are ready to switch #banks for the latest technologies.

    Consumers are willing to share more data such as their personal information in exchange for clearly identified benefits. Interestingly, the results showed the generation gap might not be as large as we would expect. Remarkably, the openness to sharing more data holds across generations, i.e. in the whole 18-75 age range. According to Forrester, the typical company only tags 3% of their data and only analyses 0.5%. Most companies are throwing away 99.5% of their leverage with the customer.

    “This highlights a lack of engagement on the customer side as well as a lack of added value on the bank’s side,” said Dr David Andrieux from Sopra Banking. “From the findings, customers are happy to switch if they find better offerings demonstrating that playing it safe is the riskiest strategy of all.”

     

    SEDUCING THE RUNAWAY CUSTOMER-

    Despite the 2008 financial crisis, trust and customer satisfaction levels are remarkably high at 82% and 85% respectively and 90% of consumers have no immediate intention to move banks.

    However, they are also open to change, willing to share more data and interested in new technology. Only 12% of customers agree that their bank is different from other banks while 33% ‘somewhat agree’.

    This figure varies between countries and although Spanish banks are amongst the most innovative banks in Europe, Spanish customers are more demanding and less satisfied with their banks.

    seducing-the-runaway-customer

    78% of respondents consider it to be important to have an innovative bank and 58% are ready to switch to a bank providing the latest technologies. “Perhaps, once people get a taste of the possibilities enabled by modern thinking and technologies, they can’t get enough,” explained Dr David Andrieux from Sopra Banking. Interestingly, it was evident from the findings that technology and innovation is important not just for the younger generation (18-24), but also for the whole 18-44 age range.

    Traditional banks are losing their appeal. Customers are looking for something more or something different with 54% of banking customers open to choosing a ‘non-traditional’ bank such as Pure Online Banks, Ethical Banks, Community Banks and a New Twist on the traditional bank.

    The interest of customers in peer-to-peer (P2P) lending and crowdfunding is significant, with 21% and 27% respectively proving of interest.

    Alternative finance now constitutes a sizeable market, especially in the UK, but increasingly so in other EU countries. Despite remaining questions regarding its profitability, the European alternative finance market as a whole grew by 144% – from €1,211m in 2013 to €2,957m in 2014.

     

    To Summarise
    – ‘Traditiona banks are losing their appeal’
    &8211; ‘There is a lack of engagement on the customer side as well as a lack of added value on the bank’s side’
    &8211; ‘Consumers across countries and age ranges are open to personal data sharing’
    &8211; ‘The Spanish and young customers have higher expectations regarding banking technologies’

    SEDUCING THE RUNAWAY CUSTOMER

    Banks must innovate and create value for their customers through exciting nonconventional products and initiatives that use a platform designed for the digital age. For example, offering a digital wallet management platform, in which banks can integrate services from third-parties.

    The whitepaper can be downloaded here

    The post 69% of Customers Demand Innovation From Banks appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

    Fintech Schweiz Digital Finance News – FintechNewsCH

     

  • user 4:02 pm on September 7, 2016 Permalink | Reply
    Tags: , banks, , , , , , ,   

    Breaking Banks: Breaking Down Blockchain; Identity and Security [AUDIO] 

    This week host Brett King is again joined by Chris Skinner, as the two conclude their five-part talk on #blockchain #technology — the rails beneath the anonymous #bitcoin which keeps it secure. King and Skinner will wrap up their blockchain series with a discussion about the importance of digital #identity and digital #security, and the larger roleRead More
    Bank Innovation

     

  • user 12:18 am on September 6, 2016 Permalink | Reply
    Tags: , , banks, , , ,   

    Venmo Beats the Banks To Win Top Spot Among iOS Finance Apps 

    No matter what time of year or how the economy is, mobile app users are concerned with their credit. How else to explain the continuing reign of Credit Karma atop the #finance mobile app heap? But the real surprise may be that PayPal’s P2P app #Venmo is top dog #amongRead More
    Bank Innovation

     

  • user 3:36 pm on September 5, 2016 Permalink | Reply
    Tags: banks, , , , , , , ,   

    FinTech DACH News Rückblick der Woche 35 

    Fintech.Li präsentiert hier wöchentlich die wichtigsten #News rund um #Fintech in der Schweiz, Liechtenstein, Deutschland und Österreich.

    Fintech DACH Top News

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    Alle Finanzen in einer App zu überblicken, ist für viele Bankkunden reizvoll. Für die Anbieter solcher Programme auch. Nun machen es erste Banken den Fintechs nach. Mehr erfahren

     

     


    FINMA - FinTech-RegulierungSchweizer FINTECH-Regulierungs Roundtable

    Herausforderungen von FinTech Unternehmen eine Anhörung der Behörden. Am Mittwoch, 24. August haben sich Mitglieder der FINMA, EFD, SIF und SECO mit den unterschiedlichsten FinTech-Unternehmern auf Organisation und Einladung der Swiss Finance + #Technology Association im Prime Tower in Zürich zum Thema FinTech Regulierung getroffen. Mehr erfahren

     

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    UntitledFintech Made in Switzerland
    Im Fintech-Bereich läuft inzwischen viel in der Schweiz. Vielleicht fast zu viel – oder die Aktivitäten sind zu wenig koordiniert. Mit diversen Gesprächen mit Finanzexperten möchte der Autor Manuel Stagers das Fintech-Ökosystem beschreiben: Fintech made in Switzerland. Mehr erfahren

     

     

    urs ruegsegger

    Wir können eine Superbank bauen

    Sergio Ermottis Idee einer Superbank, einer kooperativen Plattform zur Senkung der Kosten, ist nicht neu. SIX-Chef Urs Rüegsegger verfolgt sie schon lange und sagt: «Wir können das.». Mehr erfahren

     

     

    FinTech-VerbändenLicht ins Dunkel des FinTech-Verband-Dschungel

    Menschen die in ähnlichen oder gar denselben Geschäftsfelder tätig sind, versuchen sich früher oder später zu Interessengruppen, Gilden oder auch Verbänden zu formieren. Obwohl man vielleicht in direkter oder indirekter Weise in Konkurrenz zueinander steht überwiegen die Vorteile einer gemeinsamen Organisation bzw. einer gemeinsamen Stimme in den meisten Fällen. Denn ein solcher Zusammenschluss eignet sich hervorragend für den gemeinsamen Erfahrungsaustausch oder auch, um politisch gemeinsam eine hörbarere Stimme zu haben als jede Person bzw. Unternehmen für sich alleine. Auch in der aktuellen FinTech-Welt ist das nicht anders. Mehr erfahren


    credit suisse

    Credit Suisse innoviert die IBAN

    Die Credit Suisse wartet mit einer Weltneuheit auf: Die IBAN wird persönlich. Die Idee stammt von Mitarbeitern der Grossbank. Mehr erfahren

     

     

    neugier.yomo.deDigitalisierung ist für Sparkassen eine neue Chance – YOMO ist ein Beispiel dafür

    Georg Fahrenschon, Präsident des Deutschen Sparkassen- und Giroverbandes, stellte auf der heutigen Handelsblatt-Jahrestagung “Banken im Umbruch” fünf Thesen in den Raum – eine davon zur Digitalisierung fanden wir so interessant, das wir Ihnen den Redeausschnitt im Original weitergeben möchten. Unter anderem geht es um YOMO, P2P-Payment in der Sparkassen-App und den neuen Antritt in Puncto Geschwindigkeit. Mehr erfahren

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    Lombard Odier wächst dank Fintech

    Die Genfer Privatbank Lombard Odier hat im ersten Semester 2016 einen tieferen Gewinn erzielt als vor Jahresfrist. Die Kundengelder flossen verhalten, dafür boomte das Geschäft mit Fintech-Dienstleistungen. Mehr erfahren

     

     

    Axel_WeberWarum UBS-Präsident Axel Weber auf die Fitness-Branche schaut

    Wenn sich die Banken der Digitalisierung verweigern, verlieren sie ihre Kunden. Darum sollten sich die Finanzhäuser ein Beispiel an anderen Branchen nehmen, mahnt UBS-Präsident Axel Weber. Mehr erfahren

     

     

    2-format2101Deutschlands Nummer Zwei verpasst sich eine Digitalkur 

    Im Juni hat Michael Mandel Großes angekündigt: Die Commerzbank werde zur Multikanalbank, so der Privatkundenvorstand. Die hauseigene Design Thinking-Agentur Neugelb soll die Commerzbank zum Fintech machen. Mehr erfahren

     

     

    #BITCOIN / #BLOCKCHAIN News

    Dirk Elsner

     

    Blockchain – vom Hype zur Ernüchterung
    Macht die Blockchain die Welt zu einem besseren Ort? Wahrscheinlich ist das nicht. Von Dirk Elsner. Mehr erfahren

     


    Blockchain and Bitcoin Industry in Switzerland

    Switzerland Opens up to Blockchain Tech
    Appetite for blockchain technology is growing worldwide as venture capital investment in Bitcoin and blockchain startups exceeds US$ 1.1 billion and major financial institutions begin trialing the technology for varied applications. Mehr erfahren

     

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    Blockchain-Technologie für Banken und Fintechs: Mehr als Bitcoin!

    Blockchain ist nicht nur die Basis der Krypto-Währung Bitcoin. Blockchain ist weit mehr: Mit dieser Kombination aus Prozess und Technologie können Dinge jeder Art schnell und risikoarm gehandelt werden. Die Finanzdienstleistungsbranche erkennt bereits den disruptiven Charakter von Blockchain. Große und kleine Unternehmen experimentieren bereits mit den Möglichkeiten der Blockchain-Technologie, um ihre Wertschöpfungskette neu zu definieren. Mehr erfahren


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    Blockchain – what’s in it for insurance?
    Insurers must look past the gloss and hype from other areas of finance adopting blockchain technology, and consider the real benefits and drawbacks of implementing these systems, says Thomas McCourtie. Mehr erfahren

     


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    Das Weltwirtschaftsforum beschäftigt sich schon seit einiger Zeit mit Bitcoin und stellt dabei durchaus die richtigen Fragen. Wie zum Beispiel in diesem Video über die Blockchain. Mehr erfahren

     

     

     

    ÜBERSICHTEN / INFOGRAFIKEN / STUDIEN

    voting-1024x587Charted: Blockchain use in governments
    Blockchain has offered foolproof ways to secure services. The digital ledger records live transactions across a distributed network of computers. Records, once logged, are irreversible as any change will first have to be verified across the network.. Mehr erfahren

     

     

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    27 Most Valued World Fintech Unicorns

    Business Insider Singapore, CBInsights, Funderbeam, and Crunchbase together have created the world’s fintech unicorns – fintech start-ups valued at over $ 1 billion. Mehr erfahren

     

     

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    Since coming under scrutiny for its longstanding privacy protections—a tradition that made Switzerland into a leading global financial center—the economy hasn’t had quite the boost it used to have from the industry. These top 13 Swiss Fintech startups are set to reinvigorate the region’s banking and finance space in 2016 with their innovative offerings. Mehr erfahren

     

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    Die seit Dezember 2015 in Kraft getretene Regulierung der Interbankenentgelte für kartengebundene Zahlungsvorgänge (sogenannte „MIF-Verordnung“; MIF = Multilateral Interchange Fee) begrenzt die Entgelte für Issuer bei Kreditkartenzahlungen. Dadurch ergeben sich für Händler deutlich geringere direkte Kosten für die Akzeptanz von Kreditkarten. Mehr erfahren

     

    hanoi fintech startups6 Fintech Startups From Hanoi, Vietnam to Watch

    Ho Chi Minh City has got a number of promising startups such as M_Service, one of the country’s first fintech startups to gain international recognition; Timo, Vietnam’s first and only digital “bank” powered by VP Bank; and LoanVi, Vietnam’s first peer-to-peer lending online marketplace for personal loans. Today, we take a look at Hanoi’s fintech startup community with a focus on some of the city’s most promising ventures. Mehr erfahren

     

    Fintech EVENT Hinweis

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    ‎FinTech‬ Konferenz Liechtenstein 2016

    Das Programm zur Fintech Konferenz in Liechtenstein finden Sie auf der Homepage.

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    The post FinTech DACH News Rückblick der Woche 35 appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

    Fintech Schweiz Digital Finance News – FintechNewsCH

     

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