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  • user 3:35 pm on September 23, 2016 Permalink | Reply
    Tags: , Directive, , fintech, , , ,   

    EU’s Payment Services Directive (PSD2): What It Is And Why It Matters 

    Recent regulatory changes in Europe, including the (), are set to accelerate payments innovation.

    The Payment Services Directive (PSD) was initially adopted by the European Union (EU) in 2007 and aimed at providing a legal framework for all payments made in the region with the purpose of making these faster, more efficient and easier to use for European consumers and payments services providers.

    In October 2015, the EU adopted a revised PSD &; also referred to as PSD2 &8211; that sought to enhance consumer protection, promote innovation and improve the security of payments services.

     

    PSD2: What is it?

    PSD2 is a major policy development expected to impact the payments industry across Europe through: further standardization and interoperability of cards, Internet and mobile payments methods; the reduction of barriers to entry in particular for card and Internet payments providers, driving thus increased competition, innovation and transparency across the European payments market; as well as providing the necessary legal platform for the Single Euro Payments Area (SEPA).

    The directive seeks to improve the existing EU rules for electronic payments, while taking into account emerging innovative payment services, such as Internet and mobile payments. It sets out rules concerning:

    • Strict security requirements for electronic payments and the protection of consumers&; financial data, guaranteeing safe authentication and reducing the risk of fraud;
    • The transparency of conditions and information requirements for payment services;
    • The rights and obligations of users and providers of payment services.

    The regulation came into effect on January 12, 2016, and EU countries must incorporate it into national law by January 13, 2018.

     

    The impacts

    The new directive brings key changes that include:

    Third-party payment initiation: Payment Initiation Service Providers (PISP) will be able to initiate online payments from the payer&8217;s bank account. This will encourage competition in the European payments industry. Accenture estimates PISP services could account for up to 16% of online retail payments by 2020.

    The definition of a &;payment institution&; is extended to new types and categories of players. While the original PSD applied only to transactions occurring within the EU, the PSD2 will extend this scope to &8220;one leg out&8221; transactions.

    Third-party account access: The directive will regulate account information service providers (AISPs). These providers act as aggregators of customer payment account information.

    Prohibition of card surcharges: The regulation seeks to standardize the different approaches to surcharges on card-based transactions across the EU.

    Security of online payments and account access through the introduction of new security requirements for electronic payments and account access, along with new security challenges relating to AISPs and PISPs.

    The directive will affect everyone in the shifting payment landscape. This includes , fintechs, the PCI (Payment Card Industry) as well as merchants.

    how PISPs and AISPs will change existing interaction models between customers and banks, Accenture report

    How PISPs and AISPs will change existing interaction models between customers and banks, Accenture report &;Seizing the Opportunities Unlocked by the EU’s Revised Payment Services Directive&8217;

    PSD2 will bring both challenges and opportunities for European banks. Banks will be required to open up their infrastructure to third parties by offering APIs under the XS2A (access to account) rule. They will be forced to grant them access to their customers&8217; online account/payment services in a regulated and secure way.

    On the other hand, PSD2 presents significant opportunities to grow new revenue streams &8211; by facilitating and monetizing access to raw data and banking services, for instance &8211;, capture customer ownership and process toward an extended ecosystem centered on the &8220;Everyday Bank,&8221; a concept that takes banking to being trusted, indispensable and central to consumers&8217; everyday activities.

    Accenture report, challenges and opportunities of PSD2

    EU banks: challenges and opportunities of PSD2, Accenture report &8216;Seizing the Opportunities Unlocked by the EU’s Revised Payment Services Directive&8217;

     

    Featured image: Mobile banking concept by Ditty_about_summer, via Shutterstock.com.

    The post EU&8217;s Payment Services Directive (PSD2): What It Is And Why It Matters appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

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  • user 12:19 pm on September 23, 2016 Permalink | Reply
    Tags: “fintechready”, , , fintech, , peers, , ,   

    Australia more “fintech-ready” than some European peers – TransferWise 

    Often touted as a niche industry, this author is seeing early signs that mass-acceptance of providers by consumers and businesses is creeping closer to a tipping point, of sorts. The call may be slightly premature, however the following recent announcements by various industry players all point towards a growingRead More
    Bank Innovation

     
  • user 3:35 am on September 23, 2016 Permalink | Reply
    Tags: , , , , fintech, , , , , , ,   

    Distributed Ledger Technology For Swiss Financial Market From SIX Securities Services & Digital Asset 

    SIX Securities Services, the post-trade infrastructure operator for the sector, and Digital Asset Holdings, a developer of for the financial industry, announced plans to develop a proof of concept that will demonstrate the commercial viability of distributed ledger technology across the Swiss financial , with an initial prototype for . The two firms will also develop a roadmap for future opportunities spanning the whole market infrastructure value chain.

    SIX Services recognizes the potential of distributed ledger technology and after a competitive evaluation process has selected as the business and technology partner for the design of a solution for the Swiss market. The initial phase of the project will demonstrate the ability to build and incorporate distributed, encrypted, straight through processing tools into existing securities transaction flows, and propose a roadmap for extending this to a production-ready service.

    The proof of concept will extend beyond the scope of the prototype, and Digital Asset will develop a product roadmap for future opportunities to include a wide range of applications that demonstrate how current, segregated processes could be streamlined and made more efficient for SIX Securities Services and post-trade ecosystem as a whole.

    SIX Securities Services has already made significant strides in exploring distributed ledger technologies and currently has a prototype for Corporate Actions processing on display at Sibos, in Geneva 26-29 September, 2016.

    Sibos-Geneva-2016_with-dates

     

    According to Thomas Zeeb, Division CEO SIX Securities Services: «Distributed ledger technology and its potential role in post trading is key to our business. We need to understand it, and more importantly, its applicability and future flexibility in order to keep ahead of the game. Partnering with Digital Asset is a way to accelerate our own development plans and leverage their experience in this area.»

    «Partnering with SIX brings this cutting edge technology another step closer to commercial reality,” said Blythe Masters, CEO of Digital Asset. “We believe this collaboration will provide exciting opportunities for SIX and its customers while reducing inefficiency, cost and risk in the financial services ecosystem.»

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  • user 3:35 pm on September 22, 2016 Permalink | Reply
    Tags: fintech, , Gratistickets, Konferenz,   

    Gratistickets für FUW Fintech Konferenz und Fintech Liechtenstein Konferenz 

    Fintechnews.ch ist Networking Partner von der FUW &;Artificial Revolution&; und der 2ten Fintech Konferenz.

    Wir verlosen darum exclusiv je 3 Tickets beide Konferenzen. Sendet einfach eine Email an uns.

    Gewinnen Sie 3 Tickets für Fintech FUW Konferenz hier

    Fintech FUW Konferenz

    Die Themen

    • Cognitive Finance: Wie verändert künstliche Intelligenz das Finanzwesen?
    • Automation & Individualisierung: Gelingt der Spagat zwischen Automatisierung auf der einen und der fortschreitenden Individualisierung auf der anderen Seite dank künstlicher Intelligenz?
    • Compliance: Ist künstliche Intelligenz die Antwort auf die stets steigenden Anforderungen?
    • Standortattraktivität: Welche Rahmenbedingungen braucht ein prosperierendes und international relevantes Schweizer Fintech-Ökosystem?
    • Swiss FinTech Awards: Der Awards für Schweizer Fintech-Lösungen geht in die zweite Runde!

     

    Gewinnen Sie 3 Tickets für Fintech Liechtenstein Konferenz hier

    Die FinTech Konferenz Liechtenstein 2016 richtet sich an Marktteilnehmer des Finanzplatzes sowie Entscheider und Interessierte aus der DACH-Region, mit dem Ziel, den regelmässigen Austausch zu den Themen Innovation und Digitalisierung in der Finanzindustrie zu fördern. Die Konferenz 2016 steht unter dem übergeordneten Themenkomplex:

    ‎FinTech‬ Konferenz Liechtenstein 2016

    Special Offer: 20% Discount mit Code &8220;fintechnews20&8220;. Register now

     

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  • user 7:35 am on September 22, 2016 Permalink | Reply
    Tags: , , , , fintech,   

    Blockchain will change the World?! 

    blockchaincoin3

    What can we do with ?

    What does blockchain provide us?

    How to apply blockchain?

    Can we afford not to answer these three fundamental questions?

    Introduction. There is a widely accepted perception that the potential impact of blockchain for society is huge and a game changer for many industries. Almost all major are involved in some kind of research on blockchain. There is something going on. We apply Socratic questioning; a good question is more valuable than a good answer. Three related good questions are proposed that must be answered well before we can do any new and valuable things with blockchain. Because, without good research questions good R&D is not possible.

    What can we do with blockchain? The first question is well answered in more detail by some visionary authors who describe the new things, products and services, and the impact on business and society on many areas. In financial and government services there are the promises of a better production of existing services. In short, “doing the same things in a better way”. There is also a new dimension, “doing totally new things” using disruptive business models. There are plenty of these examples based on social media. Blockchain is closely related to social media, communication and to documents, as will be shown in later blogs. So it is reasonable to expect that blockchain may have an impact in all these areas.

    There are more urgent reasons to apply blockchain. Experts agree that the world financial system of transactions is a geopolitical battlefield for state sponsored cyber crime. Blockchain promises a radically new way to realize resilience to cyber crime and a reduction of costs due to a reduction of complexity. A much more resilient and robust world financial transaction system can be and must be realized.

    What does blockchain provide us? This question is answered today by a number of good articles on the inner construction and working of blockchain, mainly for (s). This is fine and we can trust our fellow engineers and cryptographers to provide us good solid blockchain platforms. However, this is not our prime interest, we are interested in what blockchain provides us as a black box, without knowing its inner construction and working. Some authors state that it is “trust-less authenticity”, or “trust-less consensus”, or use comparable terms. Since this is new and enables those new services, the trust-less authenticity is the new paradigm. So, the term ‘blockchain’ refers here to ‘trust-less authenticity’. The new paradigm is enabled using good software engineering and cryptography but these are not the new paradigm; they provide us the new paradigm trust-less authenticity. What trust-less authenticity is must be understood and described well enough (very well). Then, and only then, we can make any good use of it from an engineering perspective, for example building robust and fault tolerant world financial systems. So far any good specifications have not been found in the literature. To answer this question well, we need a high quality conceptual specification of blockchain’s trust-less authentication. This is a subject for later blogs.

    How to apply blockchain? The third question is about the application of blockchain’s trust-less authenticity – and we must understand this first – as a key component to construct and produce the new services and new financial service providers. No good answers to this engineering question have been found in the literature so far. The answer consists of three major parts and a conclusion.

    The first is that we have existing services (products) that we would like to produce in a better way. We also see that a range of totally new services is possible. We must start by describing the functional qualities of our services ‘well enough’. What is the value of our service to our customers, as seen by our customers? We must ask them because it is highly subjective. We need this functional specification because we must check, validate, that our actual production meets these functional specifications. If our actual production does not match the functional requirements, it will not provide the desired value for the customers, and we are in deep trouble with a dissatisfied customer.

    The second part is that we must specify the construction of the services in an appropriate way. The term ‘appropriate’ is not vague; it means also a truthful, coherent, concise, consistent and comprehensive specification. Without a good specification of the construction of the services we are not able to find out how toproduce the services in new enterprises. As said already, we must check, validate that if we construct our service in this way, it meets the functional requirements for the customer.

    The third part is the observation that services are produced by enterprises. An enterprise must be well designed to produce the services, based on the construction specifications of the service. Example: an automotive production line is very carefully designed and tuned to produce a specific car type. If another type of car must be produced, the production line must be redesigned, adapted, tuned in many places. If the production line must produce radio’s, the whole production line must be redesigned from scratch. These enterprises must be specified also in an appropriate way, otherwise we cannotconstruct these enterprises and let them operate well in production.

    These answers show that if we use the special qualities of a new component in our services, blockchain’s trust-less authenticity with all of its benefits, the construction of our services must be totally redesigned from scratch. We produce the same service, same functional specifications, but in a different way. And, if we produce services in a totally new way, we must redesign and rebuild our enterprises also from scratch. The conclusion is that the application of blockchain typically demands a totally new (re)design, from scratch, of the construction of the services and therefor theconstruction of the financial service enterprises. In other words; if you want to apply blockchain well, it is better to redesign the services and rebuild the whole enterprise from scratch.

    Is this about ? Yes and No. Yes, because it is innovative, based on two new paradigms (one is blockchain – trust-less authenticity) and the benefits will probably most visible in financial services. It’s most valuable benefit for society is likely a robust and fault tolerant world financial system. No, this is not some new potentially disruptive financial service. It is how to apply blockchain well, better than state of the art technologies, using better engineering.

    Can we afford not to answer these three fundamental questions? The three questions are interconnected and are also umbrella questions for many more detailed questions – see below. Without an appropriate answer the next question cannot be answered. So, without three appropriate answers we cannot deliver the new services. To provide appropriate answers to the three questions we need also better engineering methods for enterprises and their supporting IT systems, which is in the domain of the discipline of enterprise engineering, based on another new paradigm.

    Blockchain will the World..?! No, not if we continue the old way of doing things. Looking at the state of the art in IT systems development [much literature] in for example financial services, we observe that these IT systems are too expensive, have been developed over many years using trial and error methods, resist agility, are increasingly difficult to maintain and have a limited functional value (business-IT alignment). If we continue to work in this way, we will realize similar bad results. 

    If, as some visionaries are rightfully saying, we are going to machine to machine financial services in production chains, then we need really much better engineering.

    Future blogs. The following future blogs discuss the answers to the three fundamental questions, based on good engineering. Subjects include:

    • How to build more robust and fault tolerant financial enterprises and their information systems? “Keeping the cyber criminal out”, enhanced by “Once the cyber criminal is inside, make sure he cannot do much harm”.
    • What is trust-less authenticity (precisely)? What does it guarantee? How and when is it created? By whom? How should blockchain be embedded in business procedures?
    • What is business procedural risk or systemic risk. What are the causes? How to identify, mitigate or eliminate procedural risk, at design time or in production?
    • What is total factual knowledge of the enterprise operation – containing digital fingerprinting, total audit knowledge, communication and commitments made, documents produced?
    • What do the new blockchain platforms provide us, and what not?
    • How to specify new blockchain based services in an appropriate way? For whom? Customer’s identity?
    • How to engineer enterprises, addressing governance, risk, compliance (GRC), efficiency and effectiveness issues?
    • How to construct IT systems that support the operation of enterprises and support the new blockchain platforms?
    • What is communication between human actors and how does it relate to commitments, intentions, contracts, obligations, rights, permissions, authorizations and delegation? What are social media and chatbots doing?
    • What are ‘documents’; what do they contain, represent, do, how are they designed and produced?
    • How does enterprise engineering support the application of blockchain’s trust-less authenticity?
    • What is the enterprise operating system? How does it work? What does it do? How is blockchain supported?

    The new discipline of enterprise engineering is based on the (quite) new paradigm of communication and commitments between human actors in social systems, enterprises. It is ‘solid’ engineering, just like electronics, aviation, mechanical engineering, no place for BS or hype. Enterprise Engineering must provide good answers to these questions.


    [linkedinbadge URL=”https://www.linkedin.com/in/steven-j-h-van-kervel-0615671″ connections=”off” mode=”icon” liname=”Steven J.H. van Kervel”]

    The author, Steven J.H. van Kervel, Ph.D. computer science, is with Formetis Consultants BV in The Netherlands. Formetis develops methodologies, tools and software systems for the engineering of enterprises with supporting IT systems, applying blockchain .

    Formetis participates in the CIAO! community of scientists and engineers on the field of enterprise engineering.

    Formetis seeks partnerships to bring this technology to the real world.

    Contact: [email protected]

     
  • user 3:35 am on September 22, 2016 Permalink | Reply
    Tags: „lokalhelden.ch“, CrowdfundingPlattform, fintech, , Raiffeisen   

    Raiffeisen lanciert Crowdfunding-Plattform „lokalhelden.ch“ 

    das kostenlose Spendenportal «lokalhelden.ch». Das Portal bietet Vereinen, Institutionen und Privatpersonen in der ganzen Schweiz die Möglichkeit, auf moderne und effiziente Weise Spenden für gemeinnützige Projekte zu sammeln. Dass neben Geld auch Material und Zeit bei „lokalhelden.ch“ gespendet werden kann, ist ein neuer, spannender Ansatz. Erste Erfolgsgeschichten gab es bereits während der Pilotphase.

    Im Januar 2016 ging Raiffeisen in einer auf die Region Ostschweiz fokussierten Pilotphase mit lokalhelden.ch online. Seither konnten bereits über 17 Projekte erfolgreich realisiert werden – darunter die Erweiterung der Radballhalle in Mosnang sowie die Finanzierung einer Sommerstartrampe für Skisportler in Obersaxen. Seit Beginn der Pilotphase konnte lokalhelden.ch bereits über 130‘000 Franken für gemeinnützige Zwecke mobilisieren. Nun macht Raiffeisen das Spendenportal für Projekte aus der ganzen Schweiz zugänglich.

    Patrik Gisel„ Die Themen «Hilfe zur Selbsthilfe» begleiten Raiffeisen seit ihrer Gründung. Berei ts 1862 setzte Friedrich Wilhelm Raiffeisen seine Idee in die Tat um und verhalf der Gemeinschaft zu gegenseitiger finanzieller Unterstützung. Heute nimmt Raiffeisen diese Idee auf und überträgt sie mit ihrem Spendenportal «lokalhelden.ch» ins digitale Zeitalter“, sagt Patrik Gisel, Vorsitzender der Geschäftsleitung von Raiffeisen Schweiz.

    Raiffeisen engagiert sich aus Tradition auf vielfältige Weise für die Gesellschaft – lokal, in der Region und schweizweit. Das Engagement für die Schweizer Vereinslandschaft will Raiffeisen m it der neuen Spenden- und Projektfinanzierungs-Plattform lokalhelden.ch weiter ausbauen.

    Geld, Material und Zeit spenden

    Raiffeisen bietet den Projektinitianten auf lokalhelden.ch eine breite Öffentlichkeit und unterstützt bei der Projekteinreichung mit Tipps und Tricks für die erfolgreiche Finanzierung ihrer Vorhaben. Auf dem Portal kann neben Geld auch Material und Zeit gesammelt bzw. gespendet werden. Dies ermöglicht es beispielsweise einem Fussballverein, dank Spenden neue Trikots zu finanzieren, für ein Kulturfestival können freiwillige Helfer mobilisiert oder mit Hilfe von Materialspenden Bauprojekte realisiert werden – etwa mit einer Holzspende für einen neuen Kinderspielplatz.

    Lokale Spender und Unterstützer können einfach per Knopfdruck spenden und helfen, wertvolle gemeinnützige Projekte in ihrer direkten Umgebung zu ermöglichen. Das Portal wird dabei für alle Nutzer kostenlos zur Verfügung gestellt – weder für die Initiatoren noch für die Unterstützer fallen Gebühren an. Die Spenden kommen vollumfänglich den Projekten zugute.

    Neben Raiffeisen betreiben auch die LUKB, die BLKB und die Postfinance Crowdfunding Plattformen in der Schweiz.

    Karate für alle

    Alessandro Aquino ist ein Lokalheld erster Stunde. Bis vor Kurzem war er der einzige Karatelehrer in der Schweiz, der Menschen mit einer Beeinträchtigung in Karate unterrichtete. Auf lokalhelden.ch hat Alessandro Aquino Geld für eine behindertenspezifische Ausbildung für Karatelehrer gesammelt – mit Erfolg. Die Sportart wird bald in vielen Regionen der Schweiz für Menschen mit einer Behinderung zugänglich seinnimbus-image-1474513773302

     

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  • user 3:35 pm on September 21, 2016 Permalink | Reply
    Tags: , fintech, ,   

    Winning In The Digital Age 

    Customers are better connected, new is launching everyday and data is connecting everything. This has disrupted the market and allowed competitors and start-ups outperform established players.

    This video shows the importance of embedding across your business. Those who adapt their business model around the customer will reap the rewards. Businesses need to become more innovative and agile to be able to adapt to customer demands and market changes. This will enable them to increase customer engagement, empower employees and become more profitable. Ultimately, you don’t need a digital strategy, you need a business strategy for the digital age.

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  • user 3:35 am on September 21, 2016 Permalink | Reply
    Tags: ‘Impressive, , fintech, , , , Industry’s, ,   

    New Report Highlights Germany’s Fintech Industry’s ‘Impressive Growth’ 

    The Germany&;s burgeoning industry is quickly emerging as a regional leader with a number of startup gaining international recognition and Berlin becoming a &;strong contender for London&8217;s fintech crown,&; according to a new report by UK payments startup GoCardless Ltd.

    &8220;It&8217;s no secret that Germany took its time to enter the scene, especially with investors erring on the side of caution due to the complex nature of German financial regulations, the says.

    &8220;But now the gap is finally closing on the UK. As Brexit places London’s ‘EU passport’ in jeopardy – the UK may soon find itself overtaken by Germany in the near future.&8221;

    Germany's fintech universe by city

    Germany&8217;s fintech universe by city, EY Analysis 2016

    With now 250 companies employing approximately 13,000 people, Germany&8217;s fintech industry is growing rapidly.

    A report by EY released in March, suggests that the German fintech market is fragmented but has developed three main hubs: Berlin, Rhein-Main-Neckar region and Munich, each standing for a distinct characteristic.

    In terms of investment, Germany is lagging behind the UK, with €524 million invested in domestic fintech startups in 2015 compared to €707 million for UK startups.

    Ventures focusing on banking and lending alone have attracted a big chunk of Germany&8217;s overall fintech investment, raising €402 million in 2015.

    GoCardless Ltd. German Fintech report

    GoCardless &;What you didn’t know about German FinTech&8217; report

    The report notes the involvement of Peter Thiel, the co-founder of PayPal and a prominent figure in the tech industry, in a number of deals. These include participation in funding rounds of Zinspilot, a platform for comparing interest rates, and Hamburg-based consumer loan platform Kreditech.

    Traditional and financial institutions have too been involved, with a number of them either acquiring or partnering with startups to add innovative products and services to their portfolios. These include Sparkesse which acquired the majority of shares in payments startup Payone in 2015, as well as Deutsche Bank which has been collaborating with domestic startups such Gini and Fincite.

    Gini is a B2B focused financial data analytics startup delivering an API that uses artificial intelligence to enable businesses to automate paperwork, while Fincite is a German -advisor provider.

    Deutsche Bank has further announced plans to invest €1 billion in digital banking in the next five years as part of its &8220;Strategy 2020&8221; to boost efficiency, cut down on risky businesses and boost its capital base, as reported by Handelsblatt in March.

    One of the UK&8217;s competitive advantages over Germany is the supportiveness and openness of the Financial Conduct Authority (FCA) related to the UK&8217;s ambition to become the fintech capital of the world. &8220;A major component of that policy includes tax incentives to encourage seed investments, along with government programs to support innovation,&8221; the report says.

    This has helped foster a flourishing fintech startup community with widely renowned ventures such as TransferWise, Funding Circle and Monese.

    Germany&8217;s Federal Financial Supervisory Authority (BaFin), on the other hand, is deemed &8220;more complex and more conservative towards the development of fintech.&8221;

    &8220;The BaFin is still far behind on implementing policies similar to the FCA&8217;s,&8221; it says.

    &8220;For many German FinTech startups, acquiring a banking license from the BaFin is considered a path to profitability as it enables establishment of faster processes. But it also requires startups to implement strict controls and supervision for fraudulent activity. The application process can be long, complex and costly for recently founded startups, which discourages venture capitalists from making major investments in the industry.&8221;

    In light of the regulatory hurdles, banks have been trying to bridge the gap through investment funds, while players such as &8220;fintech company builder&8221; FinLeap have introduced products and services to help startups with financial regulations.

    For instance, FinLeap&8217;s SolarisBank is a fully licensed digital bank focusing on powering e-commerce businesses and fintech startups with modular, API-accessible financial services.

    While some local fintech startups have to rely on partnerships with existing financial institutions to help them grow, others such as N26, formerly known as Number26, have been awarded a full German banking license.

    Berlin-based N26 is a digital challenger bank that allows users to open an online banking account from their smartphone &8220;in under 8 minutes.&8221; N28 provides customers with a free MasterCard payment card, as well as the ability to send money abroad in 19 different currencies.

    N26 is currently available to customers residing in Germany, Austria, Ireland, France, Spain, Italy, Greece and Slovakia.

    Another challenger bank that holds a German banking license is Fidor Bank (Fidor Group), which was acquired by France&8217;s Groupe BPCE in July 2016.

    &8220;There&8217;s already lots of activity in the German FinTech scene and some of the established players mentioned earlier have already laid the groundwork,&8221; the report says.

    It concludes:

    &8220;There is massive potential for Germany to rival, and perhaps even take over from, the UK when it comes to fintech. The UK leaving the EU may also pave the way for Germany to take that lead sooner than expected, with the UK’s so called ‘EU-passport’ in jeopardy.&8221;

    The post New Report Highlights Germany&8217;s Fintech Industry&8217;s &8216;Impressive Growth&8217; appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

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  • user 3:35 pm on September 20, 2016 Permalink | Reply
    Tags: anderen, fintech, höheren, , , , Renditen, ,   

    Mit Peer to Peer Lending und anderen Fintech Lösungen zu höheren Schweizer Renditen 

    Da sich die Investitionsmöglichkeiten in der Schweiz derzeit in einem negativen Renditeumfeld bewegen, wenden sich die Investoren alternativen Anlageformen zu, um Gewinne zu erwirtschaften.

    Im Januar 2015 beschloss die Schweizerische Nationalbank (SNB) eine Negativzinspolitik mit zunehmend strengeren Auflagen. Diese Strategie erschwert es Investoren, Zielrenditen zu realisieren. Daher steigt das Interesse an , die einen Weg aus der Schweizer Investitionskrise weisen.

    Durch die optimierte Nutzung mobiler, digitaler Plattformen und modernster Technologien verändern Fintech-Startups heute nicht nur die Art und Weise, wie wir unser Geld verfolgen, verwalten und ausgeben, sie revolutionieren auch die Art und Weise, wie wir Geld anlegen.

    Robo advisors

    Image by Tatiana Shepeleva via Shutterstock

    Die Einführung und Verbreitung von -Advisors zeigt, dass künstliche Intelligenz und komplexe Algorithmen uns helfen können, unser Bargeld effektiv anzulegen, je nach Risikoaversion und für einen Bruchteil der Kosten eines klassischen, d. h. menschlichen, Vermögensmanagers.

    Durch die Nutzung von Technologie senken Fintech-Innovatoren die Kosten für Bank- und Finanzdienstleistungen erheblich, und die Einsparungen können an die Verbraucher weitergegeben werden.

    P2P Lending

    Dies ermöglicht nicht nur die Demokratisierung von Leistungen, die bisher einer kleinen Elite vorbehalten waren, sondern schafft auch neue Geschäftsmodelle und innovative Lösungen, die die finanzielle Inklusion fördern, da sie Verbrauchern, die keinen oder nur beschränkten Zugang zu Finanzdienstleistungen haben, zumindest eine Basisversorgung anbieten.

    Obgleich die USA und Grossbritannien mit führenden Akteuren wie Club, Prosper, Zopa und Funding Circle die Zentren der -to-peer-Kredite bleiben, sind auch in der Schweiz in den letzten Jahren einige Plattformen für Peer-to-peer-Lending entstanden. Ziel dieser Plattformen ist es, KMU und Einzelpersonen Alternativen zu den offiziellen Finanzierungsangeboten des Bankensektors zu bieten.

    In der Schweiz ist CreditGate24 einer der wichtigsten Akteure der Peer-to-peer-Kredite. Die im März 2015 lancierte Plattform stellt seinen Kunden eine hoch automatisierte Kreditplattform für Privatkredite und Finanzierungsoptionen für KMU zur Verfügung. CreditGate24 berechnet den Kreditnehmern zwischen 0,6 % und 0.8% p.a., den Investoren 1 % auf jede Rückzahlung. Laut einem Bericht des Instituts für Finanzdienstleistungen Zug IFZ und Swisscom haben Peer-to-peer-Kredite sowohl finanzielle als auch nicht-finanzielle Vorteile.

    Einer der wesentlichen Vorteile für die Kreditnehmer ist die Tatsache, dass die Zinssätze häufig günstiger sind als bei klassischen Banken. Der Vorteil für die Kreditgeber liegt in der möglicherweise Rendite als bei einem Sparkonto oder Anlageformen, wobei jedoch das Verlustrisiko einzukalkulieren ist. Die Plattform Credigate24 musste bisher bei insgesamt 230 Krediten noch keinen einzigen Ausfall erleiden und hat zudem ein sehr smartes Modell um Verlustrisiken zu diversifizieren.

    Peer to peer lending platforms in Switzerland

    Image by ConstantinosZ, via Shutterstock

    Studenten-Kredite

    Darüber hinaus bieten Peer-to-peer-Kredite Anlegern mit sozialem Touch die Möglichkeit, Personen zu unterstützen, die teures Fremdkapital umgehen möchten. So ermöglichen es Plattformen wie Splendit in der Schweiz oder CommonBond und Social Finance Inc. (SoFi) in den USA Studenten, Gelder für ihre Ausbildung zu akquirieren oder Stipendien über Crowdfunding-Kampagnen zu sichern.

    Immobilien-Crowdfunding

    Neben Krediten für KMU hat sich das Immobilien-Crowdfunding als Renditemöglichkeit für Anleger entwickelt.

    Crowdinvesting platforms in Switzerland, real estate

    Image by Jan_S, via Shutterstock

    2015 wurden über die Plattform Crowdhouse erfolgreich Mittel für den Kauf einer Immobilie gesammelt. Bis April 2016 wurden zwei weitere Objekte für insgesamt 4 Millionen CHF finanziert. Crowdhouse verlangt eine Mindestinvestition von 25.000 CHF und verspricht eine Rendite von 5 bis 6 % p.a. Die Plattformbetreiber verlangen 3 % des Kaufpreises der Immobilie als Provision.

    Ein weiterer Akteur in der Schweiz ist HouseInvest.ch, der eine ähnliche Dienstleistung verspricht. Die Plattform ist noch nicht online. In anderen Teilen der Welt führen derzeit Plattformen wie Fundrise, Prodigy Network, iFunding, Realty Mogul und RealtyShares den Markt an.

    Rechnung-Finanzierung

    Darüber hinaus haben KMU begonnen, Plattformen für die Vorfinanzierung von Debitorenrechnungen zu nutzen, ein Konzept, das die Idee der Peer-to-peer-Kredite auf die Rechnungsfinanzierung überträgt.

    Über diese Plattformen können Unternehmen einzelne Rechnungen an Online-Anleger verkaufen, um ihre Liquidität zu verbessern. Zu den bekannten Plattformen für die Vorfinanzierung von Rechnungen gehören Advanon in der Schweiz und InvoiceInterchange in Singapur.

    The post Mit Peer to Peer Lending und anderen Fintech Lösungen zu höheren Schweizer Renditen appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

    Fintech Schweiz Digital Finance News – FintechNewsCH

     
  • user 3:35 am on September 20, 2016 Permalink | Reply
    Tags: fintech, , Hypothekarbank, Lenzburg, nutzt, Privatkreditgeschäft   

    Hypothekarbank Lenzburg nutzt Fintech für das Privatkreditgeschäft 

    Die bietet ihren Kunden neu die Möglichkeit, Privatkredite direkt über eine Onlineplattform abzuschliessen. Ermöglicht wird dies durch eine Kooperation mit dem Schweizer -Unternehmen CreditGate24. die Schweiz ist eine solche Zusammenarbeit eine absolute Neuheit.

    Die Hypothekarbank Lenzburg ist die erste Schweizer Bank, die im mit einem sogenannten Crowdlending-Anbieter zusammenarbeitet. Das Lenzburger Finanzinstitut vergibt direkt keine Privatkredite. Durch die Nutzung der Vermittlungsplattform des Schweizer Fintech-Unternehmens CreditGate24 wird dies nun möglich.

    CreditGate24 betreibt unter dem gleichen Namen eine Plattform, auf welcher sich die am Kreditgeschäft beteiligten Parteien direkt selber finden. In der Fachsprache haben sich dafür die englischen Begriffe Peer-to-Peer- oder Crowd-Lending oder der deutsche Ausdruck Schwarmfinanzierung etabliert.

    Diese neue Art der Kreditvergabe ist für Kreditnehmer insofern von Vorteil, als die Zinskonditionen mitunter tiefer liegen als im herkömmlichen Privatkreditgeschäft. Die meisten Kredite auf CreditGate24.com werden, nach Aussagen von Christoph M. Mueller, CEO und Gründer von CreditGate24, derzeit für einen Zinssatz in Höhe von 4 bis 7 Prozent vergeben, je nach Kreditwürdigkeit des Antragstellers. Der Kreditantrag erfolgt online, die Kreditprüfung funktioniert unkompliziert und schnell.

    creditgate24

     

    «Der Kreditprüfungsprozess von CreditGate24 entspricht den gängigen Branchenstandards im Kreditgeschäft. Wir können die CreditGate24-Plattform deshalb mit gutem Gewissen unseren Kunden empfehlen sowohl für Kreditnehmer als auch für Kreditgeber», sagt Marianne Wildi, CEO der Hypothekarbank Lenzburg AG.

    «Wir sind glücklich, dass wir mit der Hypothekarbank Lenzburg einen innovativen Partner gefunden haben, und freuen uns, dass wir für die Kunden der Hypi Lenzburg unter http://www.creditgate24.com/hbl künftig eine faire Lösung für Privatkredite anbieten können», sagt Christoph M. Mueller.

    Die CreditGate24-Plattform ist seit März 2015 in Betrieb und hat in dieser Zeit rund 250 Kredite vermittelt. Das Gesamtvolumen der vermittelten Kredite bewegt sich im zweistelligen Millionenbereich. CreditGate24 erhofft sich durch die Kooperation mit der Hypothekarbank Lenzburg die Erweiterung ihres Kundenkreises. Zudem das Fintech-Unternehmen für die Zahlungsabwicklung den Service der Hypothekarbank Lenzburg.

    Für die Hypothekarbank Lenzburg ist die Kooperation mit CreditGate24 eine konsequente Weiterführung ihrer Fintech-Strategie. Als Gründungsmitglied des Branchenverbands Swiss Fintech Innovations ist die Bank mit der Fintech-Szene kulturell und methodisch stark verbunden. Die Kooperationen mit Qontis («HypiFinanztool», im App-Store erhältlich) und Advanon  (siehe hier (http://www.hypicash.ch) haben schon früher gezeigt, dass die Hypothekarbank Lenzburg ein ernst zu nehmender Förderer und Partner der Schweizer Fintech-Szene ist.

    «Wir werden weiterhin systematisch Anbieter von digitalen Finanzdienstleistungen prüfen und stellen diese Angebote unseren Kunden zur Verfügung, wenn sie ihnen Vorteile bringen. Im Fall von CreditGate24 ist dies der Fall, weil wir Privatkredite bisher nicht angeboten haben, mit der Online-Plattform nun aber eine gute, sichere und faire Lösung gefunden haben, die den Ausbau unserer Dienstleistungspalette als sinnvoll erscheinen liess», sagt Marianne Wildi.

    The post Hypothekarbank Lenzburg nutzt Fintech für das Privatkreditgeschäft appeared first on Fintech Schweiz Digital Finance News – FintechNewsCH.

    Fintech Schweiz Digital Finance News – FintechNewsCH

     
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