background preloader

Fintech OpenLab

Facebook Twitter

Why Fintech is Hard: Lessons from the CEO of Bondcube. Peer-to-Peer Lending—Disruption for the Banking Sector? By Samantha Barnes – samantha.barnes@internationalbanker.com Peer-to-peer lending (sometimes referred to as P2P lending, or abbreviated to P2PL) is a form of loan provision centred on an online marketplace forum structure.

Peer-to-Peer Lending—Disruption for the Banking Sector?

The forum is designed to match able lenders with suitably appropriate borrowers using an online platform. The online platform provides the interface for the loan sector—where supply may meet demand. The peer-to-peer lending, and peer-to-peer investing, industries have taken off well since the time of the global financial crisis seven years ago. Investors, who have been looking for alternative avenues of returns for their capital, have gained interest in the peer-to-peer sector. P2PL is the practice of lending money to unrelated individuals, or “peers”, without going through a traditional financial intermediary such as a bank or other established financial institution.

Over the past 10 years, technology has revolutionised banking and financial-services sectors. Making sense of the FinTech Startup Ecosystem. Fintech Investment Boom is an Opportunity for New York to Lead in Technology, According to Report by Accenture, Partnership Fund for New York City. Report: Global FinTech Investment Will Grow to at Least $6 Billion by 2018. Your New IT Infrastructure - The Journey Continues. It's Time to Retire 'Crap Circles' - Gardiner Morse. By Gardiner Morse | 11:27 AM March 19, 2013 Every time I encounter a crap circle my heart sinks.

It's Time to Retire 'Crap Circles' - Gardiner Morse

I first wrote about these contemptible “information” graphics in HBR in 2005, and since then they’ve only seemed to multiply. You know what these are — you may have even used them — though you may not have had a name for them. I aim to change that. These pernicious circles-and-arrows diagrams infest PowerPoint and other business presentations, purporting to clarify an idea while actually obscuring it. As I wrote back then, when you find yourself about to drop a crap circle into your slide deck, stop. Here’s the original article. The most dubious business plan can look solid — even smart — if it’s cast as a virtuous circle. Though you’ve seen a million of these, you’ve probably never thought much about them. Consider these examples: The circle below, from a global accounting firm’s website, is used to illustrate the company’s consulting services for owner-managed businesses.

Atmonitor.co.uk/content/researchimages/Fintech_Insight_2014_Metia.pdf. Fintech Open Lab. Data visualization trends in Business Intelligence: Allison Sapka a... Big Bang Disruption. 1) Consult your truth-tellers Find industry visionaries who see the future more clearly than you do, and who won't sugar-coat it even when you want them to. 2) Pinpoint your market entry Learn to separate the little bumps from the Big Bangs, choosing just the perfect moment to enter a new ecosystem. 3) Launch seemingly random experiments Practice combinatorial innovation directly in the market, collaborating with suppliers, customers, and investors—who may be one and the same. 4) Survive catastrophic success Prepare to scale up from experiment to global brand in the space of months, if not weeks, and to redesign your technical and business architecture even while running at full speed. 5) Capture winner-take-all markets Sacrifice everything, including short-term profits, to ensure victory in winner-take-all markets, especially when success with one disruptor can be leveraged into follow-on products that can be created and launched even faster than the original. 6) Create bullet time.

Big Bang Disruption