Finance 2.0
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With JOBS Act Becoming Law, Crowdfunding Platforms Look To Create Self-Regulatory Body | TechCrunch
Today, President Obama signs the JOBS Act into law, legalizing crowdfunding in startups by non-accredited investors, so that anyone and their mother can invest.Entre vide juridique, conservatisme, protectionnisme des autorités monétaires et lobbyisme des acteurs traditionnels… la finance de demain peine à se développer en France… A tel point que les entrepreneurs du secteur unissent leurs forces pour tenter de sensibiliser les décideurs.
Pourquoi la finance collaborative peine à se développer en France |
Que se passe-t-il quand le monde de la finance rencontre celui de l’innovation ? C’était l’enjeu de cette session proposée par la conférence Lift : essayer de nous amener à saisir l’avenir de la finance, via le regard d’un prospectiviste, celui d’une spécialiste des monnaies distribuées et celui d’un spécialiste de l’innovation financière.
#Lift12 : Au-delà de la finance ? « InternetActu.net
How 2012 will change retail banking forever
By Brett King As we kick off 2012, there are many expectations that as the economy slowly warms up and pressures to innovate increase, that the new year will bring some healthy change and positive resolutions.
Megan McArdle responds to my post about consumer lending in Missouri by expressing skepticism that it’s possible to lend to people with bad credit unless you do so at extremely high interest rates.
Why low-interest payday loans could scale | Felix Salmon
Can Credit Unions Replace 'Predatory' Lending? - Megan McArdle - Business - The Atlantic
Felix Salmon has a really interesting piece about a professor who took out a loan from a personal finance company--at a roughly 40% APR--after her credit union turned her away.
P2P Lending
BankSimple , the highly anticipated web-only bank being built with an emphasis on user experience and no fees, is getting closer to launching, the company said today. CEO Joshua Reich put up a blog post this afternoon announcing that BankSimple has secured partnerships with VISA, Barcorp and other institutions to enable its customers to get transaction rewards and have their deposits FDIC insured. Additionally, the company announced that it has grown its venture capital war-chest from $3.1 million to $13.1 million. The company is testing its products now and says it will launch within the year. In announcing supporting partnerships with more traditional banking institutions, Reich emphasized that the company carefully selected partners that shared its opposition to surprise fees and that support "modern real-time systems that enable deep connectivity with the BankSimple platform."
BankSimple Announces Funding & Partnerships to Launch Real-Time Banking Platform
On December 2007, the New York Stock Exchange adopted Linux . In late August 2008, we saw one of the worse worldwide stock market crash of the last hundred years. This crisis was not predicted by mainstream economists and experts.
Linux and the financial crisis
Finance islamique
If we were creating a bank today, how would we create it? This is a question that comes up regularly and I haven’t tried to answer it for a while, but thought I’d give it a go this week, as it’s timely. The reason it’s timely is that the last time I asked such a question, the focus got into an IP-based bank, where everything would be built upon Internet-Protocol rather than bricks and mortar. I would still take that approach today, and still believe that a bank would focus upon what IP can do for them, but would go further as mobile IP is the focal point today, along with apps. Now, let’s be clear, building a bank today requires many things and so the first thing I’d start with is what sort of feeling I want my bank to convey.
The Financial Services Club's Blog: So how would you build a new bank?
Nicolas Guillaume: Le futur de la banque
Il m'est souvent arrivé de discuter du futur de la banque avec de nombreuses personnes (avec une variante : comment la banque peut-elle innover ?). Je ne citerai que Sylvain Fagnent d'Octo et Raffa Elhafi d'Ananké Partners (aussi auteur d'un article dans la Expansion Management Review ) qui ont partagé leurs visions respectives dans leurs blogs. Et j'ai voulu aussi me livrer à l'exercice. Commençons par la distribution.
avril 9th, 2011 Posted in Interactivité , Les pros Le budget du projet Protei est bouclé. À l’heure où j’écris près de 32 000 dollars ont été récoltés , notamment grâce à un mécène qui a apporté à lui seul plus de 6 000 dollars. Je rappelle le principe : il s’agit de mettre au point un drone marin autonome capable de contribuer à nettoyer les effets d’une marée noire , robot dont les plans et les technologies seront « libres », c’est à dire offertes à la communauté et impossibles à breveter à l’avenir . On voit ici à l’œuvre une économie neuve typique de l’ère Internet et de sa capacité à mettre en contact des gens qui ont des préoccupation communes.
L’argent
A number of people have asked and speculated about why the company I co-founded, Wesabe, shut down earlier this summer. Some of the claims or guesses about it are just factually wrong; others seem misinformed to me; others seem to have some truth. I thought I'd add my own opinion. In November 2006, Wesabe launched as a site to help people manage their personal finances. We certainly weren't the first to try to tackle this problem through a web app, but we were the first of a new wave of companies that came out in the months that followed, characterized but what some would call a Web 2.0 approach to the problem.
Why Wesabe Lost to Mint - Marc Hedlund's blog
Dear G20 , It's confusing. Should you tax bankers' bonuses, or limit their pay? Should you nationalize banks, or let public-private partnerships bid for bad assets? Do markets need morals — or just better regulation?
The Finance 2.0 Manifesto
Road Map for Financial Recovery: Radical Transparency Now!
On the morning of March 29, 1933, dozens of reporters filed into the Oval Office for a press conference with the new president. Franklin Roosevelt had taken office earlier that month amid the greatest economic crisis the US had seen: 5,700 banks had failed, 25 percent of the country was unemployed, and more than half of all mortgages were in default. Hope for a recovery was dim; the public had lost faith in the entire financial system. The number of American investors had exploded, from a few hundred thousand before 1916 to more than 16 million.Ouvrir le monde bancaire ? « InternetActu.net
Par Hubert Guillaud le 17/02/11 | 4 commentaires | 1,631 lectures | Impression La corruption et la fraude sont deux grands défis que nous adressent le fonctionnement de nos sociétés contemporaines, attaque le programmeur, entrepreneur et compositeur Simon Redfern à l’occasion de la conférence internationale Lift qui se tenait il y a peu à Genève ( voir sa présentation ). En Europe, c’est quelque 30 milliards d’euros qui seraient perdus chaque année par la corruption. Image : Simon Redfern sur la scène de Lift, photographié par Ivo Näpflin .kiva
finance 2.0