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28.01.2014 admin
Our contention is, that what we are seeing now, is not only a technical advancement in financial services, but a fundamental change in the value chains with technological disintermediation. Data at your fingertips, literally. Consider the vast amount of data stored on your handheld device, from your health information, your exercise habits, routines and other private, but very telling information about your life. On 7-8 June 2016, TradeUp (a Grow VC Group company) Founder and CEO Kati Suominen joined the central point for leaders in the global trade and supply chain ecosystem, the World Trade Symposium, in London.
Measures to facilitate trade in low-cost items, such as through a plurilateral agreement on de minimis.
Recently I had the privilege to discuss changes and macro trends globally in different industries with a group of change management executives.
To take a step back, the telecom sector went through a change where telecom operators largely provided the infrastructure which was both low margin yet difficult, cost-intensive and expensive to maintain and new innovators (think Skype) came into provide services on top of this infrastructure. With the requirement and trend toward open APIs of financial services and core financial products, a similar type of dis-intermediation is in effect in financial services. Business also face various complexities beyond new positioning, least of which comes with timing in a new market. Regulators and policy makers also have to adapt to new changes, which comes with the need for understanding what the market is and what it is not, where it is going and which growth opportunities it presents. Beyond a discussion of whether or not this development is good or bad may almost be redundant, as it’s a matter of opinion. As announced earlier, Kapipal (a Grow VC Group company) has moved to new platform only and the old site was ramped down on May 22. Today, we are happy to announce new update to our service including better user experience on payments. Payment update makes it easier for creators to collect contributions as well as contributors to make the payment.
Join Grow Advisors (a Grow VC Group company) in Central London on Wednesday June 29, as we lead another edition of the successful seminar Essential Online Marketplaces. Gain valuable insights and learn about the changes taking place in the fastest growing areas in financial services today: lending and raising capital online.
We would like to welcome professional from the investment community as well as technology and professional services firms who support them. Governments and regulators have been hard at work in recent months to get the most out of the revolution happening in the financial services industry with the nascent fintech sector. Harriett Baldwin, Economic Secretary to the Treasury, announced in April, at the 2016 Innovate Finance Global Summit in London, a fintech panel to set a strategy in the UK and a regulatory sandbox. During the same period, the Australian Securities and Investments Commission (ASIC), announced a ‘regulatory sandbox’ for Australian fintech startups, allowing firms to “manage regulatory risks during the testing stage, reducing the cost and time to market”, and with the aim to create a leading fintech innovation hub in the region. Again in April, the Monetary Authority of Singapore (MAS) announced new initiatives to boost the country’s position as a global hub for the emerging financial technology sector. Partnering is a strategic action most companies from one-man company to largest multinationals are using as part of their overall strategy. Reasons for the partnering actions can usually be divided in three different reasons based on the immediate focus the partnering is aimed at improving. The first one is that companies try to get a sustainable competitive advantage by joining forces with one or more companies.
The last one is purely to get more innovations or more innovative as an organization by looking for (normally small) firms with groundbreaking ideas. There are also some companies, one good example is a leading elevator company Kone, which are using partnering process as finding targets for M&A activities. Using partnering as a way to find acquisition targets is a good indication that partnering is not, or at least, should not be a one-time effort. The markets are recognizing the benefits the partnering is bringing to the operations and are rewarding that in the valuation of the company share price. The first one can be thought to be self-evident but it seems to be quite difficult for many companies. There are cases where one side (and also cases where both sides) of partnering are not getting the benefits they were hoping for and end up worse because of the partnering. Because the partnering is a skill game, any company needs to plan properly and practice by doing it with as many companies as is needed to get positive returns.
Even though it is the execution which is bringing the real value from partnering, it is usually also expected that the investors see and understand the value gained from partnering activities.
As discussed above, partnering is almost compulsory to all companies in present day competitive environment and it should be done as one of the core processes of the company. The last quarter of 2015 saw a reduction in investments into the fintech sector, with a sensible decrease from the incredible numbers of the previous quarters.
According to a new report from CBInsight and KPMG the deal activity on fintech startups rose 39% in Q1 2016 over the previous quarter, and it’s now on track to reach new records in this year. It’s a fact that growth in funding during the last months has been supported by large investments, with thirteen $50M+ rounds in VC-backed fintech companies. RegTech is technology that seeks to provide regulatory solutions, that can help decrease costs related to risk management and compliance monitoring. While a more mature market always comes with its own challenges, we remain convinced that the basic premise and inception of new models entering finance are still as relevant today as a few years ago.
Tallinn, Estonia, June 1, 2016—Crowd Valley, the digital back office provider for online private securities platforms, announces its collaboration with the Estonian e-Residency program. Crowd Valley clients get a suite of services that helps them keep as much of their value chain as possible totally digital.
Estonia, a European Union member state, is the first country to offer e-Residency, a transnational digital identity available to everyone in the world. Crowd Valley e-Residency cooperation announcement at Latitude59 in Tallinn, first from left Kaspar Korjus, head of Estonia’s e-Residency, and Paul Higgins, Crowd Valley CTO. Join the Agentic Group Thursday, June 9th at Reed Smith Law Firm for an enlighting discussion of Fintech, Second Markets and Venture Finance Innovation in the US. This event will unpack some of the winning strategies that are disrupting, enhancing and evolving the finance world and the technology ecosystem surrounding it. How traditional finance companies (banks, funds, hedge funds) can utilize and cooperate with fintech and blockchain. Kapipal (a Grow VC Group company) loves rock’n’roll, and has the heart for the world of music and the music business. As said, Kapipal supports independent music festivals around the world and rock’n’roll is here again on Thursday, June 2, 2016 in Caserta (Italy), in the bucolic setting of Villa Santa Cristina for a sparkling pool party, outdoor, free barbecue, paced rock! On stage some of the most important bands of the Campania regional scene and beyond! Head liner the Bradipos IV, the surf band par excellence, famous all over the world and pride of Caserta City, ready to leave for another tour on the California coast. The Madness Circus, angry and powerful metalcore, already winners of the Hard Rock Cafe contest.
The Kollider, making their debut live, they will do headbanger conil their thrash metal with strong Scandinavian and Viking influences. And if that’s not enough, there will be the Garden of Heaven to give us moments of pure spectacle retracing the greatest hits of Guns’ n Roses story! Kapipal provides labels a great way to scout new bands and validate their potential – Contact us! Access to credit has always been crucial to achieve economic growth in the United States, a country where small businesses are responsible for two thirds of the new jobs created over the past twenty years.
This white paper identifies several areas of focus to foster sustainable growth and access to credit through the continued development of online marketplace lending. Untested business models and underwriting tools developed in a period of low interest rates and overall strong credit conditions. How can we better understand when a new innovation really changes the business, and represents a revolution and threat to incumbent companies?
For example, in fintech it is just an evolution to get a new technology platform for online banking services, but a revolution changes the role of banks and more generally the value chain within the very roles in it.
Apple didn’t just make a better phone than Nokia, they created the App Store and content business for third parties.
When a new innovation emerges, incumbent companies often see it is just a new piece of technology, and they can utilize it with their old business model.
Maybe we can say startups want to over-estimate the impact of a new innovation and incumbent players want to under-estimate it.
Cognitive psychology teaches us that humans are easily fallible as it comes to assessing the extent to which events are within their control. Financial services by volume has several interesting occupations, least of which is trading. AI and machine learning are still in early phase, but the practical implications with modern processing power continuously increasing is phenomenal and unprecedented. None of the current market applications in digital finance make use of real AI, despite what hype around robo advisor services may imply. The US Treasury issued an extensive analysis and commentary of the state of affairs in the most established sector within fintech, marketplace lending.
The notion of caution was issued around the sustainability and stability of business models in marketplace lending, particularly as it concerns a novel and dynamic market that is still finding its long term footing. In our work with financial institutions and fintech pioneers, we often refer to three tenets of what the concept of digital finance builds on, that is efficiency, access and transparency.

By detailing workflows and providing access to detailed reporting for market participants, can digital finance pioneers and leaders alike provide a way to further the conversation and develop toward optimal models that allow for learning in the market, but also keep the market participants abreast of events. There is no action needed for the many of you who have already started to use the new platform – keep up the good work! For those who don’t have active campaign on the old platform can easily start new one on our new site.
The migration guide is provided to all who have questions about the transfer from old platform to new one. When citing the growth of the fintech market, its common to see indicators such as VC investments in the market referenced. This comes at a while of a large technology overhaul within various financial services organizations, where we’ve had the pleasure of various conversations. Another anecdote comes from a technical lead from a large financial services institution, in their lending department.
This paints an interesting picture, one of large scale adoption and validity in the market that is met with the realities of existing infrastructure and its limitations. The London Stock Exchange (LSE) organized an investment fund conference in late March, with alternative finance playing an important role at the event.
A question in the conference was, to discuss best models for investing in lending and other alternative finance platforms.
The markets development is still at a nascent stage, with significant growth to be expected for several years ahead as the market gains validity and volume. The applications however are still often elusive as organizations search how these macro trends impact their existing operations and seek out where they are uniquely positioned and can compete in the market of tomorrow.
Fancy terminology aside, even this ‘concept’ or development has many facets and is happening on various levels, in different verticals and from both the bottom up and top down. Given the amount of talent and dedication working on these applications, the implications will surely be vast, diverse and long term. Co-sponsored by the Financial Times and MISYS, the leading financial services software provider, the exclusive high-level forum featured global and regional leaders in business, finance, technology, politics and economics – to inspire, educate, and foster the future of connected commerce.
While we discussed various topics, including incumbents abilities to innovate in new markets, cannibalization among other topics, we got talking about the changes of financial services institutions becoming the new effective ‘bit pipes’ (comparison from telco’s) and more so, if this is actually a bad thing? And more often than not, these innovators would provide the high margin services sought after by clients effectively dis-intermediating the telco and cementing the telco’s position in the background.
Further than that, it seems together with macro trends such as declining consumer sentiment toward banks and new innovations in the customer experience, financials services firms are being pushed farther and farther into the background. The ultimate beneficiary of progress in markets is the end user and in financial services this is visible in various ways, including a more modern way of attaining services such as wealth management and core banking, to more pressure on prices and competition in specialist services such as foreign exchange, transfers and payment services. Particularly when faced with difficult choices of cannibalization of existing business lines and competing on costs with new innovators, the question of when to act can be paramount in optimizing opportunity and potential lost revenue from existing business lines. Confusion and uncertainty cause friction in markets and consistency is what the ecosystem looks for in the policy makers approach. Yet it’s now apparent, that the trend is in fact in full swing and proceeding what ever we may think about it.
There was an exciting three months of running both sites parallel as we wanted to ensure that the campaigns on the old site were able to run until their finish without any hassle. Now it’s even easier to find your projects, edit them or how do they perform and who have contributed.
Our goal is to equip you with vital knowledge that will allow you to avoid common pitfalls, and to develop and launch businesses faster. Creating a regulatory sandbox, to mitigate risk and let innovation flourish, is the path they have decided to follow. As defined by the UK Financial Conduct Authority (FCA), a sandbox is “a ‘safe space’ in which businesses can test innovative products, services, business models and delivery mechanisms while ensuring that consumers are appropriately protected.” Companies have still a month to apply for the first cohort of the regulatory sandbox, the deadline is set for 8 July 2016. Last but not least it has been the turn of France, where the Autorite des Marches Financiers (AMF), announced the launch of its Fintech, Innovation and Competitiveness (FIC) division, operational as of 1st June 2016, with the aim to enhance the competitiveness of the Parisian financial centre and to analyse new risk and opportunities.
We believe so, even though we will need to see how the details pan out in the various countries, as we don’t have much information on the programs or their longer term impact.
Veli-Matti Lahti, who has done research on the value and strategies of partnering and also been responsible for the partnering in multi-national companies.
The main partnering trend has started in the US during the mid-seventies and has spread from there all over the world during the past forty years.
In this process the companies actively look for partners, start to work with them and continue it for few years and then when the partner’s operative functions are properly integrated into the company’s operations and it has proved to be worthy, it is acquired by the company.
This is so specifically for larger companies because partnering is not an event which happens and then the company is in Shangri La, but a process which needs to be learned and mastered to get the most benefits out of it.
As mentioned above, partnering is a skill which needs to be practiced and done over and over again so that the company is able to execute the partnering process in a manner that it brings as much benefits as possible from the partnering. One vital point here is to have a professional partnering organization which is responsible for planning the partnering activities, finding, evaluating and selecting the partner candidates, managing the partnership (this does not mean running or executing the activities which were fixed in the partnering agreement, but the overall management), and when the time is right, end the partnership.
Most companies are informing stakeholders and specifically investors of partnering activities and hope that the markets are valuing the news positively. If the partnering is not a well working and continuous process there could be numerous things which are ruining good intentions of partnering and value it was expected to bring. Market analysts started to become skeptical that the industry could continue to grow at the same pace, with a slowdown for the start of the year that was foregone.
With $4.9B deployed across 218 deals, VC-backed companies took 86% of overall fintech funding. The UK is taking the early lead in the area, with the Financial Conduct Authority (FCA) opening a regulatory sandbox to allow businesses to test innovative services, products and business models aimed at enhancing customer outcomes while mitigating regulatory and reputational risks.
Crowd Valley will develop and extend its offerings through its work with e-Residency, a secure digital identity platform. E-Residency is helping to create fully digital financial services, and Estonia is a pathfinder in the digital sphere,” says Markus Lampinen, the CEO of Crowd Valley.
E-Residency enables everyone, everywhere to securely identify him or herself online, open and run a location independent business, and take advantage of a marketplace of services specifically for e-residents.
Crowd Valley provides the full digital infrastructure needed for digital finance platforms accessible through a single online interface layer (API). By giving foreigners and non-residents access to Estonia’s public and financial e-services, Estonia is building a borderless digital society and unleashing the world’s entrepreneurial potential. With e-Residency, entrepreneurs can: get easier access to EU markets, open a bank account and conduct e-banking, use international payment service providers, declare taxes, and sign all relevant documents and contracts remotely.
We are finding talented music projects with the independent labels to find the musical talents hidden in the garage and the pubs of our cities. Use Kapipal to pre-sell tickets or albums, special promotions, merchandise…you name it – Why not start already today!
Originally connecting individual borrowers and lenders, online marketplaces are now structured networks that include partnerships with institutional investors and financial institutions, engaging in both direct lending and securitization transactions. Amongst them, the US Treasury Department underlines the need for all stakeholders to use digitalized credit scoring processes carefully. While there is debate as to the definition of disruptive innovations (see HBR article), the definition is not so relevant in practice. Startups typically have a dream of a change that is a revolution, and incumbents want it to be only an evolution.
Google created a new model to sell and price online ads in its search engine with key words, clicks and auctions.
I worked for Nokia in the late 1990’s and I had to make a strategy for new technology that was emerging to our business area.
The company has done excellent work with marketing and created hype in the early adopter communities. But we can conclude that both are making a mistake if they think a new technology alone changes anything significantly.
Technological advancements in computing power has been remarkable, but the growth and pace of development keeps on accelerating. Humans also easily overestimate their own importance in the events that befall them and in turn underestimate the impact of factors beyond our control, such as timing, the environment and sheer luck. However, if you look at the complex, though logical and information rich environment,s what exactly is defensible for us humans that we can actually hold on to? In raising these points in conversations with more traditional firms in financial services or market participants, a common dismissal is “We’ve been using the basics, a phone and a relationship for decades.
But in the next wave of applications, we are going to be seeing new models unfold that will dwarf our imagination and displace tens of thousands of professionals into new capacities and capabilities.
This comes the same week as the founder and CEO is ousted amidst internal reports of misconduct within the pioneer and leader in the sector Lending Club.
In it the Treasury details several positive trends and spillover effects of marketplace lender pioneers, such as the increased service offered to often underrepresented consumers, the efficiency in the underwriting and decision making process and the benefits of increased competition in an often brick and mortar dominated market. The Treasury noted how the macro environment these companies have grown up to and developed in, has consisted of largely previously anomalous conditions, low interest rates, a financial crash, on one hand a clear increase of requirements on brick and mortar lenders and on the other a push toward more transparent, efficient models in financial services.
Looking at recent events, its clear these values are not to be left unchecked and they are not a given just because a service embodies a digital native presence.

We all have a role to play in the market and we should not accept the status quo at face value or the service we may get, but require and hold all participants accountable in the stride toward universal best practices that go above and beyond that of the the incumbent financial services market.
We communicated that old and new site will run in parallel for three months as we wanted to give our users time to finish their current projects and have a chance to get familiar with the new site.
Only thing to remember is your login details for old site don’t work and you need to sign up again. However accurate these numbers are, 2014 and 2015 have continued a dramatic increase in the pace of investment. An example of which was a recent discussion with a system administrator within a large banking conglomerate who had been brought in to oversee the winding down of existing legacy infrastructure. In the process of getting details of how their collateralized business debt marketplace should function (the configuration process), our team lead asked whether we could piggy bank on the existing infrastructure for business information as it already exists. Navigating these types of particularities is a crucial part of the adoption process and through our work with our clients we have been fortunate to be able to assist in the creation of new ways of delivering services for the modern consumers. Funds and wealth management business has especially need to find more uncorrelated assets in their operations. One conclusion of a panel discussion on the topic was that ‘open-ended’ models don’t work properly with p2p loans. They listed some requirements and candidates for those instruments, for example, 1) they must be scalable and easy to understand, 2) new real estate based instruments, and 3) PRS (Private Rented Sector) investment instruments. What the market needs is sophisticated participants with a long term view and commitment to developing these new models, pioneering new opportunities and setting benchmarks in the market.
We see concepts of big data, augmented reality and the malleable value chains as a set of ongoing discussions that we’re fortunate to be part of, as they are literally shaping how financial services will look tomorrow. Too early can be devastating, but too late can come at a high alternative cost (and down the line real cost) of failing to establish organizations as relevant let alone thought leaders in new markets. We recognize this is often a difficult and multifaceted task, yet the actions regulators are taking (for example with the financial services sandbox initiatives around the world) make it clear this is in fact a new paradigm and not business as usual. It comes with its growth challenges, and presents various areas of opportunity for organizations looking at creating more modern end user services to underserved segments in the market.
At the same time we developed our new site to offer better crowdfunding experience to our users, The Kapipalist. What’s really positive is that governments and financial regulators of some of the most advanced countries are showing awareness and understanding that creating an infrastructure where fintech companies and products could bloom and grow, would help significantly the efficiency of the financial sector and the economy of the country as a whole.
Partnering can be anything from outsourcing a single function such as office cleaning or accounting to another company, to making a multimillion dollar investment into a joint venture with one or more other corporations. The same way as in acquisitions, also in partnering there are high costs involved and high probability that one or both sides will end up in worse situation than it was before the partnering.
Naturally, both (or all companies in case of multi-party partnering) sides in the partnering needs to adjust the partnering to fit its needs whatever the needs are.
This organization needs to establish the processes and practices of partnering as well as continuously document and propagate the best practices. According to my research on publicly listed companies in Nasdaq OMX Helsinki exchange from all partnering activities between 2006 and 2010 there are huge differences in how the communication is done and what is the reaction of the markets.
As in all activities, continuous practicing and experts in one’s own organization is the best way to get it right. Despite the current level of uncertainty, stock market volatility and the impending Brexit referendum, that could see the UK leaving the European Union, the number of fintech deals in Europe increased by a 25% over the previous quarter, with no mega-rounds and one large round between the top 25 with a German online lending platform called Spotcap that raised $34.4 million in February.
The integration allows those with Estonian e-Residency’s secure digital ID to quickly and securely authenticate themselves or digitally sign in the private securities platforms supported by Crowd Valley.
E-residents receive a smart ID card which provides digital identification and authentication to secure services, digital signing of documents, digital verification of document authenticity and document encryption.
We are thrilled to see its applications in the growing global fintech market and to develop new models together with companies like Crowd Valley,” said Kaspar Korjus, head of Estonia’s e-Residency team.
This platform has process modules and workflow templates that enhance customers’ digital finance experience and engagement. The same e-Residency platform allows financial and web service providers, start-ups and developers to avoid country specific solutions and have quick access to international markets by letting clients from anywhere in the world use their services via a secure government verified digital identity. The more relevant question is whether a new innovation opens opportunities for new companies and is a fatal threat to old business. They are about technology, but the reason why they are a revolution is that they are not only technology, they change the business models and business logic of entire industries. Banks want to utilize blockchain to have better database solutions, and startups want to use blockchain to destroy the positions of banks with new business models. Amazon cut the middle-men from the book sales value chain and offered a new customer experience.
Now it is getting a lot of pre-orders for a new model that just comes out after a couple of years.
New big things also include new customers, new customer experience, new business model, changes in the value chain and new division of commodity and value-added components.  Those who want to make a revolution must change fundamentals, not just improve things. Have you thought through the extent of the plausible impact of artificial intelligence (AI) and machine learning in the financial services market? Like all change it will be uncomfortable and fought against, but try arguing the contrary point. Its clear these conditions are not permanent and shifting the environment will have an impact on business models.
If anything else, consumers, partners and stakeholders should hold a spotlight to them rigorously to ensure that perceived transparency is not misused.
The new site offers many improvements and we are constantly updating new features to make even better. In case we didn’t reach you go to our migration guide for more information how to transfer your existing campaign to the new site. Another factor that’s often harder to quantify, is the adoption among the incumbents and established market participants in the sector but arguably its at least as indicative of a larger trend.
They also concluded that the US BCD (Business Development Company, similarities to VC funds) is a very problematic structure to use for p2p loans. Stripe is a widely used and secure payment service provider and was offered on Kapipal earlier as well. And as both companies are having their own individual needs, one skill is to first find a right partner to bring the needed benefits in a way that the other side agrees and also sees the partnering bringing the benefits it needs. And when a company is setting up its partnering organization, it needs to understand that what might be best practice in one company does not necessarily work in another company. Combined with the digital infrastructure that Crowd Valley provides its clients, online platforms can now seamlessly transact in digital finance marketplaces in a purely online fashion. However, recent setbacks experienced by prominent actors stress the importance for all not to sacrifice long-term sustainability and stability while shaping this promising sector. I tried to be smart and named the strategy “Evolution to revolution,” because to speak only of the revolution and a threat would have been politically incorrect internally.
Not only do these represent demeaning way of looking at some of the most promising technological advancements, arguably they represent a deep misunderstanding of just how fundamental this change in landscape is.
Now the three months has passed and we are ramping down the old site on May 19th after which you are unable to access it any more.
That being said, this trend is unmistakeable across the board and sooner or later, it will get completed either smoothly or more likely, through a series of at times critical system failures. At the same time, more and more senior talent from the traditional finance companies are moving to p2p lending and instrument companies. But the much bigger thing that is happening in transportation is self-driving cars and car-as-a-service.
With hundreds of legacy Windows 2003 servers haunting in the background, there was literally no way it would be a good use of anyones time. How else is the gap between the suit and tie wealth management banker and the millennial that doesn’t want to speak to a person going to be bridged?
Contributors can still use credit or debit card for payments and creators collect the money straight to their bank accounts.
All existing campaigns with Paypal are still working with Paypal payment until the campaign ends.
Whereas, if the communication to markets is done well, the positive reaction can increase the company value almost up to ten percentage points immediately after the news have been announced. Maybe combining self-driving cars and an Uber type service, car-as-a-service, is the real revolution?
I won’t order anything that I will only receive after two years at the moment, when the industry can change totally in a few years.

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