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nouhaila_zaki

Developing a P2P lending platform: stages, strategies and platform configurations | Eme... - 1 views

www.emerald.com/...html

P2P Lending Fintech Strategy Success

shared by nouhaila_zaki on 13 Feb 21 - No Cached
  • Our process model contributes an in-depth view of how P2P lending platforms should be established and nurtured to complement the existing studies in this rapidly growing research area. In addition, our study also hints at the strategies that can facilitate the various stages. Our model can potentially serve as the foundation for formulating guidelines for the managers of P2P lending platforms, so that they are able to optimize the development of their platforms and extend the benefits of P2P lending to a broader base of customers.
    • kenzabenessalah
      kenzabenessalah on 13 Feb 21
       
      P2P lending would help EasyEquities expand their platform and optimize the development of their platforms for constant success.
  • Online Peer-to-Peer (P2P) lending platforms are becoming increasingly popular globally in recent years. Our knowledge of how to develop and manage the digital platforms that make P2P lending possible, however, is limited. Through an in-depth examination of the strategies deployed and actions taken across the various stages of development of Tuodao, one of the most successful online P2P lending platforms in China, the purpose of this study is to develop a process model of P2P Lending Platform Development to address this knowledge gap.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This article is important because it investigates how to develop and manage digital platforms that make P2P platform successful through the consideration of Tuodao, one of the most successful online P2P lending platforms in China.
kenza_abdelhaq

Peer-to-Peer Lending: Best Websites of February 2021 - 0 views

www.investopedia.com/...eertopeer-lending-websites.asp

Fintech Strategy Peer-to-Peer Lending Lending

shared by kenza_abdelhaq on 13 Feb 21 - No Cached
  • If you can’t or don’t want to borrow money from a brick-and-mortar bank or a conventional online lender, peer-to-peer (P2P) lending is an option worth exploring. P2P lending works differently from the financing you may have received in the past. You are not borrowing from a financial institution but rather from an individual or group of individuals who are willing to loan money to qualified applicants. P2P lending websites connect borrowers directly to investors, as these lenders are called. Each website sets the rates and the terms (sometimes with investor input) and enables the transaction. P2P has only existed since 2005, but the crowd of competing sites is already considerable. While they all operate the same basic way, they vary quite a bit in their eligibility criteria, loan rates, amounts, and tenures, as well as their target clientele. To jump-start your search, we scoured the online P2P marketplace and came up with these top six platforms, depending on your exact financial situation.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      P2P lending could be a strategy pursued by the eligible fintech companies that we have this semester. P2P lending means that the company would not be borrowing money from a financial institution but rather from an individual or group of people that are willing to lend money to qualified applicants/organizations. This article enumerates the most prominent platforms for P2P lending.
  • Types of Loans Available Through Peer-to-Peer Lending P2P loans can be used for many of the same purposes as personal loans. Here are a few of the loan types you may find on popular P2P websites.  Personal LoansHome Improvement LoansAuto LoansStudent LoansMedical LoansBusiness Loans
    • kenza_abdelhaq
      kenza_abdelhaq on 13 Feb 21
       
      If a company does not want to borrow from conventional banks or a fintech company want to offer this service, Peer-to-Peer lending is a great alternative.
nourserghini

Startup Ecosystem Map of Ethiopia - 0 views

ethiopia.startupblink.com/...belcash

Belcash Unbanked Ethiopia Services

shared by nourserghini on 13 Feb 21 - No Cached
  • ICT platform for mobile banking: micro money transfer (P2P), pay my bill, send local/international remittances, online payment solutions, buy calling credit. Ethiopia is one of the most underbanked countries, only 5% of the population has a bank account. Currently 617 bank branches in Ethiopia are serving 85 million people. Most rural areas lack banking infrastructure. Innovation: send money directly to anyone with a mobile phone, a free bank account for the receiver is opened promptly.
    • nourserghini
      nourserghini on 13 Feb 21
       
      Belcash provides a platform for mobile banking that includes p2p, remittances, online payment, pay my bill, etc. Belcash also has the advantage that only 5% of the population are banked which leaves 95% in need of their services in order to survive financially.
mehdi-ezzaoui

A case-based reasoning approach to rate microcredit borrower risk in online Kiva P2P le... - 1 views

www.emerald.com/...html

KIVA online p2p lending

shared by mehdi-ezzaoui on 13 Feb 21 - No Cached
  • he adopted approach is applied and evaluated employing a selection of cases from individual loans. From this perspective, the case base and the codified knowledge about how to evaluate risks associated with a loan represent two examples of knowledge IT artifacts.
  • mehdi-ezzaoui on 13 Feb 21
     
    The authors discuss how the combination of available historical data on loans and their outcomes (structured as a case base) and available knowledge on how to evaluate the risk associated with a loan request can be used to provide the end users with an indication of the risk rating associated with a loan request based on similar past situations.
kenza_abdelhaq

ᐉ Peer-To-Peer Lending * How We has Contributed to P2P lending - 0 views

perfectial.com/...peer-to-peer-lending

Fintech Strategy Peer-to-Peer Lending Lending

shared by kenza_abdelhaq on 13 Feb 21 - No Cached
  • Despite the fact peer-to-peer lending has numerous benefits over the classic model, it also has certain potential drawbacks, such as lower level of security and personal guarantees as compared to bank loans. This is why only the most reputable P2P lending marketplaces with a positive track record are potentially able to boost the entire fintech industry.
    • kenza_abdelhaq
      kenza_abdelhaq on 13 Feb 21
       
      Peer to peer lending has great potential with regard to the fintech industry. It could also be an alternative for farmers to have access to funding.
mbellakbail69

South Africa Mobile Wallet and Payment Market Opportunities (Databook Series) - Market ... - 0 views

www.researchandmarkets.com/...bile-wallet-and-payment-market

Mobile Payment Snapscan

shared by mbellakbail69 on 27 Feb 21 - No Cached
  • South Africa Market Share of Key Mobile Wallet CompaniesProvides market share by key players in value terms.South Africa Market Share by Mobile Payment Technology: Provides market share by key mobile payment technologies –SMS / USSD,NFC,Code Based, andWeb Based.South Africa Mobile Proximity Payment Market Size and ForecastMobile payment and mobile wallet market size and forecast by mobile proximity payment
samielbaqqali

South Africa's $29+ Billion Mobile Wallet & Payment Market, 2016-2025 - Featuring Flick... - 0 views

www.globenewswire.com/...etPOS-SnapScan-and-Zapper.html

Fintech Payments Snapscan

shared by samielbaqqali on 11 Feb 21 - No Cached
  • The mobile payment industry in South Africa is expected to record a CAGR of 12.9% to reach US$ 29,424.3 million by 2025. The mobile wallet payment segment in value terms increased at a CAGR of 12.6% during 2018-2025.This report provides a comprehensive view on mobile payment / mobile wallet market size and growth dynamics, industry dynamics, retail spending, consumer attitude and behaviour, and competitive landscape in South Africa. The report focuses on data-centric analysis of mobile payment market dynamics to help companies understand business and investment opportunities along with risks.
  • The mobile payment industry in South Africa is expected to record a CAGR of 12.9% to reach US$ 29,424.3 million by 2025. The mobile wallet payment segment in value terms increased at a CAGR of 12.6% during 2018-2025.This report provides a comprehensive view on mobile payment / mobile wallet market size and growth dynamics, industry dynamics, retail spending, consumer attitude and behaviour, and competitive landscape in South Africa. The report focuses on data-centric analysis of mobile payment market dynamics to help companies understand business and investment opportunities along with risks. It details growth dynamics in 45+ market segments (600+ KPIs) across mobile commerce, mobile P2P transfer (domestic and international remittance), mobile lending, and a range of other payment avenues in South Africa.
  • hichamachir on 11 Feb 21
     
    In my point of view, the growth of the market size of mobile payment technology is kind of obvious because the world is heading towards a new generation of digitalization and companies are creating new technologies in order to dominate a certain market. SnapScan does offer a new technology which is QR codes and this technology does contribute to the development of the mobile payment technology.
  • samielbaqqali on 12 Feb 21
     
    The increase in mobile payment technology's market size is somewhat evident because the world is moving into a new age of digitalization and businesses are developing new technologies to dominate a certain market.
nouhaila_zaki

Ethiopia Mobile Wallet and Payment Market Opportunities (Databook Series) - Market Size... - 0 views

www.researchandmarkets.com/...bile-wallet-and-payment-market

Ethiopay Ethiopia Mobile Payment Industry

shared by nouhaila_zaki on 13 Feb 21 - No Cached
  • According to the author, the mobile payment industry in Ethiopia is expected to record a CAGR of 18.7% to reach US$ 7,818.2 million by 2025. The mobile wallet payment segment in value terms increased at a CAGR of 18.3% during 2018-2025.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This excerpt is important because it introduces the Ethiopian mobile payment industry in which Ethiopay operates, and predicts its evolution.
omarlahmidi

Ethiopia Mobile Wallet and Payment Market Opportunities Databook 2019 Featuring M-Birr,... - 0 views

www.prnewswire.com/...thiopay-yenepay-300963746.html

Belcash Africa Mobile_Payments

shared by omarlahmidi on 11 Feb 21 - No Cached
  • The mobile payment industry in Ethiopia is expected to record a CAGR of 18.7% to reach US$ 7,818.2 million by 2025. The mobile wallet payment segment in value terms increased at a CAGR of 18.3% during 2018-2025.
    • kenzabenessalah
      kenzabenessalah on 11 Feb 21
       
      It is fascinating to see such African companies grow tremendously over a short period of time. EthioPay is among one of the companies that helped the mobile payment industry in Ethiopia increase at a CAGR of 18.3% and is still expecting to grow.
  • The mobile payment industry in Ethiopia is expected to record a CAGR of 18.7% to reach US$ 7,818.2 million by 2025. The mobile wallet payment segment in value terms increased at a CAGR of 18.3% during 2018-2025.
    • sawsanenn
      sawsanenn on 13 Feb 21
       
      A significant number of smartphone subscribers are feature phone users, and smartphone users are increasing recently due to the rising availability of more affordable smartphones on the local market.
  • This report provides a comprehensive view on mobile payment / mobile wallet market size and growth dynamics, industry dynamics, retail spending, consumer attitude and behaviour, and competitive landscape in Ethiopia. The report focuses on data-centric analysis of mobile payment market dynamics to help companies understand business and investment opportunities along with risks. It details growth dynamics in 45+ market segments (600+ KPIs) across mobile commerce, mobile P2P transfer (domestic and international remittance), mobile lending, and a range of other payment avenues in Ethiopia.
  • ...5 more annotations...
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This article is very interesting because it briefly introduces the findings of a report that provides a comprehensive view about the Ethiopian mobile payment/mobile wallet industry in which Ethiopay operates.
  • Companies Mentioned M-Birr BelCash Amole EthioPay YenePay
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This excerpt is important because it enumerates Ethiopay's main competitors.
  • Ethiopia Market Share by Mobile Payment Technology: Provides market share by key mobile payment technologies -
    • ghtazi
      ghtazi on 13 Feb 21
       
      you can pay by : SMS/USSD NFC Code-Based Web-Based
  • Ethiopia Mobile Wallet and Payment Market Opportunities Databook 2019 Featuring M-Birr, BelCash, Amole, EthioPay, YenePay
    • nourserghini
      nourserghini on 13 Feb 21
       
      This article discusses the mobile wallet market in Ethiopia and mentions providers like Belcash such as M-birr, Amole, Ethiopay and YenePay which are potential competitors.
  • Report ScopeThis report provides in-depth market opportunity analysis and growth dynamics of mobile payment industry in Ethiopia. Below is a summary of key market segments:Market Size and ForecastMobile payment and mobile wallet market size and forecast across 45+ markets segments on three essential KPIs - mobile payment transaction value, volume and average transaction value.
    • omarlahmidi
      omarlahmidi on 14 Feb 21
       
      This article discusses the mobile payment industry. It also talks about providers such as Belcash.
tahaemsd

Nigeria's Carbon launches its new Social Banking Service | The Fintech Times - 1 views

thefintechtimes.com/its-new-social-banking-service

banking modernization development africa carbon

shared by tahaemsd on 09 Feb 21 - No Cached
  • Nigeria’s leading digital financial services company, Carbon in an effort to improve the experience of its customers, has launched Carbon Express – A keyboard extension that allows customers to access Carbon services from within whatever app they are using.
  • Carbon Express enables users to initiate and complete transactions such as P2P transfers and bill payments from the keyboard without launching the Carbon App or leaving the current app that they are using. Instead, they will be able to access services from the touch of their keyboard enabling quicker Instagram or Whatsapp commerce.Carbon Express maintains the same PCI DSS compliant model of encryption, authentication, and security as Carbon’s other services, thereby guaranteeing the security of all transactions. The feature relies on the keyboard technology of smartphones to facilitate transactions. The technology adds a unique Carbon branded button to the customer’s smartphone keyboard which they can tap anytime to perform transactions. Think of sending an emoji but this time it’s real cash.
  • chaimaa-rachid on 09 Feb 21
     
    It seems interesting the creation of an extension that permits clients to get to Carbon services from any application they are utilizing. Sometimes we don't want to quit the application we are using. This is why Carbon created this new extension where clients will be able to complete their transactions like bill payments from the keyboard without using the Carbon application and also without being obliged to exit the current app they are utilizing.
nourserghini

Nigerian fintech startup Carbon launches social banking service - Disrupt Africa - 0 views

disrupt-africa.com/...aunches-social-banking-service

Carbon Service CarbonExpress Ghana

shared by nourserghini on 13 Feb 21 - No Cached
  • Its latest service – Carbon Express – enables users to initiate and complete transactions such as P2P transfers and bill payments from the keyboard without launching the Carbon app or leaving the app they are using. Instead, they will be able to access services from the touch of their keyboard enabling quicker Instagram or WhatsApp commerce.
    • nourserghini
      nourserghini on 13 Feb 21
       
      Carbon express is one of the latest technologies implemented by Carbon which allows faster transactions through the keyboard only without the app.
sawsanenn

SimbaPay | F6S - 0 views

www.f6s.com/simbapay

FinTech E-payments Kenya

shared by sawsanenn on 13 Feb 21 - No Cached
  • Customers can also use our bill settlement technology to pay merchants in Africa such as universities, mortgage providers, hospitals, utility companies etc. Payments are instant and we cut out the 'middle-man' thus reducing transaction costs for the customer.
  • Customers can also use our bill settlement technology to pay merchants in Africa such as universities, mortgage providers, hospitals, utility companies etc. Payments are instant and we cut out the 'middle-man' thus reducing transaction costs for the customer.
    • ghtazi
      ghtazi on 13 Feb 21
       
      Simbapay permits its users to use their technology to pay merchants in Africa and promises an instant payment, and reduce the transaction costs.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      The excerpt is important because it provides us with an overview oof product/service offerings from SimbaPay. The main objective of SimbaPay seems to be cutting out the middle man, and reducing the transaction costs that customers used to pay for before.
  • We offer additional services to Diaspora such as opening bank accounts back home using our app. This initiative won us the Demo Africa 2015 award and has seen strong interest thus far. We are also working on offering other Diaspora services such as insurance for relatives back home and P2P lending from Diaspora to borrowers back in Africa.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This excerpt is important because it complements the previous paragraph, as it introduces another set of services offered by SimbaPay. These services targetted towards the Diaspora are core to what SimbaPay proposes to customers.
  • ...1 more annotation...
  • We let customers send money to family and friends in Africa in a fast, convenient and cheap way. Users in the UK & Europe can use our app to have money delivered instantly to mobile wallets or bank accounts of their loved ones in Africa.
    • sawsanenn
      sawsanenn on 13 Feb 21
       
      It is a good and trustworthy way to send money to Africa. the fact that they make the transaction cheap can give simbapay a competitive advantage
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