Spring 21 Capstone 640pm

The rise of Fintech challenges established financial centres and incumbent financial institutions to rethink their strategies to remain obligatory passage points in the age of digitizing finance. To appreciate these changes, it is important to maintain theoretical interchange between developments in financial geography and economic geography, its parent discipline

frica is one of the world’s hot regions for insurance. Steady economic growth in most countries combined with a largely underdeveloped insurance sector have positioned the continent as the second-fastest-growing region for insurance globally after Latin America.

The purpose of this study is to analyze the pricing strategies of French FinTech Firms (FFFs) using quantitative descriptive and correlational research methods. Based on a representative sample of 246 FFF, the study provided consistent support for the hypotheses, which argues that FFFs with high price-setting power may implement a combination of the price-setting strategy (PSS) “skimming” and the price-setting practice (PSP) “value-informed”. FFFs applying “market-based” PSSs tend to use “competition-informed” PSP preferring “pay-per-use” price-setting model (PSM). Whilst FFFs who apply “penetration” PSS tend to use “cost-informed” PSP and “pay-per-use” PSM. The findings support founders and senior management in their pricing decisions. This paper contributes to the existing literature on pricing strategies of early-stage high-tech companies. There is a need for further research about the change of pricing strategies during the lifecycle of a firm using for example a longitudinal quantitative study.

Distributed-ledger technology (DLT) enables safer, faster and cheaper transactions in an ever-increasing number of sectors. The Commission considers DLT as a breakthrough technology that is key for the EU's competitiveness.

Bismart, a Kenyan insure-tech company has unveiled an online e-commerce platform that will enable insurance companies, brokers and agents to connect with their customer’s end- to- end. Known as Pamsmart, the cloud-based platform will allow different players to create products relevant to specific target group and businesses.

The purpose of this study was to establish the effects of implementation of Fintech strategies on competitiveness in the banking sector in Kenya

Bismart, a Kenyan insure-tech company has unveiled an online e-commerce platform that will enable insurance companies, brokers, agents to connect with their customers end- to- end.

JUMO manufactures and distributes a wide range of measurement, control and automation products. The company is among the world leaders in two areas, namely temperature measurement and control for industries as diverse as food, water treatment, pharmaceuticals, renewable energies, railways, shipbuilding, heating and air conditioning, as well as the plastics and petrochemical industries.

Jumo’s beta site went live yesterday, accompanied by puff pieces in the New York Times, Huffington Post, and Mashable.  Sample line: “If everything goes according to Chris Hughes’ plan, Nov. 30, 2010 will be remembered as a critical and celebrated moment for the multi-billion dollar nonprofit and charitable industry.”  Typical techno-boosterism.

Because robo advisors are meant to be more cost-effective, they work to cover less various target client segment. Even if your investment is under $1,000, the machine analyzes all the opportunities on the market, develops reports and provides the most efficient and profitable way to grow your ROI.

The company says they reached this milestone in just over 18 months after crossing the US$1billion mark in 2019. This indicates exponential growth in the access to and availability of working capital for customers. Jumo also notes that they only have an average customer default rate of less than 5%.

There is a saying among corporate bankers “You only get credit if you don’t need it”. Translated into business terms: there were underserved customers, ignored by traditional financial industry, who couldn’t apply for a loan or credit. And that helped a lot of fintech startups, the likes of Finiata (Netguru is proud to be a partner here) or Lenddo, to put their foot in the door.

According to MarketsandMarkets, the global big data market is currently valued at almost $140 billion. By 2025, it’s expected to grow to $230 billion at a CAGR of 10.6%. This makes FinTech app development a priority for companies that are transforming financial services with big data analytics.FinTech is one of the industries that uses big data extensively due to its complex services, use of IoT technologies, and need for risk analysis and security, which requires fast operations on large amounts of data.Big data developers help FinTechs gather an overwhelming amount of information and derive insights that really matter in the decision-making process.

We are honoured to have the opportunity to collaborate with some of the leading minds in AI and ML to accelerate the extension of financial services to the billions of un(der)-served people in the world. We’re at a critical point in our business where we are focused on leveraging the latest technology to increase customer eligibility and decrease unequal access to quality financial products in emerging markets.” JUMO founder and CEO Andrew Watkins-Ball 

AI algorithm can play predictive roles to improve asset management among individuals or large corporations. It can keep track of notable and recurring expenditure that are responsible for increasing client’s debt portfolio. Financial data management is crucial to predict the future of the economy. AI algorithm can process these large financial data through smart programming and predict client investment strategies. Also these data can be used to predict fraudulent activities.

This milestone has been reached just over 18 months after crossing the US$1B mark in 2019, and indicates exponential growth in the access to and availability of working capital for customers, with an average customer default rate of less than 5%. Andrew Watkins-Ball, Founder & Group CEO, said this achievement is evidence of the success of JUMO’s unique business model, its ability to reach unbanked populations and to provide market-leading infrastructure for financial services.

Investment in financial technology (“Fintech”) companies is growing dramatically. Global Fintech funding has risen to over $100 billion, fueled by large M&A deals and large rounds of financing. Investment in Fintech companies is expected to continue to grow significantly in the next few years as such companies offer outsized growth opportunities.

A niche market is a segment of a larger market that has its own demands and preferences. Companies focus on niche markets to better cater to a specific consumer than competitors who target a broad audience. Catering to the unique demands that mainstream providers aren't addressing, businesses pursue niche markets to build loyalty and revenue with a largely-overlooked audience. For example, rather than offering a general cleaning service, an entrepreneur might pursue a niche by offering floor polishing services exclusively. Another business in the same city might occupy a separate niche, specializing in solely biodegradable cleaning products. 

Video technology has been gaining steam as a marketing medium for quite some time and the trend is showing no signs of slowing down. Video currently represents close to 70 percent of all internet traffic and will reach 80 percent of traffic by 2019, according to a recent report by Cisco. That’s nearly a million minutes of video being shared every second! We’ve also seen video make its mark on both the social and media landscape as well. Facebook has opened live streaming to all users, and the advent of tools such as Blab, Meerkat and Periscope have changed the way news is being reported as reporters have started using livestreaming tools to give viewers unprecedented access and intimacy to breaking news events.

DabaDoc ….C'est immédiat, simple et gratuit ! DabaDoc est la première plateforme de gestion de rendez-vous médicaux en ligne en Afrique. DabaDoc change le quotidien des médecins et celui de leurs patients !  Il optimise la gestion des cabinets médicaux grâce à ses multiples fonctionnalités intégrées et permet aux patients de prendre rendez-vous en quelques clics 24h/7j gratuitement. Fondé en 2014, DabaDoc a pour mission de simplifier le processus de recherche de médecins, garantir aux patients une meilleure expérience de prise de rendez-vous et permettre aux médecins une meilleure gestion de leurs rendez-vous.

DabaDoc ….C'est immédiat, simple et gratuit ! DabaDoc est la première plateforme de gestion de rendez-vous médicaux en ligne en Afrique. DabaDoc change le quotidien des médecins et celui de leurs patients !  Il optimise la gestion des cabinets médicaux grâce à ses multiples fonctionnalités intégrées et permet aux patients de prendre rendez-vous en quelques clics 24h/7j gratuitement. Fondé en 2014, DabaDoc a pour mission de simplifier le processus de recherche de médecins, garantir aux patients une meilleure expérience de prise de rendez-vous et permettre aux médecins une meilleure gestion de leurs rendez-vous.