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Cyberfunks Alliance for the Unbanked Uses Play to Promote Bitcoin Adoption

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Some Bitcoin marketers and advocates have conflated mass adoption with mass appeal; the two, however, are not the same. That’s according to...

The post Cyberfunks Alliance for the Unbanked Uses Play to Promote Bitcoin Adoption appeared first on Bitcoin Magazine.

Nearly half of financial services employees fear tech will take their jobs

Business Insider, 1/1/0001 12:00 AM PST

Fintech FearThis story was delivered to BI Intelligence "Fintech Briefing" subscribers. To learn more and subscribe, please click here.

The ongoing proliferation of new technologies in financial services is making employees fearful for their jobs.

In fact, 47% of employees in financial services believe technology is putting their job at risk, according to a global survey by data aggregator Emolument. And of those surveyed, workers in financial services emerged as feeling most threatened by technology. Employees in compliance were the next most-fearful, with 37% saying they were worried, while least worried were human resources workers at 15%, and those in engineering at 14%.

Fear among financial services employees is also likely driven by the growing tendency of legacy banks to cut jobs explicitly in favor of automation as part of efficiency initiatives —ING cut 7,000 jobs earlier this month in accordance with its digital transformation, for example. 

Employees in financial services probably feel particularly threatened because several major areas of the industry are already seeing considerable changes to jobs due to technology: 

  • Interaction with consumers. As consumers increasingly switch to mobile and digital banking, and in turn, visit the bank less often, front-of-house jobs are seeing more cuts and branches are closing. This is a trend seen across the UK and US, in particular. 
  • Compliance. The financial services sector is very heavily regulated, partly as a consequence of the 2008 crisis, making it increasingly challenging for FS firms to ensure compliance. Historically, this was achieved by large compliance teams, but as technologies advance and grow more sophisticated, financial services providers are increasingly adopting regtechs. These firms' solutions have the added advantages of operating 24/7 and reducing the possibility of human error. For now, regtechs are mostly designed to aid existing compliance teams, but we, and employees, think it likely these solutions will lead to significant job losses in the future.  
  • Wealth management. Robo-advisors are becoming more widespread, building and adjusting clients' investment portfolios instead of human managers, or in collaboration with them. This is another area where, for now, fintech is operating alongside human employees. But again, it's probable that eventually robo-advisors will do the majority of the work, and human employees will be needed less. 

However, there are some areas within financial services that are unlikely to be impacted by automation, at least for awhile. One is IT — as automation increases, staff with the ability to address technical issues suffered by software and other new solutions will be increasingly required. Others include any role that requires employees to have strong "soft skills," which machines are not yet sophisticated enough to emulate or replace — like management and empathy, for example. 

Despite the hesistance of these financial services employees, there's no denying that we’ve entered the most profound era of change for financial services companies since the 1970s brought us index mutual funds, discount brokers and ATMs. No firm is immune from the coming disruption and every company must have a strategy to harness the powerful advantages of the new fintech revolution.

The battle already underway will create surprising winners and stunned losers among some of the most powerful names in the financial world: The most contentious conflicts (and partnerships) will be between startups that are completely reengineering decades-old practices, traditional power players who are furiously trying to adapt with their own innovations, and total disruption of established technology & processes:

  • Traditional Retail Banks vs. Online-Only Banks: Traditional retail banks provide a valuable service, but online-only banks can offer many of the same services with higher rates and lower fees

  • Traditional Lenders vs. Peer-to-Peer Marketplaces: P2P lending marketplaces are growing much faster than traditional lenders—only time will tell if the banks strategy of creating their own small loan networks will be successful

  • Traditional Asset Managers vs. Robo-Advisors: Robo-advisors like Betterment offer lower fees, lower minimums and solid returns to investors, but the much larger traditional asset managers are creating their own robo-products while providing the kind of handholding that high net worth clients are willing to pay handsomely for.

As you can see, this very fluid environment is creating winners and losers before your eyes…and it’s also creating the potential for new cost savings or growth opportunities for both you and your company.

After months of researching and reporting this important trend, Evan Bakker, senior research analyst for BI Intelligence, Business Insider's premium research service, has put together an essential report on the fintech ecosystem that explains the new landscape, identifies the ripest areas for disruption, and highlights the some of the most exciting new companies. These new players have the potential to become the next Visa, Paypal or Charles Schwab because they have the potential to transform important areas of the financial services industry like:

  • Retail banking

  • Lending and Financing

  • Payments and Transfers
  • 
Wealth and Asset Management

  • Markets and Exchanges

  • Insurance

  • Blockchain Transactions


If you work in any of these sectors, it’s important for you to understand how the fintech revolution will change your business and possibly even your career. And if you’re employed in any part of the digital economy, you’ll want to know how you can exploit these new technologies to make your employer more efficient, flexible and profitable.

Among the big picture insights you'll get from The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry:

  • Why financial technology is so disruptive to financial services—it will soon change the nature of almost every financial activity, from banking to payments to wealth management.
  • The basic conflict will be between old firms and new—startups are re-imagining financial services processes from top to bottom, while incumbent financial services firms are trying to keep up with new products of their own.
  • Both sides face serious obstacles—traditional banks and financial services firms are investing heavily in innovation, but leveraging their investments is difficult with so much invested in legacy systems and profit centers.
  • Meanwhile, startups are struggling to navigate a rapidly-changing regulatory landscape and must scale up quickly with limited resources.
  • The blockchain is a wild card that could completely overhaul financial services. Both major banks and startups around the world are exploring the technology behind the blockchain, which stores and records Bitcoin transactions. This technology could lower the cost of many financial activities to near-zero and could wipe away many traditional banking activities completely.

This exclusive report also:

  • Explains the main growth drivers of the exploding fintech ecosystem.
  • Frames the challenges and opportunities faced by incumbents and startups.
  • Breaks down global and regional fintech investments, including which regions are the most significant and which are poised for the highest growth.
  • Reveals which two financial services are garnering the most investment, and are therefore likely to be transformed first and fastest by fintech
  • Explains why blockchain technology is critically important to banks and startups, and assesses which players stand to gain the most from it.
  • Explores the financial sectors facing disruption and breaks them down in terms of investments, vulnerabilities and growth opportunities.
  • And much more.

The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry is how you get the full story on the fintech revolution.

To get your copy of this invaluable guide to the fintech revolution, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of financial technology.

Join the conversation about this story »

BTCC Previews New Mobile Bitcoin Wallet 'Mobi'

CoinDesk, 1/1/0001 12:00 AM PST

BTCC has high hopes for Mobi the new mobile app it released today at Money2020 in Las Vegas.

Source

PayPal is homing in on high-growth areas (PYPL)

Business Insider, 1/1/0001 12:00 AM PST

PayPal Bank ChartThis story was delivered to BI Intelligence "Payments Briefing" subscribers. To learn more and subscribe, please click here.

PayPal posted strong results across segments in Q3 2016, allowing the firm to increase its growth targets for the year without changing its margins — a good sign for the rest of the year.

PayPal posted strong growth in two key metrics. The firm’s total payment volume (TPV) rose 28% year-over-year (YoY) to $87 billion in Q3 2016. That was likely driven partly by an increase in customers, which grew by 19 million YoY to 192 million during the quarter.

But even as PayPal adds customers, those clients are getting more engaged — average interactions per customer rose to 30, from 27 in the previous year, during Q3. Increased engagement likely means that PayPal’s focus on high-growth areas, like mobile payments and P2P functionality, is helping to drive customers to the service.

Continuing to find ways to grow engagement will likely shape PayPal’s development moving forward. The company is pushing hard into other high-growth areas in order to better become “an everyday essential financial service” for people worldwide. Two such initiatives highlighted in the call stood out:

  • Aggressive pursuit of Chinese and cross-border e-commerce: PayPal is expanding its partnership with Chinese e-commerce giant Alibaba so that Paypal will become a single-click buy button option on AliExpress, one of Alibaba’s largest marketplaces. PayPal customers are already interested in Chinese e-commerce — 40 million of the firm’s customers have made a purchase to China — so this could help them better channel that interest into purchasing. But it also could allow the firm to get a share of China’s fast-growing e-commerce market, and, if successful, could pave the way for more cross-border partnerships in the future.
  • Mobile in-store payments: The firm’s recent partnerships with Visa and Mastercard will allow PayPal’s wallet to be accepted in-store anywhere that accepts contactless payments from those cards. And in Europe, PayPal is partnered with Vodafone in markets like the UK, Italy, and Spain, to begin allowing users to pay via NFC. Physical stores present PayPal with a massive volume opportunity, and could help it better monetize some of its mobile and digital platforms through merchant processing fees, for example. These partnerships could also help keep customers loyal to PayPal for a wider variety of financial interactions rather than pushing them to a third-party, which could increase engagement. 

PayPal is an important piece of the larger payments ecosystem, but it's still just one piece. The rest of it included merchants, processors, acquirers, gateways, and more.

Evan Bakker and John Heggestuen, analysts at BI Intelligence, Business Insider's premium research service, have compiled a detailed report on the payments ecosystem that drills into the industry to explain how a broad range of transactions are processed, including prepaid and store cards, as well as revealing which types of companies are in the best and worst position to capitalize on the latest industry trends.

Here are some key takeaways from the report:

  • 2016 will be a watershed year for the payments industry. Payments companies are improving security, expanding their mobile offerings, and building commerce capabilities that will give consumers a more compelling reason to make purchases using digital devices.
  • Payments is an extremely complex industry. To understand the next big digital opportunity lies, it's critical to understand how the traditional credit- and debit-processing chain works and what roles acquirers, processors, issuing banks, card networks, independent sales organizations, gateways, and software and hardware providers play.
  • Alternative technologies could disrupt the processing ecosystem. Devices ranging from refrigerators to smartwatches now feature payment capabilities, which will spur changes in consumer payment behaviors. Likewise, blockchain technology, the protocol that underlies Bitcoin, could one day change how consumer card payments are verified.

In full, the report:

  • Uncovers the key themes and trends affecting the payments industry in 2016 and beyond.
  • Gives a detailed description of the stakeholders involved in a payment transaction, along with hardware and software providers.
  • Offers diagrams and infographics explaining how card transactions are processed and which players are involved in each step.
  • Provides charts on our latest forecasts, key company growth, survey results, and more.
  • Analyzes the alternative technologies, including blockchain, which could further disrupt the ecosystem.

To get your copy of this invaluable guide, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the payments ecosystem.

Join the conversation about this story »

PayPal is homing in on high-growth areas (PYPL)

Business Insider, 1/1/0001 12:00 AM PST

PayPal Bank ChartThis story was delivered to BI Intelligence "Payments Briefing" subscribers. To learn more and subscribe, please click here.

PayPal posted strong results across segments in Q3 2016, allowing the firm to increase its growth targets for the year without changing its margins — a good sign for the rest of the year.

PayPal posted strong growth in two key metrics. The firm’s total payment volume (TPV) rose 28% year-over-year (YoY) to $87 billion in Q3 2016. That was likely driven partly by an increase in customers, which grew by 19 million YoY to 192 million during the quarter.

But even as PayPal adds customers, those clients are getting more engaged — average interactions per customer rose to 30, from 27 in the previous year, during Q3. Increased engagement likely means that PayPal’s focus on high-growth areas, like mobile payments and P2P functionality, is helping to drive customers to the service.

Continuing to find ways to grow engagement will likely shape PayPal’s development moving forward. The company is pushing hard into other high-growth areas in order to better become “an everyday essential financial service” for people worldwide. Two such initiatives highlighted in the call stood out:

  • Aggressive pursuit of Chinese and cross-border e-commerce: PayPal is expanding its partnership with Chinese e-commerce giant Alibaba so that Paypal will become a single-click buy button option on AliExpress, one of Alibaba’s largest marketplaces. PayPal customers are already interested in Chinese e-commerce — 40 million of the firm’s customers have made a purchase to China — so this could help them better channel that interest into purchasing. But it also could allow the firm to get a share of China’s fast-growing e-commerce market, and, if successful, could pave the way for more cross-border partnerships in the future.
  • Mobile in-store payments: The firm’s recent partnerships with Visa and Mastercard will allow PayPal’s wallet to be accepted in-store anywhere that accepts contactless payments from those cards. And in Europe, PayPal is partnered with Vodafone in markets like the UK, Italy, and Spain, to begin allowing users to pay via NFC. Physical stores present PayPal with a massive volume opportunity, and could help it better monetize some of its mobile and digital platforms through merchant processing fees, for example. These partnerships could also help keep customers loyal to PayPal for a wider variety of financial interactions rather than pushing them to a third-party, which could increase engagement. 

PayPal is an important piece of the larger payments ecosystem, but it's still just one piece. The rest of it included merchants, processors, acquirers, gateways, and more.

Evan Bakker and John Heggestuen, analysts at BI Intelligence, Business Insider's premium research service, have compiled a detailed report on the payments ecosystem that drills into the industry to explain how a broad range of transactions are processed, including prepaid and store cards, as well as revealing which types of companies are in the best and worst position to capitalize on the latest industry trends.

Here are some key takeaways from the report:

  • 2016 will be a watershed year for the payments industry. Payments companies are improving security, expanding their mobile offerings, and building commerce capabilities that will give consumers a more compelling reason to make purchases using digital devices.
  • Payments is an extremely complex industry. To understand the next big digital opportunity lies, it's critical to understand how the traditional credit- and debit-processing chain works and what roles acquirers, processors, issuing banks, card networks, independent sales organizations, gateways, and software and hardware providers play.
  • Alternative technologies could disrupt the processing ecosystem. Devices ranging from refrigerators to smartwatches now feature payment capabilities, which will spur changes in consumer payment behaviors. Likewise, blockchain technology, the protocol that underlies Bitcoin, could one day change how consumer card payments are verified.

In full, the report:

  • Uncovers the key themes and trends affecting the payments industry in 2016 and beyond.
  • Gives a detailed description of the stakeholders involved in a payment transaction, along with hardware and software providers.
  • Offers diagrams and infographics explaining how card transactions are processed and which players are involved in each step.
  • Provides charts on our latest forecasts, key company growth, survey results, and more.
  • Analyzes the alternative technologies, including blockchain, which could further disrupt the ecosystem.

To get your copy of this invaluable guide, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the payments ecosystem.

Join the conversation about this story »

Everything We Know About the Cyber Attack That Crippled America's Internet

Gizmodo, 1/1/0001 12:00 AM PST

Friday’s DDoS attack on Dyn’s domain name servers was unprecedented. The attack utilized a botnet made up of “internet of things” (IoT) devices (think: smart TV’s, DVRs, and internet-connected cameras) to take down a major piece of internet infrastructure. The result? For most of Friday, people across the United States and some parts of Europe were unable to access sites like Amazon, Twitter, CNN, PayPal, Spotify and more. Here’s what we know so far.

Read more...

Searching for Practical Applications of Bitcoin and Blockchain at Money 20/20

Bitcoin Magazine, 1/1/0001 12:00 AM PST

Money 20/20, which is often touted as the world’s largest fintech conference, is scheduled to start on October 30, and a large variety of...

The post Searching for Practical Applications of Bitcoin and Blockchain at Money 20/20 appeared first on Bitcoin Magazine.

Blockchain gets its first test with international trade

Engadget, 1/1/0001 12:00 AM PST

Some financial gurus are convinced that blockchain (the underlying tech behind bitcoin) is the future of business, and they might already have some proof. The Commonwealth Bank of Australia and Wells Fargo have conducted the first international, int...

Bitcoin Price Requires a Closer Look

CryptoCoins News, 1/1/0001 12:00 AM PST

[…]

The post Bitcoin Price Requires a Closer Look appeared first on CryptoCoinsNews.

Bitcoin Startup Coins Raises $5 Million for Financial Inclusion in Asia

CryptoCoins News, 1/1/0001 12:00 AM PST

[…]

The post Bitcoin Startup Coins Raises $5 Million for Financial Inclusion in Asia appeared first on CryptoCoinsNews.

EasyBit Places Bitcoin ATM in Michigan; Claims 50 ATM Locations in 10 Countries

CryptoCoins News, 1/1/0001 12:00 AM PST

[…]

The post EasyBit Places Bitcoin ATM in Michigan; Claims 50 ATM Locations in 10 Countries appeared first on CryptoCoinsNews.

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