Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
Digital Client Engagement in Asset and Wealth Management Companiesedynamic
The document discusses the challenge of lack of digital innovation in asset and wealth management marketing. It outlines a roadmap for companies to address this challenge, including developing a strategy through customer journey mapping and understanding technology tools. The roadmap also includes UI/UX design with a customer focus, content management across channels, marketing automation through segmentation and engagement, optimizing search engine performance, and embracing growth and change management. The overall message is that a holistic approach across all customer touchpoints is needed for digital innovation in this industry.
Social Media strategy - the rise of social apponomicsTamara Obradov
Booz & Company's social media breakfast meeting presentation from November 3rd 2010. We discuss why social media does matter, what the value is and how to capture the value. It also offers for the first time ever a sizing of the social commerce market (directly selling goods through social media) in this era of social apponomics.
- Banks have become inefficient and unloved by customers, particularly millennials, yet still generate large profits due to the net interest spread between low borrowing costs and high lending rates.
- New financial technology companies are poised to disrupt and replace banks by developing products that are simpler, more transparent, reduce friction, and provide better analytics/customization for customers.
- The author identifies several emerging areas for financial technology innovation that could revolutionize industries like lending, payments, insurance, and investing if concepts like near-zero origination costs, real-time underwriting, distributed ownership models, and eliminating transaction clearinghouses are realized.
Panel Ii Data Driven Performance MarketingDave Liu
The document summarizes key points from a panel discussion on data-driven performance marketing at Jefferies & Company's 3rd Annual Internet Conference in February 2007. The panelists represented advertising networks and web analytics companies. Some of the topics discussed included the problems advertising aims to solve, how advertisers are allocating their spending online, the major players in advertising networks and web analytics, and questions posed to the panelists.
The panel discussion focused on monetizing user-generated versus proprietary online video content. The panelists represented different facets of the online video industry including user/proprietary media, video technology, ad networks and agency services. They discussed topics such as the impact of the weakening economy on online video, newer advertising formats, Google opening up video ad formats, and payment models for online video.
The document is a pitch deck for Sparta, an enterprise software with built-in machine learning capabilities. It summarizes that Sparta combines intelligent process automation with enterprise software. It then provides examples of how Sparta's ML platform and enterprise software could help retailers by optimizing inventory tracking, demand forecasting, and cash flow through invoice processing and supplier payment prioritization. The founding team and pricing model are also outlined, with the platform available on AWS and priced per user or package.
The financial technology boom of the past few years will ultimately lead to opportunities for the banks willing to take advantage of them—either through partnership or acquisition. In November, 145 bank senior executives and board members shared their views on the fintech boom. The poll was conducted at Bank Director’s annual Bank Executive & Board Compensation Conference in Chicago. Additional respondents participated online. We’ve tabulated the results, which we share along with insights from leaders in the fintech space.
GAMIFICATION reaches fast adoption
The RENTING ECONOMY– now an option even for apparel
The SHARING ECONOMY – UBERIFICATION of services
The SUBSCRIPTION ECONOMY – chipping away at brick-and-mortar stores
SOCIAL MEDIA becomes a source of consumer data
SMARTPHONES are becoming the hub for digital beauty
WEARABLE TECH is already here for early adopters
BEACONS and location-based marketing
NANOTECHNOLOGY
3D PRINTING
1. The U.S. e-commerce market is large at over $200 billion annually, growing at 9% each year, and still has room to expand as only 9% of retail is online.
2. New e-commerce business models focusing on areas like group buying and flash sales have emerged and gained traction in recent years.
3. While innovation in e-commerce was lagging for over 10 years, the past 1-2 years have seen more disruption from companies adopting new models and targeting different customer segments with innovations in areas like mobile and social commerce.
Digital banking involves transforming banks internally to focus on data, user experience, and personalization. New technologies and business models are disrupting traditional banking by empowering new market players, changing customer behavior and expectations. Customers now demand ubiquitous, relevant, and contextual interactions on mobile. To succeed, banks must redefine their roles around data management and open APIs, and stop thinking of channels as separate from the core bank. The future of banking lies in analyzing big data to generate personalized offers for each unique customer.
Online Banking 2.0 webinar, October 28, 2010 by Brett KingBackbase
The document discusses 3 phases of customer behavior disruption driven by technology:
1. The internet gives customers control and choice, increasing online retail deposits and social media influencing brand trust.
2. Mobility gives customers access anywhere and anytime, yet most banks have slow mobile app involvement and lack dedicated mobile and social media leadership.
3. Mobile payments will make transactions ubiquitous and cashless, but most banks are still focused on checks and plastic instead of mobile opportunities like applications and customer experience design.
The document discusses the state of the venture capital market and emerging trends. It notes that it has become dramatically cheaper to start a company due to factors like open source software and cloud computing. This has led to more founders being younger and more technical. While the number of venture capital firms has decreased in size, the opportunities for investment have grown larger. New models of venture capital firms have also emerged that focus on specific topics or stages of funding. The document suggests that online video and television content is a major emerging opportunity, as consumers spend more time watching online video than reading online.
In order to develop a fact-based perspective, The Economist Intelligence Unit (EIU), sponsored by Hewlett Packard Enterprise, has conducted parallel surveys of more than 100 senior bankers and 100 Fintech executives. The objective is to determine their respective views on the impact of Fintech, the strengths and weaknesses of the participants and the likely landscape for the retail banking industry over the next five years.
The panel discussion focused on reach versus niche strategies in online advertising networks. Panelists represented major advertising networks and discussed topics like their business models, technologies used, and client objectives served. They highlighted how their networks balance broad reach with performance-based advertising to generate qualified leads and sales for advertisers.
Welcome to The Business Fame’s exclusive issue; "2020’s Leading Fintech Companies to Watch" here we have highlighted some companies whose efforts for innovations in FinTech industry is growing very fast with its simple and convenient solutions.
Car Buying & Retail Innovation Deep Dive ReportGood Rebels
This report is not about merely making the dealership experience more engaging (although that’s an important stepping stone). It is about revolutionising the entire car buying experience.
We’ll explore the findings of our research in the context of the wider market trends and challenge you to innovate as service providers as well as product sellers.
The overwhelming findings from our report show that Millennials WILL buy cars, but just not as we know it.
Why Digital Marketing Is Now Marketing In A Digital Worldfoundationcap
TV as we used to know is on its way out. And consumers are increasing the time they spend with newer forms of media -- time they used to spend watching linear television. By 2020, we believe that 80% of media will be consumed digitally. Learn what this giant shift means for marketers and the future of the TV spot in this new presentation from Foundation Capital General Partner Ashu Garg. And learn more about MarTech and the Decade of the CMO at https://foundationcapital.com/decadeofthecmo.
Mit cc turn into action - digital strategies banking v march2012-Claire Calmejane
Traditional banks face opportunities and threats from digital transformation. They can transform customer experience through analytics, social media, and mobile banking. Technologies also enable more efficient operational processes and workforce enablement. However, non-traditional players threaten banks' business models through new digital products and redistribution of decision-making. Banks must engage in digital transformation to transition to digital and defend against disruption.
Future of Payments for Debit, Mobile Payments, Prepaid & ATM Execspaythink2015
A quick review of the key payments executives covering the developments of prepaid innovation, tokenization, digital payments, critical regulatory developments and ATM performance.
This document provides an overview of key considerations for building and scaling online marketplaces. It discusses the challenges of the early "seeding" stage when attracting both buyers and sellers is difficult. Creating a virtuous cycle of supply and demand is important to reach critical mass. The document also covers business models, metrics, and types of marketplaces like on-demand and community-driven models. Overall it aims to guide readers on the important stages and factors involved in developing a successful marketplace.
This document discusses key metrics and factors for evaluating social media platforms. It identifies high-level metrics like daily/monthly active users and retention rates. It also discusses measuring engagement through user actions and relationships. The document emphasizes the importance of understanding user behavior beyond total users to gauge quality of engagement. Cohort analysis and visualization tools are recommended for analyzing user data trends over time.
What are the main drone startups?
Who are drone startup investors?
How much investments have been done in drone startups?
What are investors looking for in drone startups?
Based on our blog post about drone startups and investors landscape
https://medium.com/point-nine-news/drone-startups-and-investors-landscape-4575365a32f9#.is3aturs2
Introducción a la Financiación de Startups para emprendedores en EspañaPoint Nine Capital
Una introducción a las distintas fuentes de financiación para startups.
Haciendo especial hincapié en consejos para emprendedores en España.
Entre otros aspectos, repasa las características de las distintas fuentes y detalla el proceso en el caso de fondos de capital riesgo.
The (Ultimate) Guide for Marketplace AnalyticsWilly Braun
We divided the guide in 2 parts: (1) marketplace dynamics, where we try to grasp the overall picture, (2) marketplace KPIs, where we make a snapshot of the different parts of the business and look at them overtime.
And as a super bonus, we’ve prepared an open-source dashboard (Google Spreadsheet) to structure your activity.
Business Model 101: The Basics of Marketplaces, SaaS & Ecommerce [reduced]Point Nine Capital
An shorter introduction to some of our favourite investment areas: Marketplaces, Software-as-a-Service and Ecommerce.
Starting with different ways of monetization, we dip into the major characteristics, address critical challenges and single out the KPIs you should keep an eye on.
As presented in Startit Fest in Belgrade, http://startit.rs/
The document discusses achieving sustained growth through establishing a go-to-market fit (GTMF) operating system. It emphasizes building depth in leadership and operational teams and taking a "franchise-model" mindset. The GTMF system should be optimized for speed and deliver a whole product solution. Key components include recruiting top talent, refining marketing, sales, product development and customer success based on metrics as the company doubles in size, and establishing a winning culture.
Making a Marketplace: A Checklist for Online DisruptionNir Eyal
On November 13, 2012, Bill Gurley, a partner at Benchmark Capital, posted a remarkable essay on his blog. In it, he described the, “10 factors to consider when evaluating digital marketplaces.” Given the tremendous value marketplaces are known to create and how hard they are to get right, we found this essay to be a goldmine of insight. We wanted to digest Bill’s post into a more memorable format.
The result is this brief checklist we hope will help take some of the luck out of evaluating marketplace businesses. As Bill wrote, “It is unlikely that you will find a marketplace opportunity that would score ten out of ten with respect to this list.” But according to Bill, the odds of success improve the more of these characteristics the business exhibits.
Read Bill Gurley’s original post here: http://goo.gl/xoAUw
- Nir (nirandfar.com) and Sangeet (platformed.info)
The document provides information about an angel investing conference held by VisionTech Angels. It includes details about the conference sponsors and speakers, including Oscar Moralez, founder of VisionTech Partners, who discusses what angel investors are and VisionTech Angels' investment process and criteria. Kristin Cooper, CEO of The Startup Ladies, discusses her organization's mission to support women entrepreneurs and how they work to increase the number of startups and first-time investors. The document concludes with brief introductions of additional speakers at the conference.
The document discusses issues with the current venture capital model and the need for change. Specifically, it argues that (1) venture capital is broken as most companies don't receive funding and the industry fails to generate adequate returns, (2) true innovation is undercapitalized as investments are concentrated in few sectors and have unrealistic expectations, and (3) the current model is unsustainable as fundraising exceeds exits and the same firms continue to receive funding despite poor performance. It calls for less and better-funded venture capital firms that invest in more companies using standardized processes and terms to better support innovation.
20 most innovative companies in Fintech IndustrySumit Roy
Global fintech financing has more than trebled in the past three years to an estimated US$3 billion annually and the level of innovation in the financial services sector has been unprecedented over the past 12 months. The level of spend and intensity of focus will – and already has – led to the development and release of products and solutions that will change the way customers view and interact with their financial services
Funding A Technology Start Up Insights Into The World Of Venture CapitalThomas Weithman
The document discusses various topics related to venture capital funding for technology startups. It provides an overview of what venture capital is and how it works. It also discusses changes in the venture capital industry, including challenges with exit markets and declining IPO activity. Additionally, it outlines opportunities for regional startups in the DC area from its strong economy, federal funding, and talented workforce. It concludes with advice for entrepreneurs on partnering with VCs and alternative funding options.
Venture Capital 101 presentation on the basics of VC such as what venture capital is, and how it works. I delivered this presentation to a student group called InSITE that I belong to (mix of Columbia and NYU MBA and Law students). Enjoy!
-Brian Rothenberg
www.brianrothenberg.com
These are the slides that accompanied the Q2 2021 Quarterly Investment Briefing for West of England on 24th June. The event included lightning talks from Matt Penneycard, Ada Ventures, Matt Hicks, Williams Advanced Engineering and Sam Olof, Science Creates Ventures.
Slides 56-58 include information about those 13 companies that are actively raising investment in Q2 2021. Check out the disclaimer - these aren't recommendations, just information.
Jan Vorstermans discusses funding and ecosystems for ICT startups. He outlines his background and experience founding startups and investing. The probability of startup success is low, so programs are needed to enhance success rates. However, successful entrepreneurs are often not university dropouts but have work experience. When selecting startups for incubation and acceleration, the right problems and teams must be chosen. External investment is not always needed but provides validation and risk/reward sharing. Crowdfunding is an alternative source of early funding that is growing. iMinds supports tech businesses in Flanders through incubation, research projects, and global expansion support. VentureWise aims to fill financing gaps for startups between incubation and later funding stages through their
Venture capital accounts for a small portion of overall alternative assets but has a disproportionate impact on the economy. While VC funding amounts are small at around $28 billion annually in the US, VC-backed companies represent over half of the current public company market cap and were responsible for over a third of US jobs. Returns in venture capital are also highly variable, with the top quartile funds achieving average annual returns over 20% compared to under 10% for bottom quartile funds. Success in venture capital relies on identifying companies that can achieve "home runs" or outsized exits in the billions, as these will account for the vast majority of fund returns due to the power law distribution of outcomes.
TheFunded.com presentation on the state of venture capital delivered to Harvard Business School faculty in October 2008. See: <a href="http://www.altgate.com/blog/2008/11/venture-capital-is-broken.html">here</a>.
SiG@MaRS hosted a recap of the inaugural Social Capital (SoCap) Markets Conference held in October 2008 in San Francisco. Kerri Golden, Karim Harji, Michael Lewkowitz and Allyson Hewitt discussed the event, recent developments in the Social Finance marketspace, and the relevance of SoCap for Ontario and Canada.
Venture capital equity funding explained - Paula Mariwala, Seed Fundtiemumbai
Know more about fund raising and the key parameters that an investors takes into consideration while investing his money and time into a business or entrepreneur as explained by Paula Mariwala - Partner Seed Fund
Venture capital plays a major role in creating innovations in Silicon Valley. Without venture capital funding, many technological advancements and startups in Silicon Valley would not exist or would have taken much longer to develop. Venture capitalists provide not just financial capital but also strategic guidance and expertise that helps startups succeed. Statistics show that venture capital firms invest heavily in Silicon Valley and tend to reinvest in the region rather than moving funds elsewhere after projects conclude, indicating their strong belief in opportunities there. As a result, Silicon Valley has become a global leader in technology and innovation due in large part to the support of venture capital over many decades.
1. Private equity can play an important role in financing small and medium enterprises in developing economies, which currently face a financing gap.
2. However, private equity has had limited success in some regions like Africa due to challenges such as a lack of local presence, low familiarity with private equity models, short-term business horizons, and difficulties finding well-managed companies.
3. For private equity to be more effective, firms may need to take a more local approach, have longer investment horizons, and find ways to build trust to overcome issues like a lack of transparency.
A massive transformation is underway in the startup-funding ecosystem; the shift towards democratizing fundraising has meant that startups at every stage of the development cycle have greater access to capital than ever before. This new generation of fundraising has seen unprecedented growth of 167% in 2014, with an estimated global funding volume of $16.2billion (USD) rapidly proving to be a force capable of bridging the liquidity gap, and
reducing industry fragmentation for early stage startups.
The economic downturn of 2007 was a defining period in the fundraising ecosystem, and ultimately the marker responsible for changing the course of fundraising. Consequently, we have observed VC’s opting to de-risk their portfolios to later stage revenue generating firms, angels and super-angels are stepping in to fill the gaps where they are participating in much larger early-stage rounds, and finally, crowdfunding has seen explosive growth as an innovative new funding vehicle for very early stage startups and SMEs alike.
This document provides guidance on raising seed capital from venture capital firms and other investors. It discusses the basics of venture capital and seed stage funding. Key points include:
- Seed funding ranges from $50k-$1.5M and is used to build an initial product and validate the business idea. It discusses various sources of seed capital including angels, accelerators, seed funds, and some VCs.
- Preparing for a fundraise involves launching a minimum viable product to prove traction, finding experienced advisors, crafting an investor pitch deck, and networking within the startup community.
- When pitching investors, the goals are to excite them about the opportunity and make them fear missing out. The pitch should
Startup Studios - Innovating Innovation White Paper Select Slides by EnhanceAlper Celen
1. Enhance is a venture builder based in the Middle East that aims to enhance lives by building online marketplaces and solving local problems.
2. It nurtures talent through its "guild" program and shares resources between ventures to be more efficient than standalone startups.
3. The founders have extensive experience as serial entrepreneurs and consultants working in the region for over a decade.
This document discusses the growth potential and business models of robo-advisors. It begins by asking how big and fast the robo-advisor industry can grow in the US, what business models may be successful, and where advice is headed in the future. It then examines the size and growth projections of the robo-advisor market, outlines different business models, and explores how advanced analytics could expand the scope of automated advice over time. The document concludes that while robo-advice has significant growth potential, many questions remain around which firms and models can succeed in this evolving space.
Similar to A Pulse on the Ecosystem: Where & Why I'd Invest (20)
3. What is Venture Capital (VC)?
VC is financial capital provided to early-stage,
high-potential growth start-ups.
A VC fund earns money by owning equity in the
companies it invests in.
Investors in VC funds are called limited partners.
LPs are high net worth individuals, family offices,
pensions, endowments, fund of funds, etc.
VC101
4. Limited Partner
General Partner
EXIT (IPO, Acquisition, etc.)
Portfolio
Company 1 ………. Company n
VCs distribute
cash for equity
Fund
LPs “pay” management
fees to GPs
LPs are “repaid” and
earn 80% profit
GPs earn carry (20%
profit) from liquidation
VC101
5. What does it mean to be “VC fundable”?
Version One I is a
$20M seed fund.
VC101
For this fund size, we’re looking for $100M+ companies.
One unannounced
6. VC101
Fund size $20M
Return target 3-4x
$80M
Avg. stake / company 3-5%
$1.6-2.0B
20# of portfolio companies
Avg. exit value / company ~$100M
7. Larger venture funds look for “unicorns” ($1B+
opportunities) to deliver acceptable returns.
e.g. To return the initial capital of a $400M fund,
that might mean needing to own:
1) 20% of two $1B companies; or
2) 20% of one $2B company
at acquisition or IPO.
VC101
8. It’s ridiculously hard to find unicorns.
They are rare.
Since 2003, there have been 84 unicorns.
This is 0.14% of VC-backed startups.
lose money
break-even
make good money
(5-10x)
Typical portfolio
return assumption
1/3 1/3
1/3
VC101
Source: Welcome to the unicorn club: 2015 by Aileen Lee
9. It’s ridiculously hard to find unicorns.
There is a lot of noise.
500 intro meetings per year
(or 10 per week)
50 follow-up
meetings
10 due
diligence
5-6 funded
per year
0.5-1%
“funding” rate
VC101
10. 800-1000 seen per year
500 intro meetings per year
(or 10 per week)
50 follow-up
meetings
10 due
diligence
5-6 funded
per year
VC101
11. 50,000+ startups
800-1000 seen per year
500 intro meetings per year
(or 10 per week)
50 follow-up
meetings
10 due
diligence
5-6 funded
per year
VC101
13. The Canadian VC ecosystem is healthy…
Canadian VC fundraising
Data source: 2016 Thompson Reuters
$1,433
$1,220 $1,212
$929
2013 2014 2015 Q1 2016
In
Millions
Raised
(CAD)
14. … with more and more startup financings, …
Canadian VC investments
+7%
+12%
Data source: 2015 Canadian Venture Capital Market Review - CVCA Report
$1,897
$2,022
$2,259
2013 2014 2015
In
Millions
Invested
(CAD)
16. 2013 2014 2015
In Millions
(CAD)
Other
IPO
M&A
We’re also seeing more exits.
Canadian VC investments
$1,343 $1,457
$4,263
Data source: 2015 Canadian Venture Capital Market Review - CVCA Report
17. But all this is still only a fraction of that of the US.
US VC investments
+46%
Data source: 2015 US Venture Capital & Startup Traction Report - Mattermark
$39.9
$58.3
2014 2015
In Billions
Invested
(USD)
USD:CAD
invested is 30:1
Population ratio
suggests it
should be 10:1
18. Popular themes
Web & Mobile Apps Leading Technology
Software-as-a-Service
Social Networks
Marketplaces
IoT & The Connected World
Messaging-as-a-Platform
Machine Learning & Artificial
Intelligence
Virtual Reality &
Augmented Reality
Bitcoin & Blockchain
Drones & Robotics
19. What is the future of computing?
In between platforms
Source: What’s next in computing? by Chris Dixon
19941981 2007
2018?
20. “Some of the hottest venture deals these days are being
done in a field that is mostly low-tech or even no-tech…”
In between platforms
Source: Heat Death: Venture Capital in the 1980s by Jerry Neumann
Is history repeating itself?
“VCs were investing in startups […] unlike the ones that
generated the phenomenal 1980 VC returns. The new
wisdom was to lower risk by investing in well-understood,
slower growth markets […and…] by shunning technology.”
- Wall Street Journal, 1989
21. In between platforms
Web & Mobile Apps Leading Technology
Software-as-a-Service
Social Networks
Marketplaces
IoT & The Connected World
Messaging-as-a-Platform
Machine Learning & Artificial
Intelligence
Virtual Reality &
Augmented Reality
Bitcoin & Blockchain
Drones & Robotics
What are the next
big unique ideas?
What are the
killer use cases?
23. Our investment thesis
Strong founders who are
leveraging network effects to
solve an important problem in a unique way for
a market that many people care about
25. Our investment thesis
Strong founders who are
leveraging network effects to
solve an important problem in a unique way for
a market that many people care about
26. What we look for
What are network effects?
When a new user/member increases the value of the
product or service to all other users
High number of
quality suppliers
Attracts more
customers
Brings more
suppliers
They create a high degree of defensibility
Network effects ≠ virality (rate of adoption)
marketplace virtuous cycleHelps to draw even
more customers
27. Our investment thesis
Strong founders who are
leveraging network effects to
solve an important problem in a unique way for
a market that many people care about
28. 0 to 1
What we look for
vertical or
intensive progress
doing new things
horizontal or
extensive progress
copying things that work
1 to n
Source: Zero to One by Peter Thiel
29. Highly-regulated industries can be still disrupted.
Can we take a bottoms-up network-driven approach?
What we look for
Permissionless
innovation
Mostly
permissionless
innovation
People
regulation incumbents
Employees
incumbents legacy
Patients
Doctors
regulation incumbents legacy
Clinics, Carriers & Pharma
Healthcare Fintech Government
Education Insurance Manufacturing
30. Our investment thesis
Strong founders who are
leveraging network effects to
solve an important problem in a unique way for
a market that many people care about
31. MVP
The “What”
Vision
The “Why”
Distribution Strategy & Scale
The “How”
Total Addressable Market TAM Expansion
Initial Target
Market
Market 2
Market 3
Market 4
All addressable markets / distribution
channels / customer segments / verticals
.
.
.
.
.
What we look for
34. Larger funds expect greater returns, so the bar for
“VC fundable” startups is higher than ever.
We’re in between mature and emerging platforms.
There are still many opportunities to become a
category leader by solving a clear pain point and
building a defensible asset with network effects.
Key takeaways