This is something I knew was coming and now that it is there I am happy about it. I like the concept of alternative currencies but never felt quite comfortable with them being entirely outside the regulation – or beyond anyones control rather. This has filled the gap now. And I believe there is much more to come.
Forbes.com reports about Bitstamp to have obtained the license in Luxembourg which allows it to operate in 28 European countries.
Finextra.com has a piece which basically says that while cash-less payments are growing so is the volume of cash in the European markets. That is nothing new but I like the fact that it is spelled out loud, as we otherwise here only the tooting of the near end of cash and that Governments want to ban cash altogether. Apparently (and who would have thought), merchants and of course the consumers have a word to say in this – which leads to another interesting observation Finextra made: Cash costs too much. So why not make handling cash more efficient – and cheaper? Perhaps thats not a necessity as the handling cost for cash are usually hidden in other budgets than the one for payments, which makes the cost of cash with cards for instance somewhat impossible today. But read for yourself.
„European cash processing needs root-and-branch reform“
Just the other day I had a discussion with a friend about the „Uberization“ of the world – there is an Uber-this and Uber-that but this seems to be over-inflated and the industry seems to be hyper-ventilating when someone says we are the new Uber of what the heck.
Now it was super refreshing to read this piece on Pymnts.com – take a look:
Wie finde ich die optimale Zielgruppe für meine Kampagnenziele?
Wie nutze ich Data wirklich effektiv und effizient?
Wie setze ich datengetriebene Kampagnen bestmöglich für das Programmatic Advertising auf?
Wenn Sie sich diese und ähnliche Fragen gelegentlich auch schon am frühen Morgen stellen, sind die Hygge-Morning-Talks die richtige Anlaufstelle.
Semasio-Gründer und CEO Kasper Skou
Hier dreht sich alles um die datengetriebene, programmatische Gegenwart und Zukunft des digitalen Marketings. Semasio hat Dänische Gene und daher ist die Roadshow leicht dänisch angehaucht. Sie setzt dort an, wo Semasios Magazin für Data Driven Advertising aufhört und der brancheninterne Austausch Stärkung benötigt.
Diskutieren Sie mit den Experten im kleinen Kreis die Themen des Data Driven Advertisings, die Sie im Alltag beschäftigen. Wir stellen uns den Fragen und Schwierigkeiten, die Ihnen Kopfzerbrechen bereiten, und liefern Antworten.
Neben guten Gesprächen und einem dänisch inspirierten Lunch erleben Sie in garantiert hyggeliger Atmosphäre die gesammelte Erfahrung der Semasio-Fachleute gepaart mit wertvollen hands-on Tipps.
Viktor Eichmann, Co-Founder und Managing Director von Adlicious
Der offene Austausch wird durch zwei Vorträge angefeuert: Zuerst gewähren Ihnen unsere Profis der Zielgruppenansprache einen Einblick in die verworrene Welt des Targetings, indem sie die Unterschiede zwischen den methodischen Ansätzen erläutern und klare Handlungsempfehlungen für die Wahl des optimalen Targetingsegments aufzeigen. Im Anschluss erklären Ihnen die Spezialisten vom Trading Desk Adlicious step by step worauf es beim Aufsetzen datengetriebener Kampagnen im Programmatic Advertising ankommt.
Der nächste Termin ist am 18. April in Düsseldorf. Die Teilnahme am Event ist kostenlos. Eine verbindliche Anmeldung ist allerdings notwendig. Melden Sie sich per E-Mail unter accmgmt@semasio.com oder telefonisch unter +49 40 350 175 77 für die Hygge-Morning-Talks an. Das Platzangebot ist begrenzt. Der Einlass kann daher nur erfolgen, wenn Sie die Bestätigungsmail vorzeigen können.
FinTech is booming, no doubt – and latest developments like with the UK unicorn Powa cannot change that picture much or at all. But repeatedly the question of quick enough user adoption of fancy new stuff in the world of financial services has been raised – and rightly so. I personally always had the point of view that the good new things will be there for good when a broad cross-section of the society is adopting them. Not only in the big cities, not only the early adopters, hipsters and novelty hunters in urban environments – the young crowd of Metropolis.
A new study by Ernest & Young seems to show that yes, FinTech is booming and yes, the early adopters love it: Today, according to the study (which you can find here), 15.5% of the digital users have adopted FinTech in one way or the other – with a projection for this possibly to double within the next twelve months. When you look closer, they found, its more interesting: When you look at high-income individuals the adoption rate is north of 40% . EQ concludes, that „that some of the most economically valuable customers for banks and insurers are already FinTech customers“. For traditional banks this means that they should open their eyes a bit wider, I believe.
But when we look at this: all the people with less of a mobile or digital affinity are apparently less likely to adopt FinTech offerings – which is not surprising. They are most likely still going to their banks branch to get a loan or call their insurance broker for an updated coverage. For me, it is still a very valid and interesting question how long it will take until we have that broad acceptance of FinTech throughout the society which is necessary to make it a lasting mass phenomenon and to raise from being a (very strong, promising) trend to something to really revolutionize how the people in general do their business in finance matters of any form and shape. Many FinTech businesses, if not most, build on an economy of scale which requires just that: broad adoption of the service across all parts of the society. If this takes long, its actually looking much brighter for the banks as they will have time to pick and select and swallow. Which ultimately, lets be optimistic, would make their very traditional offering better.
It will stay an interesting industry to be in. 🙂