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Wall Street Journal recommends to pay attention.

by Semion Snijecki, from Global Investment Search Program - App Finger, on Jan 3
In the next decade, the banking and investment model will change drastically "I'm for. Derivative journal" - This automation of project development expert http://innmind.com/experts/1650/profile#expert_profile
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Wall Street Journal recommends to pay attention.
In the next decade, the banking and investment model will change drastically
Buying on Investment Market for Freelance Projects - not a whim and not a momentary fad. The democratization of capital, as well as dissemination of knowledge and the development of data analysis - a trend that will not stop.
Modern developments in kraudlending can evolve: smaller lenders can unite online
And in the financial sector between the recipient and the source of the money there is the largest percentage of dealers on the planet. Retail banking - one of the areas of the financial world has undergone over the past decade a revolutionary change. Many people use smart phones for payments and deposits. But in a number of functions such as lending or investment, they still depend on the dealer- bank.

Before , the dealer acted banking system, through which people with surplus money - investors - to lend to those in need of funds, - borrowers. But recent developments on kraudlendingu go much further. Small lenders can unite online to differentiate the portfolio of small loans, minimizing the risks.
This field has a lot of players. For example, Lending Club or Prosper. But in 2014 they were given less than $ 7 billion in loans - this is a drop in the sea of multi-trillion of loans.

The sector showing explosive growth. According to PwC estimates, in 2025 the credit portfolio of such projects will reach $ 150 billion.

Venture capitalists became convinced that non-traditional lending - is a huge market. Especially for the Y-generation, which, judging by the polls, do not really trust the traditional bankers.

For example, the SoFi-start, which attracted more than $ 1 billion, relies on lending to students and actively developing refinancing for mortgage borrowers - a sphere in which conventional banks, and the government show slowness and sluggishness.

As for venture capital funds, they do not skimp on the financing of Internet visionaries, but don't give a cent to other business people, especially if they are engaged in something non-virtual that can be touched.

That is why it's so actively developing the new credit services.

The most famous - Kickstarter, is breathing down his neck Indiegogo. These kraudfanding platforms can collect money for any projects, as a rule, people are asking for about $ 1,000 or even less.
Hardly anyone from venture capitalists or large banks is interested in such a microcredit.
Just their only credit evaluation costs and so on will be much more than this amount.

But kraudfanding platforms haven't such expences, in addition, controler practically doesn't pay attention to them.
One of the latest stars - a manufacturer of equipment for virtual reality Oculus Rift, which raised $ 2.4 million on Kickstarter, and less than a year was bought by Facebook for $ 2 billion.

The next wave of kraudfanding resources like SeedInvest and Fundable offers to join those who want to become a venture capitalist.
They threaten to turn the model of venture investment and commercial credits, giving a chance for the small investors for playing on this field.
They threaten to turn the model of venture investment and commercial credits, giving a chance to the 
But startups are not only attract millions of dollars, but that for them more important, to choose which shares in the company to share with investors and which assessment.
The legal basis
In late October, the Securities and Exchange Commission approved the rules, which will come into force next year. As a result, any company or person with a good idea can raise up to $ 1 million, without being constrained by the requirements of the regulator and disclosure of information. 
The traditional model of gambling - you can trust this business to someone else.
She is replaced by the model when you can buy or sell on the internet or you work closely with experts in online mode.
One of the most active areas of attracting funding - online company for management of private capital, offering a range of services.
Up to now they have in the management of assets of a cat laugh -. Not more than $ 20 billion, but Betterment, Wealthfront, Personal Capital and the rest online advisers shooked the market.
They offer, especially for small amounts, asset allocation and investment services at ridiculous prices. Traditional giants like Vanguard Group and online brokers such as Schwab rushed to develop online -consulting
There will be changed the way the purchase and sale of stocks and bonds.
The need of action to call or run to the broker's office has given way to online transactions, like ETrade and Schwab.
The new models offer fractional ownership of stocks and bonds
Trading of latter is controlled by very small number of firms requiring large price for their services.
The profitability of traditional investment banking has reduced.
On the services on the Goldman Sachs bond trading last quarter earned less than 33%, competition case don't better
And what, if the next step in shareholding will not purchase them on the stock exchange, conversеly to receive a sign of commitment to the brand?
What's, if Starbucks will not pour the 11th cup of coffee free of charge, and will give one of his action after the 100th cup?
If the manufacturer cool gadget will not rely on investment banks, and he will distribute their shares among the fans?

This approach has already spent several startups. Loyal 3 loyal helps loyal users to buy the IPO shares favorite company.
A Equity Zen allows to become co-own private companies.
The idea to reward of buyers of shares is old, but the method of its implementation has become much easier - in a single click - and cheaper.
Another area that causes a lot of interest, - the provision of financial services to low-income and who do not have access to banking services. 
ZestFinance, founded by former Google senior managers, works also with large data for assess the credit risks.

This is just one of the startups working in this area promises to be involved in the financial world is not only the middle class and elite, but for all those for whom this world was closed before.

Buying on Investment Market for Freelance Projects - not a whim and not a momentary fad. The democratization of capital, as well as dissemination of knowledge and the development of data analysis - a trend that will not stop.

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