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230 European Crowdfunding Platforms

230  European Crowdfunding Platforms | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it

Le Start-up Europe crowdfunding network, programme de la commission européenne, a publié son rapport sur la santé du secteur dans le vieux continent. Il a recensé pas moins de 230 plate-formes de financement participatif en Europe, la France, l'Italie et l'Allemagne étant les pays les plus actifs dans ce domaine. Mais c'est l'Allemagne qui compte le plus de campagnes bouclées, avec un taux de réussite de 27%, contre 17% pour l'Espagne et 16% pour la France.



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Via Nelly Renard, Edouard Estour, Marc Kneepkens
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Marc Kneepkens's curator insight, May 30, 2014 7:49 AM

Interesting numbers from Europe.

Philippe GABORIEAU's curator insight, May 30, 2014 1:05 PM

Le financement des entreprises en crowdfunding se développe dans toute l'Europe

Michel CEZON's curator insight, June 3, 2014 3:30 AM

Le rapport complet à lire sur http://www.crowdfundingnetwork.eu/

La section Crowdfunding 101 du site est très bien faite : à lire !!!

Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street
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Apple Pay Plans to Launch in Canada This Fall

Apple Pay Plans to Launch in Canada This Fall | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Apple Inc. is planning to launch its mobile payments service in Canada this fall, marking the start of its international expansion of Apple Pay, according to people familiar with the matter.
Richard Platt's insight:

The banks are open to an agreement, but they aren’t happy with Apple’s fee proposals and are concerned about security vulnerabilities like the ones that U.S. banks experienced as they rolled out the service, the people said.

Lenders in discussions with Apple include Royal Bank of Canada,Toronto-Dominion Bank,Bank of Nova Scotia,Bank of Montreal,Canadian Imperial Bank of Commerce and National Bank of Canada, the people said. Together, those banks account for more than 90% of retail bank accounts, which could provide Apple with near ubiquity upon launch if final agreements are reached.

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American Express considering facial recognition technology

American Express considering facial recognition technology | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
American Express is testing facial recognition and wearable technology to potentially integrate into its mobile apps in an effort to increase business growth.
Richard Platt's insight:

The credit card giant is looking to deploy certain technologies to appeal to those customers who are typically underserved by financial services companies, including mobile users who are looking to use digital payments, those with little or no credit, and consumers who prefer not to use credit and charge cards at all.
The move to experiment with emerging technologies comes as American Express and other veteran financial firms face have been experiencing significant competition from upstart payment systems.
-  Facial recognition development is showing considerable promise at the lab, as director of technical delivery David Baldie has been experimenting new methods to capture and authenticate face images accurately and rapidly on a mobile device.  Baldie said that customers could potentially use the technology when performing sensitive transactions via mobile device.  -   However, there are challenges regarding the technology. For instance, users require visual cues on screen to ensure they are positing the camera properly, and the authentication process of sending the image to a server to match it against a baseline image must be considerably fast and accurate.  -  Though the technology is not yet at the point of launch, the lab is far enough along to have demonstrated a version to senior managers last month.

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Ingenico Group, Intel Partner to Bring Secure Payments to the IoT

Ingenico Group, Intel Partner to Bring Secure Payments to the IoT | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Ingenico Group and Intel collaborate to provide secure payment acceptance for the Internet-of-Things (IoT). Both companies will jointly develop a mobile tablet that supports EMV1 and NFC payment functionalities,
Richard Platt's insight:

According to Intel, at present, banks are responsible for fraudulent activity on credit cards which has cost them US$14 billion in year 2013 alone. By October 2015, banks are expected to require retail merchants to upgrade their POS equipment to support the EMV chip cards, failing which they will be taking the responsibility for recovering the funds lost to fraud.  "The shift in liability this October will be a major milestone in the United States for banks and credit card companies, but especially for retailers. Intel and Ingenico Group are working to bridge the retail experience and security gap while also making sure devices are easy to deploy and manage so we don't create new burdens for the merchants." - Doug Davis, Intel SVP & GM, IoT Group

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Apple Pay Nearing Triple Digit Milestone

Apple Pay Nearing Triple Digit Milestone | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
For Apple Pay, it's 98 and counting. Apple confirmed on Tuesday (March 3) that 17 more financial institutions have gone live with full Apple Pay support in the

Via Kenneth Carnesi
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To be clear, that’s not the number of banks and credit unions that have signed contracts to support Apple Pay — just the ones that have completed the transition. At least 500 more Visa card issuers — just Visa, not MasterCard — are in the process of setting up the necessary new technology, including tokenization for Apple Pay, Visa CEO Charlie Scharf told analysts

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Google Wallet to Be Preinstalled on Verizon, AT&T, T-Mobile Phones

Google Wallet to Be Preinstalled on Verizon, AT&T, T-Mobile Phones | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Google acquired technology and IP from a mobile-payment venture Softcard. The move places Google in partnership with major backers of the technology.
Richard Platt's insight:

The company on Feb. 23 said it has acquired technology and intellectual property from Softcard, a mobile payments venture established in 2010 by Verizon Wireless, AT&T Mobility and T-Mobile USA. Softcard's near-field communication (NFC) payment technology will power future versions of Google's Wallet app for mobile payments, the two companies said. Under the technology acquisition arrangement, Verizon, AT&T and T-Mobile will preinstall Wallet on smartphones running KitKat or higher versions of Android, starting later this year. 

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Samsung’s Move to Payments Creates Friction With Google

Samsung’s Move to Payments Creates Friction With Google | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Samsung's shift into services such as mobile payments creates tension with Google, creator of the Android mobile-operating system used in Samsung smartphones.

Via Kenneth Carnesi
Richard Platt's insight:

It won’t be the first time Samsung tried to build its own software platform atop Android. For at least two years, Samsung has been investing heavily in an enterprise-security platform called Knox. But the companies increasingly are working together on security and Google last year said it would embed parts of Knox in an upcoming Android update. That effectively left Samsung with less to differentiate its devices from those of other Android-powered smartphones.

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Samsung Ready to Go Head to Head With Apple Pay

Samsung Ready to Go Head to Head With Apple Pay | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Samsung is ready to challenge Apple Pay.
Richard Platt's insight:

"Our goal has always been to build the smartest, most secure, user-friendly mobile wallet experience, and we are delighted to welcome LoopPay to take us closer to this goal," said JK Shin, president of Samsung 

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As the retail landscape changes, payments hardware is scrambling - Gigaom

As the retail landscape changes, payments hardware is scrambling - Gigaom | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Three months ago, Apple Pay kicked off a new flurry of excitement about contactless payments.

Via Kenneth Carnesi
Richard Platt's insight:

By example VeriFone has decided to make a kind universal point of sale system that will work with any kind of mobile device and mobile payments system.  Called the Mobile PAYware e355, the device has a built-in NFC reader and EMV chip reader, meaning it will accept contactless payments such as Apple Pay, Google Wallet or Softcard as well as new EMV smart chip cards, which will start replacing our old magnetic stripe cards this year. For good measure it also has a mag stripe reader so it can handle today’s credit cards as well as an optional barcode scanner that can read QR code-based payment systems like MCX CurrentC, a mobile wallet being promoted by big box retailers like Best Buy and Walmart. 

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Water Hero: protection from major pipe bursts & costly leaks

Water Hero: protection from major pipe bursts & costly leaks | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Plumbing catastrophe avoidance for everyone. Stops pipe bursts & small costly plumbing leaks. SmartPhone controlled & easy install
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Samsung in Talks to Launch Apple Pay Competitor

Samsung in Talks to Launch Apple Pay Competitor | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The potential deal would involve Samsung licensing technology from a payments startup called LoopPay.
Richard Platt's insight:

No deal has yet been cut between Samsung and LoopPay. For LoopPay, a Samsung licensing agreement would go a long way toward giving its technology the mainstream credibility it so far lacks. LoopPay’s technology can wirelessly transmit the same information stored on a debit or credit card’s magnetic stripe to a store’s checkout equipment without swiping a card. The company has embedded the technology, which it calls magnetic secure transmission, into a few hardware products it sells directly to consumers: A fob, as well as a LoopPay digital payment card that can be used on its own or while secured in a special LoopPay smartphone case. To complete a purchase, LoopPay users tap any of these devices near the spot on a store’s credit card terminal where a card is usually swiped. 

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​Crowdfund this: The best wearable kickstarters

​Crowdfund this: The best wearable kickstarters | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Looking for for the best wearable projects seeking funding on Kickstarter, Indiegogo or other crowdfunding platforms? Then you've come to the right place. You can't move for a wearable tech startup at the moment, and the industry is being driven by the great ideas being realised by the internet of things revolution. Each week we…
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How Gamification and Loyalty Can Drive Mobile Payments

At the BRITE '13 conference, Michael Hagan, COO & Chief Rockstar of LevelUp, takes a deep dive into the future of mobile payments, and how game-like elements...

Via Kenneth Carnesi
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Square will soon accept Apple Pay

Square will soon accept Apple Pay | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The mobile payments company Square is planning to accept Apple Pay.

Via Kenneth Carnesi
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Atom Bank looks to wearable technology despite concerns

Atom Bank looks to wearable technology despite concerns | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
wearable technology, even though there are worries with regards to the resistance that consumers might have toward it.Mullen feels that this digital lender
Richard Platt's insight:

CEO Mullen explained that through the app that Atom Bank is developing, customers will be capable of using their bank services no matter what device they prefer, regardless of whether it is a smartwatch, a smartphone, or over the traditional internet. He stated that “I think we will be one of many looking to optimise better services. The customer has to buy this technology and it’s about whether we respond or not,” and that “I think the Apple Watch is one example, but portable technology generally has a long way to go.”

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Intel, Broadcom Look to Secure IoT Payments

Intel, Broadcom Look to Secure IoT Payments | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Intel is partnering with Ingenico to develop devices to secure credit card payments, while Broadcom's new chips offer integrated NFC capabilities.
Richard Platt's insight:

The announcement (of Intel and Ingenico Group to develop a tablet that will support near-field communication (NFC) and Eurocard, MasterCard and Visa (EMV) chip cards—payment methods that banks use to help thwart credit card fraud) comes a day after Broadcom unveiled new microcontrollers (MCUs) with integrated NFC support to enable a range of connected devices—including those that make up the Internet of things (IoT), as well as PCs and point-of-sale (POS) terminals—to securely accept mobile payments. Intel is making moves in this space to outflank many others in the chips offer integrated NFC capabilities, this is actually quite strategic and tactical on their part, well done Intel.

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The Future of Mobile Wallets by Forrester Research, Inc. - Vibes

The Future of Mobile Wallets  by Forrester Research, Inc. - Vibes | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
According to Forrester Research, Inc. the mobile wallet shift is coming. Well over 50% of adult smartphone users want to store their loyalty program points, rewards, coupons, offers and more in their mobile wallets.

Via Kenneth Carnesi
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Downloadable report from Forrester Research

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Chip makers AMS and ST team up for wearable NFC payments

Chip makers AMS and ST team up for wearable NFC payments | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Technology used to boost the NFC signal in Apple's iPhone 6 and 6 Plus is now being made available for wide range of wearable device and mobile phone makers

Via Paulo Gervasio
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Google removes Wallet's biggest roadblock — carrier buy-in

Google removes Wallet's biggest roadblock — carrier buy-in | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
In a strange turn of events Google is striking up a partnership with wireless carriers to make tap-to-pay technology pre-installed on all Android devices. Google Wallet announced a deal today with ...

Via Kenneth Carnesi
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Bad news for Windows Phone–Google set to buy NFC payments provider Softcard

Bad news for Windows Phone–Google set to buy NFC payments provider Softcard | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The Wall Street Journal reports that Google is negotiating for the purchase of US mobile payments provider Softcard by May this year. The effort would be to bolster Google Wallet, which has been lo...

Via Kenneth Carnesi
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Apple Pay to Get Google Rival

Apple Pay to Get Google Rival | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
According to new reports, Google is working on a new service to take on Apple Pay after the iPhone payment system overshadowed Google Wallet.

With the help of Square, Google has been testing a new mobile payment option, reported The Information,...
Richard Platt's insight:

With the help of Square, Google has been testing a new mobile payment option, reported The Information, citing people involved in or briefed about the service. Codenamed Plaso, this service would allow people carrying Android phones to pay at retailers without needing to take your phone out of your purse or pocket.  

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Google may be acquiring its old NFC payment rival

Google may be acquiring its old NFC payment rival | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it

“Remember when the big battle in mobile payments was Google versus the carriers? Or more precisely, Google Wallet versus Isis?”


Via Jesús Hernández
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10 Chinese Internet of things startups to watch in 2015

10 Chinese Internet of things startups to watch in 2015 | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The Internet of Things, or IoT, emerged as the third wave of internet development and is gradually merging the physical and online worlds.

Via Paulo Gervasio
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CrowdedRocket promises to actually deliver your pledges

CrowdedRocket promises to actually deliver your pledges | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
CrowdedRocket, the new crowdfunding platform focusing on consumer tech, launched this week and shortly afterwards its host servers crashed from the huge amount of traffic to the site. It's up and running again now, with a handful of projects carefully selected by its dream team of bloggers, investors and wearable tech experts. Essential reading: Kickstarter…
Richard Platt's insight:

CrowdedRocket is trying to right many of the wrongs associated with late, failed or wildly successful Kickstarter projects. "Existing crowdfunding platforms have created a noisy space with an abundance of products that rarely deliver or deliver late, by providing the critical support that startups need with marketing, messaging, PR, and social media, and by introducing companies to thought leaders and investors."

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Sony looks to crowdfund its new smart lock project

Sony looks to crowdfund its new smart lock project | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
While certainly not the first of its kind, it looks as though Sony might be putting a new smart lock on the market. The massive electronics company will be looking to crowd-fund its new Qrio Smart Lock project on Makuake. 
Richard Platt's insight:

While it may seem odd to some for such a large company to use crowd funding, most believe this is just a way for Sony to get feedback on the new Qrio, not necessarily a way to fund it. You might remember when the company did something similar with its e-paper watch project.

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Democratization of Philanthropy Through Crowdfunding

Democratization of Philanthropy Through Crowdfunding | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Nonprofits that are used to relying on super donors writing hefty checks need to learn to embrace a better way: The idea of crowd-funding, where numerous smaller donations add up, powered by social media marketing....
Richard Platt's insight:

Sure, the traditional techniques above are still used, but the dawn of social fundraising has democratized fundraising so that deep pockets are no longer required. Anyone with five dollars and a smartphone can be a philanthropist. Welcome, to the age of social media -- the great equalizer. - Nonprofits that are used to relying on super donors writing hefty checks need to learn to embrace a better way: The idea of crowd-funding, where numerous smaller donations add up, powered by social media marketing.

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