Personal Finance 2.0, New Finance, FinTech, PFM
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Personal Finance 2.0, New Finance, FinTech, PFM
Financial services for connected & informed consumers: personal finance management, robo advisors and other FinTechs
Curated by Therese Torris
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Curating Personal Finance 2.0

Curating Personal Finance 2.0 | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

The dream: reinventing finance as a customer-oriented service as opposed to today's product-driven offerings. Vast topic. For the time being, this curation stream is a bit of a hodgepodge of mobile finance, Personal Finance Management (PFM), robo advisor, Regtech, neobanks, new credit scoring methods, social media and finance etc.... see also my more specific topics on payments and alternative finance/crowdfunding/marketplace lending/P2P (peer-to-peer)  http://www.scoop.it/t/payments-2-0 and http://www.scoop.it/t/peer-to-peer-lending

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App-only startup bank Tandem cuts some staff in a bid to bring down its burn rate

App-only startup bank Tandem cuts some staff in a bid to bring down its burn rate | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
The startup bank made around 10 people redundant, according to two sources that spoke to Business Insider.
Therese Torris's insight:
Not all rosy in the challenger bank world
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Monzo blows past £2.5 million crowdfunding target

Monzo blows past £2.5 million crowdfunding target | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
UK challenger bank Monzo surpassed its crowdfunding target raise of £2.5 million within four hours of opening for pre-registration.
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Ant Financial to make $200 million investment in South Korea's Kakao Pay

Ant Financial to make $200 million investment in South Korea's Kakao Pay | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Ant Financial's bid to create a globe-straddling payments behemoth continues with a $200 million investment in Kakao Pay, a soon-to-be launched mobil
Therese Torris's insight:
The future Amazon of Finance
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BBVA Compass takes $60m write-down on Simple

BBVA Compass takes $60m write-down on Simple | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
BBVA Compass took at $60 million goodwill impairment charge on its Simple digital banking unit in the fourth quarter.
Therese Torris's insight:
Not easy to be a good bank, neo or not
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Bankin, a PFM looking to be financial coach

Bankin, a PFM looking to be financial coach | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Grâce à la levée de fonds conséquente qu'elle vient de conclure [PDF], Bankin', une des stars européennes du PFM, espère rapidement concrétiser son ambition de transformer sa solution de gestion de budget en un véritable coach financier pour ses utilisateurs, tout en conservant son indépendance vis-à-vis des banques.

Via Philippe Serafin
Therese Torris's insight:
Bankin is one of the top 2 Personal Finance Management and account aggregator in France
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Orange Bank : pourquoi les banques craignent une secousse en 2017

Orange Bank : pourquoi les banques craignent une secousse en 2017 | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Le lancement par un opérateur télécom d'une banque aux objectifs ambitieux est une première.Orange Bank pourrai
Therese Torris's insight:
Could be the tipping point for French retail bank?, but could also be a flop. Therés been many failed banks launched by non-banks
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Guy PEQUIGNOT's curator insight, December 19, 2016 12:34 PM
Après avoir conquis l'Afrique avec ses solutions de paiement,  Orange se lance son offre bancaire en France ....
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N26 opens up to 17 European countries title

N26 opens up to 17 European countries title | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Germany's N26 is expanding its business to 17 European countries, opening new locations in Spain, Italy, Greece, Ireland, and Slovakia.
Therese Torris's insight:
This type of rapid international expansion with multiple foreign offices opened at once rarely ends well...
We'll see...
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Guy PEQUIGNOT's curator insight, December 7, 2016 12:00 PM
N26 la néobanque allemande s'étend sur 17 pays européens. Une croissance trop rapide ?
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APIs and open banking win most airtime at Sibos 2016

APIs and open banking win most airtime at Sibos 2016 | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Blockchain still high on the agenda according to Finextra’s review of discussions in Geneva, while excitement about AI grows
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Financial Technology Startup Landscape Trends and Insights - Q4 2016

Financial Technology Startup Landscape Trends and Insights - Q4 2016 | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

A report providing an overview of the financial technology startup landscape, graphical trends and insights, and recent funding and exit events.


Via Philippe Serafin
Therese Torris's insight:
One of many such infographic. I like this one because it has a bit of overything
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P2P insurance startup Lemonade launches with charity pledge

P2P insurance startup Lemonade launches with charity pledge | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Lemonade, a peer-to-peer insurance company, has launched in New York state, where it hopes to take on traditional players through a mix of cleve
Therese Torris's insight:
This "P2P" insurance sounds like quite a complex scheme to reinvent mutual insurance
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Challenger bank Fidor adopts 'attack formation'

Challenger bank Fidor adopts 'attack formation' | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Computer Weekly talks to the man behind the digital challenger bank recently acquired by French retail banking giant BPCE
Therese Torris's insight:
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Groupe BPCE agrees to buy Fidor

Groupe BPCE agrees to buy Fidor | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
German digital challenger bank Fidor is being bought by France's Groupe BPCE. Fidor will continue to operate as an independent business following th
Therese Torris's insight:
Old, but important news. To this day not a single startup bank has been able to stay independent after a few years. One can only wonder about how the integration of Fidor into the old-style, not much customer-oriented culture of BPCE will happen
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German fintech startup solarisBank raises €26.3 million and lands Deutsche Bank exec as CEO

German fintech startup solarisBank raises €26.3 million and lands Deutsche Bank exec as CEO | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
The two-year-old business provides a platform that lets other companies provide financial services such as gift cards, deposits, and loans.
Therese Torris's insight:
Money is pouring onto challenger banks
btw I'm tired of the creative spelling "solarisBank", small s, big B
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Atom Bank raises £83m, says more to come

Atom Bank raises £83m, says more to come | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
App-based bank Atom is raising another £83 million from existing investors, including Spain's BBVA, as it builds up a war chest to take o
Therese Torris's insight:
BBVA's contribution is £29.4 million, which keeps its stake at 29.5%, the amount acquired for £45 million in late 2015.
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Ogden takes the wraps off ClearBank

Ogden takes the wraps off ClearBank | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Worldpay founder Nick Ogden has taken the wraps off ClearBank, the first new UK agency and clearing bank to be created in over 250 years.
Therese Torris's insight:
The real beginning of unbundling the bank
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Fintech's Latest and Greatest Take to the Stage at FinovateEurope February 7 and 8, 2017

Fintech's Latest and Greatest Take to the Stage at FinovateEurope February 7 and 8, 2017 | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
It’s FinovateEurope time again in England’s capital city. In just a few days, the lights will go up on the Finovate stage and some of the most innovative entrepreneurs, startups, and fintech industry veterans in the world will be on hand to demonstrate their latest technologies live before our audience. We’re looking forward to seeing Rea
Therese Torris's insight:
Wish I was there, but there is only so much one can do in one day, one week, one month...
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Qonto, Neobank for SMEs and startups, raises 1.6ME seed capital from leading French tech angels and VCs

Qonto, Neobank for SMEs and startups, raises 1.6ME seed capital from leading French tech angels and VCs | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

From Qonto: The banking alternative for entrepreneurs and startups ∙ Open a fully featured account and get Mastercard cards in less than 5 minutes to run your  business effectively.

TechCrunch: https://techcrunch.com/2017/01/16/qonto-wants-to-become-n26-for-business-banking/


Therese Torris's insight:
Neobanks are sprouting everywhere like wild mushrooms, these days. This one is tackling SME and startup banking
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Japanese eCommerce Giant Rakuten moves into European banking market

Japanese eCommerce Giant Rakuten moves into European banking market | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

Japanese e-commerce conglomerate and prominent fintech investor Rakuten is to launch a commercial banking operation in Europe from its Luxemburg

Therese Torris's insight:
So many banking wannabes these days, it's scary!
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64 Robo Advisors in Europe

64 Robo Advisors in Europe | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
​Digital wealth management – coined “Robo Advice”  although none of the market participants  seems to like this term – is one of the Fintech sectors that needs patience. Patience fro
Therese Torris's insight:
Pretty exhaustive, there is a second map of the 23 German Robos
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Why mobile banking is the domain of true digital natives

Why mobile banking is the domain of true digital natives | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
The growth of mobile time within the overall media mix has created new touchpoints for all digital businesses. As users grow in comfort with these almost omnipresent devices, the range of tasks performed on smartphones and tablets expands, and for users who can overcome historic concerns around trust and security of transacting on these platforms, the opportunities and convenience lead to comprehensive mobile activity. People who bank on mobile devices once a month or more exhibit extreme digital native qualities:
Therese Torris's insight:
Mobile banking is an indispensable channel to reach the 24-44 y olds
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Société générale and Crédit du Nord launch account aggregation [in French]

Société générale and Crédit du Nord launch account aggregation [in French] | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Plusieurs établissements "traditionnels" s’apprêtent à proposer à leurs clients une application mobile qui agrège leurs comptes de différentes banques, comme le font habituellement les banques en ligne.
Therese Torris's insight:
10 years later...
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25% of global banks would buy a fintech company

25% of global banks would buy a fintech company | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

BI : Banks collaborating with fintechs for mutual benefit has long been the preferred narrative when discussing the future of financial services. But this narrative may soon need to be updated, according to data from a new study by IDC and SAP. While a third of global banks continue to view fintechs as collaborators, nearly a quarter now see them as acquisition targets.

Therese Torris's insight:
Research by IDC and SAP
"One in three banks (34 percent) are open to a collaboration with a fintech company and one in four (25 percent) would consider an acquisition, the survey, conducted by IDC Financial Insights and sponsored by SAP, found. The IDC e-book, “The Future-Proof Digital Bank,” surveyed respondents from 265 retail and corporate banks in 24 countries on how they’re driving digital transformation. "
Full report accessible at http://sapworldbanking.idcinteractive.net/
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Leetchi/MangoPay: What it's like when your fintech startup is acquired by a bank -

Leetchi/MangoPay: What it's like when your fintech startup is acquired by a bank - | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Today the rhetoric between banks and fintechs has mostly shifted away from combat, suspicion and derision towards collaboration, partnership and acquisition. Notable European deals in the space include Munich-based digital challenger Fidor Bank getting snapped up by French banking group BPCE, Finland's Holvi exiting to Spain's BBVA and Credit Mutuel Arkea buying French fintech startups Leetchi and Mango Pay. 
Therese Torris's insight:
In its directness and simplicity this is one of the best interviews of Celine Lazrthes, founder and CEP of Leetchi and Mangopay
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GFT and Fidor forge innovation partnership

GFT and Fidor forge innovation partnership | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it
Effective immediately, Fidor AG and GFT Technologies SE have reinforced their cooperation and signed a strategic partnership agreement to focus o
Therese Torris's insight:
GFT and Fidor have already developed the mobile-only O2 Banking’ solution together
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ThinCats’ CEO : p2p and marketplace lending needs more transparency to go mainstream

ThinCats’ CEO : p2p and marketplace lending needs more transparency to go mainstream | Personal Finance 2.0, New Finance, FinTech, PFM | Scoop.it

AltFi : ThinCats’ CEO John Mould reveals exclusively to AltFi what he believes p2p platforms and funds need to do to be relevant to larger institutional investors as well as the retail mass market in the coming years.

A lack of transparency is one of the key obstacles for p2p and marketplace lending platforms experiencing considerable growt

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Therese Torris's curator insight, September 5, 2016 10:56 AM
platforms doing asset management, credit banking, fund management must be regulated as such to be credible