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Oh [#LeanStartup], Where Art Thou?
 
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Poverty amidst prosperity: How can design and tech improve financial inclusion?
 
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November 14, 2016

What Every Startup Should Know about Internet Marketing

When starting a new business endeavor, Internet marketing is going to be your ‘make it or break it’ foundation upon which you build all your marketing strategies. After all, you are an entrepreneur – who knows the importance of capturing a target audience and where better to do that than on the internet? It is the fastest way to reach literally millions of people so with the right strategies for your industry and your brand, you can turn a tidy profit. Here’s what you need to know.

Of Vital Importance – Your Website Can Make You or Break You

The whole focus of Internet marketing is to drive traffic to your business. Whether you sell anything online or not, you need a [...]

 
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November 14, 2016

The Pros and Cons of Outsourcing Your Customer Service Department

As your company grows, so too will your client base. For some, this may mean that your customers are no longer local, but global. With this increase you will find more pressure to make the necessary improvements to customer service.

In order to remain a competitor in the global market your clients need to know that they are able to contact you at any time, regardless of which time-zone they might reside in. As such, you may now be considering outsourcing a customer call centre to provide your clients with the customer service that they require. See below for the key pros and cons of taking this big decision for your company.

PRO: Lowers the Cost

Starting up your own [...]

 
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November 14, 2016

Penetration Testing 101 for fintechs

Penetration testing of Internet-facing fintech applications is an essential necessity in the age of online competitors and cybercrime. Penetration testing gives you the independent assurance that all the hard work you have invested in designing and implementing secure infrastructure or applications has paid off and your product won’t fall apart when subjected to malicious activity – as eventually it will be. Deciding on the specific type and scope of penetration testing however is not straightforward. Here is a basic introduction to assist with informed decision-making. Web application penetration testing Penetration testing of Web applications involves identification of [...]

 
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November 10, 2016

Oh [#LeanStartup], Where Art Thou?

TAKE NOTICE: build-test-learn

So once upon a time a guy named Eric started a movement. Truth be told, like most of us he was probably trying to start something that would decrease his probability of financial hardship in the future, and in the process possibly make a bit of a name for himself. It would appear it worked and his insights have been well received, by BOTH startups starting out AND mega-corporations interested in a given decade’s operational ‘botox’. But whatever the path that leads you to Lean, it can be an incredible learning experience. So yea, build-[test+]measure-learn is EXACTLY it, and the take-home is that [...]

 
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November 9, 2016

The FinTech Investor Forum — 24 November 2016, London

The FinTech Investor Forum brings together over 100 of Europe’s most active FinTech investors and deal-makers along with the leaders of 100 of the most exciting start-ups and scale-ups.

The Forum provides a unique opportunity to connect with people who can make a difference to your business.  If you’re an investor or deal-maker you’ll get valuable insights on which sectors, companies and deals are likely to get funded over the next year.  If you’re a senior executive at a financial institution, you’ll get essential intelligence on what your competitors are doing and on which companies and technologies you should be partnering with or acquiring.  If you’re a new or established [...]

 
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November 7, 2016

The Blurred Lines of Fintech

Today, anything that is related to finance and technology in the slightest way has the FinTech label slapped on to it. With so many ventures striving to achieve different goals, it is sometimes hard to keep a clear head and distinguish one from the other.

To make this process easier, one of the most straightforward distinction to make is the difference in audience focus. Is the venture targeting end users, hence B2C or is the audience another business, hence B2B? Some fintech companies are clearly on one end of the spectrum, while others are a blend of both. What characteristics do the different business models embody and why has the constellation of fintech companies come [...]

 
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November 7, 2016

Yandex.Money Brings Apple Pay to Customers in Russia

Yandex.Money, the largest online payment service in Russia, brings its users Apple Pay, which is transforming mobile payments with an easy, secure and private way to pay in stores, apps and on the web. Yandex.Money users can now pay via Apple Pay by adding their plastic or virtual prepaid Yandex.Money cards to Apple Wallet. When a user pays with Apple Pay using a Yandex.Money Mastercard, the money is deducted from the user’s Yandex.Money account, the same as when he pays with a Yandex.Money e-wallet or bank card. Customers can easily add their Yandex.Money card to Apple Pay from either the Apple Wallet app or Yandex.Money mobile app for iOS. Yandex.Money has issued more than [...]

 
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November 4, 2016

Tech Inclusion: the Diversity of an Open Mind

Palace of Fine Arts

The Palace of Fine Arts was born out of an Exhibition intent on demonstrating that San Francisco had rebuilt itself. So the fact this year’s Tech Inclusion conference was held in the neighboring Innovation Hangar (previously the Exploratorium) is quite appropriate. In a sense, the goal here is to rebuild SF’s crown jewel: Tech. Young and not so young white guys hold a majority stake at present, but in the years to come, it seems to me that the tech sector is going to incur some well-deserved growing pains of a different variety. We’re not talking 4-5x the national GDP growth rate, no, this is something more like [...]

 
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November 4, 2016

Poverty amidst prosperity: How can design and tech improve financial inclusion?

What’s the problem?

Over half of the U.S. population is struggling financially. And in the UK, roughly 20% of the population doesn’t have enough savings to survive one month if their wages were to drop by just 25%. This is the reality in two of the world’s healthiest economies.

The unpredictability of income is increasing. More people are experiencing multiple forms of income; self-employment has been increasing since 2008. People move in and out of financial inclusion at different times, depending on life circumstances.

Conmen, complexity and confusion

Too many people are being slighted by mainstream services that weren’t designed for them.

The [...]

 
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November 3, 2016

Biometrics – the good the bad and the ugly

A biometric is a form of identity based on a physiological (fingerprint, face, eye iris or retina) or behavioural (speech or signature) characteristic. There’s no special training required for a consumer to use them, they can’t be lost unlike conventional access methods and are unique to every individual.

If you’ve ever experienced airport retina scanning or have a fingerprint identity on your smartphone, you’re already part of the world of biometrics. Apple, closely followed by Samsung, brought touch ID to the consumer market place and demonstrated how user friendly biometrics can be. Once, this was all considered the stuff of science fiction films but biometrics is now [...]

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