Regtech Solutions in the financial world

Regtech Solutions in the financial world

The regulatory technology and the continuous innovation have made the delivery of specific regulatory mandates to be adhering by crypto exchanges and fintech companies. The easy way to integrate, manage and secure a reliable risk solution today with cost-effective strategy is catching up on the financial world.

Importance of Regtech

The emphasis on technology and regulation have become synonymous, as we head into an era of digitization completely, there needs to be a framework of how the regulations in the digital space are useful and not taking away the freedom of trading online and their presence across different parts of the world. In the dynamic world of financial technology, check this out for driving more efficient manner of achieving the goal of functioning in digital space with a lot of security and high regulatory norms automatically followed so that no additional efforts or reports are required to generate, more or less an automated risk tool.

More about Regtech

  • the extension of regulatory practices should be the goal and not the disruptive practice of eroding the traditional system of operating in the financial world
  • regulation of highly acquired data should be used for real-time demonstration, using the intricacies involved in mapping the logic for the global regtech adherence
  • this will streamline the entire process of customer relation, their identity protection and fulfilling the due diligence for banking and other financial sectors
  • using the latest artificial intelligence and machine learning abilities, there seems to be a customized approach for every client in the digital space to fit into the regtech and fintech
  • startup companies are leveraging on the benefits of this disruptive technology to save time and efficiently manage huge data from the cloud platform
  • there is a definite change in the response time and the dramatic improvements in terms of the changes in regulatory form are helping in the cost-effectiveness and the accuracy of data involved, banks and other financial services are hugely benefitting from the crux of the underlying technological innovation

There was a time when following the regulatory requirements was considered to be a time-consuming activity, that was worsened by the financial crisis, hence the relevance of providing more information about the risks and the measures to prevent have been elaborately communicated to the stakeholders and the customers. There is no specific regtech solution; each corporation will have their own risk mitigation tool customized.

 

 

Here is why Forex and allied trading on online media is a hit with the traders today

Here is why Forex and allied trading on online media is a hit with the traders today

It all started in 2008:

The financial meltdown in the global economy was a tough call for many. But like they say there is always a silver lining in every cloud, the 2008 market crash taught people that there are so many other ways to think money. Online trading is one such field that picked up its momentum during the global recession.

The reasons why people preferred to trade online during the toughest time in this century was that the risk was calculated and it also meant that freelancing was possible. The rise in the percentage of traders during the terrible years was in my estimate because people were actually losing their jobs.

As more and more people dropped out of the active workforce, they were looking out for another medium of employment and online trading fit the bill exactly.

Online trading has been helping people gain back their self-esteem:

It is not easy to lose a job; a means of livelihood and in a climate when it becomes hopeless, it can lead to suicidal tendencies for someone who has a family to support. I can very proudly affirm this and based on my detailed research that online trading has given hope to millions of workers in those tough days when they lost their jobs to attrition.

If it was not for trading, they would have committed mass suicide or worse, the crime rate in the world would have reached a new high because you know “survival”!

Trading has been popular since:

Today, if you will see the ratio of people who prefer to trade online in derivatives such as commodities, foreign exchange, stocks, and shares, you will realize that they are very happy with whatever extra income they manage to make along with the salary that they receive at their day jobs.

Pairing trading is easy with your existing jobs:

Online markets never shut down. This is the reason that there is a great scope for people who want to earn supplementary income to jump in on to the bandwagon. The trader can trade at his own will and convenience. If he thinks that he may not be able to be up, he can even switch on the autopilot mode where the robot will do the trading on his behalf. Of course, the risk level can be set by him!

Trading has been a saving grace for millions of people who have tried and testified that there has nothing ever been so flexible and comfortable as being able to trade online from the comfort of one’ home and still be able to make a bonus income!

Basics Understanding of ‘Security’

A security is an exchangeable, debatable money related instrument that upholds some sort of financial esteem. It speaks to a proprietorship position in a traded on an open market organization (by means of stock), a leaser association with an administrative body or a company (spoke to by owning that substance’s security), or rights to possession as designated by an alternative.

A brief analysis

Securities are extensively grouped into two types:

  • Equities
  • Debts

A value security speaks to proprietorship intrigue held by investors in an element (an organization, association or trust), acknowledged as shares of the capital stock, which incorporates offers of both normal and favored stock. Holders of value securities are commonly not qualified for consistent installments (however value securities frequently do pay out profits), yet they can benefit from capital additions when they offer the securities (expecting they’ve expanded in esteem, normally). Value securities do qualify the holder for some control of the organization on a master rata premise, by means of voting rights. In times of insolvency, they share just in remaining interest after meeting all the commitments that ought to be paid to the creditors.

An obligation security speaks to cash that is obtained and should be reimbursed, with conditions that state the measure of the credit, financing cost and maturity or date of renewal. Obligation securities, which incorporate corporate and government securities, certificates of deposits and collateral security (for example, CMOs and CDOs), by and large, qualifies their holder for the standard installment of interest and reimbursement of principal (paying little mind to the guarantor’s performance), alongside some other stipulated legally binding rights (which excludes voting rights). They are normally issued for a settled term, toward the finish of which they can be recovered by the issuer. Obligation securities can be anchored (supported by guarantee) or not secured, and, if it is not secured, might be authoritatively organized over other a non-secured, a secondary obligation on account of an insolvency.

Composite securities, just as the name recommends, consolidate a portion of the attributes of both debt and value securities. Cases of composite securities incorporate value warrants (choices issued by the organization itself that give investors the privilege to buy stock inside a specific time period and at a particular value), convertible securities (securities that can be changed over into shares of basic stock in the issuing organization) and inclination shares (organization stocks whose installments of premium, profits or different returns of capital can be organized over those of different investors).

The Journey From Obscure to Distinct

Bitcoin has achieved its present popularity from a total obscure stage. Presently bitcoin is at $6000 market cap which was $600 a few months back. Some people have the clear idea on how to harness all the potential aspects of bitcoin after extensively learning the underlying technology. It is one of the valuable cryptocurrency of the world.

These currencies are created and held electronically and some leading banks and companies see immense potential in them to change the financial market. bitcoin is already used as a currency for online trade. It is gaining its popularity as a currency in e-commerce but is still in the stage of infancy when banks acceptance question comes.

The major advantage of bitcoins is in terms of payment as no one can steal the payment as it is a transparent network. The user has one private and one public to lock and unlock the transaction.

During the economic crisis of 2008, some government was forced to print some extra currency notes to meet the national debts. This leads to the decrease in currency value. But in the case of bitcoin, the currency generation is restricted to 21million coins which means coins cannot be generated beyond this so there is no question of inflation for bitcoin. However, this may have a positive and negative effect as well.

Most of the transactions by the banks ask for fees. Especially if you are sending money beyond the borders it has to go through a number of formalities this in turn results in transaction fees. The peer to peer technology, on the other hand, makes this elaborate process cheaper and faster. Here the buyer and seller can deal directly with the decentralized technology discards intervention of any intermediates.

A few weeks back 40 of the world’s largest bank conducted a test on cloud-based technology to understand the blockchain technology and how the smart contracts can be used for banks. As bitcoin is decentralized and there are no chances of failure of the central point, that can disturb the trade. The decentralization also means the government cannot take it away which means no central authority has control over it.

Presently bitcoin is facing the problem of block size limitations; however, the scientist from Bitcoin foundation has confirmed that there will be a 40% rise in the size of the blocks in every two years until 2036. Before the organizations back up this technology the problem should get solved.

Marketing And Advertising -Low Cost Ideas

Marketing And Advertising -Low Cost Ideas

 

Everybody would certainly agree that not mere production of quality products would be enough to earn a profit.  To boost up sales one must take the product to the prospective client at the right time using a right advertising medium.

The world of advertising has grown from ‘unsolicited and interrupting pop-up’ to ‘inbound marketing’.  Many of the advertisers involve the viewer’s contribution by seeking product design/improvement ideas, reviews on quality etc. This will certainly convey the ‘you are important to us’ feeling to the customer.

Even now the traditional media of advertising like print media, Television ads, Radio ads are in vogue.  But there are numerous additional ways like internet advertising, blog advertising, telemarketing etc.  Data analytics help a greater extent to identify and group needs of the customer.  The general skills that are required in the marketing industry are good looks, communication skills etc.  But recently data science skills are most required in the industry.  This is because data science helps to easily reach the correct buyer.  Based on recent internet activities the need of the user can be identified and a promotional mailer can be sent.  This helps in reducing wasteful efforts and achieve cost reduction.

The social network can be used to easily attract a group of buyers.  This is based on the logic that members of the same group normally share the same interests and tastes.  Online advertising is relatively cheap and can reach the target audience without a single miss out.

To reduce advertising and marketing costs the following are important:

  1. The advertiser has to choose the nature of prospective buyers like youngsters, women, kids etc.

 

  1. Based on the size of the business they can restrict the geographical areas for marketing activities. For example, air heaters need not be marketed in counties which are not affected by freezing temperatures.  A concept like mobile advertising can be used based on tracking the location of the user.

 

  1. The advertiser has to select the right media based on the target For capturing the attention of investor, a cryptocurrency trading software can advertise in share trading websites.  This is because such websites have a viewership of high net worth investors looking for good investment opportunities.

 

 

When the user finds the suggestions and reviews authentic, the user will refer the product to a friend by easily sharing the online ad link.  This type of advertising will certainly build brand loyalty and strengthen the customer relationship.  This is will automatically help in improving customer base also.

 

 

 

 

Marketing Through Social Media

 

Marketing Through Social Media

Social media is the perfect way to ‘meet your customers face to face’ online and yet many Irish agencies are not worried and are not living up to their clients’ desires.

Customer engagement and constructing relationships are the maximum important element of social media advertising. However, masses of agencies aren’t doing this.

Be social don’t ‘tough promote’

Online networking is ‘social’, it’s not about the hard offer. The key to progress is to develop associations with others so they spread the news about your items and administrations.

 

Is your organization connecting with a group of human beings via net-based networking media? Do you know who your adherents are? Remember, individuals will recollect forget how you affected them via web-based networking media, so be decent, be respectful and be useful.

Initial steps

So, in what capacity would it be advisable for you to begin?  The initial step is to discover where your clients are hanging out. Are they on Facebook, Twitter, Instagram or LinkedIn?

If they are adolescents, for instance, they will be on Instagram and Snapchat. Yearning ladies, keen on beauty products or wedding thoughts, are in all likelihood on Pinterest and Instagram. Moderately aged golfers are well on the way to be on Facebook and Twitter.

Who, what where?

Try to discover – who is your objective client? What are they discussing, who are they affected by, what radio stations do they tune in to?

When you have set up who your clients are, solicit individuals from that age set what social media channels they use.

Ask companions, nieces, nephews, anybody in your prompt circle, or complete a basic overview utilizing your email contacts.

Ask customers while they come into your shop what social media systems they use. Perhaps deliver them an incentive to go into a draw to win taken into consideration one of your merchandise? Urge your staff to get some information about their most loved online networking destinations when they are managing them. Most clients may be happy to chat with you about this topic.

Follow and be observed

So for what reason do we require devotees? Devotees are a potential armed force of promoters for your business. If clients like your product or service, they may thankfully endorse you to others. For instance, in case you positioned up a publish on social media that pastimes them, they will maximum possibly percentage the publish or comment on it. This drives engagement and other followers of their network will see their tweets and spot them attractive with you.

Guide For a Novice To Angel Investing

Guide For a Novice To Angel Investing

For a few more mature investors, the conventional vehicles of stocks, securities, and common assets can be restricted and too notably exposed to market huge fluctuations. A few financial specialists who have considerable money reserve funds, yet don’t wish to begin their own business, frequently pick to end up “angel buyers”, folks that invest without delay in corporations out in their own pocket, looking for better returns and a more comfy diploma of manage and ownership over a business enterprise. They are the inverse of venture capitalist, cash together for comparative, however more organized ventures. The upsides of being an angel investor are clear – your decisions and advantages are yours and yours alone. “angel investors” were given their famous name in the mid-twentieth century by Broadway producers to the well-off businessmen who upheld their manifestations. Today, anybody with enough money and business insight can be an Angel investor.

  • An annual profits of over $90,000.
  • Total assets of over $750,000
  • A comfortable quantity of free income flow
  • A thorough knowledge of nearby groups
  • An enthusiasm for putting resources into small organizations (90% of angel buyers invest in organizations with much less than 20 employees)
  • Previous revel in traditional non-public investing or franchising
  • Arrangement for a 1 out of 3 chance that your venture will fall flat

The Small Business Administration evaluates that there are something like 250,000 dynamic angel buyers within the state putting resources into 30,000 small agencies yearly.  As per net wealth, there are 2 million capacity angel investors in the United States. Their investments range broadly throughout the board et across the country are equivalently higher than formal venture capitalist investments, which average $3-$five billion every year. Angel investors expect a lower rate of benefit for their theories than a venture capitalist, however, the underlying casual nature of the relationship wants a stable platform before it might continue. If you are inquisitive about angel making an investment or searching out an angel investor, right here are some things to recollect earlier than constructing a courting.

  • The target organization ought to have a securities legal professional and an advisory board which maintains direct touch with the control to draft a complete marketing strategy for the angel investor prior to consideration.
  • All things considered, holy messengers select 30% of requested speculations. Basic purposes behind dismissals incorporate absence of development potential, the absence of administration discernment, the absence of key staff in key positions and overrated value.
  • Angels normally look to possess 5-25% of a business. This may be in commonplace or favored stock with liquidation precedence over common inventory. You should set policies with the organization and bar them from proportion-diluting inventory income at lower charges to raise capital, or issuing additional inventory to cutting-edge control.

While this is in no way, shape or form an exhaustive guide, it will ideally give you, as either an angel investor or small commercial enterprise proprietor, a higher expertise of things to take into consideration before diving into this type of investment relationship.

I Could Have Not Asked For Anything Better Than This!

I Could Have Not Asked For Anything Better Than This!

 

It was my New Year resolution to be able to make a little extra:

This was my parent’s golden anniversary and I was so looking forward to it. I have been not very close to them but after having children of my own, I have this strange epiphany that parents deserve so much more than the kind of life and attention that we give them.

This year, I wanted to show them my gratitude and to be able to give them a good time. My plan was to buy something precious for both of them and also to gather a few of their close friends to have an in-house party so that they can unwind and also socialize. With leg injuries, both had been homebound and I could sense that they were so longing for outside company.

I had to begin saving for the gifts!

When I began trading online, I had no idea I was going to embark on such a beautiful journey. I was on a day job but inflation and other correlated events meant that the salary got out of my bank account in the same way that it had come in – steadily!

It was normal to not have anything left on me by the third week itself but I wanted to change it all. I adopted minimalism and picked up the most durable things from second-hand shops to be able to make the ends meet.

Anniversary gift was a burden. I wanted to do it nevertheless.

I started trading online in cryptocurrencies on one of the finest trading software and guess what; I could actually afford everything that I had planned without putting any undue pressure on myself.

The anniversary went well but trading online stayed on:

One year hence, I am so proud of myself. My parents were delighted and I saw their face glow when they saw what I had gifted them. It is one of my most precious memories and it makes me go when I have a particularly hard day.

I still trade and I am so happy that with every few months of trading I am able to plan something for my family and close friends. It is such a rewarding journey to be able to do something for them. I feel extremely satisfied.

You can also afford the fine things in life. There is no big investment or no great commitment whatsoever, log on to the trading website, credit $250 in your trading account and you are good to go!

Trading In Binary Options Is Not Gambling!

Trading In Binary Options Is Not Gambling!

 

Whoever equates trading online with gambling!

There is not even a bit of semblance between trading ion binary options and gambling.  If you are thinking that speculation is the same in both then you have definitely missed out on the finer points.

I had a friend who used to look down upon legitimate trading on websites only because he had this prejudice about it. I have been trading for more than a year now and I can tell you from experience that it is not just a legit way of earning money but also a great way to earn a few extra bucks every day.

Trading is fraught with risks but there is a risk in everything!

The trader who takes the maximum risk is bound to make the most money. That is the principle upon which trading works. However, time and again in all my blogs and even the lectures that I deliver in colleges, I cannot stress more on the fact that you need to determine beforehand the amount of money that you can afford to lose in trading, This will give you an almost perfect yardstick for investing in it optimally.

Why would you not want to trade when it is a legit way of earning?

Over the months, I have been scammed by websites that have touted themselves to be the saviors of humanity. I have been defrauded more than once by software that refused to let me withdraw my profits or have used delaying tactics for me to get frustrated and leave. But I have also made hundreds of dollars as profits on legit software. I have made good all the loss by getting on the right software. It was a matter of getting on to the right place and then the right things started to happen.

The websites boast of sophisticated algorithms:

The trading software is a powerhouse of information. They have in their database the history of trading signals and that is how they can predict the winning trade signals when you switch on the autopilot mode. I have realized that both manual trading and automatic trading have worked for me. I may have made little profit every day but the cumulative effect is overwhelmingly big. I cannot even begin to tell you how much my bank saving account has swelled and how much confidence boosting this trading exercise has turned out to be for me!

Have You Heard How People Are Earning Smartly Over The Internet Yet?

Have You Heard How People Are Earning Smartly Over The Internet Yet?

 

There is nothing quite as intriguing as trying to learn easy ways of making money!

As adults, we are all used to looking out for the easiest way to do things. We want to be able to make big money with the least efforts and that is why we look out for tutorials for hacks to work out things for us without actually working too hard. Isn’t that Oxymoronic?!

Trading online was that for me:

About the time that I learned about this new method of making a little extra, I was also working full time on a project that required that I spend more than eight hours on the field. It was hectic and I knew that with this kind of commitment I would either lose out on my health or all the recreational time that I was used to. I did not want to compromise on either.

Quitting job was out of the question:

The filed was rife with demand for a well-paying job. Quitting this job would mean dropping the axe on my foot. I knew that I had to be able to have a corpus ready to be able to take the risk of quitting. It just does not make any sense to be able to follow your heart when your pockets are empty. It is not practical for any purpose.

But setting up a corpus was the challenge:

I took up online trading only because it did not require any big investment greater than $250. I could afford to lose it even in the worst circumstance. With time, I understood the nitty-gritty of trading online and I was getting better at it. I always preferred manual trading to Autobot trading because it gave me the freedom to choose the trade signals.

But not to say that the autopilot mode is not useful:

The trading robots are fantastic at the job that they do. The trader only has to set the limit on the trade like say for example a trade at $10 or $25, the robot will use the trading history available to decipher the best signal. Nine out of ten times, I have won the auto trading mode and I am so glad that every day I have been able to consistently profit to have been able to create a corpus for myself.

The day I had enough, I decided to quit my job and settled down with full-time trading. I have so much time today to be able to follow my passion for playing squash as well as earn good enough to live decently.