entreprise wuilia
Invest Smartly!

Invest “Game”! You Win! _ Only if you go through all the steps with success: Rentability, best supports, updated, Environment Impacts, Anticipation of the Risks, Confidence, Diversification: “Put your eggs in different baskets!”
Go out of the Banking Bubble!

Be part of the Community of FinTechs. They are updated on New Technologies. They develop services such as machine learning of blockchain or new money as bitcoin. They will help you to optimize your sales methods thanks to AI or the Cloud and to review your security system. They form a wonderful Talent pool.

True, they run after the New Black Gold, the big data “owned by” the traditional institutions! Choose the ones who think ” Winner-Winner”, the ones who are looking for an exchange of competences with the banks and help them in their digital transformation. The best ones are built on a high value-added services thanks to their APIs with easy & unic acces. FinTechs and Banks will aim at a commun standard APIs.

 

Go out of the Banking Bubble! And, FinTech, be careful to not create your own Bubble too!

Both have to play the game! To contribute to comfort the Customer, some institutions check that the rules are respected. Give reliable APIs to avoid the use of the web scraping! Take the example of the European Union with the revision of the Directive on Payment Services, DSP2. Since January 2018, Banks must allow free data access of the other payment accounts to third parties authorized by one competent authority and mandated by customers. In early sept. 2019, the Platform of Financial Services will be “open”. (Of course, this is linked with the other European rule, the RPGD, based on the “control” by the customers of their data).

Open Banking will finally take its real sens! 

In China, it’s already the case as with Alibaba. In, Europe, the changement of mentality will be slow. People are used to their traditional banks and often they are satisfied. But things change, so be part of this mutation. And, how do you think your bank deposits will benefit from the open banking? Hum, …

Let’s see, in Europe or oversea, which FinTechs attract our interest to invest in. 

For salaries & suppliers payment, Budget Insight or Payfit. For easy entreprise payment, Spendesk with high Fundraising. And The neo bank, Qonto. For transaction payment also, HSH NordBank (de), My Money Bank (fr), Wirecard (de) or Airwallex (hk). With a Quality Experience Client target thanks to the mobile APIs, Apple pay, Lyfpay. Of course, we all know Uber and Amazon _ Easy payment for customer loyalty. Baobab for Africa & China customers – Mobile financial services.

Others FinTechs have our admiration because of their Talents, their innovation, their imagination. They contribute to facilitate our lifestyle. Thank you to Doctrine : legalTech offers a search engine specializing in law. The successful French one ManoMano, Do-It-Yourself Market place, with more than 60 millions fundraising. FinTechs transforming finance in USA, we find for the ECommerce, Stripe. For free access to credit scores, Credit Karma. Foodtech ZenChef to manage restaurant bookings & client relationship.

Sustainable investments spark the interest of the FinTechs as FlixBus with its “Green Bus” available in Germany & in France. In France, the commitment for the energy & ecological transition is so high that, in 2015, France adopted an innovative green finance tool, the Energy and Ecological Transition for the Climate (TEEC). And now, the consideration of Green bonds is growing in the global market.

In Europe, Euronext helps “clean tech – entreprises”. Often, the support to the FinTechs comes, also, from institutions and governments. The stakes are so high that Paris and Frankfort are fighting to be recognized as the new “1 rst Financial Centre” in Europe! (Brexit story or not). Invest Online is more accessible now thanks to the FinTechs. A large panel of Online Investing Sites are growing. Please, take in consideration your own expectations and financial possibilities. Be aware of the risks and follow a strong formation before selecting the one in your country. For beginners, Betterment in USA. For more sophisticated trades with no minimum balance requirement, TD Ameritrade (usa). For direct access to the Swiss Foreign Exchange Marketplace, with Dukascopy Forex/CFD. For an Easy on-line stock exchange, Binck (nl). WeShareBonds (fr) is a digital credit platform for SMEs. The best Online Trading Platform will offers more guarantees as transparency and will be more innovative. In France, the “presence” of financial institutions as AMF or the Bank of France can secured the future investors.

In Europe, Euronext helps “clean tech – entreprises”. Often, the support to the FinTechs comes, also, from institutions and governments. The stakes are so high that Paris and Frankfort are fighting to be recognized as the new “1 rst Financial Centre” in Europe! (Brexit story or not). Invest Online is more accessible now thanks to the FinTechs. A large panel of Online Investing Sites are growing. Please, take in consideration your own expectations and financial possibilities. Be aware of the risks and follow a strong formation before selecting the one in your country. For beginners, Betterment in USA. For more sophisticated trades with no minimum balance requirement, TD Ameritrade (usa). For direct access to the Swiss Foreign Exchange Marketplace, with Dukascopy Forex/CFD. For an Easy on-line stock exchange, Binck (nl). WeShareBonds (fr) is a digital credit platform for SMEs. The best Online Trading Platform will offers more guarantees as transparency and will be more innovative. In France, the “presence” of financial institutions as AMF or the Bank of France can secured the future investors.

New Power?! (I hope so for the startups, but I come from International Trade & Real Estate world and I always believe in the old adage which recommends investing in “Stone”). And why not a “2 for 1”, Investment for a good cause! Sustainable energies, Wellness, Healthcare. Why not to invest in entreprises sharing this spirit, this strategy? Having a participation rate or being a shareholder? Constructor companies and building developers using the Business Information Modeling (BIM) are well indicated. The competition between them is so high that they always need to overpass their competences and so their offers. Great news for investors! They give their best. The investors perspectives opportunities find interest in new technologic construction materials using wall protection, Iot for connected objects, sun controls. So why not to invest in those residential or commercial buildings? But, but, but! Always keeping in mind whatever the Invest option, a perfect investment is related to the attention given to the Final Users Satisfaction, based on TRUST.

Who will benefit more from these new infrastructures? In USA, in Asia or in Europe, perhaps, there is more a need of renewal than in Africa & Middle East – a strong need. Big companies as Bouygues Construction and Vinci Construction Int. or Digital Hubs as Afrobytes are involved. A lot of startups are working on it as Sunna Design, Solar lighting solution or as Solstice Energy Solutions, bringing intelligence to the energy systems. The efforts are concentrated on environment water & energy needs as in Saudi Arabia and on renewable energy as in Jordan with the use of solar panels. This large scale photovoltaic system is designed for the supply of merchant power into the electricity grid. IFC – International Finance Corporation / member of the World Bank Group is often involved in the financing of environmental projects.

In Middle East, the high demand of Healthcare Construction is also due to the population growth. Healthcare insurance sector and wellness industry are also concerned. Dubai Health Authority (DHA) announced that Dubai will have 12 new private hospitals by 2020. The explosion of tourism inclus medical tourism with a need of hotels. In this area these constructions are possible thanks to high disposal incomes and the first reason is the necessity to go through diseases. The need of more clinics is often covered by private finance or public private partnership (ppp). Healthcare spending in Middle East & Africa is expected to grow. Investors should be interested in this investment because it’s a long-term demand. And this allows them to enjoy future cash flows with minimal leasing risk. You can invest in Healthcare using Sale & Lease-back method or by directly financing the construction of a new facility. Just follow the innovative startups. In USA, it’s Oscar Health who disrupted the US insurance market.

Voilà! The most important is that you find the investment(s) who answer to your personal or professional expectations. I’ve just, modestly, tried to share with you some possibilities! I invite you to visit the site of those Talents or their LinkedIn page to discover their offers and to compare.

Published by :  Wuilia_ Vision’s believes in the strong digital link between Real Estate & FinTech. 

Wuilia moves with you! 👠

18 January 2019.

Invest Smartly! _ Go out of the Banking Bubble! 😜 Some examples of startups to support & companies to be considered. Up to you!
#invest #smart #fintech #realestate #openbanking #healthcare #construction

Â