Financial Services Disruption by Tom Loverro at RRE Ventures

•

18 likes•8,801 views

The financial services industry is influx. Banks are being disrupted in both consumer and business services, while algorithms continue to replace people across the financial services industry creating opportunities for new entrants.

Technology

Thomas
Loverro

@tomloverro

Trends
in
Financial
Services

Note:
Slides
excerpted
from
a
presenta4on
to
the
Life
Insurance
industry.

Examples
are
meant
to
be
illustra4ve
not
comprehensive.

Algorithms
are
Replacing
People

Across
Financial
Services

Financial
Product
1.0
2.0

Banking
Teller
Algorithm

Hedge
Funds
Trader
Algorithm

Insurance
Underwriter
?

Lending
Underwriter
Algorithm

Mutual
Funds
PM
Algorithm

Wealth
Advisor
Algorithm

VC
/
PE
Investor
?

0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
%ofBadsCaptured
Decline Rate (% of Applicants Declined)
OnDeck
score

FICO

Random

1
Algorithms
Win

Viewers also liked

Fintechにおけるオープンイノベーションの最新動向（2015年8月）

Toshio Taki

金融業界におけるAPIエコノミー / Fintech meetup / IBM

Rasmus Ekman

6 things to consider before investing in fintech startup

Crowdinvest

Have a whacky idea crowdfunding can help achieve it.

Crowdinvest

The next 10 years in Fintech

Kantox

Overview of industry trends and insights of Fortune 500 companies and startups' activities in the FinTech space. We cover banking tech (security, crm, analytics), payments (pos, money transfer, commerce), cyber currency (blockchain, bitcoin, wallets, cryptocurrency exchanges), business finance (lending, crowdfunding), personal finance (lending, wealth management, mortgage, credit), and alternative cores (banking, insurance).

FinTech Industry Report 2016

Bernard Moon

Viewers also liked (6)

Fintechにおけるオープンイノベーションの最新動向（2015年8月）

金融業界におけるAPIエコノミー / Fintech meetup / IBM

6 things to consider before investing in fintech startup

Have a whacky idea crowdfunding can help achieve it.

The next 10 years in Fintech

FinTech Industry Report 2016

Similar to Financial Services Disruption by Tom Loverro at RRE Ventures

From 26th to 30th March 2018, the International Banking and Finance Institute (IBFI) – the training center of the Banque de France – invited 25 central banks to a seminar dedicated to Consumer Protection, Financial Education and Inclusion, Alternative dispute resolution. This paper summarizes these central banks’ answers to a questionnaire send by the IBFI that covers the seminar's issues. The participating central banks come from Brazil, Bulgaria, Central Africa States’ Bank, Croatia, Czech Republic, Democratic Republic of Congo, Ethiopia, Georgia, Guinea, Hong-Kong, India, Indonesia, Jordan, Lebanon, Macedonia, Morocco, Mexico, Mongolia, Philippines, Russia, Slovakia, Spain, Turkey, Uganda, Ukraine.

Consumer protection, financial education and inclusion, ombudsman a benchmark...

Hedi Jeddi

Humanity, governments, industries, companies, and individuals have been all equally shocked and devastated by the Coronavirus crisis; and Egypt’s property market was not an exception. This sample report has insights from one of the most comprehensive studies ever conducted on Egypt’s property market. One of the unique factors in this study is its holistic 360 approach; whereby we gathered our insights and findings from all stakeholders: Developers, Brokers, and Consumers.

Aqarmap covid19-study-detailed-summary

Mohamed Ibrahem Elruby

Hedging fx-risk

Jon Mann

Shields- Equity View IRT Balto 10_2012

Don Grauel

Robotics presentation (series_45,_reach_branded)-converted

Ho Khanh Ly

The rise and fall and rise again of robo investing

Enda Mahoney

2012 Connell & Partners Fall Pulse Survey Participant Report

Connell & Partners

15 Years of Web Security: The Rebellious Teenage Years

Jeremiah Grossman

The groundswell that is today impacting massively retail banking is now impacting all banking businesses. Opportunities offered by new digital technology such as Big data & analytics have not been fully explored yet by Asset & Wealth Management actors, and new technologies are mainly confined to improve shared platforms and reporting flexibility. But the turn might come soon now with the aggressive launches of Fintechs investing all parts of the banking business, including its most exclusive territories. Asset and Wealth Management might be the next targets, facing the up-rise of new Robo-Advisors quickly gaining market share on their devoted playground until now. Traditional Asset and Wealth Managers should anticipate and react, building on their knowledge and assets in order to contain this new trend but this will require that they adapt and probably more globally rethink their business model, to avoid the commoditization of their activity. The aim of this document is to present how Asset and Wealth Managers can take advantage of the digital revolution / emergence of Fintechs to become more competitive and attract more clients.

Digital Disruption in Asset and Wealth Management

Capgemini

Digital disruption in Asset and Wealth Management

Rick Bouter

Sebacia Inc.- Startup Company Venture Capital Financing Deal Terms & Valuations

VC Experts, Inc.

The Canadian Mortgage Insurance Market

Scott Wilkinson

The wealth management industry is entering a period of significant disruption, with robo-advice at the heart of this disruption. Digital, automated advice will likely become a standard expectation for the mass-affluent and mass-market segments. But big data and advanced analytics have the potential to dramatically expand the scope of roboadvice, incorporating financial planning into broader retirement, health, and wellbeing, and enabling quasi institutional research, which could then impact all investor segments. All wealth management firms should take notice. Read more: http://www2.deloitte.com/us/en/pages/consulting/articles/robo-advisors-capitalizing-on-growing-opportunity.html

Robo-Advisors: Industry Changers or Also-Rans?

Deloitte United States

Even though many organizations only care about the return on investment (ROI), but they never revisit it. Treasurers rarely toot their own horn about achieving or exceeding promised ROI. During this presentation we will examine vital financial benefits derived from both strategic and operational changes made possible with modern technology. It will cover some leading practices and preventable pitfalls others have made while making the case for treasury technology. This presentation will provide you with tools to improve how you “make the case” for technology.

Securing Treasury Technology: Using ROI to Pave the Way

Strategic Treasurer

The B2B marketing world has changed dramatically. Today's marketer must be technically proficient, possess strong analytical skills and be innovative in their approach to aligning effectively with their sales counterparts. They must determine how they will increase demand creation through effective lead generation, inbound marketing and more impactful sales enablement with the sales organisation. In his keynote, John Neeson will review five best practice strategies that are leveraged by high growth organisations for better alignment and effectiveness. Specifically, he will address the following: •A best practice demand creation framework •Strategies that best practice organisations are using to effectively align marketing and sales •A marketing model for inbound, outbound and sales driven demand creation •Best practice demand creation for the channel •Identification of buying cycle phases and alignment of marketing activities and budget according to sales requirements in each phase.

Best practice in sales and marketing alignment

B2B Marketing

6º Resseguro - Resseguro, Dez Anos de Mercado Local. Próximos Passos - Carlos...

CNseg

AMI Perspective On Current Economic Crisis March 09

jbenedict3

Sirota 2009 Research Hr Reset And Jobless Recovery For Print

douglasaklein

Ecommerce 3.0 : Anywhere Anything Anytime marketplace for localized buying experience. We aim to strengthen communities across the globe using technological advancement and innovation. We are committed to lead by innovation and create one of the most widely used public, scalable, secure, permission-less blockchain marketplace of choice for enterprises, governments, partners and communities. HyperDapp is a patent pending technology. The technology creates a digital location over the globe to connect nodes using a GDHT(geographical distributed hash table) along with a condensed ontology for efficient cataloguing of products across all verticals.

HyperDapp is the new internet protocol for Ecommerce 3.0 marketplace

HyperDapp

How Banks will Generate Revenue on Payments and Checking in the New Era

David Kerstein

Similar to Financial Services Disruption by Tom Loverro at RRE Ventures (20)

Consumer protection, financial education and inclusion, ombudsman a benchmark...

Aqarmap covid19-study-detailed-summary

Hedging fx-risk

Shields- Equity View IRT Balto 10_2012

Robotics presentation (series_45,_reach_branded)-converted

The rise and fall and rise again of robo investing

2012 Connell & Partners Fall Pulse Survey Participant Report

15 Years of Web Security: The Rebellious Teenage Years

Digital Disruption in Asset and Wealth Management

Digital disruption in Asset and Wealth Management

Sebacia Inc.- Startup Company Venture Capital Financing Deal Terms & Valuations

The Canadian Mortgage Insurance Market

Robo-Advisors: Industry Changers or Also-Rans?

Securing Treasury Technology: Using ROI to Pave the Way

Best practice in sales and marketing alignment

6º Resseguro - Resseguro, Dez Anos de Mercado Local. Próximos Passos - Carlos...

AMI Perspective On Current Economic Crisis March 09

Sirota 2009 Research Hr Reset And Jobless Recovery For Print

HyperDapp is the new internet protocol for Ecommerce 3.0 marketplace

How Banks will Generate Revenue on Payments and Checking in the New Era

Recently uploaded

FWD Group - Insurer Innovation Award 2024

The Digital Insurer

Following the popularity of “Cloud Revolution: Exploring the New Wave of Serverless Spatial Data,” we’re thrilled to announce this much-anticipated encore webinar. In this sequel, we’ll dive deeper into the Cloud-Native realm by uncovering practical applications and FME support for these new formats, including COGs, COPC, FlatGeoBuf, GeoParquet, STAC, and ZARR. Building on the foundation laid by industry leaders Michelle Roby of Radiant Earth and Chris Holmes of Planet in the first webinar, this second part offers an in-depth look at the real-world application and behind-the-scenes dynamics of these cutting-edge formats. We will spotlight specific use-cases and workflows, showcasing their efficiency and relevance in practical scenarios. Discover the vast possibilities each format holds, highlighted through detailed discussions and demonstrations. Our expert speakers will dissect the key aspects and provide critical takeaways for effective use, ensuring attendees leave with a thorough understanding of how to apply these formats in their own projects. Elevate your understanding of how FME supports these cutting-edge technologies, enhancing your ability to manage, share, and analyze spatial data. Whether you’re building on knowledge from our initial session or are new to the serverless spatial data landscape, this webinar is your gateway to mastering cloud-native formats in your workflows.

Cloud Frontiers: A Deep Dive into Serverless Spatial Data and FME

Safe Software

Strategies for Landing an Oracle DBA Job as a Fresher

Remote DBA Services

ProductAnonymous-April2024-WinProductDiscovery-MelissaKlemke

Product Anonymous

Angeliki Cooney has spent over twenty years at the forefront of the life sciences industry, working out of Wynantskill, NY. She is highly regarded for her dedication to advancing the development and accessibility of innovative treatments for chronic diseases, rare disorders, and cancer. Her professional journey has centered on strategic consulting for biopharmaceutical companies, facilitating digital transformation, enhancing omnichannel engagement, and refining strategic commercial practices. Angeliki's innovative contributions include pioneering several software-as-a-service (SaaS) products for the life sciences sector, earning her three patents. As the Senior Vice President of Life Sciences at Avenga, Angeliki orchestrated the firm's strategic entry into the U.S. market. Avenga, a renowned digital engineering and consulting firm, partners with significant entities in the pharmaceutical and biotechnology fields. Her leadership was instrumental in expanding Avenga's client base and establishing its presence in the competitive U.S. market.

Biography Of Angeliki Cooney | Senior Vice President Life Sciences | Albany, ...

Angeliki Cooney

Three things you will take away from the session: • How to run an effective tenant-to-tenant migration • Best practices for before, during, and after migration • Tips for using migration as a springboard to prepare for Copilot in Microsoft 365 Main ideas: Migration Overview: The presentation covers the current reality of cross-tenant migrations, the triggers, phases, best practices, and benefits of a successful tenant migration Considerations: When considering a migration, it is important to consider the migration scope, performance, customization, flexibility, user-friendly interface, automation, monitoring, support, training, scalability, data integrity, data security, cost, and licensing structure Next Wave: The next wave of change includes the launch of Copilot, which requires businesses to be prepared for upcoming changes related to Copilot and the cloud, and to consolidate data and tighten governance ShareGate: ShareGate can help with pre-migration analysis, configurable migration tool, and automated, end-user driven collaborative governance

Strategize a Smooth Tenant-to-tenant Migration and Copilot Takeoff

sammart93

AXA XL - Insurer Innovation Award Americas 2024

The Digital Insurer

"I see eyes in my soup": How Delivery Hero implemented the safety system for ...

Zilliz

The microservices honeymoon is over. When starting a new project or revamping a legacy monolith, teams started looking for alternatives to microservices. The Modular Monolith, or 'Modulith', is an architecture that reaps the benefits of (vertical) functional decoupling without the high costs associated with separate deployments. This talk will delve into the advantages and challenges of this progressive architecture, beginning with exploring the concept of a 'module', its internal structure, public API, and inter-module communication patterns. Supported by spring-modulith, the talk provides practical guidance on addressing the main challenges of a Modultith Architecture: finding and guarding module boundaries, data decoupling, and integration module-testing. You should not miss this talk if you are a software architect or tech lead seeking practical, scalable solutions. About the author With two decades of experience, Victor is a Java Champion working as a trainer for top companies in Europe. Five thousands developers in 120 companies attended his workshops, so he gets to debate every week the challenges that various projects struggle with. In return, Victor summarizes key points from these workshops in conference talks and online meetups for the European Software Crafters, the world’s largest developer community around architecture, refactoring, and testing. Discover how Victor can help you on victorrentea.ro : company training catalog, consultancy and YouTube playlists.

Modular Monolith - a Practical Alternative to Microservices @ Devoxx UK 2024

Victor Rentea

EMPOWERMENT TECHNOLOGY GRADE 11 QUARTER 2 REVIEWER

MadyBayot

When you’re building (micro)services, you have lots of framework options. Spring Boot is no doubt a popular choice. But there’s more! Take Quarkus, a framework that’s considered the rising star for Kubernetes-native Java. It always depends on what's best for your situation, but how to choose the best solution if you're comparing 2 frameworks? Both Spring Boot and Quarkus have their positives and negatives. Let us compare the two by live coding a couple of common use cases in Spring Boot and Quarkus. After this talk, you’ll be ready to get started with Quarkus yourself, and know when to select Quarkus or Spring Boot.

Spring Boot vs Quarkus the ultimate battle - DevoxxUK

Jago de Vreede

MS Copilot expands with MS Graph connectors

Nanddeep Nachan

CNIC Information System with Pakdata Cf In Pakistan

danishmna97

Following the popularity of "Cloud Revolution: Exploring the New Wave of Serverless Spatial Data," we're thrilled to announce this much-anticipated encore webinar. In this sequel, we'll dive deeper into the Cloud-Native realm by uncovering practical applications and FME support for these new formats, including COGs, COPC, FlatGeoBuf, GeoParquet, STAC, and ZARR. Building on the foundation laid by industry leaders Michelle Roby of Radiant Earth and Chris Holmes of Planet in the first webinar, this second part offers an in-depth look at the real-world application and behind-the-scenes dynamics of these cutting-edge formats. We will spotlight specific use-cases and workflows, showcasing their efficiency and relevance in practical scenarios. Discover the vast possibilities each format holds, highlighted through detailed discussions and demonstrations. Our expert speakers will dissect the key aspects and provide critical takeaways for effective use, ensuring attendees leave with a thorough understanding of how to apply these formats in their own projects. Elevate your understanding of how FME supports these cutting-edge technologies, enhancing your ability to manage, share, and analyze spatial data. Whether you're building on knowledge from our initial session or are new to the serverless spatial data landscape, this webinar is your gateway to mastering cloud-native formats in your workflows.

Cloud Frontiers: A Deep Dive into Serverless Spatial Data and FME

Safe Software

In the thrilling conclusion to 2023, ransomware groups had a banner year, really outdoing themselves in the "make everyone's life miserable" department. LockBit 3.0 took gold in the hacking olympics, followed by the plucky upstarts Clop and ALPHV/BlackCat. Apparently, 48% of organizations were feeling left out and decided to get in on the cyber attack action. Business services won the "most likely to get digitally mugged" award, with education and retail nipping at their heels. Hackers expanded their repertoire beyond boring old encryption to the much more exciting world of extortion. The US, UK and Canada took top honors in the "countries most likely to pay up" category. Bitcoins were the currency of choice for discerning hackers, because who doesn't love untraceable money?

Ransomware_Q4_2023. The report. [EN].pdf

Overkill Security

The value of a flexible API Management solution for Open Banking Steve Melan, Manager for IT Innovation and Architecture - State's and Saving's Bank of Luxembourg Apidays New York 2024: The API Economy in the AI Era (April 30 & May 1, 2024) ------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/

Apidays New York 2024 - The value of a flexible API Management solution for O...

apidays

Webinar Recording: https://www.panagenda.com/webinars/why-teams-call-analytics-is-critical-to-your-entire-business Nothing is as frustrating and noticeable as being in an important call and being unable to see or hear the other person. Not surprising then, that issues with Teams calls are among the most common problems users call their helpdesk for. Having in depth insight into everything relevant going on at the user’s device, local network, ISP and Microsoft itself during the call is crucial for good Microsoft Teams Call quality support. To ensure a quick and adequate solution and to ensure your users get the most out of their Microsoft 365. But did you know that ‘bad calls’ are also an excellent indicator of other problems arising? Precisely because it is so noticeable!? Like the canary in the mine, bad calls can be early indicators of problems. Problems that might otherwise not have been noticed for a while but can have a big impact on productivity and satisfaction. Join this session by Christoph Adler to learn how true Microsoft Teams call quality analytics helped other organizations troubleshoot bad calls and identify and fix problems that impacted Teams calls or the use of Microsoft365 in general. See what it can do to keep your users happy and productive! In this session we will cover - Why CQD data alone is not enough to troubleshoot call problems - The importance of attributing call problems to the right call participant - What call quality analytics can do to help you quickly find, fix-, and prevent problems - Why having retrospective detailed insights matters - Real life examples of how others have used Microsoft Teams call quality monitoring to problem shoot problems with their ISP, network, device health and more.

Why Teams call analytics are critical to your entire business

panagenda

presentation ICT roal in 21st century education

jfdjdjcjdnsjd

💉💊+971581248768>> SAFE AND ORIGINAL ABORTION PILLS FOR SALE IN DUBAI AND ABUDHABI}}+971581248768 +971581248768 Mtp-Kit (500MG) Prices » Dubai [(+971581248768**)] Abortion Pills For Sale In Dubai, UAE, Mifepristone and Misoprostol Tablets Available In Dubai, UAE CONTACT DR.Maya Whatsapp +971581248768 We Have Abortion Pills / Cytotec Tablets /Mifegest Kit Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujairah, Ras Al Khaimah, Umm Al Quwain, UAE, Buy cytotec in Dubai +971581248768''''Abortion Pills near me DUBAI | ABU DHABI|UAE. Price of Misoprostol, Cytotec” +971581248768' Dr.DEEM ''BUY ABORTION PILLS MIFEGEST KIT, MISOPROTONE, CYTOTEC PILLS IN DUBAI, ABU DHABI,UAE'' Contact me now via What's App…… abortion Pills Cytotec also available Oman Qatar Doha Saudi Arabia Bahrain Above all, Cytotec Abortion Pills are Available In Dubai / UAE, you will be very happy to do abortion in Dubai we are providing cytotec 200mg abortion pill in Dubai, UAE. Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. We only offer abortion pills from 1 week-6 Months. We then advise you to use surgery if its beyond 6 months. Our Abu Dhabi, Ajman, Al Ain, Dubai, Fujairah, Ras Al Khaimah (RAK), Sharjah, Umm Al Quwain (UAQ) United Arab Emirates Abortion Clinic provides the safest and most advanced techniques for providing non-surgical, medical and surgical abortion methods for early through late second trimester, including the Abortion By Pill Procedure (RU 486, Mifeprex, Mifepristone, early options French Abortion Pill), Tamoxifen, Methotrexate and Cytotec (Misoprostol). The Abu Dhabi, United Arab Emirates Abortion Clinic performs Same Day Abortion Procedure using medications that are taken on the first day of the office visit and will cause the abortion to occur generally within 4 to 6 hours (as early as 30 minutes) for patients who are 3 to 12 weeks pregnant. When Mifepristone and Misoprostol are used, 50% of patients complete in 4 to 6 hours; 75% to 80% in 12 hours; and 90% in 24 hours. We use a regimen that allows for completion without the need for surgery 99% of the time. All advanced second trimester and late term pregnancies at our Tampa clinic (17 to 24 weeks or greater) can be completed within 24 hours or less 99% of the time without the need surgery. The procedure is completed with minimal to no complications. Our Women's Health Center located in Abu Dhabi, United Arab Emirates, uses the latest medications for medical abortions (RU-486, Mifeprex, Mifegyne, Mifepristone, early options French abortion pill), Methotrexate and Cytotec (Misoprostol). The safety standards of our Abu Dhabi, United Arab Emirates Abortion Doctors remain unparalleled. They consistently maintain the lowest complication rates throughout the nation. Our Physicians and staff are always available to answer questions and care for women in one of the most difficult times in their lives. The decision to have an abortion at the Abortion Cl

+971581248768>> SAFE AND ORIGINAL ABORTION PILLS FOR SALE IN DUBAI AND ABUDHA...

?#DUbAI#??##{{(☎️+971_581248768%)**%*]'#abortion pills for sale in dubai@

Tracing the root cause of a performance issue requires a lot of patience, experience, and focus. It’s so hard that we sometimes attempt to guess by trying out tentative fixes, but that usually results in frustration, messy code, and a considerable waste of time and money. This talk explains how to correctly zoom in on a performance bottleneck using three levels of profiling: distributed tracing, metrics, and method profiling. After we learn to read the JVM profiler output as a flame graph, we explore a series of bottlenecks typical for backend systems, like connection/thread pool starvation, invisible aspects, blocking code, hot CPU methods, lock contention, and Virtual Thread pinning, and we learn to trace them even if they occur in library code you are not familiar with. Attend this talk and prepare for the performance issues that will eventually hit any successful system. About authorWith two decades of experience, Victor is a Java Champion working as a trainer for top companies in Europe. Five thousands developers in 120 companies attended his workshops, so he gets to debate every week the challenges that various projects struggle with. In return, Victor summarizes key points from these workshops in conference talks and online meetups for the European Software Crafters, the world’s largest developer community around architecture, refactoring, and testing. Discover how Victor can help you on victorrentea.ro : company training catalog, consultancy and YouTube playlists.

Finding Java's Hidden Performance Traps @ DevoxxUK 2024

Victor Rentea

Recently uploaded (20)

FWD Group - Insurer Innovation Award 2024

Cloud Frontiers: A Deep Dive into Serverless Spatial Data and FME

Strategies for Landing an Oracle DBA Job as a Fresher

ProductAnonymous-April2024-WinProductDiscovery-MelissaKlemke

Biography Of Angeliki Cooney | Senior Vice President Life Sciences | Albany, ...

Strategize a Smooth Tenant-to-tenant Migration and Copilot Takeoff

AXA XL - Insurer Innovation Award Americas 2024

"I see eyes in my soup": How Delivery Hero implemented the safety system for ...

Modular Monolith - a Practical Alternative to Microservices @ Devoxx UK 2024

EMPOWERMENT TECHNOLOGY GRADE 11 QUARTER 2 REVIEWER

Spring Boot vs Quarkus the ultimate battle - DevoxxUK

MS Copilot expands with MS Graph connectors

CNIC Information System with Pakdata Cf In Pakistan

Cloud Frontiers: A Deep Dive into Serverless Spatial Data and FME

Ransomware_Q4_2023. The report. [EN].pdf

Apidays New York 2024 - The value of a flexible API Management solution for O...

Why Teams call analytics are critical to your entire business

presentation ICT roal in 21st century education

+971581248768>> SAFE AND ORIGINAL ABORTION PILLS FOR SALE IN DUBAI AND ABUDHA...

Finding Java's Hidden Performance Traps @ DevoxxUK 2024