Resource Sharing: LibCyb automated system will provide facility to connect your library with other libraries within a campus through LAN.
Multi-location Library Network: user can operate system from multi-location within an organization.
Member can access any information about library resources which will be helpful in book selection for library members and readers.
Join the Agentic Group Thursday, June 9th at Reed Smith Law Firm for an enlighting discussion of Fintech, Second Markets and Venture Finance Innovation in the US. This event will unpack some of the winning strategies that are disrupting, enhancing and evolving the finance world and the technology ecosystem surrounding it. How traditional finance companies (banks, funds, hedge funds) can utilize and cooperate with fintech and blockchain.
Kapipal (a Grow VC Group company) loves rock’n’roll, and has the heart for the world of music and the music business. As said, Kapipal supports independent music festivals around the world and rock’n’roll is here again on Thursday, June 2, 2016 in Caserta (Italy), in the bucolic setting of Villa Santa Cristina for a sparkling pool party, outdoor, free barbecue, paced rock! On stage some of the most important bands of the Campania regional scene and beyond! Head liner the Bradipos IV, the surf band par excellence, famous all over the world and pride of Caserta City, ready to leave for another tour on the California coast.
The Madness Circus, angry and powerful metalcore, already winners of the Hard Rock Cafe contest.
The Kollider, making their debut live, they will do headbanger conil their thrash metal with strong Scandinavian and Viking influences. And if that’s not enough, there will be the Garden of Heaven to give us moments of pure spectacle retracing the greatest hits of Guns’ n Roses story! Kapipal provides labels a great way to scout new bands and validate their potential – Contact us! Access to credit has always been crucial to achieve economic growth in the United States, a country where small businesses are responsible for two thirds of the new jobs created over the past twenty years. This white paper identifies several areas of focus to foster sustainable growth and access to credit through the continued development of online marketplace lending. Untested business models and underwriting tools developed in a period of low interest rates and overall strong credit conditions. How can we better understand when a new innovation really changes the business, and represents a revolution and threat to incumbent companies?
For example, in fintech it is just an evolution to get a new technology platform for online banking services, but a revolution changes the role of banks and more generally the value chain within the very roles in it.
Apple didn’t just make a better phone than Nokia, they created the App Store and content business for third parties. When a new innovation emerges, incumbent companies often see it is just a new piece of technology, and they can utilize it with their old business model. Maybe we can say startups want to over-estimate the impact of a new innovation and incumbent players want to under-estimate it. Cognitive psychology teaches us that humans are easily fallible as it comes to assessing the extent to which events are within their control.
Financial services by volume has several interesting occupations, least of which is trading. AI and machine learning are still in early phase, but the practical implications with modern processing power continuously increasing is phenomenal and unprecedented. None of the current market applications in digital finance make use of real AI, despite what hype around robo advisor services may imply. The US Treasury issued an extensive analysis and commentary of the state of affairs in the most established sector within fintech, marketplace lending. The notion of caution was issued around the sustainability and stability of business models in marketplace lending, particularly as it concerns a novel and dynamic market that is still finding its long term footing. In our work with financial institutions and fintech pioneers, we often refer to three tenets of what the concept of digital finance builds on, that is efficiency, access and transparency. By detailing workflows and providing access to detailed reporting for market participants, can digital finance pioneers and leaders alike provide a way to further the conversation and develop toward optimal models that allow for learning in the market, but also keep the market participants abreast of events. There is no action needed for the many of you who have already started to use the new platform – keep up the good work! For those who don’t have active campaign on the old platform can easily start new one on our new site.
The migration guide is provided to all who have questions about the transfer from old platform to new one. When citing the growth of the fintech market, its common to see indicators such as VC investments in the market referenced. This comes at a while of a large technology overhaul within various financial services organizations, where we’ve had the pleasure of various conversations. Another anecdote comes from a technical lead from a large financial services institution, in their lending department.
This paints an interesting picture, one of large scale adoption and validity in the market that is met with the realities of existing infrastructure and its limitations.
The London Stock Exchange (LSE) organized an investment fund conference in late March, with alternative finance playing an important role at the event. A question in the conference was, to discuss best models for investing in lending and other alternative finance platforms.
The markets development is still at a nascent stage, with significant growth to be expected for several years ahead as the market gains validity and volume. While more than a third of all US states have enacted laws allowing digital investing, California is still without an intrastate securities crowdfunding regulation.
The Small Business California’s Crowdfunding bill (AB 2178), proposed by Assembly Member David Chiu and sponsored by Small Business California, would allow SMEs in the state to raise up to $1 million, in securities sold in a 12-month period, within or outside this state. The bill passed the Assembly Banking Committee in April, the next step now is for the Assembly Judiciary Committee to discuss and vote it. Note: Accredited investors would be limited to investing no more than 5% of their net worth. California, home of Silicon Valley, is America’s posterchild as it comes to entrepreneurship, so its only fitting it develops its frameworks for incentivizing innovation and opportunities further. The Securities Commission Malaysia (SC), recently announced the regulatory framework for peer-to-peer (P2P) financing, setting out requirements for the registration of platform operators. Last year Malaysia was the first country in South-East Asia to introduce a framework for Equity Crowdfunding (ECF), in an effort to provide wider access to financing for startups and SMEs and create a strong alternative finance market. For those interested to operate a peer-to-peer platform, there are several criteria that must taken in consideration, including that the businesses be incorporated in Malaysia with a minimum paid-up capital of RM5 million (about US$1.3 million), and a board of directors that must be fit and proper.
Ongoing obligations are imposed on the P2P operator such as ensuring compliance with platform rules, carry out investor education programmes, having in place processes to monitor anti-money laundering as well as an efficient and transparent risk scoring system for issuer, a contingency arrangement to ensure business continuity and ensure that its rules set out a rate of financing that is not more than 18% per annum. If you’re interested to read further about the duty and responsibility of a P2P operator in Malaysia, as well as at the requirements for issuer and investor willing to participate in P2P, you can check this exhaustive document released by the SC.
Crowd Valley (a Grow VC Group company) is fortunate to work with some of the world’s foremost pioneers in new regulatory environments on setting industry best standards in practical terms.
From new approaches to commercialisation, collaboration models and the breaking down of internal silos, fintech is challenging how financial services are prepared, presented and consumed at retail and institutional levels. Delivering tomorrow’s leading financial services will not be dissimilar to serving up a Michelin star gourmet dining experience. In today’s traditional approach, incumbent financial services organisations have built end-to-end capabilities in-house, under one roof.
In stark contrast to the traditional approach, tech startups and others are re-creating core financial services from the ground up.
Commercialised via licensed APIs (automated programing interface), features can be scaled, switched on, switched off – and replaced.
For example, it is possible today to combine several APIs to create an online lending service capable of connecting issuers and borrowers, including the algorithms allowing participants to set their own market rates. We coined the term Cafe Fintech to convey important parallels across two very different industries.
Today as front-of-house, Grow Advisors advise on how to get the best service from Cafe Fintech. Today, we are developing a range of Cafe Fintechs, each comprising an expert team delivering digital services to address opportunities in different verticals. Fintech has become more mainstream, yet still leaves many organisations with unanswered questions on exactly how to incorporate meaningful technological innovation into their businesses. By recognising that the evolving landscape is much more dynamic and accessible, we hope a greater number of organisations will take a seat at the table. As a global pioneer and leader of digital finance, The Grow VC Group is championing an industry-wide awakening and acclimatisation of disruption in financial services. Grow VC Group and Grow Advisors were both recipients of Finance Monthly fintech firm of the year 2015.
You can read the whole article on Grow Advisors Blog and it will appear as a special feature in the May edition of Finance Monthly.
The Asian industry leading conference for the film and content production industry, 7th Creative Content Production Conference (part of BroadcastAsia2016) is showcasing crowdfunding with conference related campaigns as the first big international conference. Showcase 1: Malaysian based Cikeboom’s Pencil Key is a 2D animation TV Series for 3-9 years old kids.
Showcase 3: Italian Mimulus is a story is an international movie production that will be shot in Italy, Greece and Japan. Campaigns will start running on May 4, 2016 and can be followed and supported on Kapipal’s BroadcastAsia2016 website.
Kapipal will also run side event about crowdfunding and it’s opportunities for businesses and project creators during BroadcastAsia2016. Article and analysis by Grow Advisors (a Grow VC Group company), originally published on Grow Advisors Blog. Firstly, the UK regulator, the FCA, has played an important role developing the fintech market.
The impact of these aspects depends on services, company resources and the development of digital finance services. It is clear the debate and months leading to the referendum are already having questionable effects. Fintech requires sound skills in these areas, could stand to lose out if fewer European applicants wish to (or are able to) enter the country. As regulations develop around the world, the UK’s relative strength could diminish unless it stays one step ahead. However, as offshore regimes attract greater scrutiny, and the need for more transparent financial services gathers pace, this becomes a remote possibility. Further, some EU directives such as PSD2 also offer new fintech opportunities, and these would not be possible to non-EU UK. The UK has promising fintech startups, but they have yet to achieve significant success outside the UK. Although the UK and London have a strong position in fintech globally, the market is still in a very early phase and making predictions to which countries will dominate is a risky exercise.
As all successful business leaders will attest, a critical factor underlying success is its ability to attract top level entrepreneurs, team members and employees. While it is hard to evaluate a post brexit landscape as it would be a new paradigm, we can assume it will create uncertainties for fintech companies and especially small and medium sized companies. Business needs certainty with which to plan for the future and unfortunately, a brexit would present particularly high hurdles. The Monetary Authority of Singapore (MAS) announced new initiatives earlier in April to boost the country’s position as a global hub for the burgeoning financial technology sector.
The head of the Monetary Authority of Singapore Ravi Menon and the country’s Deputy Prime Minister Tharman Shanmugaratnam, were recently at the Asia Society in New York where they announced the launch of the first Singapore FinTech Festival, to be held from 14 to 18 November 2016.
As stated on the MAS website, the festival will be supported by the Association of Banks in Singapore (ABS), and will comprehend a ‘fintech hackcelerator’, an awards ceremony for the most creative digital finance applications, as well as conferences and debates on regtech.
Bloomberg reported that Menon declared Singapore will regulate their fintech companies only when they grow to a size that can be a threat to the financial system. Singapore is not alone here, other countries around the world are taking fintech growth seriously, and the UK is one of those. Digital finance is flourishing everywhere from London to Singapore, are you ready to seize the opportunity?
With crowdfunding growing in popularity, it is no surprise that universities and colleges across the globe are turning to crowdfunding in order to raise money for everything from research projects to university sporting teams. Many of you probably know that much of our society’s top discoveries are uncovered through faculty and student research projects. For example, the University of Maryland’s Bee Informed Partnership started a crowdfunding campaign and raised $24,000 to monitor and encourage the health of honeybees that help with much of the produce that our world eats. As budget cuts continue to afflict universities and colleges across the globe, university level sports teams and clubs are finding themselves within little to no financial support.
Outside of research projects and sports teams, universities and colleges are also using crowdfunding instead of – or coinciding with – traditional fundraising efforts. As always, if you are interested in starting a crowdfunding campaign, but are not sure where to start, feel free to contact Kapipal!
Current headlines are dominated by traditional institutions becoming minor or even major players in fintech platforms globally. The aim is simple, institutions with a network of local or “community” banks are providing their customers an alternate avenue to raise capital if they cannot do so within the physical branch. We at Crowd Valley (a Grow VC Group company) have seen both local banks and institutions identify this opportunity and enter new markets in a very meaningful way.
Institutions looking to capitalise on collaboration within the fintech space, get in touch with us at Crowd Valley to leverage our full offering and industry leading Digital Back Office that bridge the gap into fintech. The Country Risk Barometer: Key Challenges for 2016 produced by trade credit insurer Coface, highlights those countries that have persevered through this economic contraction as well as those that have recently underperformed.
Bright spots from the report have been seen in Europe as a whole, with Central Europe being the highlight. That is not to say that risk from a possible Brexit, the ongoing Refugee Crisis and financial instability in countries like Greece, Spain and Portugal should be ignored. Further, the Coface report notes that “in addition to sluggish GDP growth negatively affecting their profitability, businesses in emerging countries are currently facing a second problem: their growing debt. Time To Teach™ is a research and evidence based, highly successful set of classroom management strategies that tens of thousands of teachers are using and have been using for over four decades. Much of this lost time is a direct result of student behavior and being off task that stops instruction, because teachers are not trained to effectively deal with and eliminate these behaviors. To learn more about the five components that are key to the success of good classroom management…Watch this short video! The typical Seminar or Training day ranges from 6-8 hours as determined in discussions with the school or district representative. Time To Teach™ Follow-up and educational consultation are also available and are customized to a school or district needs. Patricia and Terry Crum  are specialists in classroom management, building-wide student behavior and standards-based assessment. Their strong felt belief in the old adage, “in education if you are not moving ahead, you are falling behind, there is no such thing as standing still “, is a driving force in their continuing efforts to help teachers and administrators become more effective. For further information about TIME TO TEACH™ or to receive training options, contact us by completing the information on the Contact Us form and submit it….
Here, my friends, is the bracket you’re up against in your effort to win a free Landmark subscription.
FIRST ROUND WINNERS: Kentucky, Purdue, Buffalo, Valparaiso, Texas, Notre Dame, Wichita State, Kansas, Wisconsin, Oregon, Wofford, North Carolina, Mississippi, Baylor, VCU, Arizona, Villanova, North Carolina State, Northern Iowa, Louisville, Providence, Oklahoma, Michigan State, Virginia, Duke, St. SWEET SIXTEEN: Kentucky, Buffalo, Texas, Wichita State, Wisconsin, North Carolina, Baylor, Arizona, Villanova, Northern Iowa, Providence, Virginia, Duke, Stephen F. ELITE EIGHT: Kentucky, Wichita State, Wisconsin, Baylor, Northern Iowa, Virginia, Duke, Gonzaga.
Grab a snack and your favorite beverage and settle in near a TV during some of the tournament games. If hired, your first assignment is to interpret this email sent out recently by Beverlee Roper, first district county commissioner in Platte County.
Heard an interesting observation recently by someone in regard to the wild and crazy growth projections school districts like Park Hill and Platte County R-3 have been spouting recently.
When even those observers on the left side of the aisle are questioning projections of exploding enrollment, you know the school districts have a bit of a credibility problem on their hands. Guy Speckman, publisher of the Savannah Reporter, has been on a roll with observations about public school spending, hitting home runs on a weekly basis.
The book entitled The Silence, The Series and The Season of Sungwoo by our man Chris Kamler becomes available this week. While many of us see an intersection of two state highways and think that would be a great place for a revenue-generating, respected public-serving entity like a QuikTrip, many folks at Parkville see an intersection of two major highways and think that would be a great place to plant a pawpaw tree or build a tribute to the hummingbird.
Oh, and there’s more than just a scathing state audit facing some folks within the St.
As Guy Speckman, publisher of the Savannah Reporter, wisely says in his column in our Other Voices item on this page, it should be a wake-up call for all local governments and the elected officials who serve on governing bodies. It’s time for those who serve on boards to stop nodding heads in agreement at every proposal placed in front of them and start asking some tough questions of those who serve underneath them. Based on what I’m about to remind you, there would seem to be reason to at least put this topic on your radar. In a story we did last April, The Landmark reported that Platte County R-3 had re-hired Westbrook and Co.
Reik explained he used a rubric to determine which company was the best firm to meet the needs of the district. In that same Landmark article from last April in discussing why he recommended taking Westbrook over the lower bidder, it was reported that Reik said Westbrook officials are very helpful. Congressman Sam Graves came walking into The Landmark office Friday afternoon carrying his lunch, which was a bag of fast-food from Sonic. We saw this play out in 2011 and 2012 when projections of rapid and enormous growth in student enrollment at Platte County R-3 were making the rounds. If that’s the case, Park Hill is now projecting a growth rate of as high as 666 students per year. We do know of a common denominator involved in those earlier wildly incorrect growth projections made at Platte County R-3 and the new ones being made at Park Hill. Architects make good money off of the construction of large, new, expensive buildings, am I right? Even one of the biggest government bureaucrats around, first district Platte County Commissioner Beverlee Roper, has been known to preach repeatedly against public debt.
Check out the letter to the editor on this page for the first return volley against Reik’s comment. My guess is that if R-3 had a very low amount of debt per student, proponents of the proposed tax increase would be touting that as a very positive sign of the district’s fiscal health and past financial management practices.
After many hours of thoughtful deliberation (in other words, in a 30-second conversation that consisted of yelling to each other while walking out separate doors of a building), Chris Kamler and I have decided upon a date, place and time for his book signing event in Platte County. His book is about the Kansas City Royals and that Korean dude who flew in during the Royals’ magical 2014 season.
We’ll have the official Landmark Newspaper Plinko board set up for anyone willing to give it a whirl. You’ve read stories in this fine newspaper about crimes occurring at Platte County hotels in what is known as the KCI corridor along Interstate 29. Last week’s event that you saw on our front page featured gunshots when perpetrators fired at a person who had spotted someone in his pickup in a hotel parking lot. If hotel staff members are debating whether a situation warrants a call to 9-1-1, that’s when they need to call 9-1-1, Lewis said.
Sheriff Owen backed up the KC police official’s concerns about shoplifting in the corridor. So public transportation, the lack of which is cursed by economic development officials who blame it in part for a perceived shortage in available workforce, has its downside in the law enforcement arena. FYI, Lewis mentioned the Kansas City Police Department’s North Patrol division leads the Kansas City metro area in the number of vehicles stolen while the engine is running with the doors unlocked. Does the Quality Platte County R-3 Schools committee realize the owner of the consulting firm they hired has compared their election campaign to O-rings under a toilet? A reader sent me this question: If the Platte County R-3 proposal is so great why do they need a nationally-known political consultant to make their case? Word on the street is that the Quality Platte County R-3 Schools committee will be using a political consulting firm in an effort to help it pass the proposed 43-cent tax levy increase in the April 7 election.


The political consulting firm that has been contacted by Quality Platte County R-3 Schools? Laura Hulett, deputy treasurer for the Quality Platte County R-3 Schools committee, would not verify whether the committee has hired a consulting firm.
Two weeks ago I reached Roe on his cell phone to ask him whether his company has struck a deal to assist the R-3 pro-tax group. Roe told me he didn’t know if his company has a deal in place with the R-3 pro-tax committee. These are the types of conversations that two guys who generally don’t give a crap have with one another.
If you take some time to digest the situation in its entirety, let’s not be totally shocked by the alleged partnership of R-3 pro-taxers with the normally anti-tax firm of Axiom.
Axiom did work for a Kansas City zoo tax proposal not too many years ago, so this wouldn’t be the first time it has consulted on the pro-tax side of an issue. Sources inside the administration building say Nancy Armstrong, new county clerk, has disposed of at least one of the employees she had inherited from previous clerk Joan Harms. Check out the coverage of a couple of important local business stories on our front page this week by assistant editor Valerie Verkamp.
And what about the gunfire outside a Platte County hotel after a witness approached three black males who were allegedly performing smash-and-grabs upon vehicles in the parking lot? No matter how hectic a day I might be having, when I see someone about to walk in the front door of the local license bureau office I realize my day isn’t so bad after all. There are some interesting-looking dudes and dudettes doing business at that location every day. Kansas City-area community centers are throwing out vending machines and switching to healthy food snack options, so from now on you’ll have to sneak in your own Twinkies and Ho Hos.
Some of the early reaction by county commissioners to the four proposals for Shiloh Springs Golf Course that came in from potential management firms is fascinating. Beverlee Roper, first district county commissioner, must have had a good night’s sleep the night before because she actually seemed focused and on point for most of the Shiloh discussion. Other than that Groundhog Day reference which thankfully was ignored by the other two commissioners, Roper made some common sense comments and observations, which means by next meeting she’ll be ready to run from the stances she took this week.
Roper pointed out it looks to her that Shiloh was designed postage stamp style on a piece of property, rather than flowing in a more unlimited manner that a golf course designer probably would have liked.
Duane Soper, second district commissioner who is a golfer and user of the Shiloh course, countered that he thinks Shiloh can one day make money. Now is the time to start focusing on ways to cut losses, move on and get rid of the annual financial drain. There’s a lot of studying that will need to be done to sift through the gory details of Martin’s proposal, but my first reaction? And here’s another benefit, especially for supporters of the parks department who may not be avid golfers. As you’ll see in our story inside this issue, Parkville and Platte City have police budgets that amount to an expenditure of $229 per resident. According to information gathered by DJ Gehrt, city administrator for Platte City, Riverside’s police budget equates to $1,006 per resident of Riverside. As your Landmark heads to press Wednesday, we’re being told the thermometer will hit 70 degrees later this afternoon.
That being said, I wouldn’t mind having to kick my pickup into four-wheel drive at least once this winter. The Quality Platte County R-3 Schools committee, the campaign organization promoting passage of the 43-cent tax levy question on the April ballot, is already at work.
In 2012, Platte County R-3’s levy increase proposal was soundly defeated 55% opposed to 45% in favor. We will assume that’s a Platte City address, though the paperwork does not list the city, state or zip. Deputy treasurer is listed as Laura Hulett, who is employed as a public relations person by the school district. Missouri Ethics Commission finally posted a copy of the agreement it reached with the Park Hill School District after Park Hill was found to have committed an ethics violation (see Landmark front page in Jan. Conditions were a little weird covering President Obama’s trip to the region Thursday.
I don’t know who was in charge of deciding in what setting this speech would be held, but it turned into a barn-like event inside what they called the Anschutz Sports Pavilion.
This was my fourth time covering an Obama appearance in the KC area, Valerie’s third. Tuesday night I headed to City Hall in downtown Platte City for a meeting of the economic development subcommittee.
These various Platte City subcommittee meetings, while often newsworthy, are also often very short. We did get to hear a presentation from Bo Woodruff about AMVETS’ fundraising efforts to acquire a tankchair, which is a heavy duty off-road wheelchair.
If you’re wondering how acquiring a tricked out wheelchair for community use winds up being tagged as an economic development discussion, join the club. While I strongly support the acquisition of the contraption, hope the fundraising effort is successful, and agree the wheelchair would be beneficial to local disabled persons, I would not anticipate a flood of new economic activity being generated because of it.
Next on the agenda for the economic development subcommittee was an item dealing with shredding of older city documents. Platte City Mayor Frank Offutt let it be known that the city turns 175 years old in 2015 and there will be some kind of celebration--or at least an observance of some sort--tentatively set for Saturday, July 4. The mayor also informed the economic development subcommittee that an anchor from the USS Platte, a former fleet oiler vessel, is available to the city.
The mayor indicated the anchor will be placed in the city’s small park next to the Platte River at the foot of Main Street, which has a name but most of us only know it as the small park next to the Platte River at the foot of Main Street.
It has been great to have the skills of assistant editor Valerie Verkamp back on The Landmark news beat the past couple of weeks. Occasionally it becomes time to clean out my news notebooks, review those sticky notes attached to my desk and place any news nuggets into this column space before I forget to get them distributed to the fine readers of this newspaper. We are finding talented music projects with the independent labels to find the musical talents hidden in the garage and the pubs of our cities. Use Kapipal to pre-sell tickets or albums, special promotions, merchandise…you name it – Why not start already today!
Originally connecting individual borrowers and lenders, online marketplaces are now structured networks that include partnerships with institutional investors and financial institutions, engaging in both direct lending and securitization transactions.
Amongst them, the US Treasury Department underlines the need for all stakeholders to use digitalized credit scoring processes carefully. While there is debate as to the definition of disruptive innovations (see HBR article), the definition is not so relevant in practice.
Startups typically have a dream of a change that is a revolution, and incumbents want it to be only an evolution.
Google created a new model to sell and price online ads in its search engine with key words, clicks and auctions. I worked for Nokia in the late 1990’s and I had to make a strategy for new technology that was emerging to our business area. The company has done excellent work with marketing and created hype in the early adopter communities. But we can conclude that both are making a mistake if they think a new technology alone changes anything significantly. Technological advancements in computing power has been remarkable, but the growth and pace of development keeps on accelerating.
Humans also easily overestimate their own importance in the events that befall them and in turn underestimate the impact of factors beyond our control, such as timing, the environment and sheer luck.
However, if you look at the complex, though logical and information rich environment,s what exactly is defensible for us humans that we can actually hold on to? In raising these points in conversations with more traditional firms in financial services or market participants, a common dismissal is “We’ve been using the basics, a phone and a relationship for decades. But in the next wave of applications, we are going to be seeing new models unfold that will dwarf our imagination and displace tens of thousands of professionals into new capacities and capabilities. This comes the same week as the founder and CEO is ousted amidst internal reports of misconduct within the pioneer and leader in the sector Lending Club.
In it the Treasury details several positive trends and spillover effects of marketplace lender pioneers, such as the increased service offered to often underrepresented consumers, the efficiency in the underwriting and decision making process and the benefits of increased competition in an often brick and mortar dominated market. The Treasury noted how the macro environment these companies have grown up to and developed in, has consisted of largely previously anomalous conditions, low interest rates, a financial crash, on one hand a clear increase of requirements on brick and mortar lenders and on the other a push toward more transparent, efficient models in financial services. Looking at recent events, its clear these values are not to be left unchecked and they are not a given just because a service embodies a digital native presence. We all have a role to play in the market and we should not accept the status quo at face value or the service we may get, but require and hold all participants accountable in the stride toward universal best practices that go above and beyond that of the the incumbent financial services market. We communicated that old and new site will run in parallel for three months as we wanted to give our users time to finish their current projects and have a chance to get familiar with the new site. Only thing to remember is your login details for old site don’t work and you need to sign up again. However accurate these numbers are, 2014 and 2015 have continued a dramatic increase in the pace of investment. An example of which was a recent discussion with a system administrator within a large banking conglomerate who had been brought in to oversee the winding down of existing legacy infrastructure. In the process of getting details of how their collateralized business debt marketplace should function (the configuration process), our team lead asked whether we could piggy bank on the existing infrastructure for business information as it already exists. Navigating these types of particularities is a crucial part of the adoption process and through our work with our clients we have been fortunate to be able to assist in the creation of new ways of delivering services for the modern consumers.
Funds and wealth management business has especially need to find more uncorrelated assets in their operations. One conclusion of a panel discussion on the topic was that ‘open-ended’ models don’t work properly with p2p loans.
They listed some requirements and candidates for those instruments, for example, 1) they must be scalable and easy to understand, 2) new real estate based instruments, and 3) PRS (Private Rented Sector) investment instruments.
What the market needs is sophisticated participants with a long term view and commitment to developing these new models, pioneering new opportunities and setting benchmarks in the market.
Investing in startups, family-businesses and more in general in SMEs, is not that easy yet. While the investment limit for retail investors is the lesser of $5000 or 10% of their net worth.
The prior attempts to pass a crowdfunding law in California were not successful but now it could be the right time.
The new California Local Economies Securities Act (AB 2751), by the Sustainable Economies Law Center (SELC), which already passed the State Assembly Banking and Finance Committee, aims to make investing in local businesses much easier.
These two initiatives are an important step in developing access to capital for small businesses and further growing the entrepreneurial ecosystem in California. Those interested to start a P2P financing platform can submit their application to the SC starting yesterday, May 2 2016. After having released these guidelines for digital investing, the securities commission authorized the launch of six platforms (Alix Global, Ata Plus, Crowdonomic, Eureeca, PitchIN and Propellar Crowd+) allowed to facilitate digital investing for non-accredited investors.
You can find the new rules in the Chapter 13 of the document (Guidelines on Recognised Markets). Everything from front-of-house services, such as customer on-boarding, account management and customer advisory, through back-of-house services ranging from risk management, payments, transactions and settlements.
From e-wallets, payment gateways, ID verification, KYC, AML and others, these building blocks are designed to be integrated and run with others.
The increasingly advanced range of APIs now on offer begs the question – why develop stand alone in-house solutions? Throw in payment gateways, custodian services, AML and online KYC checks, and you have a market ready platform. A Michelin starred restaurant, where the best professionals in their chosen areas of expertise are brought together to offer unrivaled service. This starts with understanding a client organisation’s digital culture, and alignment with future goals and opportunities in terms of customer service. Our consulting and advisory unit Grow Advisors offers professional services aimed at fostering and growing the use of digital finance around the world. Together with Southeast Asian Audio-Visual Association (SAAVA) and international crowdfunding platform Kapipal, the Creative Content Production Conference is offering film projects to raise money, increase awareness and connect with industry’s leading investors at the event.
It’s an adventurous & humorous short story about a boy who finds a gadget from outer space that is extremely dangerous.
Bhutan, famously known to initiate the Gross National Happiness index as a measurement of and national success, is also one of the world’s most isolated nations. It’s a story about Petros, a Greek professor researching Nikiforos’ personal diary to research the mystery of the stones the three walls of the Holy House of Mary, today inside the Basilica of Loreto, really come from the Byzantine church of Porta Panagia, in Pili, where they were guarded by the Byzantine family Angelo Ducas Comneno.
The financial services sector is a major backbone for the UK economy, and fintech an emerging sector within it.
It has enabled a culture that allows and encourages innovation of new services; where regulations and guidelines are based on actual experience and industry feedback loops. Recruiting in the UK’s finance sector has slowed according to a recent Financial Times article (paywall) as companies see uncertainty and delay recruiting decisions until after the vote.
It would lack essential skills and experience in areas such as technology, internet and data science.
Though local licenses may still be required depending on the service offered, the UK has been able to benefit from the global appeal of its fintech ecosystem. Today one can argue the UK offers better and more liberal regulation for fintech companies. If we factor in the fact that there isn’t a strong history of UK businesses with significant international success in Internet, retail or technology, UK fintech success on a global scene is not a foregone conclusion. We have outlined several risks facing UK based companies when looking for growth in Europe and globally.
Add to that the importance of an environment conducive to grow business, one that encourages talents to come and innovate. Below, we will detail some of these crowdfunding efforts and also note that more and more universities and colleges are using crowdfunding as oppose to traditional fundraising efforts.
Yet research projects often require finances (sometimes a whole lot!), so where do researchers turn to in order to generate funds?
Rather than give up, students and coaches are turning to crowdfunding as a way to generate funds so players can continue to play the sport that they love. The premise behind this is that universities are better able to leverage their alumni network via social media contact, as opposed to traditional contacting methods, like newsletters or postcards. This week it was announced that BlackRock made an investment of ?12.7 million in Funding Circle. This comes in the form of onboarding these customers onto a digital finance portal which they operate.
By operating in the “cloud” platforms both future proof scaling and mitigate internal controls to enter the market efficiently. Utilising their internal expertise in market knowledge, operations and product positioning, it gives them an advantage over most. Benefiting from cheap oil, the weak euro, and the slow decline in unemployment, the outlook looks positive overall.
Some schools or districts elect to schedule a follow-up day as another day of training or for consultation at the time of the initial contract.
You hear that term quite often this time of year when the NCAA Tournament Selection Committee is making choices for at-large berths into the men’s college basketball championship tournament. Unless the city has evidence of wrongdoing--which it apparently does not have at this point, despite some occasionally unsavory accusations--Nan should let this one go. The eye test also says the current mayor squirms a bit in her chair when Jones speaks up at meetings. Roper fired off the email to a circle of friends and alleged supporters, at least one of whom wanted to be sure that I saw it. Either way, if you’re a taxpayer to the Platte County R-3 district you helped pay the tab. This observation came from the Line Creek Loud Mouth blog, a blog not known for conservatism, by the way.
We pay people administrative salaries, yet give them menial job tasks that could be done by far less expensive employees. We’ll have some available for purchase in The Landmark office, 252 Main Street, Platte City. This time, there is no McDonald’s included in the site plan for the intersection of Highway 45 and Highway 9.
Joseph School District had been using the same auditing firm, Westbrook and Company, that Platte County R-3 has used for years? Employees who work at management levels inside school districts and other units of government often develop friendly relationships with particular firms.
The district chose an auditing firm with a price 26% higher than an equally qualified bidder.
Platte County Sheriff Mark Owen dropped in our office Tuesday afternoon and commented he was on his way back to his office and had lunch sitting in his car. The Landmark was at a meeting of the Park Hill School Board in December when it was remarked the district has grown by about 150 students per year over the past 30 years.
That seems the stuff of fairy tales, fantasies, and revenue projections at the county golf course. The common denominator is that there has been input in developing those projections by the architectural firm Hollis and Miller.
If you don’t know what The Landmark Plinko board is, check out a recent picture posted on my Facebook page.
Thugs are breaking into vehicles and stealing items in what the police call smash-and-grab crimes. It was recovered near 82nd and Troost in Kansas City, unoccupied, obviously with holes in the windshield.
It pisses me off,” said Major Roger Lewis, division commander of the North Patrol Division for the Kansas City Police Department, about the rising number of crimes in the KCI corridor. Owen says since the public transportation bus stop was put in near Wal-Mart on Barry Road shoplifting in that area has seen a marked increase. Kansas City police and the Platte County Sheriff’s Department have formed a task force to study the issue of crime in the KCI corridor and what steps can be taken by law enforcement to prevent incidents and to solve the ones that do occur. The only sources declining the opportunity to confirm it are the official spokespeople for Axiom and the campaign committee. Axiom Strategies has built a name for itself by fighting against things like tax increases, not in favor of them. Roe was in Texas that day, a state where he is spending much time in helping to guide the likely presidential campaign of Texas Senator Ted Cruz. Not only did it have an ill-advised, poorly-timed proposal it was trying to sell, but to make matters worse R-3’s pro-tax increase campaign was outfoxed and unprepared in 2012 when its levy question was hammered by voters 55-45%. Dairy Farmers of America announces it is moving out of Platte County the same week that Valerie was already doing a feature story on efforts the Platte County Economic Development Council makes to retain existing businesses in the county.
Gotta say I think a reality show or video podcast based on the adventures of the attorneys and defendants who enter the hallowed halls of the Owens Lee Hull Jr. See our front page story for more details, but I’ll summarize some of the highlights that hit me while sitting in on their discussion Monday. A couple of times she actually sounded like the promising 2012 candidate Roper instead of the hugely disappointing officeholder Roper. Like many of us with no emotional investment in the sport of golf, Roper doubts Shiloh will ever make money. He also said he does not want the county to sell Shiloh, using the defense that taxpayers have already spent $10 million over the years at the golf course. That fits the wishes of Soper and others like him who don’t want the course to go away.


Getting rid of Shiloh frees up many $$$ that can be used on other park projects, projects that wouldn’t be developed by private industry. Based on some questions they’ve posed in an online survey, it looks like the Vote Yes side has determined its magic number is 2,000, as in they believe it will take 2,000 yes votes for the issue to pass.
That same address on NW 126th is listed as the address for the organization’s treasurer, Vic Perrin. 14 issue) in last year’s laptop levy campaign that was hammered by voters 61% opposed to only 39% in favor. Under the deal, Park Hill must adopt a procedure that, in the future, the superintendent or his designee will review all publicly-funded informational items related to ballot issues prior to distribution.
As you know by now and can see on our front page, the president came to Lawrence for a speech at Kansas University. Yes that sounds indoors, I understand, but there were doors open on the backside of the audience next to the media tables. Of course since we featured Bo and this topic on the front page a couple of weeks ago, Landmark readers are well aware of this topic.
It did seem like an odd setting for Bo’s fine presentation, but apparently the city leadership believes every potential topic for the full board of aldermen needs to be vetted by some subcommittee. On Tuesday night there was at least one piece of newsworthiness to come out of that hour of our lives that we’ll never get back. Please duly note the dates of the Big 12 Tournament and let’s not schedule your book signing to conflict with those days. If you missed her byline there for a bit, it’s because Valerie was enjoying a winter-time tropical vacation to an undisclosed location.
There is absolutely no truth to the rumor that her boss back at The Landmark ordered the attack by the squishy fish assassin as some sort of payback for leaving him temporarily overworked. The more relevant question is whether a new innovation opens opportunities for new companies and is a fatal threat to old business. They are about technology, but the reason why they are a revolution is that they are not only technology, they change the business models and business logic of entire industries.
Banks want to utilize blockchain to have better database solutions, and startups want to use blockchain to destroy the positions of banks with new business models. Amazon cut the middle-men from the book sales value chain and offered a new customer experience.
Now it is getting a lot of pre-orders for a new model that just comes out after a couple of years.
New big things also include new customers, new customer experience, new business model, changes in the value chain and new division of commodity and value-added components.  Those who want to make a revolution must change fundamentals, not just improve things. Have you thought through the extent of the plausible impact of artificial intelligence (AI) and machine learning in the financial services market? Like all change it will be uncomfortable and fought against, but try arguing the contrary point. Its clear these conditions are not permanent and shifting the environment will have an impact on business models. If anything else, consumers, partners and stakeholders should hold a spotlight to them rigorously to ensure that perceived transparency is not misused. The new site offers many improvements and we are constantly updating new features to make even better. In case we didn’t reach you go to our migration guide for more information how to transfer your existing campaign to the new site. Another factor that’s often harder to quantify, is the adoption among the incumbents and established market participants in the sector but arguably its at least as indicative of a larger trend.
They also concluded that the US BCD (Business Development Company, similarities to VC funds) is a very problematic structure to use for p2p loans. To name a few in October the SEC approved the Title III of JOBS Act, making online investing possible for retail investors. From a pure innovation cycle point of view, they offer a credible alternative to acquiring or buying out companies seen as threats to incumbents. From funding solutions to marketplaces and co-investment models, we help disruptors and incumbents alike, to set business strategy and deliver technology solutions. As the Buddhist kingdom continue to modernize and open up to the world, will the ‘happiest country in the world’ continue to remain contented and happy? In contrast, many countries have opted to define exacting rules beforehand, leaving much less room to innovate and often stifling the very sector they aim to grow.
Looking closer at fintech, it requires a mix of several key skills including 1) finance, 2) Internet services, 3) technology, and 4) data science. Recognising the importance of foreign labour skills, even the ‘Leave’ campaign suggests the UK could continue to take on foreign workers. If ‘Leave’ wins, the ensuing EU resignation process could take up to 2 years, though negotiations and developing new business frameworks are expected to take even longer.
Skilled workers from outside the UK often make up for the shortfall where highly analytically skilled professionals are needed. In a post brexit environment, this may no longer hold true, and other cities more accessible may emerge as beneficiaries. However, companies wanting to operate in other countries must fulfil specific requirements in those countries too. In contrast, other European countries such as Germany, Sweden and Spain, have created highly successful modern consumer business globally. With ?6.6 billion in revenue and more than 60,000 people employed in 2015, the size of the UK financial technology sector is already considerable and considering the attention given to the sector, the future definitely looks promising. Traditionally, researchers would have to compete for grants, yet now more and more are turning to crowdfunding in order to raise money for their projects. This is still in its initial stages, but universities spread out across the entire United States – in states such as Utah, Vermont and Virginia – have launched crowdfunding campaigns in the past, and more are preparing to in the future!
Similar activity is mirrored by companies such as Goldman Sachs, JPMorgan and DBS in Singapore. The motive for the institution is clear and with the rise of “collaboration” it makes entering the market effortless. With the prospect of economic volatility reaching developing countries, evaluating risk is key when determining investment and trade opportunities.
Other schools have chosen to schedule the initial training over the course of several days. Check out the ample parking space available on Platte City’s Main Street at most hours of the day. Do you know how much money the park tax will generate this year if it ends 14.6% ahead of 2014?
Second place gets an autographed copy of Landmark columnist Chris Kamler’s new book The Silence, The Series and The Season of Sungwoo. Basically, our contest is won or lost in the later rounds because later round victories are rewarded with more points than the early rounds. Parkville--home of golf carts legalized as street vehicles, parks, nature areas, parks, nature areas and did I mention parks--can be a bit quirky when it comes to proposed development. You were elected to lead, not to be led by the paid professionals on staff at whatever public entity you’re serving. Don’t just list the elected position on your resume and think warming a seat at meetings is all you need to do. But Westbrook’s reputation is no doubt taking some hits after what has been revealed in St. Joseph School District’s experience, it might be time to re-evaluate some things like longstanding relationships with particular firms, not only in the field of auditing but in other service categories. So incorrect, in fact, that the district has trashed those earlier numbers and toned down its most recent predictions of growth to a level less likely to trip the crazy meter. The tone at Park Hill has changed in recent weeks, not surprisingly at a time when the district is now pushing the need for a major facility expansion (see last week’s front page).
This thing better have some pictures in the early pages or I’m going to need a shock collar to get through it. The plan is to set up shop on the sidewalk in front of The Landmark office that Friday afternoon, maybe around 2-ish or 3-ish, and hang out through the early evening hours. Suspects--police say there were four black males involved--opened fire at the witness through the windshield of the suspects’ stolen Mercedes.
Lewis made the comment Friday morning while addressing a group of hoteliers in a meeting called for the purpose of talking about the recent criminal activity that has occurred on and around their properties.
The more public knows the better steps they can take to protect themselves and their property.
That’s why the type of vehicles most often hit are pickups and SUVs--vehicles most often driven by folks who would have a weapon inside. One night last week, Lewis said, a clothing store in Zona Rosa was hit with a $10,000 loss in one shoplifting incident.
Axiom is a very successful multimillion dollar company now with a national presence and a lot of irons in the fire. Armstrong had walked out of the office, apparently so she wouldn’t have to see the carnage she had ordered.
Well, except the part where she announced for no apparent reason that she went to college with the daughter of the mayor of Punxsutawney, Pa. Martin wants to run Shiloh by aligning a group of investors to operate the course as a non-profit for a few years, then mentions he would make a $1.2 million offer after three years to buy the course from the county.
The private sector has done a fine job of handling golf courses in Platte County in recent years. My guess is we’ll be back again the next time a president, Obama or otherwise, comes to the area. Give me a meeting that is not time-consuming yet has some news value in it and all is right with the world. Despite the 87 other things I needed to be doing at the time, I headed down there anticipating--hoping for is probably a more accurate description--a 30-minute meeting, tops. After the mayor’s presentation about the 13-ton anchor from the aptly named USS Platte--which has been out of commission since 1999--being available, the committee recommended the city spend the $3,000 to have the big-ass anchor shipped here from New Orleans. However, recent setbacks experienced by prominent actors stress the importance for all not to sacrifice long-term sustainability and stability while shaping this promising sector. I tried to be smart and named the strategy “Evolution to revolution,” because to speak only of the revolution and a threat would have been politically incorrect internally. Not only do these represent demeaning way of looking at some of the most promising technological advancements, arguably they represent a deep misunderstanding of just how fundamental this change in landscape is.
Now the three months has passed and we are ramping down the old site on May 19th after which you are unable to access it any more. That being said, this trend is unmistakeable across the board and sooner or later, it will get completed either smoothly or more likely, through a series of at times critical system failures.
At the same time, more and more senior talent from the traditional finance companies are moving to p2p lending and instrument companies. A few months prior, South Korea launched “Financial Investment Services and Capital Markets Act” and Portugal regulations for securities crowdfunding. Other than strong finance skills, the UK’s track record to build global technology and Internet companies is however not world class. It would however create systems to control and monitor who and how many are welcomed into the country. Companies however would be required to adapt to the new situation immediately while having to make investment decisions based on longer term plans.
With tight resources, faced with administration hurdles and visa processes, changes to immigrant workers could impact operations. Though the UK has strong education establishments, it often lags other European countries when it comes to computer science, mathematics and other more analytical courses. This, as a result of an unclear trading environment where new frameworks need to be established. Services built on fintech are different from say, traditional fund management and investment banking.
And for those willing to go through potentially complicated visa (or similar) processes, there are other options like the US and some Asian fintech hubs to compete with the UK. While these large institutions are making waves in the digital finance space, similar size opportunities are being exploited by community banks and institutions in the form of local P2P networks. Marzano’s research also proves effective teachers should possess a set of skills necessary to meet diverse student needs. If past performance is any indication, Landmark office manager Cindy Rinehart is considered among the front runners to come in last, but if that happens any potential prize will go to someone else.
The portion of the letter that needs explanation deals with some bizarre remarks Roper makes about development potential at KCI Airport. It has taken six years for the housing market to recover and the trend for the next generation is marrying later and not having more than one kid. Anyone that thinks public education is not a train off the financial tracks is simply ignoring the facts that are in front of us every single day. Also, Chris is hosting a book launch party this Friday night, March 13 at Dirk’s bar and grill in Platte Woods. Read the contents of a blistering state audit that was just conducted on that school district. Realize that the paid professionals don’t have the same level of ownership in your entity that you do. Reik said it is Westbrook’s thorough audit and helpful attitude that makes them the company many school districts turn to for their auditing needs. Change can be inconvenient for some staff members but overall change is a good avenue of protection for patrons and taxpayers. A stray bullet traveled through a first floor hotel room window and struck a sleeping guest in the leg.
I’m not sure how somebody gets away with $10,000 in one night of shoplifting, but police say it happened. A local school tax levy campaign is small potatoes in Roe’s world, as he let me know in our phone conversation. The question is, will the campaign have enough contributed money available to throw to Axiom for the firm to do the campaign any good?
Getting Shiloh off the county parks department books would free up tax dollars for other amenities and services not offered by the private sector. If the district commits any further violations within a two year period , then Park Hill will be required to pay the remainder of the fee.
Double garage-sized industrial doors--which allowed a pretty damn crisp wind to blow through on a cold day. It will require a crane to unload and place the massive object, and Absolute Crane of Platte City can do that for $800, the committee heard. But the much bigger thing that is happening in transportation is self-driving cars and car-as-a-service.
With hundreds of legacy Windows 2003 servers haunting in the background, there was literally no way it would be a good use of anyones time.
How else is the gap between the suit and tie wealth management banker and the millennial that doesn’t want to speak to a person going to be bridged? We welcome discussions with leaders in their fields on how to leverage synergies and best practices from existing frameworks in emerging environments.
Recommending the specials (best practice), to advising on pairing dishes with drinks, and ensuring impeccable service.
As a leading conference, 7th Creative Content Production Conference is the best place in Asia to share this knowledge and help filmmakers, big or small, to make it happen.” Mika Jordman, CEO of Kapipal stated. Cikeboom is raising money for production of teaser video to help marketing and find funding for finalizing the production.
Singapore based Xtreme Production, established in 1997, has vast experience in productions of varied scales and complexities, with portfolios ranging from international television programs to global corporate communications. Add to that the fact the UK has its own very particular visa types and rules, the panorama would leave many fintech startups with additional hiring stresses. It is unbelievable that there are still folks who want to fight when it is suggested the rate be cut slightly to allow a portion of that half cent sales tax to fund more basic services, such as law enforcement. Public education insiders were quick to totally destroy the last education reform issue on the ballot, and probably for good reason. Some things in there will anger you, frustrate you, amaze you, and most of all should put you on alert.
Realize that those paid professionals you may have come to believe will always be there are often thinking of their next step on the career ladder, the next job that they may see as bigger and better. Particularly in a case like this one, where a change would also have meant saving significant taxpayer dollars. Justice Center and the Pool Hall, with the hope being that borderline nut jobs and some slightly boozed-up folks will be more likely to buy a book.
It seems like the incidents are getting more violent each week,” the sheriff told me later. Axiom can work wonders but it takes significant dollars, not chump change, to put its recommendations into action. Roper also was strong in expressing her desire to have the county explore the idea of selling the Shiloh property to a developer rather than mandating it be kept as a golf course.
It should be noted this is not a lot of $$, but it sends a message that leadership at the district is not living up to ethical standards in elections. And keep in mind because of the security factors involved in presidential visits, the media must be set up and in place for a couple of hours in advance of the speech. Maybe combining self-driving cars and an Uber type service, car-as-a-service, is the real revolution?
The menu, a collection of dishes, comprises features which in turn are made up of technology ingredients.
In addition to visa complexities, UK based fintech would find it hard to operate in European markets, at least until new frameworks are established. Yet I don’t see these same insiders promoting any plans that will curtail the squandering of millions of dollars on public education waste that has been created nationally, regionally and locally. It’s your job as an elected official to look out for your local taxpayers and patrons because your paid professional is looking out for number one.
Based on the established growth trend of 150 students per year, that level would be reached about the year 2030.
I wish I had a buck for every time this newspaper has had to put a verbal squeeze on law enforcement spokespeople to get basic public right-to-know information from them. This is never good for an administrator’s job security nor for the district as a whole in trying to win over the hearts and minds of the taxpaying patrons it serves. So, yes, assistant editor Valerie Verkamp and I were basically locked in a deep freeze for hours that day.
Your Landmark editor, crazily thinking, you know, that the president would be speaking in normal indoor conditions--in other words, not with an Alaskan wind blowing on the media tables--didn’t even wear a coat into the place.
I won’t order anything that I will only receive after two years at the moment, when the industry can change totally in a few years.
Certainly it is the case that some investment banking and fund management services operate in offshore locations successfully.
At least someone had taped a letterhead with the presidential seal on it on the door of the media’s porta potty (a unisex porta potty, pity the poor ladies, this thing had been abused if you know what I mean) to add a touch of class. Whatever the reason, if we can effectively judge the caseload of the courts by the number of cars parked out front, the caseload has decreased noticeably.



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