In this post I will review some strengths of Fintech and how it is changing our financial world. Also I will discuss how these changes will result to financial democratization. Based on almost daily interaction with FinTech companies, these are the general themes and impact we see which will define the future.<\/p>\n
Anyone will be able to invest in anything or anyone: <\/strong>Investing in private companies and start-ups have been restricted to institutions and wealthy \u2018angels\u2019, but equity crowdfunding is already allowing investors to invest from small amounts in interesting businesses. The peer-to-peer investing space is just getting started.<\/p>\n In the past, while platforms like eTrade\u00a0and Scottrade\u00a0were able to open the high-volume markets to individuals, and electronic trading has allowed OTC trading through a browser, the new generation of fintech companies will allow investors to invest in almost anything, often through their smartphones. Moreover, the decisions will be completely controlled by the user, so investing in the next big thing, before it is even out of the garage, will be possible.<\/p>\n Customers could be your investors: <\/strong>With P2P investing, entrepreneurs can reach out to their customers first, instead of breaking their heads with potential investors, who may or may not understand their businesses.<\/p>\n Optimum utilisation of capital:<\/strong>\u00a0For those of us who have dealt with venture capital and private equity firms, we know that such investing model is broken. With all the innovation in the P2P space, we\u2019ll see that investors in Venture capitalists and Private equity\u00a0firms, as well as governments, will find better ways to deploy their capital. The finTech firms are filling that gap in the market.<\/p>\n <\/p>\n Your mobile phone will be your personal banker, financial advisor, wealth manager:\u00a0<\/strong>Machine learning, chatbots, and other types of Artificial Intelligence are replacing the need to rely on humans for advice, and by 2025, we\u2019ll be asking questions to our devices loaded with integrated third-party services that could answer those questions.\u00a0Machines can access and process much more data much faster than humans ever could. Hence, inputting all your information will let you make better financial decisions without the need to hire an accountant, broker, and lawyer. They will also likely be much cheaper as the software becomes more widely available. This is not some distant future tech, this is happening now.<\/p>\n Conclusion:\u00a0<\/strong><\/p>\n FinTech are starting a new chapter in financial services. Machine learning will play a huge part in this area.\u00a0For the time being, the technology is nascent, so take the advice with a healthy amount of skepticism and do your due diligence, but there\u2019s no reason to resist. With Fintech based on machine learning everybody has access to the data and can invest in the market. Limitations would be disappeared. Democratizing the market would conceal mysterious aspects of investment and lead toward justice and equity.\u00a0This is the future.<\/p>\n References:<\/p>\n https:\/\/thenextweb.com\/…\/stock-market-and-p2p-investing-in-2025-thanks-to-fintech\/<\/p>\n http:\/\/lending-times.com\/2016\/10\/14\/friday-october-14-2016-daily-news-digest\/<\/p>\n https:\/\/plus.google.com\/+Cityfalcon\/posts\/VcuSNzqvoa9<\/p>\n https:\/\/plus.google.com\/+Cityfalcon\/posts\/VcuSNzqvoa9<\/p>\n","protected":false},"excerpt":{"rendered":" In this post I will review some strengths of Fintech and how it is changing our financial world. Also I will discuss how these changes will result to financial democratization. Based on almost daily interaction with FinTech companies, these are the general themes and impact we see which will define the future. Anyone will be … Continue reading Fintech in Stock Market and P2P Investing<\/span><\/a><\/p>\n","protected":false},"author":1688,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"qubely_global_settings":"","qubely_interactions":"","kk_blocks_editor_width":"","_kiokenblocks_attr":"","_kiokenblocks_dimensions":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-906","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"gutentor_comment":0,"qubely_featured_image_url":null,"qubely_author":{"display_name":"hamed","author_link":"https:\/\/blogs.scu.edu\/finis\/author\/hamed\/"},"qubely_comment":0,"qubely_category":"Uncategorized<\/a>","qubely_excerpt":"In this post I will review some strengths of Fintech and how it is changing our financial world. Also I will discuss how these changes will result to financial democratization. Based on almost daily interaction with FinTech companies, these are the general themes and impact we see which will define the future. 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