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      "author": "micromoney",
      "body": "We are now in the testing stage, feel free to help us test it, try and give any feedback.\n![](https://cdn.steemitimages.com/DQmUBHH6qTQtKQAnWvhYgN1ktGY2YZntCGffJYk9ZtAGv2F/image.png)\n\nSteps:\n\n1. Sign up on the site of the wallet https://test-wallet.gatei.co/#/ (via social networks or your email). An access to the wallet is available via the site or PWA — android App (in google chrome open our site test-wallet.gatei.co, tap on settings and choose “Add to homescreen”, tap ОК, after the following steps you’ll be able to see our wallet on your homescreen)\n\n2. After signing up please follow all the tips and write down your mnemonic phrase (!!!) — it’s really important\n\n3. Now please create 2 assets (one for both bitcoin and ethereum) and send to Egor Ermolaev( https://t.me/ermolaev1337)\n\n4. After charging your assets please create 6 transactions (cooperate with other users by means of adding each other in your address book and sending ethers and bitcoins to each other)\n\n5. Have a look on your transactions’ history to see the status of the transactions you’ve made\n\n6. Give us the feedback about your user experience (questions and recommendations with screenshots) right there (https://docs.google.com/spreadsheets/d/1CTzZGDMr7ymhPBuiymBuAnLM73uUUI7E9-hrnkuI-iY/edit?usp=sharing). If something goes wrong, don’t hesitate to ping Egor please.\n\n7. If you wish you can test the wallet via the real networks wallet.gatei.co — but we won’t charge your assets by real coins 😊)\n\nThank you very much for your support, it’s really very important for us!",
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      "author": "micromoney",
      "body": "Fintech is growing at a fast rate year on year. With the expectation of making large returns, financial firms are spending much of their money on technology to improve customer service and efficiency. What we all come to know is that Fintech companies offer the same old things that banks did for centuries but in a more effective and efficient way. It is the unlikely event of the disruption of banks as of fintech. That is due to the fact that banks are also well placed to be adaptable to technological innovations and do old functions in new ways. Having realized the benefits, the collaboration between fintech firms and legacy banks is occurred to contribute innovative solutions and remarkable customer experiences through the digital technology.\n\nFrom the perspective of some senior bankers around you, they believe that the fintech firms will significantly influence on the future area of banking. Some think that the market share of fintech will be the same as the banking market. There is no doubt for me that banks will still have a strong position in the market as well as the fintech will grow higher.\n\nThere are several reasons why Fintech doesn’t disrupt banks.\n\n1. The health of traditional institutions can be improved by Fintech when banks start to see fintech as a beneficial tool for enhancing performance and promoting profitability.\n\n2. An opportunity for enhancing loan portfolio diversification is what provided by fintech firms.\n\n3. With the great partnership with fintech, matters like credit card processing, transferring money and processing loans can easily be carried out. Furthermore, traditional financial institutions can be benefited by securing network and manage the time to get tasks done quickly and easily without any effort.\n\n4. A notable quality of fintech is data enrichment. Fintech data can provide the traditional institutions an insight that the activities of how customers spend their money. This is one of the advantages provided by the partnership with fintech.\n\n5. Further, banking services as payment processing, credit card transaction and deposit taking need of more secure technology infrastructure. By collaborating with fintech, banks can concentrate on creating customer experience and service at the same time fintech startups can leverage the technology infrastructure of the partner bank.\n\nThese reasons strongly prove that fintech and traditional banks are not enemy at all and it is not as you think.\n\nMore and more companies start to adopt the technology to apply in their financial services for managing better financial aspects of their business. In this case, banks are used as a platform where companies can build their applications using the bank’s data. The data and services of these banks are used as a platform to interact with customers. If banks are able to adopt the technological development, there are great opportunities to expand their business. MicroMoney focused on micro-financing in the money lending industry is to provide the best solution to individuals and small enterprises for meeting their financial needs. MicroMoney acquires new customers by using big data and credit record bureau on blockchain where credit records, personalized data and depersonalized data are kept. Big Data collected by MicroMoney may provide business value for banks and MFIs to be beneficial for e-commerce, telecom, and insurance industries as well. The data at MicroMoney’s disposal helps to facilitate access to a new audience, segment potential customers by interests, and effectively target consumer offers. Thus, for my point of view, the business gets an opportunity to reduce risks, and MicroMoney customers receive more advantageous consumer offers. Banks are using extensive budgets to attract and verify their customers. For MicroMoney, the cost of acquiring 1 reliable borrower is just $1 and banks can buy credit records from Credit Bureau using tokens of MicroMoney.\n\nA great wealth for fintech firms is the banks. Banks should collaborate and learn from the success of fintech startups. There is a strong relationship that can benefit both fintech firms and banks. The future of banking is directly proportional with the technology. The potential of fintech is to upgrade financial services not through competitions but through cooperation. Therefore, the statement that I want to prove is that the firms of fintech do not intend to kill of the traditional banks but it will surely innovate the existing systems of banks through collaboration.",
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      "body": "MicroMoney was established as a Microfinance institution that provides financial services to individuals and small enterprises. We are proud to be a financial industry adopting Fintech with the aim to bring people to the new global decentralized crypto economy. Now, we are launching our MicroMoney wallet for the processes of buying, selling, receiving, sending and exchanging your currency to cryptocurrency.\n\nIf you are a user of MicroMoney wallet, you are allowed to buy and sell Bitcoins through your debit card. Earlier, some Bitcoin exchanges let you buy Bitcoins through the use of credit card, bank transfer, wire transfer and now debit card. There are hundreds of companies out there available to buy Bitcoins but it is sure that not all companies are trustworthy or simple to use. We introduce you a wallet that is established to make the buying and selling process easily and instantly. We believe to have the reputation of being one of the top wallets to buy Bitcoins in the world. MicroMoney Wallet enables users to buy and sell Bitcoin, Bitcoin Cash, Ethereum and Litecoin, and let users (Android and iPhone) trade by following simple steps. Therefore, MicroMoney Wallet is such a reliable source for you.\n\nDebit cards are considered to be one of the most basic bank cards and unnecessary costs can be avoided by using them in a right way. A debit card or a check card can be used for purchasing by linking with the checking account. It is safer and more convenient to make purchases in person or online than using cash and check. Debit cards make you easy to get cash and pay for the things and services without any inconvenience and to draw money out of your bank account. Debit cards are also handy to use. The money spent on purchasing will be deducted from your bank accounts. Thus, a debit card is just a tool to let you access your bank account from any location. These are the reasons why MicroMoney Wallet lets you buy Bitcoins with your debit card.\n\nIn the old days, bitcoin buyers had to buy coins by linking their bank accounts that was proved through two small deposits and waited for several days till Bitcoins were sent into their wallets. Today, there is an announcement that buying Bitcoins instantly through debit cards are now available in most of the exchanges and wallets. Debit cards are owned by everyone who has a bank account. If you are the one who doesn’t trust in credit system may find it interesting. For buying Bitcoins instantly on MicroMoney Wallet using debit cards, the followings are what you need to know. First of all, you have to register for an account on MicroMoney Wallet and provide complete information of your profile, address, passport, information of workplace and contact information. Next you have to go to card and bank setting and add on your debit card number. After opening your account with your email, under the wallet tab, you can check how much money you have in your debit card and the amount of cryptocurrency. MicroMoney wallet ensures your transaction history. In the wallet, you can choose options like send, buy, sell and receive. You can also make cryptocurrency exchanges. You are also provided Marketplace tab for connecting your business to customers. You can also buy AMM token. In general setting, there are setting to choose your time zone, and local currency, integration with cloud services and integration with third-party services. After doings all these followings provided, you can purchase Bitcoins instantly using your debit card. We hope that the information of Micromoney Wallet and the features are useful for widening your knowledge concerning the cryptocurrency and for creating a wallet of your own.\n\nAs there are many benefits of using debit cards, the number of consumers who rely on debit cards has increased. It is necessary for the debit card users to verify their identity before they make their first purchase. Therefore, it is believed that the trend is also about to take place in other countries around the globe.\n\nAs there are plenty of Bitcoin Wallet providers with different features. Therefore, we recommend you to choose wisely a wallet with high security.![Micromoney Wallet  will let you instantly buy bitcoin with a debit card.jpg](https://cdn.steemitimages.com/DQmZjo5czAmCnCeovcHFQNokfFV8N9sMbBW2Q6hfWu9XkV3/Micromoney%20Wallet%20%20will%20let%20you%20instantly%20buy%20bitcoin%20with%20a%20debit%20card.jpg)",
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      "body": "Excellent  article. I learned a lot of new things. I signed up and voted. I will be glad to mutual subscription))))",
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      "body": "![Asset Management- The next frontier for FinTech_.jpg](https://cdn.steemitimages.com/DQmUg12GErsvU2RaNzsstsWKv2GuxTZLVZuj9feFPJnaCoV/Asset%20Management-%20The%20next%20frontier%20for%20FinTech_.jpg)\n\nWhat do you need for a profitable business? First of all ask yourself — “What if…”\nMe and my team did it in 2015. We asked ourselves — what if we could provide financial services to unbanked people in the emergency markets? The answer was — the world would become a better place. The second question was — how can we do it? And after not just a brainstorm, but a brain hurricane , we came up with an idea following a technical solution. Hence ,we dared to give it go.\n\nThe MicroMoney project was launched in 2015 with a small amount of cash in the pockets of its founders and with a very ambitious idea. It all began in Cambodia with twenty customers. Now it is a profitable working business with offices all over Asia.\n\nDecentralization of the company finally came to life in October of 2017 — the business was tokenized through the ICO.\n\nI don’t want one to read this passage and start crying due to its sense and sensitivity. Let’s leave it the 19th century. Nowadays , I want one to cry from the high-tech possibilities that are around us. Management is no longer just about your personal skills and sense of a good deal. Modern science has produced a lot of tools for us, and if you use them , it will help to overcome all the boundaries around you.\n\nCloud-based service makes it cheaper and easier to enter barriers and run a business across many industries. There are many opportunities to improve operational efficiencies by moving activities to the cloud.\n\nPowerful analytic tools have also helped a new wave of real time investment strategies to come through . Contribution opportunities and strategies which , a couple of years ago were only available to privileged individuals with an access to private banking services — can now be reached through one’s own smartphone device.\n\nFor example, our motto is “MicroMoney for people and Big data for business.” We have developed a mobile scoring system for a rapid assessment of client’s creditworthiness. Relying on Big Data, neural networks, and machine learning — it has the functionality to approve the very first loans for unbanked people — creating their credit histories from scratch a hundred times cheaper than traditional banks do. Our unique scoring self-learning system analyzes the data available from the borrower’s smartphone and identifies potential credit risks with more than a 95% accuracy. In only a few minutes the program makes a decision whether a loan should be approved or not. If the answer is yes , it sends money to the customer’s e-wallet. At the same time, financial and other companies get the access to this credit rating database based on fees, allowing them to receive a list of reliable and already assessed customers who are ready to consume their offers.\n\nWe produced a truly working business model. Our startup project grew to an international company. And now , we would like to share our experience. We believe that companies comprising the fintech sector have the potential to make a big difference for contributors and long-term savers. Increased competition will bring lower costs across the whole investment process — the more players there are on this market — the better offers there are for customers.\n\nAs we started MicroMoney in Asia , and as our company is oriented to work in emergency areas, it is really important for us — it is our social mission to help people there. Although, if you don’t want to explore this region we can recommend you old mother Europe. The UK is a leading global financial service centre, and the most internationally focused financial marketplace in the world. You may start your fintech company in the states headed by Queen Elizabeth II. According to Accenture, the UK and Ireland is now the fastest growing region for Fintech contribution with deal volumes here that having been growing at 74 percent per year since 2008.Compared with the other 27 percent globally and the 13 percent in Silicon Valley.\n\nMoreover, UK Trade & Investment — the economic development arm of the British Government — anticipates further growth in this segment. So, think globally, «if…»\n\nManagers today shouldn’t be afraid to share their ideas and to join forces with other companies. Modern management strategies are made of people — for people. A good manager today must adore technologies and help its team to grow. Nowadays you should be quick and always travel at a speed of light — the moment you hesitate to change and try something new — you are too old for the business.!",
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      "body": "## By Sai Hnin Aung, Founder of MicroMoney\n\n![How will marketplace lending become a mainstream investment asset class_.png](https://cdn.steemitimages.com/DQmauoGY5Fn4tu5URzKyJ7mo42bbiPKdWJG29Fn4odaeuFg/How%20will%20marketplace%20lending%20become%20a%20mainstream%20investment%20asset%20class_.png)\n\n### Globally, people are not able to overcome poverty and to increase their living standard as lacking of access to financial services.\n\nMost of the people live in still developing countries and poor places fall into poverty because of health problems, financial setbacks and other personal cases. Another major issue for those living in near poverty is the lack of the banking services. There are number of ways they can try to transit out of poverty as adopting new farming technologies, investing in new businesses or searching for new jobs. But the most common way for them is to get loans from the unofficial moneylenders to solve their problems temporarily. For being unofficial lenders, the interest rate is much higher and the borrowers can get threatened when they cannot afford to pay the money back. This can seriously make them live below the poverty line. Therefore, an effective strategy for fighting poverty is lending market, in other words, microfinance which is a way to promote economic development, employment and growth through the support of finance to individuals and small enterprises. It can assist people to weather setbacks and stabilize their finance over the long run.\n\nTo live above the poverty line and to raise the living standard, lending market plays a crucial part. Marketplace lending matches borrowers and lenders through online platform. MicroMoney focused on micro-financing in the money lending industry is to provide the best solution to individuals and small enterprises for meeting their financial needs. If you are in need of money, MicroMoney provides you online loans without any collateral requirements. By just following simple steps to fill in the application form on MicroMoney app, you can get loans. Using machine learning algorithms, a loan is approved in just 15 seconds and are able to deliver the funds in one hour. According to the results that the branch of MicroMoney in Cambodia makes the business profitable within three months and MicroMoney Myanmar is equally showing stable performance growth, it is no doubt for me that people including you get familiarized with financial service online and the lending market will continue to grow in the future.\n\nThrough the use of online platform, technology advancements and crisis and issues related finance are coupled for the flourishment of marketplace lending. The investments in lending market include real estate deals, secured business loans, loans for students and more. The platform of marketplace lending has many advantages over the traditional financial institutions. Lending market is of advantageous platform both for investors (making higher returns) and for borrowers (lowering the interest rate). Marketplace lending has consistent returns with lower volatility. So, it is said to be one of the best investments for high return rates. A clear example is that you only have to look at those in your environment who make money by supplying loans unofficially. It is one in a million that these unofficial lenders face losses and are not provided any profits. To get the benefits as a high and steady payout, low volatility, low correlations to equities and limited sensitivity to the short duration of interest rate, the credit risk are bearable for investors.\n\nFrom the investment perspective, what find interesting is that the loans are amortizing. For being short duration loans, you can pay principal and interest each month. Lending market is beneficial to investors for making investment in an asset class which is self-liquidating and paying lenders back every month. Marketplace lending is profitable for you (if you are interested in investment) for giving ability to access new asset class. From the borrower perspective, getting a small loan for satisfying their financial needs via online is such an attractive way for them instead of dealing with traditional institutes. And there are many advantages like easy, fast application process, lower interest rates, fixed interest rate and no penalty if borrowers pay off the loans before due date and many more compared with credit cards and traditional banking. So, I believe there are many advantages you can get by being a part of marketplace lending.\n\nTo conclude, lending market provides microloans to those who are financially poor entrepreneurs and starting small businesses with the absence of access to banking and banking related services. Most of the marketplace lending industries intend to satisfy the financial needs of people by helping them to be out of poverty. It enhances chances for people to participate in the world of economy. Marketplace lending through online is one of the fast-growing sectors. Many lending industries like MicroMoney will be larger in number.\n\n### Therefore, what I want to suggest is that there are many opportunities for investors to invest in marketplace lending as a mainstream investment asset class.",
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      "body": "### Anton Dziatkovskii, Founder of MicroMoney talks about how the focussed use of Big Data may help banks extend their reach without increasing their physical infrastructure.\n\n![Data Analytics and The Death of The Modern Banking Industry.png](https://cdn.steemitimages.com/DQmRA9ysc1ppPsCTQca8xbMRtJDJzUdJWLnCRd4LveGDM2B/Data%20Analytics%20and%20The%20Death%20of%20The%20Modern%20Banking%20Industry.png)\n\nIt’s difficult to imagine a world without banks. The traditional banking system has become so pervasive in our lives that we cannot think of a world where trade, business and even daily transactions can occur without a bank. While we may think of this scenario as improbable, we are actually part of a generation that is slowly moving away from banks.\n\n### Non-traditional players looking to become primary financial service providers\nImagine your transactions with Amazon, for instance. You fill in your AmazonPay wallet and pay for goods and services through it. If you are a Prime member, you get 2% cashback on all your purchases. You can pre-order experiences and goods before launch. You can basically do all this and more using your Amazon app, rather than your card or cash. Doesn’t it seem more like a bank account? If you are a merchant with a digital storefront, you can also add a button to your website that allows your customers to pay with their Amazon balance and checkout using their Amazon account information. Where, in all of this, is the bank?\n\n### What is helping them? Big Data\nThere are other non-financial players that are looking to take you away from traditional banking, and with good reason. They started off either as an e-commerce store or a payment gateway solution, but as more and more people got attracted towards the unique experiences that these platforms provided, these platforms also started receiving a ton of data from their customers’ online behavior. This data — big data, as it is called — can be used extremely strategically to create unique and highly customized experiences for customers. And these players know how to leverage this personal data of customers to keep them loyal.\n\n‘Experience providers’ as I would call them, like Amazon, are gradually but surely encroaching upon the hallowed turf of banks. And they are doing this with the help of big data analytics. If traditional institutions do not leverage their customers’ data better, outside players will soon become primary providers of financial services.\n\nThe traditional banking system has been slow to embrace technological advancements. While there have been innovations in fintech, banks are often the slowest to accept them because they have been foolishly secure in the idea of their infallibility. Players like Amazon have proven that banking institutions are not indispensable and the onus is now on banks to fight for their turf against powerful contenders.\n\n### 2 Billion Unbanked People in the World — An Opportunity?\nLet me paint a different picture for you. Traditional banking has still not reached over 2 billion people in the world. That is roughly 25% of the global population, or one in every four people in the world. Most of these people live in the poor and developing nations of Africa and Asia. These people have always had a bitter-sweet relationship with banks. More bitter than sweet, I’d say. These people are not part of the global economy and do not have access to basic financial services. They still use cash for their daily transactions and cannot get loans from banks because of an absent credit history.\n\nOn the other hand, these are the same people who have access to mobile phones and thus, the internet. A case in point — while 80% of adults in Africa have no access to basic banking, 63% use mobile phones and while, on an average, only 27% people in South-East Asia have access to banks, it is the world’s fastest growing internet region. So what does all of this mean? It means that digital players like Facebook and Amazon have better access to this unbanked and un(der)served population than the banks. It means that whoever gets access to these unbanked peoples’ data can design products and services for them.\n\n### MicroMoney — Aggregator of Big Data from the Unbanked Global Population\nAt MicroMoney, we realized the importance of big data pretty early. What started as a micro-finance company has blossomed into a de-centralized open source credit and big data bureau on the blockchain. We started out with a mission to help the unbanked population of the world in the poorest countries get into the financial mainstream by offering them loans and helping them build a robust credit history. As we expanded our footprint and started offering more loans to more and more people, we created an app that gathers 10,000 parameters. We then analyze this big data using our proprietary AI Neural Network Scoring that helps us approve loans in 15 seconds flat. This led us to create an open source credit bureau on the blockchain.\n\nWe provide big data of previously unserved customers. We are the bridge between these people who need services, and businesses who need new customers. This data can also help banks connect with these new customers who now have a credit history that will enable them to take bigger loans from banks to bring their dreams and aspirations into reality.\n\n### The battle ahead\nAs discussed, we have data. It is now the prerogative of either outside players like, say Amazon, or traditional bank to use this data to connect better with customers. We’ve already seen how platforms like Amazon are attacking banks where it hurts the most — by attracting customers away from banks. Banks need to gear up for the battle of the century as they try to snatch their turf back and keep customers loyal to them. Which side leverages big data better is going to be the clear winner. But in this battle the ultimate winner is always going to be the end user — the customer, the attention of whom these players are fighting. If non-traditional players win, we may actually witness a “bankless era.” It will be interesting to watch from the sidelines as two Goliaths battle it out for the ultimate prize.",
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      "body": "Thank you!",
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      "body": "![Formal financial identity from Micromoney.jpg](https://cdn.steemitimages.com/DQmXZ6N6mdEimehtvz4dFqT7TUkoGkG216EJuNscN7PTcJj/Formal%20financial%20identity%20from%20Micromoney.jpg)\n\nMost people have possibly had the experience of going to a retail store and applying for their store credit just to have your application denied. You have a stable job and can prove your income which is not bad at all. You have enough savings in the bank for your needs, so you ask yourself: What’s going on? It turns out that having an eligible profile based on age, income, having a job, for example, is not going to take you very far when you need to apply for credit of any sort. The key is being able to prove you are indeed eligible. This is where your credit history serves as your own formal financial identity.\n\nMicroMoney understands this challenge very well and is solving the difficulties that business owners, entrepreneurs, and people in general have when their financial habits are not properly recorded, resulting in their own credit history.\n\nLet’s step back for a while and think about what has caused this situation. They key to achieving a better formal financial identity lies in understanding its current shortcomings:\n\n#### Informal Databases\nIt is important to understand that unbanked people are not necessarily missing out entirely on accessing loans or other forms of alternative financing. They are still getting these but they are, usually, coming from very informal entities or even individuals. Take for example pay day cash loans from pawn shops. These are very disadvantageous for end-users because they carry huge fees that the shop keeps and in turn the end-user builds absolutely no credit history for their profile in order to unlock better financial options for them in the future. As a matter of fact, the proliferation of informal databases that do not communicate with each other and are not centralized at all can lead to financial records of individuals simply being lost at the moment they move out of town! This is a huge setback that is preventing entrepreneurs and business owners to reach their potentials.\n\nMicroMoney is using blockchain as a powerful database tool to store credit behaviors and record information for all individuals who are interested in building a formal financial identity. With blockchain technology and the user interface for Micromoney’s platform, any lender will be able to do a quick evaluation and find out what an individual’s credit record looks like — allowing them to offer financial solutions ad-hoc to the end-user. This makes Micromoney a powerful ally for end-users and financial services companies to maximize their business relationship.\n\n#### Lack of Standardized Scoring\nFICO is a credit scoring service based in the United States. They provide scoring and predictive analytics to predict what’s likely to happen when a person uses their credit. This is a standard that is much needed in this industry. This is part of the financial awareness that entrepreneurs business owners, and individuals need. It’s just like asking someone to go through a test: before they can get a good score, they should study and prepare.\nOur vision is for end-users to understand what comprises a standard credit score so they can manage it properly. The result is a proper standard credit score that truly reflects an individual’s financial behavior and capacity and leads to an accurate prediction of how this person can reach financial success. We are breaking down these barriers by using our platform to educate and raise financial awareness and bringing financially excluded people to the new global crypto economy.\n\n#### Underdeveloped Regions\nStatistics show that a large number of unbanked individuals are actually in the Asia-Pacific region, which, additionally, is now home to more than half of the world’s internet users, including social media users, and mobile social media users. If anything, what this trend proves is that although most Asian people may be unbanked, they have access to a digital era of services using their smartphones or online platforms for financial transactions. There is a clear opportunity in which these unbanked individuals can benefit from Micromoney’s platform and the fact that it will be available for mobile and internet users anywhere, provided there is an internet connection.\n\nWe are now completing daily milestones in efforts to improve the future for every individual that is currently unbanked.\n\nMicroMoney as an open source credit & big data bureau using blockchain technology is here to serve the billions of unbanked people and to provide much needed solutions for the improvement of life, education, technology and innovation.\n\n### Welcome to the future of formal financial identities powered exclusively by MicroMoney.",
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      "body": "![Why Open Banking needs tech.jpg](https://cdn.steemitimages.com/DQmfSTC25HpocYBdqvHJgzdXWS8Y788YrFGUmfeRLCw8uNF/Why%20Open%20Banking%20needs%20tech.jpg)\n\n#### By Anton Dziatkovskii, Founder of MicroMoney\nOpen banking is the financial service term as a part of financial technology. A system provides the network of financial institution data through the use of application programming interfaces with better APIs. The open banking defines how financial should be assessed, shared and accessed. It helps financial services customers to share their financial data with other financial institutions by replying on networks instead of going to the physical banking branch. The benefits of open banking for customers are easier in transferring funds and comparing products to facilitate each user and provide seamless experiences. Opening banking needs to improve customer banking experience in which they aims to pay lower cost, spend less time, and receive better customer services.\n\nOpen banking is the main service that will be launching in the banking industries. The Payment Service Directive (PSD2) is required to open payment infrastructure to the third parties’ providers. After a long debate that ended in November 2017, the European Banking Authority (EBA) published the final release of the Regulatory Technical Specifications (RTS). RTS is the all payments of actor authorities and obligations. In 2018, financial services industry will go through transferring data that will basically change the payment process of customers. The new direct to account customers by giving and sharing their transactions data with third parties, the EU’s Second Payment Directive (PSD2) and UK implementation of open banking will transform the structure of retail banking. Opening banking will lead to a loss of market share for established players. Nonetheless, opening banking and PSD2 will create opportunities to reduce the payment value chain. The application will be used by clicking at the purchasing options where you can fully control all the money transaction.\n\n#### In the present, technology is advance which can apply the information in different impossible ways.\n\nNew technology operates the main of gravity for traditional core banking systems.\nA blockchain-based approach is a major banking catalyst to open the monolithic and vertically integrated approach to core banking. All elements of transactions management, the integrity of transactions, and messaging are the essential features of the blockchain. Open banking should be identified more than just a technical implementation. The main of open banking sample is to use open source technologies, to set up the third-party developers, and to build financial applications on top of the bank’s living framework. This will concern of becoming the product which the customers incorporate for many bankers, as the banks will be referring to the back seat while third party technology companies are driving the car.\n\nOur MicroMoney technologies can improve unique scoring algorithm base on artificial intelligence and machine learning. Nowadays, the trust conditions of borrowers based on around 10,000 parameters collected which is analyzed from algorithm. In the situation, our Artificial Neural Network system can improve. Customers install the MicroMoney application and we make sign of our customer’s personal data. If they submit, the scoring system can analyze our customer’s contact list, messages, and other relevant behaviors.\n\nThrough our system, we can support micro-loans to unbanked and underbanked accounts without credit history and corporation big data. We can see strong markets from banks, financial institution, e-commerce, insurance and telecom industries to classify big data. Banks use huge budgets to attract and identify customers; moreover, they give credits to their customers as a complimentary to encourage customers paying through the Regular Credit Bureau. Consequently, the cost of loan issue has improved. For MicroMoney, the cost of one reliable borrower has $1 and the bank can buy our credit records using our tokens. We try to understand what new customers need, and then we could help e-commerce and retail to access new customers from our database. Bank can change a person’s credit record to our credit record. It can change parties profit from the transaction. We expect to get high demand for big data and credit records.\n\n**Open banking is perfect.** It runs the way of connectivity through financial services to include loans, mortgages, insurance, pensions, savings, and so on. Instead of financial dealings individually that do not communicate, technologies help various services to reach each other. This affects the whole communities from low to high income purchasers, from sole traders to larger SMEs (Small to Medium Enterprise). Doubts can occur in the way of technologies advance. This is the essential requirements — security is predominant, full customers permit to view, the use of data must be reliable. The General Data Protection Regulations (GDPR) requires banking institutions to protect personal data. GDPR needs to ensure that an individual’s data is reliable, protected; also, it is used for the purpose of improving customer experiences and to enhancing business outcomes. To clearly understand all parties, open discussion should be done to avoid subsequent confusion.\n\n**Doubt can be happen in all different parties if we do not listen and understand each other.** TechUK represents the companies and technologies that are defining today of the world that we will live in tomorrow. More than 950 companies are members of the techUK which majority is small and medium-sized businesses. TechUK is helping members’ growth by devolving markets, providing relationships and networks, reducing record costs and business risks. TechUK works with its members to identify the advance innovation of the key markets to represent the significant opportunities of growth for both domestically and internationally. TechUK can see big opportunities from more information to improve financial services through cooperation and collaboration of incumbent and new players. There will be no winners or losers in this game because if customers and bank institutions work in the same direction and understand the information, everyone can gain the benefits.\n\n#### For 2018 and later, the banks must confront with numerous challenges about regulations, legacy systems, disruptive models and technologies, new competitors and forward customer base; while, pursuing a new opportunities to keep it grow.",
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      "body": "Great news...tnx",
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      "body": "![The delayed revolution in digital financial services.jpg](https://cdn.steemitimages.com/DQmbgmnr6G2NhL58ZDGmM7aTvP1EyaKpAxhGQyMDahqSC5C/The%20delayed%20revolution%20in%20digital%20financial%20services.jpg)\n\n### Together with the advancement in technology, technology can change our environment system, our knowledge, our work and our communication.\n\nNowadays, technology is the essential thing for us. On the other side, modern digital technologies cannot change financial services. The Digital Financial Services (DFS) can increase the delivery of financial services through technologies like mobile phone that enable solutions, electronic money models and digital payments platform. Financial regulators have recognized the DFS that can do financial inclusion and pursue to unlock this potential by creating environments for digital financial services. The digital financial service supports learning efforts and provide ideal platform exchanging knowledge and experiences among regulators.\n\nOpen data is the main point to convert the role of business transactions. Open data is the interoperability of digital information to improve its usability and accessibility. Interoperability is the system to work with other systems, present or future without any restrictions or implementations. Fintech companies and financial institutions should insert an assumption of interoperability and harmonized technical standards in their product and services to reduce friction for consumers and help the underserved and well served alike to connect different function in their financial life. Under the Obama administration it has made open data a cornerstone of its digital government strategy. Open data can give informational portability for customers. Informational portability means customers can share and use their different individual services and products.\n\nCustomers and small businesses become the use of digital online and mobile banking. It is easy to share information to each other. Digital banking gives a forceful, complete set of online and mobile banking tools. It can use all of our devices such as mobile phone, tablet and computer. Customers can pay bills from your tablet, computer or mobile phone. You can just use your email address or your mobile phone number. Customer can do everything with digital banking from their mobile phone or tablet. Improvement in computing power and mobile technology are providing firms with additional opportunities and alternate access to meet the digital demands and realities of a 21st century global economy.\n\nMicroMoney is the professional experienced in working emerging market. We bring our customer to the new global crypto economy. We analyze big data by using our AI Neural Network scoring and this is to obtain a loan approval decision. Customer can borrow money using our app. We provide money to people and we are helping to create digital financial identity, to build creditworthiness and reputation and to start credit history. Our products perform a digital financial identity on blockchain and big data from borrower’s mobile phone. MicroMoney call center helps borrowers to open bank account and install e-wallet on their mobile phones. MicroMoney respects all detail information of consumer and we will never tell our consumer’s information with third parties without their permission.\n\nFintech companies often face doubts from financial regulators like issuing banks and federal government. Data security is another regulator to concern about because of the risk of hacking as well as to protect sensitive customer and corporate financial data. The leading global fintech companies are protectively turning to cloud technology to improve forceful compliance regulations. Marketing is another objection for the fintech companies as they are competing by large competitive. The security is faced by historical bank companies since they do offer internet connected customer services. Leading fintech names include Acorns, Betterment, Digit, Mint, and Wealthfront.\n\nCompanies do the same rules of customer protection and complete providing quality and services. The Consumer Financial Protection Bureau (CFPB) can work by creating tools, answering common questions and help things that consumer need. CFPB create the point of accountability for enforcing federal consumer financial laws and protection consumers in the financial market place. Under the Dodd-Frank Act, the CFPB is required to consider potential cost and benefits of its rule. The CFPB’s rulemaking start with research and it is informed by public input, including field hearings, consumer and industry roundtables, advisory bodies and small business review panels. CFPB protect consumers from liabilities from data sharing. This model already exists for electronic transfer due to measure such as Federal Reserve’s Regulation E and Regulation Z.\n\n### Finally, the digital world and digitalization can change everything. The digital revolution will come to financial services.",
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      "body": "### Anton Dziatkovskii, Founder of MicroMoney, talks about the role of local payments on the way to global success.\n\n![How local payments can unlock the door to global success.jpg](https://cdn.steemitimages.com/DQmYoZnwSWM3KnMAondDNgkoLe6osnWuLQNzXAGvsfSuvNB/How%20local%20payments%20can%20unlock%20the%20door%20to%20global%20success.jpg)\n\nThere are more than 2 billion people in the world who do not have access to bank accounts and bank cards. We launched MicroMoney as a financial institution engaged in microcrediting to solve this issue. That is about local payments.\nToday there are more than 5000 alternative payment systems in the world, including 246 local “currencies”: 102 in Europe and 75 in the US. The following systems are functioning in Brazil, South Africa, Japan and New Zealand.\n\nIn the context of a decline in confidence in the national currencies and banks, people are striving to get a ‘local’ guarantee of wages and access to goods and services. Moreover, local payments today are modern means of mitigating consequences of the economic crisis.\n\nAnd this is better than a simple barter exchange, which generally excludes taxation altogether. Thus, local money stimulates local production.\n\n#### What makes alternative payment methods so popular ?\nFirstly, it is about trust and security. As this article from Trustly shows, in the United Kingdom, 84% of clients trust their banks, and 76% find online banking e-payments as the most secure way to transfer funds. Similarly in Germany, according to the study, 71% of customers said that banks provide a secure online banking service and 70% used online banking e-payments last year.\n\nSecondly, convenience and speed are also among the advantages of local payments. These parameters are increasing, and are driven by technology. Speed plays an important role in this sphere. The implementation of fast local payment methods reduces settlement times from hours to even seconds. What is more important, both merchants and consumers benefit from this.\n\nCross-border shopping is another benefit of alternative payment methods. People buy different goods from online retailers abroad, but when it comes to payments, there are few issues. In order to accept bank payments from consumers in other countries, merchants should integrate with local banks. In addition, not all users have access to bank accounts. At MicroMoney we assist bank clients, microfinance and insurance companies, online services, and retail chains. Financial services for customers not served by banks or without access to banking services, or services for processing large amounts of data for business form the MicroMoney ecosystem.\n\nLast but not least is mobile adoption. Thanks to modern technologies, all users now are able to get access to financial services, which was impossible recently due to the high bureaucracy of banking. That has become possible with MicroMoney. Customers can get instant loans by submitting an on online application on a smartphone. In order to obtain a loan, you do not need to provide collateral or additional documents.\n\n#### The growing importance of local payments and its role in global commerce\nAs the report from WorldPay Global Payment says, over half of online payments will be made using APMs (Alternative Payment Method) by 2021. While PayPal is considered to be the most recognized payment method in the west, Alipay and WeChat Pay are taking the lead in China.\n\nPopularity of local payments varies greatly between countries. While e-wallets are preferred by American citizens, Europeans prefer bank transfers. However Europe is not entirely united. For example, in Germany , credit cards are not so popular among customers. The political component also matters here. For instance, the Italian government has long encouraged citizens to switch from cash to electronic and card payments.\n\nIn order for local payments be more popular and better used, merchants should support prefered payment methods. Providing clients with convenient APMs is essential; the growth in global electronic commerce is largely being driven by cross-border ecommerce. The improvement in logistics has also been an important factor, with companies such as eBay and Amazon make it easier to shop overseas.\n\nLocalized payment methods play a vital role while doing business worldwide. You may have the right product that your target market seeks, but if you’re not offering the consumer’s preferred payment method, you won’t seal the deal. This is particularly true in different markets, like China. Now, only around 5% of all online payments in this market are made with credit cards.\n\n### At MicroMoney, a key goal is to make local payments more accessible for customers. For that, an online-model is being used. It is an easy way to issue and raise money thanks to a well-developed and affordable money transfer system using local payment systems. As a result, all people get access to financial services.",
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      "body": "### Anton Dziatkovskii, Founder of MicroMoney, talks about Big Data 10 top trends in 2018\n\n![Untitled design-51.png](https://cdn.steemitimages.com/DQmay5WdJ9b6ktiBVu9zbTgQexhRbC7jMgPwYaibCo3EVzz/Untitled%20design-51.png)\n\n##### Data is a new black’ for businesses today. Companies that don’t recognize the importance of big data, will delay their development in the nearest future.\nThe research at Forrester showed that 70% of companies were expected to implement AI and Big Data up to 51% in 2017, and in 2018/2019 these numbers will increase.\n\nWhat can we expect in 2018? Here are top 10 predictions for Big Data.\n\n#### Open Source Applications and Big Data\nThe future of Big Data will be dominated by the open source applications like Spark, Apache Hadoop, and others. Forrester Research claims that this tendency is increasing 32.9 percent per year.\n\n#### The Internet of Things (IoT)\nThe Internet of Things (IoT) allows an access to data from various devices. Unsurprisingly, this year promises is to become a revolution in the interconnectedness of smart home technology. With the majority of people in the developed world routinely operating multiple devices, loT attempts to fill the void between data collection and enable communication between different sources.\n\n#### Cloud computing\nBusinesses across the globe have started to use cloud computing for their IT activities. Primarily, many companies are using cloud to run the apps. Predictions shows that this percentage of companies relying on cloud computing will only continue to increase over the next few years. Big data Analytics is another important predicted trend in the IT world that influences not only how the cloud is used, but also addressing the growing demand and providing opportunities for innovation.\n\n#### Machine Learning and AI\nThese technologies are on the spotline, and more companies have begun investing in it. Machine learning as a branch of AI, analyze big data without being explicitly programmed.\n\n#### Chatbots\nThe arrival of messaging apps furthered the development of chatbots. Chatbot is a software program that conducts a communication with a user via textual methods. With a help of chatbots, you can carry out a number of different tasks, such as chatting with users, helping with purchases or pushing social media activities as much as like the famous app or also known as Crowdfire.\n\n#### Predictive Analytics\nBig data helps businesses to get the predictions of future behavior. In few words, predictable analysis brings the opportunity to customers ‘to know their customers’, and consequently maximize the profit and choose the right marketing strategy.\n\n#### Cybersecurity\nThe last and arguably the most important field where changes must occur is cybersecurity. Today we live in two worlds, with the second being played out or inside of our computers. As our lives continue to advance and become digital, the demands for cybersecurity and policing of the Internet will continue to expand.\n\nAs cybersecurity adapts and develops to meet its society’s needs, its demand, function, and role will be forced to evolve due it its security. Anti-piracy companies will help by blocking illegal content, and new technologies will protect our data and computers from attacks, and other kinds of damage.\n\n#### Business Intelligence\nThe companies’ decision-making will be based on big data. Even if it’s a small company, ignoring the importance of data science will lead to regressive management and loss of the profit. The use of Business Intelligence from Cloud will drastically increase. All decisions regarding market growth or expansion into new regions, or markets will be based on Big Data.\n\n#### Big Data Focused Intelligent Apps\nSuch application incorporates Big data Analytics to provide personalization and improved service. AI and Machine learning will be implemented in almost every app.\n\n#### General Data Protection Regulation (GDPR)\nThe EU’s General Data Protection Regulation (GDPR) has already taken an effect; this has got many organizations and companies to ensure they comply with such regulation.\n\nWhen question were asked about the function of Big Data in their respective organizations, about 66 percent of the respondents stated that they took cognizance of it to be either “strategic” or “game-changing”. Only 17 percent stated that big data was nonetheless “experimental” at their companies, and some 17 percent described their efforts as “tactical.”\n\nThese various perspectives on big data make it clear that this is one trend that is not going to fade away anytime quickly.\n\nPredictions were given about the future of big data and what companies would face if they see big data as a strategy. Our company, MicroMoney, uses Big Data to provide our customers with the best service, and banks with the most accurate information to serve customers they couldn’t serve before.\n\nBig Data and analytics will drive modern business operations, and will not certainly reflect their overall performance; corporations will take an encompassing approach to facts and analytics.\n\n### Organizations will create end-to-end architectures that will allow data management and analytics from the center to the edge of the organization; and company executives will make Big Data and analytics as part of their enterprises’ strategy, which shall permit big data professionals to take up new roles and create business growth for corporate excellence.",
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      "body": "@@ -2177,17 +2177,17 @@\n with our\n-%0A\n+ \n customer\n",
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      "body": "### Anton Dziatkovskii, Founder of MicroMoney, talks about the Future of Customer Service Technology.\n![integratingtech.jpg](https://cdn.steemitimages.com/DQmfAC6btSz2bApk8r56Z3AnLvy4ZiMTTeKf94SEiVUSDqM/integratingtech.jpg)\n#### The ongoing changes in the tech area and the emergence of new technologies have created new challenges for the business world. Such ‘smart capabilities’ are impacting customer service and improving such areas as delivery, communication, and service itself. Integrating technologies into customer service and embracing top trends in technology can lead to long-term customer loyalty. FinTech companies and banks are also adopting technological advances to improve their customers’ interactions. \n\nOne of these innovations is well-known - big data, which has an enormous impact on customer experience. Companies collect data about the customer and, based on this data, use this to offer recommendations of its services. Growing integration of the tech sphere into customer service leads to better communication with customers, increased customer engagement, and improved business growth. Data can help an organization do many things, such as understand its customers and analyze their behavior. \n\n### ‘Data is the new black’ for businesses, but what about other technology tools? \n\nCustomer service is actually a communication between the business and the customer. In recent years with the appearance of virtual reality (VR) and augmented reality (AR), this communication has become really memorable for customers. The world is just starting to get into these tech innovations. For example, VR and AR have the capacity to significantly change customer service in the retail sector. \n\nAR is a new term in the technology industry. We’ve heard about it a long time ago, but only now at last we got access to AR technology. AR means that with a help of complicated algorithms, information can be transformed into both animated and static pictures, and then, visualized in reality. AR apps on smartphones have become popular recently, such as Pokemon Go or Snapchat.\n\nBut AR not only entertains us or increases sales - it can change the way we interact with our\ncustomers, as well as bring real value. Imagine, most of the things you want to buy you can try on.  AR technology has spread to various industries, including the beauty and retail industries which are implementing AR to help sell their products. Brands which have already used the AR approach include Burberry, Rimmel and Gap. If you are wanting to buy a new lipstick, AR can help narrow down your choice by allowing you to try on different colors before you buy. The fashion industry is eagerly adopting AR which could soon become a common tool for customer experience, allowing customers to try on products online. \n\nVirtual reality is another emerging technology helping to improve customer service - more commonly being used in travel or real estate sectors. Imagine, you are going to book a hotel somewhere in Cancun, and thanks to VR, you can actually see it from the inside. I believe that VR will help to improve customer service exponentially. \n\nBoth AR and VR are beneficial for customers and businesses. Customers can choose exactly what they wish, and businesses are able to reduce their risks from needing to provide refunds or responding to complaints, and, consequently will improve their customer service.\n\nOther trends in customer support are chatbots and the Internet of Things (IoT). Chatbots can replace customer service agents, while IoT devices play a role of your personal assistant.\n\nAll these technologies are effectively integrated into the customer service of many sectors, with the FinTech industry no exception. Especially big data and AI play an essential role in the financial domain. Banks are already using chatbots, big data, and AI to interact with customers. Metro banks in the UK rely on new cloud platforms. FinTech companies are actually based on big data and AI. MicroMoney uses these technologies to collect necessary information about customers to offer them more suitable services. We want to know our client before we make an offer. \n\n### Integration of technologies into customer service is inevitable and very exciting. Our businesses become bigger, more global, which allows more of an online presence. This also means increased technological resources are required for interaction with customers in a more effective way.  Technology such as AR, VR, AI and big data are more likely to brings us the alternative in communication and the opportunity to choose the right products and services.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://medium.com/@micromoney.io/how-has-the-facebook-scandal-influenced-the-way-we-own-our-data-a243e228abed",
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      "body": "## Anton Dziatkovskii, Founder of MicroMoney, talks about the new rules of data ownership.\n\n![After the Facebook scandal it’s time to base the digital economy on public v private ownership of data.jpg](https://cdn.steemitimages.com/DQmdRWULhKjM44pXJMJpahjqNhuTfXaz8QhvWwvvKBtKDKm/After%20the%20Facebook%20scandal%20it%E2%80%99s%20time%20to%20base%20the%20digital%20economy%20on%20public%20v%20private%20ownership%20of%20data.jpg)\n\nIn the past few months, data ownership has been firmly in the spotlight. After the Facebook–Cambridge Analytica data scandal, there has been much discussion about the ownership of data, its importance, and of course, data protection. It’s evident that the enforcement of General Data Protection Regulation (GDPR) — which became enforceable on 25 May 2018 — has changed the way we will be able to ‘treat’ data, which will have flow on effects for the digital economy.\n\nThe main question is who will own our data? Is it possible to build a global community where we all can benefit from data?\nUntil Marc Zuckerberg stood in front of the Congress to face multiple very public questions related to data protection and data ownership, data wasn’t particularly in a spotlight. Most people when they are filling out forms on social media or registering online, do not think about the security of their personal information, and who will go on to use this data. It feels like everyone knows that their data on social media is accessible, but no one really cares. Why does this happen? So, your data can be taken for marketing/ sales purposes without noticing you, and someone will profit from your own data.\n\n### The GDPR is fighting for your data protection, and you are the one who decides how your data should be used. However, today more discussions are surrounded by the question: ‘who will profit from data?’\n\nIt is possible that we, rather than the people behind social media platforms, could sell our data to third parties and benefit from it. Doing this, we would play the role of ‘data shareholders’, and get revenue for our own data, as companies such as Google and Facebook constantly use it for advertising and marketing purposes. Data is a big asset for companies, and while data-driven giants like Amazon or eBay earn billions thanks to our data, it would be nice to think we could profit from this.\n\nThe European Commission claims that “everyone has the right to the protection of personal data.” Ideally, this would mean that data could be used only for legitimate purposes by authorized companies. Large and small companies have taken the ramifications of the enforcement of the GDPR seriously; no doubt you have received multiple notifications regarding these new regulations. Companies need to show compliance with accountability and individual rights. This means that you are secured in terms of deleting or correcting your personal information, and accountability means that all your rights have documentary evidence.\n\nAs you see, the ownership of data is moving to the hands of the customers and users. And the point is that we can benefit and earn revenue through our own data. The GDPR brings us more autonomy and more opportunities in terms of data. However, there are some pitfalls with these changes in data usage and ownership. While some will start earning from data, others will be spending more on someone’s data. Social media platforms, for example, will pay fees to access data, and if this happens, these platforms can monetize some services or access to information. The data is divided into individual and collective, where citizens should have the right to use it. Another threat, while companies will lose the ownership of the data, the government can take care of it.\n\nBig data plays an essential role for MicroMoney, as we are a decentralized open source credit and big data bureau on the blockchain. We use big data that reflects the needs of our customers and their online behavior. This helps us to share necessary data to banks, e-commerce, and retail businesses, as well as financial institutions to get access to new customers while minimizing the risk.\n\n### The Facebook data scandal has changed the way we treat data forever. We are making a new step to secured data, where people who actually own this data are authorized to give it to third parties. Experts claim that these changes can also bring the opportunity to earn revenue from our own data, so both parties can benefit from it.",
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      "body": "## By Anton Dziatkovskii — Founder of MicroMoney![Machine Learning Managed Services.jpg](https://cdn.steemitimages.com/DQmcQ6TtGguhrRinNsweQDpWsLDN5NWHJec77JQrCuqxPsb/Machine%20Learning%20Managed%20Services.jpg)\n\n### The truth is that Artificial Intelligence (AI) has become one of the leading technologies for businesses.\nIt has led to the development of such innovations as machine learning and the Internet of Things (IoT), with companies or plants struggling to implement these technologies due to a lack of resources, knowledge, and expenses.\n\nOne of the main problems is that even if companies can allocate resources and invest in AI related technologies, they still can’t keep up with the changes in the fast-growing technological sector. MicroMoney has become a decentralized open source credit and big data bureau on the blockchain, and I would like to share my view on how companies can implement these technologies easier.\n\n#### Today, technology play a big role in a company’s atomization of processes and effectiveness. Many companies have moved to the cloud, drastically reducing expenses and making communication within a team easier.\n\nThere is also a considerable need for big data, AI, and machine learning experts on the market. For big enterprises, this is a huge problem as the process of production shouldn’t have limitations and delays. The dearth of qualified big data employees who can develop AI predictive maintenance led to the development of the alternative sources implemented by companies like Google and Amazon.\n\nThe main goal for these companies actually makes AI accessible for a wider audience. It says that Cloud Auto-ML “enables developers with limited machine learning expertise to train high-quality models by leveraging Google’s state of the art transfer learning, and Neural Architecture Search technology.” Amazon Machine Learning includes visualization tools and wizards generating machine learning algorithms, where there is no necessity to learn difficult ML algorithms.\n\n#### Machine learning managed services decrease the need for big data experts\nAI tools are undoubtedly crucial for the company’s operations and provide more options in the market. However, generic machine learning developer tools are not enough to underline the need for IIoT predictive maintenance, and can’t replace big data scientists. The issue is industrial plants and companies can build the in-house machine learning predictive maintenance, which requires deep machine learning expertise and experience with the Software Development Lifecycle (SDLC).\n\nThis is not easy to achieve as there is a lack of big data specialists on the market, and it’s challenging to build such a team in one place. Another option for companies is to buy IIoT predictive maintenance technology, and this is what Google and Amazon suggest. Google Auto-ML and Amazon Machine Learning bring companies the opportunity to access machine learning tools, and there is no need for deep machine learning maintenance.\n\n#### Open source machine learning\nOpen source is a crucial technology in the development of IIoT predictive maintenance software. It’s used by machine learning and AI professionals. Open source signifies computer software with a licensed source code open to the public by its copyright owner. However, Google Auto-ML and Amazon Machine Learning offer generic solutions and use open source.\n\n#### The negative sides and possible threats to machine learning managed services for IIoT predictive maintenance\nSuch tools as Amazon Machine Learning and Auto-ML can be implemented only by highly-qualified big data experts. By cutting down the costs and hiring unqualified professionals, the companies face a high risk of failure. It’s not only about finding a source of ML algorithms but a necessity in the adoption of the new Operations and Maintenance (O&M) processes and other serious commitments. If your company can’t hire data science professionals, use simple algorithms for predictive analytics.\n\n#### MicroMoney uses big data and AI technologies by sharing and exchanging the data we enable financial institutions, banks, retail businesses to efficiently scale. And, consequently, they will get access to new customers and reduce risks while entering new markets.",
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      "body": "## By Anton Dziatkovskii — Founder of MicroMoney\n![From banks to banking - a new era of customer focused innovation in financial services.jpg](https://cdn.steemitimages.com/DQmThJpEsFo5Z3hKKSW4WQTD8EopKNoCMHtpYDcWfksTj7M/From%20banks%20to%20banking%20-%20a%20new%20era%20of%20customer%20focused%20innovation%20in%20financial%20services.jpg)\n\n### Technology-enabled innovations are reshaping every industry, and the financial sector is no exception.\n\nTraditionally cautious banks may now be facing the biggest disruption powered by emerging FinTech companies. These tech-savvy startups leverage the potential of cutting-edge technologies for a more engaging — and personalized — customer experience. MicroMoney, an ambitious FinTech startup, aims to provide global financial inclusion to the unbanked using a sophisticated algorithm for hassle-free loan approval, with no credit history or collateral required.\n\nThe use of the Artificial Intelligence (AI) neural network dramatically reduces time and cuts costs of an otherwise expensive credit risk assessment procedure. The AI-driven scoring algorithm analyzes over 10,000 parameters collected through the applicant’s smartphone and uses machine learning to deliver a loan approval decision in 15 seconds. For the 2 billion underbanked people of the world, today it is an opportunity to get their first credit while building a digital financial identity.\n\nBut AIis just one of the ways in which FinTech innovates the banking sector and helps financial institutions beat off competition by focusing on a customer-centric approach and a personalized experience. What else has FinTech to offer?\n\n#### Diversification of cryptocurrencies\nCryptocurrency brings us a step closer to a cashless world of the future, providing a digital alternative to state-issued fiat currencies. In countries with spiraling inflation people turn to Bitcoin to escape devaluation and reap the benefits of a stateless fraud-proof currency that has been gaining in value for years now.\n\nWith Bitcoin growing in acceptance, a greater number of cryptocurrencies will be picking up steam this year. According to CoinMarketCap, Ethereum, Ripple, Bitcoin Cash are leading the pack together with Bitcoin, but the cryptocurrency market witnesses an explosive growth. For consumers and investors, it means an opportunity to better diversify their cryptocurrency portfolio in order to balance risk more efficiently. While some cryptocurrencies like Litecoin offer four times faster transaction time, others like Ovato help to earn rewards and loyalty points.\n\nBut with so much hype around the crypto market, it still has a lot of maturing to do. Meanwhile, there are a lot of cryptocurrency scams, and users should be cautious as to where they invest their money.\n\n#### Blockchain\nOriginally developed to underpin cryptocurrencies, Blockchain has evolved into a powerful technology that can fundamentally transform business transactions across a variety of industries.\n\nBlockchain is a decentralized digital ledger that enables an encrypted, secure way to transfer digital assets. By removing an intermediary from the equation, Blockchain helps build trust between transacting parties while significantly reducing infrastructure costs and cutting the transaction time down to mere seconds.\n\nTo stay relevant and better serve their customers, banks are starting to adopt the technology — mainly, for cross-border payments. But the use cases are not limited here. Blockchain lends itself well to clearance and settlements, trade finance, securities, loans and credits, regulatory compliance, including ‘Know Your Customer’(KYC) and anti-money laundering practices.\n\n#### API-led connectivity\nFurther support to advancing the customer centricity comes from open banking. The movement is backed by regulations like Payment Services Directive (PSD2) in the EU and the Open Banking Initiative in the UK.\n\nAt its core, open banking requires that banks provide access to their data in a secure environment through APIs. The ownership to financial data is returned to the customers who may choose to share this information with approved financial bodies, other than their bank. This will further enable third-party providers to better understand customers’ needs and develop a range of new personalized and customized offerings.\n\nBy using third-party applications and services on a plug-and-play basis, banks can gain innovative edge and significantly improve experiences for their tech-savvy customer base while also enjoying new revenue streams. Forward thinking banks recognise that to stay competitive in the changing landscape, they need to collaborate with FinTechs that can bring agility, faster time-to-market, and a frictionless user experience.\n\nHere, at MicroMoney, we understand what a customer-centric experience is. We build our open source platform on Blockchain to ensure safety and transparency that fosters trust among our clients. By collecting vast amounts of data and applying sophisticated analytics tools, we provide actionable insights into the customers’ needs and enable businesses to offer the best service possible.\n\n### For financial institutions, e-commerce, retail, and insurance companies worldwide it’s an opportunity to efficiently scale to new markets and provide a more engaging experience.",
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      "body": "### By Anton Dziatkovskii — Founder of MicroMoney\n\n![The future of money.jpg](https://cdn.steemitimages.com/DQmTjyrGh2F244KKXFhtegP92P4tLWo5HPvzr3iNGKWxd5Y/The%20future%20of%20money.jpg)\n\nA well-famous fact, that there are more than 2 billion people in the world, having no bank accounts and bank cards. They are all excluded from the economic relations on regional and global levels, as they still use cash and don‘t have any access to the main financial services. It is rather difficult for them to get credits without any credit history. That is the problem, that the MicroMoney company is urged to resolve.\n\n#### Our company was founded as a financial organization, engaged in giving microcredit. It continues to develop its activity with an intention to turn into a decentralized bureau of credit histories and the center, that can process large volumes of data on blockchain.\n\n\nSince 2015 , we have the opportunity to provide to persons and small enterprises short-term loans with the use of innovative systems of assessment of solvency on the basis of the artificial neural network (ANN). In some time-we will be able to help all 2 billion people, not having bank accounts or access to banking services, to pass an electronic identification of one’s personality and to create the rating of solvency and financial reputation. The system will work out of borders and without intermediaries. Our purpose is to include all the people who aren’t served by banks in a new global decentralized crypto-economic system.\n\nThe statistics of developing countries demonstrates that the major part of the population doesn‘t have any accounts in banks or any access to banking services. At the same time , such countries are characterized by a rather high level of penetration of the Internet and mobile services.\n\n### Can the lack of access to the main financial services be a global problem?\n\nYes, it limits opportunities of people to overcome poverty and improve quality of life. In such case , financial services are also banking services (loans, mortgage loans, bank accounts) access to other services and opportunities. There is a paradox: no credit history — no access to the credits, no credit — no credit history. But still there is a hope that this vicious circle will be defeated.\n\nThe team of professionals has a wide work experience in emerging markets. In the world there are 196 countries, 100 of which are our target market. Who are our potential clients? It is more than 2 billion of people. They aren’t served by banks and can rely only on cash, have no credit stories as well as debt obligations, they also actively use smartphones and Facebook. Their monthly income is about 200–500 US dollars. We believe, that we can provide them an access to the new world of global crypto-economies.\n\nRemember, that smartphones can give us much information about solvency of its owner. Jokes apart! Your smartphone knows you much better, than your best friend. Therefore we have created a mobile application, which helps us to analyze these data with the help of our scoring system, based on neural networks and technology of the artificial intelligence (AI). That is why the application for registration of the credit has been approved in 15 seconds. You can borrow money as simply as you call a taxi. And we constantly work on the improvement of this system.\n\n### Our mission consists of some points. Here they are:\n\n- The solution of questions on overcoming hunger and poverty by granting to persons who aren’t served by banks access to financial services and possibilities of formation of their own credit history based on a blockchain.\n- The help to the businessmen in business development by granting online credits.\n- Granting to banks, financial organization, companies working in the sphere of electronic commerce and retail trade new opportunities on business development and service of customers which earlier had no access to their services.\n- Creation of an extensive ecosystem of microfinance by granting franchises to local partners.\nIncrease in financial literacy among our clients in the way providing consulting services and the training materials.\n- Granting to the companies, working on the base of blockchain technology, opportunities for expansion of their client bases by means of access to our bureau of credit histories.\n- Involvement of the people excluded from traditional financial system in new global crypto-economy.\n\nSpeaking about the access to crediting, we don’t mean service, but real problems which can be solved by means of corresponding tools. Clients will be able to rely on technologies, banks — to trust clients, and clients — to trust banks. All tools, advanced in the market, allow to simplify process of issuance of credits by financial organizations and also to destroy barriers to reach borrowers who don’t have opportunities to use such financial services. Only a few companies nowadays can offer mutually advantageous decision which allows banks to get an access to large volumes of data for a low payment in order to research the market, and to clients — to use all advantages of the financial market without prejudice to confidentiality.\n\nThe decentralized Bureau of credit histories and BigData was created on the basis of Blockchain technology. That is why there is an opportunity to change the procedure of providing financial services in emerging markets, to reduce the cost of service and to provide services on crediting to 2 billion people who aren’t served by banks.\n\nThe access of people to credit tools is a part of their main rights, the same as the rights for education, medical care, creation of own business and an increase in a standard of living.\n\n#### We are proud of being a part of the community which has devoted its work to involvement of 2 billion people in the sphere of financial service. Our ultimate goal is an increase in the standard of living of the population in developing countries.",
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      "body": "![bringingfintech.jpg](https://cdn.steemitimages.com/DQmfBzJzZfQG3Cza6YfmMcxk5Rfo3XfJv1La7YmViGkXCti/bringingfintech.jpg)\n### Ever since Charles Darwin created his law of evolution by natural selection, the definition of progress has not been changed much. As in the past, progress stands for development, not growth. In order to survive, species have to evolve. The same theory works for any economy or market. Today’s panacea for market growth is fintech, especially in case of an insurance market, where “Insurtech” implementation is gaining momentum. MicroMoney thought of a way to make them stand out from the crowd by building its platform on a blockchain.\n\n#### According to Statista – The Statistics Portal – Fintech is being more and more recognized and accepted.\n- Transaction Value in the \"FinTech\" market amounts to US$4,225,551m in 2018.\n- Transaction Value is expected to show an annual growth rate (CAGR 2018-2022) of 17.0% resulting in the total amount of US$7,929,153m in 2022.\n- The market's largest segment is the segment Digital Payments with a total transaction value of US$3,265,209m in 2018.\n- From a global comparison perspective it is shown that the highest transaction value is reached in China (US$1,562,408m in 2018).\n\n![0_GX-YmXpCW4ZCIX6i.png](https://cdn.steemitimages.com/DQmch1pPFtFiby3LryXVZCz1qqQLJ9QMqMsVuKHVoSMqK3A/0_GX-YmXpCW4ZCIX6i.png)\nOn the other hand, the value of capital being invested in insurance technology companies globally is on the rise. The insurance industry has always been very traditional, so these new developments have the potential to dramatically change the industry. The market for underwriting improvements is set to grow by over 60 percent by 2020 (from $110.18 billion in 2016 to $175.44 billion in 2020). The market for claims processing improvements will grow by 64% passing from $44.09 billion to $72.53 billion.\n\nThe rise of InsurTech entails introduction of a multiple number of new tools and technologies that will potentially optimize and revolutionize existing business process and the whole industry. InsurTech has attracted large venture capital investments, and the trend of financing indicates that many start-ups are considered by investors to be commercially viable on a mass-scaled basis. Insurers themselves are making strategic investments in insurance start-ups, allowing them to have a stake in these developments while providing the capital for such enterprises to develop their business.   \n\nAccording to a research published by the Organisation for Economic Co-operation and Development (OECD), the scale of InsurTech investment is growing, and by (re)insurers in particular. As InsurTech start to attract a large number of users/policyholders, and provide an improved customer experience, (re)insurers will likely hope to capitalize on the success of such start-ups by having a stake in them. A number of (re)insurers have created strategic venture capital arms for this purpose, and have been making strategic investments in a number of start-ups.\n\n### Willis Towers Watson elaborated a Pressured Insurance Value Chain:\n![0_K1qaUPkCVP9SUx2W.png](https://cdn.steemitimages.com/DQmVAzpcXG2DkWXHtoAGk2mdN4ZYaTSHHqfJVr7KLH94RAm/0_K1qaUPkCVP9SUx2W.png)\nThose companies that will decide to stay out from InsurTech, with a high probability, will shrink. Micromoney, in turn, enables cost effective entry into the insurance industry for new insurers, getting rid of the barriers of IT investment and management.\n\nAccording to a research released by Venture Scanner, on the date of January 2018, there have been classified 1,422 insurtech startups into 14 categories, which collectively raised $19 billion in funding. Most of the insurtech categories are still in their infancy in terms of their funding and maturity. The Logo Map highlights the number of companies in each category and a random sampling of these companies.\n\n![0_fc0XHoXDDWLK73wQ.jpeg](https://cdn.steemitimages.com/DQmP6mdCJfPhuoduzdLbBYLF9RtEneVYA3NCL4qLZ4a2ftG/0_fc0XHoXDDWLK73wQ.jpeg)\n\nThe problem is that none of these companies can provide transparency, which causes the lack of credibility and trustworthiness. Meanwhile, thanks to implementation of blockchain, MicroMoney can provide smart contracts that enables borrowing in a transparent, conflict-free way while avoiding the services of an intermediary. Smart contract on a blockchain allows insurers to offer personalized products, without regard to the baggage of the legacy systems they are creating in the wake of each new product feature.\n\nMicromoney’s business model, in fact, better addresses the insurability of policyholders by using technology to simplify the contracting process, and tailoring policies to better suit their needs. The rest of companies need to consider whether they can become the platform for some part of the industry, or take advantage of the opportunity to participate in platforms as they emerge. If innovation agendas do not include platforms, not only the innovation team, but also the company, is in a big trouble.\n\n#### One thing's for certain, insurtech will continue to contribute to a progress in financial services, and eventually the insurance sector under pressure will evolve too. With that disruption comes the opportunity to meet the additional challenges of incorporating millions of would be clients into the financial system and provide them with insurance products that have the potential to protect them from the impact of life changing shocks. Today, Micromoney already has a developed product, which guarantee transparency, security, anonymity and quality.",
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      "body": "To the question in your title, my Magic 8-Ball says:<blockquote>My reply is no</blockquote><hr>*Hi! I'm a bot, and this answer was posted automatically. Check [this post out](https://steemit.com/introduceyourself/@magic8ball/introducing-the-magic-8-ball-bot) for more information.*",
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      "body": "![Has Finance finally become cool?.jpg](https://cdn.steemitimages.com/DQmcAhHk3aL77o4dsNiQ6eYtAd9NK3oNNJj8zh6BewPF5Cb/Has%20Finance%20finally%20become%20cool?.jpg)\n## Cryptocurrencies Bring Sexy to Finance\n\nThe cryptocurrencies are essentially apps. And apps are inherently sexy. Because they smooth and easy to use. They are like you saying “I am being lazy today and I am proud of that. I can do whatever, from the couch, from my smartphone.”\n\nI am sure, you remember the advent of iPhone with all those small thingies there.\n\nThis smooth experience is what cryptos is all about. You don’t need to see the tech behind it, you don’t want to weigh different options and read manuals. Today, a lot of Internet users around the globe connect to the Internet via their smartphones. Even if they wanted to, they just don’t have the opportunity to sit in front of the PC and peruse the site with various calculators, descriptions and comparisons.\n\n### Cool means fast\nBecause apps are smooth and easy to deal with, they work fast. You plug in, do the thing you need, done. In 2–3 minutes, you can switch back to listening music and perusing the stuff from the bus/plane/car window.\n\nThat’s why, when we were developing our MicroMoney lending system, we worked hard on making sure that the AI inside and the architecture overall would enable us to deliver the highest speed possible. It takes the system no more than 15 seconds to process the loan application and deliver the final decision.\n\nWe are convinced that this feature alone would bring a snow-balling word of mouth, because it’s inherently cool, convenient and fun to use.\n\n### Cool means cheap\nSexy, beautiful, appealing cryptocurrencies (platforms, apps) are driven by the cultural moods and patterns. These can be different, ergo the world seems to go all glocalization on us at this time.\n\nBut cheap is always cool. Notwithstanding the amounts people have at their accounts, getting something cheap can’t be a bad thing. It’s inherently appealing to anybody, irrespective of their cultural, religious, language of economic background.\n\n### And cheap comes in different forms.\n\nSometimes, it’s the direct costs that people need to pay for obtaining certain services or it’s the comparative costs that help select the package that meets the needs in the most optimal way.\n\nBut, sometimes, it’s indirect. A great example is the huge swaths of unbanked people across developing and emerging markets. To hook up with a local bank brunch, there are loops to jump through — takes time to visit, maybe need to provide some record, maybe need to pay some origination fees. Eventually, both monetary and “in-the-head” costs add up making this absolutely unattainable.\n\nSo, it’s our firm believe that to be truly cool, cryptos need both to cut direct costs that their users need to incur, while also lowering the access barrier by leveraging mobile-focused business models, getting rid of onerous verification systems and any kind of first-time fees.\n\n### Cool means decentralized\nWhen the Internet came to be, people were looking at digitization as the ultimate embodiment of sexyness. These days, it’s not about going digital anymore. It’s about giving the power back to people.\n\nFor instance, borrowers can get some financial rewards for allowing lenders to share the personalised statistical data they generate with other businesses. Patients can get money for taking part in scientific researches by adding supplements to their diets. Or social network users can get some rewards from the social network, if their page is uber-popular and gets a lot of screen-time for the ads plunked on it.\n\nIt can be scary, though, for all of us. Perhaps, because we have been conditioned to try and emulate the very journeys that “Zukerbergs” and “Buffetts” have been taking before us. Now, with the decentralization, social networks, medical institutions and lenders will need to share their revenues with ordinary users, thus axing the salaries of “fat cats” at the top.\n\nBut, notwithstand the scariness of it all, we need to start asking the questions as to how much is enough. Is it OK that the top management in a company like Russian Pepsi branch make $20K a month, while factory workers barely jump up to $1K? Is it OK that the medical producers in US can buy their competitors for a pill and pump its price from $40 up to $40,000 in a couple of years, because they are a monopoly for that pill? Is it OK that there is a lot of people in Cambodia, Myanmar, Vietnam, Thailand, Malaysia and Micronesia that would immensely win from cheap and easy-to-get lending, but no bank wants to “soil their hand” in dealing with undeserving clientele?\n\n#### It’s not. At least, this is what we believe in.\n\nThus, by asking these questions and finding the right answers, the decentralization-powered businesses will bring a creative-destruction wave that will cut costs, saturate the markets with the services they need and, eventually, improve the well-being on this planet.\n\n#### And that’s exactly what we’re trying to do in MicroMoney. And that’s totally cool.",
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