Category Archive : General

How the FinTech Industry Can Benefit from AI and ML Lead

Recent surveys show that 19% of companies established a data culture. This trend can’t go past FinTech — the collective concept of software connected to banking and finances as this industry is driven by numbers, data, and predictions. So, what will the introduction of artificial intelligence and machine learning bring to the industry?

What Is FinTech?

As mentioned before, FinTech is all software and technological solutions that in some way work with money and finances. Its goal is to make various operations with money more easily accessible, safer, or automated for both regular people and businesses of different scales. The examples of FinTech are:

  • banking apps
  • home budgeting assistants
  • crypto exchanges
  • digital short-term loans
  • algorithms for credit and insurance scoring
  • crowdfunding platforms

FinTech reshapes traditional financial services and competes with them, providing faster and more nimble solutions. Most successful startups in this field aim to provide fresh solutions for old needs, like transferring small amounts of money between people, and subsequently stealing the audience from traditional financial institutions that satisfy those needs in old ways.

Artificial Intelligence and Machine Learning

Though they sound like two separate entities, one is actually a subdivision of another. Artificial intelligence is a sub-division of computer sciences that study algorithms that mimic the process of human thinking and are called to solve problems typically solved by people. Programs that fall under this category can utilize special methods to react to inputs, learn from previous experience, and make decisions. Examples of AI tech are voice assistants (Alexa, Siri, etc.), self-driving cars, and spam filters.

Machine Learning is one of AI’s programming approaches. Instead of designing a specific algorithm for each given task in ML, a program “learns” the correct way to solve it through many iterations of trial and error. One of ML implementations, neural networks, are widely used for such tasks as pattern recognition. This specific field is very useful for FinTech as noticing trends is crucial for risk assessment, stock trading, and more.

How FinTech Benefits from AI and ML

AI/ML solutions can replace routine human labor and make it much faster as well as mine large amounts of historic data for useful insights. Here is exactly how it’s going to improve FinTech solutions:

  • Time-saving: once a machine learns to do a human job, it can perform it multiple times faster.
  • Lowering operation costs: replacing human labor with computer programs saves lots of money that can be spent on R&D
  • Always available: machines don’t have sick leaves and lunch breaks; they are always here when needed.
  • Enhancing human workers: with the help of AI solutions, employees can do their work faster and better and come up with unorthodox decisions more often.
  • Improving customer experience: AI can analyze hundreds of thousands of app and web user interactions to find fields for improvement. Also, robotized customer support assistants can take over at night time or during busy hours.
  • Fraud protection: much like spam filters, fintech ML can find patterns that correspond with suspicious activity and alert managers or take actions on their own.

To see real cases of implementing such technologies, see this article: https://agilie.com/blog/ml-ai-and-fintech-how-maching-learning-and-artificial-intelligence-help-you-benefit.

FinTech Companies Using AI/ML

More FinTech companies turn to AI each year, and there are already some big names among them. They include Intel Capital (Intel’s venture capital division), Numerai hedge fund, Core Scientific blockchain hosting, Riskified anti-fraud solutions for e-commerce, and much more.

Conclusion

AI and ML are a logical development not just for FinTech but for IT as a whole. They help drastically reduce operational costs while giving each customer a better user experience through a personalized approach. If you want to find out more about the role of AI in FinTech, check this article: https://agilie.com/blog/ml-ai-and-fintech-how-maching-learning-and-artificial-intelligence-help-you-benefit.

Roshtein Instagram and Other Social Networks — Concise Guide

Roshtein Instagram and Other Social Networks Roshtein is a very comprehensive yukon gold casino streamer. You can of course find it on all the games available. The Swedish streamer is particularly a fan of slot machines, you can find him for example on

  • Rise of Merlin
  • Money Train 2
  • Dog House
  • Rosh immortality Cube or
  • Legacy Of Dead.

For live casino games Roshtein is particularly fond of Crazy Time but plays very little other games (Very little Black Jack for Roshy). Keep posted on the most recent streams using the Roshtein Twitter Roshtein twitter account. In all the disciplines that you can know there are geniuses, essential personalities. Basketball had Michael Jordan, Football Ronaldo, and the online casino had Roshtein. You can’t think of slot machines or gambling without thinking of Roshtein. This gambler of Swedish origin is very discreet about his past. Indeed it is almost impossible to find information on his previous life before the streaming, even his age is still unclear. But when it comes to online slots and Twitch, Roshtein was born in 2014, when their account was created. But it will not be until 2016 that the future famous Roshtein will begin to do online casino sessions on the Roshtein Twitch platform.

Roshtein, an Innovative Casino Streamer

Ishmael Swartz aka Roshtein stream has a career that has made more than one dream. It all started on February 15, 2016. His first live casino on the Twitch platform from his hometown Stockholm. At that time there were very few gambling streamers on the American platform, and Rosh quickly managed to stand out from the rest. Little by little, Roshtein sees its community increase and becomes essential. In 2017, he decided to settle in Malta, and you can now watch the Roshtein stream from there. Despite moments of fatigue that will sometimes force our favorite streamer to take breaks away from Twitch, he has gradually exploded every conceivable score in online casino streaming. Roshtein Twitter and Twitch It is now, with staggering statistics, on top of the world in terms of casino streaming. Unmatched, and still unmatched, Roshtein has become an icon and a role model for many gamblers around the world.

Roshtein Twitch

A true showman since the first hour, the Swedish streamer is at the origin of many concepts such as the bonus hunt, which you can now see everywhere on Twitch.

How to find your dream job

Job search is a time of change, and also a very important time for the development of your personality. Use this time to rethink your goals, find out what you really want, what exactly you do best and what you definitely want and don’t want to do. It is best to read literature of interest, develop additional skills, and then the work that you will find will be the work of your dreams.

For find perfect job need to use different ways and must not scared for try something new.

You can use different sources, we recommend:

1. Job search engine – this is the most practical place to search. There are a lot of such sites on the internet, you can use Jooble – there are most vacancies here (we can say that almost all vacancies from the Internet are collected). You can always take advantage of many other job search sites and even post your resume on these resources so that employers can find you themselves. We also recommend that you subscribe to daily or weekly job postings upon your request.
2. Company sites – If you already know which company you want to work in, then go to the website of the company you want in the sections “Work with us” or “Career”, usually they place vacancies there. Choose and communicate with the employer directly.
3. Employment service – there are always vacancies. It is necessary to register, get suitable offers and make a choice.
4.People you know – quite a working option. Ask your friends and acquaintances, maybe companies, where they work, need new employees. Perhaps this is what will help you get a job.
5. Social networks – on your page write that you are in searching of work and perhaps those you know will recommend this or that vacancy yourself, word of mouth will work. You can always find groups with vacancies at the request of “vacancy” or “job”
6. Newspapers are no longer the most relevant option, but still it works. Newspapers or magazines with advertisements publish a ton of vacancies. Usually, these vacancies are for workers, but it’s also very realistic to select offers for office workers.
Always use as many sources as possible to find the desired job, and you are sure to find a dream job.

What is Merchant Cash Advance for Businesses?

With the advance cash to the merchant, a financial company makes a loan advance of his working capital in exchange for a percentage of his daily sales through credit cards. This can be a quick and easy way to get investment capital without the need for a guarantee – even if you do not have an excellent credit history. Then these financial companies advertise this MCA offer and get Merchant Cash Advance Leads by getting the services of lead generation

Who qualifies for a Cash Advance to the Merchant?

If you have little or no collateral, a limited business history or a low credit rating, advances in cash to the merchant could be a solution to your financial problems.

Additionally…

For businesses that receive a large part of their payments by credit card. For example, if you own a restaurant or a retail store, you can use the cash advance to the merchant as a short-term financing tool. This can be useful for working capital, inventory replenishment, payment of debts, unexpected expenses and more.

How to request for Merchant Cash Advance?

Requesting a merchant cash advance is a quick and easy process. Since your advances are paid with your daily sales by credit card, financial company will analyze the states of your card to make sure you have enough volume of entry to your business.

You can fill out applications online or with one of representatives, and applications can be approved the same day they are requested.

Financing of different types of businesses

Although each organization has different types of requirements, they all have something in common, the need to obtain financing to expand. From bars and nightclubs to construction and transportation companies, MCA companies have the proven track record achieved by HR & Payroll Software, staff and resources needed to help your business succeed.

  • Construction and Contractors
  • Gas stations
  • Insurance Agencies
  • Kiosks
  • Administrative property
  • Real Estate Agents
  • Personnel Training Companies
  • Travel agencies
  • Trucking
  • Mobile phones / Accessories
  • Home Based Business
  • And much more!

Requirements to obtain the Financial Analysis Certification (CFA)

In the financial scenario, the role of financial analysts as executors of the best statistical valuation practices to prevent risks and give the best investment recommendations to their clients stands out. However, in such a competitive world, constant preparation is vital, and the Financial Analysis Certification Program ( CFA: Chartered Financial Analyst ) administered by the CFA Institute of the United States, is the highest standard of professionalization in this regard, and requires a series of ethical and professional requirements on the part of the applicants :

  1. The applicant must be a professional committed to their field of study and exercise
  2. Must possess a progressive personality that advocates innovation and constant learning
  3. It will be essential that you have a university degree
  4. You will need to approve the three levels of Certification by using CFA study material
  5. As well as verify at least four years of relevant professional experience in the field according to the guidelines stipulated by the CFA Institute
  6. You must be part of the local CFA Association
  7. And exercise according to the CFA code of ethics

Certification requires the approval of three exams focused on the study of tools and methods to improve investment practices, assess assets and establish strategies for the management of fixed income, variables or financial derivatives, among other topics.

Once endorsed by the CFA Institute , the professional acquires a superior curricular level in the sector, is part of a network of financial investors of global level, as well as a continuous training program in which the CFA Institute , in collaboration with the involved local entities, promote courses, conferences and work of specialization and constant updating.

Therefore, any professional involved in the financial field who seeks to develop optimally, should consider applying to the aforementioned program, but not before preparing in a relevant manner with a Diploma in preparation for the CFA level 1 exam. Designed to cover ten elementary topics in the specialization of financial analysts in the first level of the CFA through a teaching-learning methodology adaptable to the needs of students which in turn promotes self-taught techniques:

  • Professional and ethical standards

Global system of ethical and professional behavior in the field of investments.

  • Quantitative methods

Basic concepts of the methods and their diverse applications and formulas.

  • Economy

Analysis of supply and demand, study of market structures, business cycles, exchange rates, and currency flows and international trade.

  • Financial analysis and reports

Emphasis on international standards of the system of financial reports, global operations, debts and taxes.

  • Corporate finance

Focus on financial issues within organizations.

  • Portfolio management

Strategies for the successful management of financial portfolios.

  • Capital investment

Types of equity securities and measurements of the share portfolio.

  • Fixed rent

Topics on security in fixed income investment, as well as portfolio reference.

  • Derivatives

Theory about future markets and the current options for analysis and investment tasks.

  • Alternative investments

Real estate, private capital and basic products.

What factors influence mortgage rates?

What factors influence mortgage rates actually? The mortgage rates which homeowners have to pay at German banks have reached a very low level. The reason for this is primarily the low interest rate, which is still at a historic low of only 0.5%. You can check the mortgage rates on Todays Mortgage Rates website.

In some cases, customers only have to pay interest of less than two percent, although it should be noted that there are various influencing factors that ultimately determine the respective interest rate. It is therefore by no means the case that every borrower can expect an extremely favorable interest rate, but it depends on various aspects, which mortgage rate the respective bank ultimately sets.

The existing equity as a significant factor

If banks offer mortgage rates below two percent today, then in most cases they automatically assume that the client can contribute a certain amount of equity to the financing. In a full financing, in which the borrower so the entire amount required in the form of a bank loan has to raise, there are only rarely such very favorable interest rates. Many banks require an equity ratio between 15 and 25 percent if the customer wants to have a very favorable mortgage rate. The reason is that mortgage lending with existing equity is considered by banks to be more stable than when fully funded. The differences between full financing and equity financing can amount to between 0.5 and 1.5 percent at the interest rate.

The credit rating also affects mortgage rates

In addition to the existing equity, creditworthiness is also an important factor influencing the amount of mortgage interest payable. The Bank derives the creditworthiness of the bank primarily from the entries in the SCHUFA as well as from the existing income. Those who achieve clean SCHUFA information and average or above-average income are considered by the banks to be extremely creditworthy in terms of creditworthiness.

If, on the other hand, there is still little freely disposable income or even a negative entry in the SCHUFA, almost all banks demand a significantly higher interest rate to compensate for the increased risk, if a construction loan is ever granted. Ultimately, there can be a difference of up to two percent between a customer with a good credit rating and a rather mediocre credit rating in terms of the amount of mortgage interest payable.

Fixed interest rate or variable interest rate on construction loan

The type of interest rate also has a significant impact on the level of mortgage rates. The type of interest rate formation primarily means whether the customer decides on a variable interest rate or a fixed interest rate. Of course, with the mortgage rates currently very low, most banks would have liked the client to choose a variable interest rate, which could then be adjusted for rate hikes. For the customer, of course, it is currently much more advantageous to opt for the longest possible fixed interest rate.

Therefore, the current situation is that you get the cheapest mortgage rates with a variable interest rate, while the interest rates get higher, the longer the client wants to have them fixed. Thus, for example, for a home loan with a fixed interest rate of five years , the borrower pays an interest rate of, for example, 2.2 percent, while the same bank would require an interest rate of, for example, 3.5 percent for a fixed interest rate over 15 years.

So for all home builders looking to take out a mortgage loan in the near future, it is important to know what factors can affect mortgage rates.

Hurry Buy the Most Beneficial Car Insurance Plans Today

Car insurance is one of the most crucial decisions that a car owner has to make. While most people tend to put in a lot of thoughts  when purchasing the car of their dreams, they seldom find the time to put in a similar amount of thought for car insurance.

It’s easy to underestimate a simple policy document and how it can save you thousands of rupees in the upcoming years in car repair cost. But car repair isn’t the only aspect of a motor insurance policy. The Indian Government has made it mandatory for all motor-vehicle owners to have third-party liability insurance, which is why your car insurance is more than just protection against repair costs.

Why Is It Necessary to Get a Car insurance?

Car insurance provides coverage in three different ways – third-party liability, car repair costs, and personal accident. The best car insurance plans have these three sections which make car insurance indispensable.

#1 Third party liability

In an insurance policy, the insurer is the first party, while the insured is the second party. As a result, anybody other than these two parties is considered as the third party. This coverage extends to drivers, fare-paying passengers, non-fare paying passengers, pillion riders, etc. In case of an accident, this coverage helps provide compensation for costs suffered by the third-party.

#2 Car repair

In case of an accident, the car needs to be repaired and the costs resulting from the repair is usually paid by the owner in the absence of insurance. However, if you have motor insurance, you would not need to pay the entire sum and in some cases, you would not need to pay any amount. The entire sum of the repair is borne by the insurance.

#3 Personal accident

Now, thanks to third-party liability and car repair cost coverage, a major portion of your costs are covered. But there still remains the issue of injury to the owner and costs culminating out of treatment for the same which needs to be insured. A personal accident cover does exactly that, providing compensation for the treatment of any injury sustained by the car owner.

Points to Remember before Choosing Your Car insurance Plan

Choosing a car insurance plan can be tricky since most people do not understand how to wade through the murky waters. It can be confusing to decide which option suits you the best among tens of motor insurance policies available today. So, here are a few tips that’ll keep you on the right track.

#1 Choose a comprehensive package

As mentioned in the above section, the best car insurance plans are those which have all three coverages included namely third-party liability, car repair costs, and personal accident. Such plans are generally called comprehensive packages since they provide wholesome coverage for the most important eventualities. Taking a basic coverage might save you money on the premiums, but end up costing much more in the long-run.

#2 Add on covers

Apart from personal accident, there are other kinds of coverage options available. Although not as crucial, these are still significant for a car owner. These are called add-on covers and can be opted for an extra premium. There is a range of options including cashless hospitalization, personal baggage cover, and zero depreciation cover. While you can choose these covers depending on your need, the zero depreciation cover should be one of the must-haves.

Generally, insurance companies adjust the cost of the car by deducting the depreciation on the car (higher the age of the car, higher the depreciation). With a zero depreciation cover, repair costs will not need to be depreciated any longer, saving your hard-earned money.

#3 Exclusion list

One of the key points to note during your research should be the exclusion list. This generally varies across insurance companies and provides an insight into the various situations which are not covered by the policy. For example, some companies do not offer coverage to non-owner drivers, while some do not pay for repair costs culminating from natural disasters.

#4 Compare quotes

As a final point for your research, it’s essential to directly compare car insurance quotes from the various providers. To accomplish this, you can use sites such as Coverfox.com which allows you to compare features, covers, and quotes from car insurance providers at the click of a button. Just fill in your requirements and watch it make your decision easier.

Conclusion

As a result, you should put in as much thought in purchasing appropriate car insurance as you do for purchasing your car. While it might not be as attractive as picking out your new ride, it will save you thousands of rupees the next time you head to the repair shop.

Why a Mortgage Broker Helps Arrange the Right Mortgage

If you are in the process of arranging a mortgage and finding the entire process quite daunting, you might want to turn to the professionals in the trade who are able to give qualified advice. By relying on the services of the mortgage broker you will likely find that signing up to the most desirable mortgage can be a quite straightforward process. Here are some of the major reasons for relying on the services of the mortgage adviser -Getting proper adviceOne of the major reasons for making contact with the mortgage broker is that you will be able to get qualified advice on the most suitable mortgage to match your specific circumstances. They will be able to discuss your financial circumstances and give guidance on the total value that you might be able to borrow for the home purchase. If this is a first home purchase, a mortgage broker will also be able to give complete guidance on the many different types of mortgages available, and can explain the various repayment methods that are involved with the home loans.

Access to a broad selection of dealsIf you use one of the independent brokers you will have access to a very large pool of mortgages products. They will be able to scour the entire mortgage market to establish the very best deal to match the needs. It often benefits if you are able to use the services of the independent mortgage brokers, and not the tied or broker only services, since they are more restricted in the mortgage deals that can be accessed.In need of specific requirementsIf you are searching for a mortgage deal and the requirements aren’t quite the norm, like those that are related to the sub-prime sector or buy-to-let market, then it might be more difficult to arrange a mortgage direct with the lenders. For the more nonstandard mortgage requirements, it often benefits if you are able to rely on the services of the broker in order to help with arranging a mortgage to match the particular needs.

More flexible approach to arranging the home loanIf you work the more unsociable work hours you might find that it can be difficult to make an appointment with a bank during the normal 9 to 5 work hours. But if you want more flexibility in the way that the mortgage advice is given, you might find that a broker is able to work the more relaxed hours, such as those into the evenings and weekends. Since a broker might be more determined to gain the business, they are likely to put in more effort to get it.

Commercial Mortgage Lenders – Helping You Fulfill Your Business Dreams

You can picture it all so clearly. You have the perfect idea, whether it be to open your own business or to expand on an existing one. You have everything figured out down to the last detail, have your business plan in hand, and even have the location picked out for your new venture. There is just one little problem. You come to realize that with your wonderful, seemingly faultless plan comes a glitch – not enough money. Where do you get the money to execute your dream? Is there a fairy godmother for people like you to help fulfill your wishes? Just when all seems hopeless, in walk the commercial mortgage lenders to save the day!Realistically, all kidding aside, these loan officers will not show up wearing wings and a pink tutu. They will not have a magic wand they can wave to instantly make your wishes come true. What they can do is assist you in obtaining your business expansion goals. They will not show up in a cloud of fairy dust, but you can find them at special banks, credit unions, and mortgage companies.

Before visiting one of these companies, you need to consider the answers to several questions which will surely be asked of you. The first question you must think about is your financial stability. Ask yourself if you are fully prepared to undertake the debt involved in a business mortgage. Be sure to carefully review your records in order to be best prepared. Also consider how much money you will need to borrow.Another consideration is the risk involved in the plans you have set for your venture. If the risk is too great, some lenders either not lend money or will do so at higher interest rates. Study marketing research that pertains to your goals.The length of time you want have the mortgage is another aspect to consider. Not only will this determine how long you will be paying back the loan, but it can also set the amount of money the bank is willing to lend to you.After gathering all the required information, sit down with your loan adviser and tell him or her about the vision you have for your company. Present all data that has been collected. Ask about loan options available to you which will work best for you and your business. Discuss thoroughly each avenue which you may take until you both have a clear understanding of what course of action is needed.

After this meeting of the minds has occurred, listen carefully to the lender as he or she quotes the different interest rates, fees, and terms. Be sure to ask if your existing business must be used as collateral. Most loans of this type do require this to bring the risk of loaning out money to business owners.Careful planning, data collection, and thorough understanding can help to make your business goals a reality when working with commercial mortgage lenders [http://www.philwipermortgages.ca/about-commercial-mortgage-financing]. If they can assist in fulfilling your dreams and wishes, perhaps they are fairy godmothers after all.

How Can a Mortgage Broker Help You

What is a Mortgage Broker? Basically they are the same as any kind of brokers. They are the intermediaries between the banks and the consumers. Mortgage brokers are still relatively new in Singapore and Malaysia. Here, they are also known as Mortgage Consultants or Mortgage Advisers. Different mortgage brokers have different working styles. Some merely help you to finance your property while they themselves know nothing much about mortgages. Some will monitor the mortgage market and help you to seek for the lowest interest rate. Some will analyze both the market and your financial commitment, so as to determine the right package for you.

Mortgage Brokers are paid by the banks if they managed to help you secure your funding. If a mortgage broker asks you to pay an upfront fee to him, please kindly discuss with him on the fee structure before committing to the service. Banks pay different commission to these mortgage brokers. Some of them might try to get you to obtain financing from a particular bank, not because of lower interest but because he will be able to get a higher fee. A good mortgage broker knows the industry well, and even if the clients faces litigation problems or want to seek refinancing even though he is jobless, the broker can still steer him to the right bank. A good mortgage broker can also polish up a client’s application when there is a bit of credit problem. In the present real estate industry in Singapore, the numbers of mortgage brokers are still relatively few.People normally look towards their house brokers for advice on bank loans. A house broker is still a house broker. They may be the experts in helping you to sell or buy a house, and they are experts because they spend a lot of time doing this. However they may not know much about mortgages at all. Housing agents often work with only one or two banks. They normally call up the mortgage bank officer and ask him or her to attend to you instead.

One plus point about working with a mortgage broker is this: Imagine you walking into the bank for a mortgage advice. The mortgage specialist tries to close the deal by pressurizing you to sign up for the loan. A mortgage broker is different as he goes through your unique financial situation with you, and work with you to obtain the most appropriate financing..