Digital private investing and lending ecosystem
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Crowdfunding, p2p lending and other online investing models are not a platform that makes some match making, it is to build a larger ecosystem that follows local and global laws and regulations and meet the needs of different of kind of investors and assets. It is not only for crowd, but also for institutional investors, family offices and funds. Data and research are also an important part of that.
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Digital private investing and lending ecosystem
- 1. Digital Investing and Lending Ecosystem Jouko Ahvenainen Future of Finance Seminars – Washington D.C. & New York Grow VC Group ++ www.growvc.com ++ @growvc ++ MARKETS – ASSETS – CROWD ++ Copyrights © Grow VC Group 2015
- 2. Finance and Services Infrastructure Consulting & Professional Services Grow VC Group ++ Hong Kong - London - New York - San Francisco - Milan The Grow VC Group is a worldwide pioneer and leader in the crowd investing, peer-to-peer and digital finance market.
- 4. How is the landscape? • Some opinions have been that there will be one global pla3orm to dominate the market, like Facebook, or at least like eBay • The reality: • There is and will be strong finance (local and global) regulaAon to this market, starAng from KYC/AML to required informaAon and traceable transacAons • There are different kinds of investors from supporters with $100 to insAtuAonal investors with $100M • There are many types of securiAes and asset classes and investment vehicles and models • It is not only the regulaAon, but also investment policies, due diligence requirements and legal responsibiliAes • More and more exisAng finance insAtuAons want to use online models and processes • This is not only about startups, this is about all kinds of securiAes and assets • It is fundamental to think and build the ecosystem, not only try to make one killer app
- 5. Think about the digital ad ecosystem
- 6. And build a real digital investing and lending ecosystem Issuers Investors Investor Side Pla3orms or Dashboards Digital Market Places Issuer Side Pla3orms or Dashboards Data, Research & Services Back Office Services P2P lending Startup crowdfunding SME funding Real Estate Crowd pla3orms Family offices InsAtuAonal Investors Automated Funds Equity offer Borrow request Investment vehicles Directory services Source: Grow Advisors market analysis, growadvisors.com
- 7. • The Challenge: • The world’s largest and deepest market is very fragmented. • It’s too difficult for investors to find companies, and vice versa. • 3% of Accredited Investors participate. • New finance regulation (JOBS Act) and other new rules will greatly increase the size of the world’s largest market. $905B Friends & Family Venture Capital Reg D $75B$23B Executive Summary This is US only, but the phenomenon is global It is the largest market in the world
- 8. Platforms for many assets and investment models Source: Crowd Valley, Inc., crowdvalley.com
- 9. Data becomes a powerful tool Source: Deal Index Ltd., dealindex.co
- 10. Digital finance services with their clear focus Source: Trade Up Capital Fund, Inc., tradeupfund.com
- 11. • No one can build this ecosystem alone and have credibility to play all roles • Extremely important to get new digital pla3orms to work with exisAng investors, financial insAtuAons and professional services (e.g. research, analysts and underwriAng) • Digital services can cut out unnecessary middle-‐men (e.g. those whose posiAon has been to be a gatekeeper to informaAon, deals and investors), but it sAll requires top level value added services to help all parAes and bring credibility to the market • The winners in this market focus to do their own part very well according to laws and regulaAon and partner with other similar actors Grow VC Group is a part of this but important for everyone to partner
- 12. Build an open and networked ecosystem Issuers Investors Investor Side Pla3orms or Services Digital Market Places Issuer Side Pla3orms or Services Data, Research & Services Back Office Services Source: Grow Advisors market analysis, growadvisors.com
- 13. Jouko Ahvenainen jouko@growvc.com +1 646 363 6664 (US) +44 7889 833 165 (UK) Grow VC Group growvc.com Grow VC in Twitter, FB and LI MARKETS ASSETS CROWD