Grow VC Group presentation in Tel Aviv and Oulu about changes in the finance sector: crowdfunding, crowd investing, p2p lending and payment solutions.

1. Internet and mobile change the whole finance sector
Tel Aviv & Oulu
June, 2014 –Jouko Ahvenainen
Grow VC Group ++
www.growvc.com ++
@growvc ++
MARKETS – ASSETS – CROWD ++
Copyrights © Grow VC Group 2014

2. Finance and Services Infrastructure Consulting &
Professional Services
Grow VC Group ++
Copyrights © Grow VC Group 2014
Hong Kong - London - New York - San Francisco - Sao Paolo
The Grow VC Group is a worldwide pioneer and leader in the crowd investing,
peer-to-peer and online investment market.

4. Copyrights © Grow VC Group 2014
Internet has been a distribution channel ++

5. Executive Summary
Finance middle men have made a lot of money ++
Internet will change the finance sector: make the value chain
more effective, get rid of middle men and decrease costs

6. • 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
The NEW
Reg D
$75b$23b
Executive Summary
This is US only, but the same situation globally
US Private Security Market ++

7. Copyrights © Grow VC Group 2014
Three big things for finance ++
1. Crowdfunding and similar market places enable effective investment
and lending models for all kind of investors, companies and assets
2. Market places enable new co-investment and co-lending models, i.e.
get many kind of investors and investment models to work together
3. ‘Platforms’ can also ‘automated’ a fund, i.e. investors don’t always
have to pay for fund management fees, when a platform with investment
criteria and co-investing models can do the same (a kind of index fund)
Do we need banks to transfer money?
What is the role of investment banks in the future?
Why we pay for brokers, if we can find deals ourselves?
Are all fund managers value for money or
could we automate their work?

8. Copyrights © Grow VC Group 2014
Create a new effective finance retail market ++
Crowd
investing
Market
Place
P2P
Lending
Companies /
Assets
Market Places Investors / resources

9. Late Stage
32%
Public
Markets
23%
Startups
13%
Real Estate
9%
P2P
Finance
9%
Energy
9%
Business
Lending
3%
Not-For-Profit
1%
Other
1%
2014 new finance platforms
(source Crowd Valley Inc.)
Crowd funding and online investing platforms ++

15. FINANCE GOES TO THE
INTERNET AND IT COMES TO
YOUR MOBILE
These were just some examples of new
services in the finance sector
There are much more opportunities to
create new finance services and startups

16. Jouko Ahvenainen
jouko@growvc.com
+1 646 363 6664 (US)
+44 7889 833 165 (UK)
Grow VC Group ++
www.growvc.com ++
@growvc ++
Slideshare: Grow VC
MARKETS
ASSETS
CROWD