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.

1. Digital Investing and Lending Ecosystem
Jouko Ahvenainen
Washington D.C. & New York, October 27 & 28, 2014
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. 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

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. It is many assets and many models globally
Source: Crowd Valley, Inc.

9. • 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

10. Grow VC Group components
Issuers
Investors
Investor
Side
Pla3orms
or
Dashboards
Digital
Market
Places
Issuer
Side
Pla3orms
or
Dashboards
Data,
Research
&
Services
Back
Office
Services
Source: Grow Advisors market analysis

11. 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