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Fintech Platforms | Selfindeal | personal loan | car loan | home loan

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Financial technology, also known as FinTech, is an industry composed of companies that use new technology and innovation with available resources in order to compete in the marketplace of traditional financial institutions and intermediaries in the delivery of financial services. Financial technology companies consist of both start-ups and established financial and technology companies trying to replace or enhance the usage of financial services of incumbent companies.
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Fintech Platforms | Selfindeal | personal loan | car loan | home loan

  1. 1. FinTech Platforms Financial technology, also known as FinTech, is an industry composed of companies that use new technology and innovation with available resources in order to compete in the marketplace of traditional financial institutions and intermediaries in the delivery of financial services. Financial technology companies consist of both start-ups and established financial and technology companies trying to replace or enhance the usage of financial services of incumbent companies.
  2. 2. Definition and key areas • The National Digital Research Centre in Dublin, Ireland, defines financial technology as "innovation in financial services", adding that "the term has started to be used for broader applications of technology in the space – to front- end consumer products, to new entrants competing with existing players, and even to new paradigms such as Bit coin" or more generically speaking, Block chain. Irene Aldridge and Steve Krawciw note several areas of Fintech proliferation, including automation of insurance, trading and risk management, just to name a few.
  3. 3. • Looked at from a procedural perspective, the term 'FinTech' refers to new applications, processes, products or business models in the financial services industry, composed of one or more complementary financial services and provided as an end-to-end process via the Internet. The services may originate from various independent service providers including at least one licensed bank or insurance. The interconnection is enabled through open APIs and supported by regulations such as the European Payment Services Directive. These solutions can be differentiated into at least five areas.
  4. 4. • The banking and insurance sectors are distinguished as potential business sectors. Solutions for the insurance industry are often more specifically named “selfindeal". • The solution with regards to their supported business processes such as financial information, payments, investments, financing, advisory and cross-process support. An example is mobile payment solutions. • The targeted customer segment distinguishes between retail, private and corporate banking as well as life and non-life insurance. An example is telematics-based insurance that calculates the fees based on customer behaviour in the area of non-life insurance. • The interaction form can either be business-to-business (B2B), business-to-consumer (B2C) or consumer-to-consumer (C2C). An example is a social trading solutions for C2C. • The solutions vary with regard to their market position. Some, for example, provide complementary services such as personal finance management systems, others focus on competitive solutions such as e.g. peer-to-peer lending.
  5. 5. Suite #15, 3rd Floor, Work Square, Orbit Terraces, Opp. Kamala mills, Lower Parel West, Mumbai 400013. +91 99875 00031 connect@selfindeal.com

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