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Fintechnews.sg – Top 9 Wealthtech Startups in Singapore and Hong Kong


 

 

“Top 9 Wealthtech Startups in Singapore and Hong Kong”

By Fintechnews.sg, 23/12/2016

Over the last years, the growth of fintech has gained significant momentum globally, attracting US$19.1 billion in investment in 2015 alone. In Asia, fintech funding reached an all-time high, quadrupling 2014 total with US$4.54 billion in investment across 130 deals, according to a report by CB Insights and KPMG.

While corporates in more mature regions of the world typically see fintech companies as a disruptor to traditional banking, in Asia, there is a much broader focus on fintech as an enabler for existing companies to extend their market share and to gain customers among the unbanked and underbanked populations.

Fintech is spurring innovation that is disrupting traditional banking and wealth management. Today, we take a look at some of the region’s hottest wealth tech startups and disruptors.

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HKTDC Hong Kong Means Business – Fintech Future

 

 

 

“If the markets are down, you may need to make a higher contribution for a few months to meet your goal, and we can let clients know by sending them a text. Instead of handing out a fact sheet about what the fund is doing, we’re focusing on user’s goals and whether they’re going to reach them.”

Quantifeed CCO, John Robson

“Fintech Future”

By HKTDC, 13/12/2016

Online banking platform Quantifeed provides digital wealth solutions to financial institutions targeting middle-income customers. Delivering its platforms on a white label basis, it has worked with clients in Hong Kong, the Chinese mainland, Taiwan, Singapore and Australia. Focused on growing the company in Asia, the Hong Kong-based firm is looking to establish offices in Taiwan and Singapore and already has a presence in Sydney, says Chief Commercial Officer John Robson.

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The Proof is in the Pudding – Baking Thematic Indices

When cooking a meal, great importance is placed on the right ingredients. It’s not much different with index construction. Here too, the right stocks make the difference. At Quantifeed, we are transparent about our index design. In this article, we discuss some of our recipes.

Currently, some of the investment strategies most in-demand have a thematic approach at their core. Thematic indices offer exposure to a certain economic, social or technology trend. Examples are the rising use of social media or the increasing pressure on global potable water supplies.

Our index design process starts with research.  What defines the theme and what are its economic drivers are some of the questions we ask. Next, we aim to identify stocks that are impacted by the factors central to the theme and to decide how to weigh these stocks.

Take the example of the water theme: the strategy comprises companies that are likely to gain in business and value in an environment of increasing water scarcity. The increasing shortage of potable water is a development which plays out over decades. The companies involved in helping to alleviate water scarcity are dispersed over many sectors. To identify relevant companies, we look at the general company profile, as well as specific business revenue segments. Companies active in areas such as water supply networks, water treatment and purification, flow control, measurement and diagnostics technology are considered for the strategy. We also devise a mechanism to exclude companies which should not be in the index. For example, some energy and electrical utility companies do report revenue from water- linked activities, but their share price is driven by factors outside the theme.

Importantly, the process described above is governed entirely by rules and doesn’t require any judgement. We are confident that it systematically selects a relevant group of stocks. Our methodology selects companies that derive more than 90% of their revenue from at least one business segment relevant to the water theme. The index is diversified across sectors, from utilities to industrial companies and health technology.

Our index design integrates with the digital capabilities of our online platform. Because users trade the individual securities comprising an index, an important aspect of design is the tradability of stocks. The number of index components and their weights are other important variables. To improve diversification, we equally weigh our indices or user factors such as volatility or dividend yield. Interestingly, the application of such weighting methods often leads to outperformance and improved risk/return characteristics relative to a traditional market-cap weighted index.

As a further point of differentiation, our online platform allows users the flexibility to adapt the index to their own requirements, for example to facilitate a very low investment amount across a reduced number of stocks. Our platform can generate these changes automatically, or enable the user to modify the index composition by eliminating or adjusting the trading order before submission for execution.

Our strategies are based on themes and factors, such as income or growth, or even dynamic models. Sometimes, we mix things up and combine different approaches to achieve a whole new strategy profile. But that’s the topic of another newsletter.

 

FST Media Leadership Insights – AI in robo-advice is coming, but just not yet

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“While AI promises to change the future of investing, the robo-advisor industry isn’t quite there yet in terms of integrating this new technology into its investment models. In fact, it may not do so for a while.”

“AI in robo-advice is coming, but just not yet, Alex Ypsilanti, Chief Executive Officer, Quantifeed”

Published by FST Media, 21/11/2016

Could artificial intelligence, AI, outperform humans when it comes to investing? This is a question on the minds of many in the finance sector right now. But while AI promises to change the future of investing, the robo-advisor industry isn’t quite there yet in terms of integrating this new technology into its investment models. In fact, it may not do so for a while.

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Industry Moves – Q&A with Quantifeed’s Senior Exec for Strategic Partnerships

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“Rather than disrupting, we see Fintech as enabling wealth management solutions. It allows financial institutions to enhance engagement with clients through a digital investing experience, accessible anywhere, anytime and on any device.” Quantifeed Senior Executive for Strategic Partnerships Australia, Graeme Brant

“Q&A with Quantifeed’s Senior Exec for Strategic Partnerships”

By Industry Moves, 10/11/2016

In his new role with Hong Kong-based fintech firm Quantifeed, Graeme Brant is charged with building strategic relationships with Australian financial institutions. He tells Industry Moves about his goals and growth plans for the region, and what makes Quantifeed’s offerings unique. He also names the man who taught him the importance of hard work, why he prefers the term ‘enable’ over ‘disrupt’, and shares a lesson in never taking nature for granted.

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A Digital Roadmap to Reaching Life Goals

I always found jogging dull. But a little app on my phone has changed that. It is called “Zombies, run!” and simulates a pack of hungry zombies chasing me during my run through the deep dark forest. The app creates a whole new experience: I find jogging much more engaging – and I also run a bit faster.

What virtual zombies can do for a runner, digital wealth management might be able to do for the mass affluent that lack personal advice. Creating an engaging and stimulating experience, and accompanying the customer through her investment journey.

A good example of how such a piece of technology can help is when considering the process of investing in life goals. Customers often save for specific near-term or long-term goals. We all save for retirement. In addition, some people might save for a holiday, a car or a home. Education, too, can be a worthwhile goal saving for. There are many examples.

Digital wealth management can offer a tool to the customer to understand the funding needs and time horizon of her financial ambition. However, simply putting money into a savings account might not accumulate enough money to reach the goals within the desired timeframe – especially in times of record low interest rates. We cannot save ourselves to prosperity, we need to invest. But how?

Common wisdom recommends more equity at the beginning of the period and a gradual shift into bonds towards the target date – without much more specifics than that. However, technology takes a step further and specifically quantifies the optimal asset mix and the risk of not reaching the goal (shortfall risk). While sophisticated Monte-Carlo simulations run in the background, the customer is guided through a friendly and engaging user interface to intuitively understand the dynamics involved in asset accumulation through investing.

Once parameters, like initial and monthly contribution and goal horizon, have been decided on, the plan is put into action seamlessly. At the push of a button the customer can make an initial investment on the same platform. And that is not the end of the story.

Interaction takes place over time: once an initial investment is made, and regular contributions are made, the customer can check her progress. What if a few payments are missed, or what if markets drop sharply? The goal-based investment tool may present the customer with different options on how to get back on track. Be it higher contributions, a longer time horizon, or an investment with a higher risk/return profile. Again, changes to the allocation can be implemented directly on the platform. This interaction is an experience, and a journey that a financial institution can take with its client towards a financial goal.

Of course, a human advisor can interact and offer good advice too. But he cannot scale across hundreds of thousands of clients with accounts too small to warrant a sustainable relationship. A human could not provide the appropriate level of attention to each customer, and react in time when change is necessary. Only a digital wealth management platform provides the stability needed for an ongoing profitable relationship. A prospective customer with the intention to invest in a life goal represents an opportunity for the financial institution to successfully convert a banking relationship into a long-term wealth management relationship. A relationship that can be profitable for both parties.

To learn more about how goal-based investing can enhance the wealth management experience of your customers, contact sales@quantifeed.com.

Fintechnews.hk – Top 12 Fintech Startups in Hong Kong

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“Top 12 Fintech Startups in Hong Kong”

By Fintech News Hong Kong, 04/11/2016

Hong Kong’s long-established financial center, burgeoning startup scene and developed business center connecting Mainland China with global markets, have made the location one of the world’s top fintech hubs in world.

Today, we take a look at some of Hong Kong’s hottest fintech startups.

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Money Management – Quantifeed makes HK and Australian appointments

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“Quantifeed makes HK and Australian appointments”

By Staff Writer, 2/11/2016

Hong Kong-based digital wealth management solutions provider, Quantifeed, has announced a number of senior appointments in both Hong Kong and Australia, including chief operating officer and chief financial officer, as part of a regional expansion.

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CFO Innovation – Quantifeed Appoints Audrey Wong as COO and CFO

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“Quantifeed Appoints Audrey Wong as COO and CFO”

By CFO Innovation Asia Staff Writer, 01/11/2016

Quantifeed, a provider of digital wealth management solutions in Asia Pacific, has appointed Audrey Wong in the combined role of Chief Operating Officer and Chief Financial Officer, alongside several other key senior hires in Hong Kong and Australia.

The Hong Kong based company is moving ahead with regional expansion after announcing successful completion of a US$4.5 million Series A round in July.

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