Poster printing sales – Cyrank http://cyrank.net/ Fri, 05 Aug 2022 11:01:24 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://cyrank.net/wp-content/uploads/2021/10/icon-42-120x120.png Poster printing sales – Cyrank http://cyrank.net/ 32 32 7 most concerning stocks to watch in August https://cyrank.net/7-most-concerning-stocks-to-watch-in-august/ Fri, 05 Aug 2022 11:01:24 +0000 https://cyrank.net/7-most-concerning-stocks-to-watch-in-august/ Shares had a dismal 2022 overall, but the market showed signs of life in July, posting the best returns of any month since November 2021. But even as stocks are poised to exit a market Bearish, a rising tide doesn’t necessarily lift all boats. Check it out: Our 2022 Small Business SpotlightLearn: 7 things you […]]]>

Shares had a dismal 2022 overall, but the market showed signs of life in July, posting the best returns of any month since November 2021. But even as stocks are poised to exit a market Bearish, a rising tide doesn’t necessarily lift all boats.

Check it out: Our 2022 Small Business Spotlight
Learn: 7 things you should never do when planning your retirement

Some stocks that have fallen on hard times are still not ready to rebound, while others that have recently received negative news may still fall.

Here is a list of seven of the most worrying stocks to watch in Augustas well as an explanation of why investing in these may not be the best value for money at the moment.

Teladoc Health (TDOC)

  • Share price as of August 4, 2022: $37.46

Teladoc Health has taken an absolute beating in 2022, down about 58% year-to-date to Aug. 4. At recent prices, the former pandemic darling is down 87% from its 2021 all-time high of $294.54. .

At these levels, the stock has perhaps unsurprisingly garnered some interest among bargain hunters, who believe that any stock down to this point is “value”. While that may indeed be the case over the long term, the stock’s short-term outlook is decidedly negative.

In April, the stock took a huge loss and cut its outlook for the full year, and shares fell almost 50% in response. Things weren’t much better in July, when the company announced another outsized loss, cut its forward estimates and suffered a 20% stock drop.

On August 2, two Wall Street analysts lowered their ratings on the stock, expressing concerns about the company’s short-term performance. While the stock may still have some long-term legs, stocks should probably be avoided in August.

Take our poll : Do you tip for service?

Stressed businessman feeling hopeless in crisis stock market, investment concept.  image bank

Mercury General Corporation (MCY)

  • Share price as of August 4, 2022: $32.42

Under-tracked stocks like Mercury General are often high-risk, high-reward games. If things go well, analysts and investors could flock to the stock, pushing prices up quickly. But if the company is underperforming and remains under the radar, there is no buying pressure to increase the stock.

Mercury General is trailed by a single Wall Street analyst, who carries a “sell” rating on the stock. Since Wall Street is inherently bullish and reluctant to price a stock below “neutral” or “market performance,” to have its sole analyst proclaim that investors should sell stocks is a bold statement.

On August 2, Mercury General cut its dividend by 50%, citing “difficult business conditions” and “extraordinarily high rates of inflation.” For now, it seems like a good bet to stay away from insurer stocks.

Entrance facade of the Gamestop video game store in a mall with sign, photographed in San Jose, California on Boxing Day.

GameStop (GME)

  • Share price as of August 4, 2022: $38.36

GameStop was the very definition of a “meme store” before anyone knew what it meant. Shares of the company have soared to glorious heights in 2021 as investors piled into stocks based on stock market bulletin board recommendations. Between buying herds and a massive price cut, stocks jumped 400% in a single week at the end of January 2021.

While there are still some rabid believers out there, the meme stock phenomenon has essentially died down in mid-2022. After the frenzy at the start of 2021, equities have essentially stalled over the past year, although to their credit they have avoided most of the carnage the global market has suffered in 2022. seems to be waiting for its next event rally, but that makes GameStop’s stock a speculation, not an investment.

Woodinville, WA / USA - circa April 2020: Low angle view of the exterior of an AMC movie theater on a sunny day.

AMC Entertainment (AMC)

  • Share price as of August 4, 2022: $18.66

AMC Entertainment was another stock that powerfully benefited from the meme stock trend of 2021, but it looks like the company’s future prospects are finally resonating with investors. Shares of the cinema chain are down about 33% year-to-date, and analysts believe they need to fall further.

All six analysts covering the stock have an “underperform” consensus on the stock and a 12-month price target of $5.67, nearly 70% below current levels. The negative outlook and stock volatility make the company a potential powder keg for investors.

Santa Clara, USA - March 26, 2012: Intel Headquarters in Silicon Valley.

Intel (INTC)

  • Share price as of August 4, 2022: $35.66

In most market environments, Intel is a great investment. However, the company is in deep trouble in 2022. On July 28, the company recorded its biggest failure since 1999, with revenue falling 22%, missing consensus estimates by 14%.

Additionally, the company slashed its forward earnings estimates, citing delayed PC refresh cycles. Baird analysts downgraded the company, citing additional issues with the supply chain and changing consumer habits. Overall, it looks like Intel has some significant near-term issues to overcome before resuming its growth trends, making stocks easy to avoid for now.

Banner on the New York Stock Exchange marking the IPO of Snap Inc.

Snap (SNAP)

  • Share price as of August 4, 2022: $10.25

Snap shares are down an incredible 78% year-to-date and closer to 86% over the past year. Much like with Teladoc Health, these types of declines will no doubt generate buyer support from investors looking for “value”, but those looking for short-term results may want to look elsewhere.

On July 21, the company announced its weakest ever sales growth, in addition to slowing hiring and declining to offer forecasts. Snap reported that rising inflation and the possibility of an economic recession caused customers to cut advertising spending, which hurt the company’s revenue.

Shares of the company may eventually bottom, but when and where is just speculation at this point.

3D Twitter Logo 3D Rendered Image Illustration.

Twitter (TWTR)

  • Share price as of August 4, 2022: $41.06

Twitter is another stock that could well be a long-term winner, but in its current situation it is best avoided by most investors.

In May, controversial Tesla CEO Elon Musk announced that he would buy Twitter for $54.20 per share, which at the time represented a 38% premium to the current share price. In July, however, Musk said he would walk away from the deal. This could create a huge legal distraction for Twitter, with day-to-day sentiment driving market share up or down.

On July 22, Twitter reported a loss of $270 million for its June quarter, citing a drop in advertising driven by the uncertain economy and distractions caused by Musk’s takeover bid. Since these two factors always affect the company, it may be best for investors to take a wait-and-see approach with stocks.

More from GOBankingRates

This article originally appeared on
GOBankingRates.com:
7 most concerning stocks to watch in August

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Auxmoney raises over $500m to boost P2P lending https://cyrank.net/auxmoney-raises-over-500m-to-boost-p2p-lending/ Wed, 03 Aug 2022 18:52:13 +0000 https://cyrank.net/auxmoney-raises-over-500m-to-boost-p2p-lending/ German digital peer-to-peer lending platform Auxmoney has raised nearly $508 million in funding from investors that it will use to offer more consumer loans. According to a Technology Funding News Report Returning investor Citi and French-American asset management firm Natix led Auxomoney’s fundraising on Wednesday (August 3). The company has raised $3.64 billion in investor […]]]>

German digital peer-to-peer lending platform Auxmoney has raised nearly $508 million in funding from investors that it will use to offer more consumer loans.

According to a Technology Funding News Report Returning investor Citi and French-American asset management firm Natix led Auxomoney’s fundraising on Wednesday (August 3). The company has raised $3.64 billion in investor funding since its inception.

“With two renowned financial institutions providing large-scale funding, this agreement underscores the deep investor confidence in Auxmoney and the appeal of digital lending as an asset class, even in a more volatile market environment,” said Auxmoney’s chief financial officer, Daniel Drummer, in the report. “This funding commitment further reinforces Auxmoney’s excellent reputation as a technology platform for institutional investors.”

Auxmoney was founded in Düsseldorf in 2007 by Raffael Johnen, Philip Kamp and Philipp Kriependorf. It provides a peer-to-peer lending market, said to be the largest in its space in Europe. The company uses scoring technology based on digital data and advances in artificial intelligence (AI).

“We are on a mission to promote and improve financial inclusion,” Auxmoney CEO Raffael Johnen said in the report. “Through these additional strategic partnerships, we will enable more people from all credit backgrounds to borrow at competitive rates, which in the current macroeconomic environment is more important than ever.

“Our proprietary rating and underwriting technology allows us to continually improve our offering. It’s great that more and more strong partners are supporting our mission and driving financial inclusion with us,” he said.

Related: 76% of German convenience seekers are interested in using great apps to manage interpersonal communications

In Germany, a significant number of consumers identified as having a convenience-seeking personality (76%) said they were interested in using great apps to manage interactions with family, friends or romantic partners , one of 11 areas of their lives consumers would like to see integrated into a super app, according to “The Super App Shift: How Consumers Want To Save, Shop And Spend In The Connected Economy.”

The report, released in conjunction with PayPal, was based on a survey of nearly 10,000 consumers in Australia, Germany, the UK and the US.

Overall, German consumers tend to be more skeptical of a super app than any other country surveyed. Data shows that only a quarter of consumers nationwide believe the benefits of a super app are worth the risk of revealing their personal information, for example.

For all PYMNTS EMEA coverage, subscribe daily EMEA Newsletter.

——————————

NEW PYMNTS SURVEY FINDS 3 IN 4 CONSUMERS HAVING HIGH DEMAND FOR SUPER APPS

About: Results from PYMNTS’ new study, “The Super App Shift: How Consumers Want To Save, Shop And Spend In The Connected Economy,” a collaboration with PayPal, analyzed responses from 9,904 consumers in Australia, Germany, UK and USA. and showed strong demand for one super multi-functional app rather than using dozens of individual apps.

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Can’t pay your bills because of inflation? This might be the best way to borrow https://cyrank.net/cant-pay-your-bills-because-of-inflation-this-might-be-the-best-way-to-borrow/ Wed, 27 Jul 2022 12:00:47 +0000 https://cyrank.net/cant-pay-your-bills-because-of-inflation-this-might-be-the-best-way-to-borrow/ Image source: Getty Images Getting the right type of loan is important in today’s borrowing environment. Key points Many people are falling behind on their bills due to the skyrocketing cost of living. If you need to borrow money, choosing the right loan products is important. It’s no secret that inflation is wreaking havoc on […]]]>

Image source: Getty Images

Getting the right type of loan is important in today’s borrowing environment.


Key points

  • Many people are falling behind on their bills due to the skyrocketing cost of living.
  • If you need to borrow money, choosing the right loan products is important.

It’s no secret that inflation is wreaking havoc on households across the country. And it can hit those living paycheck to paycheck with no savings money exceptionally hard.

Unfortunately, we could live for many more months with an exorbitant cost of living. And if you’re struggling to meet your expenses, you may be resigned to having to borrow money to avoid falling behind on your bills.

But you don’t just want to take out an old loan. On the contrary, at present there are two loan products in particular that are a safer bet than others.

It pays to prioritize personal loans and home equity loans

A personal loan is an unsecured loan that allows you to borrow money for any purpose. A home equity loan, on the other hand, is a loan secured by your home itself and can also be used for any purpose.

Both loans can be fairly easy to get if you’re a strong prospective borrower – for example, if you have good credit and no red flags on your credit report. And if you have a lot of equity in your home, it may be especially easy for you to get approved to borrow on it.

When you take out a personal loan or a home equity loan, you’ll usually get a much lower interest rate on the amount you borrow than what a credit card company would charge you. But there’s another reason these two loan products make so much sense right now: they come with fixed interest rates.

Other borrowing products, such as credit cards and HELOCs (home equity lines of credit), have variable interest rates. This means that your monthly payments could increase over time.

Right now, it’s especially important to sign a fixed-rate loan because the Federal Reserve has been raising interest rates all year, and it’s likely to continue to do so in an effort to slow the pace of the economy. ‘inflation. This means it’s a dangerous time to owe money under a variable rate product like a credit card or HELOC. But if you lock in a personal loan or home equity loan now, you’ll have the stability of knowing what payments you need to make throughout your repayment period.

Should we favor a personal loan over a mortgage or vice versa?

If you have the option of borrowing through a personal loan or a home equity loan, your best bet is to compare the interest rates and closing costs of the two products and see which one ends up being the better deal. Keep in mind that because personal loans aren’t secured by a specific asset (like a house), these lenders assume some risk. And so you may end up with higher interest on a personal loan than on a home equity loan.

But at the end of the day, it’s a good idea to shop around and get all the facts before making your choice. This will put you in the best position to borrow in the most affordable way possible.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

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In your debt: 3 times the debt can be a useful tool https://cyrank.net/in-your-debt-3-times-the-debt-can-be-a-useful-tool/ Fri, 22 Jul 2022 21:28:19 +0000 https://cyrank.net/in-your-debt-3-times-the-debt-can-be-a-useful-tool/ By SARA RATHNER NerdWalletIn some corners of the personal finance advice world, getting into debt is about the worst thing you can do. And yes, some forms of debt, especially those that charge high interest rates, can keep you locked in a cycle of debt for years.Still, there are times when getting into debt serves […]]]>

By SARA RATHNER NerdWallet
In some corners of the personal finance advice world, getting into debt is about the worst thing you can do. And yes, some forms of debt, especially those that charge high interest rates, can keep you locked in a cycle of debt for years.
Still, there are times when getting into debt serves a purpose in your overall financial picture. Debt isn’t always bad, although there is always a risk of having it in over your head. It’s simply a tool you can use to afford a very large purchase without depleting your savings.
“I think it’s so important that people aren’t afraid of debt, but rather see it as something you can use to your advantage,” says Kara Duckworth, certified financial planner and chief executive of the customer experience at Mercer Advisors.
Here are some examples of where the ability to borrow money can be useful.
FOR SOMETHING THAT CAN GO UP IN VALUE
Debt is often categorized as good or bad, depending on why you’re borrowing money and how much interest you’ll pay.
“Good debt can help you move forward in your career and in your life,” says Mark Reyes, Certified Financial Planner and Senior Director of Financial Aid at Financial Services App Albert. “On the other hand, bad debts can prevent you from achieving your goals.”
Mortgages are often cited as an example of good debt, since a house can appreciate in value. “It’s not a bad debt to have; it’s going to put a roof over your head,” says Bill Hampton, Certified Financial Education Instructor and CEO of Hampton Tax and Financial Services in Atlanta. Of course, borrowing more than you can afford or not understanding the terms of the loan can lead to financial risk.
Student loans are another generally recognized example of good debt, since your education can increase your lifetime earning potential. According to Hampton, “You’re going to be in debt for a number of years, but it will get you a better paying job. But if your middle finger doesn’t support your debt, it could hold you back.
TO FINANCE A MAJOR PURCHASE
Now let’s move on to bad debt: credit cards. Not only do they charge high interest rates, but you can continue shopping even if you still owe money from previous months. It’s easy to end up with a balance that keeps growing, no matter how hard you try to reduce it.
However, some credit cards offer interest-free promotions that you can use for a large purchase. These promotions allow you to spread a cost over several months, often 12 months or more, depending on the card. Make sure your budget allows you to pay it back within the promotional timeframe, before interest arises.
If you have existing debt, balance transfer cards allow you to transfer that debt and pay no interest for months. But as always, make sure you understand the terms of the card you’re using – you’ll likely pay a transfer fee and the interest rate will go up once the promotion ends.
Once you own a home, borrowing against its value in the form of a home equity loan or a home equity line of credit — or HELOC — can free up money for home renovations. Homeowners can choose to do this instead of putting renovation costs on a credit card that charges a higher interest rate.
“Depending on how much equity someone has and depending on their specific situation, it might be better to leverage that rather than a credit card or personal loan,” Reyes says. “It’s kind of the lesser of two evils.”
TO AVOID UNEXPECTED COSTS
You’ve heard the lecture before. You need to have emergency savings. But that’s the problem with emergencies – they happen randomly, and sometimes simultaneously, whether you were able to save money or not.
These are the times when you may need to make the best less optimal decision, which may mean going into debt. HELOCs and personal loans can be a low-interest way to borrow money to cover an emergency, but credit cards can also serve as a source of emergency funding.
If an emergency expense lands you in credit card debt, Hampton recommends making a plan to pay off that balance in a few paychecks. You can also take other steps to reduce the cost of your debt, such as transferring the debt to a balance transfer card or seeing if your credit card company will meet you halfway.
“Consider calling your credit card company and try to negotiate a lower interest rate than what you’re being charged,” Reyes says. “It’s not always successful and it’s not likely, but it’s worth it.”
This column was provided to The Associated Press by personal finance website NerdWallet. Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @SaraKRathner.
RELATED LINK:
NerdWallet: Good Debt vs. Bad Debt: Know the Difference
https://bit.ly/nerdwallet-good-debt-vs-bad-debt

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Major U.S. banks see loan growth slow as outlook for demand and economy darkens https://cyrank.net/major-u-s-banks-see-loan-growth-slow-as-outlook-for-demand-and-economy-darkens/ Mon, 18 Jul 2022 10:09:00 +0000 https://cyrank.net/major-u-s-banks-see-loan-growth-slow-as-outlook-for-demand-and-economy-darkens/ NEW YORK, July 18 (Reuters) – U.S. bank executives expressed optimism about loan growth as demand for consumer and corporate borrowing rebounded in the second quarter from pandemic lows, but warned that demand could weaken later this year if the deteriorating economic outlook begins to hurt consumer confidence. Analysts and investors are closely watching loan […]]]>

NEW YORK, July 18 (Reuters) – U.S. bank executives expressed optimism about loan growth as demand for consumer and corporate borrowing rebounded in the second quarter from pandemic lows, but warned that demand could weaken later this year if the deteriorating economic outlook begins to hurt consumer confidence.

Analysts and investors are closely watching loan growth, a key driver of bank revenues, after extraordinary government stimulus measures during the COVID-19 pandemic dampened business and consumer appetite for bank borrowing.

As the economy recovered from the pandemic, loan demand began to recover in the first quarter, driven by consumer spending and businesses that inflated their inventories. This trend continued into the second quarter, despite aggressive interest rate hikes by the US Federal Reserve that raised fears of recession.

Join now for FREE unlimited access to Reuters.com

JPMorgan Chase & Co and Wells Fargo & Co, two of the largest U.S. lenders, said their loan portfolios grew in the second quarter by 7% and 8.4%, respectively, from a year ago, with little signs of deterioration in credit quality.

During second-quarter earnings calls on Thursday, executives at JPMorgan – the nation’s biggest lender – said they expected lending to grow by a mid-to-high figure this year.

This growth and the Fed’s rate hikes have been good news for banks, increasing net interest income, the difference between interest earned on loans and paid on deposits.

Citigroup, for example, said the gross loan yield rose for five consecutive quarters to 5.81% in the second quarter.

“2Q22 results so far reinforce our positive view,” Wells Fargo analysts wrote, citing strong credit quality, loan growth and a 10% quarter-over-quarter increase in revenue. net of interest. They said commercial loans are showing the best growth in 14 years.

Wells Fargo, JPMorgan and Citigroup (CN) all said corporate clients borrowed more in the second quarter, often to cover higher costs created by soaring inflation. JPMorgan, for example, saw strong growth in business and industrial loans, which increased by 6% thanks to increased use of revolving facilities and the opening of new accounts, while commercial real estate loans increased by 3 %.

Citigroup said lending from its institutional client group rose 3%, with executives noting that part of the increase was due to increased market volatility caused by the conflict in Ukraine.

“We are seeing an increase in lending as our clients have been less inclined to obtain funding through the debt markets given recent swings,” Citi CEO Jane Fraser told analysts.

Kenneth Leon, research director, industry and equities at CFRA Research, said he expects commercial loan growth to be flat in the second half, while consumer loans are likely to decline given the risk of recession, even if it was only shallow.

As a slump in mortgage lending due to rising rates weighed on consumer loan portfolios, credit card lending rose significantly, with JPMorgan and Wells Fargo both reporting a jump of 17 %.

Average loans for Citi’s personal banking and wealth management division, which includes cards, were up about 4% from a year ago.

Bank executives said credit quality remained very high, but warned inflation was likely to dampen consumer spending.

“I don’t think what we saw in the second quarter will continue to happen at the same pace,” Wells Fargo chief financial officer Mike Santomassimo told analysts.

Morgan Stanley said its lending grew by $7 billion year-over-year, driven primarily by wealth management clients taking out mortgages or loans secured by their investments.

But even among those well-heeled customers, borrowing is expected to decline as rates rise, making mortgages more expensive and crashing markets reduce the value of equity investments, the bank’s chief financial officer said. , Sharon Yeshaya. Read more

“We really haven’t seen any major cracks yet when it comes to consumer health,” Leon said. “The credit quality is still very good but it will probably collapse next year.”

Join now for FREE unlimited access to Reuters.com

Reporting by Elizabeth Dilts Marshall; edited by Michelle Price and Nick Zieminski

Our standards: The Thomson Reuters Trust Principles.

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73% of Global Alternative Finance Market Growth will come from APAC, Market Representation, Actual Estimates, Historical Data, Forecast Period 2021-2025 with Dominating Sectors and Country Data https://cyrank.net/73-of-global-alternative-finance-market-growth-will-come-from-apac-market-representation-actual-estimates-historical-data-forecast-period-2021-2025-with-dominating-sectors-and-country-data/ Fri, 15 Jul 2022 23:30:00 +0000 https://cyrank.net/73-of-global-alternative-finance-market-growth-will-come-from-apac-market-representation-actual-estimates-historical-data-forecast-period-2021-2025-with-dominating-sectors-and-country-data/ NEW YORK, July 15, 2022 /PRNewswire/ — The Alternative financial market is part of the world the specialized consumer services industry. The global specialist consumer service market was valued at $4,388.46 billion in 2020. The global alternative finance market was a fragmented industry which was in an innovation stage in 2020. By 2025, the market […]]]>

NEW YORK, July 15, 2022 /PRNewswire/ — The Alternative financial market is part of the world the specialized consumer services industry. The global specialist consumer service market was valued at $4,388.46 billion in 2020. The global alternative finance market was a fragmented industry which was in an innovation stage in 2020. By 2025, the market structure would continue to be fragmented. Its life cycle stage would continue to be in the innovation stage. In addition, the market value of alternative finance is set at grow from $176.15 billiongrowing at a CAGR of 10% from 2020 to 2025, according to the latest Technavio report.

Technavio has announced its latest market research report titled Alternative Finance Market Growth, Size, Trends, Analysis Report by Type, Application, Region and Segment Forecast 2021-2025

Visualize the alternative finance market using Technavio Intelligence. Browse the research report summary to learn more

  • One of the main growth drivers for the alternative finance market is the best returns for investors. The average yield on FDs or 10-year government bonds in developed countries like the UK and the US is around 1% to 3%, and alternative finance investment platforms such as LendingClub and Funding Circle offer average theoretical returns of 7%.

  • Another key driver for the growth of the alternative finance market is the rapid growth in Asia-Pacific. For example, the number of SMEs in China was around 18.07 million at the end of 2018. Similarly, according to data released by the Ministry of Micro, Small and Medium Enterprises (MSMEs), in March 2020there were 63.3 million (6.33 billion) SMEs present through India.

  • High risk of credit default is one of the major challenges hindering the growth of the alternative finance market. For example, default rates for LendingClub and Prosper Marketplace on loans with a repayment period of three years or more average around 10% to 14%. High-risk lenders such as Bondora Capital, which provide loans to clients with very poor creditworthiness, have a credit default rate of up to 25-30% of their overall loan volume.

For more information on the latest drivers, trends and challenges that will help businesses assess and develop strategies for growth. Request a sample copy (including graphs and tables) of this report

Alternative finance market: what are the revenue-generating type segments?

  • P2P loan

  • Crowdfunding

  • Invoice trade

Alternative financial market: what are the key regions?

  • APAC

  • North America

  • Europe

  • South America

  • AEM

Download sample report Using Professional Email Id to Get Additional Insights on Market Share and Contribution of Various Segments and Regions on Higher Priority

Companies covered:

The alternative finance market is fragmented, and sellers are deploying growth strategies such as organic and inorganic strategies to compete in the market. In addition, to make the most of the opportunities and to recover from the post COVID-19 impact, market vendors are expected to focus more on growth prospects in fast-growing segments, while maintaining their positions in low-growth segments.

For detailed information on production, sustainability and outlook of major companies. View sample report

What our reports offer:

  • Market share assessments for regional and country segments

  • Strategic recommendations for new entrants

  • Covers market data for 2020, 2021, through 2025

  • Market Trends (Drivers, Opportunities, Threats, Challenges, Investment Opportunities and Recommendations)

  • Strategic recommendations in key business segments based on market estimates

  • Competitive landscaping mapping major common trends

  • Company profiling with detailed strategies, financials and recent developments

  • Supply chain trends mapping the latest technological advancements

Learn more about macro and micro economic factor analysis, statistical tools, and trend projection. Read a sample report

Related reports:

  • Metaverse Finance Market by Component and Geography – Forecast and Analysis 2022-2026: The market share of the metaverse in finance is expected to grow to reach USD 50.37 billion from 2021 to 2026, and the market growth momentum will accelerate at a CAGR of 20.93%. The growth of the metaverse market share in finance by hardware segment will be significant during the forecast period. The rapid adoption of AR devices and VR headsets by banks and financial institutions to improve customer service and experience, the introduction of advanced technologies to accelerate innovation in fintech solutions, and the increase in Hardware developments are propelling the segment forward and thus driving the finance metaverse market growth. Find more information about research here

  • Personal Finance Software Market by Product, End User and Geography – Forecast and Analysis 2020-2024: The personal finance software market share is expected to increase by USD 191.74 million from 2019 to 2024, and the market growth momentum will accelerate at a CAGR of 4%. 41% of the market growth will come from APAC during the forecast period. India, Chinaand Japan are the major personal finance software markets in Asia Pacific. Market growth in this region will be faster than market growth in other regions. Find more information about research here

Scope of the alternative finance market

Report cover

Details

Page number

120

base year

2020

Forecast period

2021-2025

Growth momentum and CAGR

Accelerate at a CAGR of 10%

Market Growth 2021-2025

$176.15 billion

Market structure

Fragmented

Annual growth (%)

7.95

Regional analysis

APAC, North America, Europe, South America and MEA

Successful market contribution

Asia-Pacific at 73%

Main consumer countries

China, USA, UK, Germany and Indonesia

Competitive landscape

Leading companies, competitive strategies, scope of consumer engagement

Profiled companies

CircleUp Network Inc., Crowdfunder Ltd., Fundable LLC, Funding Circle Holdings Plc, Fundrise LLC, GoFundMe Inc., Indiegogo Inc., Kickstarter PBC, LendingClub Corp. and Patreon Inc.

Market dynamics

Parent Market Analysis, Market Growth Drivers and Barriers, Fast and Slow Growing Segment Analysis, COVID 19 Impact and Future Consumer Dynamics, Market Condition Analysis for the Forecast Period,

Customization overview

If our report does not include the data you are looking for, you can contact our analysts and customize the segments.

Contents

1. Summary

2 Market landscape

3 Market sizing

4 Five forces analysis

5 Market Segmentation by Type

6 Customer Landscape

7 Geographic landscape

8 drivers, challenges and trends

9 Supplier Landscape

10 Vendor Analysis

11 Appendix

About Us

Technavio is a global leader in technology research and consulting. Their research and analysis focuses on emerging market trends and provides actionable insights to help companies identify market opportunities and develop effective strategies to optimize their market positions. With over 500 specialist analysts, Technavio’s reporting library consists of over 17,000 reports and counts, spanning 800 technologies, spanning 50 countries. Their customer base consists of enterprises of all sizes, including more than 100 Fortune 500 companies. This growing customer base relies on Technavio’s comprehensive coverage, in-depth research, and actionable market intelligence to identify opportunities in existing markets and potentials and assess their competitive positions in changing market scenarios.

Contact

Technavio Research
Jesse Maida
Media & Marketing Manager
USA: +1 844 364 1100
UK: +44 203 893 3200
Email: media@technavio.com
Website: www.technavio.com/

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Risky auctions for defaulters on Lipa na M-Pesa loan https://cyrank.net/risky-auctions-for-defaulters-on-lipa-na-m-pesa-loan/ Tue, 12 Jul 2022 03:01:30 +0000 https://cyrank.net/risky-auctions-for-defaulters-on-lipa-na-m-pesa-loan/ Companies Risky auctions for defaulters on Lipa na M-Pesa loan Tuesday, July 12, 2022 The involvement of debt collection agencies could set up thousands of borrowers for foreclosures. FILE PHOTO | NMG Safaricom will deploy debt collectors to pursue unpaid loans in its planned zero rate credit service which will allow millions of its customers […]]]>

Companies

Risky auctions for defaulters on Lipa na M-Pesa loan


The involvement of debt collection agencies could set up thousands of borrowers for foreclosures. FILE PHOTO | NMG

Safaricom will deploy debt collectors to pursue unpaid loans in its planned zero rate credit service which will allow millions of its customers to purchase goods worth up to Sh100,000 and pay later.

The involvement of debt collection agencies could set up thousands of borrowers for foreclosures.

This is the first time Safaricom will deploy debt collectors for its credit products which include M-Shwari and Fuliza in a market where mobile loans have a high default rate.

Safaricom relied on the threat of blacklisting defaulters with credit reference bureaus (CRBs) to collect overdue loans and curb defaults.

Borrowers reported to one of Kenya’s three CRBs jeopardize their chances of getting more credit.

The involvement of debt collectors in the all-new mobile loan product indicates that Safaricom is stepping up its efforts to improve repayment.

Lily: M-Pesa launches interest-free loans for the purchase of goods

“At any time after the occurrence of a continuing Event of Default, we may, without prejudice to any other right or remedy granted to us under any law…take reasonable steps, including engaging a collection agency independent debt collector, to collect the amount in default (and/or) submit information regarding the event of default to credit reference bureaus, subject to applicable laws,” the telecom operator said in a statement.

Results of a recent household survey conducted by the Central Bank of Kenya (CBK), FSD Kenya and the Kenya National Bureau of Statistics (KNBS) show that 50.9% of respondents defaulted on mobile loans.

The rising defaults came during a period when digital lenders flooded Kenya with high interest rates of up to 520% ​​per annum.

The survey defined default as missing a scheduled repayment, paying late, and making no payment at all.

Mobile banking and digital loans are issued without collateral, making them vulnerable to borrower default.

They are also often taken as an emergency measure by cash-strapped individuals or companies, hence a higher risk of default.

Many Kenyans are now finding they can get loans in minutes, with lenders relying heavily on algorithms that build a financial profile of customers in a bid to minimize the risk of default.

Using algorithms, the apps assess the creditworthiness of borrowers by analyzing personal data on their phones, including contacts, mobile money transactions, social media presence and web history.

Users of the interest-free product known as Faraja will purchase goods and services from Sh200 up to a maximum of Sh100,000 and pay the same amount with no additional charges seen on other credit products.

Read also: M-Pesa Visa undermines banks on exchange fees

Unlike Fuliza, subscribers cannot send money to other users because transfers from the Faraja account can only be used for goods payments via Lipa na M-Pesa.

Safaricom will collect its fees through the Lipa na M-Pesa fee, which varies between Sh23 and Sh210 depending on transaction amounts.

Charges are either paid in full by merchants or buyers, or co-shared with consumers, which applies to payments made by motorists at service stations.

Defaulters will also bear the costs of hiring collection agents. Safaricom will suspend or terminate a Defaulter’s Faraja Account.

Faraja is slightly similar to the Lipa Later service currently on the market, except this time buyers will walk away with goods from a list of selected merchants without having to pay upfront in installments.

It will work like a digital credit card where a user will have a credit limit of up to Sh100,000, depending on their credit score, to make purchases and then repay at a later date.

“You will only be obligated to repay the amount of the unpaid facility that we have advanced to you (in whole or in part) using the designated invoice number or such other channel as we provide from time to time,” Safaricom says in a statement. communicated on its website.

Faraja promises to be a game-changer in the mobile loan market and is set to cut more expensive credit products, including its own Fuliza, KCB-M-Pesa, M-Shwari as well as digital credit providers such as Tala, Branch and Zenka.

Read also: Safaricom’s voice market share drops in Q1

Safaricom and Equity are looking to make money from increased Lipa na M-Pesa transactions at select stores. Already dozens of outlets have signed up to become merchants, including Naivas Supermarket, Goodlife Pharmacy and City Walk, a shoe retailer.

Lipa na M-Pesa was launched by Safaricom in June 2013 and has aggressively recruited merchants across the country, including large and small businesses such as gas stations, supermarkets, convenience stores and restaurants.

This has seen it overtake card payments – run by banks and their global payment technology partners such as Visa and Mastercard – which have largely focused on formal retailers.

The Faraja product is owned by Edomx Ltd, a Kenya-based fintech company. The business daily understands that the parties will have a revenue sharing formula.

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Mortgage of the day, refinancing rate: July 10, 2022 https://cyrank.net/mortgage-of-the-day-refinancing-rate-july-10-2022/ Sun, 10 Jul 2022 10:01:59 +0000 https://cyrank.net/mortgage-of-the-day-refinancing-rate-july-10-2022/ After the recent spikes, mortgage rates appear to have calmed down somewhat, with 30-year fixed rates remaining stable below 5.5%. Rates have risen steadily throughout 2022 and could continue to rise if inflation does not slow. While higher rates aren’t necessarily good news for hopeful homebuyers, they have led to a slightly more normal housing […]]]>

After the recent spikes, mortgage rates appear to have calmed down somewhat, with 30-year fixed rates remaining stable below 5.5%.

Rates have risen steadily throughout 2022 and could continue to rise if inflation does not slow. While higher rates aren’t necessarily good news for hopeful homebuyers, they have led to a slightly more normal housing market.

Over the past two years, historically low rates have pushed record numbers of buyers into the market, causing home prices to soar. As obtaining a mortgage has become more expensive, demand has cooled, putting less upward pressure on house prices.

Today’s Mortgage Rates

Today’s Refinance Rates

mortgage calculator

Use our free mortgage calculator to see how today’s interest rates will affect your monthly payments:

mortgage calculator

$1,161
Your estimated monthly payment

  • pay one 25% a higher down payment would save you $8,916.08 on interest charges
  • Lower the interest rate by 1% would save you $51,562.03
  • Pay an extra fee $500 each month would reduce the term of the loan by 146 month

By clicking on “More details”, you will also see the amount you will pay over the life of your mortgage, including the amount of principal versus interest.

Are mortgage rates increasing?

Mortgage rates started to recover from historic lows in the second half of 2021 and may continue to rise throughout 2022.

In May, the consumer price index rose 8.6% year over year. The


Federal Reserve

has worked to keep inflation under control and plans to raise the federal funds target rate four more times this year, following increases in March, May and June.

Although not directly tied to the federal funds rate, mortgage rates are often pushed higher by Fed rate hikes. As the central bank continues to tighten monetary policy to reduce inflation, mortgage rates are likely to remain high.

What do high rates mean for the housing market?

When mortgage rates rise, homebuyers’ purchasing power declines, as more of their projected housing budget must be spent on interest payments. If rates get high enough, buyers can be shut out of the market altogether, cooling demand and putting downward pressure on home price growth.

However, that doesn’t mean house prices will go down – in fact, they’re expected to rise even more this year, just at a slower pace than what we’ve seen over the past two years.

What is a good mortgage rate?

It can be difficult to know if a lender is offering you a good rate, which is why it’s so important to get pre-approved with several


mortgage lenders

and compare each offer. Apply for pre-approval from at least two or three lenders.

Your price isn’t the only thing that matters. Be sure to compare both your monthly costs and your upfront costs, including lender fees.

Although mortgage rates are heavily influenced by economic factors beyond your control, there are steps you can take to ensure you get a good rate:

  • Consider fixed rates versus adjustable rates. You may be able to get a lower introductory rate with an adjustable rate mortgage, which can be beneficial if you plan to move before the end of the introductory period. But a fixed rate might be better if you’re buying a house forever, because you don’t risk your rate going up later. Examine the rates offered by your lender and weigh your options.
  • Look at your finances. The stronger your financial situation, the lower your mortgage rate should be. Look for ways to increase your credit score or reduce your debt ratio, if necessary. Saving for a larger down payment also helps.
  • Choose the right lender. Each lender charges different mortgage rates. Choosing the right one for your financial situation will help you get a good rate.

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3 cheap stocks investors should buy by hand https://cyrank.net/3-cheap-stocks-investors-should-buy-by-hand/ Wed, 06 Jul 2022 11:50:00 +0000 https://cyrank.net/3-cheap-stocks-investors-should-buy-by-hand/ In today’s bear market, there are plenty of cheap stocks out there, but some of them are worth it. However, a handful were dragged down by general sentiment, and these stocks are where investors should look to buy. I believe three are cheap but still valuable right now are Alphabet (GOOG 4.41%) (GOOGL 4.16%), MercadoLibre […]]]>

In today’s bear market, there are plenty of cheap stocks out there, but some of them are worth it. However, a handful were dragged down by general sentiment, and these stocks are where investors should look to buy.

I believe three are cheap but still valuable right now are Alphabet (GOOG 4.41%) (GOOGL 4.16%), MercadoLibre (MELI 8.12%)and Reached (UPST 8.04%). While they may see headwinds in the short term, I think everyone’s business model will work well in the long term. Here’s why.

1.Alphabet

While Alphabet may be little known to non-investors, the companies it owns are not. Under its umbrella are Google, YouTube and the Android operating system. Although it may seem like a diverse business, 80% of its revenue comes from advertising sources.

This concentration is precisely why the stock is valued at around 20 times earnings, near an all-time low and down almost 30% from its peak. Advertising budgets are cut during recessions and Alphabet is in the crosshairs.

However, I think this idea is wrong. Take a look at Alphabet’s revenue over the past 12 months since 2005. It barely faltered during the COVID-induced recession of 2020 or the Great Recession of 2007-09.

GOOG revenue (TTM) given by Y-Charts

Now I hear the criticism: “The COVID recession barely lasted a few months! This time it’s different!” While I agree with that, there was hardly any travel advertising in 2020, and Alphabet still managed to stay the course. While Alphabet may see pressure across the board, an entire segment won’t evaporate.

Removing these concerns, Alphabet is a robust company. It has nearly $134 billion on its balance sheet in cash and cash equivalents, and its return on invested capital was 28% last quarter. Additionally, Alphabet has a $70 billion share buyback plan executed at a historically low valuation, meaning management is getting more for its money with its buyback program.

Alphabet is one of the most stable companies on the planet and a great buy for growth and stability in your portfolio.

2. MercadoLibre

While e-commerce seems to have played with other businesses, MercadoLibre is just getting started. Based in Latin America, MercadoLibre provides all the necessary tools (like an online marketplace, digital payments, shipping logistics, and consumer credit) for e-commerce to thrive.

When someone says a company is “firing on all cylinders”, they should be pointing to MercadoLibre. During the first quarter, its fintech revenue grew 113% year-over-year (YOY) to $971 million, while commerce revenue increased 44% to $1.3 billion. dollars. Digging a little deeper, MercadoLibre delivered 79% of packages within 48 hours of ordering, and its fintech participation rate exploded by 20% thanks to its credit division.

Despite this execution, the stock is trading at record highs.

Table of MELI PS ratios

MELI PS report given by Y-Charts

In 2009, the global financial system was on the brink of collapse – yet you can buy MercadoLibre shares for the same valuation now as you did then.

Negative sentiment could stem from MercadoLibre’s fragile profitability (although it posted a 2.9% net income margin this quarter). However, MercadoLibre is still relatively early in its growth phase, and investors should be excited about the growth it has yet to capture.

3. Assets received

Upstart’s stock has had a wild ride since its IPO in late 2020. It once traded for over $400, but today you can buy it for around $35. A dramatic fall like this usually indicates a failing business or perhaps a management scandal. However, for Upstart, it was a factor: extreme valuation. At its peak, Upstart was trading for almost 45 times its sales; now it is trading for just under three.

While some software companies trade this high, companies that specialize in approval loans do not. Upstart’s model replaces the traditional FICO consumer credit score by using artificial intelligence (AI) to assess loan risk more accurately. The program works well enough that lenders can approve the same amount of loans while experiencing 75% fewer defaults.

So if Upstart supports Fair Issac Co. and its FICO score, we should compare it to its established competitor.

UPST PE Ratio Table

PE UPST Report given by Y-Charts

It’s not often that the challenger wins the incumbent’s business while trading at a lower valuation than its rival, but that’s what’s happening here.

To top it off, Upstart’s first-quarter revenue grew 156% year-over-year, while the company posted an 11% profit margin. Upstart is also expanding into auto loans in addition to its initial personal loan offering.

While it’s a valid argument that fewer consumers will take out loans to buy, banks will want to tighten their lending practices while maintaining as much business as possible. What better way to do this than by using Upstart’s solution, which has been proven to reduce risk while maintaining approval rates?

If Upstart can capture business during a recession, its business will explode when the economy recovers and consumers are confident enough to make major purchases.

Although I don’t know when the market will recover, I am confident that these three companies will emerge stronger than when they entered the bear market. Whether that’s in a year or three, I’m not sure. But over the long term, I can think of few better places to invest right now.

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Business News | Stock and Equity Market News | Financial News https://cyrank.net/business-news-stock-and-equity-market-news-financial-news/ Mon, 04 Jul 2022 04:08:13 +0000 https://cyrank.net/business-news-stock-and-equity-market-news-financial-news/ Search mutual fund quotes, news, net asset values Addiction INE002A01018, TRUST, 500325 ICC INE154A01025, ITC, 500875 CGSB INE213A01029, CGSB, 500312 Tata Steel INE081A01012, TATASTEEL, 500470 IOC INE242A01010, COI, 530965 […]]]>













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Based on open term interest percentage, long accumulation was seen in 94 stocks, including Coromandel International, Nifty Financial, ABB India, United Breweries and Whirlpool.

Trade Setup for Tuesday: 15 Things to Know Before the Bell Opens



  • Highest 28% GST on luxury goods and products of sin will continue: Revenue Secretary

  • Maharashtra government to reduce VAT on fuel: Eknath Shinde

  • Non-competition clause issue: Infosys requests time until July 13 from Karnataka Labor Department

  • Tech Mahindra opens campus in Coimbatore, plans to add 1,000 associates in FY23

  • Police respond to 4th of July parade amid reports of shootings

  • Tata Power to invest Rs 3,000 crore to set up solar cell and module manufacturing unit in Tamil Nadu

  • MC explains: When an undivided Hindu family may not work

  • Payments to Aakash closed, financial results to be filed in 10 days: Byju’s

  • Remove the GST exemption on health services; allow input tax credit, FICCI tells FM Sitharaman

  • Over 12,000 Indian startup employees lost their jobs in 2022: report

  • Breaking News Live: Hotels and Restaurants Banned from Charging Default Service Charges

  • Plastic ban suffocates small restaurants and street vendors under sudden cost hike

  • 2022 Maruti Suzuki Brezza facelift dimensions, variants revealed ahead of launch OVERDRIVE



  • Highest 28% GST on luxury goods and products of sin will continue: Revenue Secretary

  • Maharashtra government to reduce VAT on fuel: Eknath Shinde

  • Non-competition clause issue: Infosys requests time until July 13 from Karnataka Labor Department

  • Tech Mahindra opens campus in Coimbatore, plans to add 1,000 associates in FY23

  • Police respond to 4th of July parade amid reports of shootings

  • Tata Power to invest Rs 3,000 crore to set up solar cell and module manufacturing unit in Tamil Nadu

  • MC explains: When an undivided Hindu family may not work

  • Payments to Aakash closed, financial results to be filed in 10 days: Byju’s

  • Remove the GST exemption on health services; allow input tax credit, FICCI tells FM Sitharaman

  • Over 12,000 Indian startup employees lost their jobs in 2022: report

  • Breaking News Live: Hotels and Restaurants Banned from Charging Default Service Charges

  • Plastic ban suffocates small restaurants and street vendors under sudden cost hike



Last name Price To change % changes
ntpc 141.40 0.75 0.53
Indiabulls Hsg 94.60 -1.30 -1.36
Nhpc 31.55 0.70 2.27
Sbi 473.45 6.60 1.41

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