Alternative Finance: A New Reg-Generation For A New Disruptive Phenomenon

For a new marketplace

Bank lending is the most common source of external finance for several actors that are reliant on traditional debt to fulfill their cash flow and investment needs.

While it is commonly used by mid and large cap companies, SMEs, in particular newer, innovative and fast growing companies, with their higher risk-return profile, pose some challenges to traditional bank finance.

In an effort to circumvent the challenges of conventional financing, alternative financing schemes have arised to mobilize private investments.

Hence, crowdfunding has become an alternative source of funding across many sectors, and it is increasingly used to support a wide range of for-profit activities and businesses.

If peer-to-peer lending is attractive for small businesses that lack collateral or a credit history to access traditional bank lending, crowdfunding platforms are evolving into more sophisticated intermediaries.

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On-demand real-time trading analytics with Hadoop and HBase

Note: This article is a transcript of a presentation than has been made during London STAC Summit in May 2015. It gives the vision we had at that time of the potential impact of Big Data in Capital Market. Our focus on R&D is to identify the innovative technology that competitive advantage for Financial actors.

Today’s FO Operational Challenge

For years, banks have heavily invested in technology in order to follow the acceleration of Capital Market: exponential development of products, increase of volume, latency, diversity of sources.

In order to stay competitive, banks must now introduce new services based on a global view of the markets by federating all structured and unstructured dataset.

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