Given the dramatic changes occurring in financial services, driven by new technology, regulations, consumer behaviour, and the need for cost reduction, this global trend is expected to continue for the foreseeable future.
Financial technology businesses, investors and regulators are all looking for transparency and valuable insights on the increasingly important, innovative and fast growing FinTech sector.
Our in-house research looks for key trends and factors affecting the fast growing FinTech market as well as for FinTech startups and established businesses which are moving forward quickly with new solutions.
Many companies equate innovation management with idea management. They have ideation sessions that result in lots of ideas that must be catalogued, filtered, assessed, and acted upon. The thinking goes something like this: “The more ideas we have, the greater our chances are that one of them will be a big idea. Our goal, then, is to fail fast; that is, to filter out all the bad ideas as quickly as possible so the big ideas will surface.”
Companies that use the ideas-first model are trying to figure out which of the hundreds of ideas they have generated significantly address their customers’ unmet needs in attractive markets. But in nearly all companies, managers don’t even agree on what a customer need is, let alone all the unmet needs in the markets the ideas are addressing. So how can they effectively determine which ideas to pursue? They can’t. And this is the problem.
We help you to find the value proposition where your company’s product offer intersects with your customer’s desires. It’s the magic fit between what you make and why people buy it. Your value proposition is the crunch point between business strategy and brand strategy.
You don’t brainstorm innovations; you construct them
Ideation / Value Proposition Design
Minimum Viable Product
Many companies begin with an idea for a product that they think people want. They then spend months, sometimes years, perfecting that product without ever showing the product, even in a very rudimentary form, to the prospective customer. When they fail to reach broad uptake from customers, it is often because they never spoke to prospective customers and determined whether or not the product was interesting. When customers ultimately communicate, through their indifference, that they don't care about the idea, the product fails.
A core component to avoid such a bad experience is the build-measure-learn feedback loop. The first step is figuring out the problem that needs to be solved and then developing a minimum viable product (MVP) to begin the process of learning as quickly as possible. Once the MVP is established, you can work on tuning the engine. This will involve measurement and learning and must include actionable metrics that can demonstrate cause and effect question.
We promote the concept of Independent Validation and Verification, a process in which second opinions are acquired before implementing solutions. We see the following benefits from practicing IV&V:
Validation / Second Opinion
We are not only using valuation to get a company value but also to valuate trends. Because of the valuation process is dedicated to the various quantitative methods we are using our own approach:
1. Use of event study method (Patent applications and grants, Trademark registrations, Rumors and news)
2. Distinguish “important” from “noise” events by using stock market and internet activity data
3. Consider the marginal impact of each event on the market value of
a. company – private value
b. its major competitors – spillovers & business stealing effects
c. its major suppliers – value effects within the supply chain
We have significant experience advising boards of directors, management, trustees, and other fiduciaries of middle-market public and private companies in the Financial Services and Information Technology Industry.
ESOP Advisory Services
We provide annual appraisals for ESOP trustees as well as fairness opinions and other valuation-related services for ESOP companies and financial institutions.
Our comprehensive valuation and transaction experience with public and private capital companies empowers us to efficiently provide unbiased fairness opinions that can rely on to assure stakeholders that the decisions being made are fair and reasonable.
M&A Representation Services
Clients hire us with several goals in mind: To maximize net proceeds, ensure transaction closure and achieve the best possible terms with confidentiality, speed and minimal burden on ownership and management.
4executives renders solvency opinions on behalf of companies that are undergoing a transaction in which a significant amount of debt is assumed to fund shareholder dividends, an LBO, acquisition or other such transaction that materially levers the company's capital structure.
What we saw in the recent years globalisation and digitisation challenge the business models and security of financial services companies. At the same time, globalisation and digitisation create brand-new opportunities for both start-ups and established businesses. The development within the fintech industry (financial technology) changes the development and delivery of financial services.
We have an extensive experience and financial industry expertise based on the background of our people as board and executive members or program and line managers on senior level and we have a clear understanding of how technology and innovation can deliver profitable growth.