« Ne priez pas pour une vie facile. Priez pour avoir la force d’endurer une vie difficile. » Bruce Lee

Beaucoup rêvent de réussite et de liberté financière, mais peu sont prêts à affronter les défis qui les attendent et à faire face aux difficultés.

Les échecs initiaux les découragent, les faisant abandonner leurs ambitions.La réalité est dure, mais seuls les plus résilients continuent à avancer malgré les épreuves.

Dans la vie, il vaut mieux essayer et échouer que de ne rien faire du tout.Mieux vaut une vie remplie d'erreurs qu'une vie sans actions.

Soyons des hommes d'action en cet début de semaine.

#secretsréussite

🚀 Le Volet 1 du Programme des Entrepreneurs du Québec ouvre une porte unique aux esprits innovants pour créer une entreprise dans un environnement financier dynamique. Conçu pour stimuler l'innovation, le développement économique et renforcer la présence de la langue française au Canada, ce programme offre aux entrepreneurs francophones une opportunité exceptionnelle d'obtenir la résidence permanente tout en bénéficiant du dynamisme économique de l'Amérique du Nord.

Avantages d'établir son entreprise innovante au Québec :

🔬 Infrastructure de Recherche et Innovation : Collaboration avec des institutions académiques renommées et accès à des ressources de recherche de haute qualité.

💼 Soutien des Organismes gouvernementaux : Investissement Québec et le ministère de l'Économie et de l'Innovation offrent un soutien financier et des programmes d'accompagnement.

🌐 Accès au Marché nord-américain : Situation stratégique offrant un accès privilégié au marché nord-américain.

🌟 Qualité de Vie élevée : Un cadre de vie réputé pour sa qualité, contribuant à attirer et à retenir des talents qualifiés.

https://www.immigrationcast.ca..../blog/programme-des-

#entrepreneuriat #innovation #québec 🍁

Always in LOOP mode, keep looping yourself

What Makes a Great Pitch

https://hbr.org/2020/05/what-makes-a-great-pitch

Can the past years’ massive growth of the #subscription economy pose an opportunity for financial services players looking to pivot and grow? Let’s take a look.

UBS estimates the subscription #economy at $1.5tn (2025), having grown by 435% over the past decade (SEI).

In a subscription business model customers pay a recurring fee at regular intervals to access a product or service.

Think of Amazon Prime, Netflix, Spotify, Disney+ and will realize that our life is full of subscriptions. The average American spends about $1,600 a year on subscriptions (2022, Subscription Service Statistics and Costs).

Why is the model so attractive?

— For consumers it combines flexibility, with convenience, transparency and value for money

— For businesses it not only allows to bundle more offerings together and to increase revenue (bundled plans can result to a 30% average order value increase), but also offers revenue predictability and boosts customer loyalty

In #financialservices, it was #fintech players that have mostly made use of the model in the last years, whereas incumbents have been much slower.

There is a good reason for this:

Subscription models are built around holistic customer propositions, i.e. they focus on an outcome that solves a problem and not on products and features. Traditional #banking has not yet made this transition, whereas challenger fintechs have focused early on on alternative pricing models.

A few examples:

— Challenger banks like Revolut and Monzo have been early adopters of a multi-layered subscription plan, where the quantity and quality of bundled offerings increase as we move up the value ladder

— Klarna recently announced its first subscription plan in the US, “Klarna Plus,” which includes double rewards points, exclusive discounts and no additional fees for $7.99 per month. The move allows Klarna to deepen engagement with US consumers, further diversify their portfolio and boost revenues ahead of an imminent IPO

Here is an example that shows the way for incumbents:

— Singaporean bank DBS has bundled together under its Start Digital Programme a range of accounting, HR, Marketing, Transactions, Collaboration and Cybersecurity services targeting an all-in-one subscription approach to SMEs

Subscription business models might not be a panacea for innovation FS laggards, but they do seem to address a few of the main root-causes:

— People are not buying product usage and features any more, but are interested in getting an outcome or solving a problem

— The rise of the as-a-service model indicates that there is fertile ground in bundling more offerings (including some that would have otherwise likely been harder to sell individually) under one umbrella

— Younger customers (who normally are the hardest for incumbents to approach) are simply accustomed to and much more familiar with the flexibility of the subscription model

Sources: Panagiotis Kriaris LinkedIn's Post

Business Models in Embedded Finance👇

#kpmg mapped them out in 6️⃣ categories:

1️⃣ #b2c: The so-called retail business model with consumers at the receiving end and marketplaces, e-commerce platforms, and other apps on the distribution side.

2️⃣ #b2b: Non-FS players offer financial services (e.g., payments, lending, inventory financing, working capital financing, insurance) to other businesses or merchant platforms.

3️⃣ #b2b2c: Here we have the introduction of an additional business layer in the value chain in the form of a fintech or technology provider. Example: an insurtech working with a furniture retailer to offer product insurance to the retailer’s customers.

4️⃣ #b2b2b: similar to the B2C side a technology provider is integrated into the model

5️⃣ #c2c: This model involves embedding financial services (i.e. payment options) into C2C marketplaces or #p2p platforms.

6️⃣ #g2g: This involves embedding FS between government relationships, i.e. tax payments between levels of government.

Source Graphic: Panagiotis Kriaris
#embeddedfinance #embeddedbanking #embeddedfintech #openbanking #fintech #financialtechnology #fintechindustry #payments #paytech #digitalbanking

M. Sall est-il possible de repoussé les Élections ?! Quand la réponse devient à géométrie variable.
Partagez massivement svp! La VAR😂😂 c'est le même *qui disait à l'époque qu'il était impossible pour un président de prolonger son mandat d'une journée pour risque de plonger le pays dans le KAO* qui décide à son tour de faire le contraire pour protéger ses intérêts et celui de la France. Veille que veille il veulent faire passer de force un président qui puisse garantir les intérêts français au détriment des intérêts du peuple sénégalais.

Le nombre de faillites d’entreprises recensé au Canada a bondi de 41 % en 2023

https://ici.radio-canada.ca/no....uvelle/2046945/econo