Fintech

Fintech

fintech
Fintech has become a trend in personal and institutional financial transactions. This trend will continue and will eventually replace traditional financing methods.
 
However, fintech is also challenged with numerous difficulties, such as the security and fraud risks, tecnology development and compatibility with various platforms and systems, such as mobile, desktops, POS, etc.
 
On another development, digital currencies are evolving in an unprecedented pace, however, with uncertain future. It is not clear yet how the digital currencies will play their roles in the financial market, and therefore consumers and businesses need to be cautious about these financial assets and investments.
 
Keep yourself informed by coming back here from time to time to get access to first hand data, analysis and reports about some of the key factors of the fintech and financing businesses.

 

My Fintech Consulting

 

Providing consulting services about online payment solutions, cryptocurrencies investment and technologies as well as fintech security for those online banking and financing service commpanies, platforms as well as consumers, who care for their security and are concerned about possible attacks from hackers and other malicious organizations, whether they are using desktops, mobile devices and others and equipped with different OSs such as Windows, Linux, IOS etc.

Providing market intelligence and market entry consulting services for those international businesses in the fintech industry and those planning for entering into the Chinese online payment market.

 

 

Sales of invisible (digital products), including but not limited to:

 

Ebooks

How to Choose your Financial Apps

 

An 150 page e-guide in US English prepared by Plutus International.

This guide is prepared by Plutus International for clients in the fintech businesses as well as consumers of the English speaking world.

The ebook covers a wide scope of areas concerning the selection of financial management apps for private persons. It has the following chapters:

WHAT THE FINANCIAL SOFTWARE APPS DO FOR YOU?
THE BENEFITS OF USING FINANCIAL SOFTWARE APPS
THE PROS AND CONS OF FINANCIAL APPS
TYPES OF FINANCIAL APPS
CHOOSING YOUR FINANCIAL APPS
FINANCIAL MANAGERS OR MONEY MANAGEMENT PROGRAMS
DEBT CONTROL APPS
TAX-PREPARATION PROGRAMS
INVESTMENT PORTFOLIO APPS
ABOUT THIS BOOK

Read the introduction file "How to Choose your Financial Apps" () for more details.
 
 

Articles, Essays, Papers

"Chinese Tech Giants Pouring Huge Capitals into Micro-Finance": 2021-08-21

In this article I will report on the recent development of the Chinese microfinance industry, particularly the active involvement of the tech giants. This is an excellent example of how finance and technology are being merged, and how traditional financial services will be affected by the technology evolution.

 
 

Business and Industrial Reports and Analysis

 
 

Software & Apps

 

Fintech Transaction

 

Merger & Acuisition for Online Financial Businesses

Merger and acquisition is always one of the fastest way to expand your business in the relevant industry, financial sector no exception.

However, nobody is waiting for your "eating up" for your some kind of hard pursuasion and even threat. In every industry, there are always people who have either come to an end of career, or are ready to debut for other world or businesses, or they simply want to sell out their companies and then retire. And on the other side, you may be thinking worthwhile to go a step further by taking over some of the weaker fish and eating them up, in order to extend your kingdom of business.

The question is always, that are you targeting at the right target and at the right time and place? Are you paying to high or are you getting too little with your money? Or your target won't generate the revenues and market share as you've expected?

Nobody really knows what kind of fish it is, unless you have physically caught your fish in your net. Therefore, be patient, wait for some things to come up and analyse your target detailed enough, before you shoot your hook.

 

Or ask us for some advice.

 

We provide international communities with the following online financial consulting services:


Fintech Security Services (FSS)

Plutus provides online financial security consulting services which covers some of the key concerns of the industry insiders such as follows:

  • Hacking group profiles and their roles in various cyber security breaching events
  • Hacking tactics
  • Hacking technologies, tools and systems
  • Major security issues in the financial industry and impact on the online banking business to the countries in concerns
  • Proposals to avoid disastrous results from the hacking actions for both the clients and providers of online banking services
  • Practical on-the-spot advices and actions for prevention and remedies of security risks.

which are useful for everyone involved in online banking and payment business. Knowing the development of the security technologies and events in a timely and systematic way is one of the key measures to protect ourself from being attacked. On the other hand, huge financial losses may be incurred out of an ignorance of the relative knowledge and technologies. To better protect yourself against your potential hackers, it is absolutely necessary to know who they are, what they are doing, how they are doing and when they will probably do their jobs ahead of time. Otherwise your online security and hence your bank accounts will be compromised.

Total Online Payment Solutions

When shopping online or doing business online, after propriate commodities are chosen for sales or purchase, the next problem is how to deal with the capital flow. This is not simply a simple problem as to how consumers can pay to sellers or how merchants can get their money back to their burse. The selectivity of payment and settlement for sellers/consumers will also have great impact on the willingness of sales or purchase.

There are numerous ways for online payments, such as credit cards, pay on arrival of goods and third party payment.To each of these payment schemes, there are different ways of payment flow, limitations of amount, transaction time, and security of payment, and thus have all their cons and pros. There are so many payment providers, gateways and techniques available on the Internet, which I shall chose for my online business and consumption? We will come to find an optimum solution for you based on your particular needs.

Digital Currencies Investment Consultancy

Digital currencies have seen a dramatical surge over the last years, and their future is uncertain. What is their future trends? Can they replace the national currencies? Shall I buy them in? Apart from bitcoin, that dominate the market at the moment, are there others worth investing? What are the possible risks? How to make my transactions and on which platforms? All these and many more questions are to be answered before making your final decision. We will find out some of these solutions together with you, and follow up the market, provide valuable analysis, judgment and investment advice.

In one word, we can help you motivate your above businesses in the online fintech market.

In addition to the above fintech services, we're also glad to provide you with the following

 

Plutus Investment Consulting Services (PICS)

We help international companies in expanding your business in China by advising on merger and acquisition in China's business. We help you find the right location of your new company, and the right local partners in these cities. Particularly our investment consulting services mainly include the following:

Mergers & Acquisitions
Mergers & Acquisitions
Post Merger Integration
Investment Consultancy

Commercial Due Diligence
Market Due Diligence
Operation Due Diligence

Investment In China
China Entry and Development Services
Pre-In-Post Investment Consulting Service

Although you may already have rich presence and experiences in the Chinese market, there are still unexplored areas and regions. It is worthwhile to employ a local agent to understand the cons and pros of a new investment and new venture before pouring huge money into an unknown region and unknown partners. Therefore, indepth and reliable investigations and information about those areas and partners is absolutely necessary for your business strategy.

 

 

Total Online Payment Solutions (TOPS)

When shopping online or doing business online, after propriate commodities are chosen for sales or purchase, the next problem is how to deal with the capital flow. This is not simply a simple problem as to how consumers can pay to sellers or how merchants can get their money back to their burse. The selectivity of payment and settlement for sellers/consumers will also have great impact on the willingness of sales or purchase.

There are numerous methods for online payments, such as bank transfer, debit and credit cards, mobile payment, e-wallets, cryptocurrencies, pay on arrival of goods, third party payments etc.To each of these payment schemes, there are different possibilities of payment flow, limitations of amount, transaction time, currency availability, bank intefgration and security of payment, and thus have all their cons and pros.

There are so many payment providers, gateways and technologies available on the Internet, which you shall chose for your online business and consumption? We will come to find an *** Optimum solution *** for you based on your particular needs.

 

Online Payment Technology Consulting (OPTeC)

For online payment gateways and providers, it is of utmost important to select the optimum payment software & tools, compatible with the relevant payment methods you're going to offer to your clients. We have been following the development trends on payment software, tools and solutions on the market, and we have helped numerous clients in advising and implementing the most appropriate ways a payment system shall implement in accordance with industry standards and client expectation.

Among the vast selections of these software, tools and solutions, we may optimize a subset which may be adapted for your business plan. Some of the possible systems incl.:

Bank, Loan Software
Payment Management Software?
Payment Solutions
Payment Automation Software
Payment testing test tools
Payment Gateway Software
Payment Processing Software
Payment Analytics Software
Mobile Payment Tools
Debit And Credit Card Payment Software
Billing Software
Invoicing Software / Tools
Accounts Payable Software
Donation Payment Tools
Fundraising Software
Treasury Software for Cash Management and Payment Workflow
etc.

 

China Online Payment Services (COPS)

Are you planning for the sales/marketing of your online payment services to China? Are you considering to enter into or enhance your existing market in China? Are you already involved in the Chinese market? How is your market strategy planned and executed? Do you have any ideas how the market is evolving presently? And if you're informed of some of its aspects, then how do you plan your market entry and development strategy? Are you well represented in China’s major cities and towns? Have Chinese consumers heard your name and are they royal to your brand? Do you want to find Chinese investors or buyers for your services? Do you look for financing from China? Are you interested in cooperating with Chinese coorporations in technology transfer, co-operation or co-development?

These and many other questions are vital to your next step of business plan of your company, as China is the world's largest market in almost all major industries and consumer goods. But be cautious before venturing into this market and try to avoid the failure mentality many non-Chinese corporations have adopted in the past decades and instead endeavor to share part of the market with a first class consultant operating in the local market, such as ours. Whatever you're in this market, you have to know very detailed information about the local market and the major stakeholders in it - the consumers, the developers, the policy makers, and all those in the industry chains.

We can help you achieve your sales goal by helping your sales or partnership efforts in China. We can be your local agent, distributor or whole-seller; We can also be your local representative, your local sales manager. Because we are local, we know the market; We know the consumer behavior and their buying decision making process. What is most important, we have the local ties you desperantly need.

In one word, we can help you motivate your above businesses in the largest online payment market in the world – China.


Sales/marketing of your online payment services to China

Are you planning for the sales/marketing of your online payment services to China? Are you considering to enter into or enhance your existing market in China? Are you already involved in the Chinese market? How is your market strategy planned and executed? Do you have any ideas how the market is evolving presently? And if you're informed of some of its aspects, then how do you plan your market entry and development strategy? Are you well represented in China’s major cities and towns? Have Chinese consumers heard your name and are they royal to your brand?

Do you want to find Chinese investors or buyers for your services? Do you look for financing from China? Are you interested in cooperating with Chinese coorporations in technology transfer, co-operation or co-development?

These and many other questions are vital to your next step of business plan of your company, as China is the world's largest market in almost all major industries and consumer goods. But be cautious before venturing into this market and try to avoid the failure mentality many non-Chinese corporations have adopted in the past decades and instead endeavor to share part of the market with a first class consultant operating in the local market, such as ours. Whatever you're in this market, you have to know very detailed information about the local market and the major stakeholders in it - the consumers, the developers, the policy makers, and all those in the industry chains.

We're a marketing, sales and service agent based in China but active across the world. We have been servicing the online finance industries since quite some time ago.

If you are serious in expanding to China, you need to be well prepared. How is your service oriented, what will be your potential clientelle, how will be your pricing determined, will there be a free service offered to attract the initial client flow, how would you consider your relations with the Chinese partners, governments, suppliers and so on, how will you attack on any possible risks in operating in a unknown market, do you have a long term strategy or you just want to earn some ready and quick money, etc etc. You need to find out a detailed business plan in order to minimize your risks and maximize your profits in the Chinese online payment market, which is very lucrative yet highly competitive and risky at the same time.

We have a great team of the experts with multilingual capacity and experiences with the major national and multinational corporations as well as Chinese finance industries incl. also the local and central authorities who are in charge of the industry management and supervision. You may rely on us to provide a first market entry consulting based on our past experiences with numerous industry insiders.

We can help you achieve your sales goal by helping your sales or partnership efforts in China. We can be your local agent, distributor or whole-seller; We can also be your local representative, your local sales manager. Because we are local, we know the market; We know the consumer behavior and their buying decision making process. What is most important, we have the local ties you desperantly need.

In one word, we can help you motivate your above businesses in the largest online payment market in the world – China.

 

Digital Currencies

 

Cryptocurrencies Investment Consulting

Digital currencies have seen a dramatical surge over the last years, and their future is uncertain. What is their future trends? Can they replace the national currencies? Shall I buy them in?

Apart from bitcoin, that dominate the market at the moment, are there others worth investing? What are the possible risks? How to make my transactions and on which platforms?

All these and many more questions are to be answered before making your final decision.

We will find out some of these solutions together with you, and follow up the market, provide valuable analysis, judgment and investment advice.

 

Top 50 Cryptocurrencies

As a result of our analysis, we compile a list of about 50 digital currencies worth investing in their ranks of priority, consult us to obtain such a listing updated monthly against a minor price.

 

 

Digital Currency Technology Consulting

Here below are some useful information:

Digital Currency - Definitions and Variations

  • Digital Money
  • Electronic Money
  • Electronic Currency
  • Network Money
  • Virtual Currency
  • Cryptocurrency
  • Mobile Digital Wallets

We will tell you something about the basics of digital currencies and their variations.

 
 

Cryptocurrency Technology

  • distributed ledger technology
  • blockchain
  • cryptography

Information and consultation about founding technologies of cryptocurrencies.

 

Cryptocurrency Mining

  • Multicurrency mining pool
  • Cloud Mining
  • Pool Mining

Here you will find some of the major mining tools and solutions for cryptocurrencies.

 

Cryptocurrency Developer Tools

  • Bitcoin Cash
  • Cryptocurrency Widgets & Plugins

Additional technologies and solutions for developing cryptocurrencies based systems.

 

Follow us to gain a real time development of the digital currency business.

 

2017-11-22 How Banks Adopt Cryptocurrencies
 
 
 

Digital Currencies Investment Consulting (DiCIC)

Digital currencies have seen a dramatical surge over the last years, and their future is uncertain. What are their future trends? Can they replace the national currencies? Shall you buy them in? Apart from bitcoins, that dominate the market at the moment, are there others worth investing? What are the possible risks? How to make my transactions and on which platforms? All these and many more questions are to be answered before making your final decision.

We will find out some of these solutions together with you, and follow up the market, provide valuable analysis, judgment and investment advice.