Blockchain opportunities with Notarify

Notarify is one of the leading international Blockchain service providers, with a network of thousands of customers and present in different countries. Since its foundation in 2018, the company leverages an integrated model that provides solutions for data and document notarization in Blockchain: from storaging to sharing, from identification and KYC to electronic signature.

Notarify services touch different areas of expertise: from Fintech, Insurtech, and Legaltech to services dedicated to training and education, through software integration, and even for public administration to simpler services such as the commercial or logistics area.

On the funding side, they have raised almost one million euros thanks to two crowdfunding campaigns and they are currently expanding in the Italian market with important partnerships. Furthermore, they have already opened offices in Luxembourg and the Arab Emirates.


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amnis and innovative services for SMEs

amnis is a fintech startup from Switzerland that offers an international payment platform for SMEs to transfer money abroad, collect payments, and exchange currencies, all within a single tool. amnis was founded back in 2014 to reshape international banking for SMEs.

In recent months amnis has achieved incredible milestones: in just 1 year it has expanded from 1 to 6 countries and opened 4 further offices in Vaduz, Vienna, Prague, and Milan and they have customers from over 25 different countries. The biggest milestone, however, was announced just a few days ago: they’ve successfully closed a financing round of 8.6 million.

Collaborations are crucial, especially in the rapidly growing fintech sector: for some new features, external knowledge and resources must be combined to achieve the best possible outcome.
The amnis goal is to build an innovative, digital ecosystem to be able to benefit from the best technologies and knowledge, from video identification for customer onboardings to accounting system integrations.

The international team of more than 30 people is a unique combination of interdisciplinary experience and product knowledge, and all are highly motivated to build the SME banking solution.
In Italy, the team has 2 people and they will hire another 3-4 people in the next 12 months. They are currently expanding in all areas and locations to double the team by the end of this year.


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How Soldo helps companies manage expenses

Soldo has recently joined the ranks of the Payments start-ups and scale-ups belonging to the Fintech District community. To better understand its business, we interviewed Founder and CEO Carlo Gualandri.

What does Soldo do and who is it aimed at?

Soldo is the leading European Spend Automation Platform, for businesses of all sizes. Beyond employee expenses and T&E, Soldo streamlines spend management for purchases, advertising, software subscriptions, e-commerce purchases, and all other company costs. From decision to allocate funds to departments and projects to the execution of outbound payments with cards or bank transfers, from the automated classification and reconciliation of transactions to the integration with accounting platforms Soldo delivers a unified and connected vision of spend across the entire organisation. Today, thousands of organizations across Europe, including small, medium and large businesses, use Soldo to manage spend the brighter way.

How has it grown in recent months?

Soldo has attracted a total of $260 million from international institutional investors including $180 million in the latest C round that will be used to increase turnover tenfold to 200 million euros in the four years after the pandemic. Soldo is expanding in Europe, where Soldo already has offices in Italy, United Kingdom, Ireland and France, and is continuously developing its platform to address and automate all the different types of company spend.

Have you done or would you like to do any open innovation projects? What kind and with whom?

At Soldo innovating in both software and financial services is part of our DNA. We support companies open innovation with a range of initiatives that allow the integration of the Soldo platform into the custom business logic of our clients allowing them to fully control our architecture according to their needs and we are constantly experimenting also with financial institutions on how they could make our proposition part of their product offering for selected segments of the market.

How is your team structured?

Soldo is a real European company, our team comprises people from over 27 nationalities, and there is no single headquarter as both London, Rome and Dublin each is the base of a number of divisions that in turn then interact with the teams present in each country we serve that contribute with the specialised knowledge and understanding of each market. We have currently over 350 employees and we are constantly growing.

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Purchase of judicial or tax claims with Profit Farm

Among the many innovative finance platforms that are appearing on the market is Profit Farm, founded in 2021 and is already reaping excellent results. CEO Roberto Macina told us about it.

What does Profit Farm do and who is it aimed at?

Profit Farm is a lending crowdfunding platform where users can finance the purchase of judicial or tax credits. For example, the VAT generated by bankruptcies or uncollected receivables that small businesses have from the public administration: a product that until now has been reserved for institutional investors and proven inaccessible to small private savers. All users of the platform are free to participate in crowdfunding operations, which are published from a minimum funding of €500 and can earn up to 8% per year on the sum paid in.

How are you growing?

After launching in March 2021, we managed to generate very interesting numbers in the first months of operation. In 2021 alone, we have closed 10 campaigns, with a total value of 800k, and above all we have already returned two operations with an average interest rate of 6.75%. These results, in terms of positioning and user acquisition, were made possible thanks to a first round of investment from Business Angels led by Carmine Saladino, CEO of Essematica, for a total of 300k.

Are you interested in open innovation projects?

The FinTech ecosystem is very important for Profit Farm. It would certainly be useful to offer our product to customers of other FinTechs and to dialogue with institutions with whom to establish useful partnerships to offer more products for financing. We are sure that joining the Fintech District community will help us in this regard.

How is your team composed?

The team is made up by professionals in the NPL sector such as lawyers Cristiano Augusto Tofani and lawyer Francesco Sibilla, synergistic with experience in digital as founders of other startups, both mine and that of Mario Costanzo.

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Adecco, Fintech & People

Fintech companies are full of talent and people with strong skills, and job positions in this sector continue to grow. Innovation in the financial sector has led to the creation of new jobs and roles. Today, we talk about this with Adecco, Professional Partner of Fintech District.

 Who exactly is Adecco and what do you do? 

Adecco is the company of The Adecco Group that develops and enhances human capital. 

It is the leading employment agency in Italy: every day we contribute to matching job supply and demand. We respond to the needs of protection, guarantee, and professional continuity of workers and meet the need for transformation expressed by companies in a world of continuous change.

Thanks to a team of 2,000 professionals and more than 300 branches throughout Italy, Adecco employs more than 45,000 people every day and is a partner to more than 11,000 clients.

Who are you addressing and what do you offer? What is your uniqueness and your added value?

We relate to companies and candidates every day: on the one hand, we help companies to take advantage of new growth opportunities by responding to the need for flexibility and quality with dedicated solutions and tailor-made services; on the other hand, we are a true partner for candidates and support them in their search for new job opportunities and in achieving their goals. 

Our uniqueness lies in guiding candidates through all stages of their career path and offering companies the best solutions to their needs. This is possible thanks to all the Adecco professionals who are active throughout the country. 

Why did you become interested in fintech? What opportunities do you see in this sector?

As Adecco, we have chosen to develop a specialized division – Adecco Financial Services – to support companies and candidates in the fintech sector, which is becoming increasingly popular in the market.

Having worked in the fintech sector for many years now, we have realized how the combination of technology and finance is becoming increasingly important. A company like Adecco, synonymous with innovation, start-ups, and the future of work, could only bring added value to companies and candidates in the panorama of new opportunities born in this sector.

How can you support the fintech community as a Professional Partner?

Adecco is part of the most important multi-brand platform of HR solutions and services. Thanks to our ecosystem we are therefore a valuable support for companies and candidates. We will provide the fintech companies of the Community with our know-how and experience in HR management, to support them in the growth, training (upskilling and reskilling), development, and management of human resources.

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MDOTM: Artificial Intelligence in the Asset and Wealth Management Industry

In 2021, MDOTM became the European leader in AI-driven investment strategies after raising a Series-B round and doubling Assets under Advisory (AuA). The company plans to open a New York office and expand its international operations. Representing one of the most active innovation hubs in Europe, Fintech District talked with MDOTM’s CEO Tommaso Migliore about how and where the industry is going. He also discussed how Fintech’s technology assists Asset and Wealth Managers, the rising popularity of Open Innovation partnerships with financial institutions, and the industry’s best practices for ensuring AI explainability and reliability in investments.

Tommaso, how can AI be used to improve the investment process? And how is it helping institutional investors improve their decision-making?

Making an investment decision is a very complicated and thorough process, you need to factor in a lot of information, and today, we live in an abundance of information. To get an idea, IBM estimates that about 90% of data has been created in the last two years alone, and this is not stopping any time soon. Quantitative approaches have been used for many years to support the investment process: from estimating expected risk and returns to building portfolios and managing risk. So why does it make sense to talk about Artificial Intelligence in investing? After decades of research, AI has grown to be a mature technology and has become the logical next step to bring a more adaptive and forward-looking way for managers to build holistic investment views by identifying information hidden in the noise of data. Today it can be used to build portfolios or enhance the strategic and tactical asset allocation.

Research shows that Open Innovation partnerships between Financial Institutions and Fintechs are rapidly growing. What makes them a win-win? And what are the key elements for success?

Over the last years, theAsset and Wealth Management industry has been on a journey of rapid change accelerated by massive regulatory shifts and a new competitive environment. And nowadays to compete you need to change and adapt even faster. Artificial Intelligence is bringing us into the assisted decision-making era, in which specialisation is crucial. This has led to the rise of Open Innovation partnerships, where fintech companies use their specialised know-how to develop new technologies and partner with financial institutions to support them in developing solutions that are more tailored and adaptive for end clients. Partnerships like these allow institutions to access cutting-edge technologies, acquire specialised know-how, shorten time-to-market, and reach new clients – making this a real win-win situation.

AI explainability and reliability have become a top priority, especially in investments. How did you manage to embed it into your proprietary AI? Could you give us some practical use cases?

Explainability is a non-negotiable aspect. In this sense, achieving explainability in Artificial Intelligence requires two main dynamics: the technology itself, and the internal processes. For example, when building ALICE® – our proprietary AI methodology – we embedded explainability right into the design of our systems. We didn’t develop the technology as ‘one big brain’, we developed it as a series of chains where the input is not necessarily connected with a respective output, it’s rather a series of inputs and outputs that ultimately connect together to create a final decision. This series of chains allows us to go back and track exactly what were the main drivers behind every decision that the technology makes. Regarding our internal processes, we have two teams. The first one being our R&D department of over 40 people, blending physicists, engineers, and finance experts who constantly supervise and enhance our AI. The second is the Mission Control team, which monitors the learning rate of our models and periodically meets with clients to explain the rationale behind ALICE’s insights to align their portfolios to the current market regime. This duet creates a process in which there’s a further effort to ensure that the technology is understandable and trackable.

Where do you think the Asset and Wealth Management industry is headed? What are your next steps?

What the last years have shown us, is that Artificial Intelligence and technology are here to stay. This industry is undergoing a massive change driven by increasing complexity and lower marginality. Technology has become the answer in order to cope with these dynamics. This is something not just in Europe, we’ve perceived it from our client base in the UK, Benelux, and the US – a real global-scale phenomenon. The future evolution of this phenomenon is twofold, on the one hand, client interaction will be completely digitalised, and on the other – thanks to Artificial Intelligence – assisted decision-making will be a must. The latter will allow for more adaptability and flexibility when it comes to making investment decisions, and will render the future of the asset and wealth management industry more adaptive, technological, and tailor-made for the final client.


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SMEs and investors, CrescItalia responds to both

CrescItalia is a fintech player constantly evolving and experiencing a moment of acceleration that has also included its entry into the Fintech District community. CEO Mattia Donadeo Spada describes its activities, growth and future objectives.

What CrescItalia does and who it addresses?

CrescItalia is a fintech acting as a hinge between non-bank capital and companies, with the aim of facilitating the meeting between the Italian entrepreneurial fabric and investors. Thanks to our integrated digital servicing platform, we accompany institutional investors in the processes of evaluation and validation of trade receivables, as well as in the management of investment operations. SMEs, in turn, find on the platform an intuitive, user-friendly environment that can be integrated with their existing ERP for access to our solutions, such as financing and invoice assignment. CrescItalia’s activity is therefore aimed at both categories: on the one hand, asset managers and institutional asset managers as well as institutional investors for whom we structure and manage alternative asset funds, guaranteeing compliance and real- time control of operations; on the other hand we find the SMEs to whom we provide these instruments.
At present, our platform manages the entire operation of the solution for the assignment of credits with the non-recourse formula, which makes the risk of insolvency fully borne by the investor. We initially focused on this solution because it is in great demand among companies, that can obtain immediate liquidity without having to be reported to the Central Risk Service and without having to pay an annual fee. CrescItalia thus quickly disburses the fee to the supplier according to the the supplier and according to the agreements reached, usually up to a maximum of 90% in advance and the rest in a subsequent balance, net of the costs of the transfer. We also operate in the field of reverse factoring and medium/long-term financing (minibonds).

How it has grown since its inception and its current numbers?

CrescItalia was founded in 2013 with the aim of offering innovative solutions to support the growth of small and medium-sized Italian companies. After an initial phase of activity in the specialised sector of minibonds with servicing and advisory operations for SGRs, in 2017/2018 we invested heavily in the development of a platform that would manage and monitor alternative asset funds in a streamlined and customised way. Since 2019 we have expanded our operations with the tried and tested and highly effective proprietary dynamic scoring module and the management of assignor and debtor side operations.

CrescItalia is now a lean and agile company, at the forefront of the Italian fintech scene and fintech landscape. It differs from other fintechs because of its decision to validate and build the elements of the business model by always confronting the market, thanks to which it has managed to do so. Thanks to this, it has been able to grow organically, financing capital investments until 2020 with capital increases covered entirely by the initial shareholders. In 2021, in anticipation of a more ambitious growth phase, it listed a fully subscribed bond on the Vienna Stock Exchange.
In terms of traction, CrescItalia has structured and/or serviced six alternative asset funds for over EUR 540 million with prestigious partners, and a further two are planned for 2022, for a further EUR 225 million. On the conveyancing side, in the field of invoice invoices, the volume in 2020 was EUR 17.928 million for 1886 invoices. In the first 8 months of 2021 the volume was EUR 13.738 million for 1065 invoices.

Is CrescItalia interested in open innovation projects? Have you already already done any?

To date, CrescItalia has not participated in any open innovation projects. Rather, at the moment, we are trying to collaborate with other fintechs and corporations to encourage and participate in projects that promote Open Banking for legal entities’ accounts (companies and VAT numbers).

How is your team composed?

We are experiencing a phase of strong acceleration in recent months, with important investments in growth and consolidation of the working team. Thanks to an intense recruiting campaign, the team has grown from seven people in May 2021 to twenty in December of the same year. Not only have new senior figures joined the team, but have an operations structure in the operations area.

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Opening Italian alternative funds to retail clients’ investments

Investment regulations are constantly evolving, generating innovation and new solutions for investors. We talked about it with Giovanni Carotenuto from Carotenuto Studio Legale, an independent law firm with an international vocation.

On 15th March 2022, the Decree of the Minister of Economy and Finance no. 19 of 13th January 2022 (the “Decree”) was published in the Official Gazette, which amending the Ministerial Decree no. 30 of 5th March 2015 in order to redefine the conditions for participation in Italian alternative investment funds (“AIFs”) by retail clients, holding medium/large assets. The Decree will come into force on 30 March 2022.

What is an undertaking in a collective investment scheme and which are its main features?                             

Pursuant to Article 1, paragraph 1, sub-paragraph k), of the Legislative Decree no. 58 of 24th February 1998 (the Consolidated Law on Finance; “CFA”) an undertaking in a collective investment scheme (“UCI”) is a “body set up to provide the service of collective asset management, whose capital is obtained from multiple investors through the issue and offer of units or shares, managed upstream in the investors’ interests and independently by the same, and also invested in financial instruments, credit, including credit backed, in favour of subjects other than consumers, by the UCI’s capital, equity or other fixed or non-fixed assets, on the basis of a predetermined investment policy”.

In brief short, UCI’s purpose is to allow investments of sums of money in through financial instruments (e.g., the UCI’s units) of sums of money collected from professional and retail investors on the basis of a predetermined policy, which includes a description of the level of risk related to such investments.

UCIs can take the form either of mutual funds or investment companies (namely, investment companies with a variable capital (i.e., SICAVs) or investment companies with a fixed capital (i.e., SICAFs)). The investment in the latter amounting amounts  to becoming a shareholder of the company in question.

On the contrary, a mutual fund requires the appointment of an asset management company whose assets are distinct and separated from those of the mutual fund managed. As a result, investors receive a fund’s units in exchange for the capital invested therein.

As part of the wider family of mutual funds, AIFs are specialised alternative funds, professionally managed with the aim of achieving absolute performance, independent of market trends.

Which are the main novelties introduced by the Decree?

As a general remark consideration, the Decree has changed the thresholds for making investments in AIFs. Indeed, beforehand, only the following subjects were entitled to purchase in AIFs’ units:

  1. professional investors (i.e. clients who possess the necessary experience and expertise to make their own informed investment decisions and properly assess the risks they take, such as banks, investment firms, other authorised or regulated financial institutions, insurance companies, collective investment schemes and related management companies, pension funds and management companies, large companies that have at least two of the following requirements: their total balance sheet is equal at least to  € 20,000.000; a their net turnover is equal at least to € 40,000.000 and owns funds of at least € 2,000.000);
  2. retail investors who invest a total amount of not less than € 500,000.00;
  3. asset management company’s Board members and employees without any entry threshold.

From the entry into force of the Decree, AIFs can be subscribed by:

  1. retail investors who, within the ambit of an investment advisory service, purchase AIFs’ units for an initial amount not lower than € 100,000.00, provided however that the total amount of such investment does not exceed 10% of their financial portfolio and takes into account that the initial minimum subscription cannot be split.
  2. individual portfolio managers purchasing AIF’s units on behalf of retail clients for an initial amount not lower than € 100,000.00.

As a result, which opportunities for investemnt in AIFs are now available for retail clients?

AIFs are investment funds characterised by: the absence of a link to a particular benchmark, the presence of a fairly high potential return and, consequently, a medium-high risk profile. Moreover, AIFs have a low correlation with the various equity and bond markets.

As a consequence of the entry into force of the Decree, retail investors with medium/large assets are hence being offered the possibility of gaining returns on their investments even when the market trend is in a negative phase, yet bearing at the same time the related risks.

In light of the foregoing, access to these forms of alternative investments to a wider category of potential investors in medium/long term illiquid assets and unlisted companies, may result in increasing portfolios diversification, achieving appreciable returns, and at the same time, providing alternative sources of financing Italian unlisted companies (particularly, SMEs) and fostering Italy’s economic recovery.

The Decree has also established that intermediaries purchasing AIFs’ units on behalf of retail clients and those advising the latter to subscribe to such units must know the financial instruments purchased or recommended, as well as assess their compatibility with their (actual or potential) clients’ best interest. In addition, the latter must provide the above intermediaries with accurate information on concerning their financial portfolio and other investments in AIFs.

How will these novelties impact on an innovative and agile reality such as the Fintechs in our community?

In this scenario, Fintech companies may benefit from the opening of retail investments, particularly in the venture capital and private equity sectors. Given the constant need for higher investments in the real economy, the novelties introduced by the Decree represent a potential boost in the alternative funds’ market, increasing, in turn, the ability to raise capital for the development of start-ups/SME’s with greater development potentials, amongst which we find Fintech companies.

Full banking licence or e-money licence? Here’s what you need to know

SOLARISBANK, the pan-European player in Banking As A Service, has shared a guide to clarify the differences in banking licenses to help you make the right choices for your business.

If you’re a business that’s thinking of working with a Banking-as-a-Service provider, one of the first decisions you’ll have to make is which licence you’ll need: full banking licence, or e-money licence?

It’s also a crucial one. Your decision will determine the direction your business will take, what services you can or can’t offer your customers, and even how you market yourself.

In this article, we’ll explore the key differences between a full banking licence and an e-money licence, their pros and cons, and the reasons you’d choose one or the other.

What’s a full banking licence?

A full banking licence certifies that you meet the legal criteria to operate as a bank. Having this licence means you can:

  • Offer payment services
  • Manage customers’ deposits
  • Offer interest-bearing accounts
  • Issue credit cards, loans, and other lending products
  • Offer other financial services products such as bancassurance and wealth management
  • Use the term ‘bank’ in your name and marketing materials
  • Give customers the peace of mind that their deposits are protected by a deposit protection scheme (up to €100k per depositor)

In Germany, a full banking licence is known as a CRR credit institution licence or, more commonly, as a deposit credit institution licence. In addition to the full banking licence, it’s also possible to apply for a licence for individual regulated activities.

To get a full banking licence, you need to apply to the financial services regulator in the country where you want to operate and prove that you meet the criteria. That said, in the Eurozone it’s the European Central Bank that ultimately decides whether to approve an application.

In practice, the national financial services regulator — in Germany, this is BaFin, the Federal Financial Supervisory Authority — receives licence applications and makes preliminary decisions. The ECB then reviews the decisions and confirms them, applies additional conditions, or rejects them.

Because every EU country’s banking laws must meet minimum standards, EU banking licences enjoy what are called passporting rights. So, having a licence in one EU country — Germany, for instance — allows you to offer your services in other EU countries and in the EEA.

How do you get a full banking licence?

First things first, you’ll need to meet a minimum capital requirement. This is an amount of money you must set aside over and above any customer deposits. Banks must also contribute to a depositor protection scheme. By law, if a bank fails, customers have a right to get their money back, up to a maximum of €100,000 per customer.

Alongside minimum capital requirements, you must provide the regulator with extensive documentation. This includes, amongst many other things:

  • A business plan that explains how you’ll manage customers’ money and your strategy for becoming and staying profitable
  • A rundown of your organisational structure, that is how you’re going to manage and run the bank and comply with the law on an ongoing basis
  • A list of potential conflicts of interest

Regulators also conduct a series of comprehensive interviews, plus thorough background checks to ensure the key people who own and run the bank are ‘fit and proper’. The idea is to make sure that those who are in charge or have a say in the bank’s business are trustworthy and have the right knowledge and experience, so your money is safe.

What’s an e-money licence and how do I get one?

An e-money licence allows you to offer payment services and some other financial services products, but not operate as a bank or use ‘bank’ in your name or marketing materials.

Broadly speaking, e-money institutions can:

  • Accept customer funds and change them into e-money, but not manage them. Customers can use e-money accounts as digital wallets, but they can’t earn interest on them or go overdrawn
  • Offer debit cards, account-to-account transfers, standing orders, and direct debits, but not lending as a standalone product.
  • Offer some digital financial services products, such as foreign currency exchange

Like full banking licences, e-money licences issued in EU countries have passporting rights, which means you can offer your services in the rest of the EU and EEA.

That said, it’s national financial services regulators who approve applications. The ECB isn’t involved. The licence application process is also shorterand less comple, and the minimum capital requirement is a much lower €350,000. And, because you can’t take risks with client money (more on this in a minute) there’s no need to join a depositor compensation scheme.

Full banking licence vs e-money licence: what are the pros and cons?

The single biggest difference between banks and e-money institutions is that banks can do four things e-money institutions can’t:

  • Manage customers’ money, including investing it or using it to issue loans to other customers at a profit
  • Offer interest-bearing accounts
  • Offer standalone lending products like mortgages or personal loans
  • Hold additional licences. Alongside banking business, banks can also obtain special licences — a payment institution licence, or a securities trading licence, for instance — that allow them to offer a broader range of products and create additional revenue streams

Of course, because banks can take risks with customers’ money, they have to follow very strict regulatory requirements, and are under somewhat more scrutiny than e-money institutions. Which means there’s less flexibility when it comes to how you operate.

By contrast, e-money institutions must keep customers’ money safe in a segregated account with a licensed bank. You can’t touch customers’ money or take any risks with it. Needless to say, this requirement means that, as an e-money institution, you’re dependent on third-party providers, which can make you somewhat less nimble.

Lastly, most e-money licences have limits on transaction volumes, which can restrict how quickly and how much you can scale.

The upside is that e-money licences were specifically designed to allow non-banks to compete with banks. Because there are restrictions on what types of services you can and can’t offer, there’s more operational flexibility. And this allows you to be more agile and innovate more quickly.

Lixi Invest, e-learning for responsible investing

In the Fintech District community, partners play a key role and contribute to the growth of start-ups and scale-ups. Each does this in its own way, offering expertise and experience. In Lixi Invest‘s case, this is explained in this interview.

What does Lixi Invest do and who does it address?

Lixi Invest is a company founded in 2018 and now employing 18 people on a daily basis. Our business model is based on an e-learning platform focused on financial literacy, investing and financial planning: committed to helping investors and savers invest strategically, consciously, and efficiently.
We teach people how to manage their money by following a solid financial planning process, from zero to the investor. Specifically, we pursue our mission by selling memberships, books, digital courses, and newsletters geared toward private savers and investors. Our business model revolves around getting new leads through advertising and educational content, in turn nurturing them these by leveraging free newsletters, videos, blog posts, podcasts, and infographics on different platforms. Finally, the prospects who are keen on taking things to the next level can buy our advanced digital courses and memberships.

Who are you addressing and what do you offer? What is your uniqueness?

Our uniqueness stems from the holistic approach we have towards investing, based on the top -tier academic and scientific literature available. As an agile e-learning platform we have been able to be the first on the Italian market to develop products and services best serving private investors’ interests and investment planning needs covering every stage of the investors’ lifecycle. Unlike the our competitors, we are not forced to launch every two months low – quality products and services in order to supply for the cash – flow needed to run a business in the e-leaning market. We have a loyal, satisfied and recurrent customer base which is expanding thanks to our wide – ranging advertisement campaigns.

Why have you become interested in fintech? What opportunities do you see in this sector?

Fintech is the natural evolution of our company’s growth path. We’re grateful to the world of training and we are willing to mantain our educational vocation which allowed us to reach tens of thousands of investors, but we want to take a step further towards this sector. By leveraging technology, we would like to further improve our investment planning solutions’ efficiency and usability.
We are confident that fintech could be the chance to simplify investors’ money life and investments. Our method, expressed through a new, fast and intuitive form has the potential to hugely impact savers and investors life. The fintech sector is extremely inspiring and innovative. We want to be an active part of the network revolving around it.

How can you, as a Professional Partner , support fintechs in the community?

Lixi Invest is laser focused on the needs, fears, wishes and desires of flesh and blood investors. Our community comprises more than 25.000 savers and investors and it is an ideal starting point to build a permanent observatory with the purpose of gathering data, statistics and insights related to saving habits, investments and personal finance in general. It would be interesting to discuss these topics within the community and to provide our expertise: after all, we are “investor experts” before being investment experts.

Find out more about Lixi InvestAegis SCF