Internet will change the finance sector: make the value chain more effective, get rid of middle men and decrease costs
• The Challenge: • The world’s largest and deepest market is very fragmented. • It’s too difficult for investors to find companies, and vice versa. • 3% of Accredited Investors participate. • New finance regulation (JOBS Act) and other new rules will greatly increase the size
1. Crowdfunding and similar market places enable effective investment and lending models for all kind of investors, companies and assets
2. Market places enable new co-investment and co-lending models, i.e. get many kind of investors and investment models to work together
3. ‘Platforms’ can also ‘automated’ a fund, i.e. investors don’t always have to pay for fund management fees, when a platform with investment criteria and co-investing models can do the same (a kind of index fund)
Do we need banks to transfer money?
What is the role of investment banks in the future?
Why we pay for brokers, if we can find deals ourselves?
Are all fund managers value for money or could we automate their work?