Finance

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Understand risks involved in FinTech and Stock markets

Risk-reward spectrum. All of you would have heard from it finance, economics or really any other business courses at school or university. We all know

Man using a calculator

Here are 4 tips to follow to manages effectively your finances

Personal financial management is a complex arena. It involves the fields of deposits, retail investments, insurance and treasury. While most of us are only concerned

Technology

Paypal

X.com, PayPal, and the origins of the FinTech revolution

Banking has always been a tedious affair. Before the advent of the internet, banking involved going to the nearby branch and queuing up for a

Stock Charts

Automated trading systems for the busy professional to trade with

Trading is quite a popular hobby amongst working professionals nowadays. It exposes you to the Stock Exchanges and gives you a better understanding of companies

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It Support Northampton

everything about pc's

It Support Northampton

For the first time since the first quarter of 2012, the global sales of the personal computer’s for a company who provides IT Support Northampton company (PCs and computers in general) in the industry posted a positive year-on-year growth during the second quarter of 2018.  Market research and intelligence companies International Data Corporation (IDC) and Gartner pegged this growth at 2.7% and 1.4% respectively over the same period in 2017.  All the top 5 manufacturers of PCs and computers (HP, Lenovo, Dell, Apple and Acer) saw their sales grow during this time.

PCs and computers have seen a steady decline in sales for over half a decade due to the increase in popularity and usage of mobile devices, particularly smartphones.  With the continuous improvements of the computing capabilities of smartphones as well as the wider reach of mobile internet, consumers became more accustomed to using smartphones for social media activities, scheduling their day, online banking and online shopping.  As more people relied on their smartphones for these activities due to their versatility and convenience, PCs and computers became less needed.

Analysts attribute this year’s PC industry growth to two major reasons:  first, the shift of enterprises to Windows 10, and second, the increase in gaming PC sales.

pc on desk

Windows 10 upgrade

Organizations from both the public and private sectors have been migrating to Windows 10 for the past few years.  As of early 2018, over 80% of the world’s PCs and computers use the Windows operating system (OS).

As Microsoft ended its support for Windows 10’s predecessor, Windows XP in 2014, government agencies and private businesses began migrating to the newer OS.  The surge in PC sales this year was brought about mainly by the late adopters in the market, and some analysts foresee that this may continue for the next two years.

Understandably, entry-level PCs and computers used for common office computing activities like e-mail, word processing, spreadsheet computations, and slide presentations were the popular choices for this purpose.  Mid-level specifications for activities like photo and video editing were not among the high-gainers in terms of sales.

laptop

PC gaming

From the release of the Amstrad, the first “mass-market” gaming PC in 1984 until recent years, it has always been the trend that gaming PCs and computers, with their top-of-the-line processing power, large storage, high-quality video resolutions and sound quality belonged to the most expensive consumer PC segment.

Due to the price point of these machines, only a fortunate few were able to keep up with the software and hardware upgrade requirements for playing the latest AAA-rated games.  However, as other devices such as gaming consoles and mobile phones became more powerful, PC gaming gradually declined in terms of market share.  Moreover, savvy gamers eventually learned how to purchase their own components and assemble their own PCs and computers in order to get the best performance at a lower cost than if they purchased a branded, pre-assembled machine that would be difficult or expensive to upgrade.

In recent years, improvements in the manufacturing, assembly and distribution processes of PCs and computers allowed the top manufacturers to make gaming PCs more affordable.  Moreover, the manufacturers adapted to the market trends and made PC upgrading an easier and more pocket-friendly process that still gave consumers the necessary customer support and warranties.  With these advantages, the manufacturers’ gaming PC products increased in popularity again and the gaming segment is seen to be a bright spot for the future of the PC industry.

It is worth noting that there are different speculations about the current growth in this industry.  Some analysts believe that the decline in sales of PCs and computers has finally flattened out while others believe that it will still go down in the future.  For now, manufacturers and distributors are hopeful that PCs and computers will be here to stay despite the trend favouring mobility and small sizes, and more consumers are satisfied that PCs have become more affordable for everyone.

 

Understand risks involved in FinTech and Stock markets

STTA Consulting Charts

Risk-reward spectrum. All of you would have heard from it finance, economics or really any other business courses at school or university. We all know what it means in general. Risk-reward curve is a directly proportional relationship where, as the risk increases, the potential reward increases.

What many need assistance with, is how to effectively apply this concept to our financial worlds. As all of us delve into online banking, automated trading and the world of FinTech, we need to understand carefully the risks involved at this point of time. We understand the rewards – Less time spent, simplicity, user-friendliness and better performance.

billie dollar with business chart 1150 750 - Understand risks involved in FinTech and Stock markets

Let us take two cases, the world of the stock market and that of technology. When it comes to technology, the risks are that most nations haven’t adapted their financial regulations to cover the activities of FinTech companies. This means that certain facets such as online banking, payment transfers and insurance through FinTech is still going through the process of approval in many countries.

As such regulations are debated at national level, users already use apps and web platforms that help with their finances. FinTech solution providers do have risk management solutions, and try to cover for any losses incurred whilst using their platforms. But as users, we can never be too careful. Reading through the entire terms and conditions of a FinTech platform is the first place to begin. In addition, obtaining as many reviews from users within your legal jurisdiction helps.

laptop tablet and phone along with graphics 1232 1070 - Understand risks involved in FinTech and Stock markets

When it comes to the stock market, the risk-reward spectrum is more straightforward. Risks involve stock volatility, unpredictability in terms of company performance and management, unpredictability in terms of EBITDA and Capital investments that can erode cash etc. With so many variables that cannot be controlled, how do we effectively manage risk and still reap the benefits of high rewards?

Really, the best thing to do is learn as much as possible about the company, in terms of historic performance, management strength, commitment to innovation, shareholder opinions, exposure to uncertain geographies (if any) and so on. You should also keep track of financial indicators such as Earnings per Share (EPS) and Price to Earnings ratio (P/E). And finally, go through annual investor reports to get a refined idea of the company’s balance sheets and income statements.

Ultimately, preparation and learning are key to effective risk management, when it comes to technology and the stock market. You may still get it wrong, but you reduce the probability to getting it wrong.

Here are 4 tips to follow to manages effectively your finances

Man using a calculator

Personal financial management is a complex arena. It involves the fields of deposits, retail investments, insurance and treasury. While most of us are only concerned with a couple of these categories, we have often heard that diversification of the financial portfolio is the smart thing to do. To diversify a portfolio, we have to be aware of basic finance management at first.

In this post, we will provide a few tips on basic budget and expense management. To give a bit of context, FinTech is based entirely on simplicity and prudency. If you are not good at the basics, FinTech is not of much help to you. Note that you don’t need a finance or accounting degree to follow any of these tips. (more…)

X.com, PayPal, and the origins of the FinTech revolution

Paypal

Banking has always been a tedious affair. Before the advent of the internet, banking involved going to the nearby branch and queuing up for a long time until the cashier or the banker was available to address your query. Not one consumer would have looked forward to it. (more…)

Automated trading systems for the busy professional to trade with

Stock Charts

Trading is quite a popular hobby amongst working professionals nowadays. It exposes you to the Stock Exchanges and gives you a better understanding of companies and their quarterly performances. It is also a great way to increase disposable income if you know how to play the game right. (more…)

3 resources we curate to delve in detail into the FinTech world

FinTech STTA Consulting

We have provided some online resources for the viewer to go through to get an idea of FinTech trends. These resources help you get a brief insight on numerous topics that affect Finance.  While it is important to stay abreast of such topics, it also helps to go through materials that can offer you a more detailed insight into a particular topic.

For this purpose, STTA consulting brings you many tools that you can use, such as e-books and tips. These have been assembled from across the internet and validated personally in terms of content. Some are content that we have created ourselves and charge a menial amount to distribute. In this post, we will describe some of these. (more…)

How banks used to have all the power over you till now

STTA Consulting

About 50 years back or more, you could safely say that banks had all the power in their relationship with you. With limited competition and the additional hassle of moving your funds from one bank to another, banks didn’t have the concern of bad customer service leading to a loss of clients. It is safe to say that that has changed today.

Banks today cannot afford to be complacent. The relationships with clients, forged over a long period of time, is under threat from exciting and hassle-free FinTech startups and service providers. Many banks have had an issue of unnecessary regulatory or otherwise procedures. Even for the simple issue of single a car loan, many banks make you go through tedious amounts of documentation. (more…)

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