Jouko Ahvenainen

Jouko Ahvenainen

Jouko Ahvenainen is a serial-entrepreneur and Co-Founder of Grow VC Group, a holding entity including over 10 companies, a pioneer in digital finance, fintech and data analytics solutions. Jouko started his work with digital finance and fintech models in 2008 and listed world-class influencer. He participated in changing US finance regulation, getting the Senate and President to allow JOBS Act and has worked with EU and Asian finance regulation.

Legacy banks meet fintech innovation: result – M&A frenzy?

Legacy banks meet fintech innovation: result – M&A frenzy?

Written by on November 13, 2017 in Guest Blog with 0 Comments

FinTech is disrupting the finance industry to the point where we’re likely to see quite a bit of M&A activity as a result. That activity could take several different forms, but one likely possibility is that FinTech or tech companies could acquire traditional finance names. It appears the transition for banks to really utilize FinTech […]

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Banking ain’t what it used be – in some cases it’s getting even worse!

Banking ain’t what it used be – in some cases it’s getting even worse!

Written by on October 5, 2017 in Guest Blog with 0 Comments

A banker asked me, do I really believe fintech can change the banking business. I told him, let’s think about a typical bank account, its user gets one salary payment, pays a few bills and handles some card transactions each month, do you really need one-billion-dollar IT systems, 10,000 people and hundreds of branches to […]

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Disruption: FinTech is simplifying financing options everywhere

Disruption: FinTech is simplifying financing options everywhere

Written by on September 5, 2017 in Guest Blog with 0 Comments

In many industries – such as airlines, retail, and media – disruption has been linked to new low-cost, almost commodity-type services. Southwest Airlines and Ryanair paved the way for low-cost flights, online news has become a commodity, and retail chains like Walmart, Aldi and Lidl have created a new cheap-prices-always category. The common theme is: […]

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We need more control over how a company uses our data

We need more control over how a company uses our data

Written by on August 11, 2017 in Guest Blog with 0 Comments

We need new solutions for collecting and using data that strikes the right balance between consumer benefits and control over their own data. I was looking for the opening hours of a local supermarket in San Francisco from Google Maps. When I found them, Google also told me an interesting additional detail: “You visited this […]

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Data analytics is great, but how can you use it to make money?

Data analytics is great, but how can you use it to make money?

Written by on July 11, 2017 in Guest Blog with 0 Comments

You have probably heard stories about how data analytics changes the whole customer experience, and how a store can personalize everything for you. The go-to example was Tesco, which was the role model for loyalty programs and customer analytics – until it encountered serious issues in its business and started to lose market share to […]

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Making the whole ecosystem work is key to FinTech success

Making the whole ecosystem work is key to FinTech success

Written by on June 28, 2017 in Guest Blog with 0 Comments

I was at an event recently where alternative finance companies introduced their services. There were many new finance solutions for lending, real estate, investing and short-term finance. These companies explained how they have built their own platforms, have handled some finance (millions or dozens of millions), and are now looking for more investors. After witnessing […]

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What the decline of newspapers can teach the finance industry

What the decline of newspapers can teach the finance industry

Written by on June 15, 2017 in Guest Blog with 0 Comments

The traditional finance industry seems unprepared for digital disruption. The experience of the newspaper business could teach banks a thing or two. Amazon announced recently that its lending business is gaining momentum – in the last 12 months alone, it has issued $1 billion in loans in the past year to merchants that sell on […]

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What makes banks and telcos bad at customer experience?

What makes banks and telcos bad at customer experience?

Written by on May 31, 2017 in Guest Blog with 0 Comments

Telcos and banks struggle with delivering a good customer experience despite being competitive markets. Michael Porter’s competition analysis model could explain why. I was in Italy and needed mobile data, as I was without a broadband connection. I bought three SIM cards, never got exactly what was promised and one sales person even refused to […]

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Behind the scenes, FinTech is transforming investments

Behind the scenes, FinTech is transforming investments

Written by on April 24, 2017 in Guest Blog with 0 Comments

Crowdfunding emerged a few years ago with many promises  to help to raise capital for startups, make the investment market more democratic, and make the whole market more effective. It has created a new market, not only for startup funding, but for real estate and later-phase private companies. At the same time, FinTech might have […]

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Distributed ledger technology and the democratisation of finance

Distributed ledger technology and the democratisation of finance

Written by on March 24, 2017 in Guest Blog with 0 Comments

The emergence of startup hubs and FinTech trends like digital currencies and distributed ledger technology are changing the balance of the world’s finance hubs towards more democratic finance services that represent everyone – and that’s a good thing. We are witnessing the shift in the geopolitical environment and how machines can change institutional structures. At […]

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