Jouko Ahvenainen

Jouko Ahvenainen

Jouko is a serial-entrepreneur, e.g. co-founder of Grow VC Group, a pioneer in digital finance and fintech solutions, including digital investing and p2p lending. He participated in changing US finance regulation, getting the Senate and President to allow crowdfunding and has worked with EU and Asian finance regulation. Jouko started his work with crowdfunding models in 2008.

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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Anti-globalization policies meet the unstoppable rise of AI and disruptive tech

Anti-globalization policies meet the unstoppable rise of AI and disruptive tech

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

Key Western markets are adopting protectionist trade policies, but the rise of Asia, automation, digital technologies and AI could make that difficult. The world is going through a turbulent time. The policies of the new US presidential administration, potential trade wars and the rise of Asia are together going to have a fundamental influence on […]

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Legacy companies, legacy thinking and the fear of the unknown

Legacy companies, legacy thinking and the fear of the unknown

Written by on September 8, 2016 in Guest Blog with 2 Comments

I had a meeting with an incumbent company in an industry. We talked about opportunities to utilize data and analytics. They commented that it is so easy for startups to do anything with data, but they have their regulation, internal processes, legacy IT systems and responsibilities. I tried to be polite and understand their problems, […]

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Apple needs its ‘next big thing’ to stop revenue drop

Apple needs its ‘next big thing’ to stop revenue drop

Written by on August 5, 2016 in Guest Blog with 0 Comments

Apple’s earnings are down according to the latest quarterly report. And iPhone sales are down. There are also rumors that Apple will need to postpone its car launch till 2021. After very long growth and huge iPhone success, Apple is now in a situation where it must really find new growth areas. The Apple Pay […]

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Digital space presents complex legal and ethical questions

Digital space presents complex legal and ethical questions

Written by on July 6, 2016 in Guest Blog with 0 Comments

According to the news, hackers were able to steal digital currency Ether tokens (on the Ethereum platform) equivalent of more than $50 million in June. The Ethereum community has solutions to freeze and return stolen tokens. The hacker group Anonymous has conducted cyber attacks against terrorist organizations. Technology companies like Facebook and Apple want to […]

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