What’s the Difference Between Fintech and Techfin?
Fintech’s disruptive potential cannot be understated. Recent analyses from the US Treasury Department and KPMG (the creator of the vaunted, twice-yearly “Pulse of Fintech” report) have offered a rosy outlook for the space, which continues to threaten the way traditional financial institutions do business.
But for all the talk of creating a new financial paradigm, increasing numbers of companies are seeing the value of collaboration with fintech as a path to growth. This allows banks and fintech firms to leverage each other’s strengths – banks offer brand recognition, established trust, experience operating at scale and with regulatory compliance, plus ample capital. Fintech firms bring creativity, agility, digital infrastructure, and a customer-first mindset to the table – while mitigating their weaknesses (and avoiding direct competition). Traditional financial institutions can transcend their legacy systems, while fintech firms can scale profitably in ways previously elusive – assuming both parties can get out of each other’s way.
Meanwhile, a new type of service called techfin offers a new, different type of disruptive potential. Techfin describes a technology company who finds a better way to deliver financial products as one of their many offerings. Tech giants like Google, Facebook, Amazon, and Apple fall under this umbrella, reaping the advantages of their existing infrastructure. Fintech, on the other hand, typically refers to a non-traditional financial service that uses digital technology to provide a better experience (think Tickeron, PayPal or Venmo). Traditional banks can also offer fintech services (for example, through now-ubiquitous mobile banking apps) without truly being a fintech firm.
Techfin companies leverage their technical faculties to create a competitive advantage. In the era of big data, these companies use their skills in data collection and analysis to identify problems, build personalized solutions, and increase engagement, all in real-time. They are already digital and efficient, with large customer bases; most importantly, they have the brand recognition enjoyed by the biggest names in banking. That built-in trust means consumers are willing to take a chance on techfin financial products, all of which are built on the foundation of a superior technical experience.
Consumers are the ultimate winners in the competition between fintech and techfin, regardless of how the competition unfolds over time. Traditional institutions that can leverage the power of digital solutions will find success with customers who demand frictionless banking; technology companies with existing advantages can provide excellent financial services directly to their existing customers. They are two sides of the same coin – and customers continue to reap the benefits.
Tickeron is a Fintech Company with Artificial Intelligence-Powered Trade Ideas
Hedge funds and large institutional investors have been using Artificial Intelligence to analyze large data sets for investment opportunities, and they have also unleashed A.I. on charts to discover patterns and trends. Not only can the A.I. scan thousands of individual securities and cryptocurrencies for patterns and trends, and it generates trade ideas based on what it finds. Hedge funds have had a leg-up on the retail investor for some time now.
Not anymore. Tickeron has launched a new investment platform, and it is designed to give retail investors access to sophisticated AI for a multitude of functions:
- Finding stock patterns in the market
- Finding trends in the stock market
- Testing portfolios to see if they are well-diversified
- Back-testing statistics to see how different stock patterns generated trading results
- Making Predictions for price movements in the future, with “A.I. Rank” and level of confidence in the trade.
And much more. No longer is AI just confined to the biggest hedge funds in the world. It can now be accessed by everyday investors. Learn how on Tickeron.com.
Momentum Indicator for GOOGL turns positive, indicating new upward trend
GOOGL saw its Momentum Indicator move above the 0 level on December 06, 2024. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 87 similar instances where the indicator turned positive. In of the 87 cases, the stock moved higher in the following days. The odds of a move higher are at .
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for GOOGL just turned positive on December 09, 2024. Looking at past instances where GOOGL's MACD turned positive, the stock continued to rise in of 49 cases over the following month. The odds of a continued upward trend are .
GOOGL moved above its 50-day moving average on November 26, 2024 date and that indicates a change from a downward trend to an upward trend.
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where GOOGL advanced for three days, in of 362 cases, the price rose further within the following month. The odds of a continued upward trend are .
The Aroon Indicator entered an Uptrend today. In of 318 cases where GOOGL Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .
Bearish Trend Analysis
The 10-day RSI Indicator for GOOGL moved out of overbought territory on December 18, 2024. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 49 similar instances where the indicator moved out of overbought territory. In of the 49 cases, the stock moved lower in the following days. This puts the odds of a move lower at .
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In of 72 cases where GOOGL's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are .
Following a 3-day decline, the stock is projected to fall further. Considering past instances where GOOGL declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
GOOGL broke above its upper Bollinger Band on December 10, 2024. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 90, placing this stock better than average.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating outstanding price growth. GOOGL’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (6.821) is normal, around the industry mean (11.194). P/E Ratio (26.802) is within average values for comparable stocks, (48.888). Projected Growth (PEG Ratio) (1.626) is also within normal values, averaging (3.441). Dividend Yield (0.000) settles around the average of (0.026) among similar stocks. P/S Ratio (6.435) is also within normal values, averaging (19.660).
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General Information
a holding company with interests in software, health care, transportation and other technologies
Industry InternetSoftwareServices