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Sergey Savastiouk's Avatar
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Feb 26, 2021

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.

Related Ticker: GOOGL

GOOGL sees MACD Histogram crosses below signal line

GOOGL saw its Moving Average Convergence Divergence Histogram (MACD) turn negative on April 16, 2024. This is a bearish signal that suggests the stock could decline going forward. Tickeron's A.I.dvisor looked at 49 instances where the indicator turned negative. In of the 49 cases the stock moved lower in the days that followed. This puts the odds of a downward move at .

Price Prediction Chart

Technical Analysis (Indicators)

Bearish Trend Analysis

The 10-day RSI Indicator for GOOGL moved out of overbought territory on April 12, 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 45 similar instances where the indicator moved out of overbought territory. In of the 45 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 70 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 April 11, 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.

Bullish Trend Analysis

The Momentum Indicator moved above the 0 level on April 17, 2024. You may want to consider a long position or call options on GOOGL as a result. In of 93 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are .

GOOGL moved above its 50-day moving average on March 18, 2024 date and that indicates a change from a downward trend to an upward trend.

The 10-day moving average for GOOGL crossed bullishly above the 50-day moving average on March 22, 2024. This indicates that the trend has shifted higher and could be considered a buy signal. In of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are .

Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where GOOGL advanced for three days, in of 351 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 323 cases where GOOGL Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are .

Fundamental Analysis (Ratings)

Fear & Greed

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 93, 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 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 SMR rating for this company is (best 1 - 100 worst), indicating 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 Valuation Rating of (best 1 - 100 worst) indicates that the company is slightly overvalued 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 (19.638). P/E Ratio (26.802) is within average values for comparable stocks, (49.308). 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 (110.312).

Notable companies

The most notable companies in this group are Alphabet (NASDAQ:GOOG), Alphabet (NASDAQ:GOOGL), Meta Platforms (NASDAQ:META), Spotify Technology SA (NYSE:SPOT), Baidu (NASDAQ:BIDU), Pinterest (NYSE:PINS), Tencent Music Entertainment Group (NYSE:TME), Snap (NYSE:SNAP), Twilio (NYSE:TWLO), Zillow Group (NASDAQ:Z).

Industry description

Companies in this industry typically license software on a subscription basis and it is centrally hosted. Such products usually go by the names web-based software, on-demand software and hosted software. Cloud computing has emerged as a major force in this space, making it possible to save files to a remote database (without requiring them to be saved on local storage device); as long as a device has access to the web, it can access the data and the software programs to run it. This has in many cases facilitated cost efficiency, speed and security of data for businesses and consumers. Alphabet Inc., Facebook, Inc. and Yahoo! Inc. are some well-known names in the internet software/services industry.

Market Cap

The average market capitalization across the Internet Software/Services Industry is 58.43B. The market cap for tickers in the group ranges from 1.11K to 1.94T. GOOGL holds the highest valuation in this group at 1.94T. The lowest valued company is MSEZ at 1.11K.

High and low price notable news

The average weekly price growth across all stocks in the Internet Software/Services Industry was 1%. For the same Industry, the average monthly price growth was 1%, and the average quarterly price growth was 53%. BBUZ experienced the highest price growth at 100%, while TRFE experienced the biggest fall at -38%.

Volume

The average weekly volume growth across all stocks in the Internet Software/Services Industry was -2%. For the same stocks of the Industry, the average monthly volume growth was -6% and the average quarterly volume growth was -53%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 46
P/E Growth Rating: 72
Price Growth Rating: 58
SMR Rating: 84
Profit Risk Rating: 92
Seasonality Score: -13 (-100 ... +100)
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GOOGLDaily Signal changed days agoGain/Loss if shorted
 
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A.I.Advisor
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A.I. Advisor
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General Information

a holding company with interests in software, health care, transportation and other technologies

Industry InternetSoftwareServices

Profile
Fundamentals
Details
Industry
Internet Software Or Services
Address
1600 Amphitheatre Parkway
Phone
+1 650 253-0000
Employees
18502
Web
https://www.abc.xyz
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#latest#popular#patterns#artificial_intelligence#trading#technical_analysis
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