2015年07月15日

刻在滄桑的流年裏

行走在紅塵俗世,多少未竟的心事寂寞了流年。把曾經的光陰研磨成一片素白,用心為墨灑出淡香幾朵,在月下執筆,於風中落墨,寒來暑嬰兒濕疹往風霜雨雪中,都是無聲的述說。寒冷的人生裏,多想用一抹暖意,融化時間的冰冷。任思緒輕輕舞動,潛心傾聽歲月裏悠遠的馨香,不禁勾動起我對太多往事的沉思與念想。這份思念讓我知道我還有屬於人間的溫度。歲月裏點點輕暖,讓逐漸冰冷的心不再孤寂,讓我相信,也許這世間還有一份真愛,還有一份深深的牽念,這牽念沉香了歲月,蒼老了等待。

生命中,總有難舍的一頁。最初的相遇,總會用一種美好在心裏氤氳情猶如陽光般明媚,愛猶如月亮般溫馨,心情猶如星星般璀璨。擦肩而過後竟是萬水千山,歷盡相思難訴衷腸,靜夜獨嬰兒濕疹立唯留愴然,曾經的一切,再也回不到從前。紅塵阡陌,所有的相逢都沒有預期。不是所有的相逢都會有美麗的結局。自你走後,我用點點墨香繾綣了流年,凝固了所有的美好。時光流逝,歲月輪轉,經年以後才發現所有的心動,只能鐫。世事無常,再回首早已物是人非。

春去秋來,寒來暑往。我們在磨礪中成長,經歷了太多過往,淡忘了太多曾經。經過的苦難都會變成堅強的意志,當我們在歲月的風霜裏漸次領悟時,終於可以感歎的說:“生活裏還有什麼事情是我們不能面對的呢?”我們的心境在一場場磨難中昇華,淩厲滄桑後多了嬰兒濕疹份成熟與穩重,不會再次徘徊於現實與夢境中,知道了自己需要的是什麼
posted by lousy cat at 11:31| Comment(0) | 日記 | 更新情報をチェックする

2015年07月08日

giant the ING Group and insurance group PSN

Spanish startup Fintonic has closed a €25 million (~$28M) Series B funding round to expand into new markets in Latin America and continue developing the product. Investors in the round include banking and financial services giant the ING Group and insurance group PSN.

The personal finance management app is aimed at consumers wanting help managing their money — such as getting overviews and alerts about their expenses. Currently Fintonic is available in two markets: Spain and Chile; and has more than 400,000 users at this point 香港護眼中心 .

The app also generates a proprietary credit score, based on its visibility of users’ linked bank and credit card accounts, and uses its analysis of transaction and spending data to suggest relevant financial products to users (currently loans and insurance products) reenex 好唔好 .

The startup effectively acts as a broker for third party financial services products, with its business model based on taking a commission from any signs up for these financial products — though it says all sales commission terms for third party products are the same, so it is not incentivized to suggest certain ones over others.

At this point the in-app marketplace includes loan and insurance products from more than 50 companies.

With its new funding in the bank, Fintonic says it has an update coming shortly, in a matter of “weeks”, for the insurance marketplace.

It also says it’s looking at other functionalities it could add — to keep broadening the value proposition for users.

Fintonic users need to link their bank and credit card accounts to the app, via their bank access credentials. In return they get help managing their finances, such as via spending analysis and alerts aimed at helping them save and stay on budget.

The app can generate alerts for things like the renewal date of an insurance or deposit; bank fees and overdrafts; or when their spending is exceeding a personal budget allocation.

Users can be anonymous; only an email and password is required to register. And Fintonic says it does not store ID, name or surname during registration.

The app supports linking with 100 banks across the markets it operates in at the moment. Though users can synchronize as many accounts as they choose, provided integration is supported.

Fintonic’s proprietary credit score — which it calls a FinScore — is used to help match users with relevant loan or insurance products. It’s also another signal for the company to analyze how well a user is managing their personal finances and what they might need to do to improve.

It says the score is calculated via a proprietary machine learning technology — based on criteria such as “the debt to income, cash flow trends, financial behavior with direct debits”.

Earlier investors in Fintonic include Ideon Financial Solutions, the investment funds Inception Capital and Onza Capital and Atresmedia. The Madrid-based startup was founded in 2012 China VPN Service.

A similar US startup, called Dave, launched its own personal finance management app back in April — also applying AI to help alert people to bad spending patterns. Albeit Dave’s twist is to offer small payday loans with 0% interest to help its users cover any short term shortfalls in their monthly finances. Though it does also charge users a $1 per month fee to use the app. (Whereas Fintonic is free to use.)



posted by lousy cat at 15:54| Comment(0) | 日記 | 更新情報をチェックする

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