Rakuten wesentlich besser als Rocket

WHY BRICK-AND-MORTAR STORES ARE HERE TO STAY
DECEMBER 1, 2017

Hiroshi "Mickey" Mikitani, Chairman and CEO, Rakuten, Inc.

Physical retail has a bright future.

This may sound counterintuitive – especially coming from a company like Rakuten, which was founded as an e-commerce marketplace. But as Rakuten has grown and expanded its services to include banking, credit cards, communications, media and other services around the world, we are able to see the way in which physical retail will thrive going forward. It will do so in partnership with digital innovators.

rakuten.today/mickeysvoice/physical-retail-bright-future.html

"You might assume that the majority of Rakuten Card transactions are on our e-commerce services, like Rakuten Ichiba. But one of the reasons that Rakuten Card is now the leading credit card in Japan in terms of transaction value is that transactions on non-Rakuten services have grown to around 80% of the total, and that includes a large proportion spent at brick-and-mortar stores. Shoppers have embraced the internet but they have not abandoned the process of visiting physical stores."

Quelle, siehe 751

www.nabilbank.com/personal/card-e-banking/...bil-viber-banking

A big like for digital banking
Drugi jezik na kojem je dostupan ovaj članak: Bosnian

Raiffeisen BANK dd Bosnia and Herzegovina is enabling its customers to do business with the Bank at a higher level, using the services in the field of digital banking. These service improvements aim at creating more satisfied clients who can do their business with the Bank in just a few clicks. With the whole package of digital banking you literally become your own banker, because this will certainly be Handy Banking, according to the Raiffeisen Bank dd BiH.
What is deserving of the “big like for digital banking” is a completely new service – the Raiffeisen Viber Chat, through which you can get informed about the latest offers from the Bank, calculate the installments for a loan, or find out where the nearest branch or ATM is located.

www.media-marketing.com/en/news/...new-offer-and-new-campaign/

www.f1soft.com/viberbanking/

Viber brings good vibes to Addiko Bank’s chat banking payments
Written by Antony Peyton
8 Sep 2017

Austrian banking group Addiko has unveiled chat banking for its customers – the “first ever” Viber-based financial transaction service available in Croatia.

Called “Addiko Chat Banking”, it’s a digital banking service that, in partnership with Comtrade Digital Services and communication platform Viber, enables customers to directly communicate with the bank and make payments.

Mario Žižek, Addiko Bank Croatia CEO, says clients are asking for “modern services that make their daily finances easier, faster, more practical and available at all times” and its chat banking “does exactly that, it allows our clients to instantly send and transfer money”.

www.bankingtech.com/2017/09/...ko-banks-chat-banking-payments/

Hungarian Forint (HUF) transfers between KDB Bank and other Hungarian banks on behalf of KDB Bank clients are fulfilled quickly and reliably. Using VIBER transfer system means that transfers between two Hungarian banks are completed on the same day.

Hungary and KDB Bank Europe have left behind a tough period filled with challenges caused by adverse international and domestic developments. As the only Korean bank in Hungary, we offer our uniqueness rooted in a corporate culture marked by strong work ethic and efficient business manner. We are supported by the financial power of our parent bank, a global player and acknowledged expert in corporate and development finances.

www.kdbbank.eu/huf-bank-to-bank-transfers-viber

The Himalayan Times > Business > Global IME launches Viber banking
Global IME launches Viber banking
Published: November 03, 2017 4:50 am

KATHMANDU: Global IME Bank has started Viber banking for the first time in Nepal. Costumers of the bank can get information about the services of the bank through their mobile, laptop and personal computers.

According to a press release issued by the bank, costumers would have to register their mobile number with the ‘Global Smart Mobile Banking’ service to activate the Viber banking service. Accountholders can check their bank statements and get information about credit card, loan facilities and other services through Viber banking facility.

thehimalayantimes.com/business/...ime-launches-viber-banking/

quotes.wsj.com/RKUNF/research-ratings

Mobile Money Transfer Service
________________________________________
EMRE GÜNEN — 08/12/2016

Western Union and Viber have created a money transfer experience that will start and complete within the chat interface of Viber, not only providing the convenience of never leaving the app, but also contextualizing money transfer within the personal relationships it supports. Earlier this year, both companies announced Viber users in the United States could send money to more than 200 countries and territories worldwide.

Leveraging Western Union’s proprietary WU ConnectTM FinTech platform, this new capability allows consumers to send up to £400 when using a credit or debit card to be received in cash at more than 500,000 Western Union Agent locations in more than 200 countries and territories. If transferring to a bank account, consumers can send up to £500. As part of this launch, consumers transferring money from the app to a bank account can take advantage of a zero transfer fee offer, for a limited time.

fintechtime.com/en/2016/12/...r-mobile-money-transfer-service/

CREDIT AGRICOLE BANK LAUNCHES CUSTOMERS INFORMING VIA VIBER
04 July 2017

Credit Agricole Bank continues to move towards digitalization and expand its electronic channels of communication with customers. From now on, customers will be able to receive informational messages from the bank via Viber.

Viber features make it possible to generate messages in Cyrillic characters that are longer than SMS. In addition, images and links can be added to a Viber message. Due to this, customers will be able to receive information from the bank in a more user-friendly and understandable form.
If at the time of sending the message, the Viber app on the recipient’s device is not turned on, the message will be delivered in the form of an SMS.

Currently, the bank is planning to send advertising, promotional, greeting and other informational messages on a regular basis.

credit-agricole.ua/en/o-banke/pres-centr/...liyentiv-za-d-436

Rakuten Bank is Japan’s largest digital-only bank with 5.5 million customers, of which 80% are also mobile banking users

Rakuten Bank is Japan’s largest digital-only bank with more than 5.5 million customers. More than 80% of these customers are also mobile banking users. One of the key mobile initiatives of the bank is “Money Support”, a platform that helps customers to view and manage their account balances and transaction histories across different financial institutions that they use. It can also automatically collect and categorise information from around 1,000 financial institutions, including Rakuten Bank, other banks, credit card companies and securities firms, to enable customers to understand their net balances and review transactions.

www.asianbankerawards.com/retailfinancial/...ESS-Rakuten-1.pdf

bei Snap einkaufen, weil sie schon 100% von Viber haben:

www.barrons.com/articles/...rrons&ru=yahoo&yptr=yahoo

beteiligt:

www.crunchbase.com/organization/cafex-communications

McKinsey has published a report looking at the threat to Wall Street banks from so-called platform companies like Amazon, Alibaba, and Rakuten
.
These companies could become the "front end" for big finance, taking a big slice of profits.

The worst-case scenario would put returns on a par with those in 2008, during the worst of the financial crisis.

www.businessinsider.de/...-says-mckinsey-2017-10?r=US&IR=T

One example cited in the report is Rakuten Ichiba, Japan's largest online retail marketplace. From the McKinsey report:

It provides loyalty points and e-money usable at hundreds of thousands of stores, virtual and real.

It issues credit cards to tens of millions of members.

It offers financial products and services that range from mortgages to securities brokerage.

And the company runs one of Japan's largest online travel portals.

Plus an instant-messaging app, Viber, which has some 800 million users worldwide.

How is a bank supposed to compete with that?

Quelle: siehe 766

bei Pinterest

Vintage Year
Initial Investment (USD mm)
IRR*


2012
83
+34%

global.rakuten.com/corp/investors/
Und dort unter
Latest IR Materials
Third Quarter 2017
auf
Download
Earnings release, presentation material, Q&A summary and supplement

wird bei 34% Verzinsung in 5 Jahren das 4,32-fache - hier also ein Wert des Pnterest-Anteils um 30.9.17 In Höhe von knapp 360 Millionen Dollar.

Das ist nicht umwerfend, aber es sind schon etwas mehr als Peanuts. Und selbst viele Peanuts ergeben zusammen eine Erdnussfarm.

Ermittlung des Internen Zinsfußes den nachstehenden Wert von 12,3 Milliarden vom Sommer 2017 verwendet hat. Bei einem Börsengang von Pinterest gehe ich von einem wesentlich höheren Wert aus, was auch den Wert von Rakuten über die 360 Millionen hinaus entsprechend erhöhen würde.

Pinterest raises $150M at a $12.3B valuation as it makes a full press into visual search
Posted Jun 6, 2017 by Matthew Lynley (@mattlynley)

Pinterest said today that the company has raised $150 million in additional capital at a valuation of $12.3 billion as it makes a further full-court press on its visual recognition and search pitch to investors and advertisers — and perhaps one day Wall Street.

techcrunch.com/2017/06/06/...a-full-press-into-visual-search/

Ich gehe auch wie der Autor davon aus, dass ich Amazon brennend für Pinterest interessiert, denn meines Erachtens siind für das Verkaufen Emotionen wichtiger als Drohnen- Unter 20 bis 25 Milliarden geht da aber meines Erachtens nichts, was den Wert des Rakuten-Anteils von 360 Millioben auf 720 Millionen verdoppeln würde.

Pinterest may find it difficult to compete with the might of Alphabet on its own. I still believe that an acquisition by Amazon (NASDAQ:AMZN) may be interesting.

Pinterest is venture funded with $1.5 billion in funding from individual investors and funds including Valiant Capital Partners, FirstMark Capital, Fidelity Investments, Bessemer Venture Partners, SV Angel, Andreessen Horowitz, Slow Ventures, Rakuten, Jack Abraham, Max Levchin, Kevin Hartz, Michael Birch, New York Angels, William Lohse, Jeremy Stoppelman, Wellington Management, and Goldman Sachs. Its last round of funding was held in June this year when it raised $150 million in a private listing at an undisclosed valuation. Analysts expect the company to be valued close to $12.3 billion now, compared with $11 billion valuation in 2015. The recent funding round suggests that Pinterest may have delayed plans to list, for now. Some believe that it may go public in 2018.

seekingalpha.com/article/...icorns-pinterest-delays-ipo-plans

meines Erachtens für Amazon am einfachsten Rakuten zu kaufen.

Aber das wird der CEO von Rakuten, dem zusammen mit seiner Ehefrau erhebliche Anteile gehören, wenn auch nicht die Mehrheit, vermutlich nicht wollen.

Zudem gäbe es vielleicht kartellrechtliche Probleme in Japan wegen Ichiba und Amazon Japan, denn eines dieser Geschäfte müsste man vermutlich verkaufen. Vermutlich wäre das  AmazonJapan, das aber Alibaba oder Tencent mit Kusshand kaufen würden.

Interessant ist für Amazon einerseits vor allem Viber, denn das ist meines Erachtens weltweit die einzige Möglichkeit Facebooks Messenger und WhatsApp Paroli zu bieten.

Und andererseits gibt es keine E-Ecommerce-Firma weltwet, die E-Commerce und FinTech/Banking so intensiv verknüpft hat wie Raiuten.

Here's McKinsey (emphasis added):

"We calculated the value at stake for global banking should platform companies successfully split banking in two (Exhibit 9), and found that “manufacturing” — the core businesses of financing and lending that pivot off the bank’s balance sheet — generated 53 percent of industry revenues, but only 35 percent of profits, with an ROE of 4.4 percent. “Distribution,” on the other hand — the origination and sales side of banking — produced 47 percent of revenues and 65 percent of profits, with an ROE of 20 percent. As platform companies extend their tentacles into banking, it is the rich returns of the distribution business they are targeting. And in many cases, they are better positioned for distribution than banks are."

Quelle: siehe Text in #766

gemacht wurde, stand der Kurs bei 1180 im Vergleich zu heutigen 1030.

www.google.de/...64.psy-ab..0.14.1045...0i131k1.0.qUeG6uti3gA

Apr. 11, 2017 3:39 PM ET
There are downside risks from ongoing intense e-commerce competition and fruitless diversification, but also upside from e-commerce/credit card growth and successful diversification.
seekingalpha.com/article/...n-maintain-leadership-will-matter

Meines Erachtens hätten aber die im Text beschriebene Abwägung in die andere Kursrichtung führen müssen.

wollte genau vor einem Jahr rein und nun steht der Kurs tiefer, wie weit kann es denn deiner Ansicht nach noch runter gehen oder meinst du wir haben den Boden schon gefunden?....
Grüße
Paco