Payments in 2020. Experts share their views, part 2 https://t.co/WgPyjaR53V

Payments in 2020. Experts share their views, part 2https://t.co/WgPyjaR53V

— Hans Hagen (@hanhagen1) December 31, 2019

from Twitter https://twitter.com/hanhagen1

Payments in 2020. Experts share their views, part 1 https://t.co/TdDv32ofsB

Payments in 2020. Experts share their views, part 1https://t.co/TdDv32ofsB

— Hans Hagen (@hanhagen1) December 30, 2019

from Twitter https://twitter.com/hanhagen1

#Greendot CEO steps down as share price has fallen off the cliff in December. https://t.co/u6GkHtJwXC

#Greendot CEO steps down as share price has fallen off the cliff in December.https://t.co/u6GkHtJwXC

— Hans Hagen (@hanhagen1) December 24, 2019

from Twitter https://twitter.com/hanhagen1

Study indicates only 8% of #SME lending needs are covered in the UK. Gives lenders such as #Ferratum large room to service new SME customers.

Study indicates only 8% of #SME lending needs are covered in the UK. Gives lenders such as #Ferratum large room to service new SME customers.

— Hans Hagen (@hanhagen1) December 17, 2019

from Twitter https://twitter.com/hanhagen1

#RBI launches UK's first #biometric #fingerprint #payment fob. Max amount up from £30 to £100. Research shows strong consumer interest for #biometric to #simplify and #secure payments. https://t.co/WZAa70qPtz

#RBI launches UK's first #biometric #fingerprint #payment fob. Max amount up from £30 to £100. Research shows strong consumer interest for #biometric to #simplify and #secure payments.https://t.co/WZAa70qPtz

— Hans Hagen (@hanhagen1) December 8, 2019

from Twitter https://twitter.com/hanhagen1

#Zopa aims for full #banking #license leveraging £140m capital injection https://t.co/7JnxJ9Ijlj

#Zopa aims for full #banking #license leveraging £140m capital injectionhttps://t.co/7JnxJ9Ijlj

— Hans Hagen (@hanhagen1) December 7, 2019

from Twitter https://twitter.com/hanhagen1

3 leading #fintechs in #Africa. #M-Pesa #Flutterwave #MNT https://t.co/3YPialfFD0

3 leading #fintechs in #Africa. #M-Pesa #Flutterwave #MNThttps://t.co/3YPialfFD0

— Hans Hagen (@hanhagen1) December 6, 2019

from Twitter https://twitter.com/hanhagen1

The rise and fall of #Payday loans in the #UK. https://t.co/th66fztue3

The rise and fall of #Payday loans in the #UK.https://t.co/th66fztue3

— Hans Hagen (@hanhagen1) December 5, 2019

from Twitter https://twitter.com/hanhagen1

#France will grind to a halt today due to nationwide strike against pension reform. Brace yourself if you live in France (like me!) https://t.co/NdzMrQEzw1

#France will grind to a halt today due to nationwide strike against pension reform. Brace yourself if you live in France (like me!)https://t.co/NdzMrQEzw1

— Hans Hagen (@hanhagen1) December 5, 2019

from Twitter https://twitter.com/hanhagen1

#AntFinancial creates an #investmentfund of up to $1Bill to support startups in payments & financial services in India and Southeast Asia. https://t.co/O3AxfJkusS

#AntFinancial creates an #investmentfund of up to $1Bill to support startups in payments & financial services in India and Southeast Asia.https://t.co/O3AxfJkusS

— Hans Hagen (@hanhagen1) December 4, 2019

from Twitter https://twitter.com/hanhagen1

#NatWest launches #Bo, an #app-only banking service, to compete with the likes of #Monzo, #Revolut, #Starling and #Ferratum. https://t.co/OOJ9aXSu3k

#NatWest launches #Bo, an #app-only banking service, to compete with the likes of #Monzo, #Revolut, #Starling and #Ferratum. https://t.co/OOJ9aXSu3k

— Hans Hagen (@hanhagen1) December 3, 2019

from Twitter https://twitter.com/hanhagen1

#SwatchPay launched in AT and DE with #Wirecard. #TapandGo with your watch and leave your wallet at home! https://t.co/ZKOFu3Bh4y #Ferratum

#SwatchPay launched in AT and DE with #Wirecard. #TapandGo with your watch and leave your wallet at home! https://t.co/ZKOFu3Bh4y#Ferratum

— Hans Hagen (@hanhagen1) November 30, 2019

from Twitter https://twitter.com/hanhagen1

#Xiaomi service #MiCredit to launch in India. Uses phone activity data to create credit profile of users. https://t.co/Ht2FDKlcGD

#Xiaomi service #MiCredit to launch in India. Uses phone activity data to create credit profile of users.https://t.co/Ht2FDKlcGD

— Hans Hagen (@hanhagen1) November 29, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecard partners with #HereMobility to enable mobility payment services in major car manufacturers such as #Audi, #BMW and #Daimler. https://t.co/PZXq94n6eB

#Wirecard partners with #HereMobility to enable mobility payment services in major car manufacturers such as #Audi, #BMW and #Daimler.https://t.co/PZXq94n6eB

— Hans Hagen (@hanhagen1) November 26, 2019

from Twitter https://twitter.com/hanhagen1

4 learnings from #Embedded Finance conference. https://t.co/9I39xYpKEC

4 learnings from #Embedded Finance conference. https://t.co/9I39xYpKEC

— Hans Hagen (@hanhagen1) November 25, 2019

from Twitter https://twitter.com/hanhagen1

#OPay by #Opera raises another $120Mill in Series B to expand in #Nigeria and other African markets. https://t.co/fvIINxGO3L

#OPay by #Opera raises another $120Mill in Series B to expand in #Nigeria and other African markets. https://t.co/fvIINxGO3L

— Hans Hagen (@hanhagen1) November 21, 2019

from Twitter https://twitter.com/hanhagen1

#BNPPARIBAS' #Nickel enters Spain with #ONCE partnership. India and Africa are also on the wishlist. (article in FR) https://t.co/002gWJmGvG

#BNPPARIBAS' #Nickel enters Spain with #ONCE partnership. India and Africa are also on the wishlist. (article in FR)https://t.co/002gWJmGvG

— Hans Hagen (@hanhagen1) November 16, 2019

from Twitter https://twitter.com/hanhagen1

#Google dresses up and forks out 2.1B for #wearables company #Fitbit. https://t.co/tFxDPSlsdB

#Google dresses up and forks out 2.1B for #wearables company #Fitbit. https://t.co/tFxDPSlsdB

— Hans Hagen (@hanhagen1) November 15, 2019

from Twitter https://twitter.com/hanhagen1

RT @mashable: What's in an iPhone? These scientists made an iPhone smoothie to find out https://t.co/DxvsX3jfLC

What's in an iPhone? These scientists made an iPhone smoothie to find out pic.twitter.com/DxvsX3jfLC

— Mashable (@mashable) November 15, 2019

from Twitter https://twitter.com/hanhagen1

#Google adds branded location pins to #Googlemaps. Welcome to the world of intrusive advertising. https://t.co/PoT572t0NO

#Google adds branded location pins to #Googlemaps. Welcome to the world of intrusive advertising. https://t.co/PoT572t0NO

— Hans Hagen (@hanhagen1) November 14, 2019

from Twitter https://twitter.com/hanhagen1

RT @KenHughesIE: It's quite cold out here, but the Wi-Fi signal is amazing! https://t.co/ORgnmwoVqi

It's quite cold out here, but the Wi-Fi signal is amazing! pic.twitter.com/ORgnmwoVqi

— Ken Hughes (@KenHughesIE) November 13, 2019

from Twitter https://twitter.com/hanhagen1

#Walmart and #GreenDot extends #partnership and established #TailfinLabs, a #startup accelerator. #BaaS https://t.co/iysgHHzzan

#Walmart and #GreenDot extends #partnership and established #TailfinLabs, a #startup accelerator. #BaaShttps://t.co/iysgHHzzan

— Hans Hagen (@hanhagen1) November 13, 2019

from Twitter https://twitter.com/hanhagen1

2 in 5 in #LATAM workers have no bank or savings account. "There is a definite need in Latin America for banking services that address consumer demand" acc to #EIU #Temenos report https://t.co/02GMGIL0Ut

2 in 5 in #LATAM workers have no bank or savings account. "There is a definite need in Latin America for banking services that address consumer demand" acc to #EIU #Temenos reporthttps://t.co/02GMGIL0Ut

— Hans Hagen (@hanhagen1) November 12, 2019

from Twitter https://twitter.com/hanhagen1

5 most important job #skills: 1) EI, 2) creativity, 3) flexibility/adaptability, 4) data literacy, 5) Tech savviness https://t.co/5hdNNnGRzl

5 most important job #skills: 1) EI, 2) creativity, 3) flexibility/adaptability, 4) data literacy, 5) Tech savvinesshttps://t.co/5hdNNnGRzl

— Hans Hagen (@hanhagen1) November 4, 2019

from Twitter https://twitter.com/hanhagen1

US #payday lenders pivot to installment loans following regulatory scrutiny and rate caps https://t.co/pEsLI0l7EN

US #payday lenders pivot to installment loans following regulatory scrutiny and rate capshttps://t.co/pEsLI0l7EN

— Hans Hagen (@hanhagen1) October 31, 2019

from Twitter https://twitter.com/hanhagen1

#VING in Scandinavia saved by Norwegian investor #Stordalen. Great news for Ving's customers and employees! https://t.co/6zpveQwzue

#VING in Scandinavia saved by Norwegian investor #Stordalen. Great news for Ving's customers and employees! https://t.co/6zpveQwzue

— Hans Hagen (@hanhagen1) October 30, 2019

from Twitter https://twitter.com/hanhagen1

How to explain #Agile to your grandpa so you verify that you know agile yourself. https://t.co/QHXyBR8P7c

How to explain #Agile to your grandpa so you verify that you know agile yourself. https://t.co/QHXyBR8P7c

— Hans Hagen (@hanhagen1) October 26, 2019

from Twitter https://twitter.com/hanhagen1

#mastercard truly adding more payment capabilities, now with #PaybyBankapp. Pay online without any card in sight! https://t.co/XkJgrXW6qu

#mastercard truly adding more payment capabilities, now with #PaybyBankapp. Pay online without any card in sight!https://t.co/XkJgrXW6qu

— Hans Hagen (@hanhagen1) October 25, 2019

from Twitter https://twitter.com/hanhagen1

#mastercard on #blockchain principles. https://t.co/aWHLqqhHIe

#mastercard on #blockchain principles.https://t.co/aWHLqqhHIe

— Hans Hagen (@hanhagen1) October 24, 2019

from Twitter https://twitter.com/hanhagen1

Mass exodus from #Facebook's #Libra Association. #Paypal #eBay #Stripe #Visa #Mastercard #MercadoPago https://t.co/3gpJnuvLSX

Mass exodus from #Facebook's #Libra Association.#Paypal #eBay #Stripe #Visa #Mastercard #MercadoPago https://t.co/3gpJnuvLSX

— Hans Hagen (@hanhagen1) October 23, 2019

from Twitter https://twitter.com/hanhagen1

#GLobalWealthReport. Emerging markets drive prosperity for middle classes, but 57% of world pop have wealth < $10K. https://t.co/odpqxpsm5Q

#GLobalWealthReport. Emerging markets drive prosperity for middle classes, but 57% of world pop have wealth < $10K.https://t.co/odpqxpsm5Q

— Hans Hagen (@hanhagen1) October 23, 2019

from Twitter https://twitter.com/hanhagen1

#Splitit and #Divido partner up to offer a wider specter of #purchasefinancing solutions at merchants' checkout. https://t.co/YYJhuBGn0X

#Splitit and #Divido partner up to offer a wider specter of #purchasefinancing solutions at merchants' checkout. https://t.co/YYJhuBGn0X

— Hans Hagen (@hanhagen1) October 22, 2019

from Twitter https://twitter.com/hanhagen1

#Ferratum and #STARD accounce electric motorsport world premiere. https://t.co/du3OdGhudk #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

#Ferratum and #STARD accounce electric motorsport world premiere. https://t.co/du3OdGhudk#ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

— Hans Hagen (@hanhagen1) October 21, 2019

from Twitter https://twitter.com/hanhagen1

How #Moven went from B2C bank to B2B BaaS provider, pushed by market demand. https://t.co/s5iR9wNiXR

How #Moven went from B2C bank to B2B BaaS provider, pushed by market demand. https://t.co/s5iR9wNiXR

— Hans Hagen (@hanhagen1) October 20, 2019

from Twitter https://twitter.com/hanhagen1

#Forbes contributor: Banks not well positioned to partner with #Fintechs https://t.co/h1dGdltnY7

#Forbes contributor: Banks not well positioned to partner with #Fintechshttps://t.co/h1dGdltnY7

— Hans Hagen (@hanhagen1) October 19, 2019

from Twitter https://twitter.com/hanhagen1

#SeekingAlpha analyst positive to #Wirecard. #Undervalued stock. https://t.co/LKUZoE00Rs

#SeekingAlpha analyst positive to #Wirecard. #Undervalued stock.https://t.co/LKUZoE00Rs

— Hans Hagen (@hanhagen1) October 18, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecardgate and mutual incriminating allegations between #FT and #Wirecard on its accounting practices in Asia. https://t.co/npZx7enQQd

#Wirecardgate and mutual incriminating allegations between #FT and #Wirecard on its accounting practices in Asia.https://t.co/npZx7enQQd

— Hans Hagen (@hanhagen1) October 16, 2019

from Twitter https://twitter.com/hanhagen1

#Kreditech to ramp up its business in #India after successful pilot. https://t.co/SwbgY7NIeX

#Kreditech to ramp up its business in #India after successful pilot. https://t.co/SwbgY7NIeX

— Hans Hagen (@hanhagen1) October 16, 2019

from Twitter https://twitter.com/hanhagen1

#Marcus from #GoldmanSachs fastest of the new lender pack to get to $1B. Eight months only! https://t.co/CFrHdsAiv4

#Marcus from #GoldmanSachs fastest of the new lender pack to get to $1B. Eight months only!https://t.co/CFrHdsAiv4

— Hans Hagen (@hanhagen1) October 9, 2019

from Twitter https://twitter.com/hanhagen1

#Clix gets capital injection to boost consumer lending. https://t.co/rbMiSc21Ym

#Clix gets capital injection to boost consumer lending. https://t.co/rbMiSc21Ym

— Hans Hagen (@hanhagen1) October 8, 2019

from Twitter https://twitter.com/hanhagen1

#Revolut to almost double its geographical reach in new deal with #Visa Inc https://t.co/xsUemk3B7I

#Revolut to almost double its geographical reach in new deal with #Visa Inc https://t.co/xsUemk3B7I

— Hans Hagen (@hanhagen1) October 2, 2019

from Twitter https://twitter.com/hanhagen1

Profit on Profit: Thomas Cook and Co. in the Nordic countries have followed over time

https://luftfart.nu/overskud-pa-overskud-thomas-cook-og-co-i-norden-har-fulgt-med-tiden/

It is easy to get the impression that the entire Thomas Cook Group is a financially winged colossus. But in the Nordic countries, dedicated employees and strong management have created a department of Thomas Cook, who has been making profits year after year.

At home, we know them as Spies, who collaborates with Thomas Cook Airlines Scandinavia on flights to the south sun and heat. Both are ultimately owned by the Thomas Cook Group, which declared bankruptcy early Monday morning, but none of the companies based in the Nordic region are subject to the bankruptcy.

Last year, Spies made a profit of DKK 60 million - the second best in many years - and even if you look back 15 years, there is not one deficit to track. The story goes again at Thomas Cook Airlines Scandinavia, flying for Spies and the other Thomas Cook tour operators in the Nordic countries.

Here the latest profit was DKK 221.3 million before tax.

Good business for the owners

The good results over time have enabled the two companies to lend considerable sums to other companies in the group. Thomas Cook Airlines Scandinavia and Spies had NOK 1.3 billion and NOK 443 million respectively in the latest annual accounts with other companies in the group. In addition, the airline sent DKK 270 million to the owners.

It looks different in the UK where the bankruptcy occurred on Monday morning. A hot summer in 2018, with weakening travel cravings, along with the turmoil around Britain's exit from the EU, was a pervasive theme in explaining the economic emergency landing the Thomas Cook Group had to make on the opposite side of the North Sea on Monday morning.

Although the summer heat also made a mark on sales in the Nordic countries, the Nordic subsidiaries (which also include Ving and Tjäreborg) were the only ones to deliver profits in the first half of 2019 in the Thomas Cook Group. It is achievements like these that have recently given the Nordic branches of Thomas Cook the nickname "the golden egg".

Have followed with time

Thomas Cook Airlines Scandinavia and Spies have managed to stay the course and deliver nice results in a turbulent air space, with low-cost airlines with names like Ryanair, EasyJet and Wizzair gaining ever greater market shares. They, along with the other Thomas Cook companies in the Nordic region, succeeded in doing this because, as time went on, business correspondent Ole Krohn was able to explain late Monday night on TV2:

"We're going to see a continuation of Spies. They have been adept at cutting costs. That is, many of the disadvantages and miseries that the main company has had have been almost a millstone around Spies's neck. Spies has adapted to new times, ”explained Ole Krohn shortly after yesterday's news that the company is on its wings again.

This is thanks in part to the fact that Spies has followed in the low-cost companies footsteps when it comes to sales via the web. Here, Thomas Cook in the UK has held on to physical stores.

And when it comes to Thomas Cook Airlines Scandinavia, it is a company that has recently won the "Travelers Choice" award from TripAdvisor.

Spies and Thomas Cook Airlines Scandinavia have over 1,100 employees. Everyone is employed under contractual terms.

 

#Wirecard enters important global #partnership with world's largest card scheme - Chinese #Unionpay. https://t.co/m8qOqpg4CW

#Wirecard enters important global #partnership with world's largest card scheme - Chinese #Unionpay. https://t.co/m8qOqpg4CW

— Hans Hagen (@hanhagen1) September 23, 2019

from Twitter https://twitter.com/hanhagen1

A sad end to a historic tour operator. #Thomascook https://t.co/IUfRRB1Ml3

A sad end to a historic tour operator. #Thomascook https://t.co/IUfRRB1Ml3

— Hans Hagen (@hanhagen1) September 23, 2019

from Twitter https://twitter.com/hanhagen1

#Tide asks customers to pay extra for good customer support (and some other perks). https://t.co/9eTgO6sLIw

#Tide asks customers to pay extra for good customer support (and some other perks). https://t.co/9eTgO6sLIw

— Hans Hagen (@hanhagen1) September 22, 2019

from Twitter https://twitter.com/hanhagen1

The basics of #BaaS (Banking-as-a-service), incl top providers (according to #BusinessInsider) https://t.co/kVrBNUlcgR

The basics of #BaaS (Banking-as-a-service), incl top providers (according to #BusinessInsider) https://t.co/kVrBNUlcgR

— Hans Hagen (@hanhagen1) September 21, 2019

from Twitter https://twitter.com/hanhagen1

#share price crumbling as #ThomasCook scrambles to avoid collapse. https://t.co/H9rFojeYx5

#share price crumbling as #ThomasCook scrambles to avoid collapse. https://t.co/H9rFojeYx5

— Hans Hagen (@hanhagen1) September 20, 2019

from Twitter https://twitter.com/hanhagen1

#Vocalink study reveals >1 in 10 new bank accounts are with #Fintech banks, and a quarter are used as main current account. https://t.co/MLR4rNqx9s

#Vocalink study reveals >1 in 10 new bank accounts are with #Fintech banks, and a quarter are used as main current account. https://t.co/MLR4rNqx9s

— Hans Hagen (@hanhagen1) September 20, 2019

from Twitter https://twitter.com/hanhagen1

#Contactless payments in the Rome Tube will be implemented by #SIA leveraging its #Tap&Go service. https://t.co/pt58x9jIhe

#Contactless payments in the Rome Tube will be implemented by #SIA leveraging its #Tap&Go service. https://t.co/pt58x9jIhe

— Hans Hagen (@hanhagen1) September 19, 2019

from Twitter https://twitter.com/hanhagen1

#Stripe plans to boost profits significantly with #Expansion, #cards to drive on-us transaction volumes, and #lending. Valued at $22 Bill. https://t.co/TmVTiA92k8

#Stripe plans to boost profits significantly with #Expansion, #cards to drive on-us transaction volumes, and #lending. Valued at $22 Bill. https://t.co/TmVTiA92k8

— Hans Hagen (@hanhagen1) September 15, 2019

from Twitter https://twitter.com/hanhagen1

#Lendkey hits $3Bill milestone, being the lending engine for close to 300 US institutions using the company's turnkey digital #lending-as-a-service platform. Contact #Ferratum for non-US opportunities.

#Lendkey hits $3Bill milestone, being the lending engine for close to 300 US institutions using the company's turnkey digital #lending-as-a-service platform. Contact #Ferratum for non-US opportunities.

— Hans Hagen (@hanhagen1) September 14, 2019

from Twitter https://twitter.com/hanhagen1

#Unsecuredlending in #SouthAfrica not contributing to #financialinclusion as much as it leaves people in a debt trap. #recklesslending. https://t.co/T3D2wEVONZ

#Unsecuredlending in #SouthAfrica not contributing to #financialinclusion as much as it leaves people in a debt trap. #recklesslending. https://t.co/T3D2wEVONZ

— Hans Hagen (@hanhagen1) September 13, 2019

from Twitter https://twitter.com/hanhagen1

#Apple targets professional videographers and photographers with new #iPhone11 PRO. https://t.co/v6X7L92dGl

#Apple targets professional videographers and photographers with new #iPhone11 PRO. https://t.co/v6X7L92dGl

— Hans Hagen (@hanhagen1) September 11, 2019

from Twitter https://twitter.com/hanhagen1

Full speed for #ferratum and #STARD at Lohéac , France! https://t.co/60N2fByqcG

Full speed for #ferratum and #STARD at Lohéac , France! https://t.co/60N2fByqcG

— Hans Hagen (@hanhagen1) September 1, 2019

from Twitter https://twitter.com/hanhagen1

#OpenBanking is not #BaaS (Banking as a service). Quick overview. https://t.co/a3QV7K1sZu

#OpenBanking is not #BaaS (Banking as a service). Quick overview. https://t.co/a3QV7K1sZu

— Hans Hagen (@hanhagen1) August 29, 2019

from Twitter https://twitter.com/hanhagen1

More space for #ApplePay and #Paypal as #JPMorgan decides to shut docn #ChasePay mobile payments in 2020. https://t.co/4dgleFvAOd

More space for #ApplePay and #Paypal as #JPMorgan decides to shut docn #ChasePay mobile payments in 2020. https://t.co/4dgleFvAOd

— Hans Hagen (@hanhagen1) August 28, 2019

from Twitter https://twitter.com/hanhagen1

#Numbrs valued at $1B+ as it raises $40Mill. https://t.co/PLYlBU34Ws

#Numbrs valued at $1B+ as it raises $40Mill. https://t.co/PLYlBU34Ws

— Hans Hagen (@hanhagen1) August 27, 2019

from Twitter https://twitter.com/hanhagen1

#Nickel heading the pack of digital banks in #France, ahead of #N26 and #Revolut. Somehow #KPMG forgot #Ferratum among the 18 listed #neobanks. https://t.co/xFKhltKgqE

#Nickel heading the pack of digital banks in #France, ahead of #N26 and #Revolut. Somehow #KPMG forgot #Ferratum among the 18 listed #neobanks.https://t.co/xFKhltKgqE

— Hans Hagen (@hanhagen1) August 27, 2019

from Twitter https://twitter.com/hanhagen1

#Nickel heading the pack of digital banks in #France, ahead of #N26 and #Revolut. Somehow #KPMG forgot #Ferratum among the 18 listed #neobanks.

#Nickel heading the pack of digital banks in #France, ahead of #N26 and #Revolut. Somehow #KPMG forgot #Ferratum among the 18 listed #neobanks.

— Hans Hagen (@hanhagen1) August 27, 2019

from Twitter https://twitter.com/hanhagen1

Insurers shift focus from Tragedy and loss to Health Benefits with mobile health apps (#mHealth) https://t.co/tFeEt9RIAa

Insurers shift focus from Tragedy and loss to Health Benefits with mobile health apps (#mHealth)https://t.co/tFeEt9RIAa

— Hans Hagen (@hanhagen1) August 26, 2019

from Twitter https://twitter.com/hanhagen1

#N26 now live in #US, launching #Perks program. https://t.co/KZT1OtEWuK

#N26 now live in #US, launching #Perks program.https://t.co/KZT1OtEWuK

— Hans Hagen (@hanhagen1) August 23, 2019

from Twitter https://twitter.com/hanhagen1

#Norwegian Airlines (#NAS) sells its stake in #BankNorwegian to focus on core business, while maintaining a close collaboration with the bank. https://t.co/G4FwmixISU

#Norwegian Airlines (#NAS) sells its stake in #BankNorwegian to focus on core business, while maintaining a close collaboration with the bank. https://t.co/G4FwmixISU

— Hans Hagen (@hanhagen1) August 22, 2019

from Twitter https://twitter.com/hanhagen1

#Ferratum rocks with strong double digit performance on all important KPIs. #fintech https://t.co/stwgAVdnXL

#Ferratum rocks with strong double digit performance on all important KPIs. #fintechhttps://t.co/stwgAVdnXL

— Hans Hagen (@hanhagen1) August 21, 2019

from Twitter https://twitter.com/hanhagen1

#mastercard strenghtens its not-card payments offering with #nets acquisition. https://t.co/JQkjisXsv8

#mastercard strenghtens its not-card payments offering with #nets acquisition. https://t.co/JQkjisXsv8

— Hans Hagen (@hanhagen1) August 20, 2019

from Twitter https://twitter.com/hanhagen1

#cryptocurrency gets focus and resources at #mastercard https://t.co/dvTO90FQXn

#cryptocurrency gets focus and resources at #mastercardhttps://t.co/dvTO90FQXn

— Hans Hagen (@hanhagen1) August 20, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecard aims at growing #US business with new mobile #app. https://t.co/LmVtSTh4Ct

#Wirecard aims at growing #US business with new mobile #app. https://t.co/LmVtSTh4Ct

— Hans Hagen (@hanhagen1) August 19, 2019

from Twitter https://twitter.com/hanhagen1

10 possible effects of a #no-deal #brexit. https://t.co/KqVSgz8RHO

10 possible effects of a #no-deal #brexit.https://t.co/KqVSgz8RHO

— Hans Hagen (@hanhagen1) August 18, 2019

from Twitter https://twitter.com/hanhagen1

#RBS worst in class bank together with #TSB. #MetroBank comes out on top. https://t.co/u2UwOnzyAV

#RBS worst in class bank together with #TSB. #MetroBank comes out on top.https://t.co/u2UwOnzyAV

— Hans Hagen (@hanhagen1) August 17, 2019

from Twitter https://twitter.com/hanhagen1

Location, demographics, digital experience and AI key in battle trad/digital banks. #Fintech #digital #ferratum https://t.co/reGw4jJoPJ

Location, demographics, digital experience and AI key in battle trad/digital banks. #Fintech #digital #ferratumhttps://t.co/reGw4jJoPJ

— Hans Hagen (@hanhagen1) August 16, 2019

from Twitter https://twitter.com/hanhagen1

#Payjoy (US) has raised another 20 mill USD for international expansion to enable #financialinclusion in #emergingmarkets. https://t.co/cm1p9oUa81

#Payjoy (US) has raised another 20 mill USD for international expansion to enable #financialinclusion in #emergingmarkets.https://t.co/cm1p9oUa81

— Hans Hagen (@hanhagen1) August 13, 2019

from Twitter https://twitter.com/hanhagen1

#Revolut includes stock trading service in its premium subscription package. https://t.co/mBcysHYZiq

#Revolut includes stock trading service in its premium subscription package.https://t.co/mBcysHYZiq

— Hans Hagen (@hanhagen1) August 4, 2019

from Twitter https://twitter.com/hanhagen1

#Spotify has tipped 100 mill subscribers and is now at 108 mill. https://t.co/jT63FZTARq

#Spotify has tipped 100 mill subscribers and is now at 108 mill. https://t.co/jT63FZTARq

— Hans Hagen (@hanhagen1) August 3, 2019

from Twitter https://twitter.com/hanhagen1

Boris J setting aside more funds for a "totally avoidable no-deal" according to detractors of the PM's approach https://t.co/GOxASHfN3i

Boris J setting aside more funds for a "totally avoidable no-deal" according to detractors of the PM's approachhttps://t.co/GOxASHfN3i

— Hans Hagen (@hanhagen1) August 2, 2019

from Twitter https://twitter.com/hanhagen1

#VISA interested in parts of #NETS to strengthen its digital payments offering. https://t.co/j06omO0H9X

#VISA interested in parts of #NETS to strengthen its digital payments offering. https://t.co/j06omO0H9X

— Hans Hagen (@hanhagen1) August 1, 2019

from Twitter https://twitter.com/hanhagen1

#Amex reports strong 2Q results as earnings jump 12.5%. FY earnings guidance maintained. https://t.co/gndlRptVIy

#Amex reports strong 2Q results as earnings jump 12.5%. FY earnings guidance maintained. https://t.co/gndlRptVIy

— Hans Hagen (@hanhagen1) July 31, 2019

from Twitter https://twitter.com/hanhagen1

#Mastercard and #Sumup join forces to expand payment acceptance among European #MSME. https://t.co/cKWoIzWcxn

#Mastercard and #Sumup join forces to expand payment acceptance among European #MSME.https://t.co/cKWoIzWcxn

— Hans Hagen (@hanhagen1) July 30, 2019

from Twitter https://twitter.com/hanhagen1

#N26 valuation jumps on US entry, despite a meager 100K customers on waiting list. Valuation now 2x that of #Revolut.

#N26 valuation jumps on US entry, despite a meager 100K customers on waiting list. Valuation now 2x that of #Revolut.

— Hans Hagen (@hanhagen1) July 29, 2019

from Twitter https://twitter.com/hanhagen1

Spam call app #Truecaller moves info financial services in #emergingmarkets. https://t.co/OhWdn8iSCq

Spam call app #Truecaller moves info financial services in #emergingmarkets. https://t.co/OhWdn8iSCq

— Hans Hagen (@hanhagen1) July 22, 2019

from Twitter https://twitter.com/hanhagen1

All England Lawn Tennis and Croquet Club seeks to monitize the Wimbledon tournament more broadly with archived content. https://t.co/ulFEgJ1QXV

All England Lawn Tennis and Croquet Club seeks to monitize the Wimbledon tournament more broadly with archived content. https://t.co/ulFEgJ1QXV

— Hans Hagen (@hanhagen1) July 21, 2019

from Twitter https://twitter.com/hanhagen1

More about #Curve and #Fintechs starting to bundle the unbundled https://t.co/UVoUiDFtr1

More about #Curve and #Fintechs starting to bundle the unbundledhttps://t.co/UVoUiDFtr1

— Hans Hagen (@hanhagen1) July 20, 2019

from Twitter https://twitter.com/hanhagen1

#Curve adds $55m in series B funding to expand its prod offering in Europe and overseas. https://t.co/UIVxIUIwor

#Curve adds $55m in series B funding to expand its prod offering in Europe and overseas. https://t.co/UIVxIUIwor

— Hans Hagen (@hanhagen1) July 20, 2019

from Twitter https://twitter.com/hanhagen1

#Fidor pulling out of UK after summer. https://t.co/Iyl2EAkyw8

#Fidor pulling out of UK after summer. https://t.co/Iyl2EAkyw8

— Hans Hagen (@hanhagen1) July 19, 2019

from Twitter https://twitter.com/hanhagen1

#Fintech #partnerships: 84% of UK commercial banks are considering fintech partnerships in 2019. #JPMorgan, #BBVA examples. #Ferratum https://t.co/hM2haK0Kxd

#Fintech #partnerships: 84% of UK commercial banks are considering fintech partnerships in 2019. #JPMorgan, #BBVA examples. #Ferratumhttps://t.co/hM2haK0Kxd

— Hans Hagen (@hanhagen1) July 18, 2019

from Twitter https://twitter.com/hanhagen1

#Mastercard completes #Transfast acquisition, adn further extends its xborder reach. https://t.co/LJjWI6yMBk

#Mastercard completes #Transfast acquisition, adn further extends its xborder reach.https://t.co/LJjWI6yMBk

— Hans Hagen (@hanhagen1) July 17, 2019

from Twitter https://twitter.com/hanhagen1

#BNPParibas launches automated accounting & financial mgt platform for SMEs leveraging #OneUp AI. https://t.co/RYg5hORw2U

#BNPParibas launches automated accounting & financial mgt platform for SMEs leveraging #OneUp AI.https://t.co/RYg5hORw2U

— Hans Hagen (@hanhagen1) July 17, 2019

from Twitter https://twitter.com/hanhagen1

#Visa taking on #Swift as it enters B2B cross border money transfer with #VisaB2BConnect, powered by #Linux #Opensource #distributedledger technology https://t.co/swoSuNXbpr

#Visa taking on #Swift as it enters B2B cross border money transfer with #VisaB2BConnect, powered by #Linux #Opensource #distributedledger technologyhttps://t.co/swoSuNXbpr

— Hans Hagen (@hanhagen1) July 16, 2019

from Twitter https://twitter.com/hanhagen1

#Voice activated account servicing and transactions nedxt to simplify #digitalbanking. https://t.co/OXYk9wE9Lm

#Voice activated account servicing and transactions nedxt to simplify #digitalbanking. https://t.co/OXYk9wE9Lm

— Hans Hagen (@hanhagen1) July 16, 2019

from Twitter https://twitter.com/hanhagen1

Rough sea these days for #ThomasCook. #Fosun rescue to trigger radical change. https://t.co/TQD9obVVEO

Rough sea these days for #ThomasCook. #Fosun rescue to trigger radical change.https://t.co/TQD9obVVEO

— Hans Hagen (@hanhagen1) July 15, 2019

from Twitter https://twitter.com/hanhagen1

#OpenBanking #platform #TradeLedger introducing invoice financing solution for banks & alternative lenders

#OpenBanking #platform #TradeLedger introducing invoice financing solution for banks & alternative lenders

— Hans Hagen (@hanhagen1) July 11, 2019

from Twitter https://twitter.com/hanhagen1

#Accenture found that #digitally focused banks are creating better returns through positive operating leverage and ability to grow revenues faster than costs. https://t.co/oJ4aDKFmaa

#Accenture found that #digitally focused banks are creating better returns through positive operating leverage and ability to grow revenues faster than costs. https://t.co/oJ4aDKFmaa

— Hans Hagen (@hanhagen1) July 10, 2019

from Twitter https://twitter.com/hanhagen1

#Monzo close to open shop in #US, leveraging experience from en-#Amex exec. https://t.co/HUvKd2wZ5a

#Monzo close to open shop in #US, leveraging experience from en-#Amex exec. https://t.co/HUvKd2wZ5a

— Hans Hagen (@hanhagen1) July 9, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecard offering payouts in the Philippines. https://t.co/0ff5V65IPv

#Wirecard offering payouts in the Philippines. https://t.co/0ff5V65IPv

— Hans Hagen (@hanhagen1) July 6, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecard purchase financing solution to be introduced in Singapore. https://t.co/2kSdrT7AYs

#Wirecard purchase financing solution to be introduced in Singapore. https://t.co/2kSdrT7AYs

— Hans Hagen (@hanhagen1) July 5, 2019

from Twitter https://twitter.com/hanhagen1

#Ferratum appoints Bernt Egger as CFO for the group. https://t.co/IcmqWm3qsk

#Ferratum appoints Bernt Egger as CFO for the group. https://t.co/IcmqWm3qsk

— Hans Hagen (@hanhagen1) June 29, 2019

from Twitter https://twitter.com/hanhagen1

Proud to announce that #Ferratum has entered #Bangladesh to contribute to the country's #digitalization, technological transformation and #financialinclusion of millions of people. #Fintech #internationalexpansion https://t.co/81anUseEAQ

Proud to announce that #Ferratum has entered #Bangladesh to contribute to the country's #digitalization, technological transformation and #financialinclusion of millions of people. #Fintech #internationalexpansion https://t.co/81anUseEAQ

— Hans Hagen (@hanhagen1) June 27, 2019

from Twitter https://twitter.com/hanhagen1

Tech giants fill the gaps where banks fail, serving the #underbanked or #unbanked. #fintech #ferratum https://t.co/tJ0Ea6KewJ

Tech giants fill the gaps where banks fail, serving the #underbanked or #unbanked. #fintech #ferratum https://t.co/tJ0Ea6KewJ

— Hans Hagen (@hanhagen1) June 26, 2019

from Twitter https://twitter.com/hanhagen1

#Alipay taking big strides in Europe in collaboration with 6 #mobilewallets. #Ferratum, #fintech https://t.co/QvWpJwny6p

#Alipay taking big strides in Europe in collaboration with 6 #mobilewallets.#Ferratum, #fintech https://t.co/QvWpJwny6p

— Hans Hagen (@hanhagen1) June 18, 2019

from Twitter https://twitter.com/hanhagen1

#cyberattack cost #norskhydro at least $40 mill. https://t.co/NPPw3p4Ps2

#cyberattack cost #norskhydro at least $40 mill. https://t.co/NPPw3p4Ps2

— Hans Hagen (@hanhagen1) June 7, 2019

from Twitter https://twitter.com/hanhagen1

RT @BF_Netherlands: First day @money2020 Europe in Amsterdam! 🚀💸 Come & meet the French Fintech delegation at our booth K-20 in the hall 1! You’ll be amazed! 🇫🇷 #M2020EU #FinTech #finance #ChooseFrance cc @CartesCB & @LaFrenchTech https://t.co/fhB1cP9EyD

First day @money2020 Europe in Amsterdam! 🚀💸 Come & meet the French Fintech delegation at our booth K-20 in the hall 1! You’ll be amazed! 🇫🇷 #M2020EU #FinTech #finance #ChooseFrance cc @CartesCB & @LaFrenchTech pic.twitter.com/fhB1cP9EyD

— Business France NL (@BF_Netherlands) June 3, 2019

from Twitter https://twitter.com/hanhagen1

#Ferratum is at #Money2020 in Amsterdam next week. Reach out to find a meeting time. See you there! https://t.co/jfGQcEBuH7

#Ferratum is at #Money2020 in Amsterdam next week. Reach out to find a meeting time. See you there! https://t.co/jfGQcEBuH7

— Hans Hagen (@hanhagen1) May 31, 2019

from Twitter https://twitter.com/hanhagen1

Europe leads adoption of #contactless smart cards with 83% of shipments being #NFC. #SPA. #Ferratum https://t.co/nOzBS4Vvlq

Europe leads adoption of #contactless smart cards with 83% of shipments being #NFC. #SPA. #Ferratum https://t.co/nOzBS4Vvlq

— Hans Hagen (@hanhagen1) May 29, 2019

from Twitter https://twitter.com/hanhagen1

#PaaS #Payment-as-a-Service to triple over the next 5 years. https://t.co/RPE4HGKHZy https://t.co/kbrGaRSvDS

#PaaS #Payment-as-a-Service to triple over the next 5 years. https://t.co/RPE4HGKHZy pic.twitter.com/kbrGaRSvDS

— Hans Hagen (@hanhagen1) May 25, 2019

from Twitter https://twitter.com/hanhagen1

#conversations #Nantes @KenHughesIE https://t.co/ZjLMaPTRWP

#conversations #Nantes @KenHughesIE pic.twitter.com/ZjLMaPTRWP

— Hans Hagen (@hanhagen1) May 24, 2019

from Twitter https://twitter.com/hanhagen1

Great presentation on #CX #customerexperience by @kenhughesIE at #conversations in Nantes.

Great presentation on #CX #customerexperience by @kenhughesIE at #conversations in Nantes.

— Hans Hagen (@hanhagen1) May 24, 2019

from Twitter https://twitter.com/hanhagen1

#Loot is history. UK student current account offering goes bust. https://t.co/mFaRze4T6J https://t.co/hA9VuAGvZ5

#Loot is history. UK student current account offering goes bust. https://t.co/mFaRze4T6J pic.twitter.com/hA9VuAGvZ5

— Hans Hagen (@hanhagen1) May 24, 2019

from Twitter https://twitter.com/hanhagen1

#Fintech #platform revenues to triple over the next 5 years. #Juniper https://t.co/qI9SRXStYg https://t.co/aFTzHORZZ7

#Fintech #platform revenues to triple over the next 5 years. #Juniperhttps://t.co/qI9SRXStYg pic.twitter.com/aFTzHORZZ7

— Hans Hagen (@hanhagen1) May 23, 2019

from Twitter https://twitter.com/hanhagen1

#ThomasCook could be a target for Chinese #Fosun https://t.co/kMsCvOuzsH https://t.co/T17WTlLVlO

#ThomasCook could be a target for Chinese #Fosun https://t.co/kMsCvOuzsH https://t.co/T17WTlLVlO

— Hans Hagen (@hanhagen1) May 7, 2019

from Twitter https://twitter.com/hanhagen1

#ThomasCook in a hard spot. Looking for credit facility to avoid cash crunch. https://t.co/6kSu74YlFU

#ThomasCook in a hard spot. Looking for credit facility to avoid cash crunch. https://t.co/6kSu74YlFU

— Hans Hagen (@hanhagen1) May 6, 2019

from Twitter https://twitter.com/hanhagen1

#Visa invests in #BaaS provider #Bankable to enable financial firms and banks to access real-time modular banking services. https://t.co/ULHaGUJAaa

#Visa invests in #BaaS provider #Bankable to enable financial firms and banks to access real-time modular banking services. https://t.co/ULHaGUJAaa

— Hans Hagen (@hanhagen1) May 6, 2019

from Twitter https://twitter.com/hanhagen1

#Wirecard to promote #financialinclusion in #India through its #partnership with #RBLBank. https://t.co/gl9CR7rmaH #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

#Wirecard to promote #financialinclusion in #India through its #partnership with #RBLBank. https://t.co/gl9CR7rmaH #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

— Hans Hagen (@hanhagen1) April 27, 2019

from Twitter https://twitter.com/hanhagen1

UK executies expect #Brexit to cause 3-5% increased cost and 3% lower sales. #HBR. https://t.co/vFV1XGlKqa #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

UK executies expect #Brexit to cause 3-5% increased cost and 3% lower sales. #HBR. https://t.co/vFV1XGlKqa #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech

— Hans Hagen (@hanhagen1) April 26, 2019

from Twitter https://twitter.com/hanhagen1

#Zestmoney raises 20Mill in #seriesB funding to expand its lending in #India. https://t.co/V9xLIyBl3k

#Zestmoney raises 20Mill in #seriesB funding to expand its lending in #India. https://t.co/V9xLIyBl3k

— Hans Hagen (@hanhagen1) April 26, 2019

from Twitter https://twitter.com/hanhagen1

New #Board chairman and bank #CEO at #Ferratum group. #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech https://t.co/mjpoW9D7W4

New #Board chairman and bank #CEO at #Ferratum group. #ferratum #STARD #FIA #rallycross #speed #ferratumbank #ferratumwrx #stardferratumteam #WorldRX #rally #fintech https://t.co/mjpoW9D7W4

— Hans Hagen (@hanhagen1) April 25, 2019

from Twitter https://twitter.com/hanhagen1

#T-mobile goes alone with its #mobile #bankingservices in the US. #low-cost alternative to banks for checking acc't and cards. #mastercard https://t.co/nOhYrIDOVW

#T-mobile goes alone with its #mobile #bankingservices in the US. #low-cost alternative to banks for checking acc't and cards. #mastercard https://t.co/nOhYrIDOVW

— Hans Hagen (@hanhagen1) April 24, 2019

from Twitter https://twitter.com/hanhagen1

#survey: business owners would switch financial services provider for lower fees and someone who understands their business needs. https://t.co/R8BhI99AJO

#survey: business owners would switch financial services provider for lower fees and someone who understands their business needs. https://t.co/R8BhI99AJO

— Hans Hagen (@hanhagen1) April 23, 2019

from Twitter https://twitter.com/hanhagen1