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FinTech Awards 2019

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Alternative Investment Awards 2016

Diamond Package Limited to one winner only

• Main front cover image & headline on the magazine • Four pages of dedicated content at the front-end of the magazine – with guaranteed inclusion in the first 10 pages • 5 crystal trophies (slate option available) • Personalised digital logo • Personalised digital certificate • Bespoke press release • 8-page bespoke digital brochure with 100 printed copies - ideal for sharing with clients • 1 dedicated page in four issues of W&F for 12 months • 1 dedicated page in two issues of W&F for 12 months • Social media promotion on the W&F social media platforms – provides 1 x Facebook posts (15,000+ followers) and 1 x Twitter (3,000+ followers) 1

2018 FinTech Awards

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FinTechawards

How Blockchain Will Affect the Recruitment Industry 1

New Research Shows 88% Of Institutional Investors Fear Inflation Will Reduce Real Value Of Bond Yields

Barter and the taxation of bitcoin transactions

In this Issue:

New Research Shows 88% Of Institutional Investors Fear Inflation Will Reduce Real Value Of Bond Yields Arran James Stewart is the co-owner of blockchain recruitment platform Job.com. He discusses the issues around blockchain’s effect on the recruitment industry of the future. Thanks to the media buzz surrounding cryptocurrencies such as Bitcoin, blockchain has become one of technology’s hottest topics. Blockchain, the technology behind Bitcoin, has much more to offer than just new forms of currencies. Security and trust are the major factors influencing a service or system’s success and with this, blockchain is now set to transform every major industry we know today.

Blockchain with its decentralized network and open peer-to-peer communication will completely change the recruitment process by allowing candidates and clients to engage directly with one another. This, of course, raises the question of trust. How can an employer or potential employee be sure they’re dealing with the person they believe By Neil Simpson, partner at haysmacintyre they are? How can you verify the skills, experience, and achievements listed on their resume?

This component has always been a separate issue when it comes to referencing, as there are various factors a hirer needs to know in order to make the right recruitment decision. Trusting that someone is a good person, a hard worker, and punctual is one thing, but then physical certification that they have the skills and experience to what they can do is another. Blockchain will break down communication, trust, and certification so that a hirer will easily be able to make accurately informed selections on their next hires.

The recruitment industry has seen many changes over the last five Trust: decades especially following the introduction of the internet. Online Currently, The taxation of transactions in bitcoin and other cryptocurrencies substantial gains, others substantial losses, and their preferred tax the recruitment industry is valued at $638B globally, according to June 2017’s IBIS report. Permanent-based recruitment services recruitment platforms, application tracking, and talent management presents a number of significant challenges to HM Revenue and treatment will be dictated by that outcome. Those with substantial worth about 15% of that (at $90B annual revenue. As blockchain Recruitment agencies have always been in may charge dueupon some, perhaps now are systems revolutionized hiring twenty years ago, expanding both the the job provision Customs (HMRC). However, of a conceptual framework gains seekoftoconducting argue (based regretted, becomes more commonplace and replaces our current recruitment on these however, it isn’t a perfect science.inCandidates and candidate pool far and wide. More torecent aggregation, syndication, answer the question: “how are gainsdiligence derived from suchfactors, transactions comment by HMRC their Brief) that transactions in bitcoin may we can expect to see industry revenue growth diminish. systems, are of notorious forapparent falsifying information on about everything and consolidated online recruitment solutions have taken thenot main stageto be one purposes. Here the bitcoin is treated as disposed of, represented by Blockchain will dramatically reduce the need for third-parties to manage to be taxed?” would appear them. An beresumes; so highlylying speculative that neither a taxable gain or loss results the hiring process as candidates and clients value will beofable interact from job responsibilities toastheir references and by supporting recruitment agencies in placing candidates into companies. the market thetocryptocurrency received or goods or services nonchalance characterises HMRC’s position to duration date withand guidance the transactions areskills. analogous to gambling (gambling winnings directly and securely. It will be easier for employers to find certifiably acquired. This is intuitively more difficult to recognise. Where goods However, instead of making the hiring process efficient, technology limited more to a “Brief” issued in March 2014. This simply asserts that are not taxable, although this is not as generous as it might first qualified candidates who can doorthe jobs theyare need, in turn reducing services acquired, it will be the market value in sterling of those Since recorded, public ledger of information has just added more time, costs, and fraud the industry. no to specific change in tax law is required and blockchain that existingistaxa rules appear as HMRC’s greater shared concern, of course, is that gambling turnover and personnel costs. Small to medium-sized enterprises find goods or services that willwill provide the consideration for the disposal of across thousands of machines it be corrupted, changed tamperedThis argument is thought unlikely are sufficient to regulate the increasingly popular cryptocurrency, losses should not be or allowable). to it more accessible and affordable to hire qualified staff, breaking down the bitcoin and the calculation of the resulting gain. barriersbitcoin to growth and innovation. althoughindustry it is noted “given the evolutionary these succeed, particularly for those gains from more recent Blockchain technology offers the recruitment thethat opportunity with. The nature ledger of is recorded over separate hardware, accessible only realising by cryptocurrencies” guidance be provided as appropriate. acquisitions, HMRC this may be more easily persuaded that to completely reinvent itself. Communication, certification,further and trust are may verified users whose every action is recorded in the although ledger. Utilizing More difficult still is the disposal of bitcoin utilised in subscription of an It’s certainly a bittersweet development for those in the recruitment transactions are gambling where losses have resulted! built into the framework of blockchain and are coincidentally key factors property of blockchain, companies will be able to rely on references and Here the bitcoin have been industry. Companies beholden toICO. the old methods and processes will exchanged for the cryptocurrency or In terms of the timing and targeting ofrecords such future there tokens received the subscription to the ICO. There has been a for having a successful hire. of a guidance candidate’s performance as told by a trustworthy source need to change their platforms completely or be lostto in fund the blockchain are perhaps two aspects of the currentand interest in cryptocurrency that This Those individuals realised losses may seek to argue that Lucrative recruitment disposal of the bitcoin formay a consideration, represented by the market revolution. agencies and recruiters alike see recorded on the blockchain. removes the abilitywho of ahave candidate of theintokens/cryptocurrency received. As these are unlikely to are likely to inform HMRC’s approach.to Cryptocurrency hascompletely drawn in bitcoin arethe in the nature of a trading activity forreturns if they don’t putvalue declining investment technology at the very Communication: edit, amend or changetheir theirtransactions history; meaning that their to-do lists. In tomorrow’s remaining have blockchain a sterling economy, market value, the consideration taken for the disposal comparisons with the dot com bubble information of the early 1990s and is can be which a more generous use of (or loss reliefs is available. Savetop in of very provided in there resumes researched and supported dynamic and knowledgeable are of thethe major ways towill grow bitcoin beyour thebusiness, sterling market value of the bitcoin at the time certainly one significant similarity in that retail investors account for the exceptional circumstances, this is another argument doomed to failure The current recruitment process relies heavily on three lines of exposed as false). Hiring companies will be able to look to the blockchain otherwise, you’ll unfortunately findofyourself dead in the water. the transaction. This will also represent the acquisition cost of the majority of trading. It is individual rather than corporate and collective as the evidential hurdle for “trading” is very high and seems unlikely to communication between client, recruiter, and candidate. The recruiter for all their reliable reference and documentation needs to ensure their tokens received for chargeable gains purposes. investment has taken the lead with institutional investors largely be met in the overwhelming majority of cases. sits in the middle, serving as the intermediary between the candidate newest hire is exactly who they claim to be. remaining on the sidelines. Individuals will be required to identify and report gains realised on and the client. Recruiters introduce candidates and divulge information It seems clear that HMRC see gains realised by individuals from their disposal of bitcoin into cash, kind or other digital currency with in a way that is beneficial to them, ratherAsthan best interest. Certification: withthe theclient’s dot com bubble, volatility in the cryptocurrency market, investment transactions (including short term speculation) in bitcoin the result that taxable gains may arise in circumstances where no Information may be withheld; poorly suited candidates mayprice be presented particularly in the of bitcoin, has shifted emphasis away from the as being subject to capital gains tax (CGT). For an individual, an cash has been realised. There is currently no ability to “rollover” gains all to justify the recruiter’s position. This lengthens the recruitment Certification, or physical proof of skills annual by practical demonstration – has economic fundamentals of such investments and towards speculative exemption of £11,100 is available with the rate of CGT on realised on the disposal of bitcoin on reinvestment into ICO’s, meaning process and can lead to malpractice, with recruiters purposefully proved (ICOs) difficultreflects within this the recruitment process, especially within investment. The spate of Initial Coin Offerings gains in excess being 18% for the basic rate taxpayer and 20% for those that the identification and reporting will be a particular compliance focusing on their commission prospects rather than making a match investors technology Blockchain will provide a and platform for candidates to burden for individuals. speculative fever with individual seeking space. to buy in at the higher additional rate tax payers. As with shares of the same class 7 that’s a good fit for all parties. demonstrate capabilities certified by other trusted ground floor on the next bitcoin or Ethereum. Thesetheir are the factors and have the this holder of bitcoins will have a single pooled asset for CGT purposes While the conceptual framework for the taxation of individuals that are likely to inform HMRC’s approach userswith , suan ch expected as formeremphasis employers, collewhich agueswill , orincrease academior c idecrease nstitutionswith . each acquisition, part disposal

Most Advanced Information Security Services Company 2018 & Best Data Security SaaS Solution: 5 Pillars of Security Framework™

being placed on policing the reporting obligations of individual investors as the next reporting season for the tax year 2017/18 draws near, a tax year in which much of this speculative interest arose and was transacted.

or disposal. Generally, any capital gain will be realised on conversion of the bitcoin or other cryptocurrency into sterling or fiat currency. With the asset (here the investment in bitcoin or other cryptocurrency) having been realised in cash, there is an obvious disposal event.

For most individuals their bitcoin (or 6 other cryptocurrency) will have been acquired as an investment or short term speculation. In the nature of speculative bubbles some individuals will have realised

However, an exchange into other digital currencies or the acquisition of goods and services utilising the bitcoin (or other cryptocurrency) represents a barter transaction and a disposal for capital gains tax

transacting in bitcoin and other cryptocurrency is relatively clear, at least in HMRC’s view, the simple adoption of the “barter principle“ in bringing such transactions into charge to capital gains tax is far from simple in reporting and compliance terms. While further guidance is anticipated and some relaxation is to be hoped for (particularly in terms of some form of “rollover” for reinvestment in other cryptocurrencies) the expectation is that much of this will go to reinforcing the reporting and compliance message outlined, rather than some new approach specific to cryptocurrency.

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Emerald Package Limited to two winners only • Supporting front cover Image and headline on the magazine • Two pages of dedicated content at the front end of the magazine – approx. 1800 words • 2 crystal trophies (slate option available) • Personalised digital logo • Personalised digital certificate • 4-page bespoke digital brochure – ideal for sharing with clients • 1 dedicated page in any issue of W&F Magazine for 2019

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2018 FinTech Awards

2018 FinTech Awards

AI180012 FIN18010

AI180012

Company: Crowdstacker Company: Acuity Management Contact: Rebecca StiasnyLimited Contact: Sawyerr Address: 1st &Tracy 2nd Floor Offices, Tel:Street, + 44 (0) 203 6033722 6 Victoria St Albans, AL1 3JB, UK Web Phone: Address: www.acuityag.com 020 7118 7570 Website: www.crowdstacker.com

In this Issue:

Company: Acuity Management Limited Contact: Tracy Sawyerr Tel: + 44 (0) 203 6033722 Web Address: www.acuityag.com

Most Innovative P2P Lending Platform - UK

Crowdstacker is a creative lending platform that works with businesses from a variety of industries, all of whom are looking to raise funds so they can develop new products or services, or expand. We invited Rebecca Stiasny to explain this revolutionary concept in more detail.

“Enabling investors to make informed choices was a founding principle of how Crowdstacker wanted to function, so we make great efforts to ensure all written material is easy to understand. We also make use of multi-media where appropriate such as our short animations and films which provide the basics for each investment.

Since its inception in 2015, Crowdstacker’s focus has been to make available to everyday investors the kinds of high quality investment opportunities that were traditionally only open to institutions and professional investors. A typical investment featured on this unique platform will be looking to raise £1 million or more, rather than £10,000100,000, which is more typical of the crowdfunding space. It is this that sets the firm apart from other P2P platforms, as Rebecca explores.

“Additionally, we operate our own in-house customer service line so that investors needing answers to specific questions can speak directly to a Crowdstacker team member. As we expand we will be ensuring we can retain this functionality, and making use of technology which focuses on being helpful, not just technology for technology’s sake.

“As part of our unique service offering, at Crowdstacker we structure debt-based products so that businesses can borrow at competitive rates. We decide on the best investment structure dependent on the individual business needs as well as the criteria that will deliver investors the best deal.

“Businesses we work with receive a similar hands-on service. An important part of our due diligence process involves multiple faceto-face meetings with borrowers, some of which take place at the businesses’ main premises so we can get a real-life feel for what the business does and how it works. One of the consequences of this is that we are also able to build strong relationships with the business managers making the process of structuring an investment and then overseeing it during its lifetime, much easier and much more transparent.”

“In the past we have used P2P Loans, Loan Notes and Bonds, but in the future we look to expand this offering. The key advantage of this individual approach is that businesses are able to borrow money in a way that suits exactly how their business operates, with each arrangement accommodating specific nuances such as cash flow patterns and the length of time the funding is required. “In addition, this individualised approach also enables us to structure strong defensive elements into each investment to protect investors, often in a layered way so there is more than one way to potentially recoup any losses. For example, we always identify with a business the best security against which to leverage investment, such as property for construction businesses.”

Most Advanced Information Security Services Company 2018 & Best Data Security SaaS Solution: 5 Pillars of Security Framework™ Most Innovative Insurance Company 2018 - Thailand

“Part of our job as an online investment platform which brings together businesses and investors is to marry up and manage these oftenmismatched capabilities to create a seamless and simple experience for both borrowers and investors. This will remain our ongoing goal at Crowdstacker as we seek to build upon our already impressive success.”

Ultimately, as the alternative investment industry has matured, Crowdstacker has continued to innovate and is now looking to provide a range of investment structures and new accounts for investors, as well as financing options for business. Rebecca proudly concludes by sharing an insight into the firm’s future plans and how these will help meet the ever-evolving needs of the businesses and investors who have come to rely on this dynamic platform.

This tailored approach to investment, which focuses on creating meaningful, lasting relationships, has been the firm’s focus from the beginning, and is integral to every aspect of process. Rebecca talks us through how she and her team work to support investors and ensure that they feel supported throughout the investment process.

Best POS Solutions Provider - UK

“The challenge we are facing is that the in which we operate is both fast moving and slow. Firms such as ours are simultaneously dealing with both other fintech firms and their accompanying innovations, as well as more traditional financial services companies and the limitations their legacy technology imposes. This is probably one of the biggest challenges the investment industry faces, and goes hand-in-hand with investor expectations which are increasingly driven by the efficiencies and speed offered by mobile computing and internet-based services.

“With regards to our future, Crowdstacker is focused on continuing to innovate to build an environment where investors and businesses seeking investment can co-exist and work together for mutual benefit in a transparent and efficient way.

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2018 FinTech Awards AI180012 FIN18002

In this Issue:

Company: CREALOGIX Company: Acuity Management Limited Contact: Maryam Danesh-Kajouri Contact: Tracy Sawyerr Address: Breitscheidstrasse 10, Tel: + 44 (0) 203 6033722 Stuttgart, 70174, Germany Web Address: www.acuityag.com Phone: 0049 1962 841494 Website: crealogix.com/uk

CREALOGIX - Best for Innovations in Digital Banking 2018

The CREALOGIX Group is a Fintech 100 company and among the global market leaders in digital banking. We profile the group to find out more and explore its unique service offering in more detail. Founded in 1996, today the CREALOGIX Group is an independent Swiss software house and the market leader in Digital Banking employing more than 400 people worldwide. The group develops and implements innovative fintech solutions for the digital bank of tomorrow. Today, the group’s customers include more than 450 banks based around the world, including in Germany, Switzerland, Austria, Great Britain, Singapore and beyond. For this vast array of clients, CREALOGIX has carried out more than 1,200 installations, and as such has gained a wealth of valuable experience which it draws on to ensure their ongoing success. Using the solutions from CREALOGIX, this vast array of banks responds to changing customer needs in the field of digitalisation in order to hold their ground in an extremely complex and dynamic market and to remain always one step ahead of their competitors. The group’s flagship offering, the CREALOGIX Digital Banking Hub is an innovative architecture for open banking of the future – online, mobile, or in direct contact with an advisor. The API-based architecture allows for seamless integration with all of a bank’s systems, ensuring that PSD2 and open banking demands and regulations are met effortlessly.

Most Advanced Information Security Services Company 2018 & Best Data Security SaaS Solution: 5 Pillars of Security Framework™ Most Innovative Insurance Company 2018 - Thailand

Ultimately, drawing on its years of experience and unique, innovative solutions, CREALOGIX is now the trustworthy partner for secure digital transformation and the early development of new growth potential, and moving forward the group will continue to innovate and adapt in order to maintain this strong position and continue to offer its clients the cutting edge solutions that they have come to rely on.

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Ruby Package • One page of dedicated content - approx. 900 words • 1 crystal trophy (slate option available) • Personalised digital logo

2018 FinTech Awards AI180012 FIN18004

Company: GASTROFIX GmbH Company: Acuity Management Limited Email: sales@gastrofix.com Contact: Tracy Sawyerr Address: Alex-Wedding-Str. 7, Tel: + 44 (0) 203 6033722 Berlin, D-10178, Germany Web Address: www.acuityag.com Phone: 0049 30 762 303 44 Website: www.gastrofix.com/en/

Best POS Solutions Provider

GASTROFIX GmbH offers a unique app-based cash register solution designed to meet the needs of a variety of clients across the retail and hospitality sectors. We profile the firm to find out more and explore the secrets behind its incredible success. Founded in 2011 GASTROFIX is a provider of app-based cash register systems with cloud connection, also known as an iPad cash register. The software modules of the Berlin-based company cover the entire spectrum of the catering and hotel industry and have integrations to all major hotel systems, merchandise management and accounting software.

With more than 14,000 licenses sold and 130 employees in seven countries, GASTROFIX is one of Europe’s most successful providers of iPad cash registers. The annual turnover managed by the GASTROFIX POS system amounts to more than EUR 3.6 billion. Ultimately, the main goal of GASTROFIX is to make life easier for hoteliers and restaurateurs by digitizing as many processes in their business as possible. That is why the team at GASTROFIX is continuously working on the POS system so it becomes a multicompatible central control instrument for all clients. Over the years to come, GASTROFIX will continue to expand its market share to ensure that it continues to meet the needs of its valued clients.

The cash register has undergone enormous development in recent decades. Its original task, namely simply adding up and collecting amounts, is now only one of many functions. Instead, the modern POS system is app-based with cloud connection, is mobile controlled with iPads and provides real-time information on all relevant company key figures. This makes them with the ultimate problem solver for restaurateurs and hoteliers.

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