Finance Trends

The nation's largest Black-owned bank and the first Black-owned digital bank. OneUnited Bank differentiates itself by offering AI-driven insights and a strong focus on community development, earning recognition as an award-winning Community Development Financial Institution (CDFI). It primarily serves individuals and communities seeking financial empowerment and development, particularly in Boston, Los Angeles, and Miami.

A professional who interacts with customers on behalf of an organization, providing information about products and services, handling complaints, processing orders, and answering questions. Customer Service Representatives are often the first point of contact for customers and play a crucial role in maintaining customer satisfaction and loyalty by resolving issues efficiently and ensuring a positive customer experience. They are essential in various industries, including retail, finance, healthcare, and telecommunications, and are particularly valuable for businesses aiming to enhance customer relations and retention.

Performance-based marketing strategy where businesses reward affiliates for driving traffic or sales to their website through the affiliate's marketing efforts. This strategy involves merchants, affiliates, and customers, with affiliates using unique tracking links to promote products and earn commissions based on sales, clicks, or leads. It is particularly beneficial for businesses seeking cost-effective marketing and for individuals or companies looking to earn passive income through product promotion.

Layer 2 solutions in blockchain technology are designed to enhance the scalability and efficiency of blockchain networks. They function by diverting transactions off the main blockchain and processing them separately, which helps to reduce congestion, speed up transactions, and lower fees. These solutions are particularly beneficial for users and developers seeking to improve the performance and cost-effectiveness of blockchain applications.

Paytech is a payroll and Human Capital Management (HCM) consulting company based in Denver, Colorado. The company specializes in providing comprehensive payroll services and consulting throughout the full life cycle of HCM systems, differentiating itself with a focus on tailored solutions for businesses. Paytech primarily serves organizations seeking expert guidance and support in managing their payroll and HCM processes efficiently.

Function X is an ecosystem built entirely on and for the blockchain, offering a fully decentralized and secure environment. It provides a platform for developers and companies to build decentralized applications with ease, differentiating itself through its focus on security and decentralization. Function X primarily targets blockchain developers and businesses looking to leverage decentralized technologies for their applications.

Companies that own, operate, or finance income-producing real estate across various property sectors. They allow individual investors to earn a share of the income produced through commercial real estate ownership without having to buy, manage, or finance properties themselves. REITs are particularly beneficial for investors seeking regular income, diversification, and liquidity in their investment portfolios.

Platform that provides tools and services for building decentralized applications (dApps) on blockchain networks. It offers features such as real-time database, user authentication, and cloud functions, simplifying the development process for blockchain developers. The platform supports multiple blockchain networks, including Ethereum, Binance Smart Chain, and Polygon, making it valuable for developers working on various blockchain projects.

Required Minimum Distributions (RMD) are mandatory withdrawals that individuals must take from their retirement accounts, such as IRAs and 401(k)s, once they reach a certain age, typically 72. These distributions are required to ensure that individuals do not defer taxes indefinitely on their retirement savings. RMDs primarily affect retirees and individuals with significant retirement savings, ensuring compliance with tax regulations.

Ron Wyden is a U.S. Senator from Oregon known for his active involvement in various social and financial issues. He has been particularly focused on addressing taxpayer-funded child abuse, abuses at youth residential facilities, and investigating financial matters related to Jared Kushner's firm. His work primarily benefits constituents concerned with social justice, financial transparency, and governmental accountability.

End-to-end real estate platform that assists investors in finding, buying, leasing, managing, and selling residential investment properties. Mynd differentiates itself by offering comprehensive property management services across multiple locations, including San Antonio and Houston, Texas, providing a seamless experience for real estate investors. The platform primarily targets real estate investors looking for a streamlined and efficient way to manage their residential investment properties.

Investment strategy where an investor divides the total amount to be invested across periodic purchases of a target asset to reduce the impact of volatility. This method helps to mitigate the risk of investing a large sum at an inopportune time by spreading out the investment over regular intervals regardless of the asset's price. Dollar cost averaging is particularly beneficial for investors looking to minimize risk and avoid market timing errors.

Insurance company that offers a device focused on home security and reducing electricity bills. It features an AI-powered sensor designed to monitor and prevent home accidents, providing real-time alerts and data to enhance safety and efficiency. Luko primarily targets homeowners and renters who are looking for innovative solutions to improve home security and manage energy consumption.

Intrinsic value is a fundamental concept in finance and investing, referring to the perceived or calculated true value of an asset, investment, or company, based on underlying factors and fundamentals, rather than its current market price. This value is often determined through various financial models and analysis, such as discounted cash flow (DCF) analysis, which estimates the present value of expected future cash flows. Investors use intrinsic value to assess whether an asset is undervalued or overvalued in the market, aiding in making informed investment decisions.

A home equity loan is a type of loan where the borrower uses the equity of their home as collateral. This loan provides a lump sum amount based on the property's value, typically featuring fixed interest rates and a repayment period ranging from 5 to 30 years. Home equity loans are commonly used by homeowners for purposes such as home improvements, debt consolidation, or major expenses.

Financial technology company that provides online money transfer services, formerly known as TransferWise. Founded in 2011 by Taavet Hinrikus and Kristo Käärmann, it offers a cheaper and more transparent way to send money internationally compared to traditional banks by using the real exchange rate and charging a low, upfront fee. Wise is popular among individuals and businesses needing to transfer money across borders.

A B2B fintech company specializing in cross-border payments, leveraging a proprietary global network with direct connections to local payment brands. Thunes differentiates itself by enabling improved payment experiences and supporting payment corridors to 133 countries, making it a key player in the global payments landscape. The company's services are primarily targeted at fast-growing businesses seeking efficient and reliable international payment solutions.

Annual Tax on Enveloped Dwellings (ATED) is a tax in the United Kingdom that applies to companies, partnerships with corporate members, and collective investment schemes owning residential property valued above a certain threshold. Introduced to discourage the use of corporate structures to own high-value residential properties, ATED aims to prevent tax avoidance. The tax primarily affects corporate entities and investment schemes holding residential properties valued at more than £500,000.

​Yassir is an Algerian-based super app that offers a range of on-demand services, including ride-hailing, food and grocery delivery, and digital payments. Founded in 2017, it has expanded its operations to 45 cities across Algeria, Morocco, Tunisia, Senegal, South Africa, France, and Canada, serving over 8 million users. Yassir primarily caters to individuals in these regions seeking convenient access to transportation, delivery services, and financial transactions through a single platform

Technical analysis tool used by traders to identify potential support and resistance levels in financial markets. It is based on the idea that markets will retrace a predictable portion of a move, after which they will continue to move in the original direction, with key levels derived from the Fibonacci sequence. This tool is primarily utilized by traders and investors to determine potential reversal points, entry points, stop-loss levels, and take-profit targets.

The Sensex, or the S&P BSE Sensex, is a stock market index that measures the performance of 30 well-established and financially sound companies listed on the Bombay Stock Exchange (BSE) in India. It serves as a barometer for the Indian stock market, providing insights into the overall health of the Indian economy and investor sentiment. The Sensex is crucial for investors, policymakers, and analysts interested in the Indian stock market and economy.

Term commonly used in finance and trading to describe the difference between the expected price of a trade and the actual price at which the trade is executed. Slippage can occur due to market volatility, low liquidity, or delays in order execution, impacting the profitability of trades. It is particularly relevant for traders and investors who need to account for it in their trading strategies and risk management plans.

Health insurance company offering a variety of health plans and services. Known for individual and family plans, employer group plans, Medicare plans, and Medicaid plans, it emphasizes affordable, high-quality health care coverage with a focus on preventive care and wellness programs. Primarily serves residents of Michigan, catering to individuals, families, employers, and seniors.

A data visualization technique that shows the magnitude of a phenomenon as color in two dimensions. The variation in color may be by hue or intensity, providing an immediate visual summary of information, making it easier to interpret complex data sets. Heat maps are commonly used in fields such as business analytics, biology, and web analytics to represent data in a more understandable and visually appealing way.

Financial instruments that give the holder the right, but not the obligation, to buy or sell an underlying asset at a specified price before or at a certain date. Options are commonly used in various financial strategies for hedging, speculation, and income generation, and they come in two main types: call options and put options. These instruments are primarily utilized by investors and traders looking to manage risk or leverage their positions in the financial markets.

Dao OS is a conceptual framework or system that likely integrates principles of Decentralized Autonomous Organizations (DAOs) into an operating system. It aims to provide a decentralized, blockchain-based environment where governance and decision-making are managed by code and tokenholder votes, enhancing transparency and reducing the need for intermediaries. This system would primarily benefit blockchain enthusiasts, developers, and organizations looking to implement decentralized governance models.

Enterprise digital asset finance platform that assists businesses in managing cryptocurrency tax, accounting, and compliance. Bitwave differentiates itself by offering comprehensive tools for tracking and reporting digital asset transactions, ensuring regulatory compliance, and integrating with existing financial systems. The platform is primarily targeted at businesses and financial institutions dealing with digital assets and seeking robust solutions for financial management and compliance.

Pattern found in candlestick charts used in technical analysis of financially traded assets, characterized by a small trading range and an opening and closing price that are virtually equal. This pattern can help investors identify potential price patterns and market indecision, providing insights into market sentiment and potential future price movements. Doji patterns are particularly useful for traders and investors who rely on technical analysis to make informed trading decisions.

Automated Clearing House (ACH) is an electronic network used for processing financial transactions in the United States. It facilitates various types of transactions, including direct deposits, payroll, and vendor payments, by processing them in batches, which typically take a few days to clear. ACH is primarily used by businesses, financial institutions, and government agencies for efficient and secure transaction processing.

Sugi is an investment platform focused on sustainable, climate-friendly portfolios designed to help investors align their investments with environmental goals. It provides personalized insights into the carbon impact of various investment portfolios and offers recommendations for reducing carbon footprints through eco-conscious asset choices. Sugi is aimed at environmentally conscious individual investors seeking transparency and positive climate impact within their financial portfolios.