THE OPPORTUNITY IN LEVERAGING FINTECH’S 60% of about 40 million individuals, whom are less than 35 years old, already use banks and formal financial institutions Mobile phone penetration in Nigeria has increased to nearly 70% The use of mobile money services is showing a slight improvement with nearly 3.3 million individuals using mobile money for remittances, bill payments and talk-time top-ups. 87% of Banks that partnered with FINTECHs cut costs Over 54% of banks that partnered with FINTECHs saw a revenue increase Every firm, big or small must embrace technology as it impacts all functions.

“Rich old people are more attractive than poor old people, so by all means, try to get rich before age sets in. Otherwise, you'll just be playing catch-up for the rest of your life and that will just wear you out, let me tell you.”

For an investment to be optimally profitable, huge capital and strong financial knowledge are necessities. Huge capital is required for investment, while financial knowledge is important for decisions on what to invest in as not all investments are profitable.

Asset Management Company (AMC) help to preserve the economic value of the assets in question. In an atmosphere of distress and illiquidity, the tendency is always high for the affected banks to dispose of precious or valuable assets at their forced sales value to enhance cash inflows to abate illiquidity.

Statistics show that 47% of millennials would struggle to come up with a huge amount of money to cover an unplanned expense. To "live within your means" means that what you spend each month is less than or at least equal to the amount of money you bring in each month. For many people, it’s a lot easier said than done. At some point however, your reckless spending will catch up to you.

Investment is a step into a financially free future. I just want to let you know that saving towards a goal is the Genesis of investment. That is how it all begins. That rent, vacation, treat etc, you are investing in them to make yourself better. If you ever want to be a bad-ass investor you need to be bad-ass at saving towards a goal. Don’t worry, I’ve got you covered.

Before getting started with investment, you need to know your personal worth, start saving. – Setting money aside from your means of income, then you have to find out your investment personality (If you are a low risk or high risk investor and the type of stocks you should be ...

InfoWARE PFM helps portfolio managers and investment institutions seamlessly seamlessly syndicate data, analytics, real-time risk management, and all capabilities required to effectively manage large multi-asset portfolios and funds...

Ever thought about your investment personality? What exactly is investment personality? Have you even heard the word before? ...

In my own quite time, I tend to take a deep thought about Nigeria, Yes call me patriotic, truth been told I love Nigeria. And I believe that we cannot leave everything to the hand of the government. As elections are fast approaching, different candidate with different promises and vows, ...

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On the long run it is not just about investing. Have you ever thought about a downturn? How prepared are you in cases of bankruptcy?

The Stock Exchange had a slightly bearish week, last week as the All Share Index closed at 30,866.82 basis points, down 0.02%. As at the week, the index is at 30,614.73 indicating a further decline this week.

The month of November was a bearish month for the stock market. Despite various attempts to move to bull territory, the ASI declined by 4.90% with the index price arriving at N30,798.76. its Year to date, the index has declined by19.27%. 25 equities appreciated in price the previous week, lower than thirty (30) a week before that. 41 equities depreciated in price, higher than 24 of the previous week, while 103 equities remained unchanged, lower than 115 equities recorded in the preceding week. The market is still in a bearish state as the 50-day moving average is above the 10-day moving average and the index price.

“Never depend on a single income, make an investment to create a second source” – Warren Buffet Are You Investing? What are you waiting for? The word “Investment” is now being thrown around today, touted as the guaranteed way to make money in lieu of savings accounts. However, as statistics have shown, most people do not even know what investment entails and this can be attributed to the absence of valid information and recommendations which leaves people feeling overwhelmed as to where to begin investing. The InfoWARE Market Data Terminal (IMDT) is a financial information platform that provides real-time local market data which enables traders, asset managers, investors, and compliance professionals drive.

Waiting anxiously for a text from a loved one or waiting on that pot of beans to finish cooking when you are hungry, ever experienced that? You would know how it feels waiting on an improvement from the stock market. The Stock market is in bear territory still as the 50-day moving average is above the 10-day moving average and the ASI’s prices. The ASI price attempted to venture into Bull territory by increasing a little over 1% on the 19th of November but quickly dropped by 1.8% as at today 26th of November 2018 causing its current Bear status. On the other hand, ASI volumes rose 78% on the 22nd November when the price was equal to the 10-moving average margin.

Hope could be a very powerful thing or the most useless. In this case, the stock market remains in Bearish territories. With a 0.07% increase in stock price (from N32,200.21 to N32,222.24) and a volume reaching over 148million, the 50-day moving average is still over the 10-day moving average and stock price. As at today though, 19th November 2018 the stock price and the 10-day moving average is slightly above the 10-day moving average. The power of hope perhaps?

The stock market is still in Bear territory (as the 50-day moving average is above the 10-day moving average), its price, however, fell from N 32,200.21 to N 32,143.41 last week Friday (9th November) till today (12th November) but still rises to meet the 10-day moving average providing a bullish possibility.

At the turn of a new century, everyone wants to be tagged a millennial, but unfortunately, you only turn 18 once. The average millennial is defined as an urban guy or girl up to date with the latest trends, who stay connected to everyday activities and their world is usually ...

They say hope is a dangerous thing, but what would we make of our lives if we don’t look forward to the best possible occurrences. The market was in BULL territory last week as its price was over both the 10 and 50-day moving averages. On the 31st of October, the price of the ASI’s went under the averages and on the 2nd of November 2018, the 50-day moving average finally went over the price and 10-day moving average. The Market is currently in BEAR territory.

With the hustle and bustle of Monday mornings and loads of meetings that helps to begin the week, it’s good to see the stock market had a better week and weekend than I did. Market ASI Overview stock graph After talking about how Bearish the market has been for so long, on the 23rd of October 2018 entered BULL territory.

Warren Buffet gave the timeless and priceless advice “If you don’t find a way to make money while you sleep, you will work until you die” and there was really no better way to put it. If you are unable to discover a way to make passive income, you will keep having to work – usually for someone else- until you decide to retire. Now, I don’t know about you but that paints a pretty gloomy picture of the future and when I heard it, I wanted to make sure I did not end up being financially dependent until I’m all old and grey. If you are like me and would like to achieve financial freedom while earning passive income, then this post is for you. I will explain the concept of passive income, introduce one of the most lucrative sources of income at the moment: The Nigerian Stock Market, and tell you how you can get involved in it and be on your way to financial freedom!

Ever seen a movie where you want to be the man with the jets and Ferrari? you know like having it all like Christian Grey (from the movie Fifty Shades of Grey) or being a “Bossman” like Bobby Axelrod from (The TV show Billions). Everybody wants to make money, fast and free without taking any risks and that’s ok. We weren’t all made to be risk takers especially when it comes to money... am not! Financial Freedom is the route to follow if you don’t want to be broke and wishing to be a movie character all your life.

I told you last week I was hoping for a bull market and on the 20th of September to be precise, the price went over the 10-day moving average placing the market moving into BULL territory. The 50-day moving average is still above the 10-day moving average and price of the ASI. Still hoping that we have a bull market, there’s a ray of hope for investors this week. The Stocks to watch comprises the top gainers and losers in the prior week, as well as companies in the news for various reasons.

In ensuring the right amount of support, and efficient execution in our businesses, we should make use of Customer relationship management. In CRM ticketing, we are simply talking about Customer relationship management processes in resolving customer issues through ticketing (i.e. creation, updating and resolving of tickets). In InfoWARE, our goal is to provide our clients with first-rate business solutions and back it up with unequaled service and support. So, customer relationship management ticketing is an essential aspect of InfoWARE’s work operations. It is important that the tickets created are of good quality in order to achieve its purpose - timely resolution of customer’s issues - hence the need to use a machine learning model to determine and classify the quality of an arbitrary CRM ticket.

I had hopes that by this time, the market should be in BULL territory as things were looking up towards the end of August (28th to be precise) but at a time like this when everything is unpredictable and the market has been in roller coaster mode (fluctuating every day), the market remains in Bearish territory this week. This was its fate last week and there were no attempts to go up and so the 50-day moving average remains above the 10-day moving average. The Stocks to watch comprises the top gainers and losers in the prior week, as well as companies in the news for various reasons. There are also those that released their results or made key announcements after the trading session on Friday and those with expected corporate actions.

There has been a roller coaster of activities in the stock market as market prices rise and drop and stocks switch positions either topping the charts or scrapping the bottom. The Market is still in a Bearish state (this means that stock prices will fluctuate and one need to tread carefully when buying and selling). Although the price of ASI’s attempted moving above the 10-day moving Average on the 4th of September 2018. The price, however, fell back down on Friday 7th of September 2018 as a result going back to its Bearish state.

I have been looking forward to seeing the overview of the stock market graph to check if the market has improved or if the markets Top gainers have made any difference in the market. This Stock market investing is a rather emotional activity and for the past few weeks, and for the past few weeks, it has been a roller coaster of activities as market prices rise and drop and stocks switch positions either topping the charts or scrapping the bottom.

Market activities of recent have been rather interesting. Stocks at the top in a week find themselves at the bottom of the charts the very next week. The Market in its Bearish state however still have top gainers and losers in the previous week’s trading. These stocks are the ones that make up this week’s stocks to watch. There are also those that released their results or made key announcements after the trading session on Friday last week, those with expected corporate actions or in the news. This is not a buy or sell recommendation but more information about these stocks to help with insightful financial decisions this week. As usual added are the stock graphs in a six months’ average to give you more insights as I will be explaining some quantitative perspective on the market. The market is currently in a Bearish state (as the 200-day Moving average is above the 50-day moving average), this means that stock prices will fluctuate and one needs to tread carefully when buying and selling.

The stocks to watch for this week are almost the same as that of last week. This is because they were the top gainers and losers in last week’s trading. There are also those that released their results or made key announcements after the trading session on Friday last week.