FinTech Today

UK Strikes We all know that the UK is in a dire situation with so many strikes going on and many essential services such as Rail, NHS staff, Ambulance etc. being inaccessible. For those reading it without much information about the strikes, I can tell you that now we have a monthly calendar for strikes and this is what the calendar for February looks like: Source: Sky News ( Explainer ) As you see from the above, we are in a state where the necessary services are unavailable to the public and I know that you will see a lot of blogs and news articles about how bad the situation is and what all services are impacted. However, I decided to spend some time looking at the root cause and analysing if a solution can be found. To process all of this, I started my analysis with the postal service, yes, Royal Mail. Royal Mail This is no secret that the biggest demand for the staff going on strike is wages. They are requesting to be paid rightly for their work and with an increased cost of living

With so much going on in the world, everyone is looking for a safer yet fruitful option to park their money. Never in recent history, have we seen an economic cycle skipping recession for this long. As we all know, the typical economic cycle consists of a recession every 7 years and GFC being the last recession, it's been more than 13 years since we have seen a recession. The market is filled with talks about an upcoming recession and it's not recent, investors are preparing for a recession since 2016. Warren Buffet very well said 'Buy when there is blood on the street', has been accumulating cash but has not been able to find the right time since 2016 which is leading Berkshire Hathaway with huge cash reserves.  These past 2 years have changed the economic circumstances drastically. We have seen so many unprecedented activities such as the oil crisis, land conflicts, Economies moving away from Globalisation, the Russia-Ukraine war and how can we forget Covid-19! In add

Read Time: 4 mins What is M&A? Mergers and Acquisitions is a broad term that covers the consolidation of firms or part of firms or assets through different types of financial transactions. In general, M&A is a term that is used for a merger, acquisition, consolidation, tender offers and much more. For the scope of this blog, we'll take M&A in its broader aspect considering that it ranges outside of atypical Merger or Acquisition. M&A is not something new. M&As are playing a key role historically in multiple economic downturns. To date, the evolution of M&A is being broken down into 6 waves, however, due to the pandemic, some believe that we have encountered the 7th wave as well. Before diving into the details of the 7th wave, let's have a sneak peek into the past. First wave/Monopolisation (1897-1904) Known as the 'Great Merger Movement', the first wave was centred across the US manufacturing sector. This wave was driven by corporations who were

  Read Time: 4 mins As Warren Buffet said, when you invest in a business you know it will reap returns or when you invest in a farm you can sell/consume the vegetables grown, but when you invest in non-productive assets like Bitcoin, you are investing in the sentiments of how excited the next person is in buying it who is further investing in the same sentiment of another person.   We all know that cryptocurrency is the new form of currency that does not need a centralized bank for the transaction to be processed. It has a common ledger maintained where transactions are recorded with the help of unique digital signatures which comprises of a public and a private key. Some miners mine the cryptographic references for connecting one block of the ledger to the other and the ledger with the longest chain of blocks is considered legitimate. Although it may be too technical for people to understand how the mining of bitcoin is done and how the proof of work is generated, just like it is not