Analysis of the transition to new technologies in wealth management in Iran

Wealthtech or financialtechnology of wealth management helps investors to make better decisions about when and how to invest; and seeks to shift savings and investments to the capital market and balanced the money and capital markets. This study examines the transition of wealthtech in Iran. Transition refers to the process of creating and replacing a new technology and its acceptance by the community. For the analysis of the transition, the multi-level perspective analytical framework was used and the interactions of actors and institutions with technology at different levels are analyzed. The transition to wealthtech has been studied through a qualitative and narrative research method, and data have been collected through the study of regulations and policy documents, as well as press interviews and press reports published in fintech media. 252 reports were reviewed, of which 118 reports were related to the discussion and the opinions of 36 experts were analyzed. With the studies, the functions of the financial system of wealth management were identified. By analyzing the behavior of actors who performing the functions against technological developments and institutional changes, the typology of the transition was determined as reconfiguration path. The reconfiguration path follows the innovation overflow pattern and caused changing the architecture of the regime. In the end, the public release of information and informing to citizens should also be followed Simultaneously with the provision of conditions for providing innovative services. Through the simultaneous reinforcement of the supply side and the demand side, the optimal transition will be possible

Plan de desarrollo de la aplicación Easy Bonds que permitirá facilitar el financiamiento y mejorar las oportunidades de inversión conectando a microempresarios e inversionistas en el Perú

El presente trabajo de investigación tiene como objetivo poder realizar de una manera bastante práctica cómo se puede implementar una idea de emprendimiento en el mundo real. Es decir, que sea viable financieramente, que pueda vender productos y que sea atractivo para los clientes. Este proyecto se llevará a cabo de manera completa, desde una necesidad en la sociedad, hasta una solución para la necesidad y luego llevar esa necesidad hasta un punto donde ambas partes puedan tener un beneficio. La propuesta de emprendimiento que se presentará se llamará Easy Bonds. Será una aplicación dedicada a unir a los inversionistas con los microempresarios peruanos. La viabilidad de Easy Bonds fue estudiada de manera exhaustiva; comenzando con el problema que se quiere solucionar, cómo las tasas de interés altas para las microempresas, luego se analiza el modelo de negocios, el proceso de venta y el plan financiero. Todo lo que debería tener un emprendimiento ha sido evaluado de manera cuantitativa y cualitativa con sustentos válidos La conclusión de este trabajo, después de realizar entrevistas, focus groups, encuestas, proyecciones financieras e investigaciones en fuentes secundarias; es que Easy Bonds es un negocio posible de crear, viable financieramente e interesante para posibles clientes.The objective of this research work is to carry out in a very practical way how an entrepreneurial idea can be implemented in the real world. In other words, the start-up is financially viable, it can sell products, and it is attractive to customers. This project will be carried out in a comprehensive manner, from a need in society to a solution for the need and then to bring that need to a point where both parties can benefit in some way. The entrepreneurship proposal to be presented will be called Easy Bonds. It’s an application dedicated to being the middle man between Peruvian micro-enterprises and Peruvian investors. The viability of Easy Bonds has been extensively studied; Starting from the problem to be solved, such as the high-interest rates for microenterprises in Peru, then the business model, the sales process, and the financial plan are analyzed. Everything that an enterprise should require has been evaluated in a quantitative and qualitative way with valid support. The conclusion of this entire project, after conducting interviews, focus groups, surveys, financial projections, and research in secondary sources; is that Easy Bonds is a possible business to create, financially viable and interesting for potential customers.Trabajo de investigació