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Examples and illustrations are used extensively to clarify and simplify complex material. Each chapter ends with a set of exercises, ranging from simple questions to thought-provoking assignments.

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Sample solutions for many of the exercises are available on the companion Web site. Armed with a new and deeper understanding, readers are better positioned to make their own contributions to the field and evaluate various approaches to a particular task or problem. This publication is recommended as a textbook for graduate and advanced undergraduate students in computer science and information systems, as well as for professionals involved in workflow and business process management, groupware and teamwork, enterprise application integration, and business-to-business integration.

Introduction M. Dumas, et al. Ginmon provides fully-automated online investment services to customers in Germany and Continential Europe. Its objective is to provide easy, save and high-yield access for retail customers to capital markets. Growth Street help great businesses grow by offering fairly priced, straightforward finance, as well as guidance to improve the financial procedures vital to growing businesses.

Intelligent Recommendations is a system which is the first worldwide investment recommendations system based on collective intelligence. Personal Capital is the smart way for people to understand, manage and grow their net worth, with award-winning online tools providing total transparency into investment accounts. Certified Personal Capital advisors use information to provide accurate recommendations to clients, improving efficiency and supporting money management principles that lead to the best outcomes possible.

A pioneer in digital financial advisory services, Personal Capital is backed by leading Silicon Valley venture capital firms and financial institutions. The free app is available for iPhone, iPad and Android. Platform Black is an alternative finance provider which uses Fintech to provide working capital funding to SMEs and small corporates. Simply Wall Street visualizes stocks, portfolios and Exchange Traded Funds using infographics to help casual investors understand the stock market and become better investors. Having the ability to turn you into a better investor by helping you make non-emotional long term investment decisions on high quality stocks.

Simply Wall Street evaluates every listed company and turns the data into beautiful and easy to understand infographics.

Process-Aware Information Systems: Bridging People and Software Through Process Technology 2005

In only a few minutes you can get a full understanding of the company's performance and see if it could be a good investment for you. Hi there, At Simplewealth we help our clients manage every aspect of their investments: building the investor profile, monitoring the portfolio and rebalancing when needed.

We would love to be listed among other great companies here! See you soon, Jeremy, founder and CEO. Polaris Portfolios is a digital wealth management service specifically designed to integrate into a bank's existing product and service ecosystem. Our mission is to help our clients fund their life event goals through a professional, transparent, and accessible investment experience. Affirm uses modern technology to re-imagine and re-build core components of financial infrastructure from the ground up. Their focus is to improve the lives of everyday consumers with less expensive, more transparent financial products.

They offer installment loans to consumers at the point of sale, enabling people to take out simple loans and turn any purchase into a few monthly payments. All the pricing through Affirm is adaptive based on data that prices marginal risk in real time and generates a risk score for every transaction, so every aspect of taking out the loan is completely transparent.

A US based online marketplace lender. Fully automated and digitized the cosigning flow to allow more users to be approved or reduce their rates. BLender provides a multi-continental, and cross-border, marketplace lending service in countries with limited consumer credit information. BLender was founded in by a group of physicists and IT professionals with a wide range of backgrounds in algorithms, big data, and virtual intelligence of complex systems. BLender strives to pioneer the multi-continental and cross-border marketplace lending arena by building a bridge between lenders and borrowers across the globe.

Cloud Lending Solutions is a global cloud infrastructure business that helps manage loan portfolios, increase transaction volume, and rapidly bring new products to the market for financial institutions globally. Peer-to-peer lender CommonBond focuses on graduate students. Credit Kudos uses consumer real-time spending data to build an accurate and transparent credit score. Credithood solves the biggest SMB problem - raising funds for growth.

Amount lent and not used for goods or services during the term of the loan, is repaid in cash at the end of the term. There is no paper work, no credit score, no external creditworthiness evaluation of the SMB. The whole transaction is based on the reputation of the SMB as perceived by its customer. They leverage the vote of confidence SMB received from its customers by collaborating with financial institutions like banks to top-up the amount raised from the customers by data-mining all the information gathered on SMB to create a new factor for its credit evaluation - "the Reputation Score" where the process is very easy and intuitive.

Iwoca offers a new type of credit facility designed for small businesses, allowing them to take advantage of opportunities previously only available to their larger peers. Kabbage is headquartered in Atlanta, and has pioneered the first financial services data and technology platform to provide fully automated funding to small business in minutes. Kabbage leverages data generated through business activity such as accounting data, online sales, shipping and dozens of other sources to understand performance and deliver fast, flexible funding in real time.

In just a few years, Kabbage has become the number one online provider of working capital to small businesses in the United States and UK.

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KopoHela is an online balance sheet lending fintech company that focuses on micro, small and medium enterprises that need short term working capital to address their immediate financial needs. It specifically lends to fresh produce vendors mama mbogas , groceries stalls, small cereal shops and other food vendors because this is where they feel that the company can have a greater impact on the society as far as the agricultural value chain is concerned. Most of Africa's population is moving towards urban areas meaning that the demand for food in towns and cities is high.

By empowering urban agribusiness enterprises, KopoHela will be able to create a positive spiral effect on the rural farmer because they are the supply outlet for this businesses. The company believes in tech and touch as a solution to challenges faced by the urban agribusiness enterprises. Borrowers access lower interest rate loans through a fast and easy online or mobile interface.

Investors provide the capital to enable many of the loans in exchange for earning interest. They operate fully online with no branch infrastructure, and use technology to lower cost and deliver an improved customer experience. Cost savings are passed onto borrowers in the form of lower rates and investors in the form of attractive returns. Lending Club is transforming the banking system into a frictionless, transparent and highly efficient online marketplace, helping people achieve their financial goals every day.

Moula is one of Australia's leading providers of unsecured business loans. They have developed a unique platform that will analyse business data, providing funding that is relevant and appropriate to help you grow. OSIS makes credit risk analysis easier and more comprehensive turning each lender and investor into a sophisticated, do-ityourself credit rating agency. They are committed to providing financial searches of financial products to consumers and small businesses, giving recommendation and application services, business scope cover loans, credit cards and financial management.

Rong is free for the user, which provides convenient, cost-effective, secure financial information services, and is currently the most extensive coverage in Beijing, as well as the largest financial service users search platform. UK Bond Network links high net worth, sophisticated and institutional investors with pre-vetted UK business borrowers through an innovative online bond auction platform.

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When Vexcash launched in , they brought the concept of payday loans to Germany as an alternative to regular long term loans. Aire offers an alternate credit score for people who are incorrectly classified because they have no credit history to help them qualify for essential financial products. Avant is a fast-growing marketplace lending platform that is lowering the costs and barriers of borrowing for consumers. Through the use of big data and machine-learning algorithms, the company offers a unique and highly customized approach to streamlined credit options.

At its core, Avant is a tech company that is dedicated to creating innovative and practical financial products for all consumers. Awamo is a startup that helps improve access to microcredit and reduces risk in emerging markets. Borro is an online company providing secured loans for luxury assets such as fine art, antiques, jewellery, luxury watches and handbags.

Divido is a cloud based credit origination and loan servicing platform that lets customers spread the cost of purchases over a period of time while the merchant gets paid in full right away. We developed our own risk-engine that makes us faster, more flexible and cuts operational costs. Borrowers and investors benefit from these advantages. Whether investors want to invest via fund, securitization or asset purchase, We accommodate the full spectrum. Apart from that, we have a strong focus on technology to automate and improve the status quo of credit underwriting.

Finally, we are market leader in Italy, a very attractive and completely overlooked market. Jimubox is a Beijing-based marketplace lending platform that provides small and medium enterprise loans and individual consumption loans to under banked Chinese borrowers. Jimubox delivers safe and attractive investment opportunities to RMB investors through an innovative online marketplace which leverages transparency and technology to ensure investor safety.

Lendify operates the leading online marketplace lending platform in Sweden and is in the strongest position to become the leading marketplace across the Nordics. Magilla Loans connects borrowers with banks without requesting any personal information, except an email address. The service is easy and free, and Magilla is committed to keeping the process anonymous by never requiring any private information. There is also no credit check required. After answering a handful of questions, a borrower can receive multiple loan proposals from FDIC-insured banks within a few hours. PrestaCap is a European digital platform conceived as an innovative instrument helping small businesses access credit in a fast and convenient way as an alternative to traditional banks.

Due to a high technology developed, PrestaCap can provide credit to SMEs in just three days, by matching them with a wide range of international investors willing to invest in their projects.

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The average age of its team is about 32 years old, its international presence is extended to UK, Italy, Germany, Luxemburg and India. Prospa is one of Australia's leading online small business lender.

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They provide unsecured business loans and finance for small business. They offer a fast and flexible solution to working capital needs, allowing you to concentrate on your job of building your business. Prospa is changing the way small and medium businesses are funded. SocietyOne is Australia's leading Peer-to-Peer lending platform where investors connect with borrowers to get a better deal. They pioneered marketplace lending in Australia by connecting creditworthy borrowers directly with investors.

SocietyOne removes the cost and complexity of the traditional lending process, bringing borrowers and investors a better experience and a better deal.

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