Financial technology has been the back office support function for bankers and traders. Venture capitalists have barely invested in the sector. The industry’s public companies have rarely been compared to the high-growth Silicon Valley broadcasters.

But things have changed dramatically. Over the past decade, private venture capital has exploded, along with the proportion of investment dollars going into fintech. Fintech has found its place in the innovation economy and has grown so much that it is increasingly difficult to differentiate hype from reality. For several years, chatbots and artificial intelligence, blockchain and cryptoassets, roboadvisors and neobanks, and many other digitised tokens have become buzzwords in the commercial media.

Large global banks have created corporate business arms and digital incubators, investing in start-ups, acquirers or copiers. Around the world, Eastern technology companies have launched premium messaging apps with hundreds of millions of users and integrated financial services, outpacing the potential of Western-controlled jurisdictions. US high-tech companies have also been looking deeply into ways to offer financial products without contacting the third regulatory railway.

Over the past decade, private venture capital has soared, along with the proportion of investment dollars going into fintech.
To make things more competitive, major shareholders such as JP Morgan Chase & Co, Goldman Sachs Group Inc, Banco Bilbao Vizcaya Argentaria, Banco Santander and others have launched new solutions for their product-based solutions.
Investors such as Softbank have invested billions of dollars in direct-to-consumer financial technology companies for the opportunity to serve the currently unprofitable Millennial customer.
Direct automation has created a lot of vertical competition between different industry sectors.
Technology companies are deteriorating financially and directing their billions of website visitors to partners and suppliers.
From product to consumer
Finance is much simpler than you might think. There are factories that manufacture products: banks with interest rate deposits or investment managers that create investment funds, or lenders and insurers that underwrite some of the customer’s risks with capital. Then there are the shops that sell the product: bank branches, financial advisors, insurance salesmen or loan officers.

Between these two extremes are complex value chains of people, balance sheets and software, intertwined by regulatory and industry habits. But at the end of the day, customers visit a shop and buy some financial products.

The impact of digitalisation
Digitalisation is happening all along the value chain. At the front office, consumer relationships are moving from physical conversations to mobile phones. Examples include European neobanks like Revolut, US roboadvisors like Betterment or Asian insurtechs like Ping An.

Gross automation is being implemented in the assessment, on-boarding and customer service process. More speculative interfaces use machine learning and natural language processing to generate conversation and speech, rather than allowing people to interact with a live agent.

This simple automation has led to intense vertical competition between various sectors of the industry as they seek to bundle and sell their services. The best digital lender now competes with the best digital payments app for the opportunity to offer the best digital bank account.

Direct-to-consumer fintech
Investors such as Softbank have invested billions of dollars in direct-to-consumer financial technology companies for the opportunity to serve the currently unprofitable Millennial customer.

Many mobile apps have millions of small accounts as customers. Traditional financial investors are sceptical that the economics of these companies can work over the long term and return capital.

Direct automation has generated a lot of vertical competition between different industry sectors. The best digital lender now competes with the best digital payments app for the opportunity to offer the best digital bank account.

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Marking territory and stretching their bodies are just some of the reasons why cats scratch. In the following lines, we are going to find out more about the reasons why cats scratch objects and what we should do in this situation.

Anyone who has a pet cat in the home must have wondered why they scratch objects. In addition to having certain special considerations in their upbringing, they also have a fixation for scratching some kind of furniture and we don’t know why.

We tend to think that cats scratch because it’s a way of showing their anger or their level of conceit; nothing could be further from the truth.

Scratching is a natural behaviour for felines and there are different reasons why they do it.

Reasons why cats scratch
One of the most common reasons cats scratch objects is to mark their territory, either with visual markings or with pheromones that tend to be released from their paw pads and are detectable by other animals.

Cats also scratch objects because it helps them remove the dead outer layers of their claws, a kind of canine exfoliation.

It also serves to stretch their bodies, as well as their joints and claws, a natural feline relaxation exercise.

But scratching also relieves stress at times when they feel very tense, frustrated or anxious.

What should I do if my cat scratches a lot at home?
Punishment is not the best way to correct a cat’s scratching behaviour, as it could intensify the frustration they feel, aggravating the problem.

According to specialists, there are certain actions we can take to modify their behaviour. One of them is to identify the places where they choose to scratch and place certain commercial products to help them scratch, such as small rugs or scratching posts.

There are some special products on the market that can help us to solve this problem. Odour neutralisers or repellents are very useful to keep cats away from areas where they often scratch.

Another valuable tip is to place in the typical scratching area some objects that are unpleasant to the animal, such as aluminium foil or scented cotton wool, in order to naturally repel the pet.

Finally, once the environment has been conditioned with the objects we want him to scratch, it will be ideal to help him understand that it is a good place to scratch and encourage him to get into the habit of doing so in that area.

Correcting the cat’s behaviour and getting him to scratch in the special scratching area can be a slow and tedious process. Patience is necessary to modify the behaviour; little by little, we will achieve the goal of getting the cat to scratch in a particular area.

cat scratching post with bed

This millenary technique is present in different cultures and religions throughout history. How does it work and in which cases can it be applied?

The Akashic Records are a universal memory of existence, and represent a multidimensional space where all the experiences of the soul are archived, including all the knowledge and experiences of past lives, present life and future potentialities.

It is like a great library of energetic information about all that was, is or will be in the universe, of which we are all a part.

There are people who specialise in this subject and acquire the ability to provide the patient with a map of their akashic records through a reading.

Specialists who know how to read akashic records claim that this energetic system contains:

All the potentialities that the “Soul” possesses for its evolution in this life,
The true raison d’être of each person, and the meaning of existence,
All the lessons to be learnt and lessons to be learned, and
The answers to the great questions and curiosities of his life.
The adjective akashic comes from the Sanskrit term “Akaśa”, meaning ‘ether’. It is space or cosmic energy that permeates the entire universe and is the subtle vehicle that carries sound, light and information, the constituent bases of energy and life.

In essence it is a very fine substance that bathes the universe, in which all thoughts, all words uttered, emotions felt and actions committed by people throughout the ages are collected. That is why it is often also called “The Book of Life”. It exists for the individual, planetary and universal plane with different vibrational frequencies.

It is the matrix of everything from which the crystallisation of the spirit or the “Akash”, the primordial substance, arises, which are these famous records. From there one can be born into different soul realities to have experiences that facilitate evolution, the learning of consciousness.

These “archives”, when opened through a reading, connect us with that part of us which is in reality part of the Whole.

The Akashic Records also appear under different names in the great civilisations of history such as the Egyptians, who know them as the “Tablets of Thoth”, in Islam (the Eternal Tablet) and even in the Mayan civilisations.

Schools and experts in this field claim that these records can be accessed through the energy coming down from “Masters” and “Guides”. These are spiritual teachers, professors and loved ones who accompany a person and are able to translate the information they need to evolve in their search for peace, well-being and self-understanding.

What is an Akashic Record Reading and what is it for?
How is an Akashic Record Reading done?

The Akashic Records reading is a technique that helps people to know themselves, with the ultimate goal of becoming happier and finding inner peace. It allows us to connect with the memory (the records) of our own soul.

In a reading from these “archives”, people formulate the questions they seek answers to in order to solve problems that affect them, and the reader will channel those queries to that person’s guides. The guides are the ones who provide the information the person needs to evolve and find a greater state of well-being.

That is why it is important to come to the reading having thought beforehand about the questions we want to ask. In this context, questions that are answered with a simple “yes” or “no” are less useful.

It is more important to ask “why” and find out the reasons for what ails us, the “how” we can solve it. In other words, the most useful questions in a reading begin with “what”, “why” and “how”.

Guides cannot answer questions about “when” certain things happen, happened or will happen. They are not fortune tellers. And insofar as they inhabit this essential plane that encompasses knowledge and the collective consciousness of all history, time is a meaningless notion in this kind of practice.

During the reading, any doubt or question that has to do with our own self-knowledge can be asked. That is to say, we can ask about work, health, sentimental issues, talents or gifts, blockages, dreams and nightmares, links with other people, projects of all kinds, etc.

Those who practice this type of reading assure that it can be used to unblock certain aspects of the person’s life that are blocked (at a work or emotional level, etc.) or even to discover gifts inherited from past lives or the meaning of recurring dreams.

Often it can happen that the guide does not directly answer the question but sends information that, put in context, is much more valuable to discover what the person is going through and how they can resolve it.

As the aim is to find wellbeing, the reading does not imply that the person making the consultation goes through a stressful or fearful situation. On the contrary, the aim is to help them understand what is happening to them, how to solve it or how to prevent it from happening again.

But guides are not in charge of telling the person seeking healing what to do to find it. They are companions on this path, but they let them learn the lessons for themselves. They can provide guidance in understanding the things that happen and why, so that the person can overcome their problems more easily and with as little suffering as possible.

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