Category: Strategy News

Mastercard et Moderna font partie des entreprises ayant l’impact le plus positif sur la planète, selon le nouveau rapport de classement

aperture together with Impaakt launch their inaugural “Global Impact Rankings”, listing the companies having the most positive and negative impacts on the planet.

Genève, 29 novembre 2022 – Aperture, la société de capital de croissance et de services marketing, et Impaakt, une plateforme d’intelligence collective fournissant des données d’impact, lancent aujourd’hui leur premier “Global Impact Report”, un classement des entreprises ayant le plus d’impacts positifs et négatifs sur la planète.

Le rapport donne un aperçu de l’impact des entreprises sur un an, en utilisant Impaakt, une plateforme de données pour la finance durable. Impaakt s’appuie sur l’intelligence collective d’une communauté de plus de 50 000 membres qualifiés pour collecter des informations factuelles concernant l’impact des entreprises sur la planète et évaluer leur importance relative, en utilisant comme cadre les objectifs de développement durable (ODD) des Nations Unies. Cette méthode est fondée sur les opinions collectives de la communauté, qui sont non seulement fiables, mais aussi plus neutres et objectives que les méthodologies de tout fournisseur de notation individuel.

Au niveau macro, les résultats montrent que la plupart des entreprises ne font pas encore le nécéssaire pour améliorer leur impact global. Parmi les entreprises évaluées, les contributions aux ODD des Nations Unies sont plus négatives que positives. La plupart des entreprises – quelle que soit la qualité de leurs produits – ont toujours une empreinte environnementale négative dûe à leurs activités. Néanmoins, bien qu’aucune entreprise n’ait un bilan exclusivement positif, il y en a quelques-unes qui ont un impact positif considérable tant sur la société que sur l’environnement.

Les entreprises d’énergie renouvelable sont en tête de liste. Comme on peut s’y attendre, ces entreprises obtiennent de bons résultats dans le classement, avec First Solar et Sunrun occupant les premières places. Cependant, des entreprises d’autres secteurs, aux noms peut-être moins évocateurs, figurent également dans le top 10, comme Mastercard, Schneider Electric et Moderna, le fabricant des vaccins COVID-19. 

Les entreprises des secteurs du pétrole et du gaz, des mines et du tabac sont celles qui obtiennent les scores les plus négatifs, avec CNOOC, Vale et Saudi Aramco arrivant en fin de liste. Le rapport met également en lumière d’autres entreprises, telles que Apple et Nestlé, dont on pourrait supposer qu’elles obtiennent un score positif élevé, et révèle que, lorsque plusieurs facteurs sont pris en compte, le bilan est plus complexe.

Ben Robinson, cofondateur et PDG d’aperture, a commenté:

“Nous pensons que ce rapport arrive à point nommé. Comme la Cop27 nous l’a montré, nous ne pouvons pas compter uniquement sur les gouvernements pour mener la lutte contre le changement climatique. En tant qu’individus – consommateurs, employés, investisseurs – nous devons également jouer un rôle en demandant des comptes aux entreprises. Ce rapport – et, par extension, la plateforme Impaakt – donne aux gens une vision simple et claire des entreprises qui ont un impact positif ou négatif sur notre planète, afin que nous puissions choisir de leur apporter notre soutien ou non.”

Bertrand Gacon & Sylvain Massot, cofondateurs d’Impaakt, ont expliqué :

“De par sa nature même, la durabilité est un effort collectif. Les entreprises ne peuvent réaliser des progrès significatifs que si l’ensemble de leur écosystème est impliqué dans le processus. Ce rapport est l’occasion idéale de démontrer l’approche participative d’Impaakt, qui implique les parties prenantes qui comptent le plus (et qui ont une connaissance directe) dans l’ensemble du processus de durabilité. Il en résulte une évaluation d’impact plus significative et une gestion d’impact plus efficace.”

Consultez le rapport complet sur aperture.co/global-impact-report  

À propos d’Impaakt

Impaakt est une plateforme collaborative. Notre mission est de fournir des évaluations d’impact qualitatives et des scores d’impact significatifs en temps réel, permettant de diriger les capitaux vers les entreprises ayant le meilleur impact possible sur la planète et la société. Nous utilisons l’intelligence collective (c’est-à-dire vous !) et l’IA pour fournir une profondeur et une diversité d’analyse qu’aucun autre système n’offre. 

Pour plus d’informations, visitez www.impaakt.com

A propos d’aperture

aperture aide à dé-risquer la croissance des entreprises technologiques en phase de démarrage. Pour ce faire, nous fournissons une combinaison de services go-to-market, de conseil et de capital d’investissement en phase de démarrage. Aperture est spécialisée dans le travail avec les entreprises de plateforme, notamment dans le secteur des services financiers. Nous sommes investisseurs dans Impaakt et fiers de présenter ses recherches révolutionnaires.

Pour plus d’informations, visitez www.aperture.co 

Pour toute demande de renseignements: media@aperture.co

First Solar, Mastercard and Moderna among the companies to have the most positive impact on the planet, according to new ranking report

aperture together with Impaakt launch their inaugural “Global Impact Rankings”, listing the companies having the most positive and negative impacts on the planet.

Switzerland, Geneva, 29 November 2022 – aperture, the growth capital and marketing services company, together with Impaakt, a collective intelligence platform for impact data, today launch their inaugural “Global Impact Rankings”, listing the companies having the most positive and negative impacts on the planet.

The “Global Impact Rankings” report takes a snapshot of company impact data, using the Impaakt data platform. Impaakt relies on the collective intelligence of more than 50,000 trained community members to source and rate the relative importance of factual information about companies’ impact on the planet, using the UN’s Sustainable Development Goals (SDGs) as the framework. The premise is that the community’s collective views are not only valid, but more neutral and objective than the views or methodologies of any individual ratings provider.

At a macro level, the results show that most companies are not yet doing enough to improve their planetary impact.  From the companies assessed, the contributions to the UN Sustainable Development Goals are more negative than positive. Most companies – however good their products – still have a negative environmental footprint from their operations. Nonetheless, while no company’s impacts are wholly positive, there are some companies that have significant positive impacts on both people and planet.

Clean energy companies top the list. Unsurprisingly, clean energy companies score well in the rankings, with First Solar and Sunrun taking the top spots. However, companies from other sectors, and possibly less intuitive names, also feature in the top 10, such as Mastercard, Schneider Electric and Moderna, maker of the COVID-19 vaccines. 

Companies from the oil and gas, mining and tobacco sectors are those with the most negative scores, with CNOOC, Vale and Saudi Aramco coming bottom of the list. The report also shines a light on other companies, such as Apple and Nestlé, which one might assume would have a high positive score, and shows how, when multiple factors are taken into account, the picture is more complex.

Ben Robinson, co-founder and CEO of aperture, commented:

“We believe this report is very timely. As Cop27 showed us, we cannot rely solely on governments to lead the action on climate change. We as individuals – consumers, employees, investors – must also play a role in holding companies to account. This report – and, by extension, the Impaakt platform – gives people a straightforward and easy-to-understand picture of which companies are positively or negatively impacting our planet, so that we can vote with our feet.”

Bertrand Gacon & Sylvain Massot, co-founders of Impaakt, explained:

“By its very nature, sustainability is a collective endeavour. Companies can only make significant progress if their entire ecosystem is involved in the process. This report is an ideal opportunity to demonstrate Impaakt’s participatory approach, which involves the stakeholders who matter most (and have direct knowledge) in the entire sustainability process. This results in more meaningful impact assessment and more effective impact management”.

View the full report at aperture.co/global-impact-report  

About Impaakt

Impaakt is a collaborative platform. Our mission is to provide qualitative impact assessments and meaningful, real-time impact scores, helping direct capital to companies with the best possible impact on the planet and society. We use collective intelligence (i.e. you!) and AI to deliver a depth and diversity of analysis that no other system offers. 

For more information, visit www.impaakt.com

About aperture

aperture helps de-risk the growth of early-stage technology companies. We do so by providing a combination of go-to-market services, consulting and early-stage investment capital. Aperture specialises in working with platform business, especially in the financial services sector. We are investors in Impaakt and proud to present its ground-breaking research.

For more information, visit www.aperture.co 

For enquiries: media@aperture.co

Three facts we learnt from the Embedded Insurance 2.0 Report

Jaid helps large institutions to intelligently automate important but mundane tasks, like resolving customer post-trade queries or updating CRM systems for changes in deal statuses.

Technology has continued to infiltrate and improve every part of our day-to-day lives and insurance is no exception.

Despite the hype around and investment into insurtech coupled with the eagerness from big corporates all the way to smaller fintechs to disrupt the space, it may come as a surprise that the current model for insurance is still not working, although it is clear that there is huge potential to close the ‘protection gap’, and bring significant gains for just about any brand.

So, why is that? First and foremost, insurtech is a highly complex vertical and one that is truly misjudged; for example, non-financial brands misunderstand the potential for embedded insurance into everyday goods and what the first steps to successfully making it work is.

Secondly, part of the problem is that today’s insurance products are primarily designed for the well-off. Those with enough discretionary income can afford the prices the incumbent industry needs to charge to make a profit.

Lastly, the feelings attached to the industry from the wider population range from ‘scam’ to ‘unnecessary’ all the way to ‘unaffordable’, yet all three sentiments around insurance could not be further from the truth.

At Aperture, our vision for embedded insurance is: “More and better protection baked into the everyday lives of everyone.”

Over the next decade, the world is due to, cumulatively, spend roughly $80 trillion on insurance, yet the gaps between what people need for protection against risks and threats and the coverage they have are getting wider and wider.

When done well, insurance brings peace of mind to consumers and businesses, protecting them from threats and giving them the confidence to try new things. By incorporating ‘peace of mind’ and ‘resilience’ into their customer propositions, brands have the potential to create new growth and value for themselves.

At Aperture, we’re constantly looking at how embedded insurance can transform industries and solve very real problems faced in today’s world. Here are our three takeaways on the landscape pulled from our extensive coverage report (which you can access here).

Investors want to see more innovation from the insurance sector

For the last decade, institutional investors have seen the insurance sector as a relatively safe haven for investments in the financial space.

Yet, the insurance market is untapped. Truly, there is nothing investors love to see more than a space ready for a renaissance, that can create ethical profits for the business and really benefit the end-user’s day-to-day life.

Many firms are noticing that the addressable market is way bigger than originally anticipated. 

They are keen to delve into much-hyped industries, however, without seeing actual impact and justification for why sectors like insurtech are ripe for disruption, it can be harder to get them excited once the hype dies down.

Today, the worldwide retirement savings gap is over $98 trillion…

… which is only a fraction of the bigger picture. Closing the protection gap is a noble cause and one that looks at the amount of money that can protect for the future, whether its life insurance, retirement savings or insurance on everyday goods.

Protection gaps are defined as the difference between the amount of insurance that is economically beneficial and the amount of coverage actually purchased. 

According to Mercer and the World Economic Forum, in India the retirement gap is more than $3 trillion today, growing at 10% per year. Even in ‘rich’ countries like the UK, the retirement savings gap is over $10 trillion today. In emerging markets, insurance and savings typically meet less than 10% of the population’s protection needs. In Mexico, for example, over 60% of vehicles are without motor insurance. In China, out of pocket expenditure on healthcare stands at $193 billion, which is three times insurance cover.

These figures are not easy to rectify, and local governments will not be able to address these gaps alone.

One of the most effective routes to decrease these figures – brands have an intimate relationship with their customers and are in a golden position to provide the most appropriate protection solution.

Any brand regardless of industry can benefit from the opportunities embedded insurance provide

Over $5 trillion of insurance could be distributed by non-insurance brands, worldwide.

Currently, brands have not had much involvement in the process of designing protection or peace of mind solutions for their customers, therefore insurance comes off as a supplementary product that looks and feels years behind the brands own image and mission, creating a disconnect for end-consumers.

Unfortunately, this is because it has been left to insurance companies to create risk management solutions, operating without consideration for the everyday lives of the general public and using partial information to create products which are too complex and difficult to supply profitably.

The companies – brands – that create the products, services and solutions that enable these everyday activities – retailers, banks, healthcare providers, transporters, media, telcos, equipment suppliers, realtors, NGOs, employers, manufacturers, and digital platforms across all sectors – have more knowledge about the risks and threats inherent in the products and services they offer than anyone else.

This knowledge is becoming increasingly enriched with data as more and more products and services are digitised. Building thoughtful and useful embedded insurance solutions into well loved brands can change the widespread.

As outlined in this blog, it is very clear to us that the possibilities are endless. We see embedded finance, in particular insurance, as the clear future of financial integration powering up industries as wide ranging as the travel space, e-commerce space, even the delivery space.

To really take advantage of embedded insurance, it is critical to have the right tools to understand what you need and the addressable market as it stands today.

Download the ultimate guide to embedded insurance, or to hear how leaders within the space see it, you can watch our 4×4 Virtual Salon on Embedded Insurance here.

The Market Map
Embedded Insurance 2.0

The most comprehensive analysis of the multi-trillion dollar Embedded Insurance market opportunity for brands, insurers, entrepreneurs and investors.

90+ pages; 46 Embedded Insurance providers profiled; 19+ Charts, diagrams and tables; 20 case studies; The Market Map quadrant.

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aperture launches The Market Map for Banking-as-a-Service Providers

aperture, the Swiss strategy consultancy, today launches a new report on the embedded banking market, “Embedded Banking: The Opportunity and the BaaS Providers Best Placed to Help Companies Capitalize on It”.

  • The second Market Map produced by aperture – first was focused on wealth management software
  • The Market Map for BaaS Providers applies the firm’s proprietary, digital age, evaluation methodology to 45 provider solutions
  • The Market Map assesses providers according to their ability to enable business model innovation and technology innovation

Geneva, 29 September 2021 – aperture, a strategy consultancy, today launches a new report on the embedded banking market, “Embedded Banking: The Opportunity and the Providers Best Placed to Help Companies Capitalize on It”. The report includes The Market Map for Banking-as-a-Service (BaaS) Providers, an evaluation of 45 BaaS platforms based on digital age criteria.

Embedded banking is the phenomenon whereby consumer-facing companies can offer banking products and services, seamlessly embedded into existing user journeys, without having to become banks themselves. Since embedded – or contextual – banking promises to give consumers banking services when and where they need, it will increase conversion and the overall size of the market. According to estimates from Simon Torrance – founder of Embedded Finance & Super App Strategies – the embedded banking opportunity could add USD3.7 trillion to the market capitalization of the companies able to exploit it.

Embedded banking is attracting a lot of start-ups and venture capital. The size of the market opportunity has drawn significant venture capital investment  – USD22 billion in 2020, according to Pitchbook – and a wave of start-ups. These start-ups are mostly focused on Banking-as-a-Service (BaaS), providing the infrastructure that allows brands to offer discrete banking services, such as payments. Some incumbent banks, such as Goldman Sachs, are also pursuing the opportunity.

The challenge for embedder brands is navigating this complex and fast-moving space. Not only is the number of BaaS providers proliferating, but there are significant differences between the providers, such as whether they are vertically integrated or modular, where they operate and what services they provide.

aperture’s Market Map provides a digital age framework to help decision makers select the right platform to meet their strategic needs. The Market Map is a proprietary methodology that assesses platforms on the basis of the ability to enable business model innovation and their ability to enable technology innovation. In addition to The Market Map, the report also includes extensive information for each provider about services offered and geographies covered  – all compiled using publicly available information, complemented by a proprietary RFI process.

Simon Torrance, CEO of Embedded Finance & Super App Strategies, commented,

“Embedded banking is a hugely exciting and nascent market opportunity. Most brands are only starting to wake up to the possibility of providing digital banking services alongside their existing offering to grow customer lifetime value and loyalty.”

Simon added:

“This aperture report is unique and timely in that it both takes a comprehensive look at the BaaS provider landscape and applies digital age criteria to assessing it. After reading the report, a decision maker will be able to determine which BaaS providers are able to meet their use cases in the location where they operate, but also which will enable the company to achieve their business objectives – whether adding a service to enhance an existing value proposition or using banking to springboard a more fundamental change in their business model.”

Ben Robinson, co-founder of aperture, added:

“The aim of this report is to throw light on an area of fintech that is fast-growing, exciting, but still unexplored by industry analyst research. Unlike other evaluation matrixes, The Market Map is not meant to separate good from bad, but to help those charged with system selection to understand which platforms can help them to achieve their strategic goals.”

Ben continued:

“Ours is a new approach where we’re not concerned with how big a provider is or how many consultants it has, but the extent to which its solution can fundamentally improve end-user experiences and/or fundamentally change a business’ operating, sourcing and distribution models. Because this is our objective and because we use mainly publicly available information to compile The Market Map, we can be highly inclusive – featuring 45 providers in the report, even those with small revenues and customer numbers.”

The Market Map for BaaS is the second market assessment of its kind. The first (The Market Map for Wealth Management Software, H1 2021) was published in February 2021.

END

About aperture

At aperture, we grow digital-age businesses. We do this on behalf of incumbents launching new business units, universities spinning out commercial projects, and start-ups.

We provide strategy consulting, marketing services, product and project management, and investment – individually or as a bundle, as needed.

Our roots are in the B2B fintech space (enterprise banking tech platforms), but we also work with B2C companies (challenger banks, marketplaces, embedded banking).

For more information, visit www.aperture.co

For enquiries: strategy@aperture.co

aperture launches its “Market Map for Wealth Management Software” with some surprising results

aperture, the Swiss strategy consultancy, today launches its “Market Map for Wealth Management Software” as part of an in-depth report, “Digital Age Wealth Management” looking at the customer, technology and business model trends transforming the industry.

New vendor evaluation methodology places relatively unknown providers like Nucoro and Elinvar over much better known and more established players like Avaloq and Investcloud.

Geneva, 16 February 2021 – aperture, the Swiss strategy consultancy, today launches its “Market Map for Wealth Management Software” as part of an in-depth report, “Digital Age Wealth Management” looking at the customer, technology and business model trends transforming the industry.

The Market Map has been introduced to address the shortcomings of conventional vendor evaluations. Until now, most vendor evaluations have focused on product breadth and vendor maturity. However, not only do these criteria favor large vendors over small vendors, but they are increasingly irrelevant in an age where functionality can be sourced easily via API integrations to third-party applications and where vendor maturity often correlates with antiquated technology.

The Market Map is a new software evaluation methodology designed to assess the key criteria for systems in the digital age. It takes as its focus the capacity for innovation. More specifically, it looks at two axes: the ability of software solutions to help firms capitalize on new technologies to improve customer propositions, and the ability of solutions to help firms to adapt – or launch new – business models for the digital age. As regards the latter, the broader report sets out in detail the ways in which business models are changing from being supply-driven and vertically integrated to being demand-led and networked.

Given the radically different criteria used by The Market Map, it throws up very different results to conventional analyses. To underline this point, the report contrasts the results of its evaluation against conventional criteria to demonstrate that not a single vendor has the same position and many “niche players” become leaders (or “transformers” in its terminology).

According to The Market Map, the best solutions for digital wealth management are Nucoro (based in London), Hydrogen (New York), Elinvar (Berlin), additiv (Switzerland), and Temenos (Switzerland).

Ben Robinson, co-founder of aperture, commented:

“Digitization is turning competitive advantage on its head. Mass production for the mass market is no longer a winning strategy. Instead, firms must leverage the power of computing and networks to deliver better customer outcomes at greater scale. However, the way we evaluate the solutions that are critical to doing this has been unchanged for decades. With The Market Map, we have sought to upgrade vendor assessment criteria to help those charged with selecting and investing in software solutions to make better informed decisions about what characteristics matter in the digital age.”

This Thursday, 18 February, two of the leaders from the report, Elinvar and additiv, will appear alongside Impaakt, identified as a “company to watch” in the report, and Tinkoff, the banking super app, on a 4 x 4 Virtual Salon discussing “New Business Models in Wealth Management”. More details here.

END

About aperture

aperture is a strategy consultancy with a difference. We design, build, fund and scale digital era companies. We do this on behalf of incumbents launching new business units, universities spinning out commercial projects, and start-ups. Our services consist of consulting, investing and, most importantly, doing. We like to embed ourselves in the companies we work with, applying all of our team’s expertise to acquiring customers and unleashing network effects.

As well as its core business, aperture is also a content producer, hosting the popular “Structural Shifts” podcast and publishing The Market Map, a digital age methodology for evaluating software solutions.

For more information, visit www.aperture.co

For enquiries: contact@aperture.co