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BGF Ventures investors are tapping into a £2.5 billion fund created by Britain's 5 biggest banks - Business Insider

British Growth Fund (BGF) — a £2.5 billion investment company that backs businesses across the UK — decided to allocate £200 million to an early stage venture capital (VC) fund almost exactly a year ago to the day.

Twelve months down the line, and that VC pot (BGF Ventures) has been put to use on no less than nine occasions, backing the likes of food delivery startup Gousto, NHS doctor provider Network Locum, and children's craft supplier toucanBox along the way.

"I think we’re the second most active venture investor in the UK this year," said BGF Ventures partner Harry Briggs at British Growth Fund's new London office.

BGF was set up in 2011 to provide British businesses with the capital that they need to grow. Its shareholders — who pledged £500 million each — are Britain's five biggest banks: Barclays, Lloyds, Standard Chartered, RBS, and HSBC. The organisation invests between £2 million and £10 million in businesses across Britain with annual revenues over £5 million operating across a variety of industries. It has backed the likes of fitness chain Gymbox and fashion retailer Oliver Sweeney.

The dedicated BGF Ventures fund, on the other hand, is purely for early stage tech companies that generally have smaller revenues than the average BGF-backed company. "Our investment range is £1 million to £6 million," said Rory Stirling, another one of the BGF Ventures partners. "Our average investment size over the last year has been £3 million, which is bang on what we thought it would be.

"We had a hypothesis when we started that there’d been a lot of change in innovation in new funds at seed and let’s be honest, the reality as to why it hasn’t changed at Series A is it’s really difficult to raise a decent sized fund to have an impact. That’s where partnering with BGF, and the significant resources they’ve got, is amazing for us because it allows us to shortcut that fundraising process. It gives us a decent amount."

Veteran VCs Briggs and Stirling launched the BGF Ventures fund with former LoveFilm CEO Simon Calver, who hadn't made any venture capital investments until almost a year ago when he backed Gousto in what was the first BGF Ventures investment.

BGF Ventures invested in Roli, the startup that made this musical instrument. ROLI

"Part of the attraction of coming here, BGF, is this isn’t a fund where we have to raise the next one in four to five years or where we need to give money back to LPs (limited partners) in seven years or so," said Calver. "So therefore we call it 'patient capital'. It is in the sense that we’ll back people as long as they need to be backed to be a successful company."

Other UK tech startups backed by BGF Ventures include in-app ad platform Tapdaq, recruitment platform PeopleGraph, fashion startup Mastered, digital instrument manufacturer Roli, and call centre software provider New Voice Media.

Being a UK-focused venture capital

via uk.businessinsider.com

These were the 10 biggest European tech stories this week | VentureBeat | Deals | by Jaime Novoa, Tech.eu

Above: Flags of the United Kingdom and European Union

Image Credit: Reuters

Here’s an overview of the 10 biggest European tech news items for this week:

1) Hailo and Daimler-owned MyTaxi agreed to merge in an all-share deal to fend off Uber and other competitors in the crowded on-demand transportation space. Both companies will continue operating under the MyTaxi brand. Hailo had raised more than €90 million in funding from the likes of Accel, Union Square Ventures, Atomico, Wellington Partners, and Sir Richard Branson.

2) Another major exit could be in the works: According to Bloomberg, SoundCloud’s owners are considering a sale that could value the German music streaming company at $1 billion.

3) Belgian food delivery startup Take Eat Easy has stopped operations, and also filed for juridical restructuring, after being unable to secure more funding. The company had previously raised more than €16 million from investors such as DN Capital, Eight Roads Ventures, Piton Capital, and Rocket Internet.

4) Rocket Internet and FinTech Group have an agreement in place to develop digital banking services and companies together. Rocket Internet’s two previous forays into FinTech (Payleven and Paymill) did not end very well.

5) Another German FinTech startup, N26 (formerly Number 26), launched a third-party investment product on its platform. N26 announced in mid-July a new $40 million capital injection.

6) France-based 360 Capital Partners reached an agreement with Orkos Capital to manage Robolution Capital, a €80 million fund dedicated to robotics, artificial intelligence, and Internet of Things.

7) Ireland to

via venturebeat.com

Berlin’s Startup Hub Wants to Prove It’s More Than Just a Scene - Bloomberg

Photographer: Ervier Hijano for Bloomberg Buisnessweek

Berlin’s Startup Hub Wants to Prove It’s More Than Just a Scene

“First came the artists, then came the DJs, and then came the entrepreneurs.”

Adam Satariano satariano

Stefan Nicola StefanNicolaBBG

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July 28, 2016 — 10:00 AM CEST

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via www.bloomberg.com

Return Of The Micro VC

Now that Micro VCs have found their niche in the ecosystem, investors are more willing than ever to support them despite a challenging capital climate.

Two ends of the venture investing spectrum attract the bulk of attention.

First is big, established firms with assets under management in the nine-to-ten figure range. These firms have been top of mind in the tech and finance communities for decades at this point. But more recently, there has also been an uptick in attention paid to smaller, scrappier VC firms whose coffers are much smaller.

In December 2015, Shaun Abrahamson of Urban.us published “The Micro VCs Are Coming.” Over seven months later we are going to find out what, if anything, has changed in the Micro VC landscape.

Micro VCs Are Now Firmly Established

According to this chart published by First Republic managing director Samir Kaji, investment activity on the general partner side of the Micro VC market is humming along nicely. 

Since the start of 2016, over 50 new Micro VC firms have been raised. And it looks like the trend is generally up and to the right. All is well, right?

Source: Samir Kaji

Let’s peel things back a bit.

First, though, it’s important to be clear about what we mean by “Micro VC.” The generally accepted definition of a Micro VC is a fund that fits the following categories:

• A Micro VC has under $100 million in assets under management.
• The Micro VC makes a supermajority of its investments in seed stage companies.
• Capital is raised from outside investors (i.e. limited partners) rather than general partners of the fund. 

According to a recent report from Preqin, there were 501 funds operating globally that meet these criteria as of June 6, 2016. These funds either manage or are looking to raise some $23 billion.

Preqin’s findings indicate that Micro VCs make up a large majority of venture funds. And although $100 million is the upper bound to be counted in this category, funds with $50 million or less in AUM account for the lion’s share of the Micro VC ecosystem.

Recent Headwinds Lead to Cooling VC Market

There is a slowdown across the board in venture capital fundraising and investment activity for both general partners and startup companies. 

According to a recent release from the NVCA, US venture capital firms of all sizes raised $8.8 billion across 67 funds in Q2, with capital commitments down 37% from the first quarter of 2016. 

The relevant figure to aspiring fund managers is the notable decrease in the number of new funds originated relative to the number of follow-on funds raised by established firms. The number of new funds raised in Q2 of 2016 is 19—less than half of the 34 new funds raised in Q2 last year.

Recalling that the bulk of Micro VCs’ investments are made at the Seed stage, what might be more disconcerting are the changes in the market for early stage startup equity. According to recent analysis from Mattermark, the number of Seed stage deals decreased in Q2 of 2016 by 42.4% relative to the same period last year. Comparing deal volume in this quarter relative to last, though, we find a decrease of 61.4%. 

Ouch.

The Micro VCs Strike Back?

It’s hard to imagine a situation where these market forces don’t affect current or developing Micro VC funds.

However, despite these headwinds, it appears as though Micro VCs are not experiencing much friction in their fundraising activity, at least through June 2016.

The chart above should be heartening to any investor looking to get into the Micro VC game. Through June, 2016, new Micro VC funds saw the lowest level of undersubscription in the last decade. Put differently, three quarters of general partners raising Micro VC funds met or exceeded their target fund size.

The appeal of Micro VC funds to investors remains strong. These funds are still a good way for limited partners to gain exposure to more seed stage deals in market niches that larger funds don’t see or lack the incentive to pursue.

Despite a challenging funding environment for startups and other categories of venture capitalists, limited partners appear to be more willing now than ever to commit capital to these small investment vehicles. Whether they continue to do so throughout the rest of this year and beyond, of course, remains to be seen. That being said, Micro VC funds now have both a niche and momentum which likely bodes well for them going forward.

#Insurtech #Autolina = @AXAVentures invests in autolina.ch, a car trading platform

 

AXA Strategic Ventures (ASV) adds today a new company in its Early Stage portfolio in Europe: Autolina.ch, a Swiss start-up that developed an automated B2B, B2C and C2B technology dedicated to car dealers. 

The investment will allow Autolina.ch to develop new products and services as part of a mobility ecosystem and accelerate its commercial development in Switzerland and outside of its domestic market. 

 

PARIS, 7 JULY 2016 

There are approximately 1 million cars advertised, bought and sold in Switzerland every year. 70% to 80% of them are sold or procured online, making Internet the most used sales channel. AXA Winterthur wants to position itself on this market by creating a major mobility ecosystem. 

Autolina.ch AG, founded in 2015 in Switzerland, is one of the first strategic partners to build this ecosystem. Indeed, the founders of the company have been in this business for many years and have built a strong network in this country. Moreover, the online platform is a significant lead generator as it generates high user traffic. It offers at this stage four types of services: a B2C marketplace on which car dealers can sell the exact type of cars desired by the customer; a C2B business through which individual customers can sell their car to car dealers on an auction basis; a B2B exchange market to ease the exchanges between car dealers; a job marketplace on which car dealers can post their job offers. 

Part of the funds will be allocated to extend Autolina’s activities. The platform is an important pillar to build the future ecosystem. Besides that, autolina.ch as a cooperation partner is involved in building and operating the new “DriveAgain” service. It is an online garage service, which provides quotes for repairs based on specification put in by the customer. DriveAgain is a good opportunity to ease the process for customers but also lower the cost of auto repair and car insurance. 

“Following last year's successful market launch of Autolina.ch, our next goals are to achieve a lasting market presence in Switzerland in addition to expanding abroad. The investment by AXA Strategic Ventures offers us valuable support in implementing these plans, commented Ibrahim Yildiz, CEO Autolina.ch. We are convinced that, with AXA Group, we have found the right partner, and we are looking forward to working together to further develop Autolina.ch.” 2 

 

“We mainly want to invest in Autolina.ch in order to develop a build-up around car ecosystems in services that we can scale outside Switzerland throughout Europe, said Minh Q.Tran, General Partner, AXA Strategic Ventures. We also look for start-ups dealing with garage owners, spare parts, telematics, … Autolina.ch represents for us the perfect platform to grow other services. ” 

About Autolina.ch AG 

Autolina.ch was founded in 2015. Specialized in car trading, the platform gives car dealers the possibility to sell and buy vehicles. Benefiting from a good network in Switzerland, it eases the car selling or exchange processes and can provide adequate specialists in automobile business. Autolina.ch carries online vehicle advertisements offering exclusive functions. From its current total of 115,000 ads, Autolina.ch aims to become the biggest portal for vehicle advertisements within the next 12 months. 

For more information: www.autolina.ch, / contact : [email protected]

 

#CVC - Five Steps To Create A Sustainable And Successful Corporate Venture | Sapphire Ventures

Five Steps To Create A Sustainable And Successful Corporate Venture

From Forbes Voices, by Nino Marakovic, CEO and Managing Director, SAP Ventures

With the technology industry in the midst of another boom cycle, many large corporations, particularly IT vendors, are investing heavily in their corporate venture efforts to gain access to trends in innovation and investment opportunities. However, previous booms have demonstrated that creating a sustainable corporate venture organization is in fact quite difficult even for companies with the best intentions.

Large corporations are well-positioned to be successful venture investors. Most have large cash balances, tremendous knowledge of emerging technology markets and customer needs, and significant capabilities and commercial networks. These competencies make the large corporation a differentiated and value-added venture investor in a world where capital is a commodity.

Creating such an organization within a large corporation is difficult when executives shift between departments and strategic priorities change on a regular basis. A small number of companies, including SAP, have taken significant steps to align their corporate venture effort with entrepreneurs’ needs while still meeting the corporation’s long-term objectives. While these initiatives sometimes differ they typically include these five, critical steps:

• Create an affiliated but distinctly separate identity. The venture arm’s brand needs to demonstrate its independence and commitment to entrepreneurs while still showcasing the strengths of the affiliation with the parent company.
• Commit to long-term financial support. Annual capital budgets don’t work in venture capital. The venture group needs to provide entrepreneurs with unfettered, ongoing access to additional capital over multiple years.
• Provide the right incentives. The venture organization should retain de facto independence and be composed of professional investors focused on the portfolio companies’ success. A good investment team will also want incentives aligned with the financial return of their investments, not the achievement of larger corporate strategic and financial objectives.
• Adopt a hands-off approach once an investment strategy is final. This is critical for retaining a quality team. Excessive involvement in investment decisions thwarts the overall objective of the corporate venture effort by disempowering the investment team.
• Forge connections between the venture group, its portfolio companies and the parent company.  A significant ongoing investment of events and marketing within the parent company is necessary to ensure that the venture organization continues to have access to the parent company’s capabilities.

The above strategies can be challenging for many large corporations to accept. Senior executives must advocate to their boards a significant long-term capital commitment to an undertaking over which it will have little day-to-day control. Building consensus inevitably requires a trusted corporate executive team and venture investment team to have been in place for many years beforehand. However, the rewards of building a team and the right organizational construct can provide ongoing exposure to the most exciting emerging technologies and markets. Meanwhile, entrepreneurs will recognize this new breed of corporate venture investor for their ability to provide the best of both worlds: a strong, sustainable organization focused on their success with access to unique capabilities that can’t be found anywhere else.

For more on SAP Ven

via sapphireventures.com

Lancement du contrat d’assurance-vie «capital-investissement», au service du financement des entreprises | Le portail des ministères économiques et financiers

Lancement du contrat d’assurance-vie «capital-investissement», au service du financement des entreprises - 05/07/2016

Emmanuel Macron, ministre de l’Économie, de l’Industrie et du Numérique, a annoncé le lancement du premier contrat d’assurance-vie « capital-investissement ». Ce nouveau produit vise à favoriser la mobilisation de l’épargne des Français au service du financement des entreprises.

 

 

 

 

©Bercy photos

 

Auparavant, lorsque le souscripteur d’un contrat d’assurance-vie rachetait son contrat ou décédait, l’assureur disposait de deux mois pour verser la valeur correspondante au contrat à l’assuré ou au(x) bénéficiaire(s), une fois les pièces nécessaires reçues. Cette obligation avait pour conséquence que les assureurs ne pouvaient proposer des contrats dits en unités de compte (UC) investis en titres financiers qu’ils n’étaient pas capables de liquider sur un marché dans ce délai.

Contribuer au financement en fonds propres des entreprises

Depuis la loi pour la croissance, l'activité et l’égalité des chances économiques, l’encadrement de l'assurance-vie a été modifié afin de permettre la création de produits dédiés au capital-investissement. Désormais, les assureurs-vie pourront proposer des unités de compte correspondant à des parts de fonds de capital-investissement.

C’est-à-dire en parts de fonds qui investissement en titres non cotés de PME, ce qui n’existait pas avant la loi croissance. Le paiement au rachat ou au décès sera effectué en titres. Cette mesure permet de faire en sorte que l'assurance-vie, investie aujourd’hui en grande partie en obligations des Etats, contribue davantage au financement en fonds propres des entreprises.

via www.economie.gouv.fr

Le rapport sans concession de Jean Tirole sur le capital-risque en France - Challenges.fr

EXCLUSIF Le CAE va publier une note de l'économiste et l'investisseuse Marie Ekeland qui prône la création d'un "compte entrepreneur-investisseur" et une réforme de la gouvernance de Bpifrance. Challenges s'en est procuré une version.

Jean Tirole ERIC PIERMONT / AFP

via www.challenges.fr

Pourquoi Axa a ouvert un Lab Asie à Shanghai… et n’est pas prêt de le fermer

Actif depuis 10 mois, le Axa Lab Asie a doublement rempli sa mission. Avant-poste de l’assureur dans l’écosystème des start-up, il lui permet de mieux comprendre l’économie numérique de cette partie du monde, qui pourrait même concurrencer la Silicon Valley comme berceau mondial de l’innovation !

Pourquoi Axa a ouvert un Lab Asie à Shanghai… et n’est pas prêt de le fermer © LSA

A lire aussi

Pourquoi Axa investit 75 millions d’euros dans Jumia

Axa aime les start-up et le prouve : 200 millions d'euros pour repérer les meilleures

Antoine Denoix, le CDO d'Axa féru de big data

En  juin 2015, Axa décidait d’aller voir en Asie ce qui s’y passe avec  la création de trois structures dédiées à l’investissement et à l’innovation. D’une part un Data Innovation Lab (DIL) à Singapour, sur le modèle de celui déjà créé en France avec un but de Recherche & Développement d'offre et de services adaptés à l’Asie.  D’autre part, un bureau d’AXA Strategic Ventures,  (fonds remplaçant Axa Seed Factory) à Hong-Kong, après San Francisco, New York, Londres, Paris, Zurich et Berlin. Enfin, un Axa Lab Asie à Shanghai, sur le modèle de la structure déjà créée au début de l'année 2014 dans la Silicon Valley aux

via www.usine-digitale.fr

1H 2016 Venture Capital IPO Review | Seeking Alpha

1H 2016 Venture Capital IPO Review

Jul. 1, 2016 2:09 PM ET

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 |  Includes: ACIA, CRVS, NTLA, SCWX, TWLO

by: Donovan Jones

Donovan Jones

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Summary

Biopharmaceutical companies dominate IPO activity.

78% drop in gross proceeds vs. 2H 2015.

As of 6/30/2016, nine of 17 IPO share prices were higher than IPO.

During the first six months of calendar year 2016, 17 venture capital-backed North American technology companies went public on US stock markets, raising a total of $1.26 billion in gross offering proceeds. This result represented a 78% sequential decrease in gross proceeds when compared to the second half of 2015.

The number of technology companies going public also dropped precipitously, from 29 in the second half of 2015 to 17 in the current period, a reduction of 41%.

IPOs by quarter totaled five in Q1 2016 and 12 in Q2. This was in line with my prediction in a previous article that the second quarter would show an uptick in IPO activity, mostly due to seasonal factors.

Life science companies continue to dominate the IPO market activity. Eight biotechnology and five pharmac

via seekingalpha.com

Capital Gains: Zenefits cut its own valuation to keep the lawyers out of the equation, Airbnb swells to $30 billion - Recode

Todd Bernard / Recode

Once-mighty Zenefits has a new deal with its investors to keep them from suing the pants off Zenefits for the company’s major compliance scandal from earlier this year. More on that, and last week’s other big VC deals, below:

• Airbnb is in the middle of a new funding round that would set the company’s value at $30 billion. Airbnb recently raised $1 billion in debt financing, and last year raised $1.5 billion at a $25.5 billion valuation.
• Zenefits has altered the terms last year’s Series C funding round, giving investors (like Andreessen Horowitz, TPG and Insight Venture Partners) more equity in the company in exchange for no investor lawsuits related to its huge regulatory scandal earlier this year. The deal reduces Zenefits’ valuation from $4.5 billion to $2 billion (BuzzFeed News).
• In May, the Wall Street Journal reported that self-driving car startup Zoox in the middle of raising a round at a billion-dollar valuation. That round has now wrapped up, and it’s $200 million (Business Insider).
• Thrive Market, a digital grocery that wants “to become the online equivalent of Costco for healthy foods,” raised $111 million in a round led by Invus, with participation from Greycroft Partners, E-Ventures, Cross Culture Ventures and others (New York Times).
• Robotics startup Anki landed a $52.5 million funding round led by J.P. Morgan, with additional cas

via www.recode.net

Assurance-vie capital investissement : des unités de compte d’un nouveau genre - Mon Epargne

Aller plus loin que le CrowdFunding ou CrowdLending

Si les particuliers ont réservé le meilleur des accueils aux plateformes de crowdfunding (financement participatif) et de crowdlending (crédit participatif aux entreprises), il faut bien constater que ces dernières ne financent les entreprises retenues pour des montants modestes seulement (inférieur à quelques centaines de milliers d’euros dans le meilleur des cas).

• un coup de pouce du gouvernement

Le gouvernement a souhaité étendre les possibilités de ce mode de financement pour le moins tendance. Ainsi, en matière de prêt participatif, ou crowdlending, les seuils pour les prêteurs sont relevés de 1.000 à 2.000 euros pour les prêts rémunérés et de 4.000 à 5.000 euros pour ceux sans intérêt.

Concernant le financement en capital, le plafond de 1 million d’euros de collecte pour un porteur de projet est relevé à 2,5 millions d’euros sur les plateformes agréées CIP (conseiller en investissement participatif).

Mais les entreprises, en pleine croissance, nécessitent plusieurs millions d’euros. Ce type de financement participatif ne peut alors leur apporter une réponse.

• des fonds levés pour souscrire un crédit bancaire plus conséquent

Généralement, les fonds levés sur les plateformes participatives ne sont pas utilisées directement par les entreprises, mais sont utilisés comme outil de levier pour obtenir un prêt bancaire plus important. En clair, les particuliers pensant remplacer en partie le rôle des banques ne font que le renforcer.

Par ailleurs ces plateformes se servent largement en frais sur les fonds levés (de 5 à 10%), ce qui en fait un outil de financement bien peu avantageux pour les entreprises.

Obtenir un financement de plusieurs millions d\’euros via l\’assurance-vie

La loi pour la croissance, l’activité et l’égalité des chances économiques a modifié l’encadrement de l’assurance-vie afin de permettre la création de produits dédiés au capital-investissement. Désormais, les assureurs-vie pourront proposer des unités de compte correspondant à des parts de fonds de capital-investissement.

[a[Emmanuel Macron]a] lancera donc début juillet ce marché des unités de compte en titre d’entreprise. Des unités de compte pour le moins à risques, une fois de plus.

• des unités de compte en titres d’entreprise

Le paiement au [a[rachat]a] ou au décès sera effectué en titres. Cette mesure permet de contribuer à faire en sorte que l’assurance-vie, investie aujourd’hui en grande partie en [a[obligations]a] des Etats, contribue davantage au financement en fonds propres des entreprises.

via www.mon-epargne.com

#Insurtech value chain = view based on #UI #UE #UX

#InsurTech Investment Triples - Accenture Insurance Blog

While Fintech is relatively pervasive in banking and capital markets, it is still
 nascent in insurance. In 2014, tech companies targeting the insurance space received less than $800 million in funding, but in 2015 insurance tech start-ups attracted more than three times that, receiving approximately $2.6 billion. Most insurers are still tied to a business model based on pooling risk, calculating average pricing and generating gross premium income, which is increasingly threatened by digital technologies, such as wearable devices, smart objects and connected cars. However, these technologies also offer insurers a new, rich data source, providing new possibilities for underwriting, enhancing the customer experience and cutting costs.

Learn more about the changing landscape of investment in Fintech and InsurTech by reading the full report & John Cusano’s series.

via insuranceblog.accenture.com

Viva Technology, 2ème jour ! Une sélection des temps forts, avec AXA

300 conférences, 5000 startups, 100 démos d’innovations et des grands groupes partenaires dont AXA. Découvrez le programme de Viva Technology !

« C’est un événement que vous n’avez jamais vu nulle part avant » s’enthousiasme Maurice Lévy, PDG de Publicis Group, qui organise Viva Technology avec Les Echos. L’objectif est « d’accélérer la mutation numérique des grands groupes et d’aider les startups à grandir ». Même discours et même enthousiasme du côté d’AXA qui est l’un des cinq grands partenaires de Viva Technology.

Pourquoi participer à Viva Technology ? 

Pour répondre à cette question, j’ai eu l’occasion d’échanger avec Amélie Oudéa-Castera, aux commandes de la transformation digitale d’AXA France depuis 2012. Je souhaitais comprendre ce que signifiait la participation à un tel événement pour un groupe leader mondial, qui a déjà des relations fortes avec les startups et de multiples implantations dans le monde pour détecter l’innovation.

Amélie Oudéa-Castera, DG adjointe d’AXA Particuliers/Professionnels – Directrice digital, marque et partenariats

Pour l’anecdote, Amélie Oudéa-Castera a commencé par me surprendre en m’expliquant qu’AXA participait aux grandes conférences telles que F8 de Facebook, ce qui lui permettait par exemple d’être au courant des dernières déclarations sur les chatbots et l’avenir de Facebook Messenger ! Nous avons ensuite abordé le cœur du sujet : pourquoi un tel engagement dans Viva Technology, avec des dizaines de collaborateurs d’AXA impliqués dans l’organisation et un Lab de près de 500 m² sur l’événement ? Pour comprendre il faut s’intéresser aux grands changements auxquels l’assurance et la banque font face. « AXA a bien compris que le monde avait changé » :

• Dans le domaine de l’automobile avec la voiture connectée, qui deviendra autonome dans quelques années.
• Dans le domaine de la maison « chahutée par l’internet des objets ». Demain, nous saurons mieux prévenir les risques d’incendie, de cambriolage, de dégât des eaux… grâce à des dispositifs connectés reliés aux mobiles qui permettront d’être alerté et de prévenir un voisin ou de dépêcher les secours en cas de besoin. A la clé, nous dit Amélie Oudéa-Castera : « une meilleure prévention et un meilleur alignement des intérêts entre assureur et consommateurs ».
• Dans le domaine de l’épargne où de nouveaux outils vont permettre de mieux conseiller les clients.
• Dans l’univers de la santé, « un des plus marquants en termes de changement stratégique pour les compagnies d’assurance car on passe d’une logique de payeur à une logique de partenaire ».

La prévention et le contact avec le client sont capitaux pour l’avenir des assureurs. La présence d’une startup comme UmanLife sur le Lab InsurTech d’AXA à Viva Technology n’est donc pas surprenante. Son fondateur et dirigeant, Alexandre Plé, développe depuis 4 ans une solution de gestion du bien-être et de la santé : une sorte de carnet de santé digital élargi (à tester ! Le service e

via www.presse-citron.net

Revivez notre direct de Vivatech, le salon mondial des start-up, Edition 2016

Du 30 juin au 2 juillet, Paris devient la capitale mondiale des start-up. Un évènement organisé par le groupe Les Echos et Publicis.

Vivatech, jour 1. Du 30 juin au 2 juillet, Paris devient la capitale mondiale des start-up qui vont être 5.000, venues du monde entier, à présenter leurs projets dans les locaux de Paris-Expo à la Porte de Versailles. Un évènement organisé par le groupe Les Echos et Publicis .

Voir aussi :

• Les photos en direct du salon

20h14 C'est la fin de ce direct à Vivatech

Vivatech, c'est déjà terminé. Mais rassurez-vous, nous revenons demain dès 9h00. En attendant, revivez les meilleurs moments de la journée avec ce best-of :

via www.lesechos.fr