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Stripe - the IPO that will change the world of fintech forever

Stripe - the IPO that will change the world of fintech forever

Today's publication will be dedicated to the high-profile IPO in the field of fintech, which was made by Stripe.

She specializes in online payments and is working on services for paying salaries to employees. The issuer also tries to fight fraud.

Stripe is known as a payment platform or API for some corporations. It was also noted in startups and various public companies. The management of the corporation focuses on the cloud architecture so that the company is more reliable and secure.

Thanks to the cooperation with Stripe, companies have the opportunity to control their expenses, prevent any fraudulent manifestations and develop in an international direction using corporate credit cards or loans for small businesses. Such giants as Amazon, Google, Spotify and Microsoft cooperate with the issuer. Every year, Stripe spends tens of billions of US dollars through its payments.

Today it is the most expensive private company in the financial and technological sphere. It was founded by John and Patrick – the Collinson brothers. Their goal was to create a service that would make it easier for small and medium-sized businesses to process payments. They wanted to turn the idea of outdated banking systems around, taking into account the prevention of PayPal errors. Elon Musk, the founder of the latter, was the first to invest in Stripe.

In 2010, the world first heard about the company, but the impetus for this was the sale of the Shuppa company by the Collinson brothers in 2008. The latter produced software. The initial capital of $5 million was enough to start and attract the attention of Silicon Valley investor Peter Thiel and Elon Musk himself, who added another $2 million. The official exit from the beta format and the launch of Stripe took place in 2011.

In 2012, representatives of Sequoia Capital invested $18 million in the company, which allowed it to enter the international market. A couple of years later, the brothers got $80 million, which gave them the opportunity to consolidate Stripe in 12 different countries around the world.

The payment service developed quite quickly and already in 2015 the company had $100 million on its account, and a year later $150 million. By 2017, when Stripe had $245 million in its account, almost all representatives of the financial sector knew it. After the company bought Paystack last year and TaxJar this year, it became more well-known.

Today, Stripe is valued at $80 billion, which is more than Facebook, Uber or even SpaceX before the IPO.

Not so long ago, the Stripe team completed a round of attracting investments, as a result of which it was possible to raise $600 million. For this money, the company will develop in the EU, India, as well as Brazil and Indonesia.

The listing is planned for the end of this year or the beginning of next year.

Read more: Listing of securities on the stock exchange

Sources of the company's income

To a large extent, Stripe generates commission income from the transaction. It is worth noting that the company processes about $100 billion annually. These commissions are distributed between online payments, personal payment terminals, accounts, subscriptions and connections for those customers who need to pay funds to third-party people. The company's money is also brought by Stripe Capital's business loans, as well as the Radar program for identifying fraudulent schemes.

Stripe's Competitors

PayPal and Square are the most important competitors of the company. Recall that the PayPal IPO, which took place in 2002, was estimated at $1.5 billion and until today this figure has grown to $360 billion. Since PayPal is considered a classic payment system, Stripe wins, because the company offers a more innovative set of services.

Square started its mobile payment processing business around the same time as Stripe. However, the latter is heading for online payments. Recall that Square's IPO was implemented in 2015, when the company managed to raise $243 million. Then it was estimated at $2.9 billion. By the end of 2021, the issuer's value should reach $120 billion, according to experts.

Let's see why it's worth investing in Stripe after the IPO.

Read more: IPO of a company - mechanism, examples & strategies

Stripe makes life easier

Before Stripe offered its services to the world, online payments from bank cards created a lot of problems for people. Back then, payment system providers had too complex integrations. The Collisons analyzed this and decided to change the situation.

Now just a few lines of code on the page of your website are enough to start working with online payments. Thus, Stripe managed to simplify the integration process as well as payment processing.

Integration

The company provides the possibility of integration into any online platform, which opens up many new opportunities for users. Stripe is friends with Squarespace, BigCommerce, as well as Memberful and Shopify. A person who does not understand anything about programming will be able to start cooperation with Stripe.

The pleasure and effectiveness of cooperation

It is important for any international company to maintain the level of quality of communication with customers, and the payment service provides customer support. Taking into account the fact that most people hardly understand the process of website development, and even more so payment processing, Stripe supports and thus retains its customers.

It is worth noting that Stripe works in such a way that users of any site do not notice it, while PayPal is visible during any payment process. If the seller cooperates with the latter, then you will be redirected to the PayPal page for payment and only after the successful implementation of the process will you be returned to the store page.

In the case of Stripe, payments are processed as transparently as possible.

Read more: How to participate in an IPO

Staff

Stripe managers managed to create a self-regulating recruitment system. We are talking about Sunday tests for people who want to work in the company. In the process of passing this test, you need to answer questions about whether an existing team member is ready to work with the candidate on the weekend. If not, the search continues.

This allows the team to be more cohesive and work more efficiently.

Experts say that after the IPO, Stripe will be able to take a serious place in the fintech sector and delight shareholders with success.


 

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Sri Lanka was left without fuel
Sri Lanka was left without fuel Sri Lanka (an island nation in southern Asia) has literally run out of gasoline and diesel fuel. India will provide assistance. Fuel from neighbors will arrive in the country in mid-July.India has been helping Sri Lanka for 3 months. During this time, 400,000 tons of fuel were shipped. For comparison, in the USA, more than 17 million tons are spent per day. So stocks in Sri Lanka go only for the most necessary.At gas stations, gasoline is issued by coupons, if at all. Electricity is periodically cut off. The workers were transferred to a 4-day week. The authorities recommend spending free time in vegetable gardens. But the food, apparently, will have to be eaten raw (or fried on a fire) — gas is also in short supply.How did the fuel crisis happen in Sri Lanka in 2022?The country is going through the worst crisis since 1948. Sri Lanka faced a default (not like in Russia, but with the present). Payments have been stopped on all bonds and bilateral loans.It all started with a pandemic. Due to the coronavirus, the country was left without tourists (more than 10% of GDP). The inflow of foreign currency has decreased. Ceylon tea has not grown due to the ban on the import of chemical fertilizers. Another source of foreign currency has disappeared.Sri Lanka's external debt has exceeded $50 billion. Inflation has exceeded 50%. Fuel debt to other countries is more than $700 million. The crisis is accompanied by hunger. The main food product - rice has risen in price by 93%, lentils - by 117%. Other countries supply humanitarian aid with food, but this does not relieve tension: protests against the government have been going on in the country for several months, there are victims and dead on both sides.
Jul 05, 2022
IndexaCo
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Bank scandal: Swiss Credit Suisse made money on cocaine
Bank scandal: Swiss Credit Suisse made money on cocaine The "pearl in the crown of Switzerland" and one of the richest banks in the country, Credit Suisse, is again at the center of a scandal: the company was fined 2 million francs for legalizing the proceeds from international cocaine trafficking.As it turned out, the capital of the Bulgarian mafia was stored in Credit Suisse. From 2004 to 2008, the bank conducted transactions for 146 million francs, with a third brought in cash in suitcases.The money belonged to Bulgarian drug dealers led by Evelyn "Brando" Banev, a former athlete and developer. All operations were carried out by the Customer relations manager Elena Pampulova-Bergomi.Brendo has been accused of drug trafficking, organizing murders and money laundering since 2007. He faces 20 years in prison in Italy and 6 in Bulgaria.He has been successfully hiding for the last seven years. It turned out that the cocaine king had been living in Eastern Europe all this time using forged documents. But in the autumn of 2021, he was detained near Kiev and extradited to his homeland.Was Credit Suisse aware of the mafia's affairs?The bank knew about Banev's crimes, but continued to cooperate with him, Pampulova-Bergomi believes. The girl herself quit the company in 2010.At the same time, representatives of Credit Suisse assure that the businessman earned money on construction, and do not admit guilt. But this did not convince law enforcement: a Swiss court sentenced Pampulova-Bergomi to 20 months in prison and a fine. And Credit Suisse will take away 12 million francs received from the bandits, and 19 million francs of compensation.It's not the first time the bank has been caughtCredit Suisse often gets into the criminal chronicle. What else did Switzerland's second largest bank do?He bought gold in Nazi Germany during World War II, and after the war he did not give money from the accounts of the deceased to the legitimate heirs. As a result, he paid $1.25 billion to the Holocaust Victims Fund to hush up the scandal.For decades, he helped residents of the United States, Brazil and Germany to evade taxes. Several bank employees were jailed, and the company paid a $2.6 billion fine.He issued loans to state-owned companies in Mozambique for "kickbacks" to bankers and local officials. As a result, a fine of $475 million had to be paid for bribery and fraud.He laundered money of politicians and oligarchs from Belarus, Ukraine, Spain, Jordan, Russia and other countries. The full list was compiled in 2022 after a major leak of documents.However, the verdict on mafia money laundering is a turning point for Switzerland, says Mark Pit, an expert at the University of Basel. After all, Credit Suisse is not just a company, but the second largest bank in the country, which manages assets worth $ 1.6 trillion.Perhaps the Swiss authorities will strengthen control over banks to avoid such scandals. But it is possible that Credit Suisse will get off with a fine again.
Jun 29, 2022
IndexaCo
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