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Insights

Juniper-Insight-colour.pngPublished every fortnight, ‘Juniper Research Insights’ provide impact analysis on breaking and disruptive industry news. This includes notable product launches, industry event takeaways, unpredicted company results or specific services disrupting traditional digital ecosystems. 


Insights is complimentary to all clients with a current research subscription. Clients can access all Insights documents once signed into their Juniper Research account. 

Fintech Insights - BNPL Products Facing Tighter Regulation in the UK

Fintech Insights - BNPL Products Facing Tighter Regulation in the UK

February 2021
(BNPL) Buy Now Pay Later is a payment model that allows consumers to defer payment for online purchases, either paying the whole balance at a later date, or splitting the cost into equal instalments. The Financial Conduct Authority (FCA), who regulate financial services firms and financial markets in the UK, recently published the findings of a review into the unsecured credit market. The report found that the use of BNPL products nearly quadrupled in 2020 and is now at £2.7 billion ($3.7 billion), with 5 million people using these products since the beginning of the Coronavirus pandemic. The report also found that more than one in 10 customers of ‘a major bank’ using BNPL were already in arrears.
 
Telco Insights - Youfone to Launch Fixed and Mobile Services in Belgium

Telco Insights - Youfone to Launch Fixed and Mobile Services in Belgium

January 2021
Following the agreement of a wholesale deal with Proximus, a Belgian telecommunications operator, Youfone will launch fixed and mobile services in Belgium during April 2021.

Youfone is a telecommunications operator based in the Netherlands, whose product portfolio includes SIM-only mobile services, fixed broadband, and TV subscriptions. The company also offers triple-play services; providing combined TV, Internet, and fixed calling packages for its customers.
 
Tech Insights - LG Considering Sale of Smartphone Business

Tech Insights - LG Considering Sale of Smartphone Business

January 2021
A now deleted report from The Elec suggested that LG had notified its employees that it was considering winding down its smartphone business. Following initial denials from LG, further reports indicated that it was an option, with Vingroup later emerging as a potential buyer for the beleaguered smartphone maker.
 
Fintech Insights - Mastercard Increases Interchange Rate for UK Purchases from EU Post-Brexit

Fintech Insights - Mastercard Increases Interchange Rate for UK Purchases from EU Post-Brexit

January 2021
This week, it emerged that Mastercard will be raising interchange fees for payments from UK consumers to EEA (European Economic Area) merchants, from 0.3% to 1.5% for credit card transactions and from 0.2% to 1.15% for debit card transactions.

In a reply to an article covering the change, Mastercard claimed that “as a result of the UK leaving the European Economic Area, Mastercard will adapt interchange rates on UK cards to the commitments it gave the European Commission in 2019 for non-EEA card transactions. In practice, only EEA merchants making e-commerce sales to UK cardholders will see a change.
Tech Insights - WhatsApp Announces Changes to Privacy Policy; Boosts Growth of Alternative Messaging

Tech Insights - WhatsApp Announces Changes to Privacy Policy; Boosts Growth of Alternative Messaging

January 2021
WhatsApp has announced that as of 8th February 2021, their privacy policies will change and that users must accept these updated terms if they wish to continue using the app. Of the changes that WhatsApp made of its privacy policy was the removal of a passage describing how users could opt out of sharing their data with Facebook, who acquired WhatsApp in 2014. This passage was replaced with a statement reserving the right of WhatsApp to share user data with Facebook, saying: ‘WhatsApp receives information from, and shares information with, the other Facebook Companies. We may use the information we receive from them, and they may use the information we share with them, to help operate, provide, improve, understand, customize, support, and market our services and their offerings.’
 
Telco Insights - Deutsche Telekom in Talks to Sell its T-Mobile Netherlands Unit

Telco Insights - Deutsche Telekom in Talks to Sell its T-Mobile Netherlands Unit

January 2021
This week, reports emerged that Tier 1 European MNO (Mobile Network Operator) Deutsche Telekom was looking to sell its Dutch subsidiary T-Mobile Netherlands. Citing sources close to the matter, Dutch financial newspaper Financieele Dagblag claimed that Deutsche Telekom is looking to sell the unit to private equity investors in a deal worth between $4.9 billion and $6.1 billion.
 
Fintech Insights - SaaS Banking Platform Mambu Raises An Additional $134 Million (€110 Million)

Fintech Insights - SaaS Banking Platform Mambu Raises An Additional $134 Million (€110 Million)

January 2021

The funding round was led by TCV, with participation from Tiger Global and Arena Holdings, as well as existing investors Bessemer Venture Partners, Runa Capital and Acton Capital Partners. The new funding brings the company’s valuation to $2.07 billion (€1.7 billion) and it plans to use the new capital to double its workforce and extend its operations into new markets such as Brazil, Japan and the US.

Telco Insights - Proximus Agrees €130 million Deal to Acquire MVNO

Telco Insights - Proximus Agrees €130 million Deal to Acquire MVNO

December 2020
Proximus has announced it will acquire Mobile Vikings, an MVNO based in Belgium. The acquisition is expected to be completed next year, however, is subject to regulatory approval. As part of the acquisition, Proximus will gain over 330,000 mobile subscribers in the country. Proximus will not only gain Mobile Vikings as part of the acquisition but Mobile Vikings’ sister MVNO, JIM Mobile, having been previously grouped after DGP Media acquired both in 2015.
 
Tech Insights - Apple Discloses that Work on its own Modem Chips has Begun

Tech Insights - Apple Discloses that Work on its own Modem Chips has Begun

December 2020
At a recent Town Hall meeting reported by Bloomberg, Apple’s SVP of Hardware Technologies, Johny Srouji, disclosed that Apple has begun work on its own cellular modems, with the aim of ultimately decreasing its reliance on Qualcomm for its smartphones. The move follows the acquisition of Intel’s 5G modem business in July 2019.
 
Fintech Insights - Tink Raises $103 Million, Showing Progress in Open Banking

Fintech Insights - Tink Raises $103 Million, Showing Progress in Open Banking

December 2020
Last week, European Open Banking specialist Tink announced that it had raised an additional €85 million ($103 million) to fuel its expansion in Europe. This additional funding brings Tink’s total funding raised in 2020 to €175 million ($212 million). Its overall funding since its founding in 2012 is over $308 million, a testament to the value of its solutions.
 
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