... main areas of fintech include payment systems, lending, investment platforms, insurance technologies (insurtech) and financial risk prevention systems. Fintech is important for the economy, as it makes financial services more accessible and convenient for ... ... make transfers, pay for services and make purchases. Investment platforms and digital brokers are solutions that allow users to manage investments and track their profitability. Online lending and crowdlending are alternative lending platforms that allow ...

... decision on whether to buy or abstain from participation. It is unwise to base decisions solely on the promotion surrounding the SPO or on emotional reactions ("everyone is participating"). Strict adherence to one's investment criteria and risk management will make participation in a secondary offering justified. Recommendations for Investors Before participating in an SPO, investors may find it useful to follow a set of rules and general recommendations: Review the official prospectus and any ...

... governance, and fundamental business resilience. For both retail and institutional investors, understanding how prepared an issuer is for an IPO will be crucial: how transparent the business is, the growth rate of sales, and what steps have been taken to manage regulatory risks. Only through a systematic analysis of these aspects can the IPO exit strategy yield long-term returns in the growing but demanding pharmaceutical and nutraceutical sector.

... alternative store of value. Nonetheless, in a severe market-wide “risk-off” event, Bitcoin would likely see selling pressure along with other speculative assets. Both institutional and retail investors will need to balance optimism with prudent risk management, acknowledging that even as Bitcoin enters the mainstream, it is not immune to broader market forces. Long-Term Outlook The entrance of Wall Street’s biggest banks into Bitcoin ETFs may herald a new chapter for Bitcoin as a mainstream investment....

... portfolio risk. Conclusions and Recommendations For institutional investors: Continue to focus on fundamental assets while considering the growing momentum of altcoins. Investing in major DeFi and AI projects may enhance portfolio diversification. Careful risk management is essential: set stop orders and reinvest part of the profits. For retail investors: Exercise caution and avoid chasing extreme growths. Consider dollar-cost averaging (DCA) strategies and partial hedging of positions. Diversifying the cryptocurrency ...