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Mobile Payments, Fintech, and Big Data, Could Be the Most Innovative and Disruptive Sectors for 2021

FingerMotion Inc United States (FNGR) Could be Perfectly Positioned to Disrupt All Three

News Release:

Finger Motion Reports Q3 2021 Financial Results

“The Q3 revenues increased 81% compared to the same period last year and revenues for the nine month period ended November 30, 2020 increased 98% compared to the same period last year”

Admittedly, I’m a tech geek. I always want to find ways to be in the know about the latest tech trends and innovations.

In my time at Harvard, I learned several things about where tech is and where it could be going.

First and foremost, mobile payments could be the wave of the future. The mobile payments industry is forecast to increase to approximately $12.06 trillion by 2027, with a CAGR of around 31.2%(1). Coupled with about 5.2 billion mobile users worldwide that could grow to approximately 7.3 billion by year-end 2023, this number could be conservative(12).

Additionally, with the world becoming digitized and cashless, FinTech is appearing to take center stage. Big banks and financial firms appear to have increased their investments into FinTech solutions. With increased customer expectations, FinTech companies also seem to be delivering even more low-cost and personalized products. It is no wonder why globally, FinTech is expected to grow at a CAGR of around 20% between 2020-2025 and reach a market value of approximately $305 billion(13).

Big data and A.I. could also further shift our world in 2021. Big Data & Business Analytics could see a CAGR of around 15.07% by the end of 2025 (14), and A.I. could see a CAGR of approximately 33.1% by 2026(15).

There appears to be an undervalued company heavily involved in all three sectors in a leading region globally in adopting and utilizing these sectors: FingerMotion Inc (OTC:FNGR).

10 Reasons Why FingerMotion Inc (FNGRCould Ride the Wave of Tech Disruption

  1. The mobile payments industry is forecasted to grow to approximately $12.06 trillion by 2027, with a CAGR of around 31.2% (1).
  2. China appears to be a world leader in FinTech adoption and mobile payments. China scored about 87% in Ernst and Young’s 2019 fintech adoption index compared to the global average of around 64%(2). China also claims to be one of the world’s first countries to build a cashless society through digital wallets and Q.R. codes.
  3. Around half of China’s population participates in mobile transactions. As of June 2020, approximately more than 765 million Chinese completed at least one mobile transaction annually(16), with about 802 million mobile payment users in the entire country (16). Approximately 37.1% of these users also make a mobile payment daily(16).
  4. Compared to the rest of the world, China seems to be a leader in cumulated transaction value through all digital payments(5).
  5. China appears to be the only major economy to report economic growth for 2020 as its GDP increased about 6.5% from a year earlier in Q4(17). A remarkable comeback from China’s unprecedented GDP contraction in Q1 2020.
  6. FingerMotion seems to have partnered with Alibaba, JD.com, and Pinduoduo already.
  7. FingerMotion appears to have partnered with government-backed telecom companies such as China Unicom’s subsidiary Yunnan and China Mobile. Since China’s government seems to be directly involved in business development and claims to be very strict with whom they do business, FingerMotion could be doing something right.
  8. FingerMotion appears to have access to wholesale rechargeable minutes from China’s largest mobile phone providers. This industry generates nearly $25 billion/month(8).
  9. In its Q3 2020 earnings report, the company saw revenue of around $4.88 or an approximate 81% increase from the previous quarter, and an approximate 98% nine-month revenue increase of about $11.25 million(10).
  10. FingerMotion appears to have strong technical indicators and strong returns. Since the stock bottomed on March 20th at approximately $0.28 a share, it is now trading at around $11.11- a return of about 3,868%(9).

FingerMotion Appears to Have Technical Indicators and Strong Returns

There appears to be several short-, medium-, and long-term bullish technical indicators for Fingermotion such as its 20 Day Moving Average, 20-50 Day MACD Oscillator, 20-100 Day MACD Oscillator, 20-200 Day MACD Oscillator, 50-100 Day MACD Oscillator, 50-150 Day MACD Oscillator, 50-200 Day MACD Oscillator, 100 Day Moving Average, 150 Day Moving Average, 200 Day Moving Average, and 100-200 Day MACD Oscillator(18).

Furthermore, the stock appears to have had strong returns ever since the stock bottomed on March 20th at approximately $0.28 a share. It now appears to be trading at around $11.11- a return of about 3,868%(9).

FingerMotion Appears to Be Fundamentally Strong Too

FingerMotion claims to have strong fundamentals judging by its Q3 2020 earnings report. The company reported revenue of around $4.88, an approximate 81% increase from the previous quarter, and an approximate 98% nine-month revenue increase to approximately $11.25 million(10).

FingerMotion also reported Q3 gross profit of around $0.62 million, which appears to be an increase of approximately $0.18 million or approximately 42% compared to the previous quarter, and nine months gross profit of around $1.17 million, which appears an increase of about $0.45 million or  approximately 62% from the last period(10).

FingerMotion’s Altman Z-Score also shows a score of approximately 23.7 (19). This score appears to be healthy and indicates strong fundamentals and low bankruptcy risk. A Z-Score below 1.8 means the company is under financial stress and at risk of bankruptcy, while an ideal Z-Score is above 3. With a Z-Score of around 23.7, this small Chinese upstart has a nearly 8x score than the ideal score.

Who is FingerMotion (FNGR)? 

FingerMotion is an evolving and multifaceted technology company with a core competency in mobile payment and recharge platform solutions in China. The company’s vision is to grow its user base through organic means and eventually develop into a highly engaged user ecosystem utilizing innovative applications. FingerMotion eventually hopes to serve over 1 billion users in the China market and ultimately expand the model to other regional markets. It is also one of only a few companies in China with access to wholesale rechargeable minutes from China’s largest mobile phone providers. FingerMotion has recently also gotten involved with Big Data and A.I. by launching its brand new, cutting edge insurance arm Sapientus in July.

Well Positioned in a World-leading Hub of FinTech Adoption and Mobile Payments

While America spent the past decade upgrading its bank-based magnetic striped cards with chips, China built a revolutionary payment system that the western world still lags.  China claims they were able to leapfrog the card-based system and has become a leader in FinTech adoption and mobile payments.

As of June 2020, more than approximately 765 million Chinese completed at least one mobile transaction annually, with around 802 million mobile payment users in the entire country(5). To put that in perspective, that’s about over half of the country’s total population. Additionally, approximately 37.1% of these users also make a mobile payment daily. To illustrate how rapid this growth is, only around 125.48 million Chinese were mobile payment users in 2013(5).

Additionally, in 2019, over approximately 347 trillion yuan were transacted via mobile payment channels compared to about 9.6 trillion yuan in 2013.

Interestingly, China also scored about 87% in Ernst and Young’s 2019 fintech adoption index-much higher than the global average of around 64%(2).

Plus, compared to the rest of the world, China is a leader in cumulated transaction value through all digital payments. Approximately more than half of the world’s digital payments are made in China(3).

FingerMotion Inc (OTC:FNGR), through its focus on mobile services and data analysis, could be perfectly positioned to exploit and disrupt this market.

The company is believed to have key strategic partnerships with industry heavyweights, such as Alibaba, JD.com, and Pinduoduo. As of June 2020, Alibaba and JD.com were the number 2 and 3 e-commerce websites globally in terms of revenue(6).

Not only has FingerMotion seemingly partnered with three of the largest e-commerce platforms in China with its mobile payment solutions, but it also appears to be immersing itself in one of the most active e-commerce communities in the world.

As of 2019, China was the leading e-commerce market globally, with around $863 billion in revenue. The Chinese e-commerce market alone contributed to the worldwide growth rate of approximately 16% in 2019. But what puts this in perspective is the growth of China’s e-commerce penetration rate. Since mid-2019 only, the penetration rate grew by approximately over 5%. But look at how China’s e-commerce penetration rate has grown since 2009(7).

FingerMotion Has Partnered With Large Telecom Companies As Well

FingerMotion also entered into a Portal Sales and Cooperation Agreement with leading Chinese mobile carrier Unicom’s subsidiary Yunnan. FingerMotion’s subsidiary JiuGe Information Technology is now licensed to operate and manage Yunnan’s online flagship stores on Alibaba, JD.com, Pinduoduo.

Additionally, JiuGe appears to have been awarded Portal Sales Cooperation Agreements covering two additional China Mobile online portals servicing the Chifeng and Henan Provinces in China. In these agreements, JiuGe could build and manage China Mobile’s leading online stores on AliBaba’s Tmall.com portal.

FingerMotion Is Also Involved in the Rechargeables Market

Currently, FingerMotion is one of only five companies in China with access to wholesale rechargeable minutes from China’s largest mobile phone providers (11). FingerMotion appears to also be one of the few companies that can resell this service to consumers.

Although this is another under the radar solution that FingerMotion provides, it could be even more in demand than its mobile payment solutions. Almost all Chinese smartphones are required to be precharged with minutes or data. The rechargeables industry is known as the “top-up” business in China and is estimated to generate nearly $25 billion/month in revenue(8).

FingerMotion Has Now Gotten Involved In Big Data and A.I.- And Applied It To Insurance

FingerMotion launched its Big Data Insurance arm Sapientus in July to deliver next-generation data-driven insurance solutions that could result in more accurate risk assessments, more efficient processes, and a more enjoyable customer experience.

“Our Sapientus platform enables us to transform and integrate the continuous stream of data from our strategic telecommunications partners, allowing our insurance industry partners to identify and select ‘preferred risk’ customers and offering real-time transactional proposals,” stated CEO Martin Shen.

“With the launch of Sapientus, we anticipate commercializing and monetizing our Big Data Insights & Analytics platforms beginning in the first quarter of 2021, starting with our insurance industry partners.”

FingerMotion believes that some of its top competitive advantages could include:

  • Providing behavioral insights along with a set of auxiliary data, which may allow for a deeper understanding of a consumer’s risk and behavior propensity.
  • Providing real-time feedback on risk and behavioral insights, which could help promote digital transformations in the industry.
  • Providing insight-driven analytic services, which might incorporate new information such as emerging claim and marketing data.

Through its usage of A.I., unique data access, advanced analytic techniques, and extensive industry experience, Sapientus could potentially find a comprehensive solution to insurance fraud.

So how does the actual tech behind the product work? Sapientus’ proprietary analytic framework has a building block-like structure in order to be flexible and adaptable. This allows the platform to dynamically expand, reconfigure and reassemble its data elements and analytics as the platform evolves, and continuously form new connections.

Sapientus’ underlying dataset is live and growing, and is continuously diversifying and incorporating updated information. With its proprietary integrative technology, this platform plans to accommodate customized requirements and generate unique consumer insights.

Additionally, its machine learning can possibly enable depiction of individual characteristics and behaviors with potential for further innovation.

Sapientus’ simplified underwriting platform also has continuous access to a stream of live telco data that can potentially make purchasing insurance faster and easier. Additionally, Sapientus has built-in risk segmentation and predictive modelling criteria that plans to quickly provide clients with fraud risk scores for insurance claimants. Think of it as the next generation of FICO for insurance.

Lastly, Sapientus’ technology provides customized product development and precision marketing for the next generation.

To Sum It Up….

FingerMotion, from their business model, to financials, to growth, and technical indicators could make this an interesting company to monitor.  Its solutions and services could also be adopted by far more e-commerce platforms and payment systems. As the world becomes increasingly digitized and mobile, the company could possibly even expand beyond China into other emerging markets.

10 Reasons Why FingerMotion Inc (FNGR) Could Ride the Wave of Tech Disruption

  1. The mobile payments industry is forecasted to grow to approximately $12.06 trillion by 2027, with a CAGR of around 31.2% (1).
  2. China appears to be a world leader in FinTech adoption and mobile payments. China scored about 87% in Ernst and Young’s 2019 fintech adoption index compared to the global average of around 64%(2). China also claims to be one of the world’s first countries to build a cashless society through digital wallets and Q.R. codes.
  3. Around half of China’s population participates in mobile transactions. As of June 2020, approximately more than 765 million Chinese completed at least one mobile transaction annually(16), with about 802 million mobile payment users in the entire country (16). Approximately 37.1% of these users also make a mobile payment daily(16).
  4. Compared to the rest of the world, China seems to be a leader in cumulated transaction value through all digital payments(5).
  5. China appears to be the only major economy to report economic growth for 2020 as its GDP increased about 6.5% from a year earlier in Q4(17). A remarkable comeback from China’s unprecedented GDP contraction in Q1 2020.
  6. FingerMotion seems to have partnered with Alibaba, JD.com, and Pinduoduo already.
  7. FingerMotion appears to have partnered with government-backed telecom companies such as China Unicom’s subsidiary Yunnan and China Mobile. Since China’s government seems to be directly involved in business development and claims to be very strict with whom they do business, FingerMotion could be doing something right.
  8. FingerMotion appears to have access to wholesale rechargeable minutes from China’s largest mobile phone providers. This industry generates nearly $25 billion/month(8).
  9. In its Q3 2020 earnings report, the company saw revenue of around $4.88 or an approximate 81% increase from the previous quarter, and an approximate 98% nine-month revenue increase of about $11.25 million(10).
  10. FingerMotion appears to have strong technical indicators and strong returns. Since the stock bottomed on March 20th at approximately $0.28 a share, it is now trading at around $11.11- a return of about 3,868%(9).

[1] https://www.globenewswire.com/news-release/2020/11/05/2121173/0/en/Global-Mobile-Payment-Market-Size-to-Grow-12-06-Trillion-by-2027-at-30-1-CAGR.html

[2]https://news.cgtn.com/news/2020-06-23/Fintech-reshapes-China-s-financial-industry-RyYX5nfk7C/index.html

[3] https://www.mordorintelligence.com/industry-reports/china-fintech-market#:~:text=Almost%20half%20the%20world’s%20digital,(owned%20by%20Tencent%20Holdings).

[4] https://assets.kpmg/content/dam/kpmg/ke/pdf/thought-leaderships/Forging-with%20bleeds.pdf

[5] https://www-statista-com.ezp-prod1.hul.harvard.edu/topics/1211/digital-payments-in-china/#dossierSummary__chapter3

[6] https://www.bizvibe.com/blog/largest-ecommerce-companies/

[7] https://www-statista-com.ezp-prod1.hul.harvard.edu/statistics/302071/china-penetration-rate-of-online-shopping/

[8] https://born2invest.com/articles/chinese-stock-immune-trade-war/

[9] https://stockcharts.com/freecharts/perf.php?FNGR

[10] https://finance.yahoo.com/news/finger-motion-reports-q3-2021-120000085.html

(11) https://money.yahoo.com/fingermotion-releases-strategic-message-ceo-130000272.html

(12) https://www.radicati.com/wp/wp-content/uploads/2018/12/Mobile-Statistics-Report-2019-2023-Executive-Summary.pdf

(13) https://www.crowdfundinsider.com/2020/06/162997-global-fintech-market-is-projected-to-reach-300-billion-market-cap-by-2025-due-to-large-investments-in-new-tech-and-infrastructure-report/#:~:text=The%20global%20Fintech%20market%20is,a%20new%20report%20from%20ResearchAndMarkets.

(14) https://www.globenewswire.com/news-release/2020/04/24/2021865/0/en/The-Global-Big-Data-Business-Analytics-Market-is-expected-to-grow-from-USD-192-24-Billion-in-2019-to-USD-446-42-Billion-by-the-end-of-2025-at-a-Compound-Annual-Growth-Rate-CAGR-of-.html

(15) https://www.globenewswire.com/news-release/2020/06/16/2048487/0/en/Artificial-Intelligence-AI-Market-to-Rise-at-33-1-CAGR-by-2026-Natural-Language-Processing-Segment-to-Earn-Dominance-Owing-to-its-Semantic-Disambiguation-Features-says-Fortune-Busi.html

(16) https://www.statista.com/statistics/278487/number-of-mobile-payment-users-in-china/

(17) https://www.wsj.com/articles/china-is-the-only-major-economy-to-report-economic-growth-for-2020-11610936187

(18) https://www.barchart.com/stocks/quotes/FNGR/opinion

(19) https://finbox.com/OTCPK:FNGR/explorer/altman_z_score

 

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FingerMotion Inc

FingerMotion, Inc. is an innovative technology company with new and exciting ventures that pushes the company into the forefront of the mobile data management landscape. A sophisticated mobile data service and recharge platform will lead to future advancements in data acquisition and analysis, providing robust analytics to a wide spectrum of clients and customers.