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Prosper Revolutionises Wealth Management with Crowdfunding Campaign, Paving the Way for Customer-Centric Finance

Wealth-tech Pioneer Prosper Partners with Crowdcube, Offering Public a Stake Alongside Fintech Titans in Disrupting Traditional Wealth Models

In a bold move to reshape the landscape of the wealth industry, Prosper, a trailblazing wealth-tech firm, has announced early access to its crowdfunding campaign, inviting the public to join a movement aimed at putting financial control back into the hands of customers.

Nick Perrett
Nick Perrett

Partnering with Crowdcube, Prosper’s latest crowdfunding round is not just an investment opportunity but a chance for individuals to stand alongside some of the most prominent founders, investors, and operators in fintech. The roster of Prosper’s current shareholders includes notable figures such as Tom Blomfield, Monzo’s founder; Matt Cooper, co-founder of Capital One; and Phil Bungey, former COO of robo-advisor Nutmeg, alongside founders of renowned fintech firms like WorldFirst, Embark, Azimo, Tandem Bank, and others.

Since opening its doors to founding members a few months ago, Prosper has experienced rapid growth, introducing Self-Invested Personal Pension (SIPP), Individual Savings Account (ISA), and general investment accounts. The ongoing funding round offers customers an opportunity to be part of Prosper’s vision, disrupting the traditional wealth industry and becoming the first wealth brand built on trust and love.

Prosper’s Three-Pronged Customer-Centric Approach:

  1. Highest Cash Interest Rates: Prosper is set to provide some of the highest cash interest rates in the market, ensuring transparency for users regarding potential earnings. The platform commits to keeping members informed of rate changes, ensuring they do not miss out on better deals, regardless of the underlying bank.
  2. Zero-Cost Index Funds: Already live with zero-cost index funds from major asset managers such as Vanguard, Blackrock, and Fidelity, Prosper aims to eliminate charges for certain assets, maximizing returns for its members.
  3. Access to Private Market Investments: Prosper plans to provide access to private market investments initially for sophisticated, high-net-worth individuals, emphasizing their potential to outperform public market alternatives and form a crucial part of future-century portfolios.

Nick Perrett, CEO of Prosper, stated, “It’s time that the people who help you with your money are motivated to keep more in your pocket, not theirs.” Perrett highlighted the longstanding issues of high, hidden fees and outdated technology in the industry, emphasizing Prosper’s commitment to disrupting the wealth management sector and returning benefits to its members.

Prosper encourages supporters to invest in the crowdfunding campaign, with investment options ranging from £118 to £500,000. The low threshold aims to ensure broad community participation, allowing as many Prosper customers as possible to be part of the movement to disrupt wealth for the next generation.

Individuals interested in joining Prosper’s revolutionary initiative can sign up for early access here.

Cautionary Note:
Prosper issues a crowdfunding risk warning, advising potential investors to be prepared for the high-risk nature of this investment and acknowledging the unlikely protection in case of unforeseen challenges. Interested parties are urged to take two minutes to learn more.

Fujita Kanko Group Makes European Debut with London Office

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Tokyo-based Fujita Kanko Group, one of Japan’s leading hospitality firms, has set its sights on Europe with the opening of its first European Representative desk in London. The move signals a strategic shift towards the international market, beginning with Europe.

The renowned Fujita Kanko Group, celebrated for its diverse portfolio in the travel industry, has officially opened its European Representative desk in the vibrant city of London. Historically catering primarily to the domestic Japanese market, the group has embarked on a new chapter of full-scale public relations activities in Europe through an exclusive partnership with Hankyu Travel UK.

Key Points:

  • Strategic European Presence: Fujita Kanko Group’s decision to establish a European Representative desk in London underscores its strategic vision to expand beyond the Japanese market. The move aligns with the group’s commitment to reaching a global audience.
  • Strategic Partnership with Hankyu Travel UK: The collaboration with Hankyu Travel UK positions Fujita Kanko Group strategically to tap into the UK market, recognized as Europe’s largest market for inbound travel to Japan. The partnership aims to introduce European travel agencies and stakeholders to the diverse range of Fujita Kanko products and facilities.
  • Direct Booking Accessibility: In addition to PR initiatives, the newly opened desk offers European travel partners the convenience of booking group facilities directly from the UK, streamlining the reservation process and enhancing accessibility for European clientele.

Fujita Kanko Group, renowned for its exceptional properties such as Hotel Chinzanso Tokyo, Hotel Gracery Shinjuku, and Hakone Kowakien Ten-yu and Hakone Kowakien Mikawaya Ryokan, is poised to make a lasting impression on the European travel landscape. The move comes as the group continues to position itself as a global player, offering unique and luxurious experiences to a broader international audience.

MEL Science Unveils Exceptional Black Friday & Cyber Monday Offers on Science Kits

MEL Science, a leader in innovative kids’ educational science kits, has announced an exciting Black Friday & Cyber Monday promotion. This limited-time deal allows new subscribers to avail themselves of a 50% discount on their first science box subscription, providing an affordable gateway to a world of scientific learning for children.

Key Feature of the Black Friday Offer: A special 50% discount for first-time subscribers to MEL Science, perfect for a holiday gift that educates and entertains.

Visit MEL Science for more Black Friday & Cyber Monday science toy deals

MEL Science’s kits are meticulously designed with engaging experiments that captivate and educate children, promoting a solid understanding of scientific principles. The kits serve a wide range of ages, making them suitable for young explorers as well as more advanced young scientists.

Prioritising safety, MEL Science kits come with child-safe materials and clear, easy-to-follow instructions. This makes them ideal for children who are passionate about science or those who are being homeschooled and need an interactive science curriculum.

Dedicated to making learning an exciting journey, MEL Science’s Black Friday & Cyber Monday offer is a fantastic opportunity for families to start a fun and educational adventure.

To take advantage of this offer, please visit MEL Science and enter the promo code HOLIDAY50 at checkout.

Innovative Cash Payment Solution by Kasssh and Roof Giant Transforms Online Roofing Purchases

In a pioneering move, Kasssh’s online cash payment solution has partnered with Roof Giant, a top online roofing retailer, to offer a unique cash payment option for the trade sector. This collaboration is a game-changer in the industry, providing roofing professionals and DIY buffs with an innovative way to shop for necessary supplies online.

Integrating Traditional and Digital Payment Methods

Kasssh and Roof Giant are redefining the trade industry’s transaction landscape by rolling out a novel cash payment solution for online roofing purchases. This hybrid approach allows customers the flexibility of shopping online while paying in cash, merging digital convenience with the reliability of traditional cash transactions.

Hallmarks of the Kasssh and Roof Giant Partnership:

  1. Unprecedented Accessibility:

Through this partnership, Roof Giant embraces Kasssh’s cash payment technology, making high-quality roofing materials accessible to a broader customer base, irrespective of their payment method preference.

  1. Enhanced Security and Privacy:

Kasssh and Roof Giant place a premium on customer security, offering a discreet and secure cash payment alternative. This method allows customers to confidently make cash transactions without exposing sensitive personal or financial information.

  1. Extensive Payment Network:

Kasssh boasts an expansive network of over 28,000 payment locations, offering greater convenience than all UK bank branches and Post Offices combined. Roof Giant customers can now pay for their roofing supplies at convenient locations like supermarkets, newsagents, and petrol stations.

A Milestone for the Roofing and Trade Industry

Paul Allsop of Roof Giant expressed his enthusiasm: “At Roof Giant, we are dedicated to delivering exceptional service to our customers. Teaming up with Kasssh allows us to offer a unique and convenient payment solution, setting new standards in the trade industry. This partnership demonstrates our commitment to enhancing the customer experience and embracing innovative solutions.”

Piero Macari, founder of Kasssh, elaborated: “Our collaboration with Roofgiant.com represents our commitment to enabling access to the digital economy for all. By introducing the first-ever cash payment option for the trade and online roofing solutions in the UK, we are not just simplifying transactions; we are transforming the way professionals and enthusiasts access essential supplies. This partnership exemplifies our dedication to inclusivity, security, and convenience.”

Roofing professionals and DIY enthusiasts are invited to experience this groundbreaking service. To explore Roof Giant’s extensive roofing supply range and enjoy the ease of cash payments through Kasssh, visit roofgiant.com.

Viral Kid Who Threatened Santa Makes Amends in Charming Apology Video

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Jackson, the cheeky youngster from Chelmsford, Essex, who became a viral sensation for threatening to “punch Santa’s beard off,” is back in the spotlight. This time, the ten-year-old is extending an olive branch to Santa in a heart-warming apology video, five years after his infamous outburst.

Filmed by TUI, the video showcases Jackson, now a ‘Chief Good List Officer,’ offering children a chance to win a magical trip to Lapland. In the video, Jackson recalls his global infamy at the age of five. “When I was five, I told Santa I’d punch his beard off if he put me on the bad list,” he shares.

Now, in a twist of humour and charm, Jackson playfully warns, “Dad, even if he puts me on the good list I’ll still punch his beard off!” Despite this cheeky comment, the video ends with Jackson being questioned about possibly being banned from Lapland for his past comments.

In the video, an exasperated Jackson clarifies to his dad, “Dad!, I was never on the bad list, this is a myth you made up!”

TUI’s festive video coincides with a study revealing the lengths children go to be on Santa’s good list, including finishing their dinner, not arguing with siblings, and helping with cooking. The study by TUI found that 35% of UK kids start their Christmas lists in November, and a holiday or experience is the top wish for 78% of children, with 45% dreaming of visiting Santa in Lapland.

Phillip Iveson, commercial director of TUI UK & Ireland, commented, “When Jackson said he’d give us a hand to give one lucky family an experience of a lifetime, we jumped at the chance.”

The lucky winner of the competition will enjoy a trip to Lapland in 2024, complete with a meeting with Santa and festive activities like snowmobile rides and visiting the Snow Village. Entries for the competition are open from 20 November to 6 December 2023.

Behaviour guaranteed to get a child on Santa’s Good List:

  • Being good at school
  • Tidying your bedroom
  • Going to bed on time
  • Doing all your homework
  • Eating all your dinner
  • Helping to make dinner
  • Helping with the vacuuming
  • Brushing your teeth
  • Avoiding arguments with your siblings
  • Putting down the iPad when asked

Windsor Crowned as UK’s Top Pizza-Loving City, Surpassing London

A recent study conducted by online casino Luck.com has unveiled surprising trends in the UK’s pizza consumption habits. Windsor takes the lead as the most pizza-loving city, outshining London, according to the comprehensive analysis which factored in the number of pizza establishments, the mix of boutique versus chain pizza places, and average monthly searches for pizza-related queries per 100,000 people.

The study highlights Windsor’s remarkable preference for pizza, with 155 pizza branches and an impressive average of 2791 monthly searches per 100,000 people for pizza-related terms. The city’s array of pizza options includes a mix of one Dominos, one Pizza Hut, one Pizza Express, one Zizzi, and one Franco Manca, with Dominos alone drawing 1239 monthly searches.

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Following Windsor is Canterbury, which, despite its smaller size, boasts a strong pizza culture with six chain pizzerias and a high number of pizza-related internet searches. Leeds, Liverpool, and Brighton also feature prominently in the top five, with each city showcasing a unique blend of chain and independent pizza outlets catering to diverse tastes.

The spokesperson for Luck.com expressed their views on the findings: “It’s a pleasant surprise that Windsor is to be the most ‘pizza loving’ city in the UK, however it’s also not surprising that the other top places are very youthful student-based cities with a lot of restaurants and take-aways.”

The study indicates that while London hosts a significant number of pizza shops, its per capita interest in pizza is lower compared to cities like Windsor and Canterbury, landing it at the bottom of the top 10 list.

Surge in Preloved Luxury Sales Defies Online Retail Downturn

Despite the CBI reporting a significant downturn in online retail sales volume – the most substantial drop since 2009 – not all retailers are experiencing this decline. Amidst rising interest rates and the cost-of-living crisis, consumers are gravitating towards pre-loved luxury items for their Christmas shopping, offering an affordable alternative to new high-end purchases.

One such retailer thriving in this environment is S&R Jewellers, the online arm of Suttons and Robertsons. They specialise in pre-owned luxury jewellery and watches, offering them at substantially lower prices compared to new items. This approach has led to a 90% increase in their sales for 2023, and they anticipate further growth with their Black Friday sale featuring discounts up to 50%.

Jim Tannahill, Managing Director, said: “The cost-of-living crisis doesn’t stop people wanting to spend on luxury items, but we are seeing a huge increase in people turning to pre-loved jewellery and watches as they offer significant savings off of new retail prices.”

S&R Jewellers’ ever-changing inventory includes popular brands like Tiffany, Cartier, Bvlgari, and Rolex. While they can’t guarantee specific items, their focus remains on stocking high-demand items like Cartier love bangles and sought-after Tiffany pieces. They boast one of the UK’s largest collections of pre-owned Tiffany jewellery.

For those interested in selling their luxury items, S&R Jewellers also purchases pre-owned jewellery, promising competitive prices for suitable pieces.

Discover more about buying or selling pre-owned luxury items at sandrjewellers.com.

UK’s Independent Merchants Struggling in the Face of Corporate and Digital Competition

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In-depth Analysis: The Declining Role of Small Retailers in Local Economies

By Elvijs Plugis, Chief Marketing Officer at Grozeo for the UK

Once the backbone of local economies in the UK, independent merchants are now confronting an existential crisis, battling against corporate retail powerhouses and evolving consumer habits.

Digital Giants’ Dominance

The emergence of e-commerce giants has profoundly transformed UK retail, with their vast resources and online convenience drawing customers away from small independent merchants. These smaller businesses find it increasingly difficult to compete on price and variety, compounded by the rise in online shopping preferences favouring quick delivery and hassle-free returns.

Mounting Economic Pressures

Besides competing with large corporations, independent merchants face soaring rents, operational expenses, and regulatory burdens, making it difficult for these small businesses to thrive. Economic downturns have only exacerbated these issues, leading many to the verge of shutting down.

The Community Impact

The decline in the number of independent merchants affects not just the business owners but the entire local communities. These businesses traditionally form the social and economic fabric of neighbourhoods, and their disappearance leads to a loss of uniqueness in local areas.

Opportunities in E-Commerce

Although the rise of e-commerce has posed significant challenges, it also provides a lifeline. Independent merchants can harness the power of the internet, using tools like free e-commerce website builders to reach a broader audience, potentially offsetting the challenges posed by retail giants.

Consumer Trends

While modern consumers tend to prioritise convenience and pricing, there is still a market segment that appreciates the distinctiveness and quality offered by independent merchants. This presents a unique opportunity for these businesses to stand out in the market.

Stories of Adaptation

A notable example is the House of Spells in London, which has successfully carved a niche in retail by offering unique products and experiences. This story of adaptation is replicated by numerous small merchants across the UK, showing that success is still attainable amidst tough competition.

Strategies for Survival

Digital marketing presents a significant opportunity for supporting independent merchants. Collaborations, engaging with local communities, and partnerships with companies like Grozeo UK can provide the necessary resources and expertise for these businesses to transition into the digital world, like creating a free website.

Redefining Support for Merchants

Organisations like Grozeo are actively redefining how support is extended to small businesses. Their innovative approaches focus on empowering these businesses with digital tools and knowledge, aiming to preserve the diversity and vibrancy of local retail landscapes.

The Importance of Collective Efforts

The reduction in independent merchants represents a loss for the entire community. Utilising digital tools and innovative marketing strategies is essential for creating a retail ecosystem where independent merchants can not only survive but also thrive.

In our role as digital marketing enthusiasts and local business supporters, we must take proactive steps. Together, we can ensure that independent merchants remain a vibrant part of our communities for years to come.

Adored Earth Triumphs with Community Contribution Award at Clean & Tidy Home Show

Adored Earth, the eco-conscious laundry company, has recently announced their triumph in receiving the prestigious Contribution to the Community Award at the Clean & Tidy Home Show in London. Established just over a year ago, this accolade is a testament to the tireless efforts of the Adored Earth team.

From their base in Leeds, Adored Earth has taken a comprehensive approach, not just in retailing eco-friendly laundry products but also in actively improving their local community. This includes participating in Litter Free Leeds’ litter picking campaigns, planting trees, and sowing seeds. Their dedication extends to organizing community and beach cleaning events throughout the UK, an effort that earned them this esteemed community award.

The company also achieved a top-six placement in the Cleaning Product of the Year category for their revolutionary Eco-Ergent laundry detergent sheets. These sheets are an eco-friendly and highly efficient alternative to traditional laundry detergents, made from biodegradable materials.

Sal Poyser, Co-founder of Adored Earth, commented: “Winning Contribution to the Community shows our hard work is paying off. We don’t just want to sell eco-products, we want to inspire true change. Our litter picks and tree planting events here in Leeds bring people together to make a real difference, one step at a time.”

To commemorate their success and encourage wider community participation in local clean-up efforts, the brand is launching a special offer for new subscribers for the next month. New customers can enjoy a 20% discount on their first pack of Eco-Ergent sheets and the opportunity to win a variety of free items, including a litter picker and litter picking hoop. This offer can be accessed using the code CTHS72! on their website www.adored.earth.

Adored Earth is continuing to organize community events across the UK and welcomes anyone interested in joining their future litter picks. They invite all who are passionate about making a difference to take part, underscoring the belief that collective minor efforts can lead to substantial change.

Let’s collaborate to enhance the cleanliness and sustainability of our communities and our planet.

Karaca, Türkiye’s Premier Home and Lifestyle Brand, Bolsters UK Footprint

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Karaca, a storied brand with a 50-year legacy, proudly unveils its second UK establishment at Westfield London, Europe’s largest shopping mall, following the acclaimed launch of its first store in Islington Square, a key shopping hub in the UK capital.

Karaca, a trailblazer in the Turkish home and lifestyle arena for five decades, is elated to announce its newest UK store opening at Westfield London, the largest shopping centre in Europe. This development is a pivotal element in Karaca’s global growth plan, stemming from the success of its first London venture in Islington Square.

Established in 1973, Karaca has grown into a renowned name in Türkiye, boasting a comprehensive portfolio of over 28,000 products. The brand has been a game-changer in the home and lifestyle industry, offering innovative, quality products spanning kitchen necessities, tableware, compact household appliances, and sophisticated home decor. Its Fine Pearl Collection, the only dinner set worldwide made from genuine pearls, underscores Karaca’s dedication to superior design and craftsmanship.

Global Market Expansion Begins with UK Investment


Karaca’s global presence extends to 48 countries, with 305 retail outlets and over 2,000 points of sale, evidencing its longstanding reputation and popularity. The brand’s foray into the UK market signifies a strategic effort to fortify its position as a global industry leader.

Cihangir Çetintırnak, Country Director of Karaca UK, stated, “After a solid history of 50 years, our vision is to establish ourselves as one of the top three brands in our category not just in Europe and America, but across the world. The opening of our second store in Westfield London, is a crucial milestone in achieving our 2030 vision. Following the success of our Islington Square store and our growing presence in the UK e-commerce market, we are enthusiastic about using the UK market as a springboard for expanding our global presence.”

Enhancing UK-Türkiye Trade Relations for Future Economic Partnerships


Karaca’s expansion in the UK is in line with the burgeoning trade relations between the United Kingdom and Türkiye. The UK government recently called for contributions to establish a new, updated free trade agreement (FTA) with Türkiye, intended to replace the current, outdated agreement based on 1990s provisions and limited to goods trading.

The new FTA is anticipated to be broader, encompassing sectors such as technical and digital services, technology, thereby addressing the demands of the 21st-century economy. The increasing trade volume, reaching £26 billion in the 12 months leading up to June 2023, highlights Türkiye’s significance as a top 20 trading partner for the UK.

Karaca’s UK market expansion reflects this growing economic relationship. The revised FTA is expected to open new opportunities for Turkish companies in London and across the UK, fostering a vibrant business environment and promoting cultural exchange.

Contact: Yasin Erdurmuş, [email protected]

About Karaca:
The Karaca Group, encompassing 11 brands including Karaca Home and Emsan, operates internationally with nearly 3,500 employees. It amalgamates an array of over 140 product categories, from avant-garde dinnerware to advanced home appliances, under its flagship brand.