Social Protection & Cooperatives Spotlight – Mobilizing social and solidarity economy units towards universal social protection
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Social Protection & Cooperatives Spotlight – Mobilizing social and solidarity economy units towards universal social protection

This ILO Spotlight brief is jointly developed by the Social Protection Department and the Cooperatives Unit in the Enterprises Department. It focuses on mobilizing social and solidarity economy units towards universal social protection. The brief builds on the related section of the Office Report on “Decent Work and the social and solidarity economy” prepared for general discussion at the International Labour Conference 110th Session, 2022 (paras 73 et seq.).

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Read the full text here: https://www.ilo.org/wcmsp5/groups/public/—ed_emp/—emp_ent/—coop/documents/publication/wcms_844037.pdf 

 

This publication has been prepared within SENBS project No. 2020- 1-EE01-KA204-077999. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

 

the  Social Economy Action Plan (SEAP) is now available in 23 EU official languages
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the Social Economy Action Plan (SEAP) is now available in 23 EU official languages

The European Commission has today presented an Action Plan to help the European social economy thrive, tapping into its economic and job-creation potential, as well as its contribution to a fair and inclusive recovery, and the green and digital transitions.

Please see here the document in 23 languages:

https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52021DC0778&qid=1640075004787

And read below general info on SEAP.

Social economy organisations are entities which put social and environmental purposes first, reinvesting most of their profit back into the organisation. There are 2.8 million social economy entities in Europe that employ 13.6 million people and which offer solutions to key challenges in our societies. They span a diverse range of sectors and forms, from care services to recycling; from cooperatives to social enterprises.

Enhanced support to the social economy not only creates jobs, but also allows organisations to increase their social impact across the EU. Today’s Social Economy Action Plan smooths the way for social economy organisations to prosper and grow.

The Commission proposes to act in three areas:

Policy and legal frameworks are key in creating the right environment for the social economy to thrive. This includes taxation, public procurement and State aid frameworks that have to be adapted to the needs of the social economy.

To address these issues, the Commission will propose a Council Recommendation on developing the social economy framework conditions in 2023. It will also publish guidance for Member States on taxation frameworks for social economy organisations and facilitate easier access to guidance on State aid. The Action Plan also aims to improve good practice on socially responsible public procurement and promote the targeting of the social economy outside EU borders.

Social economy entities should benefit from business development support to start up and develop, as well as to reskill and upskill their workers. For 2021-2027, the Commission is aiming to increase its support beyond the estimated €2.5 billion allocated to the social economy previously (2014-2020).

Among other actions, the Commission will launch a new EU Social Economy Gateway in 2023 to ensure social economy actors can find all the information they need in one place on EU funding, policies, training and initiatives. It will also launch new financial products in 2022 under the InvestEU programme and improve access to funding. In 2022, the Commission will also set up a European Competence Centre for Social Innovation.

The Action Plan aims to make the social economy more visible and improve the recognition of its work and potential. The Commission will carry out communication activities emphasising the role and specificities of the social economy.

Furthermore, the Commission will launch a study to collect qualitative and quantitative data to better understand the social economy across the EU. It will also organise training courses for public officials on various topics with relevance for the social economy, promote the social economy at regional and local levels by fostering cross-border exchanges, and much more.

With today’s Action Plan, the Commission is also launching a “transition pathway” to help the green and digital transitions of the social economy in dialogue with public authorities and interested parties.The Commission seeks public views on the transition pathway through an EU survey open until 28 February 2022.

The social economy includes a variety of businesses, organisations and legal entities, such as social enterprises, cooperatives, mutual benefit societies (a specific type of collective insurance), non-profit associations and foundations. They put people and the environment at the centre of their mission and reinvest most of their profit back into the organisation or a specific social cause. They are governed in a participatory, bottom-up way.

Building on the Commission’s 2011 Social Business Initiative, the Action Plan is the result of an extensive consultation process with citizens and stakeholders. More information can be found in the Staff Working Document accompanying the Social Economy Action Plan and in the Staff Working Document on the transition pathway on social economy.

EC presented guidelines on Social Economy Action Plan in form of Q&A
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EC presented guidelines on Social Economy Action Plan in form of Q&A

Questions and answers: the Social Economy Action Plan

 

What is the social economy?

There are 2.8 million social economy entities in Europe that employ 13.6 million people and which offer solutions to key challenges in our societies. Social economy organisations are entities which put social and environmental purposes before profit (“people and planet first”). They reinvest most of their profit back into the organisation or a social cause, and have a democratic or participatory form of governance (“bottom-up”).

The social economy includes a variety of businesses, organisations and legal entities, such as social enterprises, cooperatives, mutual benefit societies (a specific type of collective insurance), non-profit associations and foundations. They operate in many economic sectors, such as social services, health care, social housing, affordable and renewable energy, circular economy, agriculture, financial and insurance activities, culture, media and recreation.

Here are some examples of social enterprises, supported by the European Programme for Employment and Social Innovation (EaSI):

  • In Austria, the social enterprise Sign Time is leading the SiMAX project for developing a digital technology which provides real-time sign language translation and removes communication barriers for people with hearing disabilities.
  • The HomeLab project developed and tested Social Rental Enterprise (SRE) models for integrated housing and labour services for marginalised groups in Czechia, Hungary, Poland and Slovakia.
  • In France, Makesense Seed is a fund to support early-stage social enterprises with investments of up to €500,000.

What is the Social Economy Action Plan and why do we need it?

The social economy has an important untapped economic and job creation potential. It can play a key role in a fair and inclusive recovery from the pandemic, as well as in the green and digital transitions.

Social economy organisations create and retain quality jobs, and contribute to social and labour market inclusion. They drive sustainable economic development, promote the active participation of citizens, and play an important role in Europe’s welfare systems.

To realise its full potential, it is important to raise the social economy’s visibility and create an environment that enables the social economy to thrive and grow.

The Action Plan focuses on three main areas:

  1. Creating the right conditions for the social economy to thrive

The Action Plan proposes measures to help design regulations and policies that are better adapted to the social economy at all relevant levels, thereby creating an enabling framework for the social economy to thrive.

  1. Opening opportunities for social economy organisations to start up and scale up

The Action Plan will open up new opportunities for the social economy, for example by facilitating access to funding, business support, and networks.

  1. Making sure the social economy and its potential are recognised

The Action Plan aims to increase the recognition of the social economy and its potential, by making it more visible through research, evidence gathering and communication activities.

Who can benefit from the Social Economy Action Plan?

Social economy entities will benefit from the Action Plan as it aims to improve their visibility and recognition, support the development of enabling policy and legal environments, and make it easier to access funding and business support. The Action Plan will help make the social economy better known and understood, including among young people, investors and public authorities.

More generally, the social economy has a wider societal impact and potential, for instance by contributing to social and labour market inclusion. The social economy therefore contributes to implementing the European Pillar of Social Rights Action Plan, including its three 2030 EU headline targets, for instance the increase of the employment rate to 78% and the reduction of the number of people at risk of poverty and social exclusion by at least 15 million.

How will the Action Plan help make the economy work for people?

Paid employment in the social economy varies between 0.6% and 9.9% amongst Member States. Therefore, the social economy has a significant untapped potential for job creation in many countries. The Action Plan will help social economy entities to scale up their impact and activities, including across EU borders, for example, by facilitating access to business support and funding.

Boosting the social economy is also a way to create more jobs. The social economy employs some 13.6 million people in the EU and makes an important contribution to GDP in the countries where it is most developed. For this reason, it has been included in the “Proximity and Social Economy” ecosystem, one of the 14 industrial ecosystems identified in the update of the EU Industrial Strategy.

How will local communities benefit from the Social Economy Action Plan?

Social economy business models bring value to local economies and societies by contributing to their inclusiveness, resilience and sustainability. They have strong local roots and aim to serve the community where they are based, for instance by retaining economic activities and revenues locally. As such, they contribute to drive local economic development in sectors specifically relevant to the regions, for example in rural areas, in relation to agriculture and organic food production or in the blue economy (industries and sectors related to oceans, seas and coasts). They foster short value chains facilitating local production and consumption, and support the circular economy.

As part of the Action Plan, the Commission will support Member States and stakeholders to boost the social economy and social innovation in rural areas and will expand the European Social Economy Regions network to reinforce new regional and local partnerships. It will also work with cities to develop Local Green Deals or green citizenship actions.

How will the Action Plan contribute to fair green and digital transitions?

The social economy is an important driver of fair and inclusive green and digital transitions. It contributes to the development of sustainable practices, for instance in the fields of the circular economy, organic agriculture, renewable energy, housing and mobility. The social economy can also provide solutions for those impacted by the green and digital transitions, for example through training and reskilling workers, and by providing job opportunities.

It can also contribute to tackling the digital divide and ensuring that the digital transition leaves no one behind. Social economy actors working on “Tech4good” for example deploy digital technologies, (e.g. blockchain technology, big data, artificial intelligence) to achieve a green and social impact.

As part of the Action Plan, the Commission will help the social economy to adopt and develop green practices, products and services, and to improve its digital capacities.

A Commission Staff Working Document, coming along with the Action Plan, launches scenarios for a “transition pathway” to accelerate the green and digital transition of the social economy, as part of the Proximity and Social economy industrial ecosystem, involving engagement with public authorities and interested parties.

How will the Action Plan support social innovation?

By operating in a bottom-up way and being close to communities, citizens and the problems they face, social economy entities have the capacity to find and implement innovative solutions. With this Action Plan, the Commission wants to help successful ideas to be replicated across the EU. This is also the objective of the new European Competence Centre for Social Innovation, which will be set up in 2022. The Action Plan also aims to make it easier to pool resources for social innovation from the public sector, philanthropic and social investment actors.

How will the plan be implemented and by whom?

The Action Plan announces a set of actions by the Commission to strengthen the social economy. It also encourages Member States and other actors to put in place actions to support its implementation and to make the most of the opportunities it offers.

The Commission encourages Member States to adopt or update their social economy strategies and initiatives in cooperation with social economy stakeholders. It also calls on Member States to designate social economy coordinators. The Commission will take stock in 2025, looking at progress made and remaining barriers.

Where will the funding for the Action Plan come from?

The Commission’s ambition is to increase the level of support for the social economy under EU funds in the 2021-2027 period. It will for instance launch new financial products in 2022 under the InvestEU programme aimed at mobilising private financing. Other EU programmes that will offer dedicated or indirect support for the social economy include the Employment and Social Innovation strand of the European Social Fund PlusHorizon Europe, the Single Market ProgrammeErasmus+ and the LIFE Programme. At national level, EU funding will be available for example via the Cohesion Policy Funds and national recovery and resilience plans where applicable.

What is the transition pathway and how will it work?

Presented in the context of the updated EU Industrial Strategy, transition pathways for industrial ecosystems are created in partnership with stakeholders such as industry, public authorities and social economy stakeholders.

It will accompany the twin transition of the “Proximity and Social Economy” industrial ecosystem and contribute to the implementation of the Action Plan in this area. The Commission seeks public views on the transition pathway through an EU survey open until 28 February 2022.

For More Information

Press release: Commission presents Action Plan to boost the social economy and create jobs

Factsheet: Social Economy Action Plan

Communication: Social Economy Action Plan

Staff Working Document accompanying the Social Economy Action Plan

Staff Working Document on the transition pathway and related EU Survey

Social Economy Action Plan website

Subscribe to the European Commission’s free e-mail newsletter on employment, social affairs and inclusion

 

Questions_and_answers__the_Social_Economy_Action_Plan

 

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This publication has been prepared within INDIGISE project. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

Funding opportunities for social economy – update 2022

Funding opportunities for social economy – update 2022

Social economy and inclusive entrepreneurship are topics with transversal relevance for a variety of policy fields and economic sectors. Funding opportunities can therefore be found in most EU funding programmes.

Some of these programmes include dedicated measures. Others can be tapped into by social economy and inclusive entrepreneurship actors, even if they do not target them explicitly. This official EU webpage https://ec.europa.eu/social/main.jsp?catId=1561&langId=en  provides an overview of the most relevant EU funding programmes.

Employment and Social Innovation Programme and its 2021-2027 successor

Microfinance and social enterprise finance are key enablers for the development of social and inclusive entrepreneurship. This is why the EU is providing support to microfinance and social enterprise finance providers in the form of both repayable and non-repayable finance to enhance their potential in creating jobs and building a more social and inclusive Europe.

Microfinance

Lack of access to finance is one of the main obstacles micro-enterprises are facing. A significant unmet demand for microfinance exists for vulnerable groups, which face difficulties in accessing conventional credit markets, for start-ups, as well as existing micro-enterprises.

Microcredit providers play an important role in channelling EU support to entrepreneurs. However, this young and growing sector is quite heterogeneous due to the disparity of legal and institutional frameworks in Member States and the diversity of the microcredit providers.

The Commission has launched the following support and actions targeting microcredit providers under the Employment and Social Innovation (EaSI) programme:

  • European Code of Good Conduct for Microcredit Provision  defining a unified set of standards for the microfinance sector in Europe. To be able to benefit from an EaSI Microfinance Guarantee, non-bank microcredit providers have to sign up to the Code and banks have to endorse it;
  • guarantee for microcredit providers to increase lending to micro-entrepreneurs;
  • Technical Assistance programme, which provides an institutional assessment or a financial rating to microcredit providers, and supports the evaluation of their compliance with the European Code of Good Conduct for Microcredit Provision. It also provides capacity building and operates a dedicated helpdesk for microfinance providers;
  • an EaSI MicPro database which acts as a source of information about microcredit providers in each country.

Social enterprise finance

As highlighted in the Social economy action plan, lack of access to finance is one of the obstacles for social entrepreneurship to thrive.

The EU is enabling access to investments of up to EUR 500,000 through the Programme for Employment and Social Innovation (EaSI). Available support includes a guarantee, capacity building investments, a funded instrument and advisory support for social enterprise finance providers.

In addition, equity investments in social enterprises have been piloted under the European Fund for Strategic Investments (EFSI) Equity instrument, namely via funds linked to incubators/accelerators and co-investments with social business angels.

To complement financial instruments providing repayable finance, the Commission provides grant support with a view to addressing specific market gaps:

  • Grants aimed at covering part of the transaction costs of intermediaries. The grant serves as an incentive to intermediaries for making investments of below EUR 500,000 in social enterprises. Eight projects were selected in 2017 and an additional eight projects in 2019.
  • Grants for boosting the development of social finance markets in Europe: 21 pilot projects were selected in 2013, a further 20 projects were selected in 2016, and 14 projects in 2019. The projects served as basis for developing a practical guide entitled A recipe book for social finance.

The Commission also provides operating grants for EU-level networks active in the areas of microfinance and social enterprise finance. Moreover, Member States have the opportunity to support both microfinance and social enterprises through the European Social Fund.

In the period 2021-2027, the support to microfinance and social enterprises will be continued and reinforced under the InvestEU programme. More information will be available soon on the InvestEU portal. In addition, the Employment and Social Innovation (EaSI) strand under the European Social Fund Plus will complement the InvestEU instruments with EU level support for the development of social enterprises, the emergence of a social investment market, and the development of the market ecosystem around the provision of microfinance.

Other relevant EU funding programmes during 2021-2027

The European Social Fund Plus (ESF+) is an important funding source for promoting the social economy and social innovation at national, regional and local levels. Social economy organisations are well placed to achieve most of the ESF+ specific objectives, notably in relation to enhancing the inclusiveness of labour markets and access to quality employment.

At the EU level, the Commission will support transnational cooperation specifically with a view to accelerating the scaling up of social innovation.

In addition to dedicated funding provided via the InvestEU and ESF+, several other EU funding programmes are providing opportunities for the social economy, social innovation and inclusive entrepreneurship:

The European Commission makes use of the Funding & tender opportunities portal to ensure applicants have a common entry point to EU grants.

Information on how to access this funding has been gathered in an European Funding Toolkit by the Euclid Network and in a Funding Toolkit for Early-Stage Social Innovators developed in the context of the European Social Innovation Competition.

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This publication has been prepared within INDIGISE project. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

Podcast on Impact Measurement, Citizen Participation and Governance
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Podcast on Impact Measurement, Citizen Participation and Governance

Welcome to Episode three of Social EcPodcast Miniseries – Finance 4 Good!

In this episode we build upon the previous two episodes, in which we introduced the opportunities that citizens have to save their money in ethical finance institutions, where they can be sure that their money will be used in truly green and social investments that really make this world a more sustainable place. We are joined by Rico Travella, from Alternative Bank Schweiz; Piet Callens, from Hefboom; and we return to Peru Sasia, the President of FEBEA, which is the European Federation of Ethical and Alternative Banks and Financiers. The topic of today´s podcast is: how can citizens participate in the process of ethical banking and financing? How can citizens who save their money in ethical finance institutions have a say in the decisions that are made? This comes down to the governance of ethical banks and financiers, where transparency is key, where (unlike traditional banks), motivation is not based on making a profit since salaries are limited and citizens who invest, get to participate in many stages of decision making. We also look into the challenges of impact measurement.

 

LISTEN HERE:

 

https://soundcloud.com/user-704418876/citizen-participation-and-governance-of-ethical-finance-institutions?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fuser-704418876%252Fcitizen-participation-and-governance-of-ethical-finance-institutions

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This publication has been prepared within INDIGISE project. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

 

Youth Upskilling and Experience Through Social Innovation
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Youth Upskilling and Experience Through Social Innovation

Watch this lively conversation with Estefania Fernandez, a serial educational entrepreneur, youth leader and polyglot originally from Spain. After relocating to Berlin, Estefania created her “Business Model Republic” Meetup group to connect with others. This group exploded to more than 6 thousand members, and became an obvious launching point for her latest venture: e-bloom. E-bloom is an international community where young business graduates gain skills by participating in social innovation projects.

[embedyt] https://www.youtube.com/watch?v=28Fe9Blbwp0[/embedyt]

 

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This publication has been prepared within INDIGISE project. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

Youth Building Skills and Gaining Opportunities Through Entrepreneurship and Social Innovation
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Youth Building Skills and Gaining Opportunities Through Entrepreneurship and Social Innovation

“Nearly 90% of young people today live in low and middle-income countries.  Around 200 million adolescent people are not in education programs and 13% of young people globally are unemployed. This presents numerous challenges and hinders young people from acquiring skills which will be useful for their further development and activation in society. However social innovation presents an opportunity for young people to create their own opportunities by themselves.

The covid-19 pandemic presented a challenge in terms of peer-to-peer interaction, education, community involvement and overall engagement. The need to adapt to difficult circumstances has inspired young people to find new ways to interact, especially through ICT solutions. A study commissioned by the European Commission’s Joint Research Centre named ‘ICT-enabled social innovation services for active inclusion of young people”, stresses that ICT driven social innovation for young people is focused on three main areas: education and training, active inclusion aimed at supporting young people’s entry into the labour market and youth inclusion addressing issues around social and civic participation. Many youth initiatives have done the best they could with their resources thanks to ICT solutions. Social innovation became the cornerstone to transforming youth initiatives into smart organisations.

There are numerous examples of how young people have taken the initiative and have created socially innovative solutions in many EU countries as well as globally, before, during and after the Covid-19 pandemic. We have the example of Zafer Elçik, a 24 year old from Turkey who recognised that his autistic brother was most attentive when he was using his smartphone, which gave him the inspiration for the idea of an educational Gaming app which would serve children and young people with learning difficulties and special needs in order to help them develop their cognitive skills. Otsimo, the app he developed is now helping more than 30.000 users and is downloadable for free. There are numerous European initiatives which have been pioneers in social innovation among youth, such as Capacitare, Consultoria e Negócios Lda,   Citizens in PowerGeopaideia, etc.

In this period of uncertainty, having young people collaborate and innovate along with their peers to find solutions which are socially advantageous is more important than ever. Through peer to peer collaboration they can find solace during troubling times and contribute in their community, therefore regaining a little agency in the development of their social circles as well as beyond their initial sphere of influence.

The labour market is currently governed by large industries, nevertheless it is still noticeable that entrepreneurship is becoming increasingly important. The labour market can be shaped and renewed thanks to the potential that can be brought by young social entrepreneurs and their innovative solutions. Although social entrepreneurship is an innovative concept in and by itself,  there are still areas and niches which have not been explored and have not been served. This presents an opportunity for young people not only to focus on an activity which has a positive impact on society and turn it into an enterprise, but to automatically reduce youth unemployment as well.

It is important to remind young people that before starting to develop their project or business idea they need to start by creating a solid plan and form a team of peers that can help them navigate their project. They can seek the help and consultation from civil society organisations in their vicinity, they can pitch their ideas to potential investors and therefore involve more potential partners in what they have envisioned.

There are a plethora of opportunities for young people who want to start something of their own.  One of these examples is the Erasmus programme for young entrepreneurs, thanks to which a young person can be mentored and assisted by an experienced entrepreneur in another EU country.

A network which can be of relevant importance to young people who are interested in developing their idea or in finding like-minded individuals to develop their socially innovative idea with, is the JEUNE network – The Young Entrepreneurs Organization of the European Union, which currently represents as many as over 1,660,000 young people from 20 countries who are interested in entrepreneurship. As it is the largest European-wide network of young entrepreneurs it is crucial to foster and create relations between civil society, companies as well as governments with the aim of voicing the needs for development of entrepreneurship among youth, as well as improving the opportunities for youth by creating a relevant and useful network, which is at their disposal should they need it to further their prospects.

To conclude, it is clear that young people nowadays come across many challenges in acquiring employment opportunities, and social innovation through entrepreneurship is still what can be considered a niche through which they can become active members of their communities as well as earn their living or even create employment opportunities for their peers. It is up to decision makers to help foster this and it is up to CSOs to offer guidance and partnership to those young people that wish to become social innovators in their communities. ”

by Caterina Rende Dominis

Source: https://digitalsocialinnovation.org/youth-building-skills-and-gaining-opportunities-through-entrepreneurship-and-social-innovation/

 

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This publication has been prepared  for the Social Innovation Network project and is fully consistent with INDIGISE project objectives.  The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.

Entrepreneurs — here’s how you can improve your funding outcomes
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Entrepreneurs — here’s how you can improve your funding outcomes

“Cambridge Judge Business School has collaborated with Esme Learning to launch executive education programmes to empower working professionals’ careers.

The multi-year collaboration commences with two inaugural six-week online executive education programmes in startup funding and RegTech, which start in October 2021.

Startup Funding: From Pre-Seed to Exit aims to help entrepreneurs overcome the trickiest funding challenges facing startups.

The programme will help professionals understand how to fund a venture and navigate critical inflexion points along a company’s growth trajectory to achieve a successful exit or long-term operational viability.

The programme will also walk learners through, step-by-step, how to improve their funding outcomes for their entrepreneurial project. 

“You will learn how to structure your project so it is more investable, communicate the investment merits of your project, be more efficient in the fundraising process, and improve the terms of investments,” notes the course description.

Margaret Thatcher Professor of Enterprise Studies in Innovation and Growth and Entrepreneurship Centre co-director Stylianos Kavadias notes: “This programme equips you with knowledge that fuses together the two important perspectives that drive successful development for startups — the fundraising skill set and the managerial competencies and skills that will help you balance the steps forward and the decisions needed to go from pre-seed through exit.”

RegTech: AI for Financial Regulation, Risk, and Compliance will prepare risk, compliance, innovation, and data sector business leaders to navigate the industry’s complexities, including technologies such as AI and machine learning that support automated regulation.

In this programme, professionals will learn to identify new applications and revenue opportunities for RegTech solutions, including technologies such as big data, cloud computing and AI.

University of Cambridge Judge Business School management practice professor Robert Wardrop notes: “This programme is a good example of the application of data science to solve real-world problems — in this case, challenges around regulatory change, regulatory compliance and risk management for firms operating in the economy.”

Both programmes will feature high-quality video instruction; interactive, timely media such as podcasts and articles; and correlating formative assessments that test knowledge retention.

The startup funding course begins on October 13, 2021 while the RegTech course will begin on October 20, 2021. Registration for both programmes will close one week after they begin. 

Both programmes cost 2,200 US dollars respectively. Successful programme participants will receive a certificate issued by the Cambridge Judge Business School. “

 

Source: https://u2b.com/2021/08/13/cambridge-esme-launch-startup-funding-regtech-exec-ed-courses/

More information: https://u2b.com/

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This publication has been prepared within INDIGISE project. The content of this publication is the sole responsibility of the project coordinator and may not always reflect the views of the European Commission or the National Agency.