Venture Capital Investment in FinTech: An Interactive Visualisation


In the past decade, there have been a great number of trends in the financial sector that have caused the foundations of the industry to shake and modify itself, mostly for the best.

After an uncertain period that came right after the 2008 World Financial Crisis, the financial technology sector experienced an exponential growth that rivals that of any other sector in modern history. FinTech is still on the rise today, and to visualise this data and the amount of venture capital invested in the industry, it’s certainly helpful to take an interactive look at the biggest and most influential countries and cities that make this trend more relevant than ever.

The impact of FinTech can be observed in many areas, from new job creation to banking, loaning and radical changes in consumer experience. As of this moment in history, we appear to have entered a new phase in the growth of this rapidly changing industry.

The map and graph about FinTech venture capital investment spans the years between 2008 and 2019, providing many interesting insights such as the rise of the German market and influence all over Europe. Taking the German country to be considered even more attractive than the UK, the long-time financial technology hub of Europe.

This British decline in the FinTech sector is certainly to be attributed to the uncertainty following the controversial decision to leave the EU. As the map suggest, venture capital investment has dropped significantly in 2017.

Does this mean that the UK is lacking in financial technology innovation? Not at all. Although the data on venture capital investment seems to be less-than encouraging, this drop in a specific kind of investment actually suggests a strengthening of the market, as many industries experience a drop in new capital in favour of a consolidation of already existing investors that prefer to invest more in later rounds of funding

Still, Brexit certainly plays a role in some investor’s indecision to enter the financial technology sector. A field that is still very new and little understood by old-fashioned capital holders.

Of course, the possibility of Brexit and the threat of a no-deal has caused massive concerns for start-up founders as well. There still has not been a race to get out of the UK by tech companies but some have decided to expand their reach in other European countries like Switzerland or France. Switzerland is particularly attractive for the Swiss tax policies that are generally regarded as favourable for companies of any kind.

The FinTech trend seems to be destined to keep going strong in all of Europe and the UK, yet it must be noted that some major issues remain, especially considering the possible advancement of immigration policies that could impede the transit of specialised workers from one country to the other.

Nicola Clothier is CEO of Accurity GmbH, a Swiss-based employment service provider. Nicola has an Honours degree in English Literature from Stirling University and more than 20 years’ experience in Swiss employment, and personnel leasing up to executive level throughout Europe.

EU Migration made visible

In Europe, globalisation has contributed enormously to the increased number of people relocating abroad. In the early 2000’s some estimations placed the number of people living abroad at about 170 million. Today this number has skyrocketed to a staggering 260 million. The promise of a better future and greater opportunities is undoubtedly one of the key factors that contributed to this radical increase in migration.

The media present this increased level of migration generally in a sensational way and predominantly focuses on people migrating as a result of poor living conditions in their own countries, i.e. people fleeing Syria as a result of the continuing war there. This undoubtedly has changed the perception people have of migration, especially in the EU.

Click on the map for more info

Contrary to the views in the media, the interactive map above focuses on people “on the move” and who are classified as “highly skilled”. The first section of the map is about the number of people living abroad, categorised by their skill level. In the pop-up boxes that appear whenever you click on a country, you can see the percentage of low, medium, and highly skilled workers who have relocated to that particular country.

The graph below the interactive map shows in more detail where highly skilled staff originate from and shows the percentages who were born in the country, how many have relocated there from another EU state, and how many have migrated from a non-EU country. This is interesting as it clearly shows the “friendliness” EU member states have towards skilled non-EU migrants, which can be perceived as an indicator of the level of open-mindedness in that country.

The third and final section focuses on Switzerland, a country generally associated with migration mainly for their income tax rates, which vary from canton to canton and are generally very favourable. Switzerland is currently very interested in attracting skilled migrants from all over the world, and the final section offers some clear insights on migration to Switzerland, like the possibility of staying for longer periods of time than three months if you’re a EU citizen just by filling in a registration form and applying for residence permits.

Based on insights from the European Commission, this map shows trends such as Poland welcoming a higher proportion of highly skilled migrants than the UK, but, in terms of numbers, the UK is still the most attractive relocation destination for highly skilled migrants. However, when you look at the total number of migrants, Germany has taken in the most.

The question now is: will the UK lose her status as most favoured destination for highly skilled migrants now Boris Johnson, who favours Brexit, has become Prime Minister of the UK? Will Germany, the second most attractive destination for highly skilled migrants, replace the UK as the perceived “land of opportunities” in Europe?

The data also indicates that politicians have failed to explain the benefits of migration to their respective citizens. Instead of promoting Europe, they have focused on narrow, nationalistic issues and lost sight of the bigger European picture.

The increasingly nationalist attitude in Europe also has had a big impact on the mobility of highly, medium, and low skilled workers. People simply don’t feel welcome anymore and move on to other countries or return to their own countries.

Statistics give us the chance to form opinions based on concrete facts. And that’s, in essence, what this map aims to do, to give a more plausible and comprehensive context to an informed opinion of the migrant situation in Europe.

Nicola Clothier is CEO of Accurity GmbH, an employment service provider which operates in Switzerland. Nicola graduated with Honours in English Literature from Stirling University and has more than 20 years of experience in providing employment services.

Online vs. Written Practice Materials for Psychometric Test Prep


JobTestPrep’s Online Practice Materials vs. Written Practice Materials for Psychometric Test Prep

Written By: Jennifer Feldman

It is becoming increasingly more popular for employers to give graduates online psychometric tests as part of the recruitment process. The psychometric test is used to gain insight into a potential employee’s skill sets, character traits, working style, and ability to handle a workload. Gone are the days of the paper-and-pen test. With a computer-based test comes a whole new set of challenges job seekers should be aware of. Let’s take a look at a typical selection process used by some top employers.

Now that you understand what a typical selection process looks like, it’s time to discover how to best prepare. I am here to outline the five benefits of using online practice materials—online practice tests, interactive study guides, video tutorials, and online interview practice—over traditional written practice materials, i.e. books, paper practice tests, and offline courses.

  1. Why Practise Riding a Bike When You Want to Learn How to Drive a Car?

The first step of the job selection process displayed above is sending in an application online, followed by online assessments, a Skype interview, and, finally, an in-person assessment day. As a candidate, you must pass three out of six steps of the application process online before you even make it to the in-person assessment day. Once you make it to the assessment day, you will face shorter versions of the online assessments. As most of the selection process is to be tackled online, it is best to prepare with online resources.

  1. Learn How to Use the Clock to Your Benefit

Unlike the old-fashioned paper exams, when taking a computer-based exam, there is a digital timer reminding you how much time is left in the test. Here is an inside tip: most tests are not meant to be completed. Therefore, it’s okay if you do not cover all the material, nor should you let the time constraint control you. That being said, a great way to gain an advantage over other candidates is to be familiar with pacing yourself. Also helpful is learning how to use the time clock. Practising online with is the easiest way to do this. JobTestPrep enables you to practise in two different modes: Practice Mode which includes a detailed answer explanation for every question and Timed Mode which simulates the time constraints of the actual exam. Practising with the timer is a gamechanger. You can learn how to manage your time as well as increase your chances of finishing assessments. Take a look at this free practice aptitude test from JobTestPrep to understand how these features work.

  1. Get Instant Feedback

When you take online practice, you receive instant feedback whether you answered the question correctly or incorrectly. If you got a question wrong, you can learn how to solve it, right then and there, while the question is still fresh in your head. You can also get detailed score reports that track your progress. Using both score reports with explanations and test-taking hacks can save you valuable time on the actual exam. When you use traditional written materials, you are not exposed to this valuable feedback.

  1. It’s Time to Teach an Old Horse New Tricks

Unfortunately, the old strategies you used for taking a pen-and-paper exam are completely different than those needed for taking an online exam. When you take an online exam, you can’t star hard items, write yourself little notes, or skip around as easily. A common dilemma you may encounter when taking an online exam is whether you should take educated guesses on more questions or answer fewer questions more accurately. The answer is that you need to strike a balance. Overall, getting good marks on fewer questions is better than finishing the assessment and getting a poor mark.

  1. Access Up-to-Date Resources

One of the best benefits of using online resources is that obsolete materials can easily be updated. When you use a preparation book or e-book, you need to make sure it has current information.

Let the evidence speak for itself in the battle between online materials and written practice materials. My recommendation is out with the old and in with the new. Online products are the best way to prepare. Take a look at these online practice materials for:

This article was contributed by Jennifer Feldman. She is a speech and language expert and blogger at JobTestPrep. She specialises in writing about the employment hiring process.


Golden International Hotels Manchester scam

We have removed the following Golden International Hotels Manchester scam:

“Dear Sir/Madam, The Management of Golden International Hotels Manchester UK, is using this media mail to inform you about an open recruitment that is going – on with the Golden International Hotels Manchester United Kingdom Family, this offer of employment can be a good opportunity for you to live in the United kingdom Manchester & work in a good explore of your career to a better position, the floor management of Golden International Hotels Manchester will help every successful applicant in getting their visas & other entry documents, both Sex can apply, if you love to be a part of winning teams at Golden International Hotels Group Manchester UK.The hotel Management will be responsible for the entire successful applicant’s flight air tickets from their country to the Manchester United Kingdom, Accommodating / feeding & medical supports are free for you as a staff of Golden International Hotels Manchester UK. If you are a good Document Controllers, Purchasing Manager, Electrical Engineers, Water treatment chemical engineers, graphic designers, Hotel project architect supervisors, civil staffs, mechanic engineers, lobby agents, Doctors/Nurses,Sous-chefs, Help desk, Accounting clerks, Waiters/waitress,House-person,Pool Lifeguards, Event coordinators, Sales managers, Bartenders, Maintenance staff, Banquet servers,Stewards,and also House -keepers’ etc, then you can apply to get more information now. To show your interest and receive full employment general information, then kindly e-mail the Golden International Hotels Manchester UK management back with your full (CV) in Word Format along with an application cover note letters at ( for review. Please do not hesitate to contact us for any inquiries or feedback. Regards, Golden International Hotels Manchester UK CEO/Director:Prof,Mr.George William General Manager:Mrs.Janet Michael. Human Resources Manager:Mr.Emmanuel John. Golden International Hotels Manchester UK Hrs. ©2018 All Rights Reserved”

Please note that this hotel does NOT exist. The Golden International Hotels Manchester scam has been going for some time. More information on

The Golden International Hotels website has been copied from Club 7 Beach Resort in India. Manchester, strangely enough, is not located somewhere on a Greek island. It’s rather grubby up North in comparison.

This is the usual scam where you will most likely be asked to pay a small fee to cover permits, etc. and then hear back zilch, nothing…

In Europe, as we have pointed out numerous times, you do not pay to get a job. Even work permits are organised via the employer. If you are asked to pay anything you can bet that it is a scam.

The chance that you will get a low skilled job with a work permit attached is well below zero. Generally spoken only specialists that are in very high demand might be able to obtain a work permit. As unemployment levels are very high in Europe, Europeans need to be employed first. Only when a company can prove that nobody with a particular skill set can be found in Europe are they allowed to recruit from outside Europe.

Reasons to Hire an Immigration Consultant

Applying for a visa to live and work in another country is a daunting, often long-winded process. Many people find themselves bursting with over-confidence and feel that a simple Google search will help them fill out extremely complex or lengthy application forms.

For simple visitor visas, this may not be an issue – but for those who wish to stay in another country on a permanent or long-term basis, hiring an immigration expert to help oversee the process is highly recommended.

Read more to understand the key benefits of hiring a consultant to help handle your visa application.

Attention to detail

Just one small error on your application form can result in visa rejection, which, in turn, leads to delays and in many cases, a loss of total payment. With the costs of visas steadily increasing, it is simply not something you can afford to take risks with.

As such, hiring an expert in immigration is beneficial, since they can guide you through the application process, ensuring you fill out all aspects of the forms correctly.

Cost and time savings

Of course, hiring a consultant to help you out will incur a fee, but overall, the amount you pay could be far greater in the long run, if you were to make mistakes. Simply making a small error, like applying for the wrong type of visa or in the wrong category can delay your application for several months. Moreover, government agencies may charge you for making these minor mistakes, or can force you to repeat the entire process.

Hiring an immigration consultant who has been through the process thousands of times and has a wealth of experience will save you copious amounts of time and make the situation as hassle-free as it can be.

They can support you

If English is not your first language or you are somewhat overwhelmed by the prospect of speaking to a government official, your immigration consultant can support you and help stand up for your rights in the face of any problems.

Additionally, if your personal circumstances or the visa requirements were to change, it is your consultant’s job to keep you up-to-date and guide you through the changes necessary for a successful application.

They uphold your personal privacy

Plenty of online resources, like official governmental websites and immigration forums, are available to offer application advice and to gain insights from real people in similar situations. However, there are occasions where you might not feel comfortable asking personal questions regarding your immigration situation on public forums.

Questions which relate to your family life, employment status, criminal record or medical conditions are highly personal and require privacy. Immigration experts have a duty to keep the information their clients give them confidential.

They can help with an appeal

If you have submitted a visa application which has resulted in an official refusal, your consultant can help you with the appeals process, ensuring your case is properly overseen.

Immigration consultants offer a total peace of mind throughout the often daunting process of applying for visas and moving to another country. Not only do they save applicants time and money, but they are there to support clients from start to finish, all whilst upholding important privacy values.

This article was contributed by First Migration, a UK visa consultant which specialises in immigration to UK for all types of applicants.

Wlaschek International School scam

Be aware that job adverts on the internet from Wlaschek International School are fake.

They are trying to impersonate the International School in Bern, located at the same street on number 9.

The website layout, content and address is taken from other international schools.

If for example, you copy and paste the text for the section ‘Mission’ section into Google, you’ll find it was taken from the St. Julian’s School website.

Also the name of the recruiter, Mr Paulak Soaren, appears to be taken from ‘Mrs Paula Soares’, a real person who is responsible for human resources at the real school.

We have removed their adverts from our job site.

This what a the Director of the International School in Stavanger, Norway wrote about her experience with internet scammers.

How to find a job in the EU as a non-European

Non-European? Want a job in the EU?

It generally is impossible as a non-European to apply for a job in a European Union country. The EU demands that employers find someone in Europe first before they can apply to get a work permit to employ someone from outside the EU.

As unemployment levels are high in Europe, the chance that an employer will not find someone in Europe is small, therefore keeping the door shut for non-Europeans.

However, the various countries do have real shortages and publish lists of occupations for which they will allow employers to recruit outside the EU. If your job is on the list the chance that you will be able to secure a job in Europe increases.

It will require a bit of work on your side though, as you need to find the lists first and then check if your job is on the list. If this is the case, you will still not be able to apply for a work permit. This has to be done by the employer.

The recruitment process

The employer will generally conduct interviews with candidates to see if they fit their requirements. These might initially be via Skype, but will almost always be in person. The employer will generally pay for any costs of the whole process. If they need to fly you over, they will pay for the flight. In Europe the candidate does not pay anything in order to go through the recruitment process.

Be aware that if they ask you to pay for anything (fees, duties, admin costs, etc) it will most likely be a scam. Don’t fall for it!

In order to find these lists do a search for “shortage occupation list” or “skilled workers list” and the European country’s name you want to work in. This will throw up a list of sites where you will find information. Often the department of work of a country will publish this list.

Again, be careful, as there are many conmen trying to get you to pay for access to a list. Often these ‘paid for’ lists are bogus and of no value.

Examples of these lists on official websites are:

European Union

European Union (Again)


United Kingdom

Some EU countries use a points based system in order to work out if you’re able to apply for jobs in that country.



Non-EU European Countries



There are also companies that try to make money out of this. They will charge you for information that is freely available online and will help you put together a CV, but they’ll charge you. It’s up to you to decide if you think their services are worth it.


Do You Like To Travel?

Why Parcel Delivery Could Be the Right Career Path

There’s no denying that everyone likes to travel every once in a while. But for some of us, that like turns into a love, and that love turns into a want to travel more than just every once in a while. The idea of travelling as part of a job feels like a lifetime away, but it doesn’t have to be. Whether you work directly for a courier (You can see some of the most popular at or you decide to go self-employed, there are plenty of perks to becoming a delivery driver – here are just a few!

You get to travel!

Okay, so you’ve probably already worked that part out, but with a courier job comes the opportunity to travel! While some jobs might only take you from one end of your county to the other, you only have to look a little further for the opportunity to nab a job that will take you from one end of the country to another – maybe even overseas! If you have that taste of wanderlust that you just can’t shake, delivery driving can get you on that open road, visiting places you might not have even considered visiting. The best part? You’ll be getting paid to go there!

Working hours

The working hours for a delivery driver are different, but whether that’s a good or bad thing is ultimately up to you. You could have more freedom to choose your own hours, though they’ll usually average at about 30-40 a week just like any other job. Extra shifts are usually available and encouraged, so if you want to earn more money at weekends or evenings, this is just as good of a job for that too. If you work as a freelance courier, you can have complete control over how many hours you do and just when you want to do them. If you just want to work nights on the open, empty roads, then do it!

An average day in the life of a courier.

It’s important to realise what a day in the life of a courier looks like before you go ahead and start applying for the job. It might seem self-explanatory, but there is often something that everyone forgets or doesn’t realise! Every day, you’ll carry out simple tasks from collecting packages and the delivery addresses from the depot, to planning out the best routes for the packages you have, as well as collecting and signing signatures. There’s a lot of paperwork to keep track of, so you need to be organised!

The skills you need to have

The skills you need to be a courier might seem just as self-explanatory as the average day, but once again there are probably skills you hadn’t even thought of. Of course, there’s the aforementioned organisational skills, but you’ll also need good geography and navigation skills. Using your initiative when you’re travelling for long periods alone will help you stick to strict time scales, and excellent interpersonal skills will make conversing with clients that little bit easier too! It’ll also help to put across the right image for your brand! You need to be reliable and trustworthy, able to co-operate and have a good work ethic too. After all, you’ll be alone for a lot of the day, and if you can’t self-motivate yourself with a good work ethic, you’ll start to struggle.

What Is Psychometric Testing?

What Is Psychometric Testing?

Written by: Jennifer Feldman
If you are applying for a new job, you have probably heard the term psychometric testing. You may be a little bit confused, especially as employers use the term ‘psychometric test’ to refer to many different forms of assessment. This is because psychometric testing is an umbrella term used to describe all the tests used by employers to assess a candidate’s performance. The term psychometric testing includes three main branches: aptitude tests, behavioural tests, and assessment day exercises.


What Are Aptitude Tests?

Aptitude tests evaluate a candidate’s general knowledge, technical knowledge, reasoning, and skills. These tests are usually given online with time constraints. Numerical tests come in two main forms: numeracy tests and numerical reasoning tests. Numeracy tests focus on basic math calculations, while numerical reasoning exams assess more abstract math skills. Verbal tests focus on two main concepts: text analysis and linguistically-based questions. Text analysis involves reading passages and answering questions, while linguistic questions focus on word knowledge. Technical tests evaluate an individual’s technical abilities according to those needed for the specific position they are applying for.

What Are Behavioural Tests?

Behavioural tests are used to assess a potential candidate’s traits and whether they match those needed for the job. These tests are often untimed but lengthy. The most common behavioural tests are personality tests, leadership assessment tests, and situational judgement tests. Personality tests are used to create a personality profile of the incoming candidates. Leadership assessment tests focus on assessing whether a candidate has the personality traits needed to be a leader. Situational judgement tests present candidates with work-related scenarios, evaluating how they respond in each situation.

What Is Involved in an Assessment Day Exercise?

Assessment centre exercises are a form of assessment involving interpersonal interactions. The exercises vary in format from employer to employer. They may include role-playing tasks, group exercises, presentations, and case studies. These tasks are usually given under time constraints to stimulate a real-life work environment.

What Should I Do to Prepare?

It is crucial to take the time to prepare before your assessment day. This will help to eliminate stress as well as ensure your best characteristics come out. Practising online is the most effective way of preparing. When you take an online practice test, you experience the same time constraints as those on the actual exam. In the current competitive job market, you need to do everything in your power to land your dream job. Don’t miss out on a job because you did not put in the time to prepare!

JenniferFeldmanThis article was contributed by Jennifer Feldman. She is a speech and language expert and blogger at JobTestPrep. She specialises in writing about the employment hiring process.