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.

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.


OT International takes over

One Terrene International, will be taking over as of 01 November 2020.

After running for 25 years as an independent company, Harmen Rijks, the founder of the site decided that it was time to hand over the baton to Mario Efthymiou, president of OT International.

One Terrene International, in short OTI, is the parent/umbrella of an international network of organisations involved in adult education and youth work in a variety of fields in Europe.

The organisation was born in 2009 in London, UK and in 2011 in Cyprus and now its network has spread out to more than 14 countries including but not limited to Greece, Italy, Hungary, Romania, Slovakia and other OTI locals in EU and non EU countries. The organisation has strong partnerships with Eastern European Partnership countries and EUROMED countries as well.

The organisation has been very active in Youth in Action from 2009 and is very active in Erasmus+ Projects since its start in 2014 for all Key Actions youth and adult education. The organisation also selects schools and informal groups that consist of students and teachers from schools as partners in order to influence the school education format, and encourage teaching methods to involve non formal learning methodologies in their curriculum.

The organisation has also been very active in Europe For Citizens programmes and twinning with municipalities and organisations with Italy, France, Bulgaria, Spain, Latvia, Estonia, Greece, Slovakia, Romania, Hungary and Cyprus.

Their projects include young people, youth workers, profesionals and participants of any age. They include participants with fewer opportunities and give emphasis on projects that empower minorities and inclusion for people with disadvantages.

OTI has experience in developing methodologies that enhance and develops the following skills:

* Empowering youth abilities and skills
* Awareness for Active Citizenship, balance of responsibilities, obligations and rights of European Citizens.
* Self Confidence building and Employability (CV building, Public Speaking etc.)
* Entrepreneurial Trainings, Skill Development and Workshops
* Non Formal Learning Methodology development and simulations
* Peace Building and Conflict Resolution Projects
* Intercultural Exchanges and awareness projects for understanding differences and gaining respect of these differences.
* Environment and Sustainability

OTI and its network have successfully realised more than 80 mobility projects, proving that the quality of the offered programmes are fruitful, fun, progressive and creative.

Another scam….. ‘Emmily’ this time

We were alerted to another scam doing the rounds.
Do NOT reply to “emmily-eurojobs8798-dot-com”. This is a scam where they will try to charge you money for nothing. How do we know? Loads of typos, fake e-mail address, fake postal address, asking for money, unsolicited email, non-existing procedure. Just have a read through our other scam posts and you will see what they’re always trying to do. Once you know, you can spot them from a mile away. (And stay that far away from them as well)

On Saturday, 23 May 2020, UK Recruitment Teams <office @ > wrote:

UK Recruitment Welcome to your professional futureDear XXXXXX,Greetings from your account manager!  We are very happy to have you as one of our candidates.We would like to welcome you to the big family of the workers abroad who have been able with decent reward for their work to earn a better life for themselves and for their family in the conditions of the developed Western society!We hope that all procedures will end successfully and we will soon have the pleasure to welcome you personally here, in the European Union.I am here to guide you through the whole procedure, I will help you around the whole process.We will invest a lot of effort and money in order to have a successful ending.I expect seriousness from you, considering that we are a very serious company working worldwide.I would like to receive feedback from you so that we can ensure that we have provided your understanding and have started working on your application.Now we need to activate your application.I would like to inform you about the procedure:FIRST STEP: You should send to me your freshest CV (Resume) and Diploma (or last school certificate, or Transcript of Records)SECOND STEP: Our recruitment team looks at your application, and you receive either a Written Invitation email or a rejection email. Before you start the process, you must be aware of and agree with the following: you will have certain expenses for the preparation of your personal documents. The total cost of all expenses covered by you (this is about services that you will eventually use from other companies – preparation of documents and courier services) is 40-45 euros.  We don’t expect you to pay immediately for these services but please, be prepared to do so when your application reaches the respective stage (after receiving an invitational letter).  NOTE: In an emergency, such as a pandemic Corona virus situation:In the event of a positive answer / approval of the application, the applicant may leave and start work once the borders of the country (for which he / she is applying) are opened (if previously closed) for access by foreign nationals. Despite any quarantine, the applicant is free to apply for any job (admissible under state regulations) and to negotiate with the employer to start work in the future – when the quarantine is over.Of course, settling all the documents, getting a work visa and getting started is not sudden. It takes time. Time during which the quarantine will be removed and everything will go as before the virus. We advise you not to delay – get started on your work transfer now.Do you have any questions? Please do not hesitate to contact me.If you agree with the terms and conditions, let me know and I will activate your application immediately.Sincerely Yours,Emmily
Account ManagerUK Recruitment UK Recruitment European Office: 1 Canada Square | London | The UK | ______________________________________________We kindly ask you to let us know in case that you have refused to continue, for one reason or another. This will give us time to launch the candidacy of another client of ours who will take your place: Unsubscribe from our service using the link below.

Stay home and meet online top international Masters programmes on May 26th, June 4th and June 9th

Are you passionate about making a difference? Start planning your future while staying home.

Access Online Masters еvent gives you the opportunity to explore graduate school options in your dream field of study now in a safe digital environment. The Access Online team will guide you to meet virtually with admissions advisers from the best Masters programmes for you.

Some of the world’s leading universities will be available to introduce you to their best graduate programmes on:

May 26th

June 4th

June 9th

What can you expect from the online event?

  • Individual video meetings with school advisers from London Business School, Modul University Vienna, Business School Lausanne, and many more
  • Personalized consulting session with Access Online Masters advisers
  • Win a free trip to the school of your choice at a time convenient for you
  • Receive 66% discount on a subscription to Digital Edu learning resources platform

+ Win a free trip to the school of your choice at a time convenient for you

This online event gives you a safe space where you can be productive, make new connections, and get to know leading Masters programmes from around the globe.

What makes a Masters degree valuable?

Earning a Masters degree shows that you are a problem-solver and a team player – qualities which are highly desired by employers. Whether completed abroad or in your home country, an international Masters degree will give you a head start to your dream job, career progress and the confidence to make a difference in your field.

Save your spot at this free online event. Sign up now because meeting slots are limited. Get started today on Access Online:

Top tips for finding a job in your second language during the coronavirus pandemic

The global jobs market is just that – global. These days, workers can land roles in other countries with relative ease, provided they have the right tech and good enough language skills.

This remains the case, despite the coronavirus pandemic. That’s because remote-first employers don’t tend to require their staff to travel to work. They employ people who work from home and who excel at organising their own time productively, so the COVID-19 outbreak has changed very little in terms of that aspect of their operational procedures. 

The translation and localization industry

Consider the translation and localization industry. Translation agencies employ linguists based around the globe, all working remotely. Those translation companies haven’t stopped hiring as a result of the novel coronavirus outbreak. In fact, many are busier than ever, particularly those that offer medical translation expertise.

Employers in the translation and localization aren’t the only ones who are currently recruiting. Companies around the world are hunting for those with the right skills at this very moment. And, given the global nature of this jobs market, using your second language might just be the way to get a foot in the door.

Using your second language

Does knowing a second language help you get a job? It certainly does. Being able to speak a second language fluently means that you have vastly more job opportunities available to you. This is particularly true if one or both of the languages that you speak is one of the world’s most spoken languages.

Say your first language is English and your second is Spanish. If you speak both fluently, you can apply for any job that matches your skillset in either the English-speaking or the Spanish-speaking world.

Using translation to polish your second language

If you speak a second language well but not fluently, there are still plenty of ways to secure a position that uses that language. You just might need a little help along the way.

Say you speak Spanish as a second language competently but not quite fluently. In that case, it might be best to call in a translation company for a little support in terms of your CV and/or online profile. You might not need a full English to Spanish translation service but having a professional linguist on hand to give your resume a final polish will certainly help to ensure that you make the right first impression.

The same is true with job applications and speculative emails to companies that you would like to work for. They need to be word-perfect, so use a professional translator to double check their accuracy, just to be on the safe side.

Once your superbly written resume and introductory email have secured that all-important interview, it’s time to ensure that you shine, despite not using your native tongue.

The coronavirus outbreak has meant that many interviews are now conducted over the telephone or by video call (as has been the case with remote-first employers for some time). In both cases, you need to ensure that you speak your second language clearly and calmly – this is not the time to get flustered and dry up while searching your memory banks for an obscure word!

In the days before the interview, slowly and clearly talk out loud (either to yourself or anyone who cares to listen!), running through everything from your past career experience to your future ambitions and why you think you would be a good fit for the company conducting the interview. Focus on speaking at a calm pace and annunciating clearly.

Finding a job in your second language can be an incredibly rewarding experience. Don’t let COVID-19 stop you from doing so!

Author bio

Louise Taylor is a freelance writer who has been working from home for much of the past decade. Her experience spans everything from overseas property PR to the translation and localization industry.

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.

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.