Recent Interviews

Matthew Salthouse, CEO, Kainantu Resources

Matthew Salthouse
CEO | Kainantu Resources
3 Phillip Street #19-01 Royal Group Building, 048693 Singapore (SGP)

+65 6920 2020

Interview Kainantu Resources: "We hold the key to growth in the Asia-Pacific region".

Justin Reid, President and CEO, Troilus Gold Corp.

Justin Reid
President and CEO | Troilus Gold Corp.
36 Lombard Street, Floor 4, M5C 2X3 Toronto, Ontario (CAN)

+1 (647) 276-0050

Interview Troilus Gold: "We are convinced that Troilus is more than just a mine".

John Jeffrey, CEO, Saturn Oil + Gas Inc.

John Jeffrey
CEO | Saturn Oil + Gas Inc.
Suite 1000 - 207 9 Ave SW, T2P 1K3 Calgary (CAN)


Saturn Oil + Gas CEO John Jeffrey: "Acquisition has increased production by 2,000%"

08. February 2021 | 09:27 CET

Upco International, Square, IBM - Shop like Robinhood and pay by mobile!

  • Payment
Photo credits:

Instead of using their wallets, more and more Germans prefer to use their smartphones or smartwatches at the supermarket checkout - for a good reason: It's simply faster. There's no more searching for change, and no one has to wait for change. Quick checkout at the supermarket, hotel or swimming pool has already proven its worth as a way of bypassing the queue. Mobile payments can be made wherever cash registers are NFC-enabled: Such cash registers can be recognized by the wave symbol, which looks like a WLAN symbol lying on its side. However, not every mobile payment service is suitable for every user. Upco is a small but very flexible provider that offers payment solutions via chat app and also allows crypto connections.

time to read: 4 minutes by André Will-Laudien
ISIN: CA9152971052 , US8522341036 , US4592001014



André Will-Laudien

Born in Munich, he first studied economics and graduated in business administration at the Ludwig-Maximilians-University in 1995. As he was involved with the stock market at a very early stage, he now has more than 30 years of experience in the capital markets.

About the author

Upco International - at home in the mobile world

Upco International Inc. consistently delivers good news and the share price gallops. As recently as mid-December, it stood at CAD 0.04 - now it has reached CAD 0.28. The Vancouver and New York City-based Company is a specialist for comprehensive digital services on the web and mobile Internet. UpcoPay is the name of the mobile payment platform. It is innovative, highly secure and includes a convenient direct payment solution for person-to-person (P2P) and person-to-merchant (P2M) payments.

In the current expansion stage, where a full e-wallet is now being implemented, users have many options. Users can view multiple account balances simultaneously, top-up their digital wallet with funds, process payments and initiate foreign exchange transfers instantly within the app without creating an account or entering bank details. In emerging markets, this is very important, as many customers there do not yet have a corresponding banking connection.

In connection with the implementation of UpcoPay and the final Brexit, which came into effect in January 2021, UK license holders connected to cannot pass on their licenses to Europe under current legislation. They thus cannot continue to operate as a regulated company. However, the Finnish-licensed provider "Enfuce" is available as an alternative license as a strategic partner, allowing Upco to proceed with the launch of UpcoPay in Europe as planned.

Meanwhile, the messenger has also been further developed and now offers modern end-to-end encryption and serverless network infrastructure. Messages thus remain better protected and can only be read by the addressee, while at the same time, the data volume used is significantly reduced. Users with little bandwidth in remote areas thus remain able to act. With these innovations, Upco secures its place in the less frequented areas of the world. Upco's vision remains to become a global platform for secure essential communications in the form of chats and calls and to create a safe personal environment for users to use daily. The not-so-small Canadian value has quadrupled in capitalization and now costs around CAD 15 million. Who would have believed that 4 weeks ago?

Square Inc. - The Laughing Third

What kind of a stock market month lies behind us? Well, the investment community no longer listens to analysts but follows random postings on social media platforms. The buying frenzy of "Reddit traders" ignited and pushed the neo-broker Robinhood to its limits. Only a billion-dollar injection of capital and a trading restriction in particular stocks could initially avert the impending collapse. But the drastic step of temporary usage restrictions understandably infuriated account holders - and drove them straight into the arms of the competition.

Investors fled Robinhood's online brokerage app en masse and turned to Square's alternative offering, a mobile payments platform that allows users to invest in stocks and bitcoin alongside money transfers. As GameStop's stock soared to record levels, fueled by frenzied Reddit users, Robinhood and other brokers both online and offline, put the brakes on buying the video game retailer's stock and options contracts, only allowing it to sell. Indeed a unique and very unusual intervention!

Spontaneous surveys among users indicate that Square's "CashApp" was used as an alternative by about one-third of the disgruntled customers. It remains to be seen whether this change will last in the medium term. Square was able to gain over USD 30 in price and last week again reached its all-time high of USD 246, which corresponds to a market capitalization of USD 108 billion. The quarterly numbers show strong growth of 50% and in the last quarter and it has now reached the net profit threshold. That looks pretty good overall!

IBM Corp. - The rock in the surf has to reinvent itself

The US technology Company IBM is the pioneer among computer stocks and one of the world's leading companies, especially for industry-specific solutions and services in the IT sector. In 2020, IBM employed more than 300,000 people worldwide, with around 16,500 working for the "PC dinosaur" in Germany. Hardware is no longer on the shelves at IBM; however, following the acquisition of PricewaterhouseCoopers Consulting, IBM Global Business Services is the largest IT consulting company globally, with 80,000 consultants in over 170 countries.

They support companies in nearly 20 industries, from large corporations to reliable medium-sized businesses. The consulting topics range from strategy consulting to finance, from supply chain to customer relationship and human resources management. IBM's services and consulting business now accounts for about 60% of its total revenue of around USD 74 billion.

The latest figures were somewhat disappointing, as IBM suffered a surprisingly significant drop in business at the end of the year. Revenue fell by a good 6% year-on-year to USD 20.4 billion in the quarter, and net profit decreased by 66% to just USD 1.3 billion due to high costs in the group restructuring. IBM's lucrative cloud business with IT services and storage space on the Internet also grew significantly slower recently than in the previous quarter.

IBM now wants to finally spin off its IT infrastructure business and float it on the stock market independently. The future focus will be on cloud services and business areas such as data analysis and artificial intelligence, which promise significantly more growth. Since April 2020, the share price has been trending at the USD 120 mark; from a chart perspective, it should not fall below USD 112.


André Will-Laudien

Born in Munich, he first studied economics and graduated in business administration at the Ludwig-Maximilians-University in 1995. As he was involved with the stock market at a very early stage, he now has more than 30 years of experience in the capital markets.

About the author

Conflict of interest & risk note

In accordance with §34b WpHG we would like to point out that Apaton Finance GmbH as well as partners, authors or employees of Apaton Finance GmbH may hold long or short positions in the aforementioned companies and that there may therefore be a conflict of interest. Apaton Finance GmbH may have a paid contractual relationship with the company, which is reported on in the context of the Apaton Finance GmbH Internet offer as well as in the social media, on partner sites or in e-mail messages. Further details can be found in our Conflict of Interest & Risk Disclosure.

Related comments:

02. February 2021 | 10:12 CET | by André Will-Laudien

Marble Financial, PayPal, Palantir: Fintech, Payment and Data, powerful trio!

  • Payment

Modern companies in the environment of data analysis and consumption benefit from the big online trend. In between are the payment service providers, who are developing entrances into the crypto world and are dynamically involved in both corners. Through their payment data, they know the most popular shopping addresses of their customers, which are cash for advertisers and social media platforms. Users often talk very openly about their preferences and even give free tips to other shoppers. In this way, a network of habits, trends and accurate advertising opportunities is created.


09. October 2020 | 12:12 CET | by Nico Popp

PayPal, Northern Data, BIGG Digital Assets: Who creates a 170% return?

  • Payment

We know that the future is digital, especially since the outbreak of Covid-19. While fears about the future prevail in traditional industries, business is going better than ever before for all those who are digital and adaptable. As more and more companies and consumers are realizing this, there is an unprecedented openness to new solutions. The best example is the card reader: just a year ago, it was only available in large chains or at the train station, but today you can pay with a card or smartphone at almost any bakery. One of the beneficiaries of this trend is PayPal.