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hello everyone its Dabney here and welcome back to learning finance in today's video guys I'm going to talk about square to understand to better understand the business itself okay so the master plan and why Kathy wood is saying that he can't destroy banks okay so the only thing I ask you is to leave a like if you find this video interesting so you're gonna help more with the Edgar it and subscribe to channel let's begin now square stock guys it looks like that is going up forever okay right now we are having a couple of days of pulled back but is not too deep okay and I'm quite sad about that because I was trying to add more shares but it looks like it doesn't did okay I bury hope so but let's see what happens okay now I did a fundamental valuation a complete analysis of the company so if you're good check it out is this one and anyway I've been reading a lot in the last days about square because when I have a stock when I bothe a stock and when I want to buy more I like to know really understand the business itself okay and especially when we go with these high tech quality stuff it's not always easy to really understand the potential of them okay because I got a degree and a master's degree in finance but when it comes to understanding artificial intelligence well it's not easy I think okay it's not easy for a lot of people there to really understand the efficiency about it and the potential about it anyway Kathy would okay so this woman right here and she is the CEO of arc invest okay and you have you see the portfolio manager Katherine Deepwood and basically in their portfolio they hold eight point seventeen percent of their money are invested in square okay you can see from here they have around four hundred seventy two point seven million dollars invested in square okay this is a video interview share it by Antony pomp lianna I don't know these guys so I have no interest in telling you about this channel but I don't care I think it is sharing good contents and it's not easy to have interviews with these people and I think he's doing a very great job to share those kind of contents okay so if you want to check this video here you understand what she thinks a little bit about the company and in this video she says that companies like square they have a competitive advantage against banks that it can destroy banks okay I would like to discuss a little bit what is this competitive advantage about okay because I think that this behind this there is the real potential of square okay and remember that arc invest they like to invest in disruptive innovation and they define those disruptive innovations as an introduction of technologically enabled new product or service that potentially changes the way the world works okay it's quite interesting and saying that it can destroy banks is a very nice and strong statement but it makes sense in in some ways ok so as I told you before in the previous video Square has two ecosystems okay two different ecosystems the seller one and the cash up now this competitive advantage that Katie was talking about is mainly based on the seller side okay and why is that now as you know if you choose to adapt square in your business you're gonna get the terminal okay so for payments and as I told you in the previous videos this terminal is very useful also for accounting basically all the transactions so payments and also your expenses to buy stuff can be stored inside this terminal okay so you have everything is there and a lot you need also a lot less or paperwork's okay so with accounting and stop like that and this is very positive and time-saving for business owner now where is this competitive advantage basically everything is based on informations ok so companies like square and also people they are able to get a lot more data compare it with banks ok so what happens is that companies like square they analyze this data with artificial intelligence okay so here it comes the thing is not always easy for everyone like hard like normal people for people that they don't work in these tech environments to understand the real potential of artificial intelligence ok so what I get is that basically with this thing is very possible to analyze data in a very detailed way that allows you to understand very better the business itself ok so what the business need and the risk of it what the business is able to make and how much are the costs how much are the profits and cash flows and stuff like that and they can see that through the continuing data stream that flows into their terminals ok so by analyzing those things with artificial intelligence and very high computer power they are able to do screenings or capital for loans that banks they are not able to do ok now to make you better understand the difference imagine that you have a business ok and you need a loan now there are two ways traditional banks or square now let's imagine you haven't adopted the square system so you have to go to traditional banks you go there and you have to ask for a loan it takes time the screening process has a cost ok they take commissions for it and you have to bring them a lot of paperwork's and data about your business about what you're doing about who you are a lot of things you can be rejected okay so that that happened you can get less that what you need because probably you're not eligible to get the full amount or you get what you need at a higher price then X facted okay probably because your risk is too high while on the other side we have squared if you have adopted the square system you have their terminal so you are feeding them with data about your business about what you're doing about transactions about how you spend how much you pay how much you get paid okay so they already know your situation and they really know that you need a loan okay it can be quick because they already have what they needed because of the screening process okay I told you they analyze those data streams and they have already an idea about your credit score and about what you need and how much you can get okay so it should be more efficient and cheap now of course that doesn't mean that they are gonna give you all the money you need but the process itself is quicker it's more efficient okay and they are promising to serve even the unbanked which in the u.s.
they are a lot okay so people they want to grow their business but they are not able to get loans from the banks Square is the answer okay and with this data analysis they can do also tailor-made loans okay so I imagine that you have their system and they see that you need something so they can also notify you without waiting for you to ask them they can also notify you to say hey we see that you need that and we can offer you this this amount at this rate okay if it is effectively cheaper than banks well the system is better okay and this is possible because this competitive advantage given by data ok the information that they are getting with their terminals about businesses so overall on the paper it looks like that Square can have the power to disrupt part of the Bank business okay which is loans and stuff like that because of course it can be more efficient now when we go to take a look they're official documents we see that right now they are only working with micro sellers okay but the idea is to move to larger sellers okay so the mid market and the small medium businesses it's a huge market and the potential is very very high do not forget that they have also the cash up which is their other ecosystem and those two things if they are able to grow their numbers of users they can cooperate together okay now imagine that you are a seller and you have a couple of employees and you have to give them a payroll okay and imagine that your employees they have the cash up so you paid them directly in the kasha and they can do whatever they want so buy new things invest and imagine that they go out and they buy stuff in another place where also this sander has the square ecosystem okay so you can imagine the cooperation between those things and the money we remain constantly inside the square systems so banks are not needed anymore if this really works ok so now of course now everything is gold we don't have to believe to everything but we here we see the potential and on the other side we have that we don't know two things the first one is policies okay so new policies they can come out given by the government and all this thing can be stopped okay or reduced okay to sort of protect banks and stuff like that this can happen of course even if they want to move to other countries these can happen as well okay bye older countries government outside the US and another thing that we don't really know is how these artificial intelligence is efficient it's not easy to really understand at which levels these artificial intelligence is it's like a new thing and it looks very promising but it is difficult to certify we real numbers how much efficient it is okay I believe anyway that the future will be bright Foursquare and I remain bullish on the company overall okay if they are able to do what they are planning to do well the potential would be very huge and it can really disrupt part of the bank system and business okay now here we have a positive feedback which I really thank you Frankie for leaving me this comment because as a community I think it's very important if you know something like it does to share and leave a comment okay now these guys here he has two businesses okay so Frankie for watching this I wish you the best and basically is saying that he has made use of their loans because of the ease of accessibility and competitive cost so not to mention the ease of repayment I didn't have to take ducks to the bank so this is what I was telling you before a quicker process okay feed the applications and stuff like that and I was just approved and notified by the system and the funds were there in 24 hours okay so this is a very nice feedback if you are having an experience with Square and just leave a comment down below a positive or negative I don't care just living it's important for everyone to know that okay so let's see how things will continue to go of course the stock remains very interesting and I'm if it goes down a little bit I am planning to add some shares okay so I hope you find this video interesting and leave me a like subscribe to the channel so you don't miss the next video and as always have a wonderful day
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