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De Giro Stock Exchange Brokers And The Giro Eft



When it comes to investments, stocks and shares are some of the best securities where a person can invest. There are many stock exchanges where you can find amazing companies that sell stocks to interested investors. Stock exchange business can make the people have improved and advanced ways to earn money and have better long-term returns. 

With the stock exchange, stock exchange brokers are equally important for the investors. de giro is considered to be one of the biggest and faster-growing stock exchanges in Europe. This is an online stockbroker and it separates itself from the other stock exchanges because it can offer the investors an incredibly low rate of commissions at the time of trading and exchange.


You will find that trading can be done at low fees by helping an online broker DEGIRO. Investors can get worldwide trading in stocks, securities, bonds, funds, debentures and so much more. With DEGIRO, the investors can rest assured that their money and funds will be safe and all the investments will be carried out securely. The stock exchange uses an entirely separate custodian entity that will take hold of the assets of the investors. This means that the assets of the investors will be segregated from the assets of the stock exchange.

Degiro supplies the clients with some of the most developed and advanced browser-based HTML trading platforms that are developed in-house. They are developed for desktop as well as mobile devices. This will feature the free and real-time streaming prices that are found on certain European stocks. The platform will also support the combined orders and spread portfolio compilation. The company will also announce the plans for the fractional investing that is investing in the fractions of products and services. 

What is de giro ETF?

ETF is also known as an exchange-traded fund. This is a stock exchange product that will follow an index, stock, commodity, bond, and the composition of products. The investors can also consider it to be a fund of securities. This product works differently than the other stick exchange products. ETFs can be bought and sold on the platform of the stock exchange. The ETF performance will follow the price movements and they will keep in mind the underlying products that are in the funds.  De giro ETFs can be extremely profitable to investors because they have several advantages. The major advantages can include trading flexibility, a wide and extensive market exposure and the best benefit is relatively low costs.

Know de giro tarieven

DEGIRO online stock broker generally uses a pay-per-use kind of policy when it comes to pricing. This will means that if the investors use a specific kind of service, they will be charged a certain amount of fee and they will not have to pay any additional fees as payment. At present, the investors have to pay the connection fees of only €2.50 each year for every exchange. London Stock Exchange is an exception to this. 

The investors setting up an account will also be not charged any fees when they sign up.  The Giro payment and Transaction fees are also the commission fee that is used for making trades by using the DEGIRO account.  DEGIRO has a very good connectivity fee that is used to set up many kinds of trading opportunities. This shall also offer access to a huge number of exchanges. Additionally, it will also offer technical support across Europe, Asia as well as North America. A fee will be charged to the people who use the exchanges.

De giro pensioen

The DEGIRO account users can create a pension account with the stock exchange. You can choose some of the best discount brokers along with the broker for stock trading. They are available for people from many regions.  The platform is continuously and consistently campaigning to allow the pensioners to get the pension payments through the giro anytime they want.

There are also reports that state that the receipt of the giro payments shall start to get the letters that will include the information about the phase-out. It will also encourage the users to create their bank accounts. However, the letters do not consist of the tender that will offer a suitable or equivalent replacement for the girls. The pension will be completely safe with the giro account. 

Stockbroker services also have many benefits. Many individuals, investors, businessmen, traders can use the help, assistance, and guidance that will be helpful in the management of their funds. Stockbrokers are well-regulated professionals that are also referred to as the registered representatives. You can also contact a reputable stock exchange if you want to invest in stocks in a manageable way. 

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5 Best Features Cab Service Should Have




The taxi industry has grown to play a significant role in a highly competitive market, not just among taxi firms but also among limousine businesses. At last, the ground transportation industry has looked to its customers for solutions. 

Today, business owners actively monitor customer satisfaction to improve their services and identify ways to keep the customers happy without worrying about the risk of switching companies on a whim.

Taxi and limousine companies face strong competition, as is the case for all types of transportation. Taxi services are under continual pressure to monitor the market for the newest trends and incorporate them into their services. That makes logical sense. Everyone should put the satisfaction of their consumers first.

We are in a new era in terms of invention and technology. The services offered today to improve our lives as vehicle services do. With so many benefits to customers, taxi services are growing in popularity.

With a reliable cab service, you’ll not only arrive on time, but you’ll also save time and money. Taxi service providers must keep their facilities current to attract as many customers as possible.

Here is a list of the top 5 taxi services you should have on your service menu:

  1. Providing Door-To-Door Taxi Services

Most taxi services are single-party transportation, which has been the case for decades. Once door-to-door transportation was introduced to the market, customers realized they were better off with such convenience. Taxi companies like queens cab service are top-rated for this service.

Customers who use the door-to-door service can pick up more friends or family members along the route to their destination or extend their journey time entirely without worrying about paying additional fees or becoming annoyed with a snappy driver. The straight-to-the-destination approach leaves little room for customization, so this is the better approach.

Door-to-door services also comprise “taxi butler” services. For quick and reliable transportation of their customers and employees, hotels, restaurants, bars, business centers, and malls are thankful for “exclusives” with ride-hailing companies.

One click is all it takes for them to order your ride-hailing service. Businesses and taxi companies benefit from this as more people use their services. Additionally, clients who enjoy their experiences with your taxi service are likely to request it again.

  1. Essential Safety Measures

Because they are practical, taxis and cabs have become more common in the modern day. The ride doesn’t have to be stressful because you can sit in the backseat. Thus, safety becomes paramount, so you should seek out drivers who have received proper driving training.

Public transportation’s first and greatest objective is to ensure the safety of its passengers. Customers should be able to trust a quality taxi service to have all the safety features in place. Customers must also pay attention to these safety features before they board the cab. The taxi service must have fundamentally safe seat belts. Make sure the driver is qualified to handle any situations that may emerge during the trip.

  1. Cabs with Wheelchair Access

If you want your taxi company to score highly and keep your clients happy, having a fleet of vehicles and a trained crew equipped to assist the disabled is crucial. Everyone has been waiting for wheelchair non-emergency transportation to become a component of taxi services.

Most of your consumers won’t utilize your wheelchair taxi service unless you operate a field-focused, medical transportation taxi service, but those that do will stick around if you provide them with great prices.

  1. Hourly Service

Hourly service is becoming increasingly popular with taxi customers who frequently travel for work, have out-of-town clients, or need to take care of many things around town.

Naturally, the service isn’t limited to business reservations alone; many consumers rely on hourly service to go to their preferred bars, restaurants, cultural attractions, entertainment venues, athletic events, or other locations. Although hourly services are the norm for taxis, some taxi companies provide hourly bundles that give the customers reasonable discounts that pay off over time.

Additionally, scheduling an hourly service in advance ensures that you are completely covered. Calling a taxi and expecting the firm to have a car accessible at all times is a stretch. However, scheduling an hourly service in advance relieves this burden.

  1. Cab Accessibility for Seniors

One of the greatest things we’ve seen in the taxi industry is designing a taxi service exclusively for the elderly. It is excellent to have kind and knowledgeable taxi drivers assist the elderly with their tasks and provide the unique sort of care they require.

The elderly and their caregivers benefit significantly from this kind of structured service. Some taxi firms even provide older people discount booklets that include a variety of privileges. After all, client happiness is everything.

Final Thoughts

These are the most common services customers expect from taxicab companies. If you own a taxi company or plan to start one, include these five services on your list. To meet their daily transit needs, more and more people are turning to public transportation to meet their daily transit needs. This is why there has been a rise in cab companies recently. You will not only save time and money by using a good taxi service, but you will also arrive at your destination on time.

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What is Driving the Demand for Body Sculpting in Toronto?




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Body sculpting consists of a range of procedures that aim to reduce or eliminate fat cells in targeted areas of the body to reshape or contour an area. Non-invasive body sculpting techniques allow providers to tailor treatments to your unique needs.

The North America Body Contouring Devices Market is forecasted to expand at a compound annual growth rate (CAGR) of 14.6 percent between 2021 and 2028. Some non-invasive body contouring methods include cryo lipolysis, injection lipolysis, radiofrequency lipolysis, and laser lipolysis. Toronto is one of the many locations where body sculpting has gained popularity. So, what’s driving the demand for these procedures?

Introduction to Versatile Devices

As mentioned above, a wide range of non-invasive body contouring devices are available in North America. The introduction to these versatile devices allows Toronto residents to learn more about each procedure and try the ones that suit their bodies and aesthetic or medical needs.

The body contouring devices market is forecasted to expand over the years, which may indicate that more people believe in the effectiveness of these treatments. The access to a range of treatments allows people living in Toronto to test out the methods and determine if they are the right fit for their needs.

Access to More Clinics

Since body sculpting in Toronto is becoming increasingly popular, more clinics are opening to meet the growing demand. The availability of more clinics also increases awareness of the methods available and may drive more people to the body sculpting market.

As more clinics offer the treatment, they’re likely to spend time training their staff and ensuring that the procedures are safe for the patients. This can help potential body sculpting candidates to test out different clinics, compare prices, and pick the one that suits their needs and budget.

No Downtime After Completion

One of the greatest things about non-invasive body sculpting methods is that most of them require no downtime. The procedures are generally short and don’t require rest for recovery, allowing patients to resume daily activities after completing their session. This can attract more people as it won’t hamper their daily life or interfere with work or other schedules.

Although there is no downtime associated with body sculpting, it may take the body several weeks to display the full treatment results. The results timeline can vary depending on the type of procedure you choose.

Increased Health Risks Due to Weight

According to Statistics Canada, the total population of increased health risks due to excess weight increased to 63.1 percent in 2018, based on the height and weight reported by Canadians. The rise in health risks associated with extra weight could concern many Canadians.

Although body sculpting procedures aren’t a solution for dramatic weight loss, they can help people target stubborn fat in specific body areas that could motivate more people to invest time and money in their overall health. If body sculpting allows people to witness a reduction in fat in one area, they may feel the need to focus on losing overall weight by following a healthier lifestyle.

Body sculpting is becoming increasingly popular in Toronto due to the availability of procedures, clinics, and awareness of the treatment. If you’re considering body sculpting, speak to a renowned clinic to weigh your options and find the best treatment for your individual needs.

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Studying lean manufacturing? Eight online tools and resources you’ll need to excel in the industry




In the present competitive global markets, a manufacturing company’s survival depends on how rapidly it can respond to changing customer requirements. Currently, the industry standard is to produce the products exactly on time, in the required quantity and quality, and with the lowest cost to be competitive, while generating a certain profit for the company.

To achieve this objective, the company must pay special attention to reducing production costs and the costs of implementation of subsequent operations that add value to manufactured products, thus creating a value stream. The concept and practice that allows these improvements in production processes is lean manufacturing (LM), which began in the 1950s and refers to a series of methods, philosophies and tools to minimize waste and maximize production. 

What is lean manufacturing?

In the world of manufacturing, most of the emphasis is put on operational efficiency. Lean manufacturing, also called lean production, was originally created by Toyota in the reconstruction period after the Second World War. 

Lean manufacturing is based on the idea of eliminating or minimizing any waste of resources (workers, materials, energy, etc.) in the production value stream of the industry. Any resources, activity or task that does not add value to the product is considered waste. In lean manufacturing, this waste identification, elimination or minimization is considered at every level and each step of the manufacturing process – i.e., design, manufacturing, distribution, customer service and end-of-life disposal. 

This article introduces you to what lean manufacturing is, the common lean principles, tools, methods and techniques used by manufacturers that have implemented lean manufacturing into their manufacturing processes, and what you need to do to excel.

Types of waste 

The quintessence of lean manufacturing is the elimination of all types of ‘waste’ occurring in the manufacturing organization. The waste elimination or minimization leads to a shortening of the time between idea to finished product to the customer, increases productivity and reduces manufacturing costs. The implementation process of lean manufacturing requires the identification of ‘waste’. 

In lean manufacturing, waste is classified into seven types: overproduction, inventory, errors and quality defects, waiting times, over-processing, unnecessary transport, and unnecessary movement. 

Overproduction is the production of more products than required. It is the most dangerous type of waste because it translates into high costs in materials, energy and storage, and is the beginning of other wastes. 

Inventories refer to the excess stock of raw materials and components, more work in progress and more finished products than the required minimum. Storages of inventories can lead to damage or destruction of materials/products. 

Errors and quality defects are probable and have a negative impact on the quantity of completed products. 

Waiting time is the time lost in waiting for a product. It may be workers, materials, information or tools in the manufacturing process, and it is a cost.

Over-processing steps are sometimes necessary to add value to meet customer demands. This waste is understood as spending unnecessary time on the implementation of customer demand and the use of complex and expensive technologies without rationalization. 

Excess transport is unnecessary movement of materials, semi-finished or finished products within the company. This leads to larger production costs and increases the risk of damage to the product and transportation costs.

Unnecessary movement or non-value-adding motion results most often from the inadequate design of a product and the workspace layout. 

The techniques, tools and principles of lean manufacturing offer systematic methods to organizations that can be utilized to minimize waste within a manufacturing system. It allows companies to reach operational efficiency to get ahead of the competition. Industry trends reflect that companies that have adopted lean manufacturing principles tend to be faster in their product development by up to six months and stay 35% closer to products’ target costs than their competitors.

There is an abundance of resources available online about techniques, tools and principles of lean manufacturing, and if you want to excel in the field, you can study these through online courses such as a master’s in lean manufacturing. 

Lean manufacturing principles

There are seven fundamental principles of lean manufacturing, with waste management being one of them. In order to excel in lean manufacturing, understanding these lean manufacturing principles is essential for any organization. The seven principles are briefly explained below:

  • Optimize the whole

The sequence of activities required to produce a product or provide a service to customers is known as the value stream. The value stream should be optimized to deliver as much value to customers as quickly as possible. In terms of lean manufacturing, this means that the company should create a seamless productive system on the shop floor as well as optimizing efforts across knowledge workers – engineers, developers, and others.

  • Eliminate waste

As mentioned above, waste in lean manufacturing is anything that doesn’t add value to the product for the customer. This may be anything that needs investment in the form of money, time or even talent. It can include a process, activity, product or service. If it does not create any value for the customer, it is considered a waste. 

Eliminating waste across the value stream helps the manufacturer to create processes that require less human effort. In addition, these new processes also need less space, lower capital, and less time to deliver products and services at less cost and with fewer defects.

  • Build in quality

Lean manufacturing focuses on practicing the principle of ‘build in quality’ in the process and product for sustainable growth. This requires standardizing all practices and automating hazardous, tedious and repetitive processes to minimize human errors. This leads to error-proof value streams, reduces risks and time to market, and focuses efforts on creating value for the product.

  • Deliver fast

The ‘deliver fast’ principle of lean manufacturing is that the faster delivery to customers provides quicker learning from customer feedback and a better ability to improvise and produce exactly what they want. Reducing development and manufacturing time and delivering new products or features quickly are essential for sustainability. 

  • Create knowledge

To optimize the whole process, the lean principle of ‘create knowledge’ is important. The organization creates, compiles and analyses the results of small incremental experiments and generates the learnings. According to the lean principle of create knowledge, there must be suitable infrastructure to properly document data and retain valuable learning, and utilize them to not repeat mistakes.

  • Defer commitment

The lean principle of ‘defer commitment’ is based on utilizing up-to-date, relevant information available to make informed decisions. With this, lean manufacturers can have higher agility and the lean organization functions as a just-in-time system.

  • Respect people

The ‘respect people’ principle is concerned with all stakeholders. The respect for the customer brings in decisions that will minimize waste; the respect for employees-employers creates an environment that allows everyone to give their best at work; and the respect for co-workers optimizes processes that allow everyone to contribute the most they possibly can.

Global manufacturing organizations often have people belonging to different cultures and backgrounds and speaking different languages. For creating a healthy, safe and innovative workplace, it is essential to keep respect at the forefront of every interaction. This way, organizations will be able to retain and attract the best talent in the field.

Methods and tools of lean manufacturing

Details about some of the lean manufacturing tools are given here. To excel in their use, you can pursue a master’s in lean manufacturing or utilize the online resources that are available. By learning these tools and methods, it is possible to excel in lean manufacturing.

  • VSM (value stream mapping) 

VSM is a tool widely used in manufacturing enterprises for graphically mapping material and information flow for a production system. VSM shows all the tasks undertaken in the manufacturing process, starting from the procurement of supply materials and finishing with the delivery of completed products to the customer. With this analysis, companies can identify all the types of possible waste in the process. They can also offer suggestions for further action in order to eliminate them. It is useful for identifying overproduction and inventories. For VSM, a software package is there, which is a visual lean tool to help organizations optimize manufacturing and production.

  • 5S (Five S) method

Another method used for the analysis of production processes in lean manufacturing is 5S, which focuses on workstations. The name 5S comes from the first letters of the five Japanese words Seiri, Seiton, Seiso, Seiketsu and Shitsuke, which translate to organize, tidy, clean, standardize and sustain, respectively. It is a step-by-step method to increase productivity efficiency, improve safety and reduce waste. The 5S steps help to minimize multiple types of waste and are as follows: 

Seiri (organize/sort): The first S implies eliminating clutter and unnecessary items from the workspace to ensure better use of the working space. Manufacturers can organize in such a way that movement is minimized, and all the tools and equipment are placed in areas close to where they’re required.

Seiton (tidiness/set in order): The next S states that “there is a place for everything, and everything is in the right place”. This will reduce unnecessary movements that may be performed when things are not in the proper place and will eliminate errors resulting from mistakes of using the wrong item.

Seiso (clean/shine): This S relates to cleanliness and sets out the standards to maintain clean workstations. Cleanliness can identify and eliminate the causes of machine and product failures, reveal any hazards, create a better working environment, and increase productivity. Safety at the workplace is directly related to workstation organization and cleanliness. 

Seiketsu (standardize): Standardize all work processes and implement them so that any worker can step in and perform the job. This sets rules for the first three Ss. A standard systematic procedure ensures repeatability.

Shitsuke (sustain): The final S is the discipline to constantly maintain and reinforce the previous four Ss and act in accordance. It is considered difficult and long term because this requires changing the habits of both production workers and management.

The 5S method does not require a large financial investment, and it allows the creation of the working environment. It is the first step in giving employees a sense of ownership in the workplace. Implementing 5S reduces costs through getting rid of unused materials, tools and equipment, and organizing, which frees up space. Less storage space not only reduces space costs but also improves material organization and decreases the costs of cleaning, maintenance and space conditioning.

  • TPM (total productive maintenance)

TPM is a tool that lean manufacturing uses to eliminate waste associated with manufacturing machines. It integrates all employees to maintain production continuity. It focuses on increasing the efficiency and productivity of machinery by a marked decrease in the number of failures, reducing short downtimes and idle time. The 5S system is the basis of total productive maintenance. 

  • Kanban

Kanban is a Japanese method of production control. To detect and avoid any problem in the process, lead time and cycle time are measured in different sections of the process. A digital Kanban board is a visual production system, a lean tool that helps visualize and improve processes so as to eliminate waste.

  • Kaizen philosophy

Kaizen philosophy is the concept of continuous improvement, with a constant search for ideas to improve all areas of the organization. It requires the involvement of all employees and operators up to the highest level of management. In practice, Kaizen is collecting and implementing ideas of employees, which serve to improve the organization and the production process. 

  • Poka-Yoke

Poka-Yoke is a method of preventing errors arising from mistakes. It is considered as a tool that guides operators to avoid mistakes. It reduces or eliminates product defects. 

  • The five whys 

This is a simple but effective thinking tool that helps to make sure that the true root causes are accurately identified.

  • Andon 

This lean tool is for visualizing information and empowering people to act upon that information.

In conclusion

Modern manufacturing value streams are more and more software-dependent, and lean manufacturing refers more to the deployment of knowledge workers, using lean principles to work smarter, innovate faster, and deliver more to customers. Lean manufacturing is making manufacturing companies more attractive places to work. 

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Breaking into business analytics




The industrial sector has developed dramatically. Technology has played a critical part in how businesses operate, with many organizations having to accept information technology to stay relevant in the current industrial climate.

Today, information technology has become an integral aspect of every business. Integrating technology into business operations has proven vital for efficiency, and innovations such as business analytics lead the charge.

Business analytics is a process by which businesses utilize statistical methods for analyzing historical data. This analysis assists businesses in solving problems, gaining new insights and making data-driven decisions. Business analytics relies on critical methodologies such as data mining and predictive and statistical analysis to transform data, identify patterns and make strategic business decisions.

At present, businesses have access to a hoard of data. Business analytics offers an effective way of understanding the context of this data and transforming it into insights that are useful for productivity.

As you would imagine, the role of a business analyst in a company is critical. Some responsibilities that come with the part include:


  • Identifying new business opportunities
  • Managing essential business processes
  • Executing technical solutions
  • Engaging in risk and reward assessments

In truth, business analytics impacts all aspects of a company. As a result, it requires some fundamental technical and soft skills.

Business analytics skills

In most professions, different skills are classed under two categories: technical and soft. Understandably, certain technical and soft skills are also relevant to carrying out business analytics processes.

Technical skills

This covers the specialized expertise required to perform specific analytical functions. Technical skills also represent how well analytics tools and programs can be utilized in real-world situations.

As an aspiring business analyst, several technical skills should be developed for accurate and impactful analysis:

  • Statistical analysis software

Statistics and probability are indispensable in business analytics. Having a good grasp of basic mathematical processes helps to understand data better, identify critical insights and make relevant predictions

Statistical analysis software such as Excel, SPSS and SAS are essential analytical tools. With these tools, analysis can be performed on historical data efficiently and accurately. There are many other statistical tools, but Excel, SPSS and SAS are some of the most prominent ones.

  • Standard query language 

The world is filled with data, and businesses have access to this data. Hence, there’s a need to quickly and accurately retrieve this data. That’s where this skill comes in. SQL is a programming language specially engineered to work with massive databases.

A business database contains a plethora of historical data. SQL helps to identify and retrieve specific data based on particular conditions from the database. Currently, there are different database management systems such as MySQL, MSSQL and Oracle. They all, however, follow an underlying syntax, making it easy to understand and practice.

  • Programming skills

Programming languages have also been a high-demand skill for business analysts. This is because businesses generate data in huge volumes. Thus, programming languages serve as efficient tools for coping with data. The most relevant languages in business analytics are R and Python.

These programming languages make it easy to transform a dataset by changing its structure, format or values. Python, for instance, offers updated libraries that help manipulate extensive, unstructured data.

  • Data visualization

A key aspect of business analytics is communicating analysis with stakeholders, most of whom are entirely new to the process. For this aspect, data visualization is a practical skill for sharing your findings with an audience unfamiliar with complex analytical techniques.

As a business analyst, you should understand when to use a graph, chart or dashboard to represent data. Power BI and Tableau are some of the most used visualization tools.

Additionally, a business analyst should also have relevant business knowledge of the organization and its operational processes.

Soft skills

In contrast, soft skills represent personal attributes. These are specific competencies that foster effective interaction with others and greatly impact how you work. For a while, there have been arguments that the term ‘soft’ naturally devalues the importance of these skills. Nevertheless, these soft skills are just as important in business analytics as technical skills.

  • Communication

We have previously touched a little on communication and the need to share analysis results seamlessly. Communication is an indispensable skill to have in the workplace. The ability to communicate effectively is also key for starting and maintaining a career in business analytics.

  • Critical thinking

Critical-thinking skills represent the ability to break down a problem into stages, study each stage and identify patterns. This is an essential aspect of business analytics and an important skill for the role.

Some other important soft skills for a business analyst include teamwork, time management and problem-solving.

How to get into business analytics

The demand for competent business analysts is on a constant rise, and for now, there are no signs to suggest that it will slow down anytime soon. Organizations are increasingly looking for ways to innovate business processes. As a result, analytical and programming skills have become notable across the business scene.

With business analytics offering so much promise, here are a few steps to becoming a competent business analyst:

  1. Obtain an undergraduate degree

A good business or computer science background is a strong starting point. A typical method to get this is obtaining an undergraduate degree in business or analytics.

While this is not precisely a determinant in breaking into the field, prospective business analysts can do with the knowledge of statistics, information technology, analytics and data science processes.

  1. Engage in online training, internships and certifications

These days, employers have generated a growing interest in certifications. Certifications serve as a recruitment strategy for hiring high-standard professionals. Most certifications for business analytics are preceded by online training. Some necessary certifications include the CBDA, PBA and business analyst master’s program.

Internships also provide work experience essential for practicing and developing relevant skills.

  1. Obtain a master’s degree

A master’s degree is also a great way to break into the business analytics field. In this regard, Aston University offers an MSc Business Analytics program for individuals looking to understand how to use data for strategic decision-making.

Aston’s distance learning MSc Business Analytics program welcomes all professionals looking to develop technical skills in business analytics.

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The North American Markets Embracing Real Estate Technology




At one time, buying a home looked pretty much the same wherever you were in North America. Whether you found yourself buying a sprawling estate in Southern California or a studio flat in New York’s Upper West side, you could count on a standardized process.

There was only one problem: it wasn’t necessarily a process that favored the consumer. Defined by inconveniences, opacity and costly third parties, the old way of buying and selling real estate was monolithic and manual.

Real Estate Technology

Thankfully, that’s changing now – at least in certain markets. The meteoric rise of real estate technology (“proptech,” for those in the business) has fundamentally reshaped how certain markets approach real estate transactions.

This article charts the rise of real estate technology, revealing its demographic trends and geographical adoption. If you don’t count yourself among the consumers living in one of the markets listed below, don’t worry; odds are, these industry-disrupting innovations will become the norm, regardless of location, in the decades to come.

The Real Estate Tech Boom

For roughly two decades, the real estate industry has been adopting technological elements, concepts and tools – slowly, sometimes begrudgingly. However, in the last few years, the momentum and influence proptech has gained has been significant. Real estate technology is currently experiencing a meteoric rise in both popularity and sheer innovative strength.
Real estate digital marketplaces, AR/VR property touring, blockchain transactions with smart contracts, proptech mortgage lending, rent-to-own digital platforms, and many more innovations are sweeping across North American markets, leaving an indelible mark on the industry.

Embracing Real Estate Technology – along Demographic Lines

Proptech pops up everywhere in North America, and its proponents belong to no homogeneous demographic group. Nevertheless, some experts are seeing trends in who uses real estate technology.

Regan McGee, the founder and CEO of real estate digital marketplace Nobul, acknowledges that “millennial first-time home buyers are our target demographic.” He adds in his interview with Yahoo! Finance that “first-time millennials are going to generally tell their parents about it.”

Vice President of, Patrick Pichette, is similarly focused on how millennials use technology. He tells Real Estate Magazine that “there’s a difference in how these demographic approaches buying and selling – they’re starting their research earlier. They’re hungry for information and looking at the process for buying real estate.”

Other sources suggest that proptech adoption is happening – or likely to happen – across demographic lines. This Forbes article contends that “proptech isn’t just a fad, but instead, an industry staple — regardless of the generation.”

Embracing Real Estate Technology – A Geographical Breakdown

It’s tempting to believe that all millennials – indeed all generations of homeowners – embrace value-driven technology at the same rate. However, that’s simply never been the case. Historically, large cities, coastal areas and (for lack of a better term) technologically progressive markets tend to be more open-minded and adoptive to new tech.
Here’s a quick geographical breakdown of some North American hotspots for real estate technology.
Toronto: Home to the corporate headquarters of Nobul (mentioned above) and a bevy of other proptech companies, Toronto’s diverse, tech-forward population has been quick to adopt real estate innovations.
San Francisco: The Bay Area is infamous for its adoption of all thing’s tech, and proptech is no different. As you might have guessed, Silicon Valley is a dominant seat of real estate tech in North America.
Miami: The Southern Florida city embraces the real estate digital marketplace, AR/VR tools and blockchain technology with impressive ease and frequency.
Austin: It isn’t just coastal American cities adopting proptech; the tech-progressive Texas city is home to Homeward, Ojo, Orchard and many more companies.
Seattle: Silicon Valley’s sister to the North, Seattle is similarly enthusiastic about technological innovation. Notably, the city is home to online property reseller Flyhome.
These are just a few of the geographic markets quick to adopt real estate technology. As mentioned in the introduction, expect to see proptech extend its influence in the following decade.

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