Hello. My name is David Thornton.
I’ve spent the last 12 months digging into an extraordinary change taking place in the banking industry – one that’s already started making some investors some huge returns.
Now, I know that even mentioning banking is still a pretty huge turn off for most people.
And I suppose that’s fair enough.
For half a decade, there’s been nothing but bad news and controversy for the entire industry.
First it was the bailouts...
Then the PPI scandal...
Then the LIBOR rigging controversy...
But today I want to show you something highly unusual: a major OPPORTUNITY in the banking industry.
One I firmly believe could triple your money within two years... And make you a whole lot more if it really starts to take off.
It all centres on something I call ‘the world’s fastest growing bank’, or simply just the ‘mBank collective’.
New blood is practically non-existent in the banking industry.
Most of our major banks were founded when houses were lit by candlelight and horse drawn carriages filled the streets.
Some of them - RBS, Lloyds, Barclays – are older than the United States of America.
In banking, experience matters.
A new bank has to raise billions in capital, tirelessly build its reputation over many years and sway customers away from its centuries old rivals.
Setting up a bank is nothing like setting up a normal company. The amount of rules and regulations, forms and procedures that need to be followed is mind-boggling.
So although it’s one of the most lucrative industries on the planet, there is very little competition at the top. It’s just too hard for an upstart to break into.
And all the major players know it... it’s probably why they’ve become so lazy.
But recently, a new banking collective, that I call ‘the mBank’, has managed to break into this cosy little setup.
Rather than following the established path, it came at the banks from an entirely different direction.
It came through an area of the industry that none of the big four were paying attention to. At the time, no one could see how important this area could be. The big banks – the supergiants – were completely overlooking it.
Yet today, this area is absolutely essential to almost every bank on the planet.
Bank of America’s CEO, Brian Moynihan, recently admitted to investing around “half a billion dollars in the [mBank] across the last three or four years.”
And it’s all down to the mBank "collective".
Rather than teaming up to try and crush the mBank "collective", as they usually would...
Every major bank in the world is queuing up to work with it.
Yet despite the fact it operates in an industry worth trillions of pounds, you can buy into the mBank collective for pennies.
Given that, my research points to a 250% gain within two years.
That’s a huge potential profit in anyone’s book.
But as you’ll see, I think these potential gains are entirely reasonable given what the mBank is doing right now...
Unlike the ‘Big Banks’, the mBank collective isn’t the kind of institution that’s been around for centuries.
In fact, it’s not a “traditional” bank in the way you might expect.
It doesn’t have a branch on your local high street (and it never will)... it doesn’t operate cashpoints... nor does it offer regular current accounts.
And ten years ago... even five years ago... it barely even existed.
But in the last few years it’s managed to quietly establish itself in the financial industry.
It now handles around £133 billion of payments a year.
That may sound like a lot now. But bear in mind that HSBC (an industry leader) processes around £590 billion of payments – a day.
It’s essentially a starting point... a “launch pad” to grow from.
An impressive one, sure. Like I said, considering most banks have been around for centuries, going from zero to £133 billion in a few short years is great.
But here’s the weird part – at the risk of repeating myself. The banks aren’t fighting this, they’re embracing it.
Let me explain.
The mBank’s client list is a who’s who of the banking industry.
RBS was the first to crack. It teamed up with the mBank collective when it was still in its infancy, back in November 2009.
It was a full two years before any of the other big four realised just how essential the mBank would be to their business.
But by late 2011, none of them could deny it. Lloyds started working with the mBank in November of that year, quickly followed by Barclays a couple of months later.
HSBC, being the second largest bank in the world, held off for a little longer. But by last September it was all over.
And the British big four aren’t alone either. The mBank has pretty much every major financial institution in the world queuing up to work with it.
I’m talking about Visa... MasterCard... American Express... JP Morgan... Bank of China... BNP Paribas...
As I said earlier, this is a tight-knit “old boys” club. And the entire industry is accepting the mBank is here to stay.
These organisations control the world’s money, and every single one of them is backing the mBank.
In the words of Barclays bank:
“Two years ago, Barclays was doing very little [with the mBank]. In 18 months we’ve gone through an astronomical rate of growth, and fundamentally changed how people interact with the institution."
Just to reiterate what Barclays is saying here. The mBank collective has fundamentally changed how people interact with the institution.
This is an institution that has been around since 1690. And the mBank is fundamentally changing how it operates.
At the end of March this year, The British Bankers Association released a special report called “the way we bank now”.
It addressed the impact of the mBank collective on Britain’s big four banks – Barclays, HSBC, Lloyds and RBS – and concluded:
“A revolution is underway in how people spend, move and manage their money.”
Just to put that into perspective. The banking sector itself – something largely unchanged for centuries - is calling the mBank collective a revolution.
And this “revolution” is going on all over the globe, right now, as you read this.
As I said earlier, just this January, Bank of America’s CEO, Brian Moynihan, admitted to investing “around half a billion dollars in the [mBank] across the last three or four years.”
Every single one of these major banks is now working with the mBank:
And there are plenty more besides... In fact, you’d be hard pressed to find a banking company who isn’t involved with the mBank collective.
They have to be pretty sure something will succeed before they decide they want in.
The fact that they ALL now want in is a very good sign in my book.
And remember, YOU can claim a stake in this for as little as 30p – less than 1/7 the price of one Barclays share.
But perhaps the most compelling reason I’m sure the mBank will continue its unstoppable rise is this.
All these big-name banks now need the mBank to carry out much of their day-to-day business.
So what exactly is it... and why do I believe it’s going to make so much money?
I want you to imagine something for me...
Imagine you’re going to the cinema with a friend. On your way there, your friend takes out his phone. And with a couple of ‘taps’... he buys your cinema tickets ahead of time, through his phone.
That’s essentially how the mBank makes its money. The second your friend touched ‘buy’ on his phone, he used the mBank - whether he realised it or not.
Because that’s one way the mBank makes its money.
It’s just the same someone pays for their coffee with the Starbucks app. That’s the mBank, too.
And if someone orders their weekly shop using their tablet or phone, the mBank is the one making it happen.
Let’s look at the most fundamental example. Money transfers are banking’s bread and butter.
You probably know someone who’s transferred money using a banking app on their phone. You may have even done so yourself.
Every time someone uses their phone to transfer money on say, the NatWest baking app... It looks as if they’re using the NatWest banking app. But really it’s the mBank that makes it all happen.
From the outside, it looks like NatWest. But it’s all running on mBank technology. That’s the genius of the mBank.
It allows companies to use its technology and brand it as their own – and it takes a cut every time they do so.
In short, the mBank is what allows the banks to offer their customers the option to bank, save and pay for things... through their mobiles.
And right now, the numbers of people making payments on their mobiles is absolutely exploding – creating VAST sums of revenue for the mBank collective.
Which means if you invest in it now I think you’ll make a heck of a lot of money.
Mobile payments were virtually non-existent five years ago. Today they total over £133 billion per year. And they’re increasing at a rapid rate...
You’ll probably have felt this is going on already. There is no getting over the fact that smartphones are everywhere.
I’ve actually been sitting here for a good few minutes trying to think of a single person I know who doesn’t own a mobile.
And as I’m sure you’re aware, we’re using them for all kinds of financial transactions.
But let me just quickly show you the numbers that back up what you already know.
By the end of THIS year, mobile payments are projected to total over £233 billion.
And within just three years, they could top £870 billion. That’s just the way the world is going.
Just look at the blue line here on this chart, the one that’s going up at a near vertical rate.
That’s the number of mobile payments. It’s a graphic illustration of just how much money estimated to be spent using mobile phones...
Mobile payment growth 2012-2017
Source: Business insider intelligence
Just look at the line on that chart. That’s 573% projected growth in the three years between now and 2017. It’s not hard to see why this could make you a serious amount of money.
It’s also pretty much unprecedented - over the last decade ALL of the big four British banks – HSBC, Lloyds, Barclays, RBS – have actually lost money.
But not the mBank collective. It’s taking advantage of the millions of people using their mobiles to pay for things, and cashing in.
Just think about how many people you see glued to their phones every day.
You probably have friends who regularly use their phones to transfer money, buy clothes or food... even pay their bills. You might even do this already yourself.
It’s an unstoppable trend that gets stronger every day – and you can back it right now.
I predict investors who tap into this explosive growth could make a profound amount of money. And I’d like to show you how to join them.
Like I said, the banking industry has been around for centuries. It’s slow to change because, frankly, it doesn’t have to.
When you have a model that’s worked for hundreds of years, why change it?
The mBank collective has spent years developing technology to make mobile transactions possible.
It’s now so far ahead of the game it would be foolish for the big banks to try and beat it... especially when they don’t have to.
From the big banks’ perspective they simply need to rely on the mBank’s expertise.
But to be honest, they don’t really have a choice.
The mBank collective has made itself essential to the biggest development banking has seen in decades.
Customers all over the world are demanding mobile banking. And the only way to deliver it is to go through the mBank.
What this means is – as you’ll see below – from an investment point of view we are looking at a highly unusual, and potentially very profitable situation.
Believe me, there is a lot of money to be made here.
Think of it this way.
From the Banks’ point view, it’s a WIN:
They don’t have to divert their resources into developing new technologies, which would cost them millions, most likely billions.
They don’t have to worry about getting left behind as the technology advances – the mBank deals with that.
The mBank simply does what it does best (and what the banks can’t do) handles the technology. Which means...
From the mBank’s point of view, it’s a WIN:
It has the technology. It’s spent years perfecting it. But it needs the backing of the big names to make any real money – which it now has.
They don’t have to compete with the established names in the banking and payments industry because they all want it to happen.
Mobile payments and mobile banking IS the future. There is no getting away from that fact.
Which means from your point of view, as an investor, it could be hugely profitable:
The mBank collective has something that the banks need, something with unstoppable customer demand. And it’s the only game in town when it comes to getting it.
Even the biggest names in the world of business have to go through the mBank collective if they want to ‘go mobile’.
It’s not hard to see why this could make you a potential fortune in the coming years.
Like I said at the beginning of this letter, I call it the mBank collective. And that’s what it is. It’s a collective of smaller companies.
These are all innovative little companies working behind the scenes to make the mobile economy possible. I believe the vast majority of them will do very well over the coming months and years.
If there was a way of buying into this entire collective, that would be a pretty good investment. And I’d expect it to make us some very solid returns.
But the fact that there isn’t is actually a huge advantage.
That’s because it’s forced me to look at the mBank collective as a whole and pinpoint what I believe are the most promising companies.
I’ve identified the companies really pushing, and dragging the rest of the collective along with them.
They are all small. In many cases they are trading for pennies - which means they have HUGE growth potential.
This small crop is where I believe most of the mBank’s colossal growth will come from.
And these are the ones I want to show you how to invest in now.
There are two in particular I am very excited about.
I believe these two small companies could offer BIG returns in two years.
And I’ve written a special report called: How the mBank collective could make you a fortune.
It has their full details and all the research that went into tracking them down.
And I’d like to send it to you completely free of charge today.
There is a lot of money on the table here, and the time to get in is NOW.
Like I said, I believe that most of the mBank collective will do very well.
But there are a handful of specific companies within the collective that are really starting to take off.
These are the ones that I believe will make the biggest gains over the coming months and years. And here are two of the very best.
I’ll just briefly outline here why I think they are such great companies to buy into right now.
mBank play #1 – 250% profit potential in two years.
As you’ve seen, offering a ‘mobile friendly’ website is key to vast numbers of businesses right now.
That means more and more companies – not just the banks – are turning to the mBank.
And that’s where this firm comes in: It makes other companies websites ‘mobile friendly’ and allows them to take payments through mobile devices.
The bottom line is: Using the expertise of this mBank company to do all of that is FAR more convenient and FAR cheaper and FAR faster than trying to do it themselves.
It’s exactly the kind of mBank company I want to buy into.
And after a thorough analysis, I believe its share price will go up 250% over the next two years.
However, there are risks to investing in this company. Just like there are with any investment.
As a relatively new company that has yet to turn a profit, a lot depends on how successfully the service is taken up by new customers.
Recent contract delays have seen its share price fall considerably. And there's no guarantee further bad news won't send the shares further down.
However, I see this drop in share price as an opportunity. It gives you the chance to make even more profit once the shares turn around – which I have every confidence they will.
Even with these setbacks this company has managed to double its customer base in the last six months, which is very promising.
I'm confident it will hit my 250% target.
Now let's take a look at my second mBank play.
mBank play #2 – 107% profit potential.
This company is fast becoming one of the key players in the mBank revolution. That’s because it’s has solved a major worldwide banking problem.
In short, its products allow customers to transfer money both domestically and internationally, using just their mobile phones.
And at a far lower cost than traditional banking or Western Union will allow.
It already has clients in over 50 countries.
But perhaps the most exciting thing about this company is the deal it recently made with MasterCard...
This deal brings its products to 24,000 financial institutions and 1.9 billion cardholders all over the globe.
It’s a deal that in my opinion has just made it one of the most promising companies in the entire mBank collective. I’m very excited about this company’s prospects.
We should remember though that, although the mBank collective is growing at an unstoppable rate, there’s no guarantee every individual company within it will succeed.
This is a fast moving industry in its infancy. There will be winners and there will be losers.
I’ve put many months of research into this opportunity and I’m confident I’ve tracked down the cream of the crop. But it’s still a risk all the same.
Given all that, I'm expecting it to make a 92% gain within two years.
And you can get full details on both these cutting edge companies in my special mBank report: How the mBank collective could make you a fortune.
I’ll show you how to get your hands on your own complimentary copy in just a second.
These kind of rapid high potential opportunities are what I live for. They are what got me into investing in the first place.
My name is David Thornton.
For over 30 years, I have managed funds full of breakthrough companies, like the ones in the mBank collective.
I worked as a fund manager for 17 years at Henderson Global Investors. But my love has always been selecting explosive shares with the power to earn investors many times their money back.
Perhaps the story that sums my investment philosophy up best is Microsoft.
In the investment world you hear a lot about how this or that company could be “the next Microsoft”, or “the next Apple”.
The thing is... I actually invested in it. I bought into Microsoft when it was trading for around $1.
At its peak ten years later, it had climbed more than 7,490% higher.
I’m not saying I get it right every time. No one does. But tracking down Microsoft, before it made it big, really sums up the kind of companies I’m looking for.
I could see the world was changing – and I knew that investing in breakthrough technology was the way to profit from it.
I believe that’s exactly what’s happening today with the mBank collective.
If you want to make a real and substantial return over the coming months I firmly believe THIS IS THE INDUSTRY TO INVEST IN.
And here’s how you can do it – right now.
I’d like to send you my special mBank report – How the mBank collective could make you a fortune - completely free of charge.
And in return I’d like you to try out my small-cap advisory service, Red Hot Penny Shares.
You see, although I no longer ‘officially’ work in the City – I’m still immersed in the world of investment. I spend a huge amount of time meeting and interviewing company executives, crunching numbers, attending conferences – all with the aim of finding small cap shares with the potential to make big money.
But instead of investing in these shares on behalf of a fund...
I share their details directly with private investors – through Red Hot Penny Shares.
In this monthly newsletter, I hold nothing back. I explain exactly which shares I think are set to make big money, provide all my research, and outline the risks – right down to the ticker symbol you need to buy them.
It’s a fantastic way you to discover which small cap opportunities have the most potential.
When I tip a share, it enters the Red Hot portfolio – complete with a specific ‘buy up to’ price. I then track its performance. And I let you know exactly when I think it’s time to get out.
Put simply, I think Red Hot Penny Shares could have a huge impact on your investments – particularly if you like what I’ve shown you about the mBank collective (which is a classic example of a Red Hot Penny Shares opportunity).
But I’d like to show you first hand just what a valuable resource it could be for you, by giving you the chance to try the next 90 days’ worth of Red Hot research with absolutely no obligation.
And when I say try I mean just that. You’ll have a full 90 days to decide if this is right for you.
I want you to be delighted with the recommendations you receive from me. So I’m happy to let you review Red Hot Penny Shares for three months – and offer you a full refund at any point if you’re not happy.
And keep in mind: This starts with me sending you my latest report into the mBank collective, which could make you a huge amount of money.
As I said, it’s a classic Red Hot Penny Shares opportunity – and a great introduction to the service I provide.
Obviously I believe this is the single best small-cap service out there, but then I would. I run it.
However, don’t just take my word for it:
"Red Hot Penny Shares does all the research for you and seems to come up with some very good recommendations." – RG, Powys.
I’m sorry if I’m preaching to the converted here, but I’d like to raise an important issue here:
If you’re the kind of person who feels sick at the thought of making even a small loss, or you don’t have a bit of spare capital you can afford to lose…
You shouldn’t really be investing in shares. Full stop. You’d be better off putting your money in a bank account and collecting a guaranteed 2% - or whatever it is your bank offers.
All shares carry risk. That’s true of huge ‘Blue Chip’ shares like Tesco, emerging market shares, small caps – the lot. (Again, sorry if I’m telling you stuff you already know, but I need to be clear.)
And the shares I recommend are riskier than ‘Blue Chips’ – that’s the whole point.
To me that’s the only way you make high returns. High risk, high reward. That’s at the centre of the Red Hot Penny Shares philosophy.
I don’t even bother recommending a stock unless I’m confident of a sizeable return within two years. That’s what this kind of investing is all about.
I’m telling you this purely so you come in with your eyes open: If things don’t go our way, you could lose some or even all of your investment.
And because not many people look at these smaller shares, they can be quite ‘thinly’ traded. They’re not the kind of shares everyone knows about and trades regularly. This can sometimes make them a little difficult to trade.
There can be a big difference between the buying and selling price (bid/offer spread). So if you need to sell soon after you’ve bought, you may make a loss – even if the share price has gone up slightly.
Again, that’s part of the trade-off – it’s what creates the opportunity to buy businesses with great potential at lower prices.
But here’s an idea:
Why not try ‘paper trading’ my recommendations? That means you don’t buy them with real money – you just watch them to see how they perform, to make sure you’re comfortable.
I think paper trading is a great way of getting started. It means you cannot lose any money.
And coupled with the fact you can get a full refund on Red Hot Penny Shares any time in the first 90 days... it means you literally cannot lose.
Doing things this way means there is zero risk to you.
Let me quickly show you what you’ll get when you join.
Let’s keep this simple:
Claim a 90-day no obligation trial run of Red Hot Penny Shares by clicking on the link at the end of this letter.
Within minutes I’ll send you a private password so you can access the very latest issue, my portfolio of 20+ growth stocks.
And your exclusive members-only report: How the mBank collective could make you a fortune.
I’ll also send you a detailed report on all the risks you should know about when investing in these types of stocks.
Then, I’ll send you the following:
These monthly newsletters are where you’ll discover my latest small cap recommendations – shares that could make you 100%+.
All good investors stay up to date – and that’s exactly what my Thursday emails will help you do. I’ll update you on all the shares in the Red Hot Portfolio.
As I’ve said,the good news is you can try Red Hot Penny Shares without committing a single penny.
The official fee is £97 per year.
Let me put that into context for you: I know some fund managers who charge that for TEN MINUTES consultancy.
But just to sweeten the deal, I’d like to offer you a 50% first year discount on that official price. (Bringing the price down to less than £1 a week).
And don’t forget you’ll have a full 90 days to decide if this is for you.
Even if you decide you don’t want to stay on, you can keep my mBank report.
Oh, and I should mention, there are a couple of other very useful things you’ll get free when you take a trial today:
Free subscription to The Penny Sleuth my twice weekly growth stock e-letter.
FREE Guide #1: “How to Buy and Sell Shares For Profit”. This short guide answers the most common questions beginners have about buying and selling shares.
FREE Guide #2: “How to Make Big Money in the Exciting World of Penny Shares”. This book explains exactly how I go about my analysis. It’s yours whatever you decide.
These two guide books will follow in the post within 30-60 days of you taking up your trial.
And keep in mind:
You’ll get your free report – How the mBank collective could make you a fortune – sent to you immediately.
And you’ll get access to every other potential-packed stock in my entire portfolio.
At absolutely no obligation for you to stay on.
I really don’t think you have anything to lose by taking up my offer...
It’s your call.
Until next time,
Red Hot Penny Shares
P.S. The thing about this story is you can see it growing with your own eyes – every single day.
People are doing more and more on their mobiles. Paying for things is just one element – but it could be very lucrative for you:
Every person glued to their phone walking down the street...
Everyone using their tablet to browse the internet on the train...
Everyone buying apps on their iPhones...
The mBank collective is helping make all this possible.
IMPORTANT RISK WARNINGS:
Before investing you should consider carefully the risks involved, including those described below. If you have any doubt as to suitability or the taxation implications, seek independent financial advice.
General - Your capital is at risk when you invest in shares, never risk more than you can afford to lose. Past performance and forecasts are not reliable indicators of future results. Bid/offer spreads, commissions, fees and other charges can reduce returns from investments. All gains are gross, and returns will be affected by dividends, dealing costs and taxes.
Small cap shares - Small company shares can be relatively illiquid meaning they are hard to trade and can have a large bid/offer spread. If you need to sell soon after you bought, you might get back less that you paid. This makes them riskier than other investments. Small companies may not pay a dividend.
Taxation - Profits from share dealing are a form of income and subject to taxation. Tax treatment depends on individual circumstances and may be subject to change.
Editor: David Thornton. Editors or contributors may have an interest in shares recommended. Information and opinions expressed do not necessarily reflect the views of other editors/contributors of Fleet Street Publications Limited.
Full details of our complaints procedure and terms and conditions can be found at www.moneyweek.com
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This promotion was last updated on 4th August 2014.
1. British Bankers Association calls this a revolution: BBC, "BBA launches major new work on digital banking", 31/03/2014
2. Bank of America's CEO invested half a billion in this: Seeking Alpha, Bank of America q4 2013 earnings call transcript
3. HSBC processes £590bn of payments per day: Siemon, "Latency in financial market networks", accessed 19/06/2014
4. RBS was the first to crack: deadlinenews.co.uk, 11/11/2009
5. Lloyds started working with mBank in 2011: Lloyds TSB regulatory news, 07/11/2011
6. Barclays followed on a couple of months later: The Telegraph, 16/02/2012
7. HSBC began using mBank in 2013: HSBC newsroom, 17/09/2013
8. Mobile payments are expected to total over £233bn this year: BI Intelligence, "Mobile will shape commerce and payments" 06/11/2013
9. You can get in for as little as 30p: Company X bid/mid/offer spread as of 04/08/2014: 29p/30p/31p