5 Finance Trends For 2019

There are all sorts of aspects that can be debated and discussed endlessly, but it is certainly hard to deny one specific fact: the world of finance is always changing. This is due to various factors, such as economic trends, the fact that technology is advancing faster than ever, and also because there are always new assets and industries for individuals to invest in. Many are wondering what will happen in 2019, and here are some trends that might end up shaping up how the year proceeds.

Of course, there will be no need to actually tell which trends end up strengthening, or which might end up being replaced by another technology, or feature. However, these trends certainly are emerging, and will certainly play a role in the short-term future of finance, if not the long-term future. Here are some finance trends that johnftocci.com believes will be essential for 2019, and possibly beyond.

Artificial Intelligence

artificial intelligence

One of the biggest technology trends that can potentially disrupt every sector imaginably is artificial intelligence, and the finance sector is no exception. In a sector where emotions can mean the difference between profit and loss – it’s obvious to see why artificial intelligence might be advantageous. Consider this: one of the world’s largest and most respected financial institutions is JP Morgan Chase. In 2012, one of their most well-known traders lost over $6 billion in a massive trading loss.

While this is a massive loss, it certainly wasn’t enough for anyone to question the overall success of JP Morgan Chase. However, it could be argued that artificial intelligence can help to prevent human errors such as this, even though the company went out of their way to ensure that the loss was buffered in many ways. The company went out of its way to use strategies to offset the loss, that is still infamous to this day. Christopher Whalen at Tangent Capital Partners also believes that it is clear that JP Morgan Chase did everything that they could to hide the loss, stating: “I think they did as much manipulation as they could have to hide the loss. Some businesses were strong, but I don’t think they would have tried so hard to boost earnings if the London Whale didn’t exist.”

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While it will obviously cost a certain amount of money to shift in terms of technology, it is estimated that artificial intelligence will actually help the finance industry over $1 trillion by 2030. It’s not easy to see how these costs will be saved. For example, imagine how decades ago, an individual would have to deal with a human being for every financial transaction. These days, between using a phone number or an ATM machine – many of these interactions are less necessary. In addition, the fact that there are banking apps that also use AI will make it so that banks save a massive amount of money in overhead, as well. The bank will not have to employ as many cashiers and tellers as a result, which means that they can save in terms of operating costs.

One great example is that Bank of America is already utilizing Erica, a chatbot that implements artificial intelligence, in its banking app. Unlike brick-and-mortar locations, users can access this feature 24/7, which makes for much more convenient customer experience. Wells Fargo has also been vocal about how it plans to explore artificial intelligence, as well.

In addition, with regards to hedge funds – artificial intelligence will play a huge role. Unlike many other sectors; artificial intelligence can actually apply to trade without any human interference. Aidyia is a Hong-Kong based hedge fund that already is utilizing artificial intelligence. The chief scientist and co-founder of the hedge fund, Ben Goertzel, is open about this fact, stating: “If we all die, it would keep trading.” It’s obvious that artificial intelligence’s role in the finance world is just beginning, and it should be interesting to see how this trend continues.

The Workforce Is Changing


The finance industry certainly isn’t going anywhere by any means, but that doesn’t mean that those who choose to work in the industry might have different priorities. For those who are unaware, the United States is the largest economy in the world. Guess what is the largest percentage of the workforce in the United States now? You may have guessed it because the term is everywhere: millennials. While there are some that consider millennials to be impatient and entitled, thanks to lists made at Buzzfeed, for example – that certainly doesn’t mean that they aren’t important. For those that aren’t aware of the term – a millennial is an individual who was born between 1980 and 2000. Johnftucci.com understands that the finance world is changing, which is why we are dedicated to elaborating on just how quickly and dramatically these changes are happening.

Money is important for everybody. There is no denying that, and there aren’t many people that would try to. However, one aspect of millennials that is interesting is that they are seeking more jobs that are able to be “purpose-driven”, meaning that they wish to work somewhere with principles that align with their own. In fact, when millennials are surveyed, they often speak about how they want to make a positive difference in the world and work at a company that aims to do so, as well. This certainly has implications for many financial firms, companies, and organizations, who might need to pivot to make sure that their message and objectives are more purpose-driven. In fact, they are even willing to compromise financially to know that they are making the world a better place. Susan Sobbott at American Express elaborates on this concept, stating: “Millennials are seeking work with meaning beyond just making money, and they’re willing to make trade-offs to achieve their own definition of success.” It’s hard to deny the overall growth of remote jobs, as well.

It’s also estimated that by 2020, 40% of the workforce will be part of the gig economy. Considering that this is over ⅓ of the workforce – the finance industry will have to figure out how to deal with these millions of workers. More workers than ever today are hoping for a flexible schedule, and make that a priority. This also might end up saving money for companies, who are sometimes able to not only hire freelance workers at lesser rates but also can access skills that their workforce might not be familiar with. It isn’t hard to tell that the attitude of constantly going into the office daily isn’t as essential these days. More millennials are placing emphasis on spending time the way that they want to, whether it involves family time or wanting to travel. This shouldn’t come as much of a surprise, given the fact that millennials are spending money on experiences more than objects these days.

The finance industry will have to figure out how to appeal more to remote workers, or those who might not want to work within a set schedule. American Express is a company in the sector that seems to already understand this.


Technology truly has made our lives more convenient than ever, even if it has its drawbacks. In 2019, we can order quality products and have it delivered to our doorstep within 24 hours. We can communicate in real-time with people all around the world, and create content that could potentially lead to a living. This obviously wasn’t an option decades ago.

Finance truly is positioning towards the mobile sector. For example, in areas where countries are trying to focus on digital payments rather than cash payments, apps provide a way for individuals and businesses to conduct business when cash might be more of an issue. Many would never have guessed that the taxi industry would be disrupted by a mobile app, but Uber has proven that it is one of the most valuable startups in the world.

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There are mobile apps that offer some amazing features, as well. There are mobile banking apps that allow users to take a photo of a check, and it will deposit into their checking account. A user can even notify their bank that they are traveling just by moving their hand on their phone! Whether you are attempting to locate ATMs, track your spending, or more – it is clear that financial institutions are taking the mobile apps very seriously.

There are also more individuals that might even start paying with their phone than using cards, for example, and many believe that mobile payments will be huge in 2019.


More emphasis will be placed on cybersecurity when it comes to the finance world, and it’s with good reason. The truth is that no matter how well-known or powerful a company is – there seems to be nothing stopping the fact that cybercriminals can access private data. There are some data breaches that don’t end up being a huge public concern, while there are others that end up with actual crime being involved, records being sold on the dark web, or identity theft and consumer fraud. For those who think that it can’t happen to them – consider this: the 2013 Yahoo hack affected a staggering 3 billion users. When you consider that there are somewhere around 7.7 billion people on Earth – it’s easy to see how this is a significant data breach.

The scandal that unfolded in 2018 regarding Facebook and Cambridge Analytica also showed people just how easy it is for their information to be used to influence a presidential election, which is why the topic of cybersecurity and privacy is more sensitive than ever. Equifax is a consumer reporting agency that also is a source of very sensitive data, as well, and also suffered a hack, as well.

It’s no secret that there are many financial institutions that are investing in cybersecurity, and why shouldn’t they? If they don’t, they risk their reputation and their assets. It will certainly be interesting to see which banks are able to truly emerge in terms of being the “safest” bank. The beauty of banks being involved in every sector in the world is that they could actually invest in developing new cybersecurity technology, and they could then potentially sell or license the technology to the competition, as well. The global cybersecurity market is worth billions, and there is no doubt that it will continue to be a massive factor throughout 2019 and beyond.


Blockchain technology has garnered a lot of attention thanks to the cryptocurrency markets. While there are many in the finance world that might downplay the importance of bitcoin – others truly believe that cryptocurrency and blockchain are the future. In fact, thanks to the fact that JP Morgan Chase has actually launched a cryptocurrency – don’t be surprised if more financial institutions decide to jump in the space. Why wouldn’t they? The potential for blockchain technology is quite immense.

For those that are unaware, blockchain is a technology utilizes distributed ledger technology and is called blockchain because information is recorded on “blocks”. The blocks are not only transparent for all to see, which means increased transparency but also are secure and resistant to modification in a way that no other technology has achieved.

There are all sorts of banks that are already exploring blockchain. For example, PNC Bank, which is a top 10 bank in the United States, is using Ripplenet, as well as other companies such as American Express and Santander. While there are transactions that would take days or even weeks otherwise – blockchain allows these transactions to happen in real-time, and with much lower transaction fees. For an idea of just how revolutionary blockchain can be for finance, consider this – over $700 million was moved for less than a penny recently, using the Ripple token (XRP).

There are many governments that are exploring how blockchain could help make their operations more efficient, as well. Some of the most powerful banks in China, one of the world’s superpowers, already utilize blockchain technology, even though they have cracked down on the cryptocurrency sector overall. Because blockchain is known for its integrity, the city of Zug in Switzerland has already utilized the technology for voting purposes, and Iran is apparently looking to see whether they could revamp their financial infrastructure with the technology, as well.

Blockchain has been a “buzzword” for some time now, and given the fact that it can disrupt various sectors in terms of transparency and efficiency – don’t be surprised when it becomes a big finance trend in 2019, as well.


It’s obviously very hard to tell the future. Paul Krugman once said that he believed that the Internet wouldn’t have more of an effect on the economy than the fax machine. Does this mean that Krugman was actively trying to throw off human beings, and prevent them from discovering how immense the Internet would be for the economy? Of course not – he simply was wrong about the sector.

One thing is for sure – human beings need finance, but that doesn’t mean that it won’t change dramatically. We all know how much the workforce has culturally changed, and there appears to be a lot of distrust surrounding Wall Street that can still be traced to the 2007-8 recession. Some believe that the millennials simply lack trust – but do they have a reason? After all, Facebook is everywhere – boasting not millions – but billions –  of monthly active users, and we have now seen that it can influence the election of the president of the United States. Similarly, it seems like some of the most powerful corporations in the world get hacked. Why should anyone feel as though their information is safe? This is why cybersecurity and blockchain are sure to play an integral role in the future of finance. With more of our time than ever being spent on mobile apps, it’s obvious that finance would cater to that trend, as well.

Artificial intelligence is definitely something that is hard to predict, of course. We do know that Elon Musk is certainly worried about it, which certainly is something that we need to worry about, considering that the military could use it in ways that could lead to a potential world war. Stephen Hawking, who is widely considered one of the most brilliant human minds of all time, also believes that we should be concerned about the sector, as well. Of course, in terms of finance, there are certainly people that are worried – probably that a computer or algorithm might be able to trade better than them, and take their jobs. However, as of right now, that isn’t exactly occurring in finance, and there is no need to worry about AI in terms of “replacing jobs” in the sector.

However, financial firms certainly might have to do things differently if they want to appeal to the millennial sector, who increasingly want to work on their own terms, and with a purpose. This certainly doesn’t mean that they are lazy or entitled, but simply means that companies in finance should find a way to channel that energy and passion into new initiatives, whether it involves mentorship, social impact, or some other aspects. Time will tell to see just how finance changes in 2019, but tune into johnftocci.com to stay on top of the latest news and updates.

Forex Guide

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When it comes to making money, people often think of a job. Jobs allow people to trade their time for money and happens to be what most people do. The problem is, you have only 24 hours a day, and not all of these hours can be spent working. Forex, on the other hand, is a business model that allows your money to work for you 24 hours a day.

Owning a business is the next reasonable way to make a living, but not everyone has an entrepreneurial spirit. Besides, business requires you to tie up most of your liquidity in inventory, supplies, labor, rent, etc. Anyone who does not already have a lot of money will need a loan, which charges interest.

Luckily, trading the foreign exchange market can be a reasonable and profitable way to earn an income. Forex (foreign exchange) trading is a popular method to make money using the money you have. It allows you to work from your computer, set your hours, and be in charge of yourself. The forex lifestyle is fun and can become your next opportunity.


Unlike a job, forex has no earnings cap. Forex trading is the process of buying or selling currencies to make money. Primarily, people will trade currencies to make money in the forex market.

The currency market can be a long-term solution to earning extra income. What forex traders do is use real money combined with technical analysis on a forex pair. After the review has been done, they will use their forex broker to make an educated decision on where to enter a trade, hoping to make a profit.

Forex and Casinos

Now, if you have never heard of how a casino makes money, you will be shocked. A casino offers people the opportunity to gamble their money with the hope of turning a profit. This is done through table games, slots, and more.

Casinos have what is known as the house edge over a game. Basically, on each contest, the casino will win more than 50% of the time on any game. Using basic mathematics, you will realize that a casino is not concerned with short-term losses. They are in it for the long-run.

Forex traders can learn a lot from casinos. In forex, you should not be worried about being correct 100% of the time while trading. A common misconception is that the only way to be profitable trading forex is to be right, but nobody is right 100%. In reality, forex is not about being right; forex is about being profitable. 

How to Trade Forex

The first thing any forex trader should have is an internet connection and a computer. You will also need some cash to start trading on your account with, so make sure to have around $100-$1000, to begin with. If you do not have the money, to start with, consider a demo account as this will allow you to use the trading platform without any risk. A demo account can be a great way to learn.

Risk: Reward Ratio

A risk: reward ratio is a ratio that will define how profitable you will be trading the market. Before entering a trade, you will have to decide how much you are willing to risk to gain a certain amount.

For example, if I have three risks: reward ratio, this means that for every $1 I risk, I have the opportunity to make $3. As a rule of thumb, I keep my risk: reward ratio at a minimum of 5, meaning at a minimum, I need to be right two out of ten times to break even.

Positions Trading

In simple terms, positions trading is when you set a stop-loss and a take-profit order based on your risk: reward ratio. I use TradingView connected with Forex.com to do all my trading. Combined, you can easily set your positions with the designated risk: reward ratio.

With positions trading, you are setting entry to the order first. This is where you first decide if you are going to buy (go long) or sell (go short) on the trade. After this, you will set your stop-loss and take-profit orders based on the risk: reward ratio.

Almost every broker will let you choose the appropriate risk: reward ratio. This is not something you need to worry about. What is more important is that you set the positions accordingly, and do not move them.

The reason you do not want to move your positions after setting them is that you are playing probability. If you only need to be right two out of ten times to break even, it will be hard for you to lose money long-term. However, if you start moving your positions, you mess with probability.

Technical Analysis

Technical analysis is where people use charts, indicators, patterns, to predict where the next move is. Using technical analysis, traders can give themselves a profitable edge over the market. Like a casino, this is the way traders can give themselves an advantage. When it comes to how to make money trading forex, technical analysis is what most people struggle with.

The critical part of using technical analysis is not to rely on one indicator or too many indicators. Babypips.com did a cool article about this, but indicators by themselves are usually not profitable. Forex is something that requires a strategy, not just one indicator will unlock the benefits of forex.

Instead, indicators should be combined with patterns and other technical analysis to develop a strategy. The strategy I use utilizes a combination of three components of technical analysis. Simple chart patterns such as the head and shoulders pattern, Elliot Wave Theory, and double tops are the first component.

Head and Shoulder Pattern

Head and Shoulder Pattern

Double Top Pattern

Double Top Pattern


Elliot Wave Pattern

Elliot Wave Pattern

The next component I use is the chart overlay Fibonacci retracement. Fibonacci numbers give great points to enter and exit trades on and are critical to the Elliot wave principle. Elliot waves tend to bounce off of Fibonacci retracements, so this is a good point to set your entry orders at.

Fibonacci Retracement

The third component I will use is the RSI indicator. This indicator will let me know if the market’s trade volume is currently overbought or oversold. If all three of the components signal an entry, I will place my trade using a risk: reward ratio of 5.

RSI Indicator


Knowing all of this, you can make a decent income. I have now shown you my strategy and explained how to be profitable trading forex, so my suggestion is to go use a demo account. A demo account will let you test these strategies before ever using your own capital.

You can use forex.com to start trading with a demo account and see how profitable you can be using this strategy. You can also check out a few of my other articles such as:




affiliate marketing


Everyone loves the idea of using their social media presence to generate income for themselves. With successful affiliate marketing, social media can be an excellent platform for spreading your affiliate link. Affiliate marketing is a great personal online business strategy that you can develop. This type of business does not require a whole lot of startup costs. The focus is more on marketing, and less on business strategy.

Twitter can be an essential tool for anyone looking to make extra income from twitter affiliate marketing. Affiliate marketing allows influencers to earn a commission for products they promote through an affiliate link. The job of the influencers is to spread their affiliate link using their social media presence and influence to generate sales.

If you are new on Twitter, it will be hard to earn any profit through affiliate links. At this point, it will be much more important to grow your following than it will be to sign up for an affiliate network. Investing in promotion, putting out relevant content, and building your brand should be your priority.

Affiliate Marketing

An affiliate link is a link that a company will give influencers to get free exposure in exchange for a commission on the sale to the influencers. If you have watched YouTube, you will probably see YouTubers promoting products or services with their sign-up link in the description.

Usually, the link will give you an exclusive discount on the product or service. The consumer benefits from a premium, the business benefits from free marketing, and the influencers benefits in the form of commission. Affiliate marketing has become such a big market that businesses cannot afford to ignore.

How to Get an Affiliate Link

If you have a sizeable social media following already, it is time to get sponsored through an affiliate program. Look at your analytics and see what your audience has an interest in searching. If you look at your audience, you will see a few things. Gender, age, interests, and more.

I have a strong male social media following between the ages of 18-25. I used this information to contact Tiege Hanley, a men’s skin care system and offered them my platform in exchange for an affiliate link. With this link, I can market a product I use regularly and earn an income using my Twitter.

Next, you want to make sure the companies you reach out to are high-quality companies. The last thing you need is to promote a product that is of low quality and destroy your online reputation. Use Google to find reputable companies and products to get an affiliate program. Here is a list of a few companies you can promote based on niches:

Dollar Shave Club – Male Demographic

Bluehost – Technology Demographic

Amazon – All Demographics

Bovada – Male Sports Demographic

Using Twitter Marketing

Now, after you have an affiliate link, it is essential to start spreading this link. You will want to use your social media to begin spreading this link. Twitter, Facebook, YouTube, and Instagram, are great platforms for affiliate marketing, but the one we will focus on is Twitter.

The reason I like to use Twitter is that I have had the most success on this platform. The way I use Twitter to get sales is to tweet relevant information to my product with my affiliate link. Suppose I post an article pertinent to men’s skincare, I will put my affiliate link in the tweet also.

Something like “Check out Tiege Hanley, the most uncomplicated men’s skin care system out there. Use promo code: JOHNTOCCI for 20% off your first order! Link: http://bit.ly/2I2cnJr” works perfectly. It is short, to the point, and advertises your product.

First, on a regular schedule, I will retweet this tweet during the busiest hours on Twitter. I check my analytics to find the best time to post. The best time to post is when your followers are most active, allowing for more impressions on your tweet. The more reactions your tweet gets, the more sales are likely.


Using Twitter to spread your affiliate link is a task that requires a lot of time. You will need to build a sizeable social media following, but once you have a platform, you now have a money-making machine. Your Twitter should be able to work for you and earn you passive income through affiliate marketing.

The more sales you get, the better your income will be. If you haven’t already, start researching some target-marketing techniques to help optimize your posts for your niche. Doing whatever you can to help get more sales is vital to your success in affiliate marketing.




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