2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3
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Transcript of 2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3
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Branch Internet Mobile Digital
Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1
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Second Chapter
What is a Financial service
startup and what does
Fintech mean?
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Brett King – Speaker, Author, Radio Host, Innovator & Founder of Moven Chris Skinner – Digital bank guru, Speaker, Author & blogger Matthias Kröner – CEO @Fidor Bank Michal Panowicz – Former Managing Director, Marketing & Business Development @mBank, now @Nordea Bank
I NNOVATORS
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PIRANHA?
F INTECH
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• Citazione Dimon Sees
“WHEN I GO TO SILICON
VALLEY…THEY ALL WANT
TO EAT OUR LUNCH. EVERY
SINGLE ONE OF THEM IS
GOING TO TRY.”
JAMIE DIMON - CEO JP
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Banking
PoS
Electronic money
Payments Lending
Insurance
Personal Finance
Advisory
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Banking
PoS
Electronic money
Payments Lending
Insurance
Personal Finance
Advisory
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Fintech
Start up
Digital
Leaders
BANKS
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Online + Mobile + Alternative deposit - 17%
Alternative payments + issuance fee reduction - 6%
Direct/peer to peer mortage providers - 5%
Price comparison portals + fee reduction - 3%
Fonte: Accenture «Everyday Banking» Research, 2014
Payment &
credit cards
Deposit &
current
Account
Lending
Asset
management
IMPACT OF FINTECH ON BANKS’ REVENUE
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3.000 STARTUPS WORLDWIDE
3 BILLIONS US$ INVESTED
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Fintech - Pagamento
1. PAYMENTS
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Fintech - Advisory
• Personal capital
2. ADVISORY
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Fintech - Lending
3. LENDING
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P2P MARKET WORTHS A TRILLION US$
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Fintech - Lending
WHY SO HAPPY?
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Fintech - Lending
9 BILLIONS US$ VALUATION AFTER IPO
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Fintech – Scoring & Funding
4. LOANS
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5. CROWDFUNDING
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6. SERVICES
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7. BIGDATA
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FINTECH’S STRENGTHS
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BETTER
STRONGER
FASTER
CHEAPER
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“IF SOMETHING IS IMPORTANT ENOUGH, EVEN IF THE ODDS ARE AGAINST YOU, YOU SHOULD STILL DO IT.” ELON MUSK CEO TESLA & SPACEX
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P2P LENDING
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Traditio
nal le
ndin
g
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Traditio
nal le
ndin
g
Lend
ing
a
mong
st
frie
nd
s
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Traditio
nal le
ndin
g
Lend
ing
a
mong
st
frie
nd
s
Risk
P2P
lend
ing
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Fintech - Lending
US$ 9.000.000.000
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Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
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Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
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Fonte: Lending memo, http://www.lendingmemo.com/ su elaborazione Investor relations 2014 di Wells Fargo e Lending Club
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FINTECHS HAVE LOWER COSTS
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https://www.lendingclub.com/info/statistics.action https://www.lendingclub.com/
FINTECHS USE DATA. BIGDATA
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US$ 1.000.000.000.000*
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WHAT IF WE PUT MONEY IN P2P PLATFORMS?
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Fintech - Pagamento
PAYMENTS
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+
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+
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SP in the next 5 years…Worldwide!
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BANKING
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“WE BUILT AN INDUSTRY ON THE PHYSICAL DISTRIBUTION OF PAPER IN A LOCALIZED WORLD, AND WE’RE NOW HAVING TO GET TO GRIPS WITH THE DIGITAL DISTRIBUTION OF DATA IN A NETWORKED WORLD.” CHRIS SKINNER
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Fidor e M. Kroner + slogan
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Fidor: from latin fidere, «you can count on it»
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Fidor Bank: «Banking mit Freunden»
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“THE FIDOR SMART ACCOUNT KILLS THE TRADITIONAL BANK ACCOUNT, LIKE THE SMARTPHONE KILLED THE MOBILE PHONE” M. KROENER - CEO FB
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1. COMMUNITY
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2. COLLABORATION
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3. CROWDFUNDING
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4. P2P LENDING
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5. SOCIAL NETWORK
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6. PAYMENTS
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FINTECHS HAVE LOWER COSTS
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Traditional Bank vs
Average cost for a KYC Customer
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LESSONS FROM F INTECH
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CLEAR VISION
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SMART STRATEGY
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UX AS A VALUE
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Design-driven change management
Loan process in 30 s?
Organisational
change
Business IT
Risk management
Legal
Compliance
Security Audit
Supervisor
ZBP
Others
DESIGN-DRIVE CHANGE MANAGEMENT
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OPEN ARCHITECTURE
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LEAN APPROACH
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Ok, but how can
Banks take
advantage of
Fintechs?
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Interested?
Don’t miss on slideshare the third chapter of
Branch, Internet, Mobile, Digital
that explores some of the smartest strategies
adopted by wise banks.
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Let’s keep in touch!
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LINKEDIN: LINKEDIN.COM/IN/ALESSIOBONETTI
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TWITTER: @B0N3TT1
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Disclaimer
«Branch, Internet, Mobile, Digital» is a study that aims to
synthesize and connect some of the most innovative actions
that Banks, Fintechs and other actors are undertaking to
develop a new model for the financial services.
Views expressed in this presentation are my own.
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Branch Internet Mobile Digital
Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1