FinTechs – threat or partner

FujitsuForum2017

#FujitsuForum

Matthias Lais

Founder and COO, Main Incubator GmbH

Latif Ajouaoui

Account Director, Fujitsu

FinTechs – threat or partner

FinTech – Threat or Chance? I Matthias Lais I Fujitsu Forum I 8th November 2017 No. 1 for visionaries

FinTech – Threat or Chance?

Matthias Lais I main incubator

Founder and Managing Director

Munich I 8th November 2017


Challenges in Banking…

1Digitization

Adaption / conversion of the current

infrastructure requires high resource

input: Capital and know-how

2 Customer needs

Customers are used to digital solutions with

high user experience and expect to find digital

solutions with high user experience: automated

customer service, personalized consultation

3 Competitors

New competitors with digital

solutions enter the market

and increase margin

pressure

4

Regulatory

Due to increasing

regulatory requirements

some core functions of

banks might be

economically inefficient

when done in the

traditional way

5

Low interest rates

Current situation afflicts the

PnL of most of the banks

with no improvement to be

expected in the near future.


1995 now 2025

www

mobility

socialvirtualisation

networking

data analytics

early machine learning

IoTroboticscloud

big

data

containers

cybersecurityhybrid

cloud

natural language processing large scale machine learning

deep learning reinforcement learning

AR/VR biometric identity

3D/4D

printingblockchain

autonomous systems –

cars and dronesnano-tech

advanced robotics –

cyborgs, swarmbots

super compute –

quantum, neuromorphic

autonomous super

systems

past

(Internet)

different

(cloud)

beyond

(smart ecosystems)

other

(super society)

Source: The exponential digital social world – Debra Bordignon,

CTO – Dimension Data Australia

Digitization since 1995 – and still in progress.


FinTechs change the banking of tomorrow…

Source: Panorama McKinsey & Company (Nov 2016)

FinTechs nowadays affect nearly

all areas of banking: from

infrastructure through retail- or

payments solutions up to virtual

market places


FinTechs in Germany

346active FinTechs in Germany

(Status 2016)

87%of surveyed banks currently

active in FinTechs

24,7 billion $

376 millions $

global Investments in

FinTechs (2016)

Investments in FinTechs in

Germany (2016):


Google Trends: Buzzword FinTech

within the last 5 years


Who we are…

…R&D Unit of

Commerzbank Group

No. 1 for

visionaries in

banking

leading early stage

investor in FinTechs

prototype builder

in the banking

sector


What we do…

identifying trends

setting trends

participating in trends


Identifying trends

TechLab

…monthly event in Frankfurt

since 10/2014

…on tour-events in Hamburg,

Munich, Berlin… since 10/2015

…establishment for „banking in the

future“…since 03/2017

…Commerzbank as Platinum

sponsor since 01/2017

…scanning the market for current

technology trends, first partner: Fujitsu

…since 03/2017


Setting trends

develop proactively

prototypes for own

banking products and

services in order to

counterbalance a lack of

suitable solutions

innovation management: idea

meets execution

cooperation with strong

partners…e.g. Fujitsu


co-create

the future

one of the world‘s leading

technology provider

Our cooperation with Fujitsu:

The perfect symbiosis of „Fin & Tech“…

AI expert

strong partner

etwork and perspectives


Participating in trends:

Our Investments.


”We intend to enter the financial

sectors. With main incubator we

have found the perfect partner

who supports us with his banking

knowhow and network.”

Alexander Siebert, Founder and CEO

…the expert for automatic generation of digital content – analyses,

processes and individualizes data and texts.

automates the effective utilisation of its clients‘ data

and generates automatically data-related content

fields of application: e.g. weather & sports reports -finance sector will become

more importantexpertise in the

automation of content-

driven business models

first project of cooperation with

Commerzbank has started

successfully, universal

applications raise the

expectation of further use cases


“The cooperation with main

incubator has been an

exemplary partnership from day

one and of immense strategic

value.”

Michael Cassau, Founder and CEO

Grover offers a brand-new financing model for

consumers and businesses to rent, instead of purchase, tech products

for a simple monthly subscription with no

minimum contract period, renters are able to access

the newest tech gadgets at all time

B2B- und B2C customers are able to invest their capital

more needs-based and efficient as well as situational

and project-specific

…the switching economy’s bankroller – offers an innovative financing model for

tech-products, which is more flexible than classical leasing.

cooperation with Media Markt: customers may rent

electronical devices instead of 0% financing


Our

answer?

FinTechs –

a promising

chance.


Your contact

Matthias LaisFounder and Managing Director

Mainzer Landstraße 33a (“The Spot”) D - 60329 Frankfurt+49 69 719 13 87 - [email protected]

Headquarters: Frankfurt am Main

Local Court: Frankfurt am Main,

HRB 97682

VAT No.: 045 239 08324


Disclaimer

This presentation is a marketing document only and not a financial analysis.

Nothing in this presentation is, or should be relied on as, a legal, tax or economic advice or recommendation. Each recipient of

this presentation is recommended to make his own legal, tax and economic assessment of the matters contained herein through

internal and external counsel.

This presentation does not constitute an obligation to enter into a purchase agreement, investment agreement or a similar

agreement and does neither form any offer or invitation for an offer nor shall it provide the basis of any investment or

disinvestment decision. Each recipient of this presentation is recommended to make his own independent investigation, inquiry

and assessment prior to any investment decision.

In this notice, “main incubator” means Main Incubator GmbH which is a subsidiary of Commerzbank AG.

FinTechs – threat or partner

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