Live Oak Bank Digital - NC TECH Tech... · 2019-12-21 · Live Oak Bank Digital EASE OF USE AWARD...
Transcript of Live Oak Bank Digital - NC TECH Tech... · 2019-12-21 · Live Oak Bank Digital EASE OF USE AWARD...
Live Oak Bank Digital
EASE OF USEAWARD
YTD New Online
Savings/CDs
Originations1
YTD NEW ACCOUNTS1
by Live Oak Bank
1. Deposit Account Growth as of September 30, 2018, compared to active accounts at December 31, 2017
The Technology Landscape is Changing
LIV
E O
AK
BA
NK
4
Fintech investmentsBank
Branch Re-engineering Omni Everything Advanced Card Control
Call Center & Back Office Loan Origination
Cyber Safety & SoundnessAPI Payments Platform
How Key Partnerships Can Disrupt the Status Quo
LIV
E O
AK
BA
NK
20 Years As a
Full-service Digital
Banking Provider
500 + Clients
Solution Built
On Modern
Tech Stack
OPEN | API-FIRST | CLOUD-NATIVE | CHANNEL AGNOSTIC
Ecosystem
Of Partners
Reinventing Bank
Technology
Market-leading
Digital-only Bank
COMPETITION from ALL SIDES
Asset growth of Big 5 banks over the past five years
Total capital investment in Fintech’s over the past five years
$1.2 TRILLION
$158 BILLION
= Frustrating Go-to-Market
Rules/Logic
Workflows
Integrations
Functionality
Interfaces
Data sets
The CURRENT PROBLEM
= Everything as APIs
Rules/Logic
Workflows
Integrations
Functionality
Interfaces
Data sets
A NEW APPROACH
COMPETE at FINTECH SPEED
CHANNELS
SERVICES
PRODUCTS
PARTNERSHIPS
17
Live Oak Bank | Model BankEnabling: Banking as a Service
• Low Cost of Funds
• Low Deposit Beta
• Core Deposits
• Scale
Live Oak
Model Bank
API LAYER
Partners
Practice
Mgmt
Personal
Finance
Robo
Advisors
e-Comm
Direct
SMEs
Consumers
©2019 Apiture. All rights reserved. ©2019 Live Oak Banking Company. All rights reserved. Member FDIC.