Top of title box should

always be in this spot.

Default Title Slide is

logo, boxed text in Arial

type, Subtitle Georgia

grey

HOW TO ADD A

BACKGROUND TO YOUR

SLIDE

1. Right-click the background

or in the outside slide

margin

2. Select ‘Format

Background’

3. Select ‘Picture or texture

fill’

4. Browse to find an image

that has a 4:3 aspect ratio

(1024x768, or 1200x900

most common sizes)

5. Select the image

6. Click ‘Close’

BOX AROUND TITLE and

OPTIONAL SUBTITLE

COLOR FILL

1. After typing the title, grow

the text box as necessary

and position below the

logo.

2. RECOLOR THE TITLE

BOX as needed for more

colorful title slides: Click

on the Title text box and

change the fill and line

color as needed.

3. Resize subtitle text box as

needed. Okay to turn fill

color on in subtitle.

4. Title and subtitle can have

fill colors with or without

photographic backgrounds

for variety.

Title and subtitle alignment should

always be left and not moved to the right

or left from this position

Fintech trends

14th November 2013

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China

Global Bank for Technology companies

US

27 Offices

UK

Israel

India

SVB Banking Network

SVB’s International Offices

Company Overview

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Founded 1983

$23bn assets

35,000 clients

50% all VC backed companies

800 Venture Capital firms

1,675 employees

Silicon Valley Bank

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U.S. 61%

U.K. 30%

EU 3%

ROW

4%

Ger 1%

5

Source: CapitalIQ, IC Dowson and William Garrity Associates Ltd, Eddie George and London New Finance a trade name of Eddie George Ltd, *data until October 2012.

$11bn Investment in FinTech globally 2012

Electronic+mobile cash Compliance & Security Process improvements. In London = Funding platforms Security Big Data

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UK FinTech = $3.2 billion in 92 transactions 2012

VC 29%

Corporate 6%

Acquisitions 35%

IPO 27%

Angel 2%

Seed 1%

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Source: IC Dowson William Garrity Associates Ltd.

*Partial list of funded companies, data as of YTD October 2012.

Funding

Platforms

Identity,

Security

SaaS

Processing

PFM

Aggregator Info

Payments

Challenger

Banks

Lending

P2P

Big Data

Fx

E-money

Exchange

$56m

$158m

$40m

$3m

$0.6m

$29m

$28m $16m

$4m

$27m

$821m

$10m

$692m

$30m

$1.9bn London Fintech 2012 = 2/3 UK Fintech

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Trends in Fintech

Source: American Banker FinTech 100, Bankinnovation.net, Janney Capital.

Trends

Mobile

Credit

Crunch

Prepaid Cards

Disruption at Point-of-

sale

M-payments & digital wallets:

700m+ smart phones 2012

Impact payment

value chain:

Reduction credit card

spending

New entrants

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Themes….

Globalization

Niche

Specialist

Providers

Security

Social Media

marketing/

phishing

Payments

Data

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mCommerce increasing

$1 tr

30m

85%

47%

9%

Worldwide m-

purchases by 2017

accessing bank a/c

via mobile in EU

YoY growth m-banking

mCommerce

sales growth

2011-2015

M-commerce

share of total

eCommerce by

2016

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Source: Gigaom, Forbes, Citi, Transferwise & SVB Analysis.

Cross-Border Payments

Transformation strategies

Asia Disruptive technologies

Faster Payment Technologies

Regulatory Changes

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Source: Gigaom, Forbes, Citi, Transferwise & SVB Analysis.

M-Payments = complex ecosytem

Payment Processing

Value Chain

Mobile Wallet

Proximity Payments

System Vendors

On-line and

M-Commerce

Mobile Money

Transfer

Handset Vendors

M-Banking

Payment Processors and Service Providers

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Challenge in M-Payments….

Pressure on merchant service fees + margins

Carrier

Billing

Model

Mobile

Transfer

Model

E-Wallet

Model

Bank Issuer Card

Network

• Acquirer

• PSP

• Card

• Stored Value

• Bank

Wallet Provider

• Carrier Bill

• Mobile

Money Agent

Carrier

Bill/Prepaid

Balance

Mobile

Network

Operator

Mobile PSP

• Mobile Wallet

• Agent

• Bank Partner

Bank

Mobile Network Operator

Interbank

Network

Funds

Withdrawal /

Settlement

Funds

Transfers

Consumer

Account

Provider

Source

of Funds

Standard

Four Party

Model

Co

nsu

me

r

Me

rch

an

t/R

ecip

ien

t

Transaction Fee

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14 Source: Gigaom, Forbes, Citi, Transferwise & SVB Analysis.

Challenges for Cross-Border Payments

Cost

Information

Risk

Complexity

Security

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Big Data

2.5 THIS

NUMBER DOUBLES EVERY

MONTH

EXABYTES of data are created

every day

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1.2 1.8 2.8

8.6

40

16

Source: Elexio.

Big Data (cont’d)

VOLUME

of data

VELOCITY

speed of data

in and out

VARIETY

types and sources

of data

Big Data

areas

Retail

Church

Health-care

Sports

Banking

Politics

Science Academia

Data Volume = 30x by 2020

VALUE

Insight/service/ £

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Data Security

Source: Bloomberg BNA Banking Report 2013 & envisioningtech.com.

Access

Retention

Disposal

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Unprepared

Promising

Prepared

Rogue AI

High-Frequency hacking State-organized cyber attacks

Information Security

Biometric id + payments

VPN SSL Data Protection

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?

amccracken @ svb . com

@alexmccra

Type Sections or Title of Entire Presentation ‘Insert-Header and Footer’ Georgia 10pt 19