Starling Bank is a digital-only bank based in London that serves retail and business customers. It has grown rapidly since launching in 2014, reaching over 1.3 million retail accounts and 200,000 business accounts. Starling has raised $470 million in funding to develop its banking platform and services. While still unprofitable, Starling aims to achieve profitability by 2021 by improving revenue streams from payments, marketplace commissions, and banking-as-a-service offerings provided to fintech partners.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
Stripe pitch deck designed by Zlides
Want to create a pitch deck that inspires your audience? Get your FREE presentation kit designed by Zlides: http://bit.ly/slideshare_zlides
Aguai Solutions Perspective on New Age Digital Lending. Leverage the power of Digital Infrastructures to offer a Convenient of Lending to the right consumers through right Digital 30 degree of Credit Risk scores
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
🔮 Want more VC/investment startup pitch decks? We’ve centralised ALL succesful investor pitch decks at: https://chagency.co.uk/getstartupfunding — check all of them out
🔮 The effort is adhering to the ideology of “The Future Of Freemium” — read more here: https://chagency.co.uk/blog/ceo/the-future-of-freemium-how-to-get-peoples-attention/
🔮 Our library of pitch decks will not have any advertisement, only a signature. We are a design agency that helps SaaS CEOs reduce user churn.
In recent months, many customers have been asking us the question – how to monetise Open APIs, simplify Fintech integrations and accelerate adoption of various Open Banking business models. Therefore, AWS and FinConecta would like to invite you to Open Finance marketplace presentation on October 20th.
Event Agenda :
Open banking so far (short recap)
• PSD2, OB UK, OB Australia, OB LATAM, OB Israel
Intro to Open Finance marketplace
• Scope
• Features
• Tech overview and Demo
The role of the Cloud
The Future of APIs
• Complying with regulation
• Monetizing data / APIs
• Business models
• Time to market
One platform for all: a Strategic approach
Q&A
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
A Frontline Ventures x DN Capital collaboration
Online Lending
Banks & Neo-Banks
Banking APIs
Asset Management
Foreign Exchange
Payments
Insurtech
2017 has been a sensational year for European FinTech.
The £9.1b acquisition of WorldPay, $100m Series F of Funding Circle, record VC investment, record lending volumes, millions of users joining challenger banks — while Europe undergoes a massive regulatory overhaul, make FinTech arguably the most exciting sector in startups and venture capital.
In this 70-slide presentation you will find some info that may surprise you:
The pace of online lending in the UK over the past 2 years has increased 2.5x from £3.1b to £8.3 in 2Q 2017.
On average UK banks have a shockingly low NPS of +2, including the UKs largest bank (by market cap) at -24.
Robo-advisors may find themselves in a tough spot as 4/5 big banks plan on launching a robo-advisor service.
European InsurTech practically didn’t exist 3 years ago, now accounts for roughly 10% of total FinTech funding.
A big thank you to Piotr Pisarz at DN Capital and to Sophie Winwood at Innovate Finance for making this deck happen.
Frontline Ventures is a seed stage venture capital fund focused on B2B and enterprise software. If you are building the next world beating B2B startup contact thomas@frontline.vc.
Open Banking - Opening the door to Digital Transformation WSO2
The open data era is just beginning in Australia. While the main purpose of the Consumer Data Right is to provide consumers, better control over their data, it is also paving the way for banks and financial institutions to step into newer business models through digital transformation. This talk will detail how banks stand to benefit from an open data ecosystem with a winning strategy and the right tools to achieve it. It will discuss the following topics:
The journey from Open APIs to Open Banking - An ecosystem for digital transformation
Building an open banking strategy for long term success
Realising the digital transformation opportunities of Open Banking
Stripe pitch deck designed by Zlides
Want to create a pitch deck that inspires your audience? Get your FREE presentation kit designed by Zlides: http://bit.ly/slideshare_zlides
Aguai Solutions Perspective on New Age Digital Lending. Leverage the power of Digital Infrastructures to offer a Convenient of Lending to the right consumers through right Digital 30 degree of Credit Risk scores
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Embedded Finance intro presentation - Simon Torrance August 2021Simon Torrance
What is Embedded Finance, how does it work, why is it important, who benefits, what do brands and companies in all sectors need to consider if they want to take advantage of it?
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
🔮 Want more VC/investment startup pitch decks? We’ve centralised ALL succesful investor pitch decks at: https://chagency.co.uk/getstartupfunding — check all of them out
🔮 The effort is adhering to the ideology of “The Future Of Freemium” — read more here: https://chagency.co.uk/blog/ceo/the-future-of-freemium-how-to-get-peoples-attention/
🔮 Our library of pitch decks will not have any advertisement, only a signature. We are a design agency that helps SaaS CEOs reduce user churn.
In recent months, many customers have been asking us the question – how to monetise Open APIs, simplify Fintech integrations and accelerate adoption of various Open Banking business models. Therefore, AWS and FinConecta would like to invite you to Open Finance marketplace presentation on October 20th.
Event Agenda :
Open banking so far (short recap)
• PSD2, OB UK, OB Australia, OB LATAM, OB Israel
Intro to Open Finance marketplace
• Scope
• Features
• Tech overview and Demo
The role of the Cloud
The Future of APIs
• Complying with regulation
• Monetizing data / APIs
• Business models
• Time to market
One platform for all: a Strategic approach
Q&A
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
A Frontline Ventures x DN Capital collaboration
Online Lending
Banks & Neo-Banks
Banking APIs
Asset Management
Foreign Exchange
Payments
Insurtech
2017 has been a sensational year for European FinTech.
The £9.1b acquisition of WorldPay, $100m Series F of Funding Circle, record VC investment, record lending volumes, millions of users joining challenger banks — while Europe undergoes a massive regulatory overhaul, make FinTech arguably the most exciting sector in startups and venture capital.
In this 70-slide presentation you will find some info that may surprise you:
The pace of online lending in the UK over the past 2 years has increased 2.5x from £3.1b to £8.3 in 2Q 2017.
On average UK banks have a shockingly low NPS of +2, including the UKs largest bank (by market cap) at -24.
Robo-advisors may find themselves in a tough spot as 4/5 big banks plan on launching a robo-advisor service.
European InsurTech practically didn’t exist 3 years ago, now accounts for roughly 10% of total FinTech funding.
A big thank you to Piotr Pisarz at DN Capital and to Sophie Winwood at Innovate Finance for making this deck happen.
Frontline Ventures is a seed stage venture capital fund focused on B2B and enterprise software. If you are building the next world beating B2B startup contact thomas@frontline.vc.
The Australia FinTech Report 2021 report is an in-depth analysis of the rapidly evolving FinTech sector in Australia. The report takes a close look at the dynamic FinTech startups in the continent to understand the factors driving innovation. Read Australia FinTech Report 2021 to discover what makes Australia’s FinTech landscape unique—CDR and Open Banking, M&A, the FinTech segments powered by a flourishing ecosystem, growth in the FinTech ecosystem, and much more!
As of Dec 28th, #InsurTech raised $7Bn in funding in 2020.
In these slides, I share an investment update on the state of InsurTech investment and its impact on the startups. growth ventures, investors, and incumbent player communities.
I am also sharing a few case studies of winning market players including Oscar, Lemonade, Root, Wefox, and Ant Financial which all did very well in 2020. Also, check-out my 2021 prediction article on LinkedIn, which brings everything together.
N26 Deep-Dive In Pursuit of Profit by c-InnovationC-Innovation
In Pursuit of Profit: N26's Urgent Drive to Stay Competitive
In this deep-dive, C-Innovation offers a comprehensive analysis of N26's strategic adaptation in the evolving digital banking landscape amidst a backdrop of regulatory challenges. This report unveils N26's transformative journey throughout 2023 and into 2024, dissecting its efforts to enhance profitability while maintaining competitiveness despite regulatory hurdles. N26 navigated regulatory obstacles, including its exit from Brazil, a decline in valuation, and challenges with customer growth. Furthermore, regulatory constraints in key markets like Germany and Italy limited service expansion, posing obstacles to achieving a sustainable business model.
N26's Recent Initiatives
N26 has shown agility in embracing innovative technology and customer-centric solutions while streamlining operations, including a 4% staff reduction in April 2023. In November 2023, it ceased operations in Brazil. Anticipating profitability by the second half of 2024, N26 focuses on core markets like Germany, France, Spain, and Italy.
• Presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region
• The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements
• To have a targeted session depending on your business needs – with a session focussed on start-up/early stage businesses
• Presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region
• The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements
• To have a targeted session depending on your business needs – with a session focussed on start-up/early stage businesses
Wirecard was a company that provided payment and financial services in Germany and around the world. It started in 1999 and joined the DAX index of top companies. It said it had new ways of doing electronic payments, managing risks, and issuing cards. It had a large workforce and customer base by 2019. But Wirecard was also involved in a huge fraud that made it go bankrupt in 2020. The company lied about its money, income, and business by making up fake numbers and deals. It confessed that it could not find €1.9 billion of its money. The fraud was revealed by people who worked for the company, reporters, and accountants after many years of doubts and checks. The scandal led to many people being arrested or quitting, including the former boss Markus Braun. It also caused many problems and changes for its shareholders, lenders, clients, watchdogs, accountants, and banks.
Received message.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
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Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
Experience unparalleled EXTENDED STAY and comfort at Skye Residences located just minutes from Toronto Airport. Discover sophisticated accommodations tailored for discerning travelers.
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Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
1. DEEP DIVE
o Overview
o Executive Team
o Product Stack
o Customer Acquisition
o Marketplace
o Banking-as-a-Service
o Funding Trends
o Financials
o Customer Lifetime Value
o Unit Economics
2. Founded:
Anne Boden
2014
Founders:
Total Funding: $470 million
Latest Funding: $49 million – May 2020
Est. Valuation: Undisclosed
Investors: Merian Global Investors,
Banking Competition Remedies,
Future Fifty, JTC Group
HQ: London, United Kingdom
Geographies
Served:
United Kingdom
Ireland
Licensing: UK - Banking License (2016)
Customer
Base:
Retail A/c (1.34 million)
Business A/c (200 thousand)
958 as of July 2020Employees:
Partnerships at the core of Starling
Business Overview
Business Tools:
Freeagent
Quickbooks
Xero
Cybersmart
Paystream
Slack
Sparqa Legal
UnderPinned
Wealth:
Wealthsimple
Wealthify
PensionBee
Penfold
Other:
Tail
Bionic
Insurance:
Anorak
Churchill
Equipsme
Nimbla
So-sure
Superscript
Lending:
Habito
Molo
Credit Ladder
Zopa
Funding Circle
B2B Banking Services:
SumUp
Square
PelicanPay
Vitesse
Flux
Goji
CreDec
Mastercard
Raisin
Bankable
Vocalink
CurrencyCloud
Form3
Railsbank
Ditto
3. EXECUTIVE TEAM
Led by Anne Boden, the Starling Bank executive team has an average
experience of 22 years. Women make up for 50% of the team, while female
representation stands at 41% in the overall organisation.
Person
( 💁 indicates female execu0ves)
Position Previous Experience Startups Founded
(Before Starling Bank)
Company Before Starling Bank
Anne Boden 💁 CEO 32 years - Finance - Allied Irish Banks
Tony Ellingham Chief - Finance 28 years - Finance - Nationwide Building Society
John Mountain Chief - Information 14 years - Tech - BJSS
Steven Newson Chief - Technology 16 years - Tech - Cahootsy
Helen Bierton 💁 Chief - Banking 24 years - Finance - Santander UK
Declan Ferguson Chief - Strategy 06 years - Consulting - PwC
Rachael Pollard 💁 Chief - Growth 27 years - Marketing - Compare The Market
Laurence Potter Chief - Risk 18 years - Finance - Direct Line Group
Susanna Yallop 💁 Chief - People 18 years - HR - Eversheds Sutherland
Alexandra Frean 💁 Corporate Affairs 31 years - Journalism - The Times
Clare Nestor 💁 Operations 30 years - Finance 1 Royal Bank of Scotland
Matt Newman General Counsel 20 years - Legal - Thomas Eggar
4. 2017 2018 2019 2020
PRODUCT STACK
Starling Bank has built all its product capabilities from scratch & is
committed to building 52 digital banking products in the near future.
Covid-19 saw the business introduce need-specific products for customers.
Retail Banking Business Banking
Partner Products
Mobile App
Personal A/c
Personal Overdraft
Debit Card
Mobile App
Personal A/c Sole Trader A/c
Personal Overdraft Business Overdraft
Retail Marketplace SME Marketplace
Intl. Payments Limited Co. A/c
Joint A/c Web App
Teen A/c Euro A/c
Debit Card Debit Card
Instalment Credit Business Toolkit
Euro A/c Multicurrency A/c
B2B Banking Services
Connected Card Business Loans
Mobile App
Personal A/c Sole Trader A/c
Personal Overdraft Business Overdraft
Retail Marketplace SME Marketplace
Intl. Payments Limited Co. A/c
Joint A/c Web App
Teen A/c Euro A/c
Debit Card Debit Card
Instalment Credit
Euro A/c
B2B Banking Services
Mobile App
Personal A/c Sole Trader A/c
Personal Overdraft Business Overdraft
Retail Marketplace SME Marketplace
Intl. Payments
Joint A/c
Teen A/c
Debit Card Debit Card
Instalment Credit
B2B Banking Services
5. 0
200
400
600
800
1000
1200
2017 2018 2019 2020
Numberofcustomersinthousands
Starling Bank has a digital native approach to acquire customers
through social media. Its recent efforts have been focused on
growing its business banking division through active marketing.
CUSTOMER ACQUISITION
100k
500k
1 Mn
10 months
2.5x
2x
250k
6 months
5 months
10 months
2x
1.3 Mn
100k
200k
50k
8 months 25k
5 months
6 months
8 months
2x
2x
2x
Retail Accounts Business Accounts
Starling Bank launched
publicly in May 2017 with
its mobile current A/c
Business accounts were
launched in March 2018
National TV Campaigns in
Oct ‘19 & Feb ‘20 to
promote business banking
Growth in retail accounts
can be attributed to one
customer having multiple
types of accounts
👪 37 years
Average age
of a customer
🏰 78%
Customers from outside
London in the UK
🧑🦳 88 years
Eldest customer
of the bank
Aug 2020
Dec 2019 0.3x
8 months
(Retail Accounts include Euro Accounts as well)
6. MARKETPLACE
Starling Bank has picked up steam with Marketplace integrations in 2019,
adding 8 providers across retail & business offerings. In 2020, it has
already introduced 9 new providers. Focus remains on SME services.
2017 2018 2019 2020
Retail
Business
MARKETPLACE
INTEGRATIONS
Close to 33% business customers
have an active Marketplace
integration in August 2020
7. BANKING-AS-A-SERVICE
Starling Bank has spent over £20 million on developing its
banking technologies which run on public cloud infrastructure.
It has 24 clients live on its banking services platform as of November 2019.
£1,556
£213
£5
0 500 1000 1500 2000
Nov-19
Nov-18
Nov-17
Amount in £ ‘000
Income from Platform Services
7x growth
Clients include fintechs, e-money institutions, banks, government, and corporates
The number of payments processed by
Starling Banking Services is said to be
doubling month on month.
Benefits for Business Clients
Flexible API-based
software-as-
a-service (SaaS)
delivery style.
Utilize Starling’s
banking license &
access banking
platform.
Aids in regulatory
aspects such as
scheme compliance,
AML & KYC.
Payments
Services
Provides access to UK &
EU payment schemes like
Faster Payments & Bacs
Account
Services
Various secured accounts
for Payment Service
Providers (PSPs) in UK, EU
Banking-
as-a-Service
Provides building blocks
of a banking offering to
PSPs in the UK & EU
The Offerings
8. FUNDING TRENDS
Investors:
VC/PE
Individuals
Accelerator / Institution
Starling Bank is a proud recipient of the Banking Competition Remedies’
CIF Grant which aims to enhance SME banking in the UK. The fintech has
further self-invested £95 million to strengthen its SME offerings.
$68M
$14M
$97M
$130M
$39M
$77M
$49M
0
20
40
60
80
100
120
140
Jan 2016 Apr 2018 Feb 2019 Feb 2019 Oct 2019 Feb 2020 May 2020
Series A Series B Series C CIF Grant Venture Round Venture Round Venture Round
FundingAmount($Mn)
Starling Bank Funding
Harald McPike
CIF Grant
As of July 2020, Starling Bank holds 3%
SME banking market share in the UK.
It is seeking an additional £35 million
($45M) from BCR to continue the
momentum in SME banking.
Total Funding: $470 Mn
The CIF (Capability & Innovation Fund) Grant, administered by an independent body, the BCR, came from a
£775M fund created by RBS & HM Treasury to boost competition & innovation in the SME banking market.
9. FINANCIALS
The bank has grown its loan book multi-fold through government-backed
schemes during COVID-19. While it still operates on net loss, it plans to
achieve profitability by 2021 through improving revenue streams.
13
(19)
750
14,201
(4,253)
(10,196)
(25,070)
(52,064)
-75000
-50000
-25000
0
25000
2016 2017 2018 2019
Amountin£’000
Starling Bank Financials (in £’000)
Net Income Operating Expenses Net Loss
Income Expenses
• Interest
• Interchange
• Marketplace Commission (2018)
• Platform Services (2018)
• Paid Products (2019, 2020)
• Technology
• Personnel
• Operations
• Marketing
Starling Bank
Revenue Streams
Funds held at
Central Banks & in
Debt Securities,
94%
2%
4%6%
Pre-COVID
(Nov 2019)
Overdrafts
Term loans
(Through Forward
Flow Agreements)
Funds held at
Central Banks &
in Debt
Securities,
67%
3%
22%
8%
0%
33%
During COVID
(Aug 2020)
Retail Loans
BBLS
Funding Circle CBILS
Own CBILS
Deposit Base: £1 billion
Loans & Advances: £54 million
Deposit Base: £3.05 billion
Loans & Advances: £1 billion
Deposits & Loans
10. CUSTOMER LIFETIME VALUE
£900
£1,053
£1,450
£875
£1,500
0
500
1000
1500
0
500
1000
1500
2000
Aug 2018 Nov 2018 Aug 2019 Nov 2019 Aug 2020
Numberofaccounts(‘000)
Avg.AccountBalance(£)
Personal Accounts
£6,000 £7,000
£10,000
£11,600
£15,250
0
50
100
150
0
5000
10000
15000
20000
Aug 2018 Nov 2018 Aug 2019 Nov 2019 Aug 2020
Numberofaccounts(‘000)
Avg.AccountBalance(£)
Limited Company Accounts
£900
£1,100
£1,600
£1,800
£2,850
0
50
100
0
1000
2000
3000
Aug 2018 Nov 2018 Aug 2019 Nov 2019 Aug 2020
Numberofaccounts(‘000)
Avg.AccountBalance(£)
Sole Trader Accounts
Average Account Balance Trends
(Dotted line indicates number of accounts)
Starling Bank’s growing average account balance across
customer segments puts them on a path to monetise
their customer relationships & earn a higher customer
lifetime value.
A typical customer has multiple types of accounts across
retail and business offerings.
Retail Accounts Business Accounts
o Personal Current Account
o Joint Account
o Teen Account
o Euro Account
o Sole Trader Account
o Limited Company Account
o US Dollar Account
o Euro Account
11. UNIT ECONOMICS
£211
£37 £34
£177
£47 £51
£388
£84 £85
0
200
400
600
800
1000
1200
0
100
200
300
400
500
Nov-17 Nov-18 Nov-19
Numberofaccounts(‘000)
Administrativeexpensesperaccount£
Administrative Expenses Trends
Staff Costs per A/c Other Admin &
General Expenses per A/c
Total Administrative
Expenses perA/c
Number of Accounts
Starling Bank began earning positive contribution margins from 2018,
which grew 6.5x in 2019.
Administrative expenses per account depict a stable trend. This combined
with a growing contribution margin can help the company achieve their
goal of reaching profitability by 2021.
£3
£8
£18
-£0.44
£2
£13
0
200
400
600
800
1000
1200
-10
-5
0
5
10
15
20
Nov-17 Nov-18 Nov-19
Numberofaccounts(‘000)
Income&expenseperaccount(£)
Contribution Margin Trends
Net Income per A/c
(Contribution Margin)
Total Income per A/c
Total Variable Expenses per A/c Number of Accounts
12. Disclaimer:
All data used for analysis has been taken from Starling Bank’s annual reports & other publicly available sources.
All views & opinions mentioned are personal and do not represent views of any organisations or institutions.
FINTECH FRATERNITY
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