Fintech in Asia
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Global overview and Asian opportunities in Fintech. Marvelstone's vision for Asia, FundEast.
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Fintech in Asia
- 1. Private and Confidential | All Rights Reserved 2015Private and Confidential | All Rights Reserved 2015 Seunghyun Cho (Joe) Chairman
- 2. Private and Confidential | All Rights Reserved 2015 WHAT IS FINTECH?
- 3. Private and Confidential | All Rights Reserved 2015 AGENDA 1. What is Fintech? a. Ecosystem b. Categories c. Investments 2. Global Industry Trends a. Global investments b. M&As c. IPOs 3. Why Asia Now? a. Mobile Technology b. Unbanked Population c. Underserved Population + SMEs d. Fragmented Markets e. Government Support
- 4. Private and Confidential | All Rights Reserved 2015 In the past Financial technology were developed by large financial institutions Big-scale + Complex + Difficult to Use + Highly Regulated
- 5. Private and Confidential | All Rights Reserved 2015 Financial Technology
- 6. Private and Confidential | All Rights Reserved 2015 ATMs
- 7. Private and Confidential | All Rights Reserved 2015 Post Financial Crisis Financial institutionsā wallets tightened, Employees jumped off the ship Fintech Startups Kick Started
- 8. Private and Confidential | All Rights Reserved 2015 This Marks The Beginning āBirthā of fintech āDeathā of financial technology
- 9. Private and Confidential | All Rights Reserved 2015 Transformation Mobility of technology Mobility of ideas Mobility of payments
- 10. Private and Confidential | All Rights Reserved 2015 Common themes across fintech sector Monetisation of data Fraud and identity protection Infrastructure replacement Disintermediation
- 11. Private and Confidential | All Rights Reserved 2015 Fintech Main Themes 1. Payments Apple, Google, Paypal, Amazon, and Alibaba have payment solutions that replace physical wallets and credit cards
- 12. Private and Confidential | All Rights Reserved 2015 Fintech Main Themes 2. Lending Zopa, Lending Club, and Funding Circle offer peer-to-peer lending solutions that match lenders and borrowers on their online platforms
- 13. Private and Confidential | All Rights Reserved 2015 Fintech Main Themes 3. Investment āRobo-advisersā like WealthFront use data analytics to dispense online personal financial advice and investment management services.
- 14. Private and Confidential | All Rights Reserved 2015 Traditional vs Emergent Fintech Traditional Emergent Positioning Market players generally perceived as facilitators which are large, incumbent technology vendors supporting the financial services sector Eg: Fiserv, SunGard, Infosys, First Data Market players are disruptors and innovators by nature. They are disintermediating incumbent financial services or provide new technology solutions to service existing needs Eg: Zopa, Fidor Bank, Transferwise Infrastructure Companies focus on support, maintenance and provision of existing infrastructure Two operating models have merged of either utilising existing infrastructure which tends to be controlled by established players or by replacing them completely This is a high risk strategy but provides high returns if successful Revenue model Operate under established revenue models that tend to use cost per transaction, percentage of assets or license fees Emerging revenue models are broad and tend to function using different types of revenue streams. Source: EY Landscaping UK Fintech
- 15. Private and Confidential | All Rights Reserved 2015 Big Fintech Trends Digital & Mobile Payments Authentication & Biometrics Blockchain Cloud Computing Big Data Learning Machines
- 16. Private and Confidential | All Rights Reserved 2015 Source: http://programme.innovatefinance.com/e/bigdata
- 17. Private and Confidential | All Rights Reserved 2015
- 18. Private and Confidential | All Rights Reserved 2015
- 19. Private and Confidential | All Rights Reserved 2015 Loans & Consumer Credit
- 20. Private and Confidential | All Rights Reserved 2015 P2B & B2B Finance
- 21. Private and Confidential | All Rights Reserved 2015 Payments & Transfers
- 22. Private and Confidential | All Rights Reserved 2015 Facebook
- 23. Private and Confidential | All Rights Reserved 2015 Wealth Management 1. Personally tailored portfolios and diversified investment plans 2. Clean user interface 3. Online platforms and processes to make opening accounts fast and easy 4. Smart Phone apps 5. Interactive knowledge sharing platforms 6. Low fees and incredible transparency
- 24. Private and Confidential | All Rights Reserved 2015
- 25. Private and Confidential | All Rights Reserved 2015
- 26. Private and Confidential | All Rights Reserved 2015 Open API Platform
- 27. Private and Confidential | All Rights Reserved 2015
- 28. Private and Confidential | All Rights Reserved 2015
- 29. Private and Confidential | All Rights Reserved 2015 US Fintech Takes The Lead
- 30. Private and Confidential | All Rights Reserved 2015 2014 USA $9.89 B Global fintech investments tripled, now more than $12 B
- 31. Private and Confidential | All Rights Reserved 2015 Fintech Investments Source: CB Insights
- 32. Private and Confidential | All Rights Reserved 2015 Fintech Exits
- 33. Private and Confidential | All Rights Reserved 2015 $18.9 B We have seen 192 fintech M&A deals in 2015 so far
- 34. Private and Confidential | All Rights Reserved 2015 18 IPOs $4.9 B IPO < M&A
- 35. Private and Confidential | All Rights Reserved 2015 2014 Fintech IPOs Insurance/Healthcare Fintech led the way with 6 IPOs No companies reported positive net income in 2014 8 Fintech companies achieved āunicornā states with market cap > $1 B
- 36. Private and Confidential | All Rights Reserved 2015 2014 UK Fintech Revenue: Ā£20 B
- 37. Private and Confidential | All Rights Reserved 2015 ā¢ WHY ASIA NOW?
- 38. Private and Confidential | All Rights Reserved 2015 Unbanked Why Asia? Why Now? Underserved Fragmented Markets
- 39. Private and Confidential | All Rights Reserved 2015 1. Widespread use of mobile 2. Mobile tech infrastructure in place
- 40. Private and Confidential | All Rights Reserved 2015
- 41. Private and Confidential | All Rights Reserved 2015 Mobile Phone Mobile Internet Singapore 152% 65% Indonesia 121% 21% South Korea 109% 63% India 75% 16% Philippines 113% 32% Malaysia 137% 54% Thailand 150% 40% China 95% 42% Japan 123% 34% Myanmar 26% 7% Very high mobile phone penetration + growing mobile internet penetration Source: GSMA Intelligence 2014 Asia: ā¢ High mobile penetration ā¢ Young population ā¢ High adoption rates
- 42. Private and Confidential | All Rights Reserved 2015 2014 Mobile Internet & Projections
- 43. Private and Confidential | All Rights Reserved 2015 Unbanked Population Global Unbanked 2.5 B Indian transactions still 95% cash More than half of the worldās unbanked come from Asia
- 44. Private and Confidential | All Rights Reserved 2015
- 45. Private and Confidential | All Rights Reserved 2015 SMEs Too small for big banks Too big a segment to be ignored
- 46. Private and Confidential | All Rights Reserved 2015 9% 33% 37% 50% 50% 53% 57% 59% 0% 20% 40% 60% 80% India Malaysia Thailand Singapore South Korea Japan Indonesia China SME to GDP Ratio (%) SMEs in Asia are underserved Source: Asia Development Bank 2013
- 47. Private and Confidential | All Rights Reserved 2015 SMEs
- 48. Private and Confidential | All Rights Reserved 2015
- 49. Private and Confidential | All Rights Reserved 2015 Fragmented Markets Despite Asiaās potential, there is no one solution Financial services and markets growing at different rates across Asia
- 50. Private and Confidential | All Rights Reserved 2015 Fragmented no moreā¦ The rise of micro markets
- 51. Private and Confidential | All Rights Reserved 2015 >>B2B Markets & Micro Markets Example: China leads the way Opportunities
- 52. Private and Confidential | All Rights Reserved 2015 Government Policies āBad Cop, Good Copā Big boys are squeezed But approves new players, new rules
- 53. Private and Confidential | All Rights Reserved 2015 Tremendous government support for fintech Positive regulatory frameworks Financial grants + schemes
- 54. Private and Confidential | All Rights Reserved 2015 Government // Financial Singapore MAS S$225 million over 5 years Korea Development Bank and Industrial Bank of Korea 200 billion won (US$185 million)
- 55. Private and Confidential | All Rights Reserved 2015 Government // Regulations Thai SEC now allows SMEs to raise funds via crowd-funding portals Malaysia SC announces 6 approved equity crowd-funding platforms Korea FSC allows banks to fund fintech firms//Internet banks allowed Philippines GPH launched e-peso (single e-payment platform)
- 56. Private and Confidential | All Rights Reserved 2015 Government // Programmes Singapore MAS Fintech & Innovation Group, FTIG Hong Kong Internet Finance Council, HKIFC, was set to promote fintech in HK Fintech development at the top of Koreaās governmental agenda
- 57. Private and Confidential | All Rights Reserved 2015 ASIAN OPPORTUNITIES Wealth management Big data Peer-to-Peer (P2P), Peer-to-Business (P2B) Mobile payments Social Trading Insurance Capital raising Internet bank
- 58. Private and Confidential | All Rights Reserved 2015 MARVELSTONE PLAN
- 59. Private and Confidential | All Rights Reserved 2015 FundEast A fintech platform Focusing on Asian markets, it combines different segments under one umbrella to form a financial group The structure allows the development of new brands to grow and thrive Its competitive edge lies in its ability to structure financial products in both traditional and alternative investment spaces
- 60. Private and Confidential | All Rights Reserved 2015 FOLLOW US Hashtags #Marvelstone #Fintechasia Facebook www.facebook.com/marvelstonegroup www.facebook.com/fintechasia
Editor's Notes
- Technology takes time to proliferate.Ā More importantly, it is the interaction among related technologies that often creates transformation ā and that takes time.Ā There is reason to believe that this time is different: that technology will indeed transform financial services in a way that has not happened before.Ā It has much to do with the concept of mobility.
- http://prog ramme.innovatefinance.com/e/bigdata
- http://programme.innovatefinance.com/e/bigdata
- http://programme.innovatefinance.com/e/bigdata
- https://thefintechblog.files.wordpress.com/2015/05/screen-shot-2015-05-07-at-3-03-05-pm.png Analytical software that effortlessly create personally tailored portfolios and diversified investment plans based on financial needs, goals, time horizon and risk tolerance. Clean user interface that organizes and displays investment data succinctly and intuitively and consolidates investment data in simple, easy to understand formats. Online platforms and processes to make opening accounts fast and easy and helps create efficiency around tax considerations and money transfers when necessary. Smart Phone apps that present organized access to financial data and display market and portfolio statistics with unprecedented clarity 24 hours a day. Interactive knowledge sharing platforms that better educate those who want to learn more. Low fees and incredible transparency around fees which provides clarity as to where clientsā money is going, how it is performing and how much it all costs.
- https://www.pinterest.com/pin/347410558729886996/
- http://thefinancialbrand.com/53100/banking-threat-digital-fintech-companies/
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- Global numbers are rising (trend is uprising)
- Global numbers are rising (trend is uprising)
- http://mercercapital.com/assets/Mercer-Capital-2014-Q4.pdf
- Global numbers are rising (trend is uprising)
- US made use of big data 90s bubble couldnāt prove anything, only future value Now we know the actual value, eg Alipay
- US made use of big data 90s bubble couldnāt prove anything, only future value Now we know the actual value, eg Alipay
- What ties up opportunities in Asia stems from mobile Underserved developed Asian markets and unbanked population under developed Asian markets
- What ties up opportunities in Asia stems from mobile Underserved developed Asian markets and unbanked population under developed Asian markets
- US made use of big data 90s bubble couldnāt prove anything, only future value Now we know the actual value, eg Alipay
- 2-fold opportunities Asia is fragmented ā unlike the US Opportunities are sporadic More developed Asian countries More underserved SMEs Less developed markets Reaching out to unbanked population connected through mobile
- 2-fold opportunities Asia is fragmented ā unlike the US Opportunities are sporadic More developed Asian countries More underserved SMEs Less developed markets Reaching out to unbanked population connected through mobile
- Even if the markets are fragmented The widespread used of mobile technology can reach out to
- Even if the markets are fragmented The widespread used of mobile technology can reach out to