Presentación de Kantox, para Innomoney, evento organizado por Adigital y celebrado el 18 de septiembre de 2015 en Madrid. http://www.innovatexadigital.org/innomoney/

1. Copyright © 2015 Kantox
The Fintech Wave
London, 2015

2. Copyright © 2015 Kantox
• The Fintech wave
• 1st Wave: “Verticals”
 Lending club
 Kantox
• 2nd Wave: “Banks”
 Fintech banks
 Marketplace banking
 GAFAs
Index

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“Fintech” - Definition
Companies that leverage TECHnology to
build disruptive business models in the
FINancial industry

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“Fintech” - The enemy

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“Fintech” - The enemy

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“Fintech” - The enemy

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“Fintech” - Why now?
• Industry pain points:
 Opacity
 Overpricing
• Maturing digital economy and appetite for alternative
finance
• Changing regulatory frameworks supporting Fintech:
Payment Service Directive, banking licenses in the UK

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“Fintech” - The promised land
EFFICIENCY
TRANSPARENCY
FAIRNESS
SIMPLICITY
1
2
3
4

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“Fintech” - Obstacles
• Trust issue
• Banks are trying to react with « ugly plays »
• No Fintech is a one stop shop
• Regulation is complex and not global

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“Fintech” - Evidence

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“Fintech” - Evidence

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“Fintech” - Evidence

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“Fintech” - Evidence

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“Fintech” - Evidence

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1st Wave - “Verticals”

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1st Wave - “Verticals”

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1st Wave - “Verticals”

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1st Wave - “Verticals”

19. Copyright © 2015 KantoxKantox | Corporate Presentation
We are building an alternative FX
marketplace where businesses and financial
institutions can exchange foreign currencies
1st Wave - “Verticals” Kantox

20. Copyright © 2015 KantoxKantox | Corporate Presentation
1,3% Average % saved per transaction
3,39% Largest % saved to a single client
€400.000 Largest amount saved to a single client (per year)
46 Million EUR Total amount saved to our clients from inception
100.000+ EUR Average amount per trade
33 Million USD Largest single trade
1.700 # of clients
2 Billion EUR Amount exchanged from inception
1st Wave - “Verticals” Kantox

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2nd Wave: “Fintech banks”

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2nd Wave: “Fintech banks”
• Online relationship:
 20.000 branches closed in Europe since 2008
 Millenials want the relationship to be online
• User experience:
 Banks are really bad at offering a great online
customer experience (not in their culture)

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2nd Wave: “Fintech banks”
Built from scratch
Banking license
Mobile first
Zero legacy
1
2
3
4

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2nd Wave: “Marketplace banking”
Bank based on 5 simple elements:
1. Core banking platform built from scratch
2. API layer to connect to 3rd parties
3. A customer base / CRM (customer support team)
4. Compliance / KYC infrastructure & processes
5. Banking license (independence / ability to hold client funds)

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2nd Wave: “Marketplace banking”
Products offered limited to “funds holding”:
• Bank accounts
• Credit and debit cards
• e-Wallet
Other services provided by 3rd parties / API:
• Old-school banks
• Financial institutions
• Fintech companies

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2nd Wave: “Marketplace banking”

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2nd Wave: “GAFAs”
• Super strong brand image
• Highly focused on customer service & UX
• 73% of Millenials declare being more excited about
a new offering in financial services from GAFAs than
their own bank

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« I am dying to fund a disruptive bank »
Marc Andreessen
Founder of Netscape
Investor

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