Global Banking Innovations

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    Global Banking Innovations - Presentation Transcript

    1. Chris Skinner www.thefinanser.com
    2. the future of global banking
    3. SEPA €50m http://www.amazon.co.uk/Future-Banking-Globalised-Skinner- Chronicles/dp/047051034X/ref=sr_1_1?ie=UTF8&s=books&qid=1214062513&sr=8-1
    4. MiFID <50 http://www.amazon.co.uk/Future-Investing-Europes-Markets- after/dp/0470510382/ref=pd_sim_b_6
    5. http://thefinanser.co.uk/fsclub/2009/02/the-new-eu-regulator-and-liquidity-risk.html
    6. http://thefinanser.co.uk/fsclub/2009/03/robobank-no-human-hands-needed.html
    7. http://thefinanser.co.uk/fsclub/2009/03/jibun-bank-the-mobile-only-bank.html
    8. “Asia has around 600,000 villages and maybe 600 to 700 million unbanked people there. If you want to get to that mass, technology is the only thing that works. “Today, in a bank like ICICI Bank, you have less than 15% of transactions taking place within a branch. Five years back, 95% of the transactions took place within a branch. So you have an idea of what happens when the technology touches the unusual. “If I look at cost per transaction, it is about a tenth of a western bank. That is entirely because we could leapfrog a generation of technology.” K V Kamath, CEO, October 2006
    9. http://thefinanser.co.uk/fsclub/2009/04/africas-mobile-revolution.html
    10. http://thefinanser.co.uk/fsclub/2009/04/creating-a-bank-that-rocks.html
    11. http://thefinanser.co.uk/fsclub/2008/07/bbva-the- first.html
    12. http://thefinanser.co.uk/fsclub/2009/06/a-spanish-first-social-banking.html
    13. “We can move into a new country with credit cards with an investment of $1-$2 million, mainly on marketing, because we don’t have to build all that infrastructure. We can move into a country with full service banking for under $10 million, which is a fraction of our competitors. We just open a building and sell, because everything is delivered through the network.” Ken Harvey, CTSO http://thefinanser.co.uk/fsclub/2008/12/-hsbc-banking-on-the-network.html
    14. the future
    15. ©Chris Skinner +44 790 586 2270 chris.skinner@fsclub.co.uk
    16. the critical point
    17. The times, they are changing 1959 1969 1979 2009 1989 1999
    18. $800,000 1999 Meetings Mailing 40 UK 10,000 people 8 Ireland Twice weekly 6 CEE $300,000 $150,000 Brochures Newsletter 10,000+ 1,000 people daily Annual update Text only Website $100,000 Non-interactive $150,000 Custom-build $100,000 33
    19. $160,000 2009 Meetings Mailing 40 UK 10,000 people 8 Ireland Twice weekly 6 CEE Free $150,000 Brochures Newsletter 10,000+ 1,000 people daily Annual update Multimedia Website Non-interactive Gone $149 Custom-build $10,000 34
    20. 1975
    21. 2000
    22. 2010
    23. European Order Book Volumes Value of Equity trading, March 2009 Exchange / MTF Order Book Trades Order Book Turnover (EUR m) 1 London Stock Exchange 17,279,867 123,650.0 2 Euronext 15,365,479 116,839.0 3 Deutsche Borse 8,118,311 95,835.8 4 Spanish Exchange (BME) 2,832,093 60,682.8 5 Chi-X Europe 10,554,888 57,168.5 6 Borsa Italiana 6,227,802 45,937.2 7 SWX Europe 2,875,388 45,495.4 8 NASDAQ OMX Nordic 4,802,676 43,150.6 9 Turquoise 3,309,508 22,567.8 10 Oslo Bors 1,240,279 11,397.7 11 BATS Europe 1,760,985 8,277.7 12 SIX Swiss Exchange 462,090 2,802.3 13 Wiener Borse 440,927 2,781.6 14 Warsaw Stock Exchange 1,200,689 2,545.6 15 Athens Exchange 669,246 2,228.3 Figures sourced from FESE
    24. In a Best Price Routing world Potential Market Share Changes Under Best Price Routing 20% 18% Potential market share change% 16% 14% 12% 10% 8% 6% 4% 2% 0% -2% M TFs Eurone xt LSE Deutsche Borse -4% -6% -8% Nov-08 Dec-08 Jan-09 Feb-09 Under best price routing, research shows that there would be a significant shift in liquidity and market share to the new MTFs, while the incumbent exchanges would lose market share. Source: Equiduct Orange LFA
    25. Do Don’t Build customer confidence Anger the customer Cut costs Cut for the sake of cutting Focus upon operational efficiency Ignore new business models Reduce branch overheads / branches Stop innovating Invest in mobility services
    26. Further Reading Blog Index (from April 2009) http://thefinanser.co.uk/fsclub/the-week/ A Directory of Social Finance http://thefinanser.co.uk/fsclub/2009/04/a-directory-of-social-finance.html The Future of Banking: in a Globalised World http://www.amazon.co.uk/Future-Banking-Globalised-Skinner- Chronicles/dp/047051034X/ref=pd_bxgy_b_img_b The Financial Services Club Library (members only)
    27. www.thefinanser.com

    + Chris SkinnerChris Skinner, 5 months ago

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