Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.

Strategic Topics. Banking and Fintechs

97 views

Published on

José María Fuster van Bendegem, Profesor Ad Honoren de la Universidad Politécnica de Madrid, reflexiona sobre los principales aspectos estratégicos en los procesos que involucran a bancos y fintechs.

Published in: Economy & Finance
  • Be the first to comment

  • Be the first to like this

Strategic Topics. Banking and Fintechs

  1. 1. Strategic Topics Banking and Fintechs José María Fuster van Bendegem UPM ad honorem Professor
  2. 2. Banking is facing a strategic dilemma: Efficiency or Business Model Innovation Introduction
  3. 3. BANKS ARE PRIMARILY LIQUIDITY AND CAPITAL PROVIDERS Loans Deposits Liquidity Buffer Capital Average Cost of Deposits (CoD) Cost of Capital (CoC) Average Price of Loans (PoL) Gross Financial Margin = Loans x PoL – DEP x CoD – C x CoC
  4. 4. EVERY ECONOMIC PROCESS STARTS AND/OR ENDS IN A CURRENT ACCOUNT THE ECONOMIC FLOW PERMEATES EVERYTHING FOR EXAMPLE: OPEN A NEW COMPANY
  5. 5. ECONOMIC ACTORS FINANCIAL SERVICES CORE BANKING SYSTEM CENTRAL BANKS CONSUMERS SMEs CORPORATIONS INSTITUTIONS
  6. 6. FINTECH OPTIONS Fintech as Financial Services Providers Fintech Implementing a more Efficient Banking Model Fintech as Technology Providers
  7. 7. BANKS OPTIONS Specialization Taking Monoliners Risk Compete in the Services Space Banks as Financial Holding Companies Cost Reduction Technology or Consolidation
  8. 8. MAIN STRATEGY GAIN EFFICIENCY Consolidation Reducing Complexity: Customers and Products Using Technology Effectively: IT Sharing, New Architectures, Fintech Integration
  9. 9. SOME FIGURES
  10. 10. SOME FIGURES
  11. 11. SOME FIGURES
  12. 12. LINKS OF INTEREST https://www.forbes.com/advisor/donna-fuscaldo/2019/01/30/best-fintech-alternatives-to-traditional- banking/ https://www.chimebank.com https://www.aspiration.com https://movenenterprise.com https://www.varomoney.com https://www.openbank.es
  13. 13. TODAY: Internet of Data - Data Economy FUTURE: Internet of Data - Data Economy and E-Money Fintech Internet Internet Blockchain Debate
  14. 14. As Business Model Innovation is extremely difficult to execute the only feasible alternative in Banking is EFFICIENCY Conclusion
  15. 15. José María Fuster van Bendegem UPM ad honorem Professor

×