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Fidor TecS AG
Delivering Disruptive Banking!
The Future is NOW!
„The	
  Fidor	
  Smart	
  Account	
  kills	
  the	
  tradi6onal	
  bank	
  account,	
  
like	
  the	
  ...
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  3	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor	...
Bank	
  licence	
  in	
  December	
  2009	
  
	
  
Community	
  users 	
   	
   	
   	
   	
   	
  >	
  300,000	
  
	
  
I...
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  5	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor	...
Fidor Bank focuses on digital banking behaviour
Source:	
  SINIUS	
  2011	
  	
  
Digital strategy
Fully Digital
Flexible Product Plattform
Customer Centric
Banking
Time-to-Market
Convenience
Security und...
Payment
Community Banking
Smart Community
Smart Payment
Smart Banking
•  Question & Answers
•  Product Ratings
•  Advisor ...
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  9	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor	...
The	
  fidor	
  smart	
  community	
  is	
  
unique	
  to	
  banking.	
  Instead	
  of	
  going	
  
to	
  a	
  branch	
  an...
The	
  Cash-­‐Manger	
  allows	
  me	
  to	
  
manage	
  all	
  my	
  In-­‐Account	
  Apps	
  and	
  	
  
to	
  handle	
  ...
BrokerBa#le	
  to	
  come	
  with	
  Bitcoin	
  underlying.	
   Scope	
  of	
  Bitcoin	
  CooperaCon	
  
Fidor	
  Bank	
  ...
It	
  is	
  important	
  to	
  me	
  to	
  have	
  a	
  
complete	
  overview	
  of	
  my	
  asset	
  
allocaCon.	
  
This...
8:00	
  am	
  
TV	
  News	
  about	
  Gold:	
  
Asking	
  the	
  community	
  to	
  
buy	
  or	
  not	
  to	
  buy?	
  
10...
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  15	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor...
CBS Country 1
Community PaymentsAccount
FrontEnd
Web /
Mobile
Product-
Features
Core-
Module/s
fidorOS
CORE
Interface to
Co...
Seite	
  17	
  
Real	
  'me	
  
booking,	
  payments,	
  loans,	
  …	
  
Aggrega'on	
  	
  
of	
  tradi'onal	
  assets	
  ...
Data backup on disk and tape in a
separate DC location with 6 km
distance to the other DC
High performance layer 2/3 firewa...
API Banking – build for developers: powerful and easy to
understand, to setup, and to use
{ !
!"id": "5232",!
!"email": "g...
fidorOS APIs Version 1: Objects
20	
  
fidorOS APIs – an excerpt
21	
  
fidorOS API architecture – best practice approach
22	
  
Integrating the Developer Community.
Go: http://developer.FidorTecS.com
0	
  
200	
  
400	
  
600	
  
800	
  
1.000	
  
1.200	
  
1.400	
  
1000	
  
Transac'on	
  Crea'on	
  Count	
  
fidorOS sca...
Tier	
  1/2	
  Bank	
   Google	
  
3,4	
  
Facebook	
  
3,8	
  
eBay	
  
7,4	
  
200	
  
15	
  
Fidor	
  
[USD]	
  
fidorOS...
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  26	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor...
CBS	
  Fidor	
  
fidorOS	
  
C	
   P	
   B	
  
Web	
  Frontend	
  
Mobile	
  APPs	
  
Web	
  Interface/s	
  
Product-­‐	
  ...
Excellent!
Table of content
Confiden'al	
  Informa'on	
   	
  Page	
  29	
  
I.  Fidor	
  Bank:	
  Facts	
  &	
  figures	
  
II.  Fidor...
Partner	
  opportuni'es	
  
	
  
I)  App	
  partner	
  –	
  create	
  an	
  mobile/web	
  app	
  on	
  top	
  on	
  fidorOS...
Contact
Sandstraße 33, 80335 Munich | Germany
E-Mail: schwab@fidor.de 
Web: www.FidorTecS.de 
Skype: fjschwab
Frank	
  Schw...
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Fidor Operating System - fidorOS

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The Fidor Operating System is modern, modular, open, API-based and free of legacy code and build for Banking 2.0.

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Fidor Operating System - fidorOS

  1. 1. Fidor TecS AG Delivering Disruptive Banking!
  2. 2. The Future is NOW! „The  Fidor  Smart  Account  kills  the  tradi6onal  bank  account,   like  the  smartphone  killed  the  mobile  phone.“     Ma#hias  Kröner  –  CEO  Fidor  Bank  Group  
  3. 3. Table of content Confiden'al  Informa'on    Page  3   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  4. 4. Bank  licence  in  December  2009     Community  users            >  300,000     In  account  app  B2B  partner        >  10     Full  KYC  customers            >      65,000     SME  customers            >          3,000     Loan  book              >  185  mEUR     Deposits                >  232  mEUR     Costs  per  new  customer  (CpC)      <  25  EUR     IT  costs  per  user  per  year        <  12  EUR       Fidor Bank – Facts & Figures! August  2014  
  5. 5. Table of content Confiden'al  Informa'on    Page  5   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  6. 6. Fidor Bank focuses on digital banking behaviour Source:  SINIUS  2011    
  7. 7. Digital strategy Fully Digital Flexible Product Plattform Customer Centric Banking Time-to-Market Convenience Security und Compliance Complete end-to-end processes without media disruption High degree of automation Flexible product model: products as combinations of simple basic elements API-approach instead of separate silos Personalised frontend Semantic services Integration of Social Media Entirely digital product cycle Guarantee of fast release cycles through automation of IT- processes 100% real time UX-Design from the customer‘s point of view High Level of Security has to be guaranteed even with short release cycles Balance between Security and Convenience Requirements for the banking core systems Starting point for digital banking is the digital strategy, posing new requirements to the banking core systems.
  8. 8. Payment Community Banking Smart Community Smart Payment Smart Banking •  Question & Answers •  Product Ratings •  Advisor Ratings •  Profile Comparisons •  Group Discussions •  Product Suggestions •  Surveys … PLUS: Unique bonus-scheme rewarding social interaction. •  Saving Certificates •  Loans (including Emergency Loan & Overdraft) •  FX Trading •  Precious Metals PLUS innovative solutions such as: •  Crowdfinance •  Peer to Peer Banking (lending and options) •  Virtual Currencies Combining Banking & Community Covering the major financial needs of a digital customer: -  Independent support instead of sales (push) -  Alternative financing and investing solutions by integrating 3rd party offers instead of proprietary product range -  Speed banking instead of slow banking -  Collaboration instead of black box •  Connect to Bundesbank (BIC / IBAN) •  SEPA Payments •  Closed loop transaction •  Transaction layout can be customized •  Global Money Transfers •  Card (MasterCard Issuing Licence) •  Sending money to e-mail address, phone number, twitter domain •  “community personal finance management” •  Peer to peer comparisons of transactions or assets allow improvements Customer Fidor combines community & payment & banking and provides additional value and freedom of choice to the retail and corporate customer – the bank is build around the digital customer.
  9. 9. Table of content Confiden'al  Informa'on    Page  9   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  10. 10. The  fidor  smart  community  is   unique  to  banking.  Instead  of  going   to  a  branch  and  relying  just  on  the   advise  of  my  financial  adivser,  I  can   ask  the  community.     Power of the Community - > 300,000 user!
  11. 11. The  Cash-­‐Manger  allows  me  to   manage  all  my  In-­‐Account  Apps  and     to  handle  my  transac'ons     in  a  smart  and  easy  way.       Finally  there  is  a  bank  that   accommodates  to  my  needs  –  from   Crowd-­‐financing  to  Social  Trading.     I  am  a  workaholic,     so  I  don‘t  have  much  'me.     With  Fidor  I  can  execute  most  of  my   banking  services  within  60  seconds.     Smart, Fast, Fidor SMART Account!
  12. 12. BrokerBa#le  to  come  with  Bitcoin  underlying.   Scope  of  Bitcoin  CooperaCon   Fidor  Bank  combines  “peer  to  peer  op'oning”  with  a  virtual  currency,  crea'ng  the  worlds  first  user  created  op'on  on   bitcoin.   •  Exclusive  Licence  shelter  (Hahungsdach)  for   Bitcoin.de  Exchange  in  Germany  and  for  kraken/ payward  Bitcoin  Exchange  in  Europe.   •  Genera'ng  constant  revenues  via  Licence   coopera'on  pl.  transac'on-­‐related  revenues.   •  Integra'ng  Bitcoin  transac'ons  and  a  view  to  the   assets  into  fidor  cash  account.   •  Combina'on  of  Brokertain´s  BrokerBalle  and   Bitcoin:  User  created  op'on  on  Bitcoin  allows  to   e.  g.  shorten  Bitcoin,  if  counterpart  is  found.   •  Bitcoin  Exchanges  as  interna'onal  distribu'on   partners.   •  Extremly  posi've  impact  an  brand  and  web   reputa'on.    Bitcoin  transac'ons  at  bitcoin  exchanges  will  be   shown  separatly  in  Fidor  Smart  Cash  Account,   however  no  storage  of  Bitcoins  at  Fidor  Bank.   Fidor Tec´s leading innovations for financial services: The Bitcoin Showcase
  13. 13. It  is  important  to  me  to  have  a   complete  overview  of  my  asset   allocaCon.   This  includes  money  I  lend  from   third  party  services  like  Smava  and   a  lot  of  other  great  plamorms.     One  more  thing:   Fidor  even  implemented  virtual   currencies,  so  I  can  see  my     investments  in  Bitcoins.   At a Glance – Fidor aggregates a great variety of new asset classes!
  14. 14. 8:00  am   TV  News  about  Gold:   Asking  the  community  to   buy  or  not  to  buy?   10:00  am   Backing  a  crowdfinance   project:     „Ecofriendly  Coffee“   1:30  pm   Paying  back  in  real-­‐Cme   my  colleague  via  twi#er:   Great  Lunch,  Joe!“   3:00  pm   Going  short  on  a  Bitcoin   by  beWng  50  USD  against   my  boss   5:00  pm   Buying  1,00  oz  silver  with   only  one  mouse  click!     Thx  Community!   11:30  pm   Applying  for  a  short  term   loan  on  my  smartphone.   #AwesomeParty     How  does  a   typical  day  of   your  customer   look  like?   Fidor – the lifestyle bank!
  15. 15. Table of content Confiden'al  Informa'on    Page  15   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  16. 16. CBS Country 1 Community PaymentsAccount FrontEnd Web / Mobile Product- Features Core- Module/s fidorOS CORE Interface to Core Banking Country-specific Core Banking System LAYERS CBS Country 2 CBS Country n MiddleWareBackEnd RESTfulAPIs Technology HTML5 / Native iOS, Android Ruby/ Ruby on Rails/ MySQL MQ Series CBS specific Bonus Third party Third party apps / in account apps General Admin Core Activities Security fidorOS Transaction Authorisation Customer Booking ... fidorOS is modern, modular, open, API-based and free of any legacy code.
  17. 17. Seite  17   Real  'me   booking,  payments,  loans,  …   Aggrega'on     of  tradi'onal  assets  and   new  P2P  &  social  banking   products   Convenient   transfer  of  money,  deposits,   currencies  via  twiler,  mobile   number,  email       Virtual  currencies   like  Bitcoin,  Ripple,  …   Open  API   provides  powerful  and  easy  to   understand,  to  setup  and  to   use  interface  to  access  all   fidorOS  func'ons   FOXI   Financial  Open  eXchange  Ini'a've   provides  standardized  formats  to   create  applica'ons  within  fidorOS   Alterna've  assets   e.g.  Miles  &  More  points,   precious  metals,  …     Plus   -­‐  Mul'  language  ✔   -­‐  Mul'  currency  ✔ -­‐  Mul'  country  ✔ -­‐  Mul'  CBS  ✔ -­‐  White  label  ✔   fidorOS combines general banking functionality independent from country specifics with social banking services in an unique way
  18. 18. Data backup on disk and tape in a separate DC location with 6 km distance to the other DC High performance layer 2/3 firewall cluster with additional full scope IPS and IDS functionality High performance layer 7 WAF (Web Application Firewall) cluster with additional intelligent self learning load balancer functionality Firewall controlled web DMZ Load balanced web server nodes with extended SSL certificates and strongest SSL security setup (SLLlabs Rating A+) Firewall controlled APP DMZ Load balanced application & service server nodes Firewall controlled DB Server DMZ High performance n-node active-active DB cluster nodes with real time date replication Data Center Strategy All live and performance relevant systems do have a complete redundant, real time mirrored DC setup in two different DC locations, or as a minimum requirement in two separate fire areas within the DC fidorOS Code Security Strategy The fidorOS code itself is written with special attention to prevent any security leaks like cross-site scripting and SQL injection. Input fields are always validated. Layer 2/3 Entry Firewall 2 x 1 GB Redundant Internet Access2 x 1 GB Redundant Internet Access Web Server DMZ Layer 7 Firewall & Load Balancer Application & Service Server DMZ Database Server DMZ fidorOS / Housing & Infrastructure Security Data Backup fidorOS: state-of-the-art infrastructure & security
  19. 19. API Banking – build for developers: powerful and easy to understand, to setup, and to use { ! !"id": "5232",! !"email": "gruban@fidor.de"! }! GET /users/current {! !"customers": [! ! !{! ! ! !"id": "16696412",! ! ! !"title": "Herr",! ! ! !"firstname": "Patrick",! ! ! !"lastname": "Gruban"! ! !}! ! !]! }! GET /users/current/customers
  20. 20. fidorOS APIs Version 1: Objects 20  
  21. 21. fidorOS APIs – an excerpt 21  
  22. 22. fidorOS API architecture – best practice approach 22  
  23. 23. Integrating the Developer Community. Go: http://developer.FidorTecS.com
  24. 24. 0   200   400   600   800   1.000   1.200   1.400   1000   Transac'on  Crea'on  Count   fidorOS scales!
  25. 25. Tier  1/2  Bank   Google   3,4   Facebook   3,8   eBay   7,4   200   15   Fidor   [USD]   fidorOS enables low IT costs per user per year.
  26. 26. Table of content Confiden'al  Informa'on    Page  26   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  27. 27. CBS  Fidor   fidorOS   C   P   B   Web  Frontend   Mobile  APPs   Web  Interface/s   Product-­‐   Features   Core-­‐Module/s   Opera'ng  System     (Must  be  ordered     in  any  case.)   Interface  to     Core  Banking   CBS  Fidor   fidorOS   P   Web  Frontend   fidorOS   C   P   B   Web  Frontend   fidorOS   P   Example  III:  Swiss  Step  1  Example  II:  Russia   Example  I:  German   Logis'c  Company   Fidor  Set  Up  Full  Scope   Used  by  Fidor  Bank  as   show  case.   Core  Banking   Level   LAYERS   Partners can make their choice out of a unique and modular Product and Service Tool Box.
  28. 28. Excellent!
  29. 29. Table of content Confiden'al  Informa'on    Page  29   I.  Fidor  Bank:  Facts  &  figures   II.  Fidor  Bank‘s  business  model   III.  The  applica'on     IV.  fidorOS   V.  fidorOS  sells   VI.  fidorOS  partner  opportuni'es      
  30. 30. Partner  opportuni'es     I)  App  partner  –  create  an  mobile/web  app  on  top  on  fidorOS  API   II)  In-­‐Account-­‐App  partner  –  create  an  fidorOS  applica'on   III)  Implementa'on  partner  –  implementa'on  and  customiza'on  of  fidorOS     IV)  Opera'ng  partner  –  opera'ng  fidorOS  in  your  data  center   V)  fidorOS  Reseller   There multiple opportunities to become a partner
  31. 31. Contact Sandstraße 33, 80335 Munich | Germany E-Mail: schwab@fidor.de  Web: www.FidorTecS.de  Skype: fjschwab Frank  Schwab  –  CEO  Fidor  TecS  AG    

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