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2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3

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«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.

Views expressed in this presentation are my own.

Published in: Economy & Finance
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2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3

  1. 1. Branch Internet Mobile Digital Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1
  2. 2. Second Chapter What is a Financial service startup and what does Fintech mean?
  3. 3. Brett King – Speaker, Author, Radio Host, Innovator & Founder of Moven Chris Skinner – Digital bank guru, Speaker, Author & blogger Matthias Kröner – CEO @Fidor Bank Michal Panowicz – Former Managing Director, Marketing & Business Development @mBank, now @Nordea Bank INNOVATORS
  4. 4. PIRANHA? FINTECH
  5. 5. • Citazione Dimon Sees “WHEN I GO TO SILICON VALLEY…THEY ALL WANT TO EAT OUR LUNCH. EVERY SINGLE ONE OF THEM IS GOING TO TRY.” JAMIE DIMON - CEO JP
  6. 6. Banking PoS Electronic money PaymentsLending Insurance Personal Finance Advisory
  7. 7. Banking PoS Electronic money PaymentsLending Insurance Personal Finance Advisory
  8. 8. Fintech Start up Digital Leaders BANKS
  9. 9. Online + Mobile + Alternative deposit - 17% Alternative payments + issuance fee reduction - 6% Direct/peer to peer mortage providers - 5% Price comparison portals + fee reduction - 3% Fonte: Accenture «Everyday Banking» Research, 2014 Payment & credit cards Deposit & current Account Lending Asset management IMPACT OF FINTECH ON BANKS’ REVENUE
  10. 10. 3.000 STARTUPS WORLDWIDE 3 BILLIONS US$ INVESTED
  11. 11. Fintech - Pagamento 1. PAYMENTS
  12. 12. Fintech - Advisory • Personal capital 2. ADVISORY
  13. 13. Fintech - Lending 3. LENDING
  14. 14. P2P MARKET WORTHS A TRILLION US$
  15. 15. Fintech - Lending WHY SO HAPPY?
  16. 16. Fintech - Lending 9 BILLIONS US$ VALUATION AFTER IPO
  17. 17. Fintech – Scoring & Funding 4. LOANS
  18. 18. 5. CROWDFUNDING
  19. 19. 6. SERVICES
  20. 20. 7. BIGDATA
  21. 21. FINTECH’S STRENGTHS
  22. 22. BETTER STRONGER FASTER CHEAPER
  23. 23. “IF SOMETHING IS IMPORTANT ENOUGH, EVEN IF THE ODDS ARE AGAINST YOU, YOU SHOULD STILL DO IT.” ELON MUSK CEO TESLA & SPACEX
  24. 24. P2P LENDING
  25. 25. Traditiona llending
  26. 26. Traditiona llending Lending amongst friends
  27. 27. Traditiona llending Lending amongst friends Risk P2P lending
  28. 28. Fintech - Lending US$ 9.000.000.000
  29. 29. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
  30. 30. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
  31. 31. Fonte: Lending memo, http://www.lendingmemo.com/ su elaborazione Investor relations 2014 di Wells Fargo e Lending Club
  32. 32. FINTECHS HAVE LOWER COSTS
  33. 33. https://www.lendingclub.com/info/statistics.ac tion https://www.lendingclub.com/ FINTECHS USE DATA. BIGDATA
  34. 34. US$ 1.000.000.000.000*
  35. 35. WHAT IF WE PUT MONEY IN P2P PLATFORMS?
  36. 36. Fintech - Pagamento PAYMENTS
  37. 37. +
  38. 38. +
  39. 39. SP in the next 5 years…Worldwide!
  40. 40. BANKING
  41. 41. “WE BUILT AN INDUSTRY ON THE PHYSICAL DISTRIBUTION OF PAPER IN A LOCALIZED WORLD, AND WE’RE NOW HAVING TO GET TO GRIPS WITH THE DIGITAL DISTRIBUTION OF DATA IN A NETWORKED WORLD.” CHRIS SKINNER
  42. 42. Fidor e M. Kroner + slogan
  43. 43. Fidor: from latin fidere, «you can count on it»
  44. 44. Fidor Bank: «Banking mit Freunden»
  45. 45. “THE FIDOR SMART ACCOUNT KILLS THE TRADITIONAL BANK ACCOUNT, LIKE THE SMARTPHONE KILLED THE MOBILE PHONE” M. KROENER - CEO FB
  46. 46. 1. COMMUNITY
  47. 47. 2. COLLABORATION
  48. 48. 3. CROWDFUNDING
  49. 49. 4. P2P LENDING
  50. 50. 5. SOCIAL NETWORK
  51. 51. 6. PAYMENTS
  52. 52. FINTECHS HAVE LOWER COSTS
  53. 53. Traditional Bank vs Average cost for a KYC Customer
  54. 54. LESSONS FROM FINTECH
  55. 55. CLEAR VISION
  56. 56. SMART STRATEGY
  57. 57. UX AS A VALUE
  58. 58. Design-driven change management Loan process in 30 s? Organisational change BusinessIT Risk management Legal Compliance SecurityAudit Supervisor ZBP Others DESIGN-DRIVE CHANGE MANAGEMENT
  59. 59. OPEN ARCHITECTURE
  60. 60. LEAN APPROACH
  61. 61. Ok, but how can Banks take advantage of Fintechs?
  62. 62. Interested? Don’t miss on slideshare the third chapter of Branch, Internet, Mobile, Digital that explores some of the smartest strategies adopted by wise banks.
  63. 63. Let’s keep in touch!
  64. 64. LINKEDIN: LINKEDIN.COM/IN/ALESSIOBONETTI
  65. 65. TWITTER: @B0N3TT1
  66. 66. Disclaimer «Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services. Views expressed in this presentation are my own.
  67. 67. Branch Internet Mobile Digital Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1

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