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Digital transformation of the German banking industry, January 2017, english

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Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...

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Digital transformation of the German banking industry, January 2017, english

  1. 1. Digital transformation Frank Schwab, January 2017 German banking industry
  2. 2. Year 2000
  3. 3. 2002 2015 ING*DiBa benefits from 1st digital wave Customers 1.8 millions 8.5 millions Profits -4 millions EUR 1,115 millions EUR Employees 914 3.749 FrankSchwabSpeaks.com Source: annual reports ING*DiBa
  4. 4. ING*DiBa – 10x business volume 2002 2015 Deposits in billion EUR 19.2 121.1 Loans in billion EUR 4.6 98.0 2002 2015 FrankSchwabSpeaks.com Source: annual reports ING*DiBa
  5. 5. PayPal 2x Deutsche Bank Market cap, Nov 2016 [in billion EUR] 17 Deutsche Bank 44 PayPal Deutsche Bank PayPal Customers 25,000,000 169,000,000 APIs 0 > 25 Employees 100,000 8,000
  6. 6. 1st Welle
  7. 7. But
  8. 8. No Business model
  9. 9. 2017
  10. 10. IBM Mainframe Sun Server Intel blade Thin clients Fat clients AIX Server Server Farm
  11. 11. Investment needs
  12. 12. No interest rate business
  13. 13. Profits
  14. 14. Roland Berger FinTech Study, March 2016
  15. 15. Alipay
  16. 16. 2015 289 millions mobile user / month 8.5 millions merchants 52orders per user per year 24,000 employees
  17. 17. > 400 FinTechs
  18. 18. Crowd
  19. 19. 1 million EUR in 9 minutes and 23 seconds
  20. 20. Fidor: Facebook Like Interest Rate
  21. 21. Peer to peer
  22. 22. Crypto
  23. 23. 642 currencies 703 exchanges
  24. 24. 10 % -8
  25. 25. Blockchain
  26. 26. Blockchain time Public register Transaction blocks
  27. 27. Smart Contracts Public register Transaction block with conditions Condition Example Shares: dividend payment
  28. 28. Smart Contracts – Example car finance
  29. 29. AI ^
  30. 30. Amelia, Source: IPSoft IT Service Desk Agent SEB Bank 3 weeks 700 employees 4,000 calls
  31. 31. Robo advisory
  32. 32. Over rated Gartner Hype Cycle
  33. 33. Over rated Under rated Gartner Hype Cycle
  34. 34. Mobile
  35. 35. Proceses 100% STP
  36. 36. < 60 seconds
  37. 37. Cloud
  38. 38. API
  39. 39. Plattform
  40. 40. All just hype?
  41. 41. 36
  42. 42. BPO; 396 Insurance; 1.515 FinHCIT; 2.087 FinMgmtSol; 4.173 IB / Wealth; 4.702 Banking/Lending; 9.296 Payments/Ecommerce; 13.543 36 billions USD in FinTech investments in 2016 [in million USD] 1.525 transactions 337 432 293 186 141 10531 FrankSchwabSpeaks.com Source: Financial Technology Partners
  43. 43. D.A.CH FinTech scene overtook the UK - with over $1,3B investments (VC + venture debt) in 2015 2.50% 13.9% 150% Banking% 9.40% 20% 0,7% 5.5%2% Lending% 358% 1% 0.5% 10% 20% 14.20% 5% 230% 49.8% 0.5% Insurance% 1% 3.5% 7% Investment% 5.5% 10% 0.27% 2% 4% 0.6% 1.6% Blockchain%/%Other% *%Source:%%TechFluence% Payment% 150% Chart shows funding in € mn. Estimates based on disclosed deals only- no liability for errors.
  44. 44. Customer paymentsSecurities Loans Deposits
  45. 45. PayPal further develops its business step by step 2000 2006 2010 2015 Online payments P2P Account Cards Loans POS Cash FrankSchwabSpeaks.com Source: annual reports PayPal
  46. 46. IT defines retail banking of the future = new KPIs
  47. 47. IT costs per user per year in USD 200 Tier 1/2 Bank eBay 7,4 Facebook 3,8 Google 3,4 FinTech 10 FrankSchwabSpeaks.com Source: annual reports
  48. 48. Customer acquisition costs in EUR 50 - 200 Traditional banks FinTech 5 - 25
  49. 49. What do German banks do?
  50. 50. Commerzbank Startup-Garage Comdirect Venture Capital CommerzVentures Main Incubator Commerzbank
  51. 51. UniCredit / HVB 45 millions EUR invested in 2016
  52. 52. DZ Bank / German union banks: Hackathon, March 2016 Source: https://twitter.com/dzbank/status/705424223838146560/photo/1?ref_src=twsrc%5Etfw
  53. 53. Quo vadis?
  54. 54. 2030
  55. 55. Loans Assets Payments Banking Services
  56. 56. R I P
  57. 57. New banking products build on new technologies Crowd P2P Crypto Cloud API ^ AI MobileBlockchain Plattform FrankSchwabSpeaks.com
  58. 58. Diffusion of innovation Longer than we think Faster than we think time diffusion
  59. 59. Banking disrupted New Traditional BankingService NewTechnologyLegacy Niche Financial infrastructure provider Er Successful disruptors FrankSchwabSpeaks.com
  60. 60. German retail banking 2030 2015 2030 Saving banksPrivate banks Union banks FinTechs Non Banks FrankSchwabSpeaks.com
  61. 61. Frank@FrankSchwab.de

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