FinTech Forum D A CH 
November 22nd 2013 
Frankfurt am Main, Germany 
www.FinTechForum.de
"Stocks have 
reached what looks 
like a permanently 
high plateau.“ 
Irving Fisher, 
Professor of Economics, 
Yale Univer...
Dow Jones Industrial Average (1900 to Present) 
Source: StockCharts.com
"There is no reason 
anyone would want 
a computer 
in their home.“ 
Ken Olson, 
president, chairman and founder of 
Digit...
“A computer in every home.” 
Bill Gates as a teenager
Sir Winston Leonard Spencer-Churchill 
It is difficult to make 
predictions, 
especially about the 
future
“We need banking, 
no banks” 
(1999)
Number of US Banks 
1990 2000 2011 
Source: FDIC 
16,000 
8;000
Number of German Banks 
1990 2000 2011 
Source: Deutsche Bundesbank 
4,500 
2,000 
0
Mega trends in Banking 
Consolidation
Regulation 
Basel II 
Basel III 
SolvV 
MiFID I 
MiFID II 
Dodd Frank 
AML SOX 
Basel I 
FATCA 
SEPA
Mega trends in Banking 
Increase of 
regulatory requirements 
Consolidation
Digital Natives
Smartphones are used always and everywhere 
Listen to 
music 
72% Watching TV 
Playing 
Video Games 
Reading 
books 
Readi...
Mega trends in Banking 
Increase of 
regulatory requirements 
Changing 
customer behaviour 
Consolidation
000100 IDENTIFICATION DIVISION. 
000200 PROGRAM-ID. HELLOWORLD. 
000300 
000400* 
000500 ENVIRONMENT DIVISION. 
000600 CON...
IBM Mainframe 
AIX Server Server Farm Any technology 
of each and every decade 
Sun Server 
Tandem 
Intel blade 
Thin clie...
Current 
CBS transformations 
often introduce 
old technology
Banks keep the 
status quo
Mega trends in Banking 
Increase of 
regulatory requirements 
Changing 
customer behaviour 
Legacy technology Consolidatio...
Traditional Banks
“The future is always 
here 
- it’s just not evenly 
distributed yet.” 
- William Gibson, Fiction Novelist
Attacker
FinTech Startups D-A-CH Study 
n = 100
Financial centres like Frankfurt, Munich 
and Zürich make a strong appearance 
25 
20 
15 
10 
5 
0 
Split by Location Clu...
For a lending- and risk-averse region, 
relatively high number of crowdfunding/ 
crowdinvesting, lending and trading sites...
About 10 % SMEs 
0 10 20 30 40 50 
51 to 200 
11 to 50 
1 to 10 
Split by Size (No. of Staff)
A jump in the number of startups founded 
just after 2008-09 
25 
20 
15 
10 
5 
0 
Split by Year Founded 
Older Y-2008 Y-...
Agenda 
10:00 – 10:30 Registration 
10:30 – 10:50 Keynote 
10:50 – 12:30 7 Minutes Presentations 
12:30 – 13:30 Lunch Buff...
7 Minutes Presentations 
Daniel Schäfer United Signals 
Christopher Kampshoff Lendstar 
Johannes Cremer moneymeets 
Andrea...
Sponsors 
http://www.keacompany.com 
http://www.BankITX.com
Frank.Schwab@FinTechForum.de
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH Keynote Frank Schwab
FinTech Forum DACH Keynote Frank Schwab
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FinTech Forum DACH Keynote Frank Schwab

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FinTech Forum DACH is the first event focused on Germany, Austria and Switzerland, with the mission to identify innovators and disruptors in the Financial Services sector and bring them together with high-calibre investors.

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FinTech Forum DACH Keynote Frank Schwab

  1. 1. FinTech Forum D A CH November 22nd 2013 Frankfurt am Main, Germany www.FinTechForum.de
  2. 2. "Stocks have reached what looks like a permanently high plateau.“ Irving Fisher, Professor of Economics, Yale University, 1929
  3. 3. Dow Jones Industrial Average (1900 to Present) Source: StockCharts.com
  4. 4. "There is no reason anyone would want a computer in their home.“ Ken Olson, president, chairman and founder of Digital Equipment Corp., 1977
  5. 5. “A computer in every home.” Bill Gates as a teenager
  6. 6. Sir Winston Leonard Spencer-Churchill It is difficult to make predictions, especially about the future
  7. 7. “We need banking, no banks” (1999)
  8. 8. Number of US Banks 1990 2000 2011 Source: FDIC 16,000 8;000
  9. 9. Number of German Banks 1990 2000 2011 Source: Deutsche Bundesbank 4,500 2,000 0
  10. 10. Mega trends in Banking Consolidation
  11. 11. Regulation Basel II Basel III SolvV MiFID I MiFID II Dodd Frank AML SOX Basel I FATCA SEPA
  12. 12. Mega trends in Banking Increase of regulatory requirements Consolidation
  13. 13. Digital Natives
  14. 14. Smartphones are used always and everywhere Listen to music 72% Watching TV Playing Video Games Reading books Reading newspapers Internet Source: Market Simplified
  15. 15. Mega trends in Banking Increase of regulatory requirements Changing customer behaviour Consolidation
  16. 16. 000100 IDENTIFICATION DIVISION. 000200 PROGRAM-ID. HELLOWORLD. 000300 000400* 000500 ENVIRONMENT DIVISION. 000600 CONFIGURATION SECTION. 000700 SOURCE-COMPUTER. RM-COBOL. 000800 OBJECT-COMPUTER. RM-COBOL. 000900 001000 DATA DIVISION. 001100 FILE SECTION. 001200 100000 PROCEDURE "Hello DIVISION. world!" 100100 100200 MAIN-LOGIC SECTION. 100300 BEGIN. 100400 DISPLAY " " LINE 1 POSITION 1 ERASE EOS. 100500 DISPLAY "Hello world!" LINE 15 POSITION 10. 100600 STOP RUN. 100700 MAIN-LOGIC-EXIT. 100800 EXIT.
  17. 17. IBM Mainframe AIX Server Server Farm Any technology of each and every decade Sun Server Tandem Intel blade Thin clients Fat clients
  18. 18. Current CBS transformations often introduce old technology
  19. 19. Banks keep the status quo
  20. 20. Mega trends in Banking Increase of regulatory requirements Changing customer behaviour Legacy technology Consolidation
  21. 21. Traditional Banks
  22. 22. “The future is always here - it’s just not evenly distributed yet.” - William Gibson, Fiction Novelist
  23. 23. Attacker
  24. 24. FinTech Startups D-A-CH Study n = 100
  25. 25. Financial centres like Frankfurt, Munich and Zürich make a strong appearance 25 20 15 10 5 0 Split by Location Clusters
  26. 26. For a lending- and risk-averse region, relatively high number of crowdfunding/ crowdinvesting, lending and trading sites Split by FinTech Type 0 5 10 15 20 25 Security Personal Financial Payments Data Analytics Crowdfunding/Crowdinvesting Capital Markets/Trading Banking & Corporate Finance
  27. 27. About 10 % SMEs 0 10 20 30 40 50 51 to 200 11 to 50 1 to 10 Split by Size (No. of Staff)
  28. 28. A jump in the number of startups founded just after 2008-09 25 20 15 10 5 0 Split by Year Founded Older Y-2008 Y-2009 Y-2010 Y-2011 Y-2012 Y-2013
  29. 29. Agenda 10:00 – 10:30 Registration 10:30 – 10:50 Keynote 10:50 – 12:30 7 Minutes Presentations 12:30 – 13:30 Lunch Buffet & Networking 13:30 – 14:30 Roundtable Discussion 14:30 – 15:30 Coffee break & Networking 15:30 – 17:00 7 Minutes Presentations
  30. 30. 7 Minutes Presentations Daniel Schäfer United Signals Christopher Kampshoff Lendstar Johannes Cremer moneymeets Andreas Kern wikifolio Ismail Chaib Open Bank Project Timur Peters Debitos Roger Fromm Investory Michael Mellinghoff Sharewise Erik Bogaerts Naqoda Dominique Riedl justETF Michael Klein FINPOINT Dr. Levin Brunner mashup finance Thomas Kirst moneygarden Stefan Seedorf synchronite Daniel Horak CONDA
  31. 31. Sponsors http://www.keacompany.com http://www.BankITX.com
  32. 32. Frank.Schwab@FinTechForum.de

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