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A new experience of online savings management by Ken Van Esbeek - FinTech Belgium Summit 2016

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A new experience of online savings management
Ken Van Esbeek, Birdee
FinTech Belgium Summit 2016

Published in: Business
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A new experience of online savings management by Ken Van Esbeek - FinTech Belgium Summit 2016

  1. 1. A new experience of online savings management www.birdeeinstitutional.com POWERED BY GAMBIT
  2. 2. Branch banking is on its way back… … BUT ITS NOT DEAD 1 Average visits per year BNP: 2.4 ING: 4 KBC: 3 Argenta: 4-6 Belfius: 3-4 * De Tijd, Netto, 8/10/2016
  3. 3. Mobile banking is not new… … BUT SOME SERVICES ARE LACKING BEHIND 2 Digital Interaction with the bank BE: 63% NL: 98% * De Tijd, Netto, 8/10/2016
  4. 4. 2 Challenges 2 Solutions
  5. 5. • Advisor - client relationship • Off-line and on-line • Bank Products • Implementation, integration, change management, training, etc. Guided Journey • Stand-alone product • Next to existing services or incorporated • Includes a complete client journey • Can be coupled to core banking platform 100% Digital Journey 1 2
  6. 6. PORTFOLIOTwo birds B2C Solution Experts via chat Launch : End 2016 B2B Solution Modular Fully Integrated Launched : January 2016
  7. 7. Specialized in Algorithms Academic background 50 employees 8 FIs 4 countries 700K retail investors 50billion AuM Proven Experience GAMBIT FINANCIAL SOLUTIONS We didn’t start from scratch
  8. 8. PORTFOLIO So…. What is it like? Show me the money.
  9. 9. Birdee Dashboard 360° overview of client portfolios, tasks and advices Advice validation Can validate a proposal prepared by an advisor Alerts & Newsfeed Push notifications: Personalized advices and/or general news Onboarding Process Including MiFID profiling and KYC 100% online Less than 10 min My Portfolios Client portfolio analysis Investment goal monitoring Communication Customer communication platform Track and filter live customer data
  10. 10. Investment Themes Reconnect with your money Sustainable developme nt European SMEs Real estate And of course… also on mobile Bio-tech
  11. 11. Risk ROBO-ADVICE Not just a robot… Correlations Constraints Investment Universe Expected Returns Objective Risk ProfileTime Horizon Invested amount Investor Seismograph
  12. 12. Optimization Optimal Allocation Rebalancing Result
  13. 13. Regular Investment Keep it simpleFill the Gap 03 Timing the market is very difficult. So don’t try, but invest regularly. 02 The algorithm is advanced, maintaining a diversified portfolio, but keeps it simple for the client. , etc. 01 Fill gap between a Cash account (negative return) and a fund (complex) 04 It is an important driver of performance. Low cost ETFs help with that. Keep the cost low Why Birdee
  14. 14. PORTFOLIO Thank you @birdee_cowww.birdee-institutional.com info@birdee.coBirdee

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