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© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 1
TECHNOLOGICAL 

DISRUPTION IN BANKING:

NAVIGATING THE FUTURE OF DIGITAL
VTB Capital
October 26, 2017
Moscow, Russia
Monty C. M. Metzger

Partner, Digital Leaders Ventures

Chairman, DigitalLeaders.co
web www.monty.de
twitter @montymetzger
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 2
Will technology disrupt banking

as we know it?
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 3
Tipping Point for
Banking and Finance
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 6
MONTY.deMonty C. M. Metzger 

Twitter: @montymetzger
Founder Internet Agency in 1997, 

while still at school - at the age of 18
Studied Economics and electronic Marketing 

in Germany & Switzerland.
Founder Future Research Company (2003) with offices in New
York, Munich, Beijing and Tokyo - Exit 2008.
Book: Mobile 2020 - A Vision of the future of mobile
communication for the year 2020. (published 2009)
Founder Digital Leaders (2013) as a network of influential leaders
in technology, hosting executive tour programs & conferences.
www.DigitalLeaders.co
Founding Partner Digital Leaders Ventures (2014) - Technology
Venture Fund headquartered in Luxembourg www.DLV.vc
Strategic Partner at the FIA Smart Cities - Global Startup Contest
held alongside the Formula E racing series globally.
Bitcoin Investor since 2013
DLV to launch several Blockchain & Bitcoin related fund projects.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 22
1. Revolution
Steam, Water,
Mechanics
1780+
2. Revolution
Electricity, Machines,
Mass-Production
1870+
3. Revolution
Computer, Electronics,
Internet, Mobilphones
1950+
4. Revolution
Internet of Value

Blockchain, 

Bitcoin & Co
2010+
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 23
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 24
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 25
Demanding Consumers
in a world of algorithms and data
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 26
MONTY.de
We are drowning in data,
but starving in wisdom.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 27
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 28
445m
Subscribers
101,443
employees
$82 bn
Company Value
$0.8m

Value per employee
MONTY.de
Digital Business

Exponential efficiency?
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 29
WhatsApp
445m
Subscribers
101,443
employees
$82 bn
Company Value
$0.8m

Value per employee
$19bn
Company Value
1bn
Active Users
MONTY.de
Digital Business

Exponential efficiency?
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger
Digital Business

Exponential efficiency?
30
WhatsApp
55
employees
445m
Subscribers
101,443
employees
$82 bn
Company Value
$0.8m

Value per employee
$345.5m

Value per employee
$19bn
Company Value
1bn
Active Users
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 31
MONTY.de
Digital Business

What do these companies have in common?
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 32
MONTY.de
Uber, the world’s largest taxi
company, owns no vehicles.
Facebook, the world’s most
popular media owner, creates
no content.
Alibaba, the most valuable
retailer, has no inventory.
Airbnb, the world’s largest
accommodation provider,
owns no real estate.
Digital Business

What do these companies have in common?
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 33
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 34
How to adapt the 

Silicon Valley Mindset?
MONTY.de
© 2016 Ahead of Time GmbHAhead of Time 35
Lean & Quick
LEAN 

THINKING
WARNING:
Contains common sense.
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 36
Trial & Error
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 37
Moonshot Thinking
Exponential Thinking
10x
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 38
Moonshot Thinking
Exponential Thinking
10x
Huge 

Problem
Breakthrough
Technology
Radical

Solution
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 41
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 42
Digital 

Technology
Digital 

Busines D
igital

Leadership
D
igital

C
ustom
e
MONTY.de
AI
Blockchain
Robotics
Drones
VR / AR
Communication
FinTech
HealthTech
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 43
Digital 

Technology
Digital 

Busines D
igital

Leadership
D
igital

C
ustom
e
MONTY.de
AI
Blockchain
Robotics
Drones
VR / AR
Communication
HealthTech
FinTech
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 45
In BLOCKCHAIN we trust,
for all the rest we use
ARTIFICIAL INTELLIGENCE.
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 47
Mobile Payments
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 48
MONTY.de
India’s $4 Freedom Phone
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 49
Mobile Payments
MONTY.deMONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 50
MONTY.de
PayKey
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 51
MONTY.de
‚A peer-to-peer electronic cash system‘
Satoshi Nakamoto, October 2008
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 52
Cryptocurrencies
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 53
Blockchain
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 54
Blockchain
MONTY.de
A blockchain is an electronic distributed ledger or list of
entries – much like a stock ledger – that is maintained
by various participants in a network of computers.
SEC
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger
The new technology of trust.
Goldman Sachs
55
Blockchain
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 56
Blockchain is to the money, 

what Email was to the letter.
MONTY.deMONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 57
Blockchain
Commerce - Accepting Bitcoin for payments
Loyalty Program - Instant Trusted Ledger
Identification - Authentication
E-Residency - Estonia eCitizenship
Energy - Peer 2 Peer Energy Trading
What impact will Blockchain 

have on Finance and Banking?
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 58
Blockchain
MONTY.de
Source: Global Blockchain Benchmarking Study 

Cambridge University, 2017
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 59
CryptoCurrencies
MONTY.de
Besides Bitcoin there are more than 

1.000 other CryptoCurrencies all based on Blockchain
Ethereum, BitcoinCash, Litecoin, Zcash, Ripple, Bancor, etc.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 60
CryptoCurrencies
MONTY.de
For the first time in the history of the world, anyone can
now send or receive any amount of money with
anyone else, anywhere, instantly, basically for free,
and it is impossible for anyone to stop them.
Roger Ver, Bitcoin Expert
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 61
bitcoin
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 62
First fully decentralised and open
currency in combination with a
payment protocol network and 

build in trust.
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 63
First fully decentralised and open
currency in combination with a
payment protocol network and 

build in trust.
MONTY.de
A decentralized peer-to-peer network 

> The bitcoin processing power.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 64
First fully decentralised and open
currency in combination with a
payment protocol network and 

build in trust.
MONTY.de
A public transaction ledger as a public record of all
transactions
> The blockchain.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 65
First fully decentralised and open
currency in combination with a
payment protocol network and 

build in trust.
MONTY.de
A protocol and math-based network setting of rules for
independent transaction validation 

> The bitcoin protocol.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 66
First fully decentralised and open
currency in combination with a
payment protocol network and 

build in trust.
MONTY.de
The integrity of this ledger is backed and secured by a
of the subnetwork of computers who audit and archive its
transactions for a reward.
> Proof-of-Work algorithm (Mining)
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 67
MONTY.de
Turning „don’t be evil“
into „can’t be evil“
no company… no middleman … like a language
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 68
Internet of Value
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 69
Value of Bitcoin
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 70
Value of Bitcoin
MONTY.de
Gold?

Many common aspect of bitcoin and Gold - 

both is scare, durable and not widely used
But bitcoin has some advantages - 

it’s divisible, portable, easy to store, 

difficult to counterfeit
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 71
Value of Bitcoin
MONTY.de
Money?

According to the IMF Bitcoin fulfils at least two
of the three primary requirements of money
already today
YES store of value
YES medium of exchange
NO accepted by sovereign governments

> But that is also changing.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 72
Value of Bitcoin
MONTY.de
Amazon:

Revenue 2016: $140 billion - 3% average
transaction fees are approx. $4+ billion a year.
Profits are $ 4+billion per year. 

Amazon could double their profits 

by doing all transactions in Bitcoin.
Amazon could create a own currency 

to increase loyalty, reduce costs and 

empower their market place with 3rd party
vendors.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 73
Value of Bitcoin
MONTY.de
Remittances:

International remittance is the transfer of
money by a foreign worker to their home
country.
In 2016 global remittances were 

over $600+ billion dollars.
Western Union fees for remittance can run
from about 4 percent to 20 percent or more.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 74
Value of Bitcoin
MONTY.de
Status:

Bitcoin has currently approx. 15 Million Users

with approx. 70 Million Wallets.

There are approx. 14 Million Bitcoin in the
market as of today.
The supply of bitcoins is fixed at 21 million and
each bitcoin can be divided into a hundred
million pieces.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 75
Value of Bitcoin
MONTY.de
Status Quo:

Bitcoin Market Cap of $100 Billion USD
Approx. $1 billion daily transaction volume,
which is >50% of cryptocurrency market.
Bitcoin passed $ 6.000 USD 

on October 21st 2017.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 76
Value of Bitcoin
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 77
Value of Bitcoin
MONTY.de
Uplift via Financial Crisis:

Cyprus 2013:
Cyprus freezes all bank accounts, restricting
all withdrawals and transfers of money.
Crisis introduces bitcoin to the world as an
asset class immune to bail-ins and fiscal
mismanagement; price of a bitcoin increases
10x.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 78
Blockchain
Opportunities
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 79
Opportunities for Banks & Central Banks
‣ Asset Transfer
‣ Clearning and Settlement of Securities
‣ Financial messaging system
‣ Syndicated loans
‣ Trade finance
MONTY.de
63% of Central Banks are
involved in trials or projects
Source: Global Blockchain Benchmarking Study 

Cambridge University, 2017
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 80
Banking the Un-Banked
‣ 2.5 Billion adults (half the global population) 

are underbanked/ unbanked.
‣ 2/3 of the unbanked do not have enough 

money to use a bank.
‣ A Bitcoin wallet allows anyone to send and 

receive money, much like a bank account, 

only quicker and without fees.
‣ A Bitcoin wallet is free - all you need is 

Internet access or a data connection.
MONTY.de
World Bank Financial Inclusion 2011
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 81
bitcoin 1x1
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 82
Be your own Bank
Get started with Bitcoin in 5 Min
MONTY.de
Bitcoin will be accepted in over 

300.000 stores in Japan in 2017.
1. Get A Wallet
2. Buy / Trade Coins
3. Spend Bitcoins, 

Invest in ICOs or other Crypto Coins
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 83
Keep it save
Offline Bitcoin Wallets
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 84
ATM Network
1.700 + Bitcoin ATMs globally
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 85
ICOs
Blockchain Equity funding vs. ICO Funding
MONTY.de
Initial coin offerings have raised more than $2B in
2017 YTD. More than 250 ICOs have taken place since
January 2016, with total ICO deals and funding increasing
at a faster clip than traditional equity deals and dollars.
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 86
Bitcoin Ecosystem
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 87
Mining
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 88
Mining
‣ Open: Proof-of-Work algorithm (mining)
‣ Security: Provides security and stability
‣ Power: exceeds the combined processing power
of the world’s top supercomputers.
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 89
Bitcoin Mining
A behind the scene look
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 90
Mining
= Big Business 

= Real Money
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 91
Will technology disrupt banking

as we know it?
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 92
Digital 

Technology
Digital 

Business
D
igital

Leadership
D
igital

C
ustom
er
MONTY.de
Digital Leaders 

Formula
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 93
New Era of the 

Internet of Value
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 94
„Now.
It’s one of those moments
where you can change 

the future.“
@montymetzger
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 95
The Future is Now.
@montymetzger
MONTY.de
© 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 96
TECHNOLOGICAL 

DISRUPTION IN BANKING:

NAVIGATING THE FUTURE OF DIGITAL
VTB Capital
October 26, 2017
Moscow, Russia
Monty C. M. Metzger

Partner, Digital Leaders Ventures

Chairman, DigitalLeaders.co
web www.monty.de
twitter @montymetzger
MONTY.de

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Technological Disrupting in Banking: Navigating the Future of Digital

  • 1. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 1 TECHNOLOGICAL 
 DISRUPTION IN BANKING:
 NAVIGATING THE FUTURE OF DIGITAL VTB Capital October 26, 2017 Moscow, Russia Monty C. M. Metzger
 Partner, Digital Leaders Ventures
 Chairman, DigitalLeaders.co web www.monty.de twitter @montymetzger MONTY.de
  • 2. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 2 Will technology disrupt banking
 as we know it? MONTY.de
  • 3. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 3 Tipping Point for Banking and Finance MONTY.de
  • 4. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 6 MONTY.deMonty C. M. Metzger 
 Twitter: @montymetzger Founder Internet Agency in 1997, 
 while still at school - at the age of 18 Studied Economics and electronic Marketing 
 in Germany & Switzerland. Founder Future Research Company (2003) with offices in New York, Munich, Beijing and Tokyo - Exit 2008. Book: Mobile 2020 - A Vision of the future of mobile communication for the year 2020. (published 2009) Founder Digital Leaders (2013) as a network of influential leaders in technology, hosting executive tour programs & conferences. www.DigitalLeaders.co Founding Partner Digital Leaders Ventures (2014) - Technology Venture Fund headquartered in Luxembourg www.DLV.vc Strategic Partner at the FIA Smart Cities - Global Startup Contest held alongside the Formula E racing series globally. Bitcoin Investor since 2013 DLV to launch several Blockchain & Bitcoin related fund projects.
  • 5. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 22 1. Revolution Steam, Water, Mechanics 1780+ 2. Revolution Electricity, Machines, Mass-Production 1870+ 3. Revolution Computer, Electronics, Internet, Mobilphones 1950+ 4. Revolution Internet of Value
 Blockchain, 
 Bitcoin & Co 2010+ MONTY.de
  • 6. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 23 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 7. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 24 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 8. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 25 Demanding Consumers in a world of algorithms and data MONTY.de
  • 9. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 26 MONTY.de We are drowning in data, but starving in wisdom.
  • 10. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 27 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 11. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 28 445m Subscribers 101,443 employees $82 bn Company Value $0.8m
 Value per employee MONTY.de Digital Business
 Exponential efficiency?
  • 12. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 29 WhatsApp 445m Subscribers 101,443 employees $82 bn Company Value $0.8m
 Value per employee $19bn Company Value 1bn Active Users MONTY.de Digital Business
 Exponential efficiency?
  • 13. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger Digital Business
 Exponential efficiency? 30 WhatsApp 55 employees 445m Subscribers 101,443 employees $82 bn Company Value $0.8m
 Value per employee $345.5m
 Value per employee $19bn Company Value 1bn Active Users MONTY.de
  • 14. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 31 MONTY.de Digital Business
 What do these companies have in common?
  • 15. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 32 MONTY.de Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. Airbnb, the world’s largest accommodation provider, owns no real estate. Digital Business
 What do these companies have in common?
  • 16. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 33 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 17. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 34 How to adapt the 
 Silicon Valley Mindset? MONTY.de
  • 18. © 2016 Ahead of Time GmbHAhead of Time 35 Lean & Quick LEAN 
 THINKING WARNING: Contains common sense. MONTY.de
  • 19. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 36 Trial & Error MONTY.de
  • 20. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 37 Moonshot Thinking Exponential Thinking 10x MONTY.de
  • 21. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 38 Moonshot Thinking Exponential Thinking 10x Huge 
 Problem Breakthrough Technology Radical
 Solution MONTY.de
  • 22. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 41 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 23. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 42 Digital 
 Technology Digital 
 Busines D igital
 Leadership D igital
 C ustom e MONTY.de AI Blockchain Robotics Drones VR / AR Communication FinTech HealthTech
  • 24. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 43 Digital 
 Technology Digital 
 Busines D igital
 Leadership D igital
 C ustom e MONTY.de AI Blockchain Robotics Drones VR / AR Communication HealthTech FinTech
  • 25. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 45 In BLOCKCHAIN we trust, for all the rest we use ARTIFICIAL INTELLIGENCE. MONTY.de
  • 26. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 47 Mobile Payments MONTY.de
  • 27. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 48 MONTY.de India’s $4 Freedom Phone
  • 28. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 49 Mobile Payments MONTY.deMONTY.de
  • 29. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 50 MONTY.de PayKey
  • 30. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 51 MONTY.de ‚A peer-to-peer electronic cash system‘ Satoshi Nakamoto, October 2008
  • 31. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 52 Cryptocurrencies MONTY.de
  • 32. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 53 Blockchain MONTY.de
  • 33. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 54 Blockchain MONTY.de A blockchain is an electronic distributed ledger or list of entries – much like a stock ledger – that is maintained by various participants in a network of computers. SEC
  • 34. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger The new technology of trust. Goldman Sachs 55 Blockchain MONTY.de
  • 35. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 56 Blockchain is to the money, 
 what Email was to the letter. MONTY.deMONTY.de
  • 36. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 57 Blockchain Commerce - Accepting Bitcoin for payments Loyalty Program - Instant Trusted Ledger Identification - Authentication E-Residency - Estonia eCitizenship Energy - Peer 2 Peer Energy Trading What impact will Blockchain 
 have on Finance and Banking? MONTY.de
  • 37. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 58 Blockchain MONTY.de Source: Global Blockchain Benchmarking Study 
 Cambridge University, 2017
  • 38. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 59 CryptoCurrencies MONTY.de Besides Bitcoin there are more than 
 1.000 other CryptoCurrencies all based on Blockchain Ethereum, BitcoinCash, Litecoin, Zcash, Ripple, Bancor, etc.
  • 39. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 60 CryptoCurrencies MONTY.de For the first time in the history of the world, anyone can now send or receive any amount of money with anyone else, anywhere, instantly, basically for free, and it is impossible for anyone to stop them. Roger Ver, Bitcoin Expert
  • 40. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 61 bitcoin MONTY.de
  • 41. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 62 First fully decentralised and open currency in combination with a payment protocol network and 
 build in trust. MONTY.de
  • 42. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 63 First fully decentralised and open currency in combination with a payment protocol network and 
 build in trust. MONTY.de A decentralized peer-to-peer network 
 > The bitcoin processing power.
  • 43. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 64 First fully decentralised and open currency in combination with a payment protocol network and 
 build in trust. MONTY.de A public transaction ledger as a public record of all transactions > The blockchain.
  • 44. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 65 First fully decentralised and open currency in combination with a payment protocol network and 
 build in trust. MONTY.de A protocol and math-based network setting of rules for independent transaction validation 
 > The bitcoin protocol.
  • 45. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 66 First fully decentralised and open currency in combination with a payment protocol network and 
 build in trust. MONTY.de The integrity of this ledger is backed and secured by a of the subnetwork of computers who audit and archive its transactions for a reward. > Proof-of-Work algorithm (Mining)
  • 46. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 67 MONTY.de Turning „don’t be evil“ into „can’t be evil“ no company… no middleman … like a language
  • 47. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 68 Internet of Value MONTY.de
  • 48. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 69 Value of Bitcoin MONTY.de
  • 49. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 70 Value of Bitcoin MONTY.de Gold?
 Many common aspect of bitcoin and Gold - 
 both is scare, durable and not widely used But bitcoin has some advantages - 
 it’s divisible, portable, easy to store, 
 difficult to counterfeit
  • 50. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 71 Value of Bitcoin MONTY.de Money?
 According to the IMF Bitcoin fulfils at least two of the three primary requirements of money already today YES store of value YES medium of exchange NO accepted by sovereign governments
 > But that is also changing.
  • 51. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 72 Value of Bitcoin MONTY.de Amazon:
 Revenue 2016: $140 billion - 3% average transaction fees are approx. $4+ billion a year. Profits are $ 4+billion per year. 
 Amazon could double their profits 
 by doing all transactions in Bitcoin. Amazon could create a own currency 
 to increase loyalty, reduce costs and 
 empower their market place with 3rd party vendors.
  • 52. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 73 Value of Bitcoin MONTY.de Remittances:
 International remittance is the transfer of money by a foreign worker to their home country. In 2016 global remittances were 
 over $600+ billion dollars. Western Union fees for remittance can run from about 4 percent to 20 percent or more.
  • 53. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 74 Value of Bitcoin MONTY.de Status:
 Bitcoin has currently approx. 15 Million Users
 with approx. 70 Million Wallets.
 There are approx. 14 Million Bitcoin in the market as of today. The supply of bitcoins is fixed at 21 million and each bitcoin can be divided into a hundred million pieces.
  • 54. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 75 Value of Bitcoin MONTY.de Status Quo:
 Bitcoin Market Cap of $100 Billion USD Approx. $1 billion daily transaction volume, which is >50% of cryptocurrency market. Bitcoin passed $ 6.000 USD 
 on October 21st 2017.
  • 55. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 76 Value of Bitcoin MONTY.de
  • 56. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 77 Value of Bitcoin MONTY.de Uplift via Financial Crisis:
 Cyprus 2013: Cyprus freezes all bank accounts, restricting all withdrawals and transfers of money. Crisis introduces bitcoin to the world as an asset class immune to bail-ins and fiscal mismanagement; price of a bitcoin increases 10x.
  • 57. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 78 Blockchain Opportunities MONTY.de
  • 58. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 79 Opportunities for Banks & Central Banks ‣ Asset Transfer ‣ Clearning and Settlement of Securities ‣ Financial messaging system ‣ Syndicated loans ‣ Trade finance MONTY.de 63% of Central Banks are involved in trials or projects Source: Global Blockchain Benchmarking Study 
 Cambridge University, 2017
  • 59. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 80 Banking the Un-Banked ‣ 2.5 Billion adults (half the global population) 
 are underbanked/ unbanked. ‣ 2/3 of the unbanked do not have enough 
 money to use a bank. ‣ A Bitcoin wallet allows anyone to send and 
 receive money, much like a bank account, 
 only quicker and without fees. ‣ A Bitcoin wallet is free - all you need is 
 Internet access or a data connection. MONTY.de World Bank Financial Inclusion 2011
  • 60. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 81 bitcoin 1x1 MONTY.de
  • 61. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 82 Be your own Bank Get started with Bitcoin in 5 Min MONTY.de Bitcoin will be accepted in over 
 300.000 stores in Japan in 2017. 1. Get A Wallet 2. Buy / Trade Coins 3. Spend Bitcoins, 
 Invest in ICOs or other Crypto Coins
  • 62. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 83 Keep it save Offline Bitcoin Wallets MONTY.de
  • 63. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 84 ATM Network 1.700 + Bitcoin ATMs globally MONTY.de
  • 64. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 85 ICOs Blockchain Equity funding vs. ICO Funding MONTY.de Initial coin offerings have raised more than $2B in 2017 YTD. More than 250 ICOs have taken place since January 2016, with total ICO deals and funding increasing at a faster clip than traditional equity deals and dollars.
  • 65. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 86 Bitcoin Ecosystem MONTY.de
  • 66. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 87 Mining MONTY.de
  • 67. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 88 Mining ‣ Open: Proof-of-Work algorithm (mining) ‣ Security: Provides security and stability ‣ Power: exceeds the combined processing power of the world’s top supercomputers. MONTY.de
  • 68. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 89 Bitcoin Mining A behind the scene look MONTY.de
  • 69. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 90 Mining = Big Business 
 = Real Money MONTY.de
  • 70. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 91 Will technology disrupt banking
 as we know it? MONTY.de
  • 71. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 92 Digital 
 Technology Digital 
 Business D igital
 Leadership D igital
 C ustom er MONTY.de Digital Leaders 
 Formula
  • 72. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 93 New Era of the 
 Internet of Value MONTY.de
  • 73. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 94 „Now. It’s one of those moments where you can change 
 the future.“ @montymetzger MONTY.de
  • 74. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 95 The Future is Now. @montymetzger MONTY.de
  • 75. © 2017 Monty C. M. Metzgerwww.monty.de | @montymetzger 96 TECHNOLOGICAL 
 DISRUPTION IN BANKING:
 NAVIGATING THE FUTURE OF DIGITAL VTB Capital October 26, 2017 Moscow, Russia Monty C. M. Metzger
 Partner, Digital Leaders Ventures
 Chairman, DigitalLeaders.co web www.monty.de twitter @montymetzger MONTY.de