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Pascal Spelier, 11 december 2015
Being Agile in a FinTech World
2
The Golden Circle: Start with WHY
4
Three drivers for change
Changing
customer
behaviour
New
technology
Changing
regulations &
legislation
5
The customer wants change
Lack of trust has changed the relationship between
Insurers, banks and customer
The credit cri...
6
Technology creates new opportunities
28 years ago, introduction of internet
13 years ago, introduction of social media
8...
7
Regulatory challenges
Basel III
Solvency II
Payment Service Directive 2
Local regulations & legislation
8
Source: ClaytonChristensen(Harvard)
Performance
Time
Performance improvement
mainstream
Potentially disruptive technolog...
9
Source: ClaytonChristensen(Harvard)
Performance
Time
Disruptive technologies move up
market and eventually displace comp...
10
Rethink your business model
11
12
New generation setting
new standards for banking
13
New generation setting
new standards for banking
14
Customer
Distribution/
Front Office
Manufacturing/
Back Office
Market Infrastructure
Individual
Institution
Investing/
...
15
Customer
Distribution/
Front Office
Manufacturing/
Back Office
Market Infrastructure
Individual
Institution
Investing/
...
16
It is not the strongest of the
species that survives,
nor the most intelligent
that survives.
It is the one that is the...
17
“We must learn what
customers really want,
not what they say they
want or what we think
they should want.”
Eric	Ries	– ...
18
Bent u de tanker of het
loodsbootje?
19
Bent u de tanker of het
loodsbootje?
20
“Plans are worthless,
but planning is everything”
Dwight	D.	Eisenhower,	34e President	van	de	VS
21
Functions of
Financial Services
11 Clusters of
Innovation
22
New payment services
will result in changing
customer behaviour and
cryptocurrencies
may radically streamline
the trans...
23
140,8 miljard
debet card transacties
62,7 miljard
credit card transacties
24
25
26
27
Pay Pay
28
Wat doet ABN
AMRO als Apple
Pay naar
Nederland komt?
29
Al kennis gemaakt met de Bunq experience?
30
Disruption in banking will be
most imminent;
but the greatest impact of
disruption is likely
to be felt in the
insuranc...
31
Delen
is het nieuwe bezit
32Credits:	Yvonne	Kroese
Meten is weten
Quantified Self
33
Internet of things
Van zelf naar vanzelf
34
35
36
37
38
New lending
platforms are
transforming credit
evaluation and
loan origination
39
Mensen organiseren zich buiten de
instituten om: desintermediatie
40
41
Source: LendingClub, Third Quarter 2015 Results October 29, 2015
42
Goldman Sachs
predicts that it’s going
to eat 7% of bank
profits from the
credit markets over the
next five years
and 1...
43
“Mortgages and
subordinated loans are
pre-eminently suitable
instruments for investors
that want to optimize
their bond...
44
MUNT Mortgages invests pension money
directly into the mortgage market
45
FinTech startup Jungo brings crowdlending
to the Dutch mortgage market
46
Interest%
Mortgages
according to*:
80%
institutional investors
interest %
Seniormortgagecollateral
Juniormortgagecollat...
47
bijBouwe provides online mortgages with
institutional investors funding
48
Crowdfunding
platforms are widening
access to capital
and create a venue for
investors looking for a
interesting
financ...
49
Robo-advisors are
improving accessibility
to sophisticated
financial management
and creating margin
pressure, forcing t...
50
Eerste
online
beleggings-
coach van
Nederland
51
52
53
54
55
56
57
58
59
Smarter and
faster machines
transform capital
markets
60
61
62
63
Customer
Distribution/
Front Office
Manufacturing/
Back Office
Market Infrastructure
Individual
Institution
Investing/
...
64
“BBVA wants to promote an open and collaborativeculture
between the bank and the community of developers to enable
them...
65
66
67
Banken moeten de
‘agility’ van startups
adopteren
68
Bron:
69
Bron:
70
Bron:
71
Bron:
72
Wat echt een enorme
verbetering is,is de
openheid en het begrip
dat we voor elkaar
hebben.
Squads en medewerkers
kunnen...
73
74
Pascal	Spelier
Chief	Inspiration Officer
Banking	&	Insurance
Reykjavikplein 1,
Utrecht,		The	Netherlands
Mobile:+31	(0)...
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20151210 Presentatie 'Being Agile in a FinTech World'

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In deze presentatie aandacht voor de impact van FinTech op de waardeketen voor de financiële sector. Wat betekenen deze ontwikkelingen voor de 'way of working' voor traditionele financiële instellingen? Eén ding is zeker, banken en verzekeraars moeten meer 'agile' werken. In de presentatie ook aandacht voor de 'Spotify way of working' bij ING.

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20151210 Presentatie 'Being Agile in a FinTech World'

  1. 1. Pascal Spelier, 11 december 2015 Being Agile in a FinTech World
  2. 2. 2
  3. 3. The Golden Circle: Start with WHY
  4. 4. 4 Three drivers for change Changing customer behaviour New technology Changing regulations & legislation
  5. 5. 5 The customer wants change Lack of trust has changed the relationship between Insurers, banks and customer The credit crisis changed the purchase drivers Traditional banking & insurance customer is shifting to A new generation banking & insurance customer Customers demand transparency and simplicity Customers become more and more self-directed Social medial create a fundamental shift in the way we communicate
  6. 6. 6 Technology creates new opportunities 28 years ago, introduction of internet 13 years ago, introduction of social media 8 years ago, introduction of smartphones Big data Quantified self Internet of things
  7. 7. 7 Regulatory challenges Basel III Solvency II Payment Service Directive 2 Local regulations & legislation
  8. 8. 8 Source: ClaytonChristensen(Harvard) Performance Time Performance improvement mainstream Potentially disruptive technology Disruptive technologies move up market and eventually displace competitors
  9. 9. 9 Source: ClaytonChristensen(Harvard) Performance Time Disruptive technologies move up market and eventually displace competitors Dvd per mail Digital movies Digital series via Ps3/4, Xbox, tablet
  10. 10. 10 Rethink your business model
  11. 11. 11
  12. 12. 12 New generation setting new standards for banking
  13. 13. 13 New generation setting new standards for banking
  14. 14. 14 Customer Distribution/ Front Office Manufacturing/ Back Office Market Infrastructure Individual Institution Investing/ WealthMgmnt Personal Savings Lending Capital Raising Source: based on illustration ‘Financial Services Value Chain Supermarket Age’ by Doug Nelson Payments = flow of capital Current value chain is under pressure…
  15. 15. 15 Customer Distribution/ Front Office Manufacturing/ Back Office Market Infrastructure Individual Institution Investing/ WealthMgmnt Personal Savings Lending Capital Raising Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson Payments …Financial services unbundled and revisited Independent, digital front ends API-driven middle- and back office Electrification of market infrastructure Independent , digital front ends and middle- and back office
  16. 16. 16 It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change. - Darwin -
  17. 17. 17 “We must learn what customers really want, not what they say they want or what we think they should want.” Eric Ries – The Lean Startup
  18. 18. 18 Bent u de tanker of het loodsbootje?
  19. 19. 19 Bent u de tanker of het loodsbootje?
  20. 20. 20 “Plans are worthless, but planning is everything” Dwight D. Eisenhower, 34e President van de VS
  21. 21. 21 Functions of Financial Services 11 Clusters of Innovation
  22. 22. 22 New payment services will result in changing customer behaviour and cryptocurrencies may radically streamline the transfer of value
  23. 23. 23 140,8 miljard debet card transacties 62,7 miljard credit card transacties
  24. 24. 24
  25. 25. 25
  26. 26. 26
  27. 27. 27 Pay Pay
  28. 28. 28 Wat doet ABN AMRO als Apple Pay naar Nederland komt?
  29. 29. 29 Al kennis gemaakt met de Bunq experience?
  30. 30. 30 Disruption in banking will be most imminent; but the greatest impact of disruption is likely to be felt in the insurance sector
  31. 31. 31 Delen is het nieuwe bezit
  32. 32. 32Credits: Yvonne Kroese Meten is weten Quantified Self
  33. 33. 33 Internet of things Van zelf naar vanzelf
  34. 34. 34
  35. 35. 35
  36. 36. 36
  37. 37. 37
  38. 38. 38 New lending platforms are transforming credit evaluation and loan origination
  39. 39. 39 Mensen organiseren zich buiten de instituten om: desintermediatie
  40. 40. 40
  41. 41. 41 Source: LendingClub, Third Quarter 2015 Results October 29, 2015
  42. 42. 42 Goldman Sachs predicts that it’s going to eat 7% of bank profits from the credit markets over the next five years and 14% over the next ten years!
  43. 43. 43 “Mortgages and subordinated loans are pre-eminently suitable instruments for investors that want to optimize their bond portfolio” Eric van der Maarel, Head of Aegon Asset Management Europe
  44. 44. 44 MUNT Mortgages invests pension money directly into the mortgage market
  45. 45. 45 FinTech startup Jungo brings crowdlending to the Dutch mortgage market
  46. 46. 46 Interest% Mortgages according to*: 80% institutional investors interest % Seniormortgagecollateral Juniormortgagecollateral 20% crowdlenders * example, interest levels are indicative Jungo combines institutional funding with crowdlending
  47. 47. 47 bijBouwe provides online mortgages with institutional investors funding
  48. 48. 48 Crowdfunding platforms are widening access to capital and create a venue for investors looking for a interesting financial return
  49. 49. 49 Robo-advisors are improving accessibility to sophisticated financial management and creating margin pressure, forcing traditional advisors to evolve
  50. 50. 50 Eerste online beleggings- coach van Nederland
  51. 51. 51
  52. 52. 52
  53. 53. 53
  54. 54. 54
  55. 55. 55
  56. 56. 56
  57. 57. 57
  58. 58. 58
  59. 59. 59 Smarter and faster machines transform capital markets
  60. 60. 60
  61. 61. 61
  62. 62. 62
  63. 63. 63 Customer Distribution/ Front Office Manufacturing/ Back Office Market Infrastructure Individual Institution Investing/ WealthMgmnt Personal Savings Lending Capital Raising Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson Payments …Fight those FinTech Startups or join them? Independent, digital front ends API-driven middle- and back office Electrification of market infrastructure Independent , digital front ends and middle- and back office
  64. 64. 64 “BBVA wants to promote an open and collaborativeculture between the bank and the community of developers to enable them to participate in our creative and innovation process” Marco Bressan, Open Platform manager at BBVA “Fintech start-ups are often agile, lean and nimble. There are obvious advantages for RBS to partner with some of these firms. That’s where the APIs come in.” James Lynn, head of e-channels, GTS at RBS “We wanted to provide the developer community a platform that will allow them to invent tomorrow's banking applications, which are both innovative and practical everyday for our customers." Pierre Janin , CEO of AXA Bank Banks need to open up!
  65. 65. 65
  66. 66. 66
  67. 67. 67 Banken moeten de ‘agility’ van startups adopteren
  68. 68. 68 Bron:
  69. 69. 69 Bron:
  70. 70. 70 Bron:
  71. 71. 71 Bron:
  72. 72. 72 Wat echt een enorme verbetering is,is de openheid en het begrip dat we voor elkaar hebben. Squads en medewerkers kunnen nu,meer dan voorheen,echt zien wat zij bijdragen aan de strategie van de bank. Wij zijn nu zo’n drie maanden in dit model onderweg en het geeft nu al voordelen door kortere lijnen en meer mandaat bij de medewerkers en squads. Het heeft ook het plezier in het werk, vergroot.De sfeer is erg goed! Bron: [finno] Waar we in de pre-Agile tijd tussen afdelingen soms dagen bezig waren om een simpel issue op te lossen,doen we dat nu in 15 minuten.
  73. 73. 73
  74. 74. 74 Pascal Spelier Chief Inspiration Officer Banking & Insurance Reykjavikplein 1, Utrecht, The Netherlands Mobile:+31 (0) 6 53 29 90 17 pascal.spelier@capgemini.com Thank you! @spelier www.slideshare.net/pascal.spelier www.linkedin.com/in/pascalspelier
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In deze presentatie aandacht voor de impact van FinTech op de waardeketen voor de financiële sector. Wat betekenen deze ontwikkelingen voor de 'way of working' voor traditionele financiële instellingen? Eén ding is zeker, banken en verzekeraars moeten meer 'agile' werken. In de presentatie ook aandacht voor de 'Spotify way of working' bij ING.

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