2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3
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«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services. Views expressed in this presentation are my own.
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2/3 - Branch, Internet, Mobile, Digital. Evolution of Banking services 2/3
- 1. Branch Internet Mobile Digital Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1
- 2. Second Chapter What is a Financial service startup and what does Fintech mean?
- 3. Brett King – Speaker, Author, Radio Host, Innovator & Founder of Moven Chris Skinner – Digital bank guru, Speaker, Author & blogger Matthias Kröner – CEO @Fidor Bank Michal Panowicz – Former Managing Director, Marketing & Business Development @mBank, now @Nordea Bank INNOVATORS
- 5. • Citazione Dimon Sees “WHEN I GO TO SILICON VALLEY…THEY ALL WANT TO EAT OUR LUNCH. EVERY SINGLE ONE OF THEM IS GOING TO TRY.” JAMIE DIMON - CEO JP
- 9. Online + Mobile + Alternative deposit - 17% Alternative payments + issuance fee reduction - 6% Direct/peer to peer mortage providers - 5% Price comparison portals + fee reduction - 3% Fonte: Accenture «Everyday Banking» Research, 2014 Payment & credit cards Deposit & current Account Lending Asset management IMPACT OF FINTECH ON BANKS’ REVENUE
- 10. 3.000 STARTUPS WORLDWIDE 3 BILLIONS US$ INVESTED
- 11. Fintech - Pagamento 1. PAYMENTS
- 13. Fintech - Advisory • Personal capital 2. ADVISORY
- 17. Fintech - Lending 3. LENDING
- 19. P2P MARKET WORTHS A TRILLION US$
- 20. Fintech - Lending WHY SO HAPPY?
- 21. Fintech - Lending 9 BILLIONS US$ VALUATION AFTER IPO
- 24. Fintech – Scoring & Funding 4. LOANS
- 25. 5. CROWDFUNDING
- 26. 6. SERVICES
- 27. 7. BIGDATA
- 30. “IF SOMETHING IS IMPORTANT ENOUGH, EVEN IF THE ODDS ARE AGAINST YOU, YOU SHOULD STILL DO IT.” ELON MUSK CEO TESLA & SPACEX
- 34. P2P LENDING
- 38. Fintech - Lending US$ 9.000.000.000
- 39. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
- 40. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/
- 41. Fonte: Lending memo, http://www.lendingmemo.com/ su elaborazione Investor relations 2014 di Wells Fargo e Lending Club
- 42. FINTECHS HAVE LOWER COSTS
- 43. https://www.lendingclub.com/info/statistics.ac tion https://www.lendingclub.com/ FINTECHS USE DATA. BIGDATA
- 45. WHAT IF WE PUT MONEY IN P2P PLATFORMS?
- 49. +
- 50. +
- 58. SP in the next 5 years…Worldwide!
- 61. BANKING
- 62. “WE BUILT AN INDUSTRY ON THE PHYSICAL DISTRIBUTION OF PAPER IN A LOCALIZED WORLD, AND WE’RE NOW HAVING TO GET TO GRIPS WITH THE DIGITAL DISTRIBUTION OF DATA IN A NETWORKED WORLD.” CHRIS SKINNER
- 63. Fidor e M. Kroner + slogan
- 64. Fidor: from latin fidere, «you can count on it»
- 65. Fidor Bank: «Banking mit Freunden»
- 66. “THE FIDOR SMART ACCOUNT KILLS THE TRADITIONAL BANK ACCOUNT, LIKE THE SMARTPHONE KILLED THE MOBILE PHONE” M. KROENER - CEO FB
- 67. 1. COMMUNITY
- 68. 2. COLLABORATION
- 69. 3. CROWDFUNDING
- 70. 4. P2P LENDING
- 72. 6. PAYMENTS
- 73. FINTECHS HAVE LOWER COSTS
- 74. Traditional Bank vs Average cost for a KYC Customer
- 76. CLEAR VISION
- 77. SMART STRATEGY
- 78. UX AS A VALUE
- 79. Design-driven change management Loan process in 30 s? Organisational change BusinessIT Risk management Legal Compliance SecurityAudit Supervisor ZBP Others DESIGN-DRIVE CHANGE MANAGEMENT
- 81. LEAN APPROACH
- 82. Ok, but how can Banks take advantage of Fintechs?
- 84. Interested? Don’t miss on slideshare the third chapter of Branch, Internet, Mobile, Digital that explores some of the smartest strategies adopted by wise banks.
- 85. Let’s keep in touch!
- 88. Disclaimer «Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services. Views expressed in this presentation are my own.
- 89. Branch Internet Mobile Digital Evolution of Banking services 2/3 Alessio Bonetti - @b0n3tt1