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Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
The digitization of the banking sector and
crowdfunding
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Increased digitization
Internet
Smartphone
Cash dispenser
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Restrictions on cash transactions
Fraud prevention
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Impact
Increasing online purchase
Threat to financial intermediary
Need for reorientation
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Intuit 2020 Report:
the future of financial services
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Money of the future Conference
Bank 3.0 by Brett King
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
10 major trends
Mobile banks
Key trend: Mobile first
Mobile acquiring
Digital Wallets from IT-giants
Bank 3.0
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
10 major trends
Collective investment schemes
Payment Systems and Services
Personal Finance
Web money
Facebook financial experiments
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Crowdfunding
Alternative financing method
Small contributions from a large group of investors
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Pre-sales
Donations and rewards
Supply = demand
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Lending
Social Lending
Peer-to-business lending
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Equity Crowdfunding
Business angel
Elite crowdfunding
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Revenue sharing
Profit sharing based on future profits
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Crowdfunding platforms
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Europe
Lack of legal and regulatory framework
Different national interpretations
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
North-America
Jobs act
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Impact on the financial world
Risk shift
Good vs. bad credits
Economy boost
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013
Crowdfunding as an opportunity
Lasting consumer relationships as a solution
Digitization threat to financial intermediary
Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars
XIth International CIFA FORUM
26 April 2013

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CIFA presentation

  • 1. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 The digitization of the banking sector and crowdfunding
  • 2. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013
  • 3. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Increased digitization Internet Smartphone Cash dispenser
  • 4. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Restrictions on cash transactions Fraud prevention
  • 5. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Impact Increasing online purchase Threat to financial intermediary Need for reorientation
  • 6. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Intuit 2020 Report: the future of financial services
  • 7. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Money of the future Conference Bank 3.0 by Brett King
  • 8. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 10 major trends Mobile banks Key trend: Mobile first Mobile acquiring Digital Wallets from IT-giants Bank 3.0
  • 9. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 10 major trends Collective investment schemes Payment Systems and Services Personal Finance Web money Facebook financial experiments
  • 10. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Crowdfunding Alternative financing method Small contributions from a large group of investors
  • 11. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Pre-sales Donations and rewards Supply = demand
  • 12. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Lending Social Lending Peer-to-business lending
  • 13. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Equity Crowdfunding Business angel Elite crowdfunding
  • 14. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Revenue sharing Profit sharing based on future profits
  • 15. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Crowdfunding platforms
  • 16. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Europe Lack of legal and regulatory framework Different national interpretations
  • 17. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 North-America Jobs act
  • 18. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Impact on the financial world Risk shift Good vs. bad credits Economy boost
  • 19. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013 Crowdfunding as an opportunity Lasting consumer relationships as a solution Digitization threat to financial intermediary
  • 20. Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars XIth International CIFA FORUM 26 April 2013