Digital transformation of the German banking industry, January 2017, english
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Digital transformation of the German banking industry. With many examples of ING'DiBa, Deutsche Bank, Commerzbank, HVB, Sparkasse, Fidor Bank, Solaris Bank, N26, kapilendo, niiio, crowd, cloud, blockchain, crypto, API, platform, P2P, ...
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Digital transformation of the German banking industry, January 2017, english
- 1. Digital transformation Frank Schwab, January 2017 German banking industry
- 2. Year 2000
- 3. 2002 2015 ING*DiBa benefits from 1st digital wave Customers 1.8 millions 8.5 millions Profits -4 millions EUR 1,115 millions EUR Employees 914 3.749 FrankSchwabSpeaks.com Source: annual reports ING*DiBa
- 4. ING*DiBa – 10x business volume 2002 2015 Deposits in billion EUR 19.2 121.1 Loans in billion EUR 4.6 98.0 2002 2015 FrankSchwabSpeaks.com Source: annual reports ING*DiBa
- 8. PayPal 2x Deutsche Bank Market cap, Nov 2016 [in billion EUR] 17 Deutsche Bank 44 PayPal Deutsche Bank PayPal Customers 25,000,000 169,000,000 APIs 0 > 25 Employees 100,000 8,000
- 9. 1st Welle
- 10. But
- 13. 2017
- 14. IBM Mainframe Sun Server Intel blade Thin clients Fat clients AIX Server Server Farm
- 17. Investment needs
- 18. No interest rate business
- 19. Profits
- 21. Alipay
- 23. > 400 FinTechs
- 24. Crowd
- 26. 1 million EUR in 9 minutes and 23 seconds
- 27. Fidor: Facebook Like Interest Rate
- 29. Peer to peer
- 33. Crypto
- 36. 10 % -8
- 37. Blockchain
- 40. Smart Contracts Public register Transaction block with conditions Condition Example Shares: dividend payment
- 41. Smart Contracts – Example car finance
- 43. AI ^
- 44. Amelia, Source: IPSoft IT Service Desk Agent SEB Bank 3 weeks 700 employees 4,000 calls
- 45. Robo advisory
- 49. Over rated Gartner Hype Cycle
- 51. Over rated Under rated Gartner Hype Cycle
- 52. Mobile
- 57. < 60 seconds
- 59. Cloud
- 63. API
- 69. Plattform
- 73. All just hype?
- 74. 36
- 75. BPO; 396 Insurance; 1.515 FinHCIT; 2.087 FinMgmtSol; 4.173 IB / Wealth; 4.702 Banking/Lending; 9.296 Payments/Ecommerce; 13.543 36 billions USD in FinTech investments in 2016 [in million USD] 1.525 transactions 337 432 293 186 141 10531 FrankSchwabSpeaks.com Source: Financial Technology Partners
- 76. D.A.CH FinTech scene overtook the UK - with over $1,3B investments (VC + venture debt) in 2015 2.50% 13.9% 150% Banking% 9.40% 20% 0,7% 5.5%2% Lending% 358% 1% 0.5% 10% 20% 14.20% 5% 230% 49.8% 0.5% Insurance% 1% 3.5% 7% Investment% 5.5% 10% 0.27% 2% 4% 0.6% 1.6% Blockchain%/%Other% *%Source:%%TechFluence% Payment% 150% Chart shows funding in € mn. Estimates based on disclosed deals only- no liability for errors.
- 78. PayPal further develops its business step by step 2000 2006 2010 2015 Online payments P2P Account Cards Loans POS Cash FrankSchwabSpeaks.com Source: annual reports PayPal
- 79. IT defines retail banking of the future = new KPIs
- 80. IT costs per user per year in USD 200 Tier 1/2 Bank eBay 7,4 Facebook 3,8 Google 3,4 FinTech 10 FrankSchwabSpeaks.com Source: annual reports
- 81. Customer acquisition costs in EUR 50 - 200 Traditional banks FinTech 5 - 25
- 85. UniCredit / HVB 45 millions EUR invested in 2016
- 86. DZ Bank / German union banks: Hackathon, March 2016 Source: https://twitter.com/dzbank/status/705424223838146560/photo/1?ref_src=twsrc%5Etfw
- 88. Quo vadis?
- 89. 2030
- 92. R I P
- 93. New banking products build on new technologies Crowd P2P Crypto Cloud API ^ AI MobileBlockchain Plattform FrankSchwabSpeaks.com
- 94. Diffusion of innovation Longer than we think Faster than we think time diffusion
- 96. German retail banking 2030 2015 2030 Saving banksPrivate banks Union banks FinTechs Non Banks FrankSchwabSpeaks.com