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FinTech Overview
FinTech refers to the use of technology to deliver financial services in a more efficient and accessible manner. Some key areas of FinTech include payments, digital banking, investments, crowdfunding, peer-to-peer lending, blockchain/cryptocurrency, insurance technology, and regulatory technology. Technologies like cloud computing, artificial intelligence, mobile computing, the Internet of Things, and blockchain have enabled the development of new FinTech business models and services that are disrupting traditional financial industries.
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FinTech Overview
- 1. FINTECH: OVERVIEW Albert Wang CTO,LionRock FinTech
- 3. SO, WHAT’S FINTECH? ▸Finance + Technology ▸ “New financial industry that applies technology to improve financial activities” ▸ Technologies, Methodologies, Companies, Business Models, New Services …
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- 5. NUMBERS ‣ 26 Unicorns ‣# Source: CBInsights
- 6. FINTECH UNIVERSE Payments InvestmentsInsurTech P2P Lending DigitalBanking Crowdfunding FinTech Blockchain/ Cryptocurrency RegTech
- 7. INFRASTRUCTURE & KEYTECH Cloud Computing AI, ML Mobile Computing IoT Cyber-Security Blockchain & Cryptocurrency Data Science & Analytics AR API Movement VR
- 8. U.S. PATENTS RELATEDTO FINTECH (2015)
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- 10. WOULD YOU LIKETO SEE IT ONE MORE TIME? YOU MAY HAVE BLINKED AND MISSED IT. Tim Cook, 2014
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- 12. HOW DOES APPLEPAY WORK? ▸ No credit card information is ever stored on iPhone or Apple servers (even in encrypted form). ▸ EMV Payment Tokenization
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- 14. CASHLESS PAYMENT, ANDBEYOND …
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- 16. BANKING IS NECESSARY,BUT BANKS ARE NOT. Bill Gates, 1994
- 17. STILL BANKING, BUTBETTER ▸ Money Deposits, Withdrawals, and Transfers ▸ Checking/Saving Account Management ▸ Applying for Financial Products ▸ Loan Management ▸ Bill Pay ▸ Account Services
- 18. LEADING PLAYERS Digital BankingVirtual Banking 3-party Platforms/Vendors
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- 20. DIGITAL WEALTH MANAGEMENTEVOLUTION ▸ Online portfolio management solution that aims to invest client assets by automating client advisory.
- 21. ROBO-ADVISORS: KEY TECHS Advice/EngagementAsset Management ‣ Interactive UX ‣ Chatbot ‣ NPL ‣ Voice Recognition ‣ eKYC ‣ User Profiling ‣ eSignature/Contracts ‣ Model Management ‣ Big Data ‣ Machine Learning ‣ Artificial Intelligence Data Platform
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- 23. DON’T EVER UNDERESTIMATEWHAT ONE PERSON’S GENEROSITY WILL DO. Raise the Roof
- 24. CROWDFUNDING MODELS Source: FATBit ‣Reward-based Model ‣ Donation-based Model ‣ Lending-based Model ‣ Equity-based Model
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- 27. P2P LENDING -KEY TECHS Source: PwC
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- 29. VIRES IN NUMERIS. STRENGTHIN NUMBERS. BitCoin Motto
- 30. BLOCKCHAIN EXPLAINED ▸ Decentralized ▸Digitalized ▸ Cryptographically Sealed ▸ Consensus-based ▸ Chronological & Timestamped
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- 32. IOTA - TANGLE(DAG) ‣ Scalability (500-800 TPS) ‣ Fee-less ‣ IoT Friendly
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- 38. WE THE PEOPLEWANT OUR MONEY SAFER THAN OUR SELFIES. PayPal, 2014
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