Presentación Fintech

1. FMO - Partnerships in the Fintech Era

2. • Taye CHEMDESSA – Vision Fund Ethiopia
• Sameer SEGAL – Artoo
• Antonio SEPAROVIC – Oradian
• Martijn VAN ROOIJ – Above & Beyond
• Gera VOORRIPS – Triple Jump
Introducing the panel

3. • Nearly 90% of respondents see high opportunity in Fintech solutions and a
large majority perceives low threat from new Fintech players
• >50% of MFIs are using or piloting mobile banking or mobile money. Digital
Field Applications (DFA) such as tablets for field staff are coming up
• Huge interest in ‘digital financial education’, but not in use in the sample.
3
0 2 4 6 8 10 12 14 16 18
Agent banking/Point…
Identification…
Cloud computing
Tablets and Digital…
Robust MIS system
Mobile Money
Mobile banking
Most used Fintech solutions
In use In pilot phase Interested in
0 5 10 15 20
Digital Factoring
Virtual Currencies
Peer-to-Peer (P2P)…
Digital financial education
Blockchain
Crowdfunding platform
Alternative credit…
Internet banking
Other Fintech solutions
In use In pilot phase Interested in
MFIs see more the opportunities in Fintech than a
rising threat from Fintech-based FSPs

4. www.artoo.com

5. THE BIGGEST NEED FOR FINANCE
IS AMONGST THE SMALLEST
ENTREPRENEURS

6. Low High
600 Branches
5,000 field users
$300+ Million disbursed and 500,000 MSMEs profiled

7. YOUR LOAN OFFICER GOES
RIGHT
TO THE CUSTOMER’S DOORSTEP.
DOES YOUR TECHNOLOGY DO THE SAME?DOES YOUR TECHNOLOGY DO THE SAME?

8. Deploying Fintech solutions by MFIs entails challenges,
to be overcome to seize the expected opportunities
• Key drivers for MFIs to implement Fintech are efficiency gains
and risk reduction
• The high costs of acquiring the technology and entering into
required partnerships are challenging
8
0 5 10
Difficult to identify the partner/provider of…
Difficult to find competent human resources…
Difficult to integrate the technology into the…
Difficult to manage the change caused by…
Difficult to enter into partnership with…
High cost of acquiring the technology
Obstacles and challenges of Fintech implementation

9. How to make Fintech a success
• Critical success factors are committed and available human
resources
• Supportive shareholders & Quality of the Fintech partner help
to achieve success
9
0 2 4 6 8 10 12
Clients confidence and trust in the technology
Successful change management
Implementing Fintech partner
Supporting shareholders
Committed staff
Key success factors

10. Growing Partnerships of Banks
and FinTechs in Germany
2016 2017

11. The ecosystem based on the platform.

12. 7x growth to $ 130MM with PAR at 0.4-0.6%
3rd Largest MFI in India, with a national footprint
Offer individual loans: $500 – $20,000 USD
Proven results published in Accion Case Study -
https://www.accion.org/sites/default/files/ujjivan_dfa_study.pdf
ROI of 800% in 1st Year
500% Increase in Productivity
40% Decrease in TAT
45% Decrease in Customer Acquisition Cost

14. Fintech solutions for Financial institutions
Know you customer
(KYC) Digitalize processing
Access credit
worthiness
Provide financial
services
Provide non
financial services
Identification technology
(such as Biometry)
Tablets and Digital field
applications (digitalization)
Alternative credit
scoring
technologies Mobile banking
Digital financial
education
Cloud computing Internet banking
Fintech-enabled MIS Mobile Money
Agent banking with
Point of sales
technology
Virtual
Currencies/Blockchain
Peer-to-Peer (P2P)
lending
Crowdfunding
Digital Factoring
14