Presentation for the article: http://goo.gl/FeVkKQ. The next step (and this step will be not about “more money”, but about real evolution of fintech-movement to ecosystem) in fintech will belongs to new generation of “fintech-banks” (maybe, they will be totally separated from traditional banks), which will have Bank-as-service platforms as back-end, and neobanks as front-ends – to tailor all these services for final end-users in unique bundle and user experience.

1. FINTECH-BANK

2. 2012 2013 2014 2015 2016 2017 2018
«Toothbrush» era Ecosystem creation
You perform just one function,
but better than anyone,
and when you are irreplaceable
and used every day.
Services are starting to partner
and merge with each other in
some way.
The casual customer wants to get a comfortable ecosystem of services with seamless integration allowing him/her
to easily use data from one service inside the other and enjoy the benefits from their joint use.

3. 2015
Fintech-entrepreneurs started
to work together against the large banks
If we were to decompose a bank, there would be a fintech company
that can substitute each service the bank provides.
If there is a fintech company for each service a bank provides,
do we really need banks?

4. Cheap&fast customer
acquisition,
but low margin
High margin,
but expensive CPA
Cheap&fast customer
acquisition
High margin
Better tailoring
to customers needs
More data = lower credit risks
Fintech-startups started to make
partnerships
Online-trading Online-remittances
Online-bank mPOS
mPOS e-wallets
Online-lending Online bank
Online-lendingOnline bank
Mobile bank Online-remittances

5. The largest fintech-companies started
diversification of their product line
Tablet-based cash-registers
POS-management systems
Online-acquiring
SME-loans
p2p-remittances
PFM (personal financial management)
Online-trading

6. Open APIs economy
External developers can extend platform functionality using APIs
Business model of
banks and insurance
companies do not
suppose cooperation
with new wave of tech
companies.
63 insanely useful APIs
across 12 segments
The BaaS structure
allows users to create
and consume value.
In the near future would
be possible to
build their own bank
through apps, APIs
and analytics.

7. From SaaS to BaaS
bank-as-service
It’s basically cheaper and better paying for applications
as you use them, rather than buying them.
BaaS as back-end platform to host, launch
and scale any fintech-startups.

8. Others need platform to expand.
fintech-startups have
successfully managed to expand
globally.
Only
25
scaling to other marketsBaaS

9. Neo - and challenger banks as FRONT-END
of aggregation movement
Accounting
SME-lending&factoring
Online-acquiring
Insurtech
Online-trading
Online-remittances
PFM&PFP
e-wallets
P2P-lending
Online-lending
Online-lending for students
P2B-lending
Soon:

10. World map of BaaS & neobanks
Anna
Based on Life.SREDA’s partnership and connections with
all players on the market and analysis of their strategic movements,
we predict the big changes that will happen in the industry in 2016.

11. NEXT STEP FINTECH-BANK
Philippe Gelis,
CEO at KANTOX:
”
The second wave of fintech,
to come in two to five years’
time, will be «marketplace
banking» (or «fintech banks»).
A core banking platform built from scratch;
An API layer to connect to third parties;
A compliance/KYC infrastructure and processes;
A banking license, to be independent from other
banks and the ability to hold client funds without
restrictions;
A customer base/CRM, meaning that the fintech
bank will have the customers, and a customer
support team.
1
2
3
4
5

12. NEXT STEP FINTECH-BANK
Fintech-bank as a unique bundle
of independent fintech-startups
ecosystem
unique user
experience

13. Fintech startups
ecosystem
Front-end
banking back-end
Licensed
and regulated
for end-users
based on neobanks
Middleware
to host&scale
fintech services
What FINTECH-BANK is?
Bank-as-service
based on open APIs
for Retail for SMEs
Telecom Retail Internet
giants
BACK-END

14. Product-line of FINTECH-BANK
Front-end
based on neobank
for retail
Middleware
based on open
APIs
Front-end
based on neobank
for SMEs
1
2
Neobanks
Online-acquiring
e-wallets
P2P-lending
Online-lending
Online-lendingforstudents
P2B-lending
SME-lending&factoring
Crowndfunding&crowndinvesting
Online-trading
Online-remittances
PFM&PFP
Accounting
Insurtech
POS-managmentsystem&
tabletbasedcash-registers
mPOS-acquiring

15. Where it will happen?
Life.SREDA VC
Blk 79, Ayer Rajah Crescent #05-08
Singapore 139955
e- mail: info@lifesreda.com
www.lifesreda.com
To know more about fintech:
www.fintechranking.com
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