The document discusses trends in Stockholm's FinTech ecosystem between 2015-2018. It notes that Stockholm is second only to Silicon Valley in companies valued over $1 billion per capita. Between 2015-2017, funding for FinTech companies in Stockholm grew significantly, reaching over 30 million euros in 2016. However, support for FinTech was still in early stages in 2015, with different organizations working independently and lack of clarity on responsibilities. By 2017, the ecosystem was maturing but continued to develop dedicated support structures.

1. STOCKHOLM -
#HUBBING IN THE
SILICON FOREST
MICHAL GROMEK
RESEARCHER ON FINTECH & CROWDFUNDING
#SE.LINKEDIN.COM/IN/MGROMEK
CENTER FOR STRATEGY AND
COMPETITIVENESS (CSC)
JANUARY 23RD - FINTECH HUB STOCKHOLM
LAUNCH OF THE
STOCKHOLM
FINTECH REPORT 2018
+ DEVELOPMENT OF THE ECOSYSTEM
STOCKHOLM, APRIL 10TH 2018
MALAYSIAN DELEGATION MEETING:
MDEC & KWAP TO SWEDEN
WITH ‘BUSINESS SWEDEN’

2. STOCKHOLM
SCHOOL OF ECONOMICS
CHANGE IN REGIONAL FINTECH BETWEEN 2016 - 2018
HEAD OF FINTECH AT FINANSINSPEKTIONEN
SWEDISH FINANCIAL SUPERVISORY AUTHORITY
STIG JOHANSSON
"Instead of speaking to experienced
compliance teams of bank
employees in sharp suits, with
FinTech we experienced to speak to
the representatives of financial
companies dressed in T-Shirts,
representing a different compliance
structure with a different angle of
view and lingo."

3. # Researcher on FinTech (SSE)
>>> Investors motivation in FinTech
# Head of Compliance - cryptocurrency
# Head of Int. Finance - FundedByMe.com
# Country Head - Rocket Internet (FInTech)
# Board Member of a FinTech company
# Advisor to the CEO of the
Stockholm FinTech Hub
# Trainer Security Commission Malaysia
## Travel book author (in the future :)
#GOOD TO SEE YOU
#STAY IN TOUCH: HTTPS://WWW.LINKEDIN.COM/IN/MGROMEK/
HTTPS://WWW.SLIDESHARE.NET/MICHALGROMEK

4. # Stockholm FinTech Report 2015 - June 2015
# Stockholm FinTech Update 2016 - June 2016
# Chasing the Unicorns 2016 - October 2016
# Informal Networks in Stockholm - November 2017
# The next wave of FinTech, InsurTech and RegTech -
December 2017
# Stockholm FinTech Report 2018 - 24.01.2018
UPCOMING:
# Book: The Rise and Development of FinTech
Accounts of Disruption from Sweden and Beyond, Q1 2018
CONTINUES OBSERVATION OF FINTECH
CENTER FOR STRATEGY AND COMPETITIVENESS
WAS FOUNDED IN 2005
AND FOCUSES ON FIVE RESEARCH TRACKS: STRATEGY & MARKET SYSTEMS,
INTERNATIONAL BUSINESS, KNOWLEDGE IN NETWORKS, CLUSTERS, AND
COMPETITIVENESS POLICY.
# The Rise and Development of FinTech Accounts of Disruption
from Sweden and Beyond (Routledge) - March 2018
# FinTech Pilot Executive Workshop in cooperation with
the FinTech Hub and SSE Executive Education - March 2018
#Hubbing in Silicon Forest - Stockholm FInTech Report
2018 - Launch in January 2018
2018

5. #STAY IN TOUCH: HTTPS://WWW.LINKEDIN.COM/IN/MGROMEK/
HTTPS://WWW.SLIDESHARE.NET/MICHALGROMEK

6. #STAY IN TOUCH: HTTPS://WWW.LINKEDIN.COM/IN/MGROMEK/
HTTPS://WWW.SLIDESHARE.NET/MICHALGROMEK

7. Financially supported by:
REGIONAL IMPACT OF FINTECH

8. STOCKHOLM
SCHOOL OF ECONOMICS
Stockholm is second only to Silicon Valley,
in the list of regions with the
most billion dollar-valued companies
per capita
SOURCE: CHASING THE UNICORN, A STUDY OF STOCKHOLM MISTY
MEADOWS, STOCKHOLM SCHOOL OF ECONOMICS, 2016
DOWNLOAD FULL REPORT HERE
RESULTS IN 2015

9. STOCKHOLM
SCHOOL OF ECONOMICS
Expectation of the FinTech companies
Source: http://podroze.onet.pl/na-weekend/zamek-w-
malborku-krzyzacka-warownia-na-pomorzu/cvcm5
#FUNDING
#REGULATION
#INVESTORS
#EDUCATION

10. STOCKHOLM
SCHOOL OF ECONOMICS
Reality of the dedicated FinTech support (oversimplified)
by 2015
Source: http://podroze.onet.pl/na-weekend/zamek-w-
malborku-krzyzacka-warownia-na-pomorzu/cvcm5
WHO IS
RESPONSIBLE?
WORKING IN
SILOS

11. 0
10
20
30
40
50
Item 1 Item 2 Item 3 Item 4 Item 5
STOCKHOLM PATHWAY TO COMPLEX FINTECH
PAYMENTS
EQUITY
COMPLEXITY
VALUE
ROBOADVISORY
LENDING
INT. TRANSFER
WEALTH
MANAGEMENT
BLOCKCHAIN
BASED
INSURTECH
REGTECH
GDPR & PSD2
BLOCKCHAIN
BEYOND
BANKING
INITIAL COIN
OFFERING
(ICO)
PAYMENT
OF THINGS
(POT)
TODAY

12. Individual
customer HIPS
HIPS
HIPSAdvaaH
iTransa
CLARIFYING THE BLURRY LINES OF FINTECH
GREATER STOCKHOLM AREA - Q4 2017
Stockholm FinTech Report 2017
Author: Michal Gromek, Stockholm School of Economics
Graphics: Adam Strandberg, Fintech Hub
In cooperation with:
Broker
Long-term
Care
InsuranceLifeInsurance
Insurance
Brokerage/Advisory
HealthInsurance
Broker
Consumer Lending
Crowdfunding
Mortgage Lending
Crow
dfunding
Equity
DebtInvestment
ExecutionOnly
InvestmentAdvisory
Marketplace
PrivateEquity
Robo-Advisory
Savings
Accounts
Bill Payment
Cryptocurrency
Domestic Transfer
International Transfer
Transaction
Accounts
Crowdfunding
DisabilityInsurance
WEALTH & CASH MANAGEMENT
CAPITAL,DEBTANDEQUITY
PAYMENTS&TRANSFERS
INSURTECH
PROPOSED PRIMARY FINTECH
COMPANIES FACING INDIVIDUALS
Neonet

13. Corporate
customer
HIPS
Kachi gn
stoEr
CLARIFYING THE BLURRY LINES OF FINTECH
GREATER STOCKHOLM AREA - Q4 2017
PROPOSED PRIMARY FINTECH
COMPANIES FACING CORPORATES
Stockholm FinTech Report 2017
Author: Michal Gromek, Stockholm School of Economics
Graphics: Adam Strandberg, Fintech Hub
In cooperation with:
Corporate Finance
Consumer Acquisition
Back-end
Clearing Technology
Hedging
Trading
System
s
PropertyandCasualtyInsurance
Long-term
CareInsurance
LifeInsurance
Insurance
Brokerage/Advisory
Crowdfunding - Debt
Crowdfunding - Equity
Crowdfunding - Real Estate
Prim
ary M
arket Equity
Factoring/InvoiceTrading
ForeignExchange
InvestmentManagement
LiquidityManagement
PortfolioManagement
RiskManagement
Savings
SecondaryMarketEquity
TradeFinance
Accounts
Payable
Accounts Receivable
Customer Acquisition
Hardware
Technology
Payment Method
Salary Paym
ents
Paym
ent Service Provider
Transaction
Accounts
Crowdfunding
CustomerAcquisition
DisabilityInsurance
HealthInsurance
WEALTH & CASH MANAGEMENT
CAPITAL,DEBTANDEQUITY
PAYMENTS&TRANSFERS
INSURTECH
TRADING
AND
EXC
H
A
N
GE
AdvaaH
Neonet
Neonet

14. INVESTMENTS INTO REGIONAL FINTECH
INVESTMENTS INTO PRIMARY AND SECONDARY FINTECH COMPANIES
ESTABLISHED IN STOCKHOLM GREATER AREA BY YEAR
SOURCE: NORDIC TECH LIST, CRUNCH BASE, VARIOUS NEWSPAPER ARTICLES, PRESS RELEASES AND OWN COLLECTION
IN MEUR

15. BIGGEST DISCLOSED INVESTMENTS 2015 - Q2 2017
CUMULATIVE DATA, BASED ON NORDIC TECH LIST
*KLARNA HAS RECEIVED 31.9 MILLION EURO IN INVESTMENT IN JUNE 2016 BUT THE
INVESTOR
REMAINS UNDISCLOSED, 18M FROM VISA HAS BEEN DISCLOSED AFTER CLOSURE OF THE
DATA COLLECTION OF THIS REPORT
CUMULATIVE DATA, BASED ON NORDIC TECH LIST. KLARNA HAS RECEIVED 31.9 MILLION EURO IN INVESTMENT
IN JUNE 2016 BUT THE INVESTOR REMAINS UNDISCLOSED, 18M FROM VISA HAS BEEN DISCLOSED AFTER
CLOSURE OF THE DATA COLLECTION OF THIS REPORT

16. BIG UNKNOWN
# Trivec T&V Holding - 2016 January - Verdane Capital
# Pensionara - 2016 March 15th - Alexander Pärleros
# Happy X - 2016 April 13th - Carl-Viggo Östlund
# Bolånegruppen - 2016 May 25th - Springfield project
# Open Solution - 2016 June 14th - unknown amount & investor
# Klarna - 2016 June 27th - 31.9 Million Euro
# Bolånegruppen - 2016 July - Schibsted
# Value Qard - 2016 July - Mikz Global, Wellstreet
# Better Wealth - 2016 December - Collector Ventures, NFT Ventures
# Mr. Shoebox - 2016 December - Collector Ventures, NFT Ventures
# Nordkap - 2017 February - Collector Bank
# Sciety - 2017 February - unknown amount & investor
# AS OF JUNE 2017
FINTECH COMPANIES THAT RECEIVED AN UNDISCLOSED AMOUNT OF FUNDING*
# VENTURE - DATE OF RECORDED INFORMATION - INVESTOR

17. 3069

18. FINTECH INVESTMENTS IN ABSOLUTE NUMBERS IN 2016 IN M.EUR
42 - AVERAGE AGE OF
A FINTECH FOUNDER

19. TRENDS: MATURITY OF OUR FINTECH ECOSYSTEM

20. STOCKHOLM
SCHOOL OF ECONOMICS
Reality of the dedicated FinTech support (oversimplified)
by 2017. Not a castle yet.
Source: http://podroze.onet.pl/na-weekend/zamek-w-
malborku-krzyzacka-warownia-na-pomorzu/cvcm5
LET DO THIS!
WE DONT
KNOW YET
WHAT WE ARE
BUILDING :)
2018