henrichs.pdf

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The document discusses the future of banking in light of financial technology (fintech) innovations. It notes that technology companies view data as a key asset while banks traditionally have viewed products as the main asset. The document also examines regulatory rigidity challenges for banks in innovating, and how shadow banks have emerged to fill some regulatory gaps. It analyzes strategic levels for banks to extend, bend, or jump existing lines in response to the dynamic fintech landscape and competitive threats from other incumbent firms and adjacent players investing heavily in digital transformations.

Economy & Finance

FINTECH& The Future
of Banking
2019
FINTECH
FORGE

2 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
1. Technology
2. Data
3. Regulation

3 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

4 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
“Technology companies treat
data as the asset and products
are how they monetize it; we
banks view products as the asset
and data as an afterthought”
- CEO of $1.7b Bank

5 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Regulatory
Rigidity

6 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Shadow banks fill
regulatory gaps?
Piskorski

7 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
What is the job to done here?

8 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
“It is noteworthy that P2P
lending is not an
innovation in the
product space…”
- Balyuk

9 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

10 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Digital
Lipstick
on an
Analog
Pig
© FTForge, LLC

11 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Experience Level
Tactical Level
Strategic Level
© FTForge, LLC

12 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
The Innovator’s Dilemma
Time
Performance

13 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
…for Financial Services
Time
Performance
•Technology
•Processes
•People
•Culture
•Regulation
Tension
13

14 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
$100B+ invested in fintech
companies in last 5 years
Digital arms race from
other incumbents:
• New strategies
• Acquisitions
• Acquihires
Encroachment from
adjacent players:
• Retailers/Marketplaces
• Tech Companies
• Insurance
14 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

15 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Core Strategies & Tactics
Innovation Strategies & Tactics
Extend
the Line
Bend the
Line
Jump the
Line

16 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
Dynamic
Fintech
Landscape
Highly
Regulated
Environment
16 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

17 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

18 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
© FTForge, LLC @jasonhenrichs
Time
Pace
of
Change
You Are Here

19 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com
The journey is
just begun

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If you are interested in selling your pi coins in Canada, UK or any other country in the world, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch. Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners. Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant, i will leave the telegram contact of my personal pi merchant below. 👇 @Pi_vendor_247 #pi network #pi coins #pi #money #passive income.

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If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch. Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners. Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant, i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully. @Pi_vendor_247

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Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants. A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch. I will leave the telegram contact of my personal pi merchant to trade with. @Pi_vendor_247

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Where can I sell my pi coins at a high rate. Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch. This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below. A vendor is someone who buys from a miner and resell it to a holder or crypto whale. Here is the telegram contact of my vendor: @Pi_vendor_247

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henrichs.pdf

1. FINTECH& The Future of Banking 2019 FINTECH FORGE

4. 4 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com “Technology companies treat data as the asset and products are how they monetize it; we banks view products as the asset and data as an afterthought” - CEO of $1.7b Bank

14. 14 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com $100B+ invested in fintech companies in last 5 years Digital arms race from other incumbents: • New strategies • Acquisitions • Acquihires Encroachment from adjacent players: • Retailers/Marketplaces • Tech Companies • Insurance 14 © 2016-19 FT Forge, LLC, All rights reserved. | FTForge.com

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