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The future 

of finance:
rebundle
Hi! My name is Bart.
I work for digital 

agency
Find me on : @netlash.
The future of finance:
Unbundle or rebundle?
The SiliconValleyVC’s are digitizing your business.
Investing heavily in startups.
The hoodies are coming…
You’re digital.
Face it.
Banks are digital.
There’s nothing more bits and
bytes than moving money
around…
So you have to follow the native properties of internet
1. platform based
2. user centered
3. contextual & data-driven
4. pull not push
1. Platform thinking
“Small pieces loosely joined”
‣ unbundling is happening
‣ in a network, the value is in the connections, not the nodes
‣ connect users & ecosystem
‣ open up your platform
‣ but own the front-end (UX)
Own the platform, not the nodes
This is why the Apple ecosystem, Facebook
(Instagram/Messenger/Whatsapp) and even
P2P chat apps like Snapchat are working hard to
become a platform and an aggregation layer.
Facebook owns 4 out of top 5 social networks.
Facebook unbundles itself, driven by dedicated UX.
WeChat (Tencent) from chat app to payment platform.
In a digital user-centered world, winners own the
connection with the end-user (UX).
Alibaba, the
most valuable
retailer, has no
inventory.
Uber, the
world’s largest
taxi company,
owns no fleet.
AirBnb, the
largest
accommodation
provider owns no
real estate.
Facebook, the
most popular
media owner,
creates no content.
Platform companies, owning the front-end.
Disrupt the disruptors.
There’s always room for a front-end layer on top.
Banks already own the connection with the end-user.
(For now.)
The Future of Finance
‣ bitcoins?
‣ new mobile wallets?
‣ Bancontact?
‣ P2P like Transferwise?
‣ Paypal?
‣ Facebook credits?
‣ Sixdots?
Payment systems will become ‘dumb pipes’ (see Telco).
Who knows which payment system will win?
Telco escaping ‘dumb pipes’:
Rebundle with focus on UX: Invest in services (content):
Own the platform, not the nodes
bitcoins wallets p2p snapcash …
SWIFT
Avoid the dumb pipes by building UX & services.
Unified banking front-end (UX)
API
‣ make banking API-based
‣ surpass the dumb pipes
‣ build a component-based model
‣ “Banking As A Service”
‣ add value in the services for end-users
‣ build a superior front-end (UX)
Become the BAAS
Banks have the unique opportunity to own the front-end.
Reduce the pain of navigating a fragmented experience.
Build an excellent user experience.
Rebundle an unbundling landscape by superior UX.
Think like a platform.
2. User centered
“Jobs to be done”
Why is the user ‘hiring’ your service?
Don’t focus on the product. Get closer to the transaction.
‣ I want to buy shoes (not handle the debit card).
‣ I want to own a home (not take out a loan).
‣ I want to manage my budget (not look at my account).
Build the User Experience around the transaction.
Understand the final need of the user
Simple
Can I afford
these shoes?
‣ Decentralise your network.
‣ Obviously: all digital channels.
‣ (OMG! There’s still doubt around responsive/mobile?)
‣ Forget: “money in branches”.
‣ Branches are useful for distribution of UX, not cash.
‣ Banking is no longer somewhere you go, but something you do.
‣ Cloud based - no office needed!
Be where the user is
Why not have digital nomad bankers
moving from co-working space to
co-working space?
Omnichannel must die!
It shows you’re still thinking
in siloed channels.
Stop using the word “omnichannel”.
It's like having a ‘multi-
counter strategy’…
Digital does not mean ‘computer-
only’.
The human smile is needed!
Embed humans in the interface.

Make the user experience as
human as possible.
(I’m betting on video, videochat and live
streaming.)
Be user centric.
3. Contextual
The age of context
Data transforms into information or advertising,
depending on the context of the consumer.
The age of context
If I want to buy a car, and I find a bunch of paper
advertising for diapers in my mailbox - they go
straight into the bin.
If I want to buy a car, and I find a bunch of paper
advertising for cars in my mailbox - I take them with
me to the couch and read them all night.
The age of context
Data transforms into information or advertising,
depending on the context of the consumer.
The age of context
The age of context
spam advertising info
less context more context
‣ demographic (segmentation)
‣ search word
‣ location
‣ friends
‣ browser history
‣ activity (work, home, bar)
‣ …
The age of context
IoT: the 4th platform.
Context is ambient
Not just segmentation or personalisation.
Context is in the sensors of objects surrounding us -
our personal data cloud.
Internet of things: how users are signaling their
context.
Need: location closest shop. Need: home delivery next week.
The Future of Finance
The Future of Finance
Personal & Relevant
Ok Great
less personal more personal
more relevant
less relevant
Creepy…Bleh
Act contextual.
4. Pull not push
Pre-internet Internet
D
e
c
i
s
i
o
n
P
r
o
c
e
s
s
Supplier
Product
Solution
ProblemSupplier
Problem
Solution
Product
Branding
Branding
Content
Marketing
HILI
‣ don’t push, but capture the intent
‣ real-time
‣ kill ‘batch’ thinking!
‣ 1-on-1 & personal
‣ intent first, campaign second
‣ intent first, product second
‣ predictive?
Capture the intent
(You might need a different team structure to
be able to do that.)
‣ Self-learning
‣ Lean
‣ Autonomous
‣ Multi-disciplinary
Get out of the silos!
SLAM-teams
Pull, don’t push.
You have to follow the native properties of internet
1. platform based
2. user centered
3. contextual & data-driven
4. pull not push
Own the front-end by superior UX.
Closing thought.
Closing thought.
“Ik ben een God in ’t diepst van
mijn gedachten.” (Kloos)
Waar is God?
God is overal: in de hemel, op aarde en op alle plaatsen.
Ziet en weet God alles? 

God ziet alles, zelfs onze geheimste gedachten; Hij weet alles,
ook de toekomende dingen.
Omnichannel Cloud
Contextual
Privacy
Predictive
Data-driven
Mechelse Catechismus:
Conversation
Questions?
Questions?
Questions?
Questions?
bart@wijs.be
@netlash
Wijs bvba
Voorhavenlaan 31/3

9000 GENT
09 335 22 80

09 330 09 83
http://wijs.be

info@wijs.be
BE 0473.071.275
The Future of Finance

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