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Andrius Biceika (Revolut): The New Era of Digital Banking

@FinTechShow - 2018.05.03.

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Andrius Biceika (Revolut): The New Era of Digital Banking

  1. 1. The New Era of Digital Banking. Revolut’s Perspective. Andrius Biceika, Head of Business Development
  2. 2. “Digital Banks” Source: http://banknxt.com/61041/consolidation-challenger-banks/
  3. 3. Fundamentals Source: http://www.kpcb.com/internet-trends 3.5 mlrd. 30% 8.25 s
  4. 4. Problems (with banks) SneakyInconvenientExpensive
  5. 5. OverviewOur Product
  6. 6. Core Solution: Free & Instant Spend 0% FX mark up 0 fees ATM withdrawals Exchange Interbank rates Send & Request Instant transfers 0 fees
  7. 7. Next Generation Security Instant transaction notifications Disable/enable as you go • RevolutCard • Location-based security • E-commerce • ATM • Contactless • Magstripe
  8. 8. Multiple Cards Create several cards linked to one account • Family members • Spare cards • Virtual cards • Limits per each card • Disposable virtual cards for enhanced security
  9. 9. Different Delivery Methods Three choices to deliver the card. • Normal delivery (5 working days) • First class delivery (3 working days) • Next day delivery (1 day)
  10. 10. Transaction Details See additional transaction details • Transaction location • Upload receipts
  11. 11. Split Bills Split bills with friends • They can be using Revolut • or not…
  12. 12. Chatbots Chatbot resolves almost 1/3 of all queries • Average rating is 4.4 out of 5 • Can answer different questions (FAQ - related, what exchange rates are, etc)
  13. 13. Current Accounts Unique bank accounts • GBP current accounts • EUR IBANs • other currencies are coming soon
  14. 14. Credit Get instant credit on your Revolut Account • Average APR 9.9% vs 20%+ on credit cards
  15. 15. Premium Account Premium account allows to have • free unlimited FX • free premium card • free travel insurance • free global card delivery • double free ATM limits • special offers
  16. 16. Vaults
  17. 17. Device Insurance Protect your phone against all accidental damage from £1 per week.
  18. 18. Pay-per-day Travel Insurance Travel Insurance from £1 per day
  19. 19. Cryptocurrencies
  20. 20. OverviewRevolut for Business
  21. 21. Our Solution 25,000+ businesses registered Including many global brands…
  22. 22. Open API Integrate your existing business software and processes
  23. 23. Open API Case Study Delivery companies API allows payment triggers — these can be based upon events like a successful delivery Instant payment delivered via Revolut Pay directly to the courier’s card
  24. 24. OverviewWhat’s Next
  25. 25. Global Expansion We’ll be taking Revolut Global in 2018. First up: • The USA, Canada, Asia… • And more!
  26. 26. Revolut Wealth Profile News & offers Settings MoreAnalytics Cards Support 2 Account Wealth New Insurance CreditPremium
  27. 27. Budgeting Sophisticated and simple analytics to help you stick to your budget.
  28. 28. Banking Licence We have applied for a European Banking Licence! This will give you access to: • European Deposit Protection Scheme • Cheap, fast personal loans & overdrafts • Direct Debits • In-house processing (2018)
  29. 29. Merchant Accounts Re-inventing merchant accounts • 10x savings for merchants • Zero chargeback fees
  30. 30. OverviewTraction
  31. 31. Overview • Launched 33 months ago • Total investment to date: $330M • 350+ employees • 1,800,000+ users • 25,000+ registered businesses
  32. 32. 1,800,000+ users with no marketing 300,000 600,000 900,000 1,200,000 1,500,000 1,800,000 Jan 2016 Jan 2017 Apr 2018
  33. 33. Active Users Monthly 303k 535k 768k 1000k Jul 2016 Mar 2018 850,000+ Daily 93k 185k 278k 370k Jul 2016 Mar 2018 250,000+
  34. 34. Transactional Volume Cumulative (USD, billion) 3 5 8 10 Jan 2016 Jan 2017 Feb 2018 $50+m Day Monthly (USD, million) 408 805 1203 1600 Jan 2016 Jan 2017 Feb 2018 35% MoM
  35. 35. Revolut around the world
  36. 36. Thank you! Andrius Biceika - andrius@revolut.com - Head of Business Development

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