«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services. Views expressed in this presentation are my own.

1. Branch
Internet
Mobile
Digital
Evolution of Banking services 2/3
Alessio Bonetti - @b0n3tt1

2. Second Chapter
What is a Financial service
startup and what does
Fintech mean?

3. Brett King – Speaker, Author, Radio
Host, Innovator & Founder of
Moven
Chris Skinner – Digital bank guru,
Speaker, Author & blogger
Matthias Kröner – CEO @Fidor Bank
Michal Panowicz – Former
Managing Director, Marketing &
Business Development @mBank,
now @Nordea Bank
INNOVATORS

4. PIRANHA?
FINTECH

5. • Citazione Dimon Sees
“WHEN I GO TO SILICON
VALLEY…THEY ALL WANT
TO EAT OUR LUNCH. EVERY
SINGLE ONE OF THEM IS
GOING TO TRY.”
JAMIE DIMON - CEO JP

6. Banking
PoS
Electronic
money
PaymentsLending
Insurance
Personal
Finance
Advisory

7. Banking
PoS
Electronic
money
PaymentsLending
Insurance
Personal
Finance
Advisory

8. Fintech
Start up
Digital
Leaders
BANKS

9. Online + Mobile + Alternative deposit - 17%
Alternative payments + issuance fee reduction - 6%
Direct/peer to peer mortage providers - 5%
Price comparison portals + fee reduction - 3%
Fonte: Accenture «Everyday Banking» Research, 2014
Payment &
credit cards
Deposit &
current
Account
Lending
Asset
management
IMPACT OF FINTECH ON BANKS’ REVENUE

10. 3.000 STARTUPS WORLDWIDE
3 BILLIONS US$ INVESTED

11. Fintech - Pagamento
1. PAYMENTS

13. Fintech - Advisory
• Personal capital
2. ADVISORY

17. Fintech - Lending
3. LENDING

19. P2P MARKET WORTHS A TRILLION US$

20. Fintech - Lending
WHY SO HAPPY?

21. Fintech - Lending
9 BILLIONS US$ VALUATION AFTER IPO

24. Fintech – Scoring & Funding
4. LOANS

25. 5. CROWDFUNDING

26. 6. SERVICES

27. 7. BIGDATA

28. FINTECH’S STRENGTHS

29. BETTER
STRONGER
FASTER
CHEAPER

30. “IF SOMETHING IS IMPORTANT
ENOUGH, EVEN IF THE ODDS
ARE AGAINST YOU,
YOU SHOULD STILL DO IT.”
ELON MUSK
CEO TESLA & SPACEX

34. P2P LENDING

35. Traditiona
llending

36. Traditiona
llending
Lending
amongst
friends

37. Traditiona
llending
Lending
amongst
friends
Risk
P2P
lending

38. Fintech - Lending
US$ 9.000.000.000

39. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/

40. Fonte: FT, http://www.ft.com/cms/s/0/f3135594-7f82-11e3-b6a7-00144feabdc0.html, Lending memo, http://www.lendingmemo.com/

41. Fonte: Lending memo, http://www.lendingmemo.com/ su elaborazione Investor relations 2014 di Wells Fargo e Lending Club

42. FINTECHS HAVE LOWER COSTS

43. https://www.lendingclub.com/info/statistics.ac
tion
https://www.lendingclub.com/
FINTECHS USE DATA. BIGDATA

44. US$ 1.000.000.000.000*

45. WHAT IF WE PUT MONEY IN P2P PLATFORMS?

46. Fintech - Pagamento
PAYMENTS

49. +

50. +

58. SP in the next 5 years…Worldwide!

61. BANKING

62. “WE BUILT AN INDUSTRY
ON THE PHYSICAL
DISTRIBUTION OF PAPER IN
A LOCALIZED WORLD, AND
WE’RE NOW HAVING TO
GET TO GRIPS WITH THE
DIGITAL DISTRIBUTION OF
DATA IN A NETWORKED
WORLD.”
CHRIS SKINNER

63. Fidor e M. Kroner + slogan

64. Fidor: from latin fidere, «you can count on it»

65. Fidor Bank: «Banking mit Freunden»

66. “THE FIDOR SMART
ACCOUNT KILLS THE
TRADITIONAL BANK
ACCOUNT, LIKE THE
SMARTPHONE KILLED THE
MOBILE PHONE”
M. KROENER - CEO FB

67. 1. COMMUNITY

68. 2. COLLABORATION

69. 3. CROWDFUNDING

70. 4. P2P LENDING

71. 5. SOCIAL NETWORK

72. 6. PAYMENTS

73. FINTECHS HAVE LOWER COSTS

74. Traditional Bank vs
Average cost for a KYC Customer

75. LESSONS FROM FINTECH

76. CLEAR VISION

77. SMART STRATEGY

78. UX AS A VALUE

79. Design-driven change management
Loan process in 30 s?
Organisational
change
BusinessIT
Risk management
Legal
Compliance
SecurityAudit
Supervisor
ZBP
Others
DESIGN-DRIVE CHANGE MANAGEMENT

80. OPEN ARCHITECTURE

81. LEAN APPROACH

82. Ok, but how can
Banks take
advantage of
Fintechs?

84. Interested?
Don’t miss on slideshare the third chapter of
Branch, Internet, Mobile, Digital
that explores some of the smartest strategies
adopted by wise banks.

85. Let’s keep in touch!

86. LINKEDIN: LINKEDIN.COM/IN/ALESSIOBONETTI

87. TWITTER: @B0N3TT1

88. Disclaimer
«Branch, Internet, Mobile, Digital» is a study that aims to
synthesize and connect some of the most innovative actions
that Banks, Fintechs and other actors are undertaking to
develop a new model for the financial services.
Views expressed in this presentation are my own.

89. Branch
Internet
Mobile
Digital
Evolution of Banking services 2/3
Alessio Bonetti - @b0n3tt1