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TRANSCRIPT
IDC Finance Technology Conference20 Ekim 2016
FinTech İstanbul Platformu
Prof. Dr. Selim YAZICICo-Founder
FinTech Istanbul
@SelimYazici
Girişimcilik dünyasında 2014 yılından beri en çok duyulan kelime: “FinTech” Nedir bu FinTech?
“Finansal HİZMET” sağlamak için“TEKNOLOJİ” kullanımı !
Bankacılık
Sigortacılık
Aracı Kurumlar
Finans dünyasına, dijitalleşme ile çözüm: “Yeniden Yapılanma”FinTech Neden Gündemde?
Dijital kanallardan anında;
çözümler sunar
bireyselhızlı esnek
“Dijital Dönüşüm”FinTech Neden Gündemde?
Dijital kanallardan anında;
çözümler sunar
bireyselhızlı esnek
“Korkunun Ecele Faydası Yok”FinTech Finansal Hizmetler Dünyasını Yeniden Şekillendirecek
• Önümüzdeki5yıliçindeglobalFinTechyatırımlarının
150MilyarUSD’yi aşmasıbekleniyor.
• FinTech’ler %100müşteriodaklı
• Müşterininçektiğiacıyıbiliyorlar
• Yeniişmodelleriileyeniürünvehizmetlerigetiriyorlar
• FinTechStartupları gelenekselşirketlerinişlerinitehdit
edebilir
• BlockchainTeknolojisiçokşeyideğiştirecek
Çözüm:“Rekaberlik”
2010 2011 2012 2013 2014 2015
Sadece Aralık 2015’de 81 FinTech girişimi 1 milyar USD yatırım aldı.Dünyada FinTech
Son 5 yılda FinTech odaklıgirişim sermayesi (VC) sayısı
224
894
Sadece Google,
son 5 yılda 37 farklı FinTech
yatırımı yaptı
Dünyada FinTech Yatırımları
Fintech Landscape POWERED BYDEsignED BYPIERRE DREUX
vERsiOn 2.0
Financing (196)
P2P Lending (49)
Direct Lending (88)
Real Estate Lending (15)
Crowdfunding (44)
P2P Lending - Consumer (27)
Direct Lending - Business (46)
Real Estate Lending (15)
P2P - Business Lending (22)
Direct Lending - Consumer (42)
PPDai
The Receivables
Mintos
Pret d’Union
LiftForward
Money360
Jimubox
Avant
Behalf
Lamudi
Argon Credit
Yooli
quarterspot PayoffKabbage
Cadre
PaveSoFi
Zopa
BlueVine
RealtyMogul
Funding Circle
Vouch
Auxmoney
OnDeck
Harmoney
Bond Street
Dianrong
Earnest
Smava
Swift Capital
GROUNDFLOOR
Rong360
Affirm
LANDBAY
DealStruck
Properati
Oportun
China Rapid Finance
InVenture
AssetAvenue
Lendix
Borrowell
SocietyOne
CAN Capital
Visio Financial Services
LENDOPOLIS
LendUp
Dashu Finance
BLender
Lighter Capital
LendingHome
PayPal Credit
Bondora
Mirador
RenrendaiFaircent
Renew Financial
LendInvest
Assetz Capital
Better Finance
Lending Works
Strategic Funding Source
Lianjia
Progressa
Afluenta
RapidAdvance
Smartika Lendify Lufax RateSetter
Lending Club Prosper
LQD Business Finance
Capify
Borro
Funding Options
ASTON iTrade Finance
Créancio
Microcred
EZBob
Capital on Tap
LoanBook Capital
Financeit
LinkedFinance
LoanNow loanDepot Lendful Financial
Grow
Wanglibao
Zibby
Weijinsuo
MoneyMe CreditShop
Orchard Platform
Kiva
LendKey Technologies
Upstart
Aye Finance Growth Street
Prospa
Advanced Merchant
NeoGrowth Credit
Phoenix Finance
Capital Float
Hanhua Financial
GreenSky
Meili Jinrong
Mosaic
Applied Data Finance
Wonga
Lendio
Oakam Fair Finance
StreetShares
Able
Neyber
Donation Based Crowdfunding (12)
Reward Based Crowdfunding (9)
BabyloanKickstarter
WatsiWiseed Network for Good
Ulule
CrowdRise FundlyUnilend
KettoOnevest
Leetchi.comFinsquare
Patreon
KissKiss BankBank
SpacehiveTilt
Classy
JustGivingIndieGogo
Equity Based Crowdfunding (23)
CrowdBnk SyndicateRoom
Companisto SmartAngelsCrowdcube Anaxago Arboribus
AngelList SeedInvestCircleup CrowdfunderStart Engine ApplePie Capital
WealthForge
FundedByMe ShareIn iAngels
Bnk ToTheFuture
Seedrs Invesdor
Symbid Equitise
Investments (108)
Asset Management (27)
Trizic
Indexa Capital
FolioMetrix
8 Securities
Wealthsimple
Third Financial Software
Harvest Exchange
Profile Financial Solutions
EQIS
PalicoFundbase
Liquid Holdings
Nutmeg
QuovoNovusiCapital Network
Octopus Investments
Wealthfront AlgoMerchant
NextCapital
True Potential
CovestorFirst Republic Bank
The Assets Close Brothers
CreditEase
MoneyFarm
Investment Platforms
(23)
Stockpile Axial Market
PrimeRevenue
Asset Match
eShares
SprinkleBit IMatchative
Founders Circle Capital
OneRent
SecondMarket
eToro Pandat Finance
Deposit Solutions
Interactive Investor
Scalable Capital
BullionVault
OurCrowd
Insurance (82)
Health Insurance (17)
Oscar
HealthCare.com
Picwell Limelight Health
Remedy Partners
LumityClover Health GravieCollective Health
Stride Health Array Health Solutions
Zane Benefits
GoHealth
Oration
SimplyInsured
Bright Health
Insurance - Consumer Platform
(11)Knip AG
One IncBought By Many
Insly ZhongAnProfit Software Next Insurance Jiff
FinanceFox Claim Di
Insurance Comparison (19)
Easypolicy
Coverfox Insurance
Finanzchef24
LeLynx
Bidu
Le Comparateur
Policybazaar
bayzat
Lesfurets.com
ComparaOnline Turtlemint BankBazaar
PolicyGenius
GetInsured
Goji
EverQuote
Hixme
CoverHound
P&C Insurance
(10)
Petplan Pet Insurance
FIGO Pet Insurance
The Zebra Esurance
Embrace Pet Insurance
TrupanionNationwide Pet
Driveway Software
TIO
Insurance Infrastructure (9)
Eligible InforcePRO Traity
Bloom Health
Trov
Apixio QuanTemplate
Shift Technology
Hepstar
Reinsurance (6)
Analyze Re
UNIQA
Swiss Re
Munich ReSCOR
Insurance Data (3)
InforcePRO Captricity Apixio
P2P Insurance (3)
Friendsurance LemonadeGuevara
Mobile/Product Insurance (4)
SquareTrade Asurion
Banking & Payment (356)
Banking (54)
Payments (302)
Virtual Banking (9)Banking
Platforms(22)
Mobile Banking (23)
Wallets (26)
Diasoft SureCash
Softcard
Mambu Nubank
Gratafy
Path Solutions Peppermint Innovation
Zafin
Kuapay
BML Istisharat mBank
FIS Banking Up
Buck
Avaloq Monese
Cover
FiservCapital Banking Solutions
MX Koho
Loop
Cobiscorp Fidor BankSeed Boom Financial
QGS
Q2ebanking ZenbanxD3 Banking QapitalYellowPepper
Salt MobiKwik Happay
Craft Silicon Atom BankIDEALINVENT StarlingFive Degrees Mondo
Chillr QuikWallet Cashcloud Pademobile Aston Club
Momoe Technologies
Bancore Paga
Yoyo Wallet Clipp Zoona Zebpay
D+H RocketBankCentralway Numbrs
LootTemenos PocopayRaisin GmbH Cashboard
Payment Platform (59)
Poynt inMediata Connect Your Care
Gumroad
First Data Corporation
CyberSource ElavonCashStar
Clinkle PlaySpan
Movilway Adyen fastacash Interswitch
PromisePay iyzicoDavinta Technologies
Electronic Payment and
YeePay Clear2Pay
InstaMed
Global Payments
SavingStar Inc.
Ixaris
Prairie Cloudware
Obopay
Moneris
Shopify
Mangopay
BlueFin Payment Sys
VPay
Stripe
Euronet Worldwide
MOLPay
WaveCrest
Lakala
UpLift
Bango
PayPoint
Xfers
Coda Payments
Ingenico Group
Electronic Payments
Patientco
WePay
Realex Payments
Goodbox
M-DAQ
Avalon Solutions
Align Commerce
Braintree
Wirecard AG Financial Soft and Systems
Pin Payments
Chime
POS Payments (55)
LoanHero MOGL ShopKeep POS TouchBistro
Lightspeed POSERPLY Leaf
payleven Powa SumUp Vend
Ezetap Jusp Tappr WALLMOB
FortunePay Gastrofix Paynear Tyro Payments
Merchant Customer
Worldline
Mosambee
SoftPay Mobile
CARDFREE
Revel Systems
orderbird
GoSwiff
Mobeewave
Square
ePaisa
Mswipe Technologies
Lavu
NCR Corporation
SecureNet Payment
QFPay
Swish Payments
Intelligent Point of Sale
CardFlight
Payfirma
Coiney
2can
iZettle
iBoxPay
PagPop
Tiller Systems
Cybertill
Mobile Payments (58)
Tipalti TrialPay Urban Airship M-Pesa
AyannahAmazon Payments
Apple Pay
Lemon way Lifepay Lydia MeaWallet
Clip Curve Citrus Payment PepperHQ
Danal
MultiSafepay
FreeCharge
Flint Wolt
Proxama
YapStone
LocoMobiSamsung Pay
NumberMall 2C2P
WoraPay
Be2bill
Paydiant
Monitise
LevelUp
sQuid
Ingogo New Media Insights
WyWallet
Bpay
PayNearMe
Activehours Moven
True Money
Velocity Pushpay
Juspay
Ensygnia
RegaloCard
PayRange
Mozido
Trustly PayQR
ikaaz
SimplyTapp
QuickPay Corp.
NUMBER26
OsperNextBank Project
Unwired Nation
Etronika
Compte-Nickel
Holvi
Technisys
Simple
TransferTo
OrderMate
Verifone Holdings, Inc.
Paymentwall
Infrastructure & Enabling Technologies (326)
API/Connectivity (26)
Business Tools (99)
API (12)
figo
Plaid
StockTwits
Finicity
CardMobili
Spreedly
streamdata.io
Marqeta
Connectivity (14)
Swirl Networks
Driversiti Mojio
Nymi
Zubie
Area360
Zendrive
Shopkick
Automatic
Estimote
TrueMotion
ERP CRM PSA (20)
Syniverse
Vestorly
FinancialForce
Kenshoo
MPP Globalt
Intacct
CardlyticsKofax
ModusLink
Upserve
mFino
Xignite
Financial Software (23)
BizEquity
YCharts Nirvana Solutions
OpenFin
Firm58
DealCloud
AMfine Services &
IEX Group
eVestment
Kurtosys
Investview
Karmic Labs
ModelityINVIVOOFinance Active
HR Payroll (18)
Ceridian
Sage Pay
Justworks Gusto
Maestro Health
iiPAY
Namely
Maxwell Health
Instant Financial
SalaryFinance
PayActiv
Heartland Payment
Joyowo.com
ZenefitsMpay
Accounting(36)
Qvinci
Webgility
VATBox bexioFreeAgent XpenditureCommon Ledger
ET Network
Canopy Tax
Centage
BookKeeping Express
Intuit
Accounting SaaS Japan
Bench
FloQast CloudabilityCoupa
Wave HQ Nvoicepay
ContaAzul
Freee Receipt BankXero
Malauzai Software
Dopay
Probanx Info. Systems
Flypay
Paddle
PayMate
ecoPayz
Heoh
Innoviti
Invoicing (20)
Recurly
Invoicera
Payoneer
IP Payments
Viewpost
Snapcart
Tradeshift
InvoiNet
Taulia Corcentric Fundbox
MineralTree
VersaPay Billtrust
Chrome River Technologies
Invoice2go Sensibill PayTango SwervePay
Vendorin
Personal Finance - Expense Related
(22)
Perfios
Meniga
GuiaBolso
Tink
Wacai
Splittable
Money Dashboard
MoneyBrilliant
Squirrel
MoneyForward
Linxo
Bankin
Money View BillGuardReadyForZero
LearnVest SmartAsset
Mint.com
Expensify
Even
Zebit
AppCard
Splitit
Limonetik
WorldPay
Cachet Financial
Dream Payments
FAMOCO
Judo Payments
Abra
Lendstar
PayOne
Credorax
Candis FirstBest
Gen Re
Unirisx
TopCheck
FundsIndia
Snapsheet
Zest Health
BreadBTCjam CircleBack
Sensible Lender
AmicusFleximizeFundation Group
iwoca
Kubo Financiero
MarketInvoice
Prestiamoci
Ethos Lending
Think Finance
Toast
P2Binvestor
OneAssist
Scivantage
Sindeo
The Credit Junction
Coins.ph
Billing (20)
Vindicia Zuora Aria Systems
Bill.com
UberBoku
mopay
ChargeBee Emergent Payments
WithMe Ingo Money Paymobile
Payzone
One97
JunoTeleDaoPay Fortumo
iVinci Health Transactis
Obillex
InDinero
Money/Transfer (23)
Remitly doxo Afrimarket
Xoom Flywire
Western Union Company
Dwolla
TFI Markets Ltd Revolut TransferWise Ebury WorldRemit Azimo
CurrencyFair Currency Cloud Covercy Earthport Wayerz
PayTop TransferGo
Payfriendz
Money Mover
Ripple
CrediFi
ApexPeak
C2FO
Finexkap
Cards (17)
American Express
MasterCard Visa card.com UniRush ProPay Bluepay
AstroPay Creditcall Neteller Prepaid Financial
ItzCash Card Ltd.
Chase Paymentech
Discover Financial
MONI
Blispay
Blackhawk Network
Archer
Personal Finance - Investment (16)
Stockspot
Ewise Yomoni
Digit
Acorns
FutureAdvisor
Personal Capital
FeeX Anatec
Marie Quantier
Moneybox
AspirationBetterment
InstaPartners
InvestX
Platforms (23)FX (5)
Brokers/Trading(18)
Kantox
Bizfi
Calastone
Barracuda FX LoanLogics eProdigy Finance
Algomi
Pepperstone
TrailStone
Wikifolio
InvestLabFX4Biz Portware InfoReach Fundera
WeSwap
Super derivatives
Darwinex
Meilleurtaux.com
Motif InvestingCompare Asia Group
SR Labs Robinhood
Institutional Investment (7)
Snowball Finance
SigFig
Addepar Trusted InsightDriveWealthKapitallZanbato
Scripbox
Street Contxt
RentMoola
Satispay Sequent Software
Paynova
Online Payments (24)
Alipay Nochex GoCardless Klarna Red Dot Payment
Paysbuy PayPlug Skrill WebMoney
Payname eWay SlimPay SOFORT
Traxpay Xsolla ZooZ2Checkout
PayPal Venmo Zipmark Ant Financial
OptioPay
Parkmobile
Razorpay
Compliance & Scoring (19)
Scoring (9)
LenddoCredit Karma
Credit Sesame
ClearScoreCreditMantri
Aire
Compliance (10)
CBANC Network
Banker’s Toolbox, Inc
Corlytics
Continuity Control
Fenergo AQMetrics
FundAppsCognia
Wecash ZestFinance
Fintellix
TransUnion TrustWeaver
Navera
PokitDok
Plansource
CommonBond Cumulus Funding
EarlySalary
FinanzCheckLendable WeLab zipMoney
Kueski
Moula
Qredits Thinking Capital
FastPayLiberis
Real Estate Investment (13)
EarlyShares
CrowdStreet HomeUnion
Fundrise
RealtyShares
Real MattersPatch of Land
Acquire Real Estate
Property Partner
BrickVestInvestorist Property Moose
Roofstock
investUP
Branch
Savedo
Swanest
Openmarket
Crypto currencies (23)
Crypto currencies (23)
KnCMiner
Xapo Ledger BitstampShapeShift.io NeuCoin BTCC
Paymium bitFlyer
21 Inc
Bitcoin Group
Circle Internet Financial
BitX Blockchain Bitbond
Kraken Bitcoin Exchange
Uphold Mirror
BitPay
Coinbase Bitnet Technologies
Coinplug
Simplex
AmeriQuest
Digital River
eFileCabinet
Moneytree
MyCFO
Procurify
Agreement Express
Security (43)
Biometrics (8)
Zwipe
BehavioSec
iProov
EyeVerify
BioCatchFace++
Bionym Nxt-ID
Authentication (35)
Ping Identity Finsphere Zumigo TruliooFortress Risk Management
Vogogo Ethoca Druva Norse
Tyfone Centrify InAuth DashlaneVerisign, Inc. Signifyd Sift Science Id Analytics IdentityMind Global
ThreatMetrix
Pindrop
Nok Nok Labs
Verato
OneLoginSecureKey
ThetaRay Riskified Cardinal Commerce
Jewel Paymentech
Gemalto Oberthur Technologies
Feedzai Jumio Mitek Systems
PayfoneEvercompliant
nCino
Melotic
Apprenda
DealGlobe
TradAir
Interactions
Vanare
S-money
Covisint
PaySimple
MyCheck
Tabbedout
Miura Systems
TableSafe
Blockchain (12)Blockchain
(12)
Digital Asset Holdings
BitGo Blockstream
PeerNova
COLU
SymbiontGem Chain
Spondoolies-Tech
Elliptic
digitalBTCitBit
Data & Analytics (81)Analytics/BI
(38)
Ayasdi
Global Analytics
Equifax
Digital Contact
Haver Analytics SAS TidemarkPalantir Teradata Powerlytics Narrative Science
DueDil
Thomson Reuters
Actiance
FinGenius
Dataminr
DataFox
SynerScope
OpenGov
TRData
AlphaSense ACTIV Financial Digital Reasoning
Privitar
Context Relevant
MapR Technologies
Metric InsightsActian1010Data Kensho Technologies
Risk Management (11)
Algorithms(6)
Sentient Technologies
Reval InfoTrie Financial
Credit Benchmark
Kyriba I Know First
PeerIQ Kreditech
OpenGamma Estimize
DemystData
Cortera
News/Research (11)
Dow Jones & Company
SemLab
CBInsights
Seeking Alpha
MNI
Interactive Data
TipRanks
Bloomberg
PitchBook
Eagle Alpha
NerdWallet
iMoney Group
Praedicat
Captricity
Quantopian
modeFinance
Riskalyze
Hanweck Associates
Real Estate Platform (9)
BayutEarnix
Vast
Strands
TrueAccordYodlee
FINCAD - The Future of
CompStak
Housing.com OpenHouse Realty
PropertyGuru
Purplebricks ZipMatchZameen.com Proptiger
BIMA
Metromile
TheGlobalFinTechLandscape• >1000Companies• >$105BinFunding• >$867BinValue
Source:Startups.WatchJune21,2016
TotalFinTechInvestmentActivitiesinTurkey(2012-2016)(InvestmentAmounts&NumberofDeals)
TotalInvestmenttoFinTechStartups:$42.6M(2012-2016YTD)+125FinTechStartups
Türkiye’de FinTech Ekosistemi !
FinTech Ekosistemi
İstanbul İçin Fırsat!
DOĞRU YER DOĞRU ZAMAN DOĞRU KAYNAKLAR
• İstanbul Finans Merkezi vizyonu ile paralel
• İdeal lokasyon
• Avrupa ile finansal entegrasyon
• Dünya ile aynı anda büyüme
• Güçlü bir finans sektörü• Nitelikli insan kaynağı• Finansal altyapı
PLATFORMU
Ekosistemin Buluşma Noktasıwww.FinTechIstanbul.org
Vizyonumuz ve Misyonumuz
İstanbul’u, bölgesel “Finansal Teknoloji Merkezi” haline getirerek, Türkiye’nin finans alanındaki rekabet gücünün artırılması.
• Türkiye’de finansal teknolojiler konusunda eğitim, bilgilendirme, yönlendirme ve işbirliği olanakları ile ekosistemi güçlendirmek.
• Güçlenen StartUp’lar ile yabancı yatırımcıları çekerek, cazibe merkezi haline gelmek.
• Finans sektöründeki nitelikli işgücü için yeni istihdam yaratmak.Misyonumuz
Vizyonumuz
“FinTech İstanbul” Platformuİlgi Düzeyi• 1.253 Twitter takipçisi
• 766 Facebooksayfasınıbeğenensayısı• 187 LinkedInGroup üyesayısı
• 2.019 Son1aydawebsitesiniziyaretedentekilkişisayısı• 399 Websitesindekiblogyazısısayısı• 289 Websitesinisüreklitakipedenüyesayısı• 740 Maillist üyesayısı
• 5.883 Websitesitemmuzgörüntülenmesayısı• 6.682 Websitesiağustosgörüntülenmesayısı• 8.411 Websitesieylülgörüntülenmesayısı• 6.638 Websitesiekim(ilk19gün)görüntülenmesayısı
• Herayortalama%20dahafazlakişiyeulaşıyoruz
FinTech İstanbul
Eğitimler Buluşmalar Uluslararası İşbirlikleri
İçerik ve Yayınlar
FinTech 101Eğitim Programlarımız
• FinTech dünyasına girmek isteyen girişimci adayları
• Yurtdışına açılmaya çalışan FinTech girişimcileri
• İnovasyon, girişimcilik ve dijital bölüm çalışanları
GİRİŞİMCİLER KURUMLAR YATIRIMCILAR
• FinTech dünyasına ilgi duyanyatırımcılar
Ekosistem Buluşmaları
Başarılı ve Başarısız Girişim Hikayeleri
Finans Sektörü Üst Düzey Buluşmaları
Konuk KonuşmacılarTematik Buluşmalar
Networking Etkinlikleri
Uluslararası İşbirliği Fırsatları
San FranciscoABD
LondraAvrupa
SingapurAsya
3 kıtada işbirliği fırsatı
Global FinTech Hubs
Deloitte: Connecting Global FinTech: Hub Review 2016
Index Performance ScoreIndex Performance Score is predicated upon three business indices (“Business Indices”):
• Global Financial Centre Index1
• Doing Business 2016• Global Innovation Index
A lower Index Performance Score suggests that the Hub is more conducive to the growth of FinTech
İçerik ve Yayınlar
• Chris SKINNER’ın Kitapları
• MelikeBELLİ– Banking and Fintech
• WebContent- Blog
FinTech 101Girişimciler için FinTech Eğitim Programı
AMAÇ KONULAR
FinTech girişimcilerinin ihtiyaç duyacakları eğitimleri sunarak,
girişimlerinin yetkinliklerini artırarak başarı oranını yükseltmek
FinTech Dünyası ve Ekosistem
Rekabet: Fırsat ve Tehditler
Kullanılan Teknolojiler
Uyum, Regülasyonlar ve
Siber Güvenlik
FinTech Girişimleri ve Özellikleri
Yatırımcıya Hazırlık
Teşekkürederim