from “toothbrushes” to ecosystem: we will see fintech-bank soon

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  • FINTECH-BANK

  • 2012 2013 2014 2015 2016 2017 2018

    Toothbrush era Ecosystem creation

    You perform just one function,

    but better than anyone,

    and when you are irreplaceable

    and used every day.

    Services are starting to partner

    and merge with each other in

    some way.

    The casual customer wants to get a comfortable ecosystem of services with seamless integration allowing him/her

    to easily use data from one service inside the other and enjoy the benefits from their joint use.

  • 2015

    Fintech-entrepreneurs started

    to work together against the large banks

    If we were to decompose a bank, there would be a fintech company

    that can substitute each service the bank provides.

    If there is a fintech company for each service a bank provides,

    do we really need banks?

  • Cheap&fast customer

    acquisition,

    but low margin

    High margin,

    but expensive CPA

    Cheap&fast customer

    acquisition

    High margin

    Better tailoring

    to customers needs

    More data = lower credit risks

    Fintech-startups started to makepartnerships

    Online-trading Online-remittances

    Online-bank mPOS

    mPOS e-wallets

    Online-lending Online bank

    Online-lendingOnline bank

    Mobile bank Online-remittances

  • The largest fintech-companies started diversification of their product line

    Tablet-based cash-registers

    POS-management systems

    Online-acquiring

    SME-loans

    p2p-remittances

    PFM (personal financial management)

    Online-trading

  • Open APIs economy

    External developers can extend platform functionality using APIs

    Business model of

    banks and insurance

    companies do not

    suppose cooperation

    with new wave of tech

    companies.

    63 insanely useful APIs

    across 12 segments

    The BaaS structure

    allows users to create

    and consume value.

    In the near future would

    be possible to

    build their own bank

    through apps, APIs

    and analytics.

  • From SaaS to BaaS bank-as-service

    Its basically cheaper and better paying for applications

    as you use them, rather than buying them.

    BaaS as back-end platform to host, launch and scale any fintech-startups.

  • Others need platform to expand.

    fintech-startups have successfully managed to expand globally.

    Only

    25

    scaling to other marketsBaaS

  • Neo - and challenger banks as FRONT-END of aggregation movement

    Accounting

    SME-lending&factoring

    Online-acquiring

    Insurtech

    Online-trading

    Online-remittances

    PFM&PFP

    e-wallets

    P2P-lending

    Online-lending

    Online-lending for students

    P2B-lending

    Soon:

  • World map of BaaS & neobanks

    Anna

    Based on Life.SREDAs partnership and connections with

    all players on the market and analysis of their strategic movements,

    we predict the big changes that will happen in the industry in 2016.

  • NEXT STEP FINTECH-BANK

    Philippe Gelis, CEO at KANTOX:

    The second wave of fintech,

    to come in two to five years

    time, will be marketplace

    banking (or fintech banks).

    A core banking platform built from scratch;

    An API layer to connect to third parties;

    A compliance/KYC infrastructure and processes;

    A banking license, to be independent from other

    banks and the ability to hold client funds without

    restrictions;

    A customer base/CRM, meaning that the fintech

    bank will have the customers, and a customer

    support team.

    1

    2

    3

    4

    5

  • NEXT STEP FINTECH-BANKFintech-bank as a unique bundle

    of independent fintech-startups

    ecosystem

    unique user experience

  • Fintech startups

    ecosystem

    Front-end

    banking back-end

    Licensed

    and regulated

    for end-users

    based on neobanks

    Middleware

    to host&scale

    fintech services

    What FINTECH-BANK is?

    Bank-as-servicebased on open APIs

    for Retail for SMEs

    Telecom Retail Internet

    giants

    BACK-END

  • Product-line of FINTECH-BANK

    Front-end

    based on neobank

    for retail

    Middlewarebased on open

    APIs

    Front-end

    based on neobank

    for SMEs

    1

    2

    Neo

    banks

    On

    line-a

    cqu

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    P2P

    -len

    din

    g

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    g

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    line-l

    en

    din

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    or

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    den

    ts

    P2B

    -len

    din

    g

    SM

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    en

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    g&

    fact

    ori

    ng

    Cro

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    dfu

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    &cr

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    nd

    inve

    stin

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    On

    line-t

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    On

    line-r

    em

    itta

    nce

    s

    PFM

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    ou

    nti

    ng

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    rtech

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    men

    t sy

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    &

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    bas

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    h-r

    eg

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    rs

    mP

    OS-a

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    irin

    g

  • Where it will happen?

    Life.SREDA VC

    Blk 79, Ayer Rajah Crescent #05-08

    Singapore 139955

    e- mail: info@lifesreda.com

    www.lifesreda.com

    To know more about fintech:

    www.fintechranking.com

    Melbourne

    Hong Kong

    Seoul

    Tokyo

    London

    New York

    Berlin

    San Francisco

    Singapore

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