Future of Money, Banking &

Payment Industry

The Best Way to Predict the FUTURE, is to CREATE it. (Alan Key)

مسعود زمانی

1394مرداد 6 www.it-cafe.ir

@masoud_zamani

@_innovcenter @_itcafe_

...پولMoney...

Note Cost of Production

$5 10.9 cents per note

$10 10.3 cents per note

$20 and $50 10.5 cents per note

$100 12.3 cents per note

تاریخچه پول و بانکداری و اصول

آنحاکم بر

Brief History of Money & Banking

تاریخچه پول

پول کاالیی

پول فلزی

پول تحریری

دیجیتال-پول تحریری

ایشبکه/پول دیجیتال

کارکردهای پول

ابزار معاملهابزار سنجشابزار ذخیره

ارزش

استانداردی برای های پرداختدارمدت

اصول حاکم بر پول(معامالت پولی بعنوان حالت خاصی از تهاتر)ماهیت کاالیی پول

پول بعنوان یک کاالی لوکس

قانون گرشام

PLATFORM EFFECTضریب نفوذ و پذیرش و •

تبدیل پذیری •

پشتوانه و منشاء ارزش پول

سرعت گردش پول•

(پول پرقدرت و ضریب فزاینده)تورم بعنوان یک پدیده پولی •

قانون عرضه و تقاضا

مفهوم واحد پولی

اقتصاد پول و بانکداری

گویددر خلق پول ، علم اقتصاد چه میانحصار •اری و افزایی پولی، تنگنای اعتبهم... اعتبار/پول•

رکودخلق پول/خلق اعتبار•چک و -قراردادهای مشارکتی-سهام)راهکارها •

(گذاریسرمایهصندوق-پولچکپولکشورهای جدید و خلق / وبسایت•

11

گذشتهمروری بر مباحث A Short Review

یتفاوت رشد نمایی و رشد خط

خطی و محلی: دنیای دیروز(Local & Linear)

نمایی و جهانی: دنیای امروز(Global & Exponential)

•Wi-Fi•GPS•Google•Skype•Smartphone•…

Moore’s Law–قانون مور

رشد نمایی

رشد مستقل از رویدادهای جانبی

تمامی فناوری های براساس انتظارات و واکنش بیرونی، مسیر ثابتی را طی می کنند

(Expectation)

؟تغییر خواهند کردITصنایع چگونه با حضور

3

1 2

45 6

6D’sDigitized Deceptive

Disruptive Dematerialize

Demonetize Democratize

کرتغییر نوع نگرش و تف

Changing Attitude

Slides

چه کسی مرا خواهد کشت؟Who Will Kill me?

One of The Most Traditional Industries…

Capital…

Bootstrapping Sweat EquityFriends &

FamilyCrowdFunding

Business Plan Competition

Grants AcceleratorsStrategic Investors

Individual Angels

Angel Groups Angel FundsSeed Funds

(Super Angels)

Online Accredited Syndicate

Online Angel Sundicate

Venture Capitals

JOBS Act

Ways we Fund now

Democratization of Capital

David S. Rose

Financial Markets

تقریباً رایگان و در دسترس همگان قرار خواهد گرفت2025تا Will be Available & Even Free till 2025

More Reading…

High Frequency Trading

LOANS..

Branches

شعب بتدریج نقش کالسیک خود را از دست خواهند داد

No Branches

More Than 1.5 Million Customers

...جو موبایلی

Data Scientists

UX Designers

Behavioral Psychology

Algorithmic Risk Analysis

Community Advocacy Builder

More Reading…

Cryptocurrencies

Financial Rorschach Test

Bitcoin & Cryptocurrencies are Like Internet

In early 90s

More Reading…

Payment

Revenue Of Payment Industry

(BCG)3$ Trillion in 2023!!

میلیون خارج از چین17میلیون مشتری در چین و 300

(eBayبیش از مجموع آمازون و )میلیارد دالر فروش ساالنه 300

IPO = 25 b$

همیلیون تراکنش روزان10.5

(On Singles Day)میلیون تراکنش در دقیقه2.85

تراکنش ها از طریق موبایل% 54

More Reading…

On the Rise

• Managementless Banking Organization

• Business Ecosystem Modeling

• Employee Apps

• Hybrid Investment Data Management Solutions

• Agile Bank Management

• Core Banking BPO

• Internal Hackathons

• Customer Co-development Products and Services Banking

• Open-Source Banking Systems

• Vendor App Stores for Banking

• Enterprise App Store for Banking

• Design Thinking in Banking

• Internal APIs

• Prescriptive Analytics

At the Peak

• Vendor-Supplied Market Data APIs

• Business Capability Modeling

• Community Cloud

• Enterprise Architecture Governance

• Cloud-Driven Business and IT Services

• Intelligent Bank Operations

• Logical Data Warehouse

• Financial Services Industry Architecture Frameworks

Sliding Into the Trough

• Big Data Management

• Enterprise Data Governance

• Predictive Analytics

• Open Development Banking Platforms

• BIAN Standards

• Component-Based Financial Services Solutions

• Private Cloud Computing

• SOA Backplane

• Innovation Management

• Complex-Event Processing Software Platforms

Climbing the Slope

• IT Infrastructure Utility

Hype Cycle for Bank Operations Innovation, 2014

Hype Cycle for Payment Innovations, 2014On the Rise

•Wearable-Originated Payments

• Sound-Wave-Based Payment System

•Money and Payment Clouds

•PIVAS — Tracking and Negotiation

•Acquiring Convergence Solutions and Dashboards

•Application PaaS for Payments

•Bank Payment Obligations

•Mobile Digital Payment Advisor

At the Peak

• Social Messaging App-Based Payment System

•Peer-to-Peer Foreign Exchange Marketplace

•Remote Commerce Emulation for Proximity Payments

•Trusted Service Manager for NFC-Enabled Mobile Payment Systems

Sliding Into the Trough

•PIVAS — Synchronization Process

•EMV Migration (U.S.)

•Payment Architectural Frameworks

•Payment Services Hub

•Digital Wallet Solutions

•Transaction Banking 2.0 (Payments)

•Mobile-Originated Proximity Payment Systems

•Alternative Card Networks

• Social Network Payment System

•Mobile Devices as Payment-Acquiring Terminals

•Online Bank-Enabled Payment (OBEP) Systems

•Mobile-Originated P2P Solutions (for Mature Payment Markets)

•Enterprise Mobile Financial Services Solutions

•Near-Real-Time Low-Value Payment Systems

Climbing the Slope

•PIVAS — Reward and Loyalty

•Biometric Payment Systems

•Multipayment Application Instruments

•Mobile Wireless Payment Systems (for Nonmature Payment Markets)

•Contactless Retail Payment System

• Internet Micropayment Solutions

Hype Cycle for Digital Banking, 2014On the Rise

•Wearable-Originated Payments

•Biometric Mobile Banking Authentication

•Geolocation Products and Services

•Banks as Customer Data Brokers

•Banking App Stores

•Gesture Control for Banking

•PIVAS — Tracking and Negotiation

•Mobile Digital Payment Advisor

At the Peak

•Peer-to-Peer Foreign Exchange Marketplace

•Global Consumer Tablet Banking

•Gamification in Banking

•Mobile Lending

Sliding Into the Trough

•Disruptive Financial Intermediaries

• In-Branch and ATM Video

•PIVAS — Synchronization Process

• Loyalty Point Marketplaces

•Payment Architectural Frameworks

• Social Media Compliance

•Digital Wallet Solutions

•Mobile Commercial Remote Deposit Capture

• Smartphone Banking

• Feature Phone Mobile Banking (Africa)

•Enterprise Mobile Financial Services Solutions

•Near-Real-Time Low-Value Payment Systems

• Instant Payment Card Issuance (Branch and Kiosks)

Climbing the Slope

•Budget and Goals PFM

•PIVAS — Reward and Loyalty

Entering the Plateau

•Basic Personal Financial Management

•Mobile Consumer Remote Deposit

Hype Cycle for Open Banking APIs, Apps and App Stores, 2014

The Hype Cycle

•The Four Main Categories of Open Banking

•Off the Hype Cycle

•New on the Hype Cycle

•Why This Hype Cycle Is Front-Loaded

•Fast Movers

•Who Can Benefit From This Hype Cycle?

•Multigeography, MulticontextAnalysis

•The Priority Matrix

On the Rise

•Commercial Banking APIs

•Community Source Banking Systems

•OpenID Connect

•Employee Apps

•Open Bank Project

•SDA for Application Services

•Banking App Stores

•Business Models for Open Banking

•Business Strategy for Open Banking

•Tablet Apps

• Internal Hackathons

•Vendor Readiness for Open Banking

•Open-Source Banking Systems

•Developer and Partner Ecosystems

•Retail Banking APIs

• Internal APIs

•API Marketplaces

At the Peak

•OAuth

•Commercial Banking Apps

•Application Services Governance

•External Hackathons

•Crowdsourcing for Open Banking

Climbing the Slope

•Nonbank APIs

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با تشکر@masoud_zamani