live oak bank digital - nc tech tech... · 2019-12-21 · live oak bank digital ease of use award...
TRANSCRIPT
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Live Oak Bank Digital
EASE OF USEAWARD
YTD New Online
Savings/CDs
Originations1
YTD NEW ACCOUNTS1
by Live Oak Bank
1. Deposit Account Growth as of September 30, 2018, compared to active accounts at December 31, 2017
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The Technology Landscape is Changing
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Fintech investmentsBank
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Branch Re-engineering Omni Everything Advanced Card Control
Call Center & Back Office Loan Origination
Cyber Safety & SoundnessAPI Payments Platform
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How Key Partnerships Can Disrupt the Status Quo
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20 Years As a
Full-service Digital
Banking Provider
500 + Clients
Solution Built
On Modern
Tech Stack
OPEN | API-FIRST | CLOUD-NATIVE | CHANNEL AGNOSTIC
Ecosystem
Of Partners
Reinventing Bank
Technology
Market-leading
Digital-only Bank
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COMPETITION from ALL SIDES
Asset growth of Big 5 banks over the past five years
Total capital investment in Fintech’s over the past five years
$1.2 TRILLION
$158 BILLION
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= Frustrating Go-to-Market
Rules/Logic
Workflows
Integrations
Functionality
Interfaces
Data sets
The CURRENT PROBLEM
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= Everything as APIs
Rules/Logic
Workflows
Integrations
Functionality
Interfaces
Data sets
A NEW APPROACH
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COMPETE at FINTECH SPEED
CHANNELS
SERVICES
PRODUCTS
PARTNERSHIPS
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Live Oak Bank | Model BankEnabling: Banking as a Service
• Low Cost of Funds
• Low Deposit Beta
• Core Deposits
• Scale
Live Oak
Model Bank
API LAYER
Partners
Practice
Mgmt
Personal
Finance
Robo
Advisors
e-Comm
Direct
SMEs
Consumers
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©2019 Apiture. All rights reserved. ©2019 Live Oak Banking Company. All rights reserved. Member FDIC.