Matthias Kröner – CEO Fidor AGFidor Fidor Digital banking for a connected world

Fidor created a strategic digital infrastructure for modern day banking: fOS

- fOS = Easy to integrate and life-changing- fOS = open via APIs to integrate any kind of (compliant) service- fOS = allows accounts to be a marketplace- fOS = allows customer integration via community module- fOS = data analytics- and high speed-banking- fOS = low cost-banking- fOS = USP-Banking

- fOS allows YOU to create better banking!

Fidor stands for rulebreaking & tech enabled ongoing Innovation

- Creating a global network of mind-like banking entrepreneurs

- Fidor is active in Europe, Mid East, Asia, Australia, Americas…

- Fidor has offices in Munich, New York, Dubai, London – Singapore next?

- Global distribution of strategic infrastructure

- Connecting Fidor network

- Fidor´s partner can grow global with us.

Fidor stands for global Traction

Fidor offers strategic digital solutions.

Digital Banking

AcceleratorNo Stack Banking

Fidor Finance Bay

API Banking

Fidor means Value

CUSTOMER CENTRICINTEGRATIVE OPEN EFFICIENT

Fidor Digital Banking means better KPIs-BankingBest in class

digital banking concept

(high scaleability at low cost and high

speed)

Best in class: Opening up a new market like UK for

less than GBP 1,5m

Using best in class technological and

multi times awarded infrastructure fOS

Industry Benchmark: Ttl cost of

IT/Customer: 50 EUR

Industry Benchmark: Net interest income

margin (above 6%)

Best in class :cost of deposit

acquisition(0,5 cent per 1 EUR

deposits)

Best in class:cost of customer

acquisition(retail 15 EUR/cust.)

Industry Benchmark:High customer satisfaction and positive overall reputation. NPS

above 45

Set up of full banking service for a non

bank in Germany in 5 month

digital banking = low cost banking = enables financial inclusion

Digital banking = realtime banking = mobile/contextual banking = Enables relevant banking

Fidor means social impact

Fidor stands for Integration

We want you to create the best financial services solutions! For the customers and your benefit.

Ways of communication:

- Developer community (API Banking and Fidor Finance Bay partners)- Innovators club (global DBA and NSB customers)

Our Mission & Awards

Together with you: Creating a global industry standard for modern day banking

ContactFidor – Sandstrasse 33, 80335 München – Germany I mail to connect@fidor.com

Current clients & office locationsMunichNew YorkDubaiLondon(next: Singapore)