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

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FINTECH-BANK

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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

It’s 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.SREDA’s 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-BANK

Fintech-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

Neobanks

On

line-a

cqu

irin

g

e-w

alle

ts

P2P

-len

din

g

On

line-l

en

din

g

On

line-l

en

din

g f

or

stu

den

ts

P2B

-len

din

g

SM

E-l

en

din

g&

fact

ori

ng

Cro

wn

dfu

nd

ing

&cr

ow

nd

inve

stin

g

On

line-t

rad

ing

On

line-r

em

itta

nce

s

PFM

&P

FP

Acc

ou

nti

ng

Insu

rtech

PO

S-m

anag

men

t sy

stem

&

tab

let

bas

ed

cas

h-r

eg

iste

rs

mP

OS-a

cqu

irin

g

Where it will happen?

Life.SREDA VC

Blk 79, Ayer Rajah Crescent #05-08

Singapore 139955

e- mail: [email protected]

www.lifesreda.com

To know more about fintech:

www.fintechranking.com

Melbourne

Hong Kong

Seoul

Tokyo

London

New York

Berlin

San Francisco

Singapore