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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 make
partnerships
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-service
based 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
Middleware
based on open
APIs
Front-end
based on neobank
for SMEs
1
2
Neobanks
Online-acquiring
e-wallets
P2P-lending
Online-lending
Online-lendingforstudents
P2B-lending
SME-lending&factoring
Crowndfunding&crowndinvesting
Online-trading
Online-remittances
PFM&PFP
Accounting
Insurtech
POS-managmentsystem&
tabletbasedcash-registers
mPOS-acquiring
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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From “toothbrushes” to ecosystem: we will see fintech-bank soon

  • 2. 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.
  • 3. 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?
  • 4. 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 make partnerships Online-trading Online-remittances Online-bank mPOS mPOS e-wallets Online-lending Online bank Online-lendingOnline bank Mobile bank Online-remittances
  • 5. 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
  • 6. 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.
  • 7. 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.
  • 8. Others need platform to expand. fintech-startups have successfully managed to expand globally. Only 25 scaling to other marketsBaaS
  • 9. 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:
  • 10. 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.
  • 11. 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
  • 12. NEXT STEP FINTECH-BANK Fintech-bank as a unique bundle of independent fintech-startups ecosystem unique user experience
  • 13. 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-service based on open APIs for Retail for SMEs Telecom Retail Internet giants BACK-END
  • 14. Product-line of FINTECH-BANK Front-end based on neobank for retail Middleware based on open APIs Front-end based on neobank for SMEs 1 2 Neobanks Online-acquiring e-wallets P2P-lending Online-lending Online-lendingforstudents P2B-lending SME-lending&factoring Crowndfunding&crowndinvesting Online-trading Online-remittances PFM&PFP Accounting Insurtech POS-managmentsystem& tabletbasedcash-registers mPOS-acquiring
  • 15. 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