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„Rhein-Main-Neckar Ist Deutschlands Dynamischste Fintech-Region“

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„Rhein-Main-Neckar Ist Deutschlands Dynamischste Fintech-Region“ „Rhein-Main-Neckar ist Deutschlands dynamischste FinTech-Region“ Inhalt 11. Vorbemerkungen 22. Überblick und Analyse zur Entwicklung der deutschen FinTechs 3 Anmerkungen 2 2 Financial System in Perspective (American households, 2013, %) Unbanked AFS* (used in the last 12 months) All households By familiy 0 8 10 20 25 30 40 income $‘000 <15 15-30 30-50 50-75 75+ *Alternative Financial Services include cheque cashing outlets, money transmitters, car-title lenders, prawnshops and return-to-own stores 3 Source: The Economist 09/2015, FDIC Mindset: banks and fintechs have different starting points Expectations of customers and public Quality Discretion Comprehensive range of service Regulation Structures Processes IT structures Corporate Culture Approach to market Risk aversion Entrepreneurship Silo-based management Bureaucracy 4 Source: Bankenverband – Fintechs – Developments and Outlook, Sept. 2015 FinTech Business Models Degree of disruptiveness 1 2 3 Supporters Aggregators Disruptors 4 Innovators Players which Players who use Players which the Players which support existing existing services or full value chain of a invent services or market participants information for service or parts products outside the or products through aggregation thereof and, in existing value their own services purposes to create, doing, who have a chains and to create, e.g., e.g., market “disruptive” impact generate higher quality or transparency or to on the existing innovation. efficiency. route business to market. core providers. E.g. Blockchain, Typical solutions Such services are Cryptocurrencies include financial Typical change in typically product software and the front-end of innovations. Depth of value chain disruption chain value of Depth processing services. solutions. 5 5 Snapshot of Germany´s FinTech segments # FinTech foundations per year Expected trend 10 10 9 FinTechs within this segment enable the exchange of 8 products, services by provision of an agreed value. This Payments includes Payments infrastructure, Virtual Currencies, Online 5 4 and Mobile Payments and E-Money/-Wallets. 2 2 0 2010 2011 2012 2013 2014 2015 15 The Banking & Lending segments includes FinTechs offering 11 11 10 core bank services like lending services & products, short 8 8 8 Banking & term financing and factoring, alternative financing in terms 5 Lending of crowdfinancing for both B2B and B2C as well as P2P, 5 account management (opening, maintaining, switching accounts). 0 2010 2011 2012 2013 2014 2015 Business models of the financial data & analytics market provide significant opportunities for companies to use data Financial Data analysis to e.g. improve the consumer experience, 2 2 Analytics monitoring of business activities or manage credit risk and 1 1 1 as well as data enrichment services to combine various sets 0 of data from several sources. 2010 2011 2012 2013 2014 2015 8 InvestTech covers the scope of trading with traditional 7 trading activities, portfolio management including 6 5 4 investment analytics for decision-making for both 4 3 3 InvestTech businesses and private traders. The segment also comprises 2 business models addressing Trading operations & 1 6 investment accounts on the B2B side. 0 Source: EY analysis 2016 2010 2011 2012 2013 2014 2015 German FinTech landscape: opportunity for Rhein-Main- Neckar Snapshot of Germany´s FinTech segments (cont’d) # FinTech foundations per year Expected trend FinTechs within this segment provide a new or Enabling altered financial infrastructure to enable products and processes. In addition, FinTechs offer 4 4 Processes & 4 3 3 solutions to optimize process management or 2 2 Technology financial software supporting processes and 2 functions. 0 2010 2011 2012 2013 2014 2015 15 While eMarketplaces offer the possibility to 12 directly purchase a financial service or product, 10 9 eMarketplaces, Aggregators & Intermediaries levy a fee for a 8 6 service rather than providing the service 5 Aggregators & 5 Intermediaries themselves. Platform markets are online 2 marketplaces that generally provide third-party 0 products (B2B / B2C). 2010 2011 2012 2013 2014 2015 In this business segment are FinTechs offering solutions to financial services organizations to help to comply with regulatory requirements and 4 4 RegTech manage risks. RegTechs also cover the scope of 4 3 user authentication e.g. fingerprint or voice 2 1 1 recognition technology and software as well as 0 security applications. 2010 2011 2012 2013 2014 2015 InsurTechs impact the incumbent insurance business through innovations in (digital) products InsurTech and operations. Examples are data-driven and usage-based insurance or digital claims 1 1 1 processing software. 0 7 Source: EY analysis 2016 2010 2011 2012 2013 2014 2015 German FinTech landscape: opportunity for Rhein-Main- Neckar Most investments still take place in traditional banks Comparison of Investment by fintechs and banks Global investment by fintechs1 in selected business activities Estimated total Total IT budget of top investment in 3 retail banks in Germany (based on Germany German share of global GDP) ca. 1.000 391 308 81 1.755 975 ca. 160 TOTAL Payment Lending Investment Retail banks‘ transactions Operations Asset Personal Finance by fintechs IT budget2 Management Management 2Minus costs associated with regulation 2012, in USD million; sources: CORETransform, World Bank, KPMG/Association of German Banks / Association of German Public Banks 1Includes only publicly accessible data about the analysed firms 8 Source: Bankenverband – Fintechs – Developments and Outlook, Sept. 2015 Overview international FinTech hubs Innovative FinTech hub of The Baltics have a lively Europe´s number 1 the Nordics with strong FinTech scene. Skype, hub with strong FinTech niche capabilities Napster and BitTorrent growth through an such as gambling have roots to the Baltics Number 1 global financial excellent environ- center with the highest ment as one of the number of employees two major global (followed by London) working financial centers Stockholm in the FinTech industry Baltics London Berlin Frankfurt Luxembourg Key gateway to the Chinese mainland Zürich which represents significant Silicon Valley opportunities for financial services New York Tel Aviv Highly active and innovative Hong Kong Number 1 location for start-ups globally, technology location Largest hub in Asia with strong with a highly-developed landscape of with almost 300 government support in promoting FinTechs across all segments and venture capital firms; Singapore an innovative FinTech eco-system levels of maturity with excellent access strong penetration in through direct investment, tax to capital seed-stage funding incentives and measures to attract entrepreneurs 9 9 A comparative snapshot of the major global FinTech regions United Kingdom Characteristics Characteristics Germany New York ► Significant investment in Credit and ► Proximity to global financial hub offering talent “Large but complex” “Proximity to expertise & Lending (c. €402m); growing focus on and expertise. B2B. customers” “All rounder” ► Progressive government and regulatory regime. ► Complex start-up environment; efforts Market FinTech ► Effective network of hubs. underway to integrate Berlin, Frankfurt Market size size Investment staff and Munich. €7.5b Market € 2.4b €524m c.13,000 FinTech Investment size Investment € 8.9b staff €1.9b €707m c.61,000 Hong Kong FinTech staff c.57,000 “Potential” Characteristics Market size FinTech €0.9b staff ► Proximity to established LTM Investment c.8,000 financial markets. €62m ► Network of first generation Characteristics entrepreneurs. ► Relatively nascent, emerging market. ► Strong presence of incubators, accelerators. ► Emerging community of FinTechs focused on California Capital Markets. “Increasingly progressive regulatory regime” Singapore “Increasingly progressive regulatory regime” Australia Market size FinTech Investment “Up and Comer” €6.3b €4.8b staff c.74,000 FinTech Market size Investment FinTech staff Market size Investment staff Characteristics €0.8b €267 m c.10,000 €0.9b €50m c.7,000 ► Expertise from a relatively mature FinTech Characteristics community. Characteristics ► Emerging FinTech ecosystem with high levels of collaboration and ► Established interconnections within FinTech ► Gateway into Asian market. government interest. ecosystem. ► Ease of doing business, and English ► Recent €0.9b commitment to innovation agenda. ► Concentration of large venture capital funds. 10 language proficiency. ► Dedicated team in the Monetary Authority focused on public and private partnerships. Germany is ranked as follower with strong future potential in the group of the top 8 global regions ► UK leads the ranking of the top global FinTech regions with good scores in all Ecosystem attributes ► There is a significant gap between the three leading Anglo-Saxon FinTech regions and the remainder of the group ► Germany is scored at 5th rank in par with Australia, which correlates with the maturity of the German FinTech Ecosystem 2015 Rank by Ecosystem Attribute Talent Talent Capital Policy Demand ► California is leading as Total Region provider of top talent, - Regulatory - Consumers Points - Seed regimes - Talent availability - Corporates especially for tech skills. - Growth - Government - Talent pipeline - Financial - Listed programs institutions Capital - Taxation policy ► With Silicon Valley, California UK 2 3 1 3 9 has long been an attractive California 1 1 6 2 10 spot for investors seeking innovative new start-ups.
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