DOCSLIB.ORG

The Fifty Hottest Fintechs in Europe Game Changer

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
The Fifty Hottest Fintechs in Europe Game Changer The FinTech50 2015 The fifty hottest FinTechs in Europe Game changer. Agiliti™ from Fiserv is a comprehensive, pay-as-you-grow, banking software-as-a-service solution that helps you deliver differentiating experiences for your customers -- quickly and cost effectively. Let us take the worry out of your IT infrastructure, while you do the banking. agiliti-fiserv.com Agiliti from © 2015 Fiserv Inc. or its affiliates. © 2015 Time Inc., used under license. 3 The FinTech50 2015 Game Adyen (9) Insly (17) Algomi (27) InvoiceSharing (17) BehavioSec (15) Ixaris Systems (11) changer. Blockchain (9) Klarna (11) BUX (27) Kreditech (17) Byhiras (15) LendInvest (30) Agiliti™ from Fiserv is a comprehensive, pay-as-you-grow, banking software-as-a-service solution that helps Calastone (28) Mambu (24) you deliver differentiating experiences for your CommuterClub (28) mBank with efigence (25) customers -- quickly and cost effectively. Let us ( ) ( ) take the worry out of your IT infrastructure, Credit Benchmark 16 Merit Software 25 while you do the banking. CrowdCube (28) Nutmeg (31) (10) (18) agiliti-fiserv.com Currency Cloud OpenGamma Cybertill (10) Osper (25) Darwinex (29) Parmenion Capital Partners (31) DueDil (16) Squirrel (31) Earthport (10) Stockomendation (32) Ebury (29) Sybenetix (18) eToro (29) Symetrics (18) The Hot Ten ETRONIKA (23) SynerScope (19) Aire (23) (32) Fidor Group Tink cfinancials Five Degrees (24) TransferWise (12) ClauseMatch Agiliti from FundApps (16) Traxpay (12) Derivitec Essentia Analytics Funding Circle (30) Trunomi (19) Finexkap GoCardless (11) Trustly (12) Finlytics investUP (30) (13) Guidants WoraPay SavingGlobal © 2015 Fiserv Inc. or its affiliates. (24) (13) © 2015 Time Inc., used under license. Holvi ZooZ Sonovate 4 The FinTech50 2015 panel Pierre Suhrcke Director, Acorus Capital Santiago Tenorio Director Innovation & Roy Vella Payments, American Express Managing Director, V2 Ltd Nasir Zubairi Venture Partner, FinLeap Debu Purkayastha Entrepreneur in Residence, Octopus Gareth Lodge Dave Birch Senior Analyst, Celent Consult Hyperion Travers Clarke-Walker Managing Director EMEA, Alex MacPherson Fiserv Head of Ventures, Octopus Ian Morgan Richard Peers Christian Erlandson Chris Skinner Industry Director Financial Banking Industry Lead EMEA, European Leader, Chairman, The Financial Services, Google Microsoft Dun & Bradstreet Services Club 5 Alex McCracken Managing Director, Venture Services, Silicon Valley Bank James Cameron Associate, Accel Partners Nicky Cotter John Chaplin Co-Founder, ICON, Chairman, Ixaris The FinTech50 & FinTechCity Alex Batlin Group CTO Applied Innovation (R&D) & Market Research Director, UBS Conny Dorrestijn Shiraz Partners Jon Barrett Product Adviser, Fearghus Barkley Silicon Valley Bank James Le Brocq FinTech50 Research Adviser, Ensygnia Andrew Vorster Eddie Harding Menno Van Leeuwen Julie Lake Technology Foresight Head of FinTech, Team Lead Innovation Centre, Co-Founder, The FinTech50 Consultant ICON Corporate Finance ABN AMRO & FinTechCity Anyone can have an idea, it takes vision to make it happen Now, more than ever, the world needs entrepreneurs with skill, drive and imagination – people who are ready to turn their innovative ideas into successful businesses. Every year Barclays helps entrepreneurs of all kinds realise their ambitions and create a future that’s better for everyone. We are proud of the Barclays Accelerator, powered by Techstars, helping FinTech startups fast track their businesses. Visit barclaysaccelerator.com to find out more Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP. 7 The FinTech50 2015 Julie Lake and Nicky Cotter Founders, The FinTech50 Here’s a big financial forecast to begin with. According to Silicon Valley Bank research, FinTech will be one of three sectors predicted by the CBI to deliver, between them, a whopping £300bn to the UK economy by 2020. In anyone’s money, that’s a phenomenal trajectory by the sector since we launched the first FinTech50 in 2012. Back then we had just 150 FinTechs on our long-list. This year we considered just shy of 800. 2012 was the year of the ‘start-up’. In 2015, we not only saw even more potential game-changers than ever before, we are also witnessing the birth of the billion-dollar FinTechs. It is these characteristics that distinguish this year’s 50 from previous ones. In a nutshell, it’s a tale of new and ingenious technologies (of course), but also of maturity and scale – in a truly global sense. It is also very much about Europe – if, admittedly, our geographic scope owes more to Eurovision than to Google Earth. The UK dominates the list with 27 companies, but it’s now impossible to ignore the rise of FinTech cities across Europe who are emerging as powerhouses of innovation – and collaboration. FinTechs from The Netherlands, Germany and Sweden make up 30% of this year’s list. Cyprus, Finland, Ireland, Israel, Lithuania and Poland are also represented. We have grouped this year’s list into four mini sector parcels: Banking, Platforms, Payments and Big Data/ Risk. Platforms and payments predominate this year, but the 2015 50 also highlights hotspots such as analytics, insurance, microfinance, aggregation and virtual currencies. A lot of people helped us to deliver this year’s list: our partners and sponsors, our ever-collaborative global community of innovators, financial services, VC investors and global techs. And, of course, our always-insightful panel (see p4-5) who had the very tall order of reducing a long list of 800 inspirational FinTechs to the 50 who appear in this book. If you would like to get involved in our 2015 programme, we would love to hear from you. fintechcity.com “Payments are moving from the domain of the banks to next generation platforms that can combine acquiring, processing and payment gateway services under one roof, across all channels, globally. This need is driven by the global nature of the internet and eCommerce, the need of merchants for a smooth service with maximum conversion and the desire of consumers for simplicity of transacting.” Jan Hammer, Partner, Index Ventures Payments 9 Adyen KEY PEOPLE CEO & Founder: Pieter van der Does Co- Founder: Arnout Schuijff FOUNDED Blockchain 2006 KEY PEOPLE SECTORS CEO & Founder: Nicolas Cary Payments Co-Founders: Ben Reeves, HEADQUARTERS Peter Smith Amsterdam, The Netherlands FOUNDED ON TWITTER 2011 @Adyen SECTORS ON THE WEB Payments adyen.com HEADQUARTERS London, UK Adyen provides a single platform to accept payments anywhere in the ON TWITTER world through any sales channel. @blockchain The company enables businesses ON THE WEB to process payments across online, blockchain.com mobile, and POS (Point-of-Sale) with over 250 payment methods Blockchain is a Bitcoin platform in 187 transaction currencies. New and currently the provider of the payment methods this year include world’s most popular Bitcoin wallet, SEPA direct debit, POLi, Interac, the most widely used Bitcoin APIs DragonPay, and Apple Pay. Clients and the most popular block explorer include Airbnb, Spotify, Groupon, and search engine. It also has Vodafone, Mango, SoundCloud, what is widely recognized as the Indiegogo and KLM. strongest, most trusted brand in Bitcoin, with 2.5m users. 10 Earthport KEY PEOPLE CEO: Hank Uberoi Currency Cloud FOUNDED 1997 KEY PEOPLE SECTORS CEO: Mike Laven Payments Founder: Nigel Verdon HEADQUARTERS FOUNDED London, UK 2012 Cybertill ON TWITTER SECTORS KEY PEOPLE @Earthport Payments & FX CEO & Founder: Ian Tomlinson ON THE WEB HEADQUARTERS FOUNDED earthport.com London, UK 2001 ON TWITTER SECTORS Earthport provide white-label cross- @currency_cloud Retail Payments Software border payment services delivering ON THE WEB high volumes of low value payments currencycloud.com HEADQUARTERS efficiently, cost-effectively and Knowsley, UK transparently. In December 2014 Currency Cloud is a B2B platform ON TWITTER it announced a global partnership providing administration and @cybertillretail with Ripple to offer real-time control features to automate ON THE WEB international payments capability, the entire payments lifecycle of cybertill.co.uk (Ripple is the open-source payments businesses. The company delivers protocol for free and instant Cross-Border Payments-as-a- Cybertill has developed an exchange of any form of money or Service, providing access across award-winning fully hosted value). Earthport’s clients include a multitude of payment networks multi-channel cloud-based retail two of the top five banks globally and exchange rate providers. software product, offering retailers and four of the top 20 US banks It also provides comprehensive a fully integrated end-to-end including Bank of America Merrill administration and control eCommerce, EPOS and Enterprise Lynch, Western Union and HSBC. features and fully automates Supply Chain Management solution. the entire payments lifecycle In 2014 Cybertill teamed up with from compliance, pricing and MercuryPay to bring their cloud- beneficiary management, through based POS system to the US. The execution and receipt to settlement company’s software is currently and reporting. installed at over 4,000 locations with over 4,500 Points of Sale and 250 websites across the UK, Europe and the USA. 11 Ixaris Systems KEY PEOPLE CEO & Founder: Alex Mifsud Klarna Co-Founders: William Lorenz, Damon Hart KEY PEOPLE
Load more

Recommended publications
  • Investor Book (PDF)
    INVESTOR BOOK EDITION OCTOBER 2016 Table of Contents Program 3 Venture Capital 10 Growth 94 Buyout 116 Debt 119 10 -11 November 2016 Old Billingsgate PROGRAM Strategic Partners Premium Partners MAIN STAGE - Day 1 10 November 2016 SESSION TITLE COMPANY TIME SPEAKER POSITION COMPANY Breakfast 08:00 - 10:00 CP 9:00 - 9:15 Dr. Klaus Hommels Founder & CEO Lakestar CP 9:15 - 9:30 Fabrice Grinda Co-Founder FJ Labs 9:35 - 9:50 Dr. Klaus Hommels Founder & CEO Lakestar Fabrice Grinda Co-Founder FJ Labs Panel Marco Rodzynek Founder & CEO NOAH Advisors 9:50 - 10:00 Chris Öhlund Group CEO Verivox 10:00 - 10:10 Hervé Hatt CEO Meilleurtaux CP Lead 10:10 - 10:20 Martin Coriat CEO Confused.com Generation 10:20 - 10:30 Andy Hancock Managing Director MoneySavingExpert K 10:30 - 10:45 Carsten Kengeter CEO Deutsche Börse Group 10:45 - 10:55 Carsten Kengeter CEO Deutsche Börse Group FC Marco Rodzynek Founder & CEO NOAH Advisors CP 10:55 - 11:10 Nick Williams Head of EMEA Global Market Solutions Credit Suisse 11:10 - 11:20 Talent 3.0: Science meets Arts CP Karim Jalbout Head of the European Digital Practice Egon Zehnder K 11:20 - 11:50 Surprise Guest of Honour 11:50 - 12:10 Yaron Valler General Partner Target Global Mike Lobanov General Partner Target Global Alexander Frolov General Partner Target Global Panel Shmuel Chafets General Partner Target Global Marco Rodzynek Founder & CEO NOAH Advisors 12:10 - 12:20 Mirko Caspar Managing Director Mister Spex 12:20 - 12:30 Philip Rooke CEO Spreadshirt CP 12:30 - 12:40 Dr.
    [Show full text]
  • Understanding Self-Directed Investors Research Report
    March 2021 Understanding self- directed investors A summary report of research conducted for The Financial Conduct Authority britainthinks.com BritainThinks Understanding self-directed investors Contents Introduction ............................................................................................ 3 Key findings on the self-directed investor audience ............................... 4 Background & Methodology ................................................................... 6 The self-directed investment landscape ................................................. 9 Understanding self-directed investors ...................................................11 Identifying a new group of self-directed investors .................................15 Implications for the future ......................................................................20 Appendix ...............................................................................................22 BritainThinks | Private and Confidential 2 Understanding self-directed investors Introduction Many people engage with the consumer investment market every day, making sensible decisions to grow their wealth. However, there is evidence that some consumers are making or are led into making poor investment choices. In some instances, this may lead to consumers holding a lot of money in cash, missing out on potential investment returns. In others it may lead them to invest in high risk products, which may not reflect their risk tolerance or their ability to afford the losses. In particular,
    [Show full text]
  • Forex Free Money Real
    Forex free money real click here to download $5, PAMM BonusNon-Deposit Bonus for PAMM Accounts. $5, No Deposit PAMM Forex Bonus. PAMM System is a unique investment tool that allows all the professional money Managers and Investors to earn additional profit on the Forex market. Forex No Deposit Bonus. Register a Ramadan Live Trading Account now and get a % Ramadan Margin Bonus for deposits starting from $ Bonus Offer: $ Forex No Deposit Bonus for Free all new live Trading Account. Free $ No Deposit Startup Bonus to Start Risk Free Forex Trading on Open a forex real trading account, pass the personal data verification Get $ No Deposit Forex Bonus from InstaForex no need to risk your own money if you. eToro is a leading Forex trading platform with low spreds and incredible When you generate 50 lots in trades in your real money account, we will give you an. The FW Markets is offering $10 capital to start trading forex. This offer is intended to help you trade without losing your own money. It's time to switch to a real. Get new no deposit bonus from NewForex and start Forex trading with $50 FREE on a Real Account. No deposit bonus – the opportunity to start trading in Forex without any deposit and risk. Your way . Start making money right now. When you create the Binary Options Free Trading account, you will get access to an exclusive $ Free Forex Money No Deposit Bonus, Trade for a living now. Get your Free real money from following link, $ real money is absolutely free for trading and you can withdraw your profit.
    [Show full text]
  • Alpha ELT Listing
    Lienholder Name Lienholder Address City State Zip ELT ID 1ST ADVANTAGE FCU PO BX 2116 NEWPORT NEWS VA 23609 CFW 1ST COMMAND BK PO BX 901041 FORT WORTH TX 76101 FXQ 1ST FNCL BK USA 47 SHERMAN HILL RD WOODBURY CT 06798 GVY 1ST LIBERTY FCU PO BX 5002 GREAT FALLS MT 59403 ESY 1ST NORTHERN CA CU 1111 PINE ST MARTINEZ CA 94553 EUZ 1ST NORTHERN CR U 230 W MONROE ST STE 2850 CHICAGO IL 60606 GVK 1ST RESOURCE CU 47 W OXMOOR RD BIRMINGHAM AL 35209 DYW 1ST SECURITY BK WA PO BX 97000 LYNNWOOD WA 98046 FTK 1ST UNITED SVCS CU 5901 GIBRALTAR DR PLEASANTON CA 94588 W95 1ST VALLEY CU 401 W SECOND ST SN BERNRDNO CA 92401 K31 360 EQUIP FIN LLC 300 BEARDSLEY LN STE D201 AUSTIN TX 78746 DJH 360 FCU PO BX 273 WINDSOR LOCKS CT 06096 DBG 4FRONT CU PO BX 795 TRAVERSE CITY MI 49685 FBU 777 EQUIPMENT FIN LLC 600 BRICKELL AVE FL 19 MIAMI FL 33131 FYD A C AUTOPAY PO BX 40409 DENVER CO 80204 CWX A L FNCL CORP PO BX 11907 SANTA ANA CA 92711 J68 A L FNCL CORP PO BX 51466 ONTARIO CA 91761 J90 A L FNCL CORP PO BX 255128 SACRAMENTO CA 95865 J93 A L FNCL CORP PO BX 28248 FRESNO CA 93729 J95 A PLUS FCU PO BX 14867 AUSTIN TX 78761 AYV A PLUS LOANS 500 3RD ST W SACRAMENTO CA 95605 GCC A/M FNCL PO BX 1474 CLOVIS CA 93613 A94 AAA FCU PO BX 3788 SOUTH BEND IN 46619 CSM AAC CU 177 WILSON AVE NW GRAND RAPIDS MI 49534 GET AAFCU PO BX 619001 MD2100 DFW AIRPORT TX 75261 A90 ABLE INC 503 COLORADO ST AUSTIN TX 78701 CVD ABNB FCU 830 GREENBRIER CIR CHESAPEAKE VA 23320 CXE ABOUND FCU PO BX 900 RADCLIFF KY 40159 GKB ACADEMY BANK NA PO BX 26458 KANSAS CITY MO 64196 ATF ACCENTRA CU 400 4TH
    [Show full text]
  • How Can We Make Saving for the Future Feel Like a Good Investment Now? Minds Made for Building Financial Services
    How can we make saving for the future feel like a good investment now? Minds made for building financial services Pensions in 2030: building sustainable retirements Foreword We are entering the era of tough decisions for pensions and Building a better working world retirement savings. At EY Financial Services, we share a single For all their differences, our global pension systems face common focus — to build a better financial services problems: the taxes of the young cannot fund the retirement of industry, not just for now, but for the future. the old indefinitely and the young themselves are not engaged in saving enough for their own futures. We train and nurture our inclusive teams to Although they apply to different degrees in different countries, develop minds that can transform, shape and we see three major endemic issues: innovate financial services. It’s because we have minds made for building Outdated and unaffordable policy frameworks financial services that we ask better Policymakers find it ever harder to balance the needs of a growing questions. Better questions lead to better retired electorate against what the working population can afford answers that benefit our people, our clients to pay. Governments are reluctant to reduce existing promises and our communities. It’s how we play our and pension systems are strained by decades of changing policy. part in building a better working world. In consequence, individuals lack trust and understanding in the ey.com/FSminds system, and often aren’t engaged in saving for retirement. Stagnant and inefficient infrastructure In an era of low-cost, innovative, globally coordinated supply chains, the pensions industry lags in realising economies of scale and becoming truly digital.
    [Show full text]
  • Zie Ook Het Onderzoek Naar Online Brokers Van Cashcow
    ONLINE BELEGGEN Klanten kunnen beleggen in: ABN Amro Binck Bank BUX DEGIRO For Tomorrow ING Indexus IG Nederland Knab Aandelen ✔ ✔ ✔ ✔ ✘ ✔ ✘ ✔ ✔ Obligaties ✔ ✔ ✘ ✔ ✘ ✔ ✘ ✘ ✔ Beleggingsfondsen ✔ 2901 waaronder 648 ETF's ✔ aantal: 3300 ✘ ✔ aantal: 637 ✔ 3 actief beheerd en 2 passief ✔ - aantal: 402 ✘ ✘ ✔ 145 beleggingsfondsen ETP’s als ETF’s (graag aantal vermelden) ✔ aantal: 648 ✔ aantal: 1367 ✘ ✔ aantal: 5468 ✘ ✔ - aantal: 235 ✔ aantal: 10 ✔ aantal: 5000 ✘ Koersversnellers ✔ ✔ ✘ ✔ ✘ ING Sprinters en BNP Turbo's ✘ ✔ ✘ Opties ✔ ✔ ✘ ✔ ✘ ✔ ✘ ✔ ✘ Futures ✔ niet online ✔ ✔ ✔ ✘ ✘ ✘ ✘ ✘ ✔ wereldwijd via de verschillende ✔ In hoeveel markten bent u actief? 22 landen 37 beurzen #Waarde! aantal: 41 fondsen(profielportefeuilles) Aantal: heel de wereld Wereld aantal: meer dan 12.000 Afhankelijk van beleggingsexpert Zijn er mogelijkheden op ✔ ✔ ✔ ✔ ✘ ✔ ✘ ✔ ✘ effectenkrediet? Over de rekening ✘ 50 euro minimale storting. Vanaf Geen minimale aanvangs- € 50,- per maand en/of Vermogensbeheer vanaf 25.000 euro, Minimale aanvangskapitaal Minimaal 1 euro bij zelf beleggen 10 euro handelen in aandelen kapitaal € 2.500,- éénmalig 0 1000 euro 100 euro Gemaksbeleggen vanaf 100 euro Mogelijkheid beleggen via Online via Mijn Dealingroom of via ✔ ✔ Webapp via m.degiro.nl en app ✔ Via mobiel bankieren app. Vermogensbeheer Applicaties voor smartphone ✘ De beleggingen zijn app of mobiel platform Mobiel Bankieren App allebei Uitsluitend via de app in de apple store Website is mobiel te bereiken. (geen zelf beleggen) en Table wel te volgen via de App Realtime koersen (gratis) ✔ ✔ ✔ ✔ ✘ ✔ ✘ ✔ ✘ Realtime koersen (gratis indien) ✔ ✘ ✘ gratis bij regulier account ✘ ✔ ✘ ✔ Wanneer cliënt actief is ✘ ✘ ✘ ✘ ✘ ✘ Alleen voor aandelen buiten Europa, ✘ Realtime koersen (kosten per maand) 5 euro bij custody account 0 kosten verschillen per beurs. Koersen vertraagd ✘ Gratis ✘ Gratis Gratis/Niet gratis ✔ Gratis ✘ alles is realtime Gratis, 15 minuten Gratis bij Binck Basic.
    [Show full text]
  • List of British Entities That Are No Longer Authorised to Provide Services in Spain As from 1 January 2021
    LIST OF BRITISH ENTITIES THAT ARE NO LONGER AUTHORISED TO PROVIDE SERVICES IN SPAIN AS FROM 1 JANUARY 2021 Below is the list of entities and collective investment schemes that are no longer authorised to provide services in Spain as from 1 January 20211 grouped into five categories: Collective Investment Schemes domiciled in the United Kingdom and marketed in Spain Collective Investment Schemes domiciled in the European Union, managed by UK management companies, and marketed in Spain Entities operating from the United Kingdom under the freedom to provide services regime UK entities operating through a branch in Spain UK entities operating through an agent in Spain ---------------------- The list of entities shown below is for information purposes only and includes a non- exhaustive list of entities that are no longer authorised to provide services in accordance with this document. To ascertain whether or not an entity is authorised, consult the "Registration files” section of the CNMV website. 1 Article 13(3) of Spanish Royal Decree-Law 38/2020: "The authorisation or registration initially granted by the competent UK authority to the entities referred to in subparagraph 1 will remain valid on a provisional basis, until 30 June 2021, in order to carry on the necessary activities for an orderly termination or transfer of the contracts, concluded prior to 1 January 2021, to entities duly authorised to provide financial services in Spain, under the contractual terms and conditions envisaged”. List of entities and collective investment
    [Show full text]
  • Wealth and Asset Management 2021: Preparing for Transformative Change
    Wealth and Asset Management 2021: Preparing for Transformative Change White Paper A white paper produced in conjunction with: Bank of Montreal, Broadridge, CFA Institute, Cisco, eToro, Schroders, SEI, and State Street Table of Contents Preface.......................................................................................................2 1. The Big Shift...........................................................................................5 2. The Rapidly Evolving Investor..............................................................13 3. Rethinking Product and Market Approaches......................................19 4. The Future Wealth Advisor.................................................................28 5. The Road Ahead: Driving Digital Transformation................................38 Preface Everywhere you look, the signs of change are there. The demographics of wealth are shifting dramatically around the world—from the growing dominance of women investors in North America to the rising middle class in emerging markets. As part of this shift, the wealth industry will see trillions of dollars of wealth transfer from baby boomers to a new generation of digital natives with very different investment behaviors. At the same time, technology is linking billions of people and devices through real-time connections, reinventing how investors communicate, interact, and make decisions. Artificial intelligence, virtual reality, blockchain, and real-time analytics are just some of the smart technologies investment providers are
    [Show full text]
  • Swiss Banking Business Models of the Future Download the Report
    Swiss Banking Business Models of the future Embarking to New Horizons Deloitte Point of View Audit. Tax. Consulting. Financial Advisory. Contents Management summary 2 Overview of the report 5 Chapter 1 – Key trends impacting banking 6 Chapter 2 – Disruptive innovations reshaping banking 17 Chapter 3 – Likely scenarios for banking tomorrow 26 Chapter 4 – Future business model choices 31 Chapter 5 – Actions to be taken 39 Contact details 43 The banking market in Switzerland is undergoing significant change and all current business models are under scrutiny. Among several universal trends and Switzerland-specific market factors affecting banks and their customers, ‘digitisation’ is the most significant. In addition upcoming new regulations will drive more changes to business models than any regulations in Switzerland have ever done before. Deloitte has produced this report, based on extensive research and fact-finding, to assess how major trends and disruptive innovations will re-shape the business of banking in the future. The report addresses the following questions: • What are the key trends affecting banks and their customers? • What are the main innovations that are being driven by these key trends? • Which scenarios can be predicted for the banking industry of tomorrow? • What will be the most common business models for banks in the future? • How should banks make their strategic choice? This report will not give you definite answers, but it should indicate how to start addressing the question: “Where do we want to position ourselves in the banking market of the future?” Yours sincerely, Dr. Daniel Kobler, Partner Jürg Frick, Senior Partner Adam Stanford, Partner Lead Author, Banking Innovation Leader Banking Industry Leader Consulting Leader Financial Services Swiss Banking Business Models of the future Embarking to New Horizons 1 Management summary (1/3) Digitisation as a main Banks need to adapt their business models to key trends and disruptive innovations that are driver of change already having an impact on society and the economy.
    [Show full text]
  • WORLD FINTECH REPORT 2018 Contents 4 Preface
    in collaboration with WORLD FINTECH REPORT 2018 Contents 4 Preface 8 Executive Summary FinTechs Are Redefining the Financial Services Customer Journey 13 Competition and Rising Expectations Spur 14 Customer-Centricity Push – Identify gaps left by traditional Financial Services providers and explore changing customer expectations. Emerging Technologies Enable Customer 19 Journey Transformation – Data and insights are reshaping personalized experiences through automation and distributed ledger technology. Alignment with Customer Goals, Creation of 27 Trust, and Delivery of Digital, Agile, and Efficient Processes Are Catalysts for Success – Firms are driving innovation and operational excellence through agile and digital teams. World FinTech Report 2018 The Symbiotic Relationship between FinTechs and Traditional Financial Institutions 35 FinTech and Incumbent Firms’ Respective 36 Competitive Advantages and Shortcomings Make Collaboration a Logical Fit – A partnership ecosystem of FinTechs, incumbents, and other vendors fosters a win-win for stakeholders. Finding the Right Partners for Collaboration 44 Is Essential – Maintaining and accelerating scale is a common FinTech firm struggle, so the right collaboration partner is critical. Successful Collaboration Requires Commitment 49 and Agility from FinTechs and Incumbents – Selection of the appropriate engagement model boosts FinTech scale-up efforts. The Path Forward: An Impending Role for BigTechs? 60 – BigTechs could have massive impact on the Financial Services industry. Preface Once rather homogenous and somewhat staid, the financial services marketplace has transformed into a dynamic milieu of bar-raising specialists. These new-age professionals are devoted to meeting and exceeding the expectations of consumers who have become accustomed to personalized services from industries such as retail, travel, and electronics. Financial services customers no longer rely on one or two firms.
    [Show full text]
  • Il Modello Predittivo Degli Eventi Futuri Del CRNE - Centro Ricerche Nuove Energie
    Il Modello Predittivo degli Eventi Futuri del CRNE - Centro Ricerche Nuove Energie: Analisi GeoPolitiche, Tecnologiche & Smart City Solution - Advice Service CRNE Science & Business Vision Il CRNE Centro Ricerche Nuove Energie nasce nel 1998, e nel 2015 la “Divisione Ricerca e Sviluppo” ha sviluppato “un modello predittivo degli eventi futuri basato sul censimento delle minacce ponderate”. Si tratta di “un servizio di consulenza sulle aspettative future” unico nel suo genere sul panorama nazionale e internazionale, in cui viene esposto in maniera chiara una visuale precisa degli eventi futuri, che noi riteniamo altamente probabili, sia sul breve, che nel medio, che nel lungo periodo. Il Modello Predittivo degli eventi futuri del CRNE è uno strumento prezioso per quanti vogliono avere una visione moderna e all’avanguardia dell’evoluzione degli eventi, per proteggersi nell’immediato futuro dalle minacce ponderate che abbiamo censito, che sono esposte in forma cronologica nel modello predittivo. Sta alla sensibilità del lettore tenere in considerazione per il proprio futuro quanto riportato in questa relazione. CRNE Science & Business Vision is an Advice Service to Avoid Future’s Systemic Crisis These Are Our Areas of Expertise: Geopolitical Analysis and Solutions - Investment in Work & Residential CRNE Concept Outside Italy, called “Smart City Project”, named “Backup Italy” Advice Service for Human Resources & Capital Money Protection - Scientific and Technological Research - Development Service for Start Up, Patent and Prototype for CRNE’s Smart City - International Financial Analysis & Development Performance’s Strategy for Stock Market CRNE leads the way to the future to the best Italians, Serenity is our goal, Choose to live under CRNE wings&vision.
    [Show full text]
  • Executive Branch Personnel Public Financial Disclosure Report (OGE Form 278E)
    New Entrant Report | U.S. Office of Government Ethics; 5 C.F.R. part 2634 | Form Approved: OMB No. (3209-0001) (January 2018) Executive Branch Personnel Public Financial Disclosure Report (OGE Form 278e) Filer's Information Shine, William Assistant to the President and Deputy COS for Comminication, White House Date of Appointment: 07/05/2018 Other Federal Government Positions Held During the Preceding 12 Months: None Electronic Signature - I certify that the statements I have made in this form are true, complete and correct to the best of my knowledge. /s/ Shine, William [electronically signed on 10/09/2018 by Shine, William in Integrity.gov] - Filer received a 68 day filing extension. Agency Ethics Official's Opinion - On the basis of information contained in this report, I conclude that the filer is in compliance with applicable laws and regulations (subject to any comments below). Other review conducted by Deadline U.S. Office of Government Ethics Certification Shine, William - Page 1 1. Filer's Positions Held Outside United States Government # ORGANIZATION NAME CITY, STATE ORGANIZATION POSITION HELD FROM TO TYPE 1 21st Century Fox NY, New York Cable News Co-President 9/1996 5/2017 2. Filer's Employment Assets & Income and Retirement Accounts # DESCRIPTION EIF VALUE INCOME TYPE INCOME AMOUNT 1 Fidelity IRA No 1.1 AQR Managed Futures Strategy (AQMNX) Yes $1,001 - $15,000 None (or less than $201) 1.2 Eaton Vance Glbl Macro Abs Ret Advtg I Yes $1,001 - $15,000 None (or less (EGRIX) than $201) 1.3 Strategic Advisers Short Duration (FAUDX)
    [Show full text]