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Change & Transformation Specialists for the Financial Services Industry

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Change & Transformation Specialists for the Financial Services Industry aps ASSURANCE PROGRAMME SOLUTIONS CHANGE & TRANSFORMATION SPECIALISTS FOR THE FINANCIAL SERVICES INDUSTRY Digital Transformation & Innovation March 2019 APS: Disruption has happened across the board with no signs of stopping Digital spend continues to Startups and FinTechs Everyone (end increase continue to proliferate everything) is constantly connected • c. $2trillion will be spent on • There are now more than 8,000 • 80% of us check the phone Digital Transformation in 2019 - Fintech companies globally – within 15 mins of waking and more than half of this will be on 4000 of these in the UK and US 90% keep it within 3ft of us - day Workplace initiatives and Op (INSEAD) and night (IDC) Model transformation (IDC) • In the UK $1.8bn (£1.3bn) of • Approximately 40m messages/ • Within investment management cash went into Fintechs in 2017, minute sent on What’s App 68% are planning to invest more a rise of more than 150 per cent (WhatsApp) into their websites with 49% on 2016 and a bigger increase • 6.4 billion connected things in planning to spend the same as than either the US or China. 2016, up 30 percent from 2015 on security issues (Kurtosys) with an estimated 20.8 billion by 2020 (Gartner) 2 APS: 4 key trends are driving Organisations to innovate Changing Customer Expectations Today’s customers have completely different expectations set by ‘Silicon Valley’ companies -- they want Flexible Technology and Data access wherever they are, Increased and improved whenever they want and on connectivity of data whatever device (or channel); facilitates real time analytics combined with simplicity, based on accurate data, transparency, engaging and while Cloud and SaaS relevant content; and a greater solutions can enable Asset say over how their money is Managers to build flexible managed. and scalable infrastructure all of which form the basis of Cost and Margin Pressures £ Digital, Machine Learning and AI offerings. Costs and challenges associated Digital with scaling legacy systems is driving many firms to review their operating models. Regulatory Emerging Competitors – and partners changes including RDR, FATCA, New entrants are defining the new MiFID II and GDPR have put even standards for client experience and more pressure on firms to capture, challenging the status quo with innovative retain and retrieve data driving up business models while large incumbents the costs of compliance while are launching their propositions forcing downward pressure on fees others to follow or risk being left behind. continues from both regulators, low As fintechs adapt their business models cost ETFs and disruptors yesterday’s competitor becomes today’s potential partner 3 APS: AI and Machine Learning has been dubbed as the “fourth industrial revolution”… Simple: back office robotic automation, Complex: advanced recommendation engines analytics and self- and voice recognition teaching AI 01010101011010110100`0 0101010101010101010 0101010101101011010 0101010101010101010 4 APS: …Opportunities exist for Organisations to harvest the potential Perform simple tasks in an automated way, without need for human input Make decisions in a reasoned, impartial way – Analyse more information, Improve removing emotional more quickly than a efficiency response human could process Free up time to spend speaking to clients, Enhance improving the quality of Use predictive analytics to service identify and avoid Lower risk client potentially costly risks experience Anticipate and proactively respond to client needs Remove human error in investment and Interact with existing and operational processes potential clients in a more targeted way 5 APS: Power has shifted to those who own the customer experience Sources of Dominance Age of Age of Age of Age of the Manufacturing Distribution Information Customer 1900 - 1960s 1960 - 1990s 1990 - 2010s 2010 - 2020s Dominant Companies 6 APS: FinTechs are disrupting the the market – primarily around CX and Price Sign Up Speed of Minimum Fee Execution Investment Transparency 4-5 minutes 5 clicks $0 0 clicks The time it takes The number of The minimum The number of to open a clicks to send investment to clicks to view the Betterment or money through open an advisory fees Wealthfront Venmo --versus account at charged by most account 15 clicks through Betterment Robo Advisors Bank of America 7 APS: As FinTechs proliferate and disrupt the market… they can also be potential partners DEs ig n ED BY POWERED BY PIERRE DREUX Fintech Landscape • 82% of incumbent Financial Banking & Payment (356) Investments (108) Financing (196) Insurance (82) Services organisations expect to Banking (54) P2P Lending (49) Banking Reinsurance (6) Mobile Personal Finance Investment P&C Platforms Virtual Banking (9) - Expenses Related Platforms P2P - Business Lending (22) Insurance (22) Banking (23) P2P Lending - Consumer (27) FiservCapital Banking FiservCapital FIS Q2ebanking D3 Banking YellowPepper Simple Lendstar Banking Up Zenbanx Qapital ecoPayz (22) (23) (10) Solutions increase FinTech partnerships in the Seed MX Cobiscorp Avaloq BML Istisharat Craft Silicon IDEALINVENT Five Degrees Unwired Technisys Compte-Nickel NUMBER26 Cachet Boom Financial Koho Fidor Bank Monese mBank Atom Bank Starling Mondo Nation Financial Auxmoney Kiva Zopa Yooli Pret d’Union China Rapid SocietyOne Lending Works Aflunt a Meili Jinrong Finexkap Funding Circle Lendio Jimubox Lendix LENDOPOLIS Able Finance Linxo SecondMarket Founders Circle Capital UNIQA Munich ReSCOR Nationwide Pet Embrace Pet Trupanion Insurance next 12 months* Diasoft Mambu Path Solutions Zafin D+H Centralway Temenos Raisin GmbH NextBank Holvi Etronika Osper Branch SureCash Nubank Peppermint Chime RocketBank Loot Pocopay Cashboard Numbrs Project Innovation LANDBAY Harmoney Smava LendKey PPDai Bondora Faircent Lending Club Prosper InstaPartners Dianrong Rong360m P2Binvestor Mintos Renrendai Assetz Capital StreetShares Technologies Meniga Zebit Squirrel Archer PrimeRevenue eShares Analyze Re Swiss Re Gen Re Petplan Pet FIGO Pet OneAssist Insurance Insurance Prestiamoci Smartika Lendify Lufax RateSetter Kubo BLender Orchard Upstart LoanBook LinkedFinance The Credit Mosaic Wanglibao Weijinsuo Financiero Platform Capital Junction Payments (302) MoneyForward Tink Splittable OneRent SprinkleBit IMatchative Insurance Data (3) 89% of European incumbents The Zebra Esurance Driveway Software • Payment Billing (20) Perfio Money MoneyBrilliant Stockpile Axial Market Asset Match Wallets (26) Platform (59) Dashboard TIO InforcePRO Captricity Apixio First Data Global Braintree Bango WePay Direct Lending (88) Corporation Payments Obillex Boku DaoPay Fortumo JunoTele Uber believe their business is at risk from GuiaBolso Wacai Bankin eToro Pandat Finance investUP Direct Lending - Direct Lending - QGS Loop CyberSource ElavonCashStar Gumroad InstaMed Obopay VPay Limonetik Patientco Business (46) Consumer (42) Insurance Moula Liberis FastPay Lendable WeLab zipMoney FinanzCheck P2P Insurance (3) Payzone Vindicia Zuora mopay Aria Systems iVinci Health Transactis Infrastructure (9) ReadyForZero Money View BillGuard Savedo Interactive BullionVault Investor Softcard Gratafy Kuapay Buck Coins.ph Credorax Poynt inMediata Connect Your Prairie BlueFin UpLift Electronic Avalon Care Cloudware Payment Sys Payments Solutions FinTech companies within the next Innoviti Fundation iwoca Qredits Better Finance Thinking MarketInvoice Fleximize Amicus Splitit BTCjam CommonBond EarlySalary Cumulus CircleBack Bread Dashu Finance Friendsurance LemonadeGuevara Group Capital Funding One97 ChargeBee Emergent WithMe Ingo MoneyBill.com Paymobile Payments LearnVest SmartAsset Expensify Deposit Scalable OurCrowd Solutions Capital SavingStar Inc. Salt MobiKwik Happay Cover Align Clinkle PlaySpan PayOne WorldPay Shopify Euronet PayPoint Realex Commerce Worldwide Payments OnDeck Kabbage BlueVine quarterspot LiftForward C2FO CAN Capital Lighter Capital PayPal Credit PaveSoFi Vouch Payoff Avant Borrowell LendUp GreenSky Trov Shift Cards Technology Insurance (17) Moneytree Mint.com Even Swanest DealGlobe FundsIndia Comparison (19) 5 years* Chillr QuikWallet Cashcloud Pademobile Aston Club Movilway Adyen fastacash Interswitch Ixaris Mangopay MOLPay Xfers Goodbox American Chase Discover Express Paymentech Financial DealStruck Bond Street Swift Capital Behalf The Mirador ApexPeak Renew Strategic Oportun Earnest Affir Argon Credit Kueski Neyber InVenture Progressae Receivables Financial Funding Source Eligible InforcePRO Traity Institutional Investment (7) Coverfox Insurance AppCard Momoe Mobeewave Bancore Paga Davinta PromisePay Moneris iyzico Paymentwall Stripe WaveCrest Coda Payments M-DAQ Blispay MasterCard Visa card.com UniRush ProPay Bluepay Technologies Technologies RapidAdvance LQD Business Capify Prospa Funding ASTON iTrade Créancio Capital Float EZBob Financeit LoanNow loanDepot Lendful Grow Zibby MoneyMe CreditShop Finance Options Finance Financial Apixio Bloom Health QuanTemplate Snowball Zanbato Addepar Street Contxt DriveWealthKapitall Trusted Insight 55% of FinTech and 40% of Finance • Lesfurets.com LeLynx Le Comparateur Yoyo WalletAbra Clipp Zoona Zebpay Wirecard AG Financial Soft Electronic YeePay Clear2Pay TransferTo Lakala Ingenico Group Pin Payments MONI Blackhawk AstroPay Creditcall Neteller Prepaid ItzCash Card and Systems Payment and Network Financial Ltd. Aye Finance Growth Street Capital on Tap Advanced NeoGrowth Phoenix Hanhua Borro Applied Data Wonga Oakam Microcred Fair Finance Merchant Credit Finance Financial Finance Hepstar Personal Finance
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