Insights on innovation, fintech trends and blockchain disruption
Blockchain FinTech Strategy_Deck NTU
Transcript of Blockchain FinTech Strategy_Deck NTU
Insurance- Insurance
Disaggregation
- Connected Insurance
Payments- Emerging
Payment Rails
- Cashless World
Deposits & Lending- Alternative Lending
- Shifting Customer Preferences
Market Provisioning- Smarter, Faster
Machines
- New Market Platforms
Capital Raising- Crowdfunding
Investment Management- Process Externalisation
- Empowered Investors
收益最大,而又使顧客感覺不那麼方便的金融服務
• 平台化 (platform based)、數據密集 (data intensive) 和資產輕化 (capital light) 等創新模式
銀行業 保險業
並行策略
正負面風險變化
不間斷的創新力量
改變消費者的行為、迫使企業的商業模式和金融業的長期結構做出調整
WEF 對金融創新的 6 個關鍵發現
區塊鏈就像是經濟上的綠色科技,是全球經濟網路的自然語言。
它的特色是,全球存取、經濟包容與扶貧,當然;去中心化。
區塊鏈並不是金融科技而已,事實上它是社會科學。
藉由共享經濟、契約治理,帶領人類邁向新文明的開端。
從微軟看為何需要 Blockchain?
Reduce Non-Core Infrastructure Costs
Eliminates need for intermediaries
Uses programmable logic
Enables focus on core technology
Increase Transparency/ Reduce Fraud
Each node verifies authenticity
Nearly impossible to change
historical records (immutable)
Increase Speed Simplifies supply chain
Allows T+Zero settlement
Blockchain
Benefits
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Financial
Institutions moved first because
of the immediate
potential for
disruption.
42 Financial
institutions have already signed
on to Azure BaaS.
Source: Bitcoin and Blockchain Thought Leaders Annual Survey
Decentralized
coordination
Finance Identity Property title Communication
23%77% 54% 38%
Privacy other
15%23% 15%
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區塊鍊的衝擊又是什麼
FinTech最容易被接受的3大族群
年輕客群(後Y世代和Z世代)高收入客群高度數位客群及城市
出生在1985年前的人可以知道網路生活的差異,
數位移民或數位原生族群如何建立離線和線上的生活和溝通差異
Aviva 利用微軟雲端技術吸引客戶Usage-based insurance product based on driving data from mobile phones
“With Windows Azure, we can build on capabilities that were unavailable in the past.
As a result, we can offer our customers cutting-edge solutions like never before.”
—Steve Whitby, Solutions Delivery Center Director, Aviva
商業目標• 想要利用創新的Pricing
Model 吸引和保留客戶
• 結合IOT互聯網telematics技術分析汽車保險客戶的駕駛行為
•
資訊戰略• 2012年7月導入微軟
Azure混合雲技術開發新一代行動app並和現有的quote報價系統整合並且透過微軟Azure
Mobile App整合社群網站
商業結果• 幫助客戶降低至少premiums保險費且有效接觸到更多的潛在客戶
• 可以利用手機提供更多的行銷活動方案
• 提供更彈性的開發架構給程式發展單位
Aviva leverages Windows
Phone and the Microsoft
Cloud to power Aviva Drive.
Telematics and Usage Based Insurance at Aviva
Solution Details:
• Implemented for commercial and consumer lines.
• Uses mobile phone’s accelerometer and GPS to
collect data (Windows Phone, iOS, and Android).
• Data store and in the Azure cloud with Microsoft
SQL Server
• 300,000 application downloads to date
• Incorporates gamification
• Raised Net Promoter score
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State Farm 及其隸屬公司為全美最大規模的汽車保險公司,也是加拿大國內首屈一指的保險商。擁有17,800 位代理人和 65,000 多名員工,除了提供汽車保險報價以外,更為 8100 萬個保單和帳戶提供服務 — 在美國和加拿大有超過 7900 萬份汽車、房屋、人壽和健康保險保單,以及將近 2 百萬個銀行帳戶。同時也提供商業汽車保險,並為租屋房客、小型商業業主,船艇和摩托車提供承保
?這就是微電影行銷厲害的地方!以下幾點是這此種宣傳方式成功的因素:1. 有劇情的微電影能拉長潛在顧客在「了解品牌」上停留的時間(通常會多於一集)2. 把品牌中心思想Slogan編寫成故事讓人更能夠記憶、感同身受(在新品牌初創階段是個很好的行銷手法)3. 結合感性劇情,使品牌接受度提高。
Blockchain | 跨產業衝擊
Healthcare
Blockchain removes cumbersome, costly third-party verifiers such as health information exchanges by directly linking patient records to clinical and financial stakeholders. As a result, population health management can take a quantum leap forward.
Information stored on a Blockchain can be used to design more efficient treatment and provide fast, secure, authenticated access to personal medical records across healthcare organizations and geographies.
保險和醫療體系的整合(新一代健保費或保險建議)
跨境就診
Retail & Manufacturing
Retail and Manufacturing sectors can benefit from better supply chain management, smart contract platforms, digital currencies, and tighter cybersecurity.
應收應付動態折扣
供應鏈金融解決中小企業流動資金壓力
Financial Services
The Financial Services sector has been an early mover due to the potential to redesign costly legacy workflows, improve liquidity and free up capital.
Blockchain technologies can help reduce infrastructure costs, increase transparency, reduce fraud and improve execution and settlement times. Due to the significant potential for disruption, consortiums have also come to market and 42 financial institutions have already signed on to Azure BaaS.
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Syst
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man
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on
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Visio Excel Word Visual Studio
.NETFinancial Services Healthcare Supply Chain IOT
DSL
Abstraction Layer
Identity & Key Services
Smart-contract
Marketplace
Crypto-Services
Smart Contract +Cloud Servicing +
Multilayer Middleware
ML & BIServices
Secret Maker (PPE)
KeyVault
Azure AD
Secure Storage
Secure Container
Code Signature
Extended Code Trust
Contract Compiler
Cortana Analytics
PowerBI
Azure AD
Azure AD
KeyVault
KYC Services
Distributed
Ledger Services
Marketplace
Consensus P2PVM DB
Core/Kernel/Universal
Azure Service Bus Other
Blockchain Stack
Marketplace
BaaS | Architecture從科技的角度看FinTech
We’ve delivered an open, broad, and flexible cloud across the stack
Applications Management Clients
Web App Gallery
Dozens of .NET & PHP CMS and Web apps
Infrastructure Databases App Frameworks
SQL Server
+Hundreds of community supported images on VM Depot
Azure BaaS
Hyper Scale
Enterprise Grade
Hybrid
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Microsoft Azure | An Open Cloud
再來全面物聯網去中間化對我們的衝擊?商業模式互聯網化連線主編凱文凱利提到硬體未來將會變成免費
產品體驗互聯網化智能手機已經不在只是通訊而是用戶的生活體驗
市場推廣互聯網化口碑行銷變成新媒體(六度分隔理論級距縮短)
產品銷售互聯網化電子商務是扁平化的過程壓縮中間渠道的獲利和生存空間和傳統業務及行銷的從業價值