p. 1

Dr. Florian Moser

@moseflo

Mobey’s member meeting, Munich, 23.06.2016

Fidor Bank

Community and Mobile Banking in a digitized world

p. 2 p. 2

Create value and revenue potentials

for the company

Build up relationships with potential

partners

Maintain & enhance those relations in the

interest of the company

Why digital banking at all?

p. 3 p. 3

Regulation and Technology create powerful customers

Source: Smartfile Developers, 2013

p. 4 p. 4

Digital channels on the rise and customers more and more

unprofitable and likely to switch Source: World Retal Banking

Index by Capgemini/EFMA

p. 5

…mobile is the new black

Source: Business Punk,

Orange, ImaGin Bank

p. 6

Banking becomes distributed

Personal Banking

SME Banking

p. 7 p. 7

How Fidor Bank is integrating this trend into a business model

p. 8 p. 8

Fidor Bank AG at a glance

fidorOS Break-even

2009 2010 2011 2012 2013 2014 2015

EU

Banking

license

Kick off Jan

2010

Fidor-UK

US-JV

First B2B-

customer

Fidor Smart

account

First portfolio

transactions Build-up of

API-customers

Profitability

User/KYC (k)

Deposits (EUR mn)

TRX (mn)

12/2

0

0

19/4

87

>0

69/5

78

>0

140/14

156

0,1

213/51

202

1,5

264/76

269

7,2

301/95

350

11,2

Launch

Fidor API

2008

Start

Community

381/130

425

3,3

2016*

*as per Q1/2016

p. 9 p. 9

Banking mit Freunden!

INTEGRATIVE OPEN EFFICIENT CUSTOMER CENTRIC

p. 10 p. 10

Customer centric + efficient banking requires knowing the

customer

Real-time 360° customer view

p. 11 p. 11

But most important: Direct interaction with the customer via our community

p. 12 p. 12

Peer to Peer Advisory Customers not just „like“ other comments and advises but say „cent you“ – world‘s fist frictionless P2P payment in a financial community

p. 13 p. 13

The Fidor Community Karma – a data-driven „scoring“ of our customers‘ activity and loyalty in the community

p. 14

Deep integration with the Community

• Fidor offerings and 3rd Party Apps (integrated via API)

• Innovation inside like Ripple, P2P lending, e-Commerce shop, Crowdfinance etc.

Basic PFM

User created tutorial videos

Easy and intuitive navigation

Speed Banking, shown by „60 sec banking” icon

The Fidor Smart Account – an open market place for financial products

p. 15 p. 15

And what about the technology?

p. 16

Fidor follows a 2-speed architecture + API first approach

p. 17 p. 17

API allows for a endless variety of mobile front-ends and

use cases all built on one technology

Fidor iOS App O2 Banking App Fidor Widget White Label App

p. 18

Mobile only

Banking

- It is not only a fancy App

- 95% of the value happens in the

back-end

- It is more than Android vs. iOS

- It is not just mobile transactions

- It needs to follow mobile

principles like 1-click, real-time,

100% STP, gamification,

rewarding, MSISDN/E-Mail, P2P,

Push etc.

- Customer service is essential!

- It must be fun!

Or: why all this

effort with API

and 2speed

architecture –

just build me a

fancy app!

p. 19

…and who knows where the journey might end

p. 20

Thank you! #proudtobefidor