What will shape Fintech in 2016Fintech Istanbul - Meetup01.2015

mobile money solutions

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Who are we

Retail Payment Brand Alternative payment w. multi-bank supportedmobile wallet & Over The Counter Payments

(Bill Payment)

3500 agent network MOKA managed merchant acquiring,

acceptance network and payment processing (PSP)

Regulated PSP Operating pursuant to a

PSP licence and regulation by the TurkishBanking Regulation and Supervisory Agency

(modelled after EMD/PSD)

Core Payment Platform Built and operated in accordance with

industry standard security and applicable global payment network certifications

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Five Fintech Trends for 2016

- Ecosystem growth - Bank & Fintech Collaboration - Millenials - Blockchain - New categories for disruption

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Mobile is a key driver for Fintech

“It took 13 years to get two million customers using Internet banking; it took just two months to reach that number for mobile banking.”

Barclays Bank

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Unbundling - Focus on delivering discrete units of value

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Searching for new innovation space across all Fintech categories

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Global Fintech Investment Triples

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Global Fintech Investment Triples to US $12 bnBut global distribution is uneven

M&A volume 2010 to 2015 in USD, ICDowson William Garrity Associates

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Millenials - opportunity to rethink product silos

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POS Innovation - form factor agnostic and new vertical platforms

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Fintechs vs Banks

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Emerging models of collaboration

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Blockchain - 20bn USD saved cost through decentralisation

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Financial Inclusion

Source - GSMA Intelligence, World Bank

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Cost efficient service delivery through mobile

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Mobile money enabled product innovation

M-Kopa

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Mobile money powered ecosystems - data-driven value creation

Thank you.

Ilker Uzkan Executive Board Member (International Projects)Moka A.Ş. Istanbul, Turkey E. ilker.uzkan@moka.com