#FintechLunch · Mobile centric Data & PFM Easy to use Transparent Faster to innovate Customer...
Transcript of #FintechLunch · Mobile centric Data & PFM Easy to use Transparent Faster to innovate Customer...
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#FintechLunch
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Herzlichen Dank! #BetterTogether
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Never stop learning
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Fintech & the Rise of Challenger Banks
Rino BoriniGründer 10x10 & Finance 2.0 / Studienleiter
HWZ CAS Digital FinanceAcademy-PartnerPresenting-Partner
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Wie tickt die Challenger Bank YAPEAL?
Andy WaarCo-Founder & CMO Yapeal
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Wie das Fintech Unicorn N26 eine Branche umkrempelt
Georg HauerGeneral Manager DACH bei N26 Academy-PartnerPresenting-Partner
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Google Trends: «Fintech»
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FinTechs sind relevant, wenn sie ein Problem lösen
Sie «greifen» einen Profitpool an und skalieren schnell
Sie wollen ein besseres Produkterlebnis schaffen
Sie kreieren eine stärkere Kundenbeziehung
Sie bringen alles schneller auf den Markt
Sie bieten schneller, billiger und einfacher Finanzdienste an und sie sprechen die Sprache des Internets!
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Beyond FinTech
Fazit WEF: «Fintechs have changed how financial services are structured, provisioned and consumed, but have not successfully established themselves as dominant players»
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Fintechs haben die Initiative ergriffen, Richtung, Form & Tempo bestimmt.
Sie haben entscheidende Teile der Wertschöpfungskette unter Druck gesetzt.
Fintechs haben Kundenerwartungen und Customer Experience neu definiert.
Die Bereitschaft der Kunden, sich von Banken zu entfernen, wurde überschätzt.
Die Kosten/Hürden für einen „switch“ sind noch zu hoch. Neue Innovation reichen nicht aus, um Kunden 100% für sich zu gewinnen.
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67 FinTech/InsurTech Unicorns: ~245 Milliarden USD
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Value Proposition Challenger Banks
Mobile centric
Data & PFM
Easy to use
Transparent
Faster to innovate
Customer centric
EcosystemLeverage Customer Data: AI & ML
Lifestyle
Free & Low fees
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Traditionelle Banken immer noch «on top»
Quelle: Apptopia
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Etablierte wollen «challengen»
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Challenger Banken
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Quelle: CB Insights
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Was haben diese Firmen gemeinsam?
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Eine Bank
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Keine Bank
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Keine Bank
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Fintech Lizenz FINMA
SICSwiss
Interbank Clearing
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