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@moseflo

API based business models powered by Fidor Bank

Fidor Bank AG

Florian Moser – Business & Product Development

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Break-even

First B2B customer

Fidor Smart account Bank /

Tecs focusingEU Banking

licenseCreation of fOS Build-up of

API-customers Profitability

Fidor-UK US-JV

2009 2012 2013 2014 2015 2016Community | KYC (in k)

Deposits (in EUR mn)

148 | 14

156

0.1

213 | 40

202

1.5

264 | 63

270

7.2

318 | 110

400

10.9Transactions(in mn)

Fidor Bank

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APIs will dominante Banking and transaction-based business models

Source: Let’s talk Payments, Programmable Web

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Selected API users

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SEPA payments (Direct Debit and Credit Transfer)

Segregated Account for licensed payment institutionsAPI connection and SEPA DD + SEPA credit functionalityDaily MT940 for account reconciliation Business + Segregated

Account

Customer SEPA accounts

Shops, platforms etc.

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block amount

Block Amounts and instant payments

Bitcoin Real-time trading incl. amount blocking on counterpart SEPA accountInstant SEPA transaction between Fidor accounts

Request Bitcoin

Initiate reservation and SEPA payment

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Peer to Peer Lending

Matching investors and lenders Real-time access to credit accountsFidor as regulated entity

Investors (private + institutional)

Acquire investors, risk affinity check, manage

payback etc.

Acquire and KYC borrower, initiate

credit payout, credit servicing

Borrowe (corporates + private)

API+Outsourcing

agreement

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Advertiser Payouts in real-time

Real-time access to account for transaction validation, accountingSimplified processesEasy payout to Publisher

Affiliate portal

Publisher (e.g., comparison

website)

Advertiser (e.g.,

e-Commerce shop)

Top up affiliate portal corporate

account

Payout to pusblisher

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Cryptocurrency market place management

Real-time access to account for informationReal-time booking between Fidor AccountsSEPA payment initiation

Buyer

Seller

Payout from wallet

Top-up wallet

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…and who knows where the journey might end

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Thank you!

Dr. Florian Moser Business & Product

DevelopmentFidor Bank AGSandstraße 33, 80335

MunichGermany moser@fidor.de

@moseflo