Presentation made by:

Generation 19th

August 18, 2017

 AGENDA

 What is FinTech (examples)

 Why do people like FinTech?

 Main customers

 Distribution wealth management

 Impact on household market

 Cons and regulations

 Conclusion

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What is FinTech?

• Computer programs and

technologies for banking and
financial services

• Technological innovations in
the financial sector, retail
banking, investment and
crypto-currencies.
 CATEGORIES OF FINTECH COMPANIES

 Consumer credits / landings

 Money transfer
 Crypto currencies
 Digital Banking
 Online Payments
 Personal financial management
 Funding
 Business Intelligence

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 Top 3 FinTech companies

Ant Financial

Adyen

Qudian

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 Planned bank spending on
financial technologies in the US

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 The impact of investments in financial
technologies

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Why do people like FinTech?
• Instant communication with customer
• Lower costs -> Better services
• Culture of sharing
• Makes investment simpler
• Covers all aspects of borrowing
• New insurance models
• Helps people save and rewards them for this
• Advantages for workers
• Good social impact

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 Main Clients

1) Banks

2) Business clients

3) Customers

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 Banks benefits

Faster
innovation

Solve
industry
problems

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 Business clients` benefit
Crowdsourcing

Transferring
money

Peer-to-peer
leading (P2P)
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 Private clients` benefits
Digital
Get loan payments

Saving,
investments
and personal
financial
management

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 Disrupting Wealth Managment
• Replacement of the financial advisors

• Adaptability of financial advisors to face FinTech

• Collaboration between FinTech and Financial Advisors

• Investors expect contribution of both

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2016 PwC Global FinTech
Survey
• 544 respondents from 46 countries

• 112 respondents - assets and wealth management sector

around the globe

• Traditional companies should be more innovative and

collaborate with FinTech in order to keep the pace with
the trend
Highlights from the PwC Global FinTech
Survey 2016
 Drawbacks of FinTech
Short-term thinking Contradiction between
tech and finance

Small management Powerful companies are

teams resistant to change

Tight financial Limited credit/start-

resources up experience

Financial regulations Unidentified target

market

Security Issues

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 Challenges of FinTech
• Stringent regulations
• Lack of understanding
• Hard to attract funding, partners and teams
• Balancing scale and innovation
• It moves fast

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 Theories
• FinTech – A bursting Bubble?
• Brexit vs FinTech

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 A bubble or not?

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 LendingClub

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 Consequences
• Ruin of startups
• No demand for tallents

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 Brexit VS FinTech
• Concerns
• Loss of EU free movement of labour
• Moving offices and capital from UK
• Will London remain the “FinTech capital of
Europe”?
• Confidence
• Increase speculation and lack of action
• Technology adjustable

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 Thank you for
your attention!

Questions?

August 18, 2017 23