2. AGENDA:
1. Where is the market going?
2. The End Game
3. Monetizing Convergence
4. One-click Financial Planning
3. Where is the market going?
What moves are being made now?
4. STARTED FROM EXPANDED TO
ROBO
SAVINGS
LENDING
ROBO SAVINGS
PFM
ROBO
LENDING
REWARDS
MICRO-INVESTING
ROBO
PFM
CARDS
ROBO
SAVINGS
REWARDS
TRADING
Robos are moving into savings.
5. STARTED FROM EXPANDED TO
REMITTANCE
SAVINGS
CARDS
TRADING
PAYMENTS
PFM
SAVINGS
CARDS
PAYMENTS
PFM
SAVINGS
CARDS
LENDING
PAYMENTS
PFM
SME
REMITTANCE
LENDING
PAYMENTS
SAVINGS
ROBO
LENDING
Digital Banks are moving into savings.
10. TODAY
Can I buy it?
PFM
Cards
Can I spend any?
PFM
Cards
WEEK
Do I have enough?
PFM
Cards
Savings
MONTH
Can I plan ahead?
PFM
Savings
YEAR
What do I want?
Savings
Lending
Insurance
Robo
FUTURE
What did I do?
Insurance
Robo
DEATH
Savings is the glue between tomorrow and the future.
Spender
Saver
Investor
12. Goals are the lens from real life into banking.
Source: 11FS
13. Transactions
Facilitate money movements
without any guidance or oversight.
3
Analytics
Help customers understand their
money movements without
judgement.
2
Advice
Provide judgement on customer
finances and suggest corrective
actions.
1
Real customer value requires advice.
14. TODAY WEEK MONTH YEAR FUTURE DEATH
Financial Planning
Pay the bills
Balance cash flows
Save for a rainy day
Basic life insurance
Buy a car
Buy a home
Do your taxes
Start a business
Enjoy life a little
PFM
Cards
PFM
Cards
PFM
Cards
Savings
PFM
Savings
Savings
Lending
Insurance
Robo
Insurance
Robo
Take a year off
21. We know your spending, so we know your financial plan.
22. This is a one-click wealth journey.
Compares to people like me
People like me save for retirement
Extrapolates my retirement lifestyle
Calculates my savings plan
I accept my retirement plan
Transactions flow automatically