FinTech companies and startups' changing dynamic forces them to be more adaptive to stay afloat or pivot during these difficult times. Financial institutions from all over the world change the way people practice their finance. These are all credited to the growth of new digital trends such as Cryptocurrency, Contactless, Trading. The Intellectsoft webinar "The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021" offers fintech visionaries access to the unique resources for accelerating the infusion of digital finance in their business. Watch the webinar to: - Explore global fintech trends every leader should look out for in 2021 - Reveal how to make your fintech business stand out in the post-digital world - Discover today's featured examples of Intellectsoft clients' technology solutions that can help you provide better and more efficient services - Discuss how to evolve in 2021 using emerging technologies and more efficient solutions Learn more about our financial software development here: https://www.intellectsoft.net/solutions/financial-software-development-services

1. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
The Future of FinTech:
Insights, Trends, and Use Cases Defining the Industry in 2021

2. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
TIM KOZAK
Senior Solution Architect
Experience: 10+ years
DIANA KOCHEVA
Head of Digitalization Services
Experience: 7+ years
Speakers
2

3. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
HQ & Strategic Delivery Locations
OSLO
NEW YORK
LONDON
KYIV
MINSKSILICON VALLEY with over 5 years
of IT experience76%
Master’s degree
or higher81%
total attrition
rate~14%
target attrition
for 2019~12%
Intellectsoft Team Key Figures
Hong Kong
representative office
establishment is in
progressRIVNE HONG KONG
3

4. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
For over 13 years, Intellectsoft
has been helping Fortune 500
companies and established
brands build solid software
foundations for their businesses.
Intellectsoft Key Clients
4

5. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Global Fintech Industry
Overview & Technologies
Diana Kocheva
Head of Digitalization Services
at Intellectsoft

6. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
● According to PwC research,
80% of telecommunication and
75% of financial services
organizations are currently
creating jobs related to fintech.
● Half of those also consider it as
a part of their strategic
operating models.
Emerging FinTech Trends
Emerging FinTech trends that are most likely to impact fintech businesses in 2021
6

7. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
● The market's largest segment will be
Digital Payments with a total transaction
value of $4,934,741 M in 2020.
● Due to the major differences in the KPIs
of FinTech products, e.g. different nature
of loan origination volume in Alternative
Lending in comparison to Assets under
Management in Robo-Advisors, no total
transaction value for all segments can be
calculated.
Market’s Largest Segments
Transaction value, in million $US
7
Transaction Value

8. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
● Global investment activity in
fintech reached $150.4 billion in
2019, though it slowed down to
$25.6 billion in the 1st half of 2020
due to the COVID-19 pandemic.
● The US-based investments
account for the biggest share,
standing at 62% of total world
fintech funding in Q3 2020.
Global FinTech Investment Activity
8
Blockchain Business Value, Worldwide 2017-2030
Annual Payment transaction value (in billion US dollars)
202220212020201920182017
500.000
1.000.000
1.500.000
1.000.000
2.500.000
3.000.000
2023
3.500.000
20282027202620252024 2029 2030
0
3.160.041104
128
27
20
40
60
80
100
120
140
0
InmillionUS$
AnnualGrowthRate(%)
Business Value Growth

9. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
5 Promising FinTech Trends
for 2021 with Use Cases
Diana Kocheva
Head of Digitalization Services
at Intellectsoft

10. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
● 73% of respondents globally use online
banking at least once a month,
compared to 59% who use mobile
banking apps.
● Moreover, no generational differences in
how frequently online banking is used—
baby boomers use online banking just as
often as tech-savvy millennials.
Online Banking
10
Use of online and mobile apps for different banking
activities by mobile banking users
Balance inquiry Transfer from
one account to
another
Transfer money to
another person
Pay bills
Online banking Mobile banking app

11. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
New World Bank for the Micro-Economy
Global mobile banking platform that enables people to open bank
accounts, access peer-to-peer banking services, and send money
across the world.
The platform incorporates blockchain, biometrics technologies (face
and voice recognition), machine learning, and 3-factor
authentication.
● Currencies tokenization
● Core Banking integration
● Global payment networks
● Internal exchange
● Biometric Identity
verification
● KYC/AML checks
● Microservices architecture
● Hyperledger Fabric (multi
organizational)
● Chain code contracts (Golang)
● Deep linking with ERC20
contract on public Ethereum
● Ethereum account watchers
11
SOLUTION
FEATURES TECHNOLOGIES

12. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
● Mobile payments market will jump to
$142 billion by 2019, and to $190 billion
by 2021, according to Statista. The
main driving factors for mobile
payments awareness and adoption
are better security, convenience and
bigger demand for mobile shopping
(mCommerce).
● The graph shows the increment of
mobile payment transaction volume
in the US alone from 2015 to the
proximal value in 2021 (in billion US
dollars).
Mobile Wallets
12
U.S. proximity mobile payment transaction value 2018-2023
Annual Payment transaction value (in billion US dollars)
9.77
27.67
49.29
78.09
113.79
153.28
202020192018201720162015
0
50
100
150
200
250
189.97
2021

13. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Blockchain-based Wallet App
Cryptocurrency wallet app that allows its users to effortlessly
send and receive Bitcoin and Ethereum with a shake of the
smartphone, staying anonymous both digitally and
physically.
The app is part of a Mobile P2P proximity payments platform
we developed with the latest blockchain technologies on top
of a bitcoin and Ethereum platforms.
● Direct to chain transactions without additional
fees
● P2P public chey sharing without direct
communication
● Bitcoin, Ethereum, ERC20, ERC721 transactions
● Great tokenization possibilities
13
BENEFITS
SOLUTION

14. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Decentralized Finance Adoption (DeFi)
The global blockchain market size is expected
to grow from USD 3.0 billion in 2020 to
USD 39.7 billion by 2025, at an impressive
Compound Annual Growth Rate (CAGR) of
67.3% during 2020–2025.
Blockchain usage in Europe has shifted
dramatically to payments (33% of
organizations), data access and sharing (30%),
identity protection (30%), and data
reconciliation (29%).
The new trend, however, is decentralized
finance or DeFi. It is about creating
autonomous protocols (set of rules) for money
to operate; no trusted party is needed. The
hottest topic is lending, namely yield farming.
14

15. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021 15
TECHNOLOGIES
● Postchain 2.0
● Microservices architecture
● Smart Contracts on Rell
● Deep linking with ERC20 contract on
public Ethereum
● Ethereum account watchers
FEATURES
● Tokenized gold and futures
contracts
● Wallets for mine, refinery, vault and
auditing companies
● Full supply chain transparency with
public blockchain explorer
● Integration with LBMA
● End-to-end encryption
Gold tokenization and supply chain management
SOLUTION
Web-based tokenization platform that enables direct investment in precious
metals by leveraging modern technologies and approaches.
Blockchain technology allowed us to combine the stability and value of
precious metals with cost-effectiveness and real-time access from the digital
world. It enabled direct ownership of value through the public/private key
cryptography and brought full transparency to the mining, delivery and storage
process.
Digital Gold Marketplace

16. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021 16
Potential Annual Value of AI and Analytics for Global
Banking Could Reach as High as $1 Trillion
1. Fintech market already adopt basic AI and
analytics tools, mostly in area of Machine
Learning (Traditional AI) that is around ⅔ of
potential revenue from AI-driven business models
2. Successful banking-related chatbot interactions
will grow 3,150% between 2019-2023
3. Financial products driven by Advanced AI driven
tools will be accountable for more than 5% of
global banking revenue in 2021, that is still $360
billions market
4. 826 million hours will be saved by banks through
customer interactions automation in 2023
5. AI technologies can help:
○ boost revenues through increased
personalization of services;
○ lower costs through efficiencies
○ uncover new and previously unrealized
opportunities
Total Banking Chatbots Cost
Saving for Businesses in
2023: $7.3 Billion
$7.3
Billion
Americans Europe Rest of World
Potential Annual Value of AI and
Analytics for Global Banking Could
Reach As High As $1 Trillion
$1,022,4
Billion
Traditional AI Advanced AI

17. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021 17
AI Bank of the Future
BANK OF THE FUTURE
Customer
Acquisition
Credit
Decision
Making
Fraud
and Scam
Monitoring
Retention and
Cross Selling,
Upselling
Personalized
Servicing and
Engagement
Intelligent
products, tools,
experiences for
customers and
employees
Within-bank
channels and
journeys (eg, web,
apps, mobile, smart
devices, branches,
Internet of Things)
Beyond-bank
channels and
journeys )eg,
ecosystems,
partners,
distributors)
Smart service and
operations
1 2 3 4
PERSONALIZATION
AT SCALE
Core Banking Services
AI-Powered Decision Making
Reimagined Engagement
PROFITABILITY
OMNICHANNEL
EXPERIENCE
SPEED AND
INNOVATION

18. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021 18
Bank of the Future (Customer Experiences)
Smile-to-pay facial
scanning to initiate
transaction
Micro-expression
analysis with
virtual loan
officers
Biometrics (voice,
video, print) to
authenticate and
authorize
Machine vision and
natural-language
processing to scan
and process
documents
FRONT OFFICE BACK OFFICE

19. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Machine Vision to Scan and Process Documents
19
CHALLENGE
SOLUTIONS
A lot of banking organizations that requires financials for
their operations still need to provide tons of documentation
to assure their credibility. Due to pandemic, banks and
financial institutions are still need to facilitate documents in
physical form to assure their authenticity.
● AI-based OCR (Optical character recognition) allows to
convert any type of documents with proof of their
authenticity, including hand-written signatures and
stamps (if any).
● Quick and risk-free cross-check form validation using AI.
Mobile app that allows to digitize checks using AI.

20. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Trading & Securities
20
The trading landscape has certainly evolved over
the years.
With the number of electronic trading platforms,
trading apps, and service providers growing at
an exponential rate, the trend is about to explode.
Just in 2019, global stock markets gained $17
trillion in value, indicating clear opportunities for
success.
Ultimately, it all comes down to having the right
knowledge to get started the right way, to see
through the trading scams and to make trading
decisions that are actually profitable.
Global Algorithm Trading Market (2017-2024) USD Billion
202220212020201920182017
0
5.0
10.0
15.0
20.0
25.0
20242023
8.3
20.9

21. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Data Hub Platform
Our Client is a venture capital firm specializing in growth capital
and late-stage startup investments, a part of multinational holding
conglomerate operating $100 billion investments in the businesses
and technologies.
21
ABOUT THE CLIENT
CHALLENGE
SOLUTIONS
As a part of company’s digital transformation journey, the Client has
asked Intellectsoft to analyze and replace its current ecosystem of
Excel sheets without centralized repository and unified access by
modern data hub platform.
Mobile and web applications for Client’s analytics team and C-level
management. It provides in-depth analysis of Client’s portfolio and
investors companies, along with statistics about investments, fund,
valuations, etc. With its help Users have a quick on-demand access
to relevant data which is updated regularly.

22. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Digital Strategy
for Your Next FinTech Solution
Tim Kozak
Senior Solution Architect
at Intellectsoft

23. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Product Vision and Technical Design Workshop
Launch
Sprint 0:
Project initiation
DISCOVERY PHASE
WORKSHOP
User
Acceptance Testing
Iterative Development:
UI/UX Design, Development,
QA
MVP/Soft
Launch
23
We cannot solve our problems with the
same thinking we used when we
created them.
Albert Einstein
“

24. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Ecosystem Analysis | Timeline & Objectives
● Introduction
● Review business processes and
understand business needs
● Existing Architecture and Technical
Specification Study
● Interviews with stakeholders,
documentation study, contextual research
● Working on the systems and feature list
with their prioritization
● High-level roadmap definition
● Technology stacks preliminary selection
● Technical assumptions
● Desired hosting approach (cloud/on-
premise/hybrid)
● Solution proposal
● High-level architecture
● Detailed requirements specification
● Project approach and high-level project
plan (i.e., sprints quantity, key milestones,
etc.)
● Team and resource plan (weekly FTE plan)
● Budget - estimation
● Project risks
PM, BA
Solution Architect
Client Team
PM, BA
Solution Architect
Software Engineers (optional)
Client Team
PM, BA
Solution Architect
Software Engineers (optional)
Client Team
* usually is performed remotely * onsite presence is recommended * usually is performed remotely
24
WEEK 1
Functional & Tech Analysis
WEEK 2
Workshop (Onsite Or Remote)
WEEK 3-4
Solution Proposal & Project Plan

25. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Q&A
Diana Kocheva
Head of Digitalization Services
at Intellectsoft
Tim Kozak
Senior Solution Architect
at Intellectsoft

26. The Future of FinTech: Insights, Trends, and Use Cases Defining the Industry in 2021
Thank You!
Intellectsoft HQ
Silicon Valley, USA
+1 (650) 300 4335
+1 (855) TOP DEVS
Intellectsoft UK
London, UK
+44 20 3887 0078
Intellectsoft Norway
Oslo, Norway
+47 21 08 18 50
info@intellectsoft.netdiana.kocheva@intellectsoft.net