This document discusses the future of money and banking. It notes that technology is driving changes through mobile, social, and location-based platforms and tools. New forms of value like cryptocurrencies and reputation systems are emerging. Banking is moving to more open platforms. Both incumbents and new challengers are active in this shifting landscape, which is becoming more fragmented across many players. The document considers what may come next as the role of data and platforms grows in importance.

1. Future
of
Money
&
Banking
Peter
Vander
Auwera
@petervan

3. VIDEO
FLY
ME
TO
THE
MOON
hDp://www.youtube.com/watch?v=5I_O2JgVNs4&feature=share&list=UUfot1jp_v38GWuvq8FyQoyg

4. SEA
OF
CHANGE

5. • Tech:
– SoLoMo:
Social,
Loca`on,
Mobile
– Plaaorm,
APIs,
Horizontal
Sourcing
– Data,
Automa`on,
Security,
Disintermedia`on,
Crowds
• Non-­‐Tech
– New
expressions
of
value:
alterna`ve/complementary
currencies,,
cred,
influence,
informa`on
assets
– Banking
as
a
plaaorm,
Everything
as
a
Service
– New
Economies
(P2P,
Sharing,
ADen`on,
Reputa`on,…)
– Crowd-­‐everything
(Credit
Cards,
Funding,
Inves`ng,
etc),
from
Silo
to
Open
UNDERSTREAM

6. Highly
Fragmented
Market

7. Mobile network operators Money transfer operators Mobile wallets
E-commerce companies
Credit card companies
Vendors
Handset manufacturers
7

8. Shijs
Happen

11. hDp://envisioningtech.com/finance/

12. Incumbents
Edges
New
Plus
More
Core
Big
Boys
Challengers

13. Incumbents
Edges
New
Plus
More
Core
Big
Boys
Challengers

14. It’s
BIG
business

15. CITI
15.5
Billion
$
per
month

16. JMPC
5.5
Billion
$
per
month

17. Zopa
P2P
Lending
1/4
Billion
£
since
2005

18. What’s
Next?

19. VIDEO
SLICES
OF
LIFE
hDp://www.youtube.com/watch?v=Wzsqtdx40qg&feature=youtu.be

20. from
“Money”-­‐Bank
to
“Data”-­‐Bank

22. TROV
VIDEO
hDp://vimeo.com/45995619

23. Resources

26. hDp://www.goodreads.com/goodreadscompetervan

27. THANK
YOU
Peter
Vander
Auwera
@petervan