Meeting with Ministry of Economy, Trade and Industry of Japan. The progress of the Swedish FinTech Ecosystem between 2015 and 2018 with learning.

1. DEVELOPING A DIGITAL FINTECH ECOSYSTEM
# MANY ACTORS
# SHORT AMOUNT OF TIME
# SIGNIFICANT EXPECTATIONS FROM THE COMMUNITY
MICHAL GROMEK - RESEARCHER ON FINTECH & CROWDFUNDING (SSE)
PETER POPOVICS - RESEARCHER ON INNOVATION MANAGEMENT (SSE)
WHAT SHOULD
WE DO?
ADAPT?
FREEZE?

4. STOCKHOLM
SCHOOL OF ECONOMICS
CHANGE IN REGIONAL FINTECH BETWEEN 2016 - 2018
HEAD OF FINTECH AT FINANSINSPEKTIONEN
SWEDISH FINANCIAL SUPERVISORY AUTHORITY
STIG JOHANSSON
"Instead of speaking to experienced
compliance teams of bank
employees in sharp suits, with
FinTech we experienced to speak to
the representatives of financial
companies dressed in T-Shirts,
representing a different compliance
structure with a different angle of
view and lingo."

5. Individual
customer HIPS
HIPS
HIPSAdvaaH
iTransa
CLARIFYING THE BLURRY LINES OF FINTECH
GREATER STOCKHOLM AREA - Q4 2017
Stockholm FinTech Report 2017
Author: Michal Gromek, Stockholm School of Economics
Graphics: Adam Strandberg, Fintech Hub
In cooperation with:
Broker
Long-term
Care
InsuranceLifeInsurance
Insurance
Brokerage/Advisory
HealthInsurance
Broker
Consumer Lending
Crowdfunding
Mortgage Lending
Crow
dfunding
Equity
DebtInvestment
ExecutionOnly
InvestmentAdvisory
Marketplace
PrivateEquity
Robo-Advisory
Savings
Accounts
Bill Payment
Cryptocurrency
Domestic Transfer
International Transfer
Transaction
Accounts
Crowdfunding
DisabilityInsurance
WEALTH & CASH MANAGEMENT
CAPITAL,DEBTANDEQUITY
PAYMENTS&TRANSFERS
INSURTECH
PROPOSED PRIMARY FINTECH
COMPANIES FACING INDIVIDUALS
Neonet

8. # Stockholm FinTech Report 2015 - June 2015
# Stockholm FinTech Update 2016 - June 2016
# Chasing the Unicorns 2016 - October 2016
# Informal Networks in Stockholm - November 2017
# The next wave of FinTech, InsurTech and RegTech -
December 2017
# Stockholm FinTech Report 2018 - 24.01.2018
UPCOMING:
# Book: The Rise and Development of FinTech
Accounts of Disruption from Sweden and Beyond, Q1 2018
CONTINUES OBSERVATION OF FINTECH
CENTER FOR STRATEGY AND COMPETITIVENESS
WAS FOUNDED IN 2005
AND FOCUSES ON FIVE RESEARCH TRACKS: STRATEGY & MARKET SYSTEMS,
INTERNATIONAL BUSINESS, KNOWLEDGE IN NETWORKS, CLUSTERS, AND
COMPETITIVENESS POLICY.

9. CURRENT STATE 2015
# Record High investments 2014 - 2015 (Klarna, Izettle)
# FinTech world organized around payments
# No community around FinTech
# Limited regulatory support
WHEN WE STARTED - JUNE FINTECH REPORT 2015
DEPARTURE POINT IN 2015
RECOMMENDATIONS
# Develop a community around FinTech
# Create metrics to track FinTech
# Avoid specialisation
# Development of FinTech clusters
# Highlighting the welfare benefits

11. 0
10
20
30
40
50
Item 1 Item 2 Item 3 Item 4 Item 5
STOCKHOLM PATHWAY TO COMPLEX FINTECH
PAYMENTS
EQUITY
COMPLEXITY
VALUE
ROBOADVISORY
LENDING
INT. TRANSFER
WEALTH
MANAGEMENT
BLOCKCHAIN
BASED
INSURTECH
REGTECH
GDPR & PSD2
BLOCKCHAIN
BEYOND
BANKING
INITIAL COIN
OFFERING
(ICO)
PAYMENT
OF THINGS
(POT)
TODAY

15. TRENDS: MATURITY OF OUR FINTECH ECOSYSTEM