presentation on Japan's fintech industry from November 26th's 2nd fintech meet up

1. 2nd Fintech Meetup
NOVEMBER 26, 2014

2. THANK YOU TO OUR
SPONSORS!
finovation

3. WHAT IS FINTECH?
Fintech = financial technology
Banking
Payments
Credit
Cards
PFM
Personal
Investment
Lending
Crowd
Financing
Card Linked
Offers
Institutional
Investment
Research
International
Remittances
Crypto
currency
Securities

4. GLOBAL FINTECH INDUSTRY
- OVER 7 BILLION USD FUNDING
Source: venturescanner

5. FINTECH IN JAPAN
• Ability to develop new technologies but difficulty marketing
than globally ex. E-money/NFC
• Localized version of global fintech
Japan Fintech Industry- Examples
Payments
PFM
Lending
Accounting
Cryptocurrency

6. JAPAN VS. US & EUROPE
• Japan- still in early stage, opportunity for new entrants & growth
Japan
US
Europe
Pros
• Highly
sophisticated tech
consumers
• Still a lot of white
space
• Innovative, large
scale eco-system
with large domestic
market
• Availability of
funding
• EU-level
regulation, ability
to utilize license
across region
• Strong
government
support
Cons
• Difficulty of
enacting large
scale change,
overcoming
regulatory hurdles
• Funding
availability lower
than other markets
• Regulations on state
level, payment
license required in
every state
• Highly competitive
market, low barriers
to entry
• Multi-lingual,
multi-country
solutions required
in early stage

7. KEY ISSUES GOING FORWARD
Can we expand collaboration with incumbent players?
- Expand financial services infrastructure with Banking APIs
etc.
Can we move towards a risk-based approach vs. one-size-fits-
all policy?
- Lower the compliance and risk management hurdles and
cost for lower risk products/services such as low value
payments
- Equalize online businesses with offline (KYC etc.)

8. OPPORTUNITIES GOING
FORWARD
Scaling up of current businesses areas, along with…..
• B2B services such as SME lending, financial
management tools
静止画
• Investment management and retirement savings tools
• Wealth transfer mechanism

9. FINTECH MEETUP
Work together to expand the fintech industry by sharing
information and supporting each other
Please talk to Hiroki or Natalie if you are interested in
getting involved
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Hiroki hiroki.kudo@merrybiz.jp
Natalie natalie@finovation.co