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Unbundling Banks - Situation und Gründe

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Vortrag auf der Mobikon vom 12.05.2015
Bank der Zukunft oder Banking der Zukunft?
Ganz klar Banking

Publié dans : Économie & finance
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Unbundling Banks - Situation und Gründe

  1. 1. UNBUNDLING BANKS BANK DER ZUKUNFT VS BANKING DER ZUKUNFT mobikon André M. Bajorat - Mai 2015
  2. 2. André M. Bajorat ‣ Consultant, Business Angel, Founder, Mentor, Key-Note Speaker, Herausgeber, Podcaster ‣ Inhaltliche Schwerpunkte sind Banking, Payment, Mobile, FinTech, API-Banking ‣ Berufliche Historie seit 1997 • Sparkassen Finanzgruppe 97-09 - SK Online // M.d.Gl. Star Finanz / StarMoney - GF giropay • NumberFour AG 09-11 • 2011-2015 Inhaber amb consult • seit 2012 GF und Co-Founder des Fin-Tech StartUps figo • seit 2015 Partner der Strategieberatung KI-Finance • Mentor bei Axel Springer, Microsoft und Starupbootcamp • Beirat bei Fintechs FinLeap und Cringle sowie • Initiator der Wahl zum „FinTech des Jahres“ 2
  3. 3. Was sind die Treiber der aktuellen Veränderung? 3
  4. 4. … und hört nicht auf… Mobile veränderte die Welt…
  5. 5. In den Anfängen der Digitalsierung waren Banken Fore-Runner - das hat sich komplett gedreht Den Benchmark für neue Dienste setzen aber nicht Banken
  6. 6. Verhaltensmuster und Ansprüche der Nutzer verändern sich radikaler und schneller als wir uns das vorstellen konnten/wollten.
  7. 7. wir erwarten eine Vernetzung der digitalen Daten und sind Kontext gewohnt Vernetzt und voller Kontext
  8. 8. Ein Link ist kein Link mehr, sondern smartness ensteht automatisch Smart
  9. 9. Die Cloud verändert unser komplettes Nutzungsverhalten Zentral
  10. 10. Daten kommen zu uns und wir holen diese nicht mehr ab Push
  11. 11. › Warum sind Teile des Kerngeschäfts der Banken und Finanzdienstleister für FinTech Start-Ups interessant?
  12. 12. › Die rasante Durchdringung neuer Technologien bietet neuen FinTech Akteuren gute Chancen für einen gezielten Markteintritt.
  13. 13. › Sie Beherrschen neue Technologien. › Sind schnell und innovativ. › Probieren aus, machen Fehler und lernen. › Passen ihre Produkte und Geschäftsmodelle an die Marktbedürfnisse an.
  14. 14. › Es war noch nie so billig wie heute High-Tech zu schaffen.
  15. 15. › Haben Banken sich in den letzten Jahren nahezu ausschliesslich mit sich selber beschäftigt und den Kunden und deren Wünsche aus den Augen verloren.
  16. 16. Die Konsequenz Quelle: www.millennialdisruptionindex.com/
  17. 17. Biggest threats to banking
  18. 18. › Zudem haben VCs FinTech für sich entdeckt…
  19. 19. Und es kommen jeden Tag weitere… Top 50 FinTechs
  20. 20. Wie ist denn der Markt?
  21. 21. Das altbekannte Marktumfeld: Verdrängungswettbewerb Alte Welt: Potenzialausschöpfung im bekannten Handlungsumfeld Bank BBank A Kunden Produkte
  22. 22. Das neue Marktumfeld Neue Welt: Neue Akteure drängen in das Kerngeschäft ein Bank BBank A Kunden Produkte
  23. 23. › Aber, keiner der Angreifer will die Bank in ihrer Gänze ersetzen
  24. 24. Konzentation auf einzelne Bereiche „Death by a thousands cuts” Quelle: Tom Loverro, RRE Ventures, Slideshare
  25. 25. Und nicht nur für Endkunden… Sondern auch Banken Services für Geschäftskunden Quelle: Tom Loverro, RRE Ventures, Slideshare
  26. 26. Bankathon - Code the Future of FinTech in 30 Stunden Noch ein Beispiel
  27. 27. Für Banken gilt:
 „Es ist keine Frage mehr, ob Sie sich verändern müssen; die einzige Frage ist, ob Sie schnell genug sein werden!“
 Cay von Fournier
  28. 28. DANKE FÜRS ZUHÖREN. André M. Bajorat E-Mail: Mobile: amb@figo.me +49 172 4574783 Web www.figo.io @figoAPI Address figo GmbH Burchardstr. 21 20095 Hamburg

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