1. A vision on the future
of innovation in financial services

2. With Fintech becoming a preference for 33% of
world’s digital population, traditional banks and
insurance companies are fighting a tough battle
to preserve margin, market share and customer
loyalty.
Moreover, speed of adopting digital products,
digital distribution channels and customer
centricity is crucial.
market
overview
p. 2

3. p. 3
Source
KPMG, Pulse of fintech Q4 2017

4. concept
p. 4

5. 67% 59% 53%
top 3 risks
related to
fintech
pressure on
margins
loss of
market share
increase of
customer churn
of banking
business
is at risk to fintech
by 2020
28%
of insurance
business
is at risk to fintech
by 2020
22%
estimated fintech
market users
by 2021
3-5 bn
Sources
PwC, Global Fintech Report 2016
Ernst & Young, Fintech Adoption Index 2017
fintech vs.
traditional
p. 5

8. Source
Ernst & Young, Fintech Adoption Index 2017
the solution
is evolution
some say it’s in the business model some say it’s in the mix of technologies
Core Operation
Automation
p. 8

9. our view
on evolution
we believe it’s in both. with aspects such as speed and modularity being essential.
Core Operation
Automation
p. 9

10. 01
02
03
04
Banks and insurers
are faced with
• Threats from new fintech
• Pursuit of better margins
• Pressure from traditional
competitors going digital
The solution
Fintech OS is a fintech acceleration
software platform that enables agile,
comprehensive, plug & play digital
transformation.
It provides both out-of-the box digital
assets and rapid prototyping and
creation of personalized ones (up to
x10 faster than typical IT approaches).
Which forces them to
Invest heavily in digital transformation
programs with aim to:
• Adopt customer centricity and
omnichannel distribution
• Automate core operations
• Roll out new digital products
• Integrate data and implement
analytics
• Replace legacy IT systems
The problem
Digital transformation projects are
complex, slow, costly and
disruptive to the organization.
Many times these projects fail to
achieve targets and create significant
pains.
wrapping
it up
p. 10

11. Fintech OS is a fintech acceleration software
platform that combines cutting edge digital
technology with a powerful financial core to enable a
fast paced, agile & complete digital transformation of
banks and insurance companies.
so, how do
we do it?
p. 11

12. a middleware focused on
integrated innovation
self-extensible data model,
low-code integration of old
data, powerful analytics,
OPEN API
open data model
digital product factory, risk
analytics, prototyping and
creation of innovative
financial products in days
products & risk
free, out of the box
integrated digital frontends
delivering a true
omnichannel experience
omnichannel
customer 360 core with built-in
single customer view,
personalization, segmentation,
omnichannel communication
customer 360
digital process automation,
low-code workflow engine,
OCR, biometrics, electronic
signature, OPEN API
process automation
powered by AI
Robots, NLP, ML
Data & Automation
enablement
A Fintech’s
Core Business
Digital
channels

13. demo
p. 13

14. Expensive and slow IT contractors
Slow on innovation Huge amount of siloed data in
legacy systems
Lots of papers Manual processes
Traditional FS
Landscape
Pains
Digital Process
Automation
Artificial
Intelligence
Big Data &
Analytics
Customer 360
Core
Risk & Rating
Engines
Digital Product
Factory
OPEN API
Create your
own digital
transformation
roadmap
Roll out through
our ready-made
digital frontends
Build Buy
Create your own innovative fintech apps and bots
using our robot assisted fintech designer that
enables authoring up to x10 times faster than
traditional software development.
Browse our rich Fintech AppStore to start using
ready-made apps and API connectors for Digital
Customer Experience, CRM, Digital Lending,
Digital Insurance or Core Operations Automation.
Digital B2B Portal to be
used by employees and partners
Customer Experience Portal
to be used directly by your customers
OPEN API allows you to
expose everything as a service
AssessAssembleRollout
p. 14

15. our unique
AI roadmap
Digital Process Automation
Agile rollout of digitally automated processes
(OCR, IoT, biometrics, electronically qualified
signature) to improve customer experience and
core operational processes.
Natural Language Processing
Use natural language processing and voice
recognition robots in order to maximize adoption
and increase speed of transformation.
Machine Learning
Employ machine learning to drive cognitive
reasoning, process & robots self-optimization
and predictive analytics thus becoming a truly AI
driven business.
p. 15

16. see it live
p. 16

17. While relatively young in the market, Fintech OS
is already used in production by leading CEE
and UK financial services companies. Also,
more proof of concepts are currently being run
and we expect to have more than 10 leading
international customers in the next 6 months.
current
status
p. 17

18. managed portfolio in banking and insurance
Q4 2017
5,000,000,000 euro
predicted growth
Q4 2018
400%

19. Case Study
Our partnership
Fintech OS became the innovation platform for Hyperion Insurance
Group covering all business entities around the globe to empower
omni-channel digital quote and buy processes as well as policy
administration, credit control and claims easier and faster than ever.
MGA, brokers, underwritters are all using Fintech OS to drive
business development and acquire operational efficiency.
Hyperion Group benefits of an enterprise engagement model gaining
scale economy and reducing its operational costs while achieving a
faster time-to-market and launching new products in 4-6 weeks
across all distribution channels providing their customers new,
exciting, easy and transparent AI driven journeys and experiences.
Areas of interest
Launch new digital products and re-use innovation within a global organization in 4-6
weeks. Customers can subscribe a policy within one interaction in less than 3-5
minutes.
AI driven processes to manage a seamless customer journey on both Quote & Buy as
well as “first notification of loss” and trigger the claims procedure without human
intervention
Analytics empowering data driven decisions at every competency level according to
the users security roles and rights
42%Forecasted cost reduction
through AI and DPA
2018
4 weeksTime to market for any
new digital product in
2017 - 2018
1 weekRoll-out of the first
prototype for a completely
new insurance product.

20. Case Study
Our partnership
Our partnership is built around our common belief that technology
and innovation is the key differentiator in the dynamic environment of
financial services that enables the bank to reshape customer
experience through integration of digital technologies, robotic
automation of financial products, services and processes to empower
end-to-end omni-channel, paperless lending process across all lines
of business.
TBI Bank selected Fintech OS to become its innovation platform and
has engaged into a 3 years Digital Transformation Road Map to
reshape its entire business strategy and provide customers tailored
offers and products adapted to their needs and interest, while
reducing operational costs through AI driven financial services.
Areas of interest
Re-shaped customer experience with a complete end-to-end tailored digital journey
based on defined customer personas and personalized banking services.
Robotics enabled development across core strategic processes such as product
definition, scoring and risk engines and customer profiling
Digital Process Automation of onboarding, digital identity management, loan
origination and disbursement processes
Extend the bank distribution channels and create a financial services marketplace for
partners and brokers
35.3%new customer
aquisition growth
Nov 2016 vs Nov 2017
65%Approval rate growth
in less than 15 mins
2017
2 monthsThe roll-out of the first
loan product that is
100% online (no branch)

21. the power of
partnership
consulting
Providing proven business
know-how and process
reengineering
technology
Delivering an end to end
fintech acceleration
technology
p. 21
implementation
Agile delivery of digital
transformation
programs
Partner network

22. thank you.
email
teodor.blidarus@fintech-os.com
sergiu.negut@fintech-os.com
Ivona.raef@fintech-os.com
phone
mobile +40.722.563.650
mobile +40.729.998.031
online
www.fintech-os.com