Deze presentatie gaf ik op een nieuwjaarsbijeenkomst voor hoofdzakelijk financieel adviseurs. Welke ontwikkelingen zien we in de wereld van FinTech? Hoe kunnen financieel adviseurs overleven in een snel veranderende omgeving, waarin Fintechs een steeds belangrijker rol gaan spelen? Wil je meer weten over deze presentatie of andere presentaties die ik geef, neem dan contact met mij op: www.finno.nl / pascal(punt)spelier(apedingetje)finno(punt)nl.

1. Overleven in een wereld van FinTechs
Nieuwjaarsbijeenkomst
18 januari 2017
Pascal Spelier

2. www.finno.nl

3. Overleven in een wereld van
FinTechs

8. New generation setting
new standards for banking

9. Three drivers for change
Changing
customer
behaviour
New
technology
Changing
regulations &
legislation

10. Gen Y drives importance of digital

11. “Yes, they’ve got WiFi here”

12. Digital praying in a church
in France

13. Source: Clayton Christensen (Harvard)
Performance
Time
Performance improvement
mainstream
Potentially disruptive technology
Disruptive technologies move up
market and eventually displace competitors

14. Performance
Time
Disruptive technologies move up
market and eventually displace competitors
Dvd per mail
Digital movies
Digital series via Ps3/4, Xbox, tablet
Source: Clayton Christensen (Harvard)

15. Customer
Distribution /
Front Office
Manufacturing /
Back Office
Market Infrastructure
Individual
Institution
Investing/
WealthMgmnt
Personal
Savings
Lending
Capital
Raising
Source: based on illustration ‘Financial Services Value Chain Supermarket Age’ by Doug Nelson
Payments
= flow of capital
De huidige waardeketen staat onder druk…

16. Customer
Distribution /
Front Office
Manufacturing /
Back Office
Market Infrastructure
Individual
Institution
Investing/
WealthMgmnt
Personal
Savings
Lending
Capital
Raising
Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson
Payments
…en financiële diensten worden ontvlochten
Independent, digital front ends API-driven middle- and back office
Electrification of market infrastructure
Independent , digital front ends and middle- and back office

17. “Banks keep looking for this big
competitor who is going to take
them on end to end, and that’s
not going to happen.
We’ll see death by 1,000
cuts of the banking industry,
a chipping away.”
Brett King – best seller author and CEO Moven

18. ‘s-Werelds grootste bedrijf op het
gebied van accommodaties heeft geen
geen kamers

19. ’s-Werelds grootste
retailer heeft geen
voorraad

20. ‘s-Werelds grootste taxibedrijf
heeft geen taxi’s

21. GROUP #001:
Brighton Sea Swimmers
‘s-Werelds grootste verzekeraar heeft
geen risico’s op de balans?

22. “Waarom zou de
grootste bank ter
wereld geen bedrijf
kunnen zijn zonder
leningen op zijn balans?” Ralph Hamers – CEO ING

24. It is not the strongest of the
species that survives,
nor the most intelligent
that survives.
It is the one that is the
most adaptable to
change.
- Darwin -

25. Functions of
Financial Services
11 Clusters of
Innovation

26. Based on a framework used in the World Economic Forum report ‘The Future of Financial Services’
*
*) All crowdfunding-, peer-to-peer- or market place lending platforms could also be placed in the ’Investment Management’ slice
*
V1.4
Dutch FinTech
Landscape
Challenging the Incumbents
V1.4 | Jan. 2017www.finno.nl

27. New payment services
will result in changing
customer behaviour and
cryptocurrencies
may radically streamline
the transfer of value

28. 140,8 miljard
debet card transacties
62,7 miljard
credit card transacties

30. Al kennis gemaakt met de Bunq experience?

31. Meanwhile: incumbents behaving like FinTech

32. Pay Pay

33. Disruption in banking will be
most imminent;
but the greatest impact of
disruption is likely
to be felt in the
insurance sector

34. Credits: Yvonne Kroese
Meten is weten
Quantified Self

35. Internet of things
Van zelf naar vanzelf

43. New lending
platforms are
transforming credit
evaluation and
loan origination

44. In Europe the non-bank lending share
for corporates is increasing
Source: based on Cour-Thimann and Winkler (2013), with updated data Eurostat, ECB, Federal Reserve System.

45. MUNT Mortgages invests pension money
directly into the mortgage market

46. FinTech startup Jungo brings crowdlending
to the Dutch mortgage market

47. Interest%
Mortgages
according to*:
80%
institutional investors
interest %
Seniormortgagecollateral
Juniormortgagecollateral
20%
crowdlenders
* example,
interest levels
are indicative
Jungo combines institutional funding with
crowdlending

48. bijBouwe provides online mortgages with
institutional investors funding

57. Crowdfunding
platforms are widening
access to capital
and create a venue for
investors looking for a
interesting
financial return

58. Pre-seed Fase Seed Fase Start Fase Groei Expansie Restructuring
Crowdfunding
• Equity based crowdfunding
• Reward based
• Donations
Marketplace lending
• Crowd lending
• Debt-based crowdfunding
• Peer-to-peer lending
• Informal Finance
Alleen groei en expansie:
Start, groei en expansie:
Rabo & Co
Crowdfunding wordt steeds populairder, maar
is nog steeds een druppel op een gloeiende plaat

59. Robo-advisors are
improving accessibility
to sophisticated
financial management
and creating margin
pressure, forcing traditional
advisors to evolve

64. Smarter and
faster machines
transform capital
markets

69. The future marketeer is
a nerd with empathy
Privacy as a
currency

70. Source: online survey Edelman ‘Brandshare’
15.000 respondents in 12 countries
Privacy as a currency

71. Overleven in een wereld van
FinTechs

72. Zorg dat je online vindbaar bent

74. Werk samen met ‘leveranciers’ die hun
processen efficiënt hebben ingericht

75. Ga zelf online*
* daarmee bedoel ik niet de eigen website

77. Ontwikkel in samenwerkingsverband
‘de financieel adviseur in een app’

78. Overtref de verwachtingen van
uw klant

79. Prijs
Product
Service
(Digitale)
Klantbeleving
De weg naar loyale
klanten
‘Commodity’ Onderscheid door toegevoegde waarde

80. De weg naar loyale klanten verloopt via
het hart

81. “Computers personalize,
humans make it personal;
Computers predict,
humans surprise;
Computers deliver,
humans overdeliver;
Computers confirm,
humans smile.”

82. It is not the strongest of the
species that survives,
nor the most intelligent
that survives.
It is the one that is the
most adaptable to
change.
- Darwin -

83. Pascal Spelier
Chief Inspiration Officer
Financial Services
Mobile:+31 (0) 6 39 78 09 46
pascal.spelier@finno.nl
Thank you!
@spelier
www.slideshare.net/pascal.spelier
www.linkedin.com/in/pascalspelier