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Fintech Overview - Bekkozha Muslimov

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Fintech Overview - Bekkozha Muslimov

  1. 1. Fintech Overview and Trends 2 April 2016 ‘Bekkozha Muslimov, Investment Director at Blue Wire Capital Fintech Conference at Cass Business School – “Investment Landscape in Fintech”
  2. 2. About Blue Wire Capital Focus: Portfolio: Team: Fintech investments: About myself: • Extensive experience in M&A advisory and corporate M&A for FTSE100 company; • MBA from London Business School
  3. 3. Conference Attendance: Leading Indicator
  4. 4. Status Quo Innovation in Financial Services:  ATM in 1960s  Online banking in 1990s  Securitizations  CDOs  Credit Default Swaps  OTC Derivatives
  5. 5. Perfect Storm Five conditions for Change:  Loss of trust  Expectations of better  The rise of millennials  New distribution channels shaped by technologies  Regulation conducive to innovation
  6. 6. Loss of Trust Sources: filings by regulators and other government authorities, data from banks, and estimates of US litigation costs by analysts at KBW
  7. 7. Expectations of Better Sources: Temkin Group Q3 2013, Consumer Benchmark Survey
  8. 8. The Rise of Millennials 84% say they are influenced by user generated content 60% say financial products are not targeted at them 33% say they would not need a bank in five years Sources: Accenture
  9. 9. New Distribution Channels
  10. 10. Regulation • Systemic failure in banking sector in 2008 • Increased governmental regulation: Dodd-Frank, Volcker, EMIR, Basel III • Focus on separation of retail and investment banking businesses • In UK regulation is conducive to innovation: • PRA (former FSA) launched and dropped some of requirements for new banking entrants and introduced “fast-track” licensing regime • FCA set up Project Innovate • The number of registered e-money providers has more than doubled in the last two years from 38 to 79 • A new Payment Systems regulator • Government set up “New Bank Start-Up Unit”
  11. 11. Death by a thousand cuts Worry less about these competitors Worry about these emerging peers Unbundling of a bank
  12. 12. Technology Power of Disruptive Technology: Marketplace Lending as an example: Source: Clay Cristensen Disruptive Innovation Framework
  13. 13. Bank Response Source: The Pulse of Fintech, KMPG and CB Insights  Acquire o Investments into start-ups o BBVA acquired Helsinki-based Holvi  Partner o Citigroup partner with Lending club  Co-Opt o Barclays set-up incubator run by Techstars  Compete o Charles Schwab set-up own algo trading to compete with Wealthfront Bank Investments into VC-backed fintech start-ups
  14. 14. Global Fintech Financing Source: The Pulse of Fintech, KMPG and CB Insights Key Verticals: 1. Lending 2. Payments/Billing 3. Personal finance and asset management 4. Money transfer/remittance 5. Blockchain/bitcoin 6. Capital markets 7. Crowdfunding 8. Insurance
  15. 15. Global Largest Fintech Deals Source: The Pulse of Fintech, KMPG and CB Insights $7.7B $4.5B$1.5BTotal
  16. 16. 14 of Fintech Unicorns in Payments and Lending Source: The Pulse of Fintech, KMPG and CB Insights
  17. 17. 10 Largest European Fintech Rounds Source: The Pulse of Fintech, KMPG and CB Insights Top Cities London - 50 Deals/$744M Hamburg - 5 Deals/$110M Berlin – 10 Deals/$79M

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