This document provides an overview of key technologies in financial technology (fintech). It discusses digital transformation trends like customer centricity, open banking, ecosystems, distributed ledgers, robotics/AI, and the changing workforce. Cloud computing models like SaaS, PaaS, and IaaS are explained. Big data analytics using the four V's (volume, velocity, variety, veracity) to create value is covered. Blockchain technology is discussed as an example use case for trade finance through its characteristics of immutability, security, and provenance on decentralized networks.

1. Understanding Tech in FinTech

2. Acknowledgement
and Disclaimer
All the material in this deck is been prepared using resources published on public
domain by various subject matter experts, Technical and domain experts and visual
presentation experts. The deck is a collection of information published on
web/internet sites, blogs and informative portals and it is prepared purely for
educational awareness perspective with not for profit motive. I do not claim any copy
right or ownerships IP whatsoever for any of the slides.

3. Why the ‘Tech’ in the
‘FinTech’ is such a big
deal ?

5. • Digital Depth
• Customer Centricity
• Platform / Open Banking
• Ecosystems (Fintechs and Techfins)
• Beyond Banking
• Distributed Ledgers & The
Blockchain
• Robotics & AI
• Revised Financial Services
Workforce
• Service Externalization & Utility
Models
• Banking Regulation
Financial Services Megatrends

6. How the hell
does he know ?
He is a nerd.
Did he ever
work in a Bank?

7. Imagine the difference here.
Is it the People, Backend Systems and Technology platforms,
Age, Market Segment or the DNA ?

9. Who is the Customer – Virtual
What is Identity – abc@xyz.com
Where can you find him ?
How do you promote / advertise your business
What influences him to buy your goods/services
Oh wow ! He has decided to purchase your goods/service. How does he pay ?
How would you deliver your goods/services
What if he finds some issues with your goods/services ?
How do you interact with him to get his feedback on your goods/services.
How do you make him buy more from your?
How do you reward him for loyalty ?
How do you make him your brand ambassador ?
How do you find newer customers through existing ones ?
Every customer is going to be Digital Native eventually

10. All battles will be
fought in Digital
Universe.
Technology is your
chief weapon

11. And Your characteristics have to be

12. Digital
Customer
Engagement
Digital
Business
Operations
Digital
Business
Foundation
Digital Agility across organization is
required to be the DNA of FinTech
Digital
Customer
Journey

14. • Digitally networked things
humans and market place
• Departure from
Traditional IT
• Speed / Responsiveness
• Build capability to profit
from complex data
• Super Intelligent and
Fast decisions
Successful FinTech : Common Denominators
• Distributed, Super Secure,
Trustworthy transactions
with traceability

15. One who creatively
Multiplies each of these
to solve business problems
And the Leader
Among them is..

16. It is about creating new eco systems

17. The Common Denominators of the winners

18. New Matras of business

19. What is Cloud Computing

20. Decomposing the jargons…

22. Capex
(Capital Expenditure)
Opex
(Operational Expenditure)

23. Options and Models in Cloud
Computing

24. …finding its Application to the Industry

26. It is also the CEO’s Choice

27. CIOs are happy as well

28. CIOs are happy as well

29. What is Big Data Analytics, AI
and Machine Learning

30. Understanding the world of Data

33. Understanding the world of Data

34. Understanding the world of Data

35. What data we are talking about
Date / Time
Temperature
Public news
Social Media
Mobile
Market Research
Campaign Trails
Emails
Location data
Chats
Sensors
Clicks
Video viewing/Streaming
Video viewing - Pauses in Videos
Images
Media
Video Uploads
SYSTEMs
Customer ID/Aadhar
Public Identity
Employee Identity
Social Identity
Marketing data
CRM
Campaign
Supply Chain
Procurement
HR System
Billing
Sales
Accounting
Inventory Mgmt
Workflow processing
Core Systems
Data Warehouses
Four V’s lead to
the Fifth V - Value

36. Big Data Characteristics

37. Traditional data Journey v/s Big Data
Journey
Traditional
Data Journey
Was finite
Big Data
Journey is
Iterative

45. What is Blockchain

48. • Immutable
• On the network, but
no room for multiplicity
• Super Secure
• Provenance
• Trust

49. Trade Finance Use case for Blockchain

52. Q & A

53. Thank you
Presented by Niraj Vaidya
contact.nyruj@gmail.com
http://in.linkedin.com/in/nirajvaidya
https://twitter.com/n_y_r_u_j