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FinTech Forum D A CH 
November 22nd 2013 
Frankfurt am Main, Germany 
www.FinTechForum.de
"Stocks have 
reached what looks 
like a permanently 
high plateau.“ 
Irving Fisher, 
Professor of Economics, 
Yale University, 1929
Dow Jones Industrial Average (1900 to Present) 
Source: StockCharts.com
"There is no reason 
anyone would want 
a computer 
in their home.“ 
Ken Olson, 
president, chairman and founder of 
Digital Equipment Corp., 1977
“A computer in every home.” 
Bill Gates as a teenager
Sir Winston Leonard Spencer-Churchill 
It is difficult to make 
predictions, 
especially about the 
future
“We need banking, 
no banks” 
(1999)
Number of US Banks 
1990 2000 2011 
Source: FDIC 
16,000 
8;000
Number of German Banks 
1990 2000 2011 
Source: Deutsche Bundesbank 
4,500 
2,000 
0
Mega trends in Banking 
Consolidation
Regulation 
Basel II 
Basel III 
SolvV 
MiFID I 
MiFID II 
Dodd Frank 
AML SOX 
Basel I 
FATCA 
SEPA
Mega trends in Banking 
Increase of 
regulatory requirements 
Consolidation
Digital Natives
Smartphones are used always and everywhere 
Listen to 
music 
72% Watching TV 
Playing 
Video Games 
Reading 
books 
Reading 
newspapers 
Internet 
Source: Market Simplified
Mega trends in Banking 
Increase of 
regulatory requirements 
Changing 
customer behaviour 
Consolidation
000100 IDENTIFICATION DIVISION. 
000200 PROGRAM-ID. HELLOWORLD. 
000300 
000400* 
000500 ENVIRONMENT DIVISION. 
000600 CONFIGURATION SECTION. 
000700 SOURCE-COMPUTER. RM-COBOL. 
000800 OBJECT-COMPUTER. RM-COBOL. 
000900 
001000 DATA DIVISION. 
001100 FILE SECTION. 
001200 
100000 PROCEDURE "Hello DIVISION. 
world!" 
100100 
100200 MAIN-LOGIC SECTION. 
100300 BEGIN. 
100400 DISPLAY " " LINE 1 POSITION 1 ERASE 
EOS. 
100500 DISPLAY "Hello world!" LINE 15 POSITION 
10. 
100600 STOP RUN. 
100700 MAIN-LOGIC-EXIT. 
100800 EXIT.
IBM Mainframe 
AIX Server Server Farm Any technology 
of each and every decade 
Sun Server 
Tandem 
Intel blade 
Thin clients 
Fat clients
Current 
CBS transformations 
often introduce 
old technology
Banks keep the 
status quo
Mega trends in Banking 
Increase of 
regulatory requirements 
Changing 
customer behaviour 
Legacy technology Consolidation
Traditional Banks
“The future is always 
here 
- it’s just not evenly 
distributed yet.” 
- William Gibson, Fiction Novelist
Attacker
FinTech Startups D-A-CH Study 
n = 100
Financial centres like Frankfurt, Munich 
and Zürich make a strong appearance 
25 
20 
15 
10 
5 
0 
Split by Location Clusters
For a lending- and risk-averse region, 
relatively high number of crowdfunding/ 
crowdinvesting, lending and trading sites 
Split by FinTech Type 
0 5 10 15 20 25 
Security 
Personal Financial 
Payments 
Data Analytics 
Crowdfunding/Crowdinvesting 
Capital Markets/Trading 
Banking & Corporate Finance
About 10 % SMEs 
0 10 20 30 40 50 
51 to 200 
11 to 50 
1 to 10 
Split by Size (No. of Staff)
A jump in the number of startups founded 
just after 2008-09 
25 
20 
15 
10 
5 
0 
Split by Year Founded 
Older Y-2008 Y-2009 Y-2010 Y-2011 Y-2012 Y-2013
Agenda 
10:00 – 10:30 Registration 
10:30 – 10:50 Keynote 
10:50 – 12:30 7 Minutes Presentations 
12:30 – 13:30 Lunch Buffet & Networking 
13:30 – 14:30 Roundtable Discussion 
14:30 – 15:30 Coffee break & Networking 
15:30 – 17:00 7 Minutes Presentations
7 Minutes Presentations 
Daniel Schäfer United Signals 
Christopher Kampshoff Lendstar 
Johannes Cremer moneymeets 
Andreas Kern wikifolio 
Ismail Chaib Open Bank Project 
Timur Peters Debitos 
Roger Fromm Investory 
Michael Mellinghoff Sharewise 
Erik Bogaerts Naqoda 
Dominique Riedl justETF 
Michael Klein FINPOINT 
Dr. Levin Brunner mashup finance 
Thomas Kirst moneygarden 
Stefan Seedorf synchronite 
Daniel Horak CONDA
Sponsors 
http://www.keacompany.com 
http://www.BankITX.com
Frank.Schwab@FinTechForum.de

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FinTech Forum DACH Keynote Frank Schwab

  • 1. FinTech Forum D A CH November 22nd 2013 Frankfurt am Main, Germany www.FinTechForum.de
  • 2. "Stocks have reached what looks like a permanently high plateau.“ Irving Fisher, Professor of Economics, Yale University, 1929
  • 3. Dow Jones Industrial Average (1900 to Present) Source: StockCharts.com
  • 4. "There is no reason anyone would want a computer in their home.“ Ken Olson, president, chairman and founder of Digital Equipment Corp., 1977
  • 5. “A computer in every home.” Bill Gates as a teenager
  • 6. Sir Winston Leonard Spencer-Churchill It is difficult to make predictions, especially about the future
  • 7. “We need banking, no banks” (1999)
  • 8. Number of US Banks 1990 2000 2011 Source: FDIC 16,000 8;000
  • 9. Number of German Banks 1990 2000 2011 Source: Deutsche Bundesbank 4,500 2,000 0
  • 10. Mega trends in Banking Consolidation
  • 11. Regulation Basel II Basel III SolvV MiFID I MiFID II Dodd Frank AML SOX Basel I FATCA SEPA
  • 12. Mega trends in Banking Increase of regulatory requirements Consolidation
  • 14. Smartphones are used always and everywhere Listen to music 72% Watching TV Playing Video Games Reading books Reading newspapers Internet Source: Market Simplified
  • 15.
  • 16. Mega trends in Banking Increase of regulatory requirements Changing customer behaviour Consolidation
  • 17. 000100 IDENTIFICATION DIVISION. 000200 PROGRAM-ID. HELLOWORLD. 000300 000400* 000500 ENVIRONMENT DIVISION. 000600 CONFIGURATION SECTION. 000700 SOURCE-COMPUTER. RM-COBOL. 000800 OBJECT-COMPUTER. RM-COBOL. 000900 001000 DATA DIVISION. 001100 FILE SECTION. 001200 100000 PROCEDURE "Hello DIVISION. world!" 100100 100200 MAIN-LOGIC SECTION. 100300 BEGIN. 100400 DISPLAY " " LINE 1 POSITION 1 ERASE EOS. 100500 DISPLAY "Hello world!" LINE 15 POSITION 10. 100600 STOP RUN. 100700 MAIN-LOGIC-EXIT. 100800 EXIT.
  • 18. IBM Mainframe AIX Server Server Farm Any technology of each and every decade Sun Server Tandem Intel blade Thin clients Fat clients
  • 19.
  • 20.
  • 21. Current CBS transformations often introduce old technology
  • 22. Banks keep the status quo
  • 23.
  • 24. Mega trends in Banking Increase of regulatory requirements Changing customer behaviour Legacy technology Consolidation
  • 26. “The future is always here - it’s just not evenly distributed yet.” - William Gibson, Fiction Novelist
  • 28. FinTech Startups D-A-CH Study n = 100
  • 29.
  • 30. Financial centres like Frankfurt, Munich and Zürich make a strong appearance 25 20 15 10 5 0 Split by Location Clusters
  • 31. For a lending- and risk-averse region, relatively high number of crowdfunding/ crowdinvesting, lending and trading sites Split by FinTech Type 0 5 10 15 20 25 Security Personal Financial Payments Data Analytics Crowdfunding/Crowdinvesting Capital Markets/Trading Banking & Corporate Finance
  • 32. About 10 % SMEs 0 10 20 30 40 50 51 to 200 11 to 50 1 to 10 Split by Size (No. of Staff)
  • 33. A jump in the number of startups founded just after 2008-09 25 20 15 10 5 0 Split by Year Founded Older Y-2008 Y-2009 Y-2010 Y-2011 Y-2012 Y-2013
  • 34. Agenda 10:00 – 10:30 Registration 10:30 – 10:50 Keynote 10:50 – 12:30 7 Minutes Presentations 12:30 – 13:30 Lunch Buffet & Networking 13:30 – 14:30 Roundtable Discussion 14:30 – 15:30 Coffee break & Networking 15:30 – 17:00 7 Minutes Presentations
  • 35. 7 Minutes Presentations Daniel Schäfer United Signals Christopher Kampshoff Lendstar Johannes Cremer moneymeets Andreas Kern wikifolio Ismail Chaib Open Bank Project Timur Peters Debitos Roger Fromm Investory Michael Mellinghoff Sharewise Erik Bogaerts Naqoda Dominique Riedl justETF Michael Klein FINPOINT Dr. Levin Brunner mashup finance Thomas Kirst moneygarden Stefan Seedorf synchronite Daniel Horak CONDA