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The Fidor Bank Story
- Banking with friends
Frank Schwab, CEO
ABTEC
April 2014
Financial crisis 2009
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Lost of trust in banks
Trust
100
0
2004 2014
Bahrain, Feb 2011
Source: Wikimedia Co
New York, USA, October 2011
Source: Wikimedia Commons
Frankfurt, Germany, October 2011
Source: Wikimedia Commons
Number of US banks
Source: FDIC
1990 20112000
16,000
8,000
Number of German banks
Source: Deutsche Bundesbank
1990 20112000
0
2,000
4,500
Source: Deutsche Bundesbank
1995 20112003
Number of German bank branches
0
40,000
70,000
There is a need to
change the relationship
between customer and banks
Disruptive innovation
Wikipedia
is an innovation that helps
create a new market
If I had asked people what
they wanted, they would
have said faster horses.
“The future is
always here
- it’s just not evenly
distributed yet.”
William Gibson, Fiction Novelist
Digital Natives
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Socialstatus
Orientation
HighLow
Internet
distant
unsettled
27%
Internet
Layman
12%	
  
	
  
Responsible
established 10%
Skeptic
10%
Carefree
Hedonist 12%
Efficiency
Oriented
Performer
14%
Digital
Sovereign
15%
Source: Sinus 2011
Outsiders
Traditional Modern
Immigrants Natives
Digital
lifestyle
And banking?
Trust
Loans
Transformation
Investments
Payments
Customer
Trust
Loans
Transformation
Investments
Payments
Customer
Banking with friends
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Community
Transparency
Sharing
Rate bank advisors
Rate products
Raise & answer questions
Get money for
250,000
CpC < 20 €
Trust
Loans
Transformation
Investments
Payments
Customer
Emergency money
Peer to peer loan via SMAVA
Trust
Loans
Transformation
Investments
Payments
Customer
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Trust
Loans
Transformation
Investments
Payments
Customer
Email
Twitter
Mobile number
Real time
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
And next?
The Fidor Bank Story, Frank Schwab, Fidor TecS AG
Context
BankingNext
Do you want to buy
a new B&O TV set?
We can help you.
18 €
53 €
17 €
Source: Google
Technology?
The need for
new Banking
IT Platforms
Google
Apple
IT Intensity
IT cost per user
200
Tier 1/2 Bank Google
3,4
Facebook
3,8
eBay
7,4
[in USD p.a.]
# Web APIs
2000 2005 2014
>10,000
0
programmable web
There are already 451 financial APIs
CBS Country 1
Community PaymentsAccount
FrontEnd
Web /
Mobile
Product-
Features
Core-
Module/s
FidorOS
CORE
Interface to
Core Banking
Country-specific
Core Banking
System
LAYERS
CBS Country 2 CBS Country n
MiddleWareBackEnd
RESTfulAPIs
Fidor Operating System (fOS) is API based,
modular, future-proof and free of legacy
Technology
HTML5 /
Native iOS,
Android
Ruby/
Ruby on
Rails/
MySQL
MQ Series
CBS specific
Bonus Third party
Third party apps / in account apps
General Admin
Core
Activities
Security
Fidor OS
Transaction
Authorisation
Customer
Booking
...
FidorOS on top
of local CBS
Fidor TecS AG
The FUTURE is NOW!
„The Fidor Smart Account kills the
traditional bank account, like the
smartphone killed the mobile phone“.
Matthias Kröner, CEO Fidor Bank Group
Schwab@Fidor.de

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