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FinTech in
Austria and Internationally
OeNB September 2016
2 | 12/09/2016
The view of OeNB?
Source: ÖNB
3 | 12/09/2016
Table of contents
Who we are1
3
Requirements and Challenges in FinTech2
4
Investments and Markets – International vs Austria
5
Current FinTech Trends
Regulation – Best Practices6
FinTech Partnership Scenarios
Glossary – FinTech Terms7
4 | 12/09/2016
Requirements and Challenges in FinTech
Business
Model
Customer
Focus
SolvencyFlexibility
Attracting
Talent
Uncertainty of
Regulations
Difficulties to partner
up with Banks
Difficulties to attract
Large Customers
Challenge
Challenge
Challenge
Challenge
5 | 12/09/2016
Overall Investment per Geography, 2011-2015
$ 2,4 $ 2,8 $ 3,9
$ 12,2
$ 19,1
457
607
759
933
1162
0
500
1000
1500
$ ,
$ 5,
$ 10,
$ 15,
$ 20,
$ 25,
2011 2012 2013 2014 2015
Fintech Investment (Billion USD) Number of Deals
Annual Global FinTech Total Investments
Annual North America FinTech VC Investments Annual Europe FinTech VC Investments
Top FinTech VC Funds - North America Top FinTech VC Funds - Europe
$ 1,6 $ 1,8 $ 2,2
$ 4,4
$ 7,7
237
271
328 355 378
0
100
200
300
400
$ ,
$ 1,
$ 2,
$ 3,
$ 4,
$ 5,
$ 6,
$ 7,
$ 8,
2011 2012 2013 2014 2015
Fintech Investment (Billion USD) Number of Deals
$ 0,4 $ 0,3 $ 0,3 $ 1,1
$ 1,5
35 70 70 96 125
0
100
200
300
400
$ 0,
$ 1,
$ 2,
$ 3,
$ 4,
$ 5,
$ 6,
$ 7,
$ 8,
2011 2012 2013 2014 2015
Fintech Investment (Billion USD) Number of Deals
Source: CB Insight, KMPG
2020
+54.8% CAGR
2016-2020
6 | 12/09/2016
100%
14% < 9%
$ 0,
$ 50,
$ 100,
$ 150,
Germany Switzerland Austria
FinTech - Growth Area for Austria
Source: Sonovate, Statista.de
Wealth Management Platforms New Payment Services Investment Platforms Online Financial Advisors
vAustrian’s FinTech Start-Up Growth Areas
1.
2.
3.
4.
Berlin (Germany)
Zürich (Switzerland)
Frankfurt (Germany)
Vienna (Austria)
TOP FinTech Hubs - DACH Region FinTech Transaction Value 2016 (Billion USD)
Historical gate to CEE banking region Governmental Start-Up Program
Not fully discovered FinTech MarketSuitable potential legacy partners
vSome Benefits for FinTechs in Austria
7 | 12/09/2016
v
FinTech’s trends are changing fast and are widespread
“95% of banks believe to lose
business to Fintechs”
“25% of banks keep on ignoring
FinTech partnerships”
Banks FinTech
Consumer Banking
Fund transfer & payments
Wealth Management
SME Banking
1.
2.
3.
4.
Current Situation of Banks
Biggest FinTech Trends
Financial Chatbot
Adviser (A.I.), Robo Adv.
Peer-to-Peer
Lending/Insurance
Quick Adaption
of Blockchain
New
Payment Players
Real Estate
Crowdfunding
Expanding
Alternative Banking
Importance of
Cyber Currencies
Utilisation of
Big Data
Most disrupted sectors by FinTech until 2020
Source: PwC Global FinTech Survey 2016, i5invest
8 | 12/09/2016
v
Partnerships will be key in the future of BFSI
Non-/ and FinTech Start-Ups Large Banks and FinTechs Large Banks and Tech-Players
Information Technology is taking an ever more important part in the financial industry.
Partnerships are therefore needed because
Differences in
Management & Culture
Differences in
Operational Processes
Regulatory
Uncertainty
IT Security
Bank’s biggest reservations regarding FinTech Partnerships
Source: PwC Global FinTech Survey 2016, i5invest
1. 2. 3. 4.
Customers get
more digitalized
FinTechs only focus on one
part of the supply chain
Partnerships are therefore needed between
Cost reduction and
higher efficiency
“Enables n26’s customers to
transfer money abroad in
different currencies”
“Enables myGeorge users
to predict their future
account balance”
“Provides Barclays’ customers
with new mobile commerce
and payments solutions”
The IT and Finance
markets are broad
9 | 12/09/2016
Regulation approaches in other countries
10 | 12/09/2016
How to ensure a safe regulative environment
Direct communication between regulators and fintechs.
Offer fast and transparent regulatory review of potential new fintech products or services.
Create a support system or kit to help fintech startups meet regulatory requirements.
Roll out consumer awareness initiatives to increase demand.
Encourage traditional financial institutions to invest in or partner with fintech startups — preferably
non-exclusively.
1.
2.
3.
4.
5.
FMA FinTech
Regulation
www.i5invest.com
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FinTech in Austria and Internationally

  • 1. www.i5invest.com FinTech in Austria and Internationally OeNB September 2016
  • 2. 2 | 12/09/2016 The view of OeNB? Source: ÖNB
  • 3. 3 | 12/09/2016 Table of contents Who we are1 3 Requirements and Challenges in FinTech2 4 Investments and Markets – International vs Austria 5 Current FinTech Trends Regulation – Best Practices6 FinTech Partnership Scenarios Glossary – FinTech Terms7
  • 4. 4 | 12/09/2016 Requirements and Challenges in FinTech Business Model Customer Focus SolvencyFlexibility Attracting Talent Uncertainty of Regulations Difficulties to partner up with Banks Difficulties to attract Large Customers Challenge Challenge Challenge Challenge
  • 5. 5 | 12/09/2016 Overall Investment per Geography, 2011-2015 $ 2,4 $ 2,8 $ 3,9 $ 12,2 $ 19,1 457 607 759 933 1162 0 500 1000 1500 $ , $ 5, $ 10, $ 15, $ 20, $ 25, 2011 2012 2013 2014 2015 Fintech Investment (Billion USD) Number of Deals Annual Global FinTech Total Investments Annual North America FinTech VC Investments Annual Europe FinTech VC Investments Top FinTech VC Funds - North America Top FinTech VC Funds - Europe $ 1,6 $ 1,8 $ 2,2 $ 4,4 $ 7,7 237 271 328 355 378 0 100 200 300 400 $ , $ 1, $ 2, $ 3, $ 4, $ 5, $ 6, $ 7, $ 8, 2011 2012 2013 2014 2015 Fintech Investment (Billion USD) Number of Deals $ 0,4 $ 0,3 $ 0,3 $ 1,1 $ 1,5 35 70 70 96 125 0 100 200 300 400 $ 0, $ 1, $ 2, $ 3, $ 4, $ 5, $ 6, $ 7, $ 8, 2011 2012 2013 2014 2015 Fintech Investment (Billion USD) Number of Deals Source: CB Insight, KMPG 2020 +54.8% CAGR 2016-2020
  • 6. 6 | 12/09/2016 100% 14% < 9% $ 0, $ 50, $ 100, $ 150, Germany Switzerland Austria FinTech - Growth Area for Austria Source: Sonovate, Statista.de Wealth Management Platforms New Payment Services Investment Platforms Online Financial Advisors vAustrian’s FinTech Start-Up Growth Areas 1. 2. 3. 4. Berlin (Germany) Zürich (Switzerland) Frankfurt (Germany) Vienna (Austria) TOP FinTech Hubs - DACH Region FinTech Transaction Value 2016 (Billion USD) Historical gate to CEE banking region Governmental Start-Up Program Not fully discovered FinTech MarketSuitable potential legacy partners vSome Benefits for FinTechs in Austria
  • 7. 7 | 12/09/2016 v FinTech’s trends are changing fast and are widespread “95% of banks believe to lose business to Fintechs” “25% of banks keep on ignoring FinTech partnerships” Banks FinTech Consumer Banking Fund transfer & payments Wealth Management SME Banking 1. 2. 3. 4. Current Situation of Banks Biggest FinTech Trends Financial Chatbot Adviser (A.I.), Robo Adv. Peer-to-Peer Lending/Insurance Quick Adaption of Blockchain New Payment Players Real Estate Crowdfunding Expanding Alternative Banking Importance of Cyber Currencies Utilisation of Big Data Most disrupted sectors by FinTech until 2020 Source: PwC Global FinTech Survey 2016, i5invest
  • 8. 8 | 12/09/2016 v Partnerships will be key in the future of BFSI Non-/ and FinTech Start-Ups Large Banks and FinTechs Large Banks and Tech-Players Information Technology is taking an ever more important part in the financial industry. Partnerships are therefore needed because Differences in Management & Culture Differences in Operational Processes Regulatory Uncertainty IT Security Bank’s biggest reservations regarding FinTech Partnerships Source: PwC Global FinTech Survey 2016, i5invest 1. 2. 3. 4. Customers get more digitalized FinTechs only focus on one part of the supply chain Partnerships are therefore needed between Cost reduction and higher efficiency “Enables n26’s customers to transfer money abroad in different currencies” “Enables myGeorge users to predict their future account balance” “Provides Barclays’ customers with new mobile commerce and payments solutions” The IT and Finance markets are broad
  • 9. 9 | 12/09/2016 Regulation approaches in other countries
  • 10. 10 | 12/09/2016 How to ensure a safe regulative environment Direct communication between regulators and fintechs. Offer fast and transparent regulatory review of potential new fintech products or services. Create a support system or kit to help fintech startups meet regulatory requirements. Roll out consumer awareness initiatives to increase demand. Encourage traditional financial institutions to invest in or partner with fintech startups — preferably non-exclusively. 1. 2. 3. 4. 5. FMA FinTech Regulation