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FinTech Applications & Tools for Financial Health

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During my presentation in March in Kyiv, Ukraine, I shared global examples of FinTech tools and applications that can not only support greater financial inclusion but, more importantly, can address the overall financial health of customers and improve consumer protection.

Veröffentlicht in: Wirtschaft & Finanzen
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FinTech Applications & Tools for Financial Health

  1. 1. Kyiv March 2018 FinTech Applications & Tools for Financial Inclusion
  2. 2. 1 FinTech Solutions & Financial Inclusion Financial Inclusion Financial Health Access Usage Quality
  3. 3. 2 Financial Health
  4. 4. 3 Financial Health Tool: Juntos Global
  5. 5. 4 Financial Health Tool & Banks
  6. 6. 5 The Case of Banco Colombia’s Financial Advisor Emilia Emilia has held text conversations with more than 257,000 customers. Increase the active use of savings accounts Along with active usage, average balances have also grown Some Emilia conversations with Saving at Hand customers: Emilia: Saving is the sure way to advance towards your goals. Tell us what motivates you the most to maintain your goal of saving. Client: What motivates me is to take my family forward and keep fighting.
  7. 7. 6 Financial Health Tool: Arifu
  8. 8. 7 Arifu: Financial Literacy Training Tool
  9. 9. 8 Key Financial Service Access & Usage Issues Access & Usage Contingency Planning Buffer Savings Insurance Wealth Creation Long-Term Savings & Investment for Retirement Credit Business Loans Consumption Loans Emergency Loans Housing Loans
  10. 10. 9 FinTech Solutions: Personal Finance Tools Mint allows you to track your expenses, it allows you to set goals, or sign up for alerts if your spending in a particular category gets out of hand.
  11. 11. 10 FinTech Solutions To Address Access & Usage Issues: Loan Aggregator Tools
  12. 12. 11 FinChatBot: Holly – Reduces Call Center Costs – Multi-platform deployment – Natural human-like interaction – Flexible and tailor-made – Machine learning allows it to learn about the customer FinTech Solutions to Address Access & Usage Issues
  13. 13. 12 FinTech Solutions to Address Access & Usage Issues
  14. 14. 13 FinTech: Addressing Consumer Protection Proactively “Finance, fairness, and Facebook: use complaints to protect your bank” JoAnn Barefoot, Former Deputy Comptroller of the Currency
  15. 15. 14 RegTech: Philippine Consumer Protection Chatbot Source: R2A
  16. 16. 15 FinTech: Improving Quality of Financial Services, The Customer Perspective Customer –Solutions must be understandable and easy to implement. –Hassle-free solutions, with notifications delivered ideally via existing platforms –Data security must be an absolute priority, and highlighted to the customer. –Get a human to verify any complex financial situations. –Allow option to speak to a human for additional support.
  17. 17. 16 FinTech: Improving Quality of Financial Services, The Industry Perspective Financial Service Industry – New FinTech applications should be  Embraced by bank employees  Replace the diagnostic stage of financial advice  Provide the financial advisors with the right information they need – NO complicated interfaces – Employees could use to applications to accomplish certain functions. – New customers can come from new customer experience. – Personalized CRM data to customize services – Deal with questions before they become complaints.
  18. 18. 17 Thanks John Owens Senior Digital Financial Services Advisor johnvowens@me.com Follow me on Twitter at @jvowens