10×6 Fintech: un nouveau pilier? Jean Diederich, Kurt Salmon

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0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

21 October 2015 | Jean Diederich, Partner Kurt Salmon | Tramsschapp106 Fintech: a new pillar ?

Understanding the Fintech POWER shifts

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Update on global Fintech @ Innotribe /SIBOS in SingaporeSources: SIBOS / Innotribe / Brett King

Fintech is changing finance?

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintechs Platform Business replaces Traditional BanksSource: Jean DiederichFinancial Services CustomersFintechPlatformBusinessPlatform start-ups allow Customersto create and consume value1

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintechs Platform Business replaces traditional BanksSource: Jean DiederichFinancial Services CustomersFintechPlatformBusinessPlatform owns the CustomerPOWER1

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech disrupt banks through Fintech PlatformsSource: Jean DiederichFinancial Services CustomersBanks

BankSuppliersFintechPlatformBusinessBanks and/orSuppliers

Banks create valueand sell it to Users

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0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech disrupt banks through Fintech PlatformsSource: Jean DiederichFinancial Services CustomersBanks

BankSuppliersFintechPlatformBusinessBanks and/orSuppliersPOWERPOWER

shift

POWER shift like in other industries e-payments, forex, funding, music, hotels.

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0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech innovation through APIsSource: Jean DiederichFinancial Services CustomersBankSuppliersBanks

BankSuppliersDisintermediatorsand API PlatformsThe PSD2 will force Banks to open up for APIs through access-to-accounts, creation of Bank APPsBanks

2API

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech innovation through APIsSource: Jean DiederichFinancial Services CustomersBankSuppliersBanks

BankSuppliersDisintermediatorsand API PlatformsFintechPlatformBusinessPOWERBanks and/orSuppliersPOWERBanks

POWER12APIAPI

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech and the Blockchain general ledger?Source: Jean DiederichFinancial Services Customers (Geeks)FinTechBlockchainPlatforms(distributed)Moving from a new form of virtualcurrencies to a distributed general ledger3

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech and the Blockchain general ledger?Source: Jean DiederichFinancial Services Customers (Geeks)FinTechBlockchainPlatformsGeeks own and run the businessthrough the internetPOWER3

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Understanding the different Fintech domainsSource: Jean DiederichFinancial Services CustomersBankSuppliersBanks

BankSuppliersDisintermediatorsand API PlatformsFinTechPlatformBusinessFinTechBlockchainPlatformsBanks and/orSuppliersPOWERPOWERPOWERBanks

POWER123DISTRIBUTEDAPIAPI

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech and Bankers thinking about using the Blockchain in B2B?Source: Jean DiederichFinancial Services CustomersBankSuppliersBankSuppliersFinTechBlockchainPlatformsFor banks, attackis probably the bestform of defence!

Distributed trans-action settlementand clearing (B2B)4DISTRIBUTED

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Fintech and the future Digital Banks on Blockchain?Source: Jean DiederichFinancial Services CustomersFinTechBlockchainPlatformsDigital Bankson BlockchainDigital walletsSmart contractsSmart propertyDigital asset proofInternet of Things5DISTRIBUTED

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Its better to own the disruption than to be eaten by itChris SkinnerFintech cannibalisation of traditional BanksSource: Chris Skinner

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #

Kurt Salmon is a global management consulting firm dedicated to building the market leaders of tomorrow.More than just partnering with our clients, we ally with them, integrating ourselves seamlessly into their organisations in order to develop innovative, customised solutions for their 21st-century business issues.Succeeding in todays increasingly complex, consumer-driven environment is an enormous challenge. But companies need to look beyond today; they need to position themselves for continued success in the even more uncertain future. Thats where Kurt Salmon comes in.We call it delivering success for whats next. The results are transformative.www.kurtsalmon.comJean DIEDERICHPartner EUA & Digital

T +352 26 37 74 1F +352 26 37 74 982M +352661322 351jean.diederich@kurtsalmon.com

0.000.100.102.050.450.550.352.944.724.72PaperJam Business Club 106 on Fintech:, a new pillar ? | Kurt Salmon | #