O SlideShare utiliza cookies para otimizar a funcionalidade e o desempenho do site, assim como para apresentar publicidade mais relevante aos nossos usuários. Se você continuar a navegar o site, você aceita o uso de cookies. Leia nosso Contrato do Usuário e nossa Política de Privacidade.
O SlideShare utiliza cookies para otimizar a funcionalidade e o desempenho do site, assim como para apresentar publicidade mais relevante aos nossos usuários. Se você continuar a utilizar o site, você aceita o uso de cookies. Leia nossa Política de Privacidade e nosso Contrato do Usuário para obter mais detalhes.
A brief slideshare on our easy-to-read white paper highlighting the latest trends in fintech. Want to participate in discussions about blockchain technology, digital currency, digital identity, and more?
Image: Flickr user Sebastiaan ter Burg
• Digital Currencies
• Digital Identity
• Contactless Payments
• Wearable Payments
Image: Flickr user Simon Blackley
Blockchain is a secure transaction ledger
database. The ledger is decentralized, shared
by all participants. It is created on top of a
distributed network of computers.
Blockchain enables anonymous exchange of
The technology removes the need for a central
authority for trust verification and value
transfer. Being decentralized, it enables safe,
fast, cost effective transactions even though
parties may not know who they are dealing
Decentralized Apps will come in
different flavors, sizes and complexity
levels, so we must be prepared for
that variety, and we must see beyond
the Bitcoin promise to be the Internet
of money, and into the Blockchain’s
promise to become a new
• Digital currencies
• Crowd funding
• Smart agreements (automated agreement execution)
• Digital identity
• Decentralized communication
• Asset ownership
Digital currencies are created and stored
Virtual currencies are unregulated digital money. They
are issued and controlled by its developers and are
used by the members of a virtual community.
Crypto currencies are a subset of digital currencies,
using cryptography as part of their security.
Digital and crypto currencies are structured as a
They are created on top of blockchain
technology allowing parties to move value
digitally, securely and quickly in a decentralized
Bitcoin is the most known crypto currency, and
is a consensus network that enables a new
payment system, and a full scheme for digital
It is the first decentralized peer-to-peer
payment network, powered by its users and
having no central authority.
I think Bitcoin may very well be the
best form of money we've ever seen
in the history of civilization.
The Bitcoin network is based on blockchain
technology and uses the public ledger
Bitcoin ledger contains every transaction ever
processed, allowing a user's computer to verify
the validity of each transaction.
Digital Identity is the data that uniquely
describes a person / entity and contains
information about the subject’s relationship.
Technically it is a network used for identification
in connections or transactions from digital
The strength level of a digital identity given by
the registration and authentication processes.
Digital identity is based on:
• Identity Verification
• Personal Data
Identity is the new money for banks.
The bank should be the place where
you store your identity. You can store
your money anywhere.
Omni-channel is a synchronized customer
All channels are aligned in a single touch point
for the customer and present one consistent
way of doing business.
• Consistent services access across all channels;
• 360 degree view of every customers;
• Digital management of origination;
• Reengineer the way you listen: listen everywhere, at
once, and respond immediately;
• Increase understanding of customers with analytics
and take data driven decisions.
KEY ELEMENTS OF AN
For banks, it is an opportunity to
really understand the customer,
streamline systems and focus
attention on the most profitable.
Alison Wilkes, General Manager,
EMEA Banking Division, FIS
• Specialty branch
• Virtual banking
TOP OMNI-CHANNEL CONCEPTS
IN FINANCE INDUSTRY:
Contactless payment technology enables
payment transactions via a contactless chip
embedded in payment cards, tags, key fobs and
The chip communicates with a reader device
that uses radio frequency or Near Field
Communication (NFC) standards.
Near Field Communication (NFC) is a short-
range wireless (RF) communication technology
for smartphones and similar devices enabling
data transfer between the devices.
NFC operates for contactless payments in card
emulation mode, which enables devices to
function as contactless smart cards.
NFC payments appear to be beneficial for
financial institutions (card issuers and banks),
NFC in-store phone payments offer continuity
and improvement to their business models.
The core advantage with any contactless
smartphone transactions is the potential for
greater security, when payments are made with
phones featuring either built-in (via hardware or
software) or SIM-based tokenisation capability.
Image: Flickr user Sebastiaan ter Burg
Wearable describes electronic devices that can
be worn on the body. They can be found today
as intelligent fitness bands and smart watches,
or glasses, but are being extended into fashion
and jewelry as well.
Wearables enable contactless payment processes
through Near Field Communication (NFC). The
wearable device communicates directly to the
network through inbuilt connectivity or can use
Bluetooth to connect to the user’s phone to finalize
Host card emulation (HCE) technology is used when
it comes to the wearable device connecting to the
mobile for finalizing payment.
The future of payment is wearable.
Wearables are the new trend in the
field of internet-based devices.
Markus Braun, CEO of Wirecard AG
Image: Flickr user Olabi Makerspace
Deliver your next finance or ehealth application.
Maxcode is an IT service company building tailor made applications
for the European market. We focus on financial and healthcare
industries. Maxcode is located in The Netherlands with offices in
Romania, and the Republic of Moldova. We are a modern company
and a reliable partner for our customers and employees.
2514 AB Den Haag / The Hague
The materials in this document may contain inaccuracies or typographical errors.
Maxcode does not warrant the accuracy, reliability or completeness of the
materials, advices, opinions, statements or any other information displayed or
distributed in this document. All information in this document is provided “as
is” and “as available”, and shall not be binding nor shall it be construed as
constituting any obligation, representation or warranty on the part of Maxcode.
You acknowledge that any reliance on any information in this document shall be
at your sole risk. Maxcode mentions others, their products and ideas as a
convenience to you. Those others, products and ideas are not under the control
of Maxcode. Accordingly, Maxcode makes no representation or warranty in
relation to others, their products, or ideas, other than simply listing them as
relevant for your consideration. By listing them, Maxcode is not endorsing or
recommending them to you.