Spiff | Startup Day - Fintech + Open Banking The banking industry is up for disruption, or in the process of being disrupted as some might say. On May 22nd fintech-startups and incumbents met at Kulturhuset to discuss open banking and show examples of how new services will shake up the game.

1. Saving and investing
for the mobile generation
EASY - FUN - SOCIAL

2. What is Spiff?

3. PROBLEM
No easy way to save and invest
money for young people.
Social. Easy. Fun.
SOLUTION
Mobile saving and investing app
for mobile generation.
MISSION
Help people save money. Give people better tools.

4. SAVE TOGETHER
GIFT SAVING
SAVE FOR YOU
Spiff is social by nature
1
2
3
All your saving plans in one
place. Easy to setup, edit and
track.
Bring back the charm of
giving cash and send a
Golden Nut!
Spiff makes it super easy and
fun to save with friends and
family.

5. Spiff is a plattform

6. …that also will be present on other platforms

7. Value to user
Start investing
Easy and fun
One-stop shop
Keep your bank
Save together
Save and invest
money from one
place, at no
additional cost.
You control your
savings.LTV whole life
Spiff is the service, Banks are the vaults

8. Value to partner
Spiff is the service, Banks are the vaults
Savings accounts
Communication to users
Mortgages
Product dev. speed
Customer data
Partner increase revenue:
1. Customer acquisition
2. Quality customer data
3. Exciting product dev
+ 400 NOK +
00.00
+ 2 000 NOK +
00.00
500
01 Jan '17
NOK
Single amount: Rainy day
80025 Dec '16
NOK
Received: Golden Nut
30025 Dec '16
NOK
Received: Golden Nut
1 00025 Dec '16
NOK
Received: Golden Nut
-20025 Dec '16
NOK
Sent: Golden Nut
-20025 Dec '16
NOK
Sent: Golden Nut
-500
15 Dec '16
NOK
Single amount: Rainy day
Monthly: We're going...
-100
19 Dec '16
NOK
SENT: Golden Nut
Breadcrumb
Weekly Monthly Yearly
Pension

9. “EASY” STUFF
Build product
Create consumer brand
Get users into Spiff
..because we are in control ourselves

10. “HARD” STUFF
Integrating with financial institutions
Offering cheap and quick payments
Making customer on-boarding to partners user friendly
..because we are dependent on external processes

11. PSD2 will open up new possibilities for Spiff
As an Account Information Service Provider (AISP)
we can enable better saving habits by evaluating
your whole economic situation

12. API’s galore
Big Bank1
API
Joint API run by industry
API aggregators
Small
Bank
Big Bank2
API
Big Bank3
API
Small
Bank
Small
Bank

13. Will everyone want to be an AISP? 🤔

14. It is an ecosystem game

15. If you want to win, you need to open up
Starting point and short term:
Who has most traffic and users today?
Longer term:
Those that deliver the best user experience,
and most value added services

16. steve@getspiff.no

17. Download Spiff app now to get your early access