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The next step (and this step will be not about “more money”, but about real evolution of fintech-movement to ecosystem) in fintech will belongs to new generation of “fintech-banks” (maybe, they will be totally separated from traditional banks), which will have Bank-as-service platforms as back-end, and neobanks as front-ends – to tailor all these services for final end-users in unique bundle and user experience.
From “toothbrushes” to ecosystem: we will see fintech-bank soon
2012 2013 2014 2015 2016 2017 2018
«Toothbrush» era Ecosystem creation
You perform just one function,
but better than anyone,
and when you are irreplaceable
and used every day.
Services are starting to partner
and merge with each other in
The casual customer wants to get a comfortable ecosystem of services with seamless integration allowing him/her
to easily use data from one service inside the other and enjoy the beneﬁts from their joint use.
to work together against the large banks
If we were to decompose a bank, there would be a ﬁntech company
that can substitute each service the bank provides.
If there is a fintech company for each service a bank provides,
do we really need banks?
but low margin
but expensive CPA
to customers needs
More data = lower credit risks
Fintech-startups started to make
Online-lending Online bank
Mobile bank Online-remittances
The largest fintech-companies started
diversification of their product line
PFM (personal ﬁnancial management)
Open APIs economy
External developers can extend platform functionality using APIs
Business model of
banks and insurance
companies do not
with new wave of tech
63 insanely useful APIs
across 12 segments
The BaaS structure
allows users to create
and consume value.
In the near future would
be possible to
build their own bank
through apps, APIs
From SaaS to BaaS
It’s basically cheaper and better paying for applications
as you use them, rather than buying them.
BaaS as back-end platform to host, launch
and scale any ﬁntech-startups.
Others need platform to expand.
successfully managed to expand
scaling to other marketsBaaS
Neo - and challenger banks as FRONT-END
of aggregation movement
Online-lending for students
World map of BaaS & neobanks
Based on Life.SREDA’s partnership and connections with
all players on the market and analysis of their strategic movements,
we predict the big changes that will happen in the industry in 2016.
NEXT STEP FINTECH-BANK
CEO at KANTOX:
The second wave of ﬁntech,
to come in two to ﬁve years’
time, will be «marketplace
banking» (or «ﬁntech banks»).
A core banking platform built from scratch;
An API layer to connect to third parties;
A compliance/KYC infrastructure and processes;
A banking license, to be independent from other
banks and the ability to hold client funds without
A customer base/CRM, meaning that the ﬁntech
bank will have the customers, and a customer
NEXT STEP FINTECH-BANK
Fintech-bank as a unique bundle
of independent ﬁntech-startups
based on neobanks
What FINTECH-BANK is?
based on open APIs
for Retail for SMEs
Telecom Retail Internet
Product-line of FINTECH-BANK
based on neobank
based on open
based on neobank
Where it will happen?
Blk 79, Ayer Rajah Crescent #05-08
e- mail: firstname.lastname@example.org
To know more about ﬁntech: