Digitale disruptie Identificatie

Digitale disruptie Identificatie

‣ Internet 25 jaar in Nederland

‣ Internet 25 jaar in Nederland

‣ Internet 25 jaar in Nederland

Disruptive Estonia

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Disruptive Estonia

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Disruptive Estonia

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Disruptive Estonia

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1

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Nederland….

Nederland….

Nederland….

Mobile first!

Mobile first!

Mobile first!

Mobile first!

Apple has changed mobile payments with sheer brilliance.

Apple solved a difficult challenge —how to deliver a great customer experience and converged the experience of digital e-commerce and mobile commerce.

Apple has taken technology that has been around for years — such as tokenization and NFC — and made it new again.

It was 15 years for debit cards or ATMs to be adopted, and in a year Apple got banks and payment networks to collaborate

Big Tech!

Google announced this morning two strategic partnerships with Visa and MasterCard aimed at expanding the reach of its

mobile payments service, Android Pay.

companies are realizing they need to

go through banks instead of trying to go

around banks

“In the early days of Finovate, we saw more presenters trying to

disrupt the banking model and go around banks,” says Greg Palmer, the vice president of Finovate and

host of FinovateFall 2016. Back then, they were dreaming up

personal financial management (PFM) tools. “Now, companies are realizing they need to go through

banks”

Websummit Fintech

Websummit Fintech

Startup REG Tech

Startup REG Tech

Executives may be overestimating the success of non-traditional firms in delivering better customer experiences For example, executives

overwhelmingly believe FinTechs are doing a better job of providing transparency (37.8%) compared to traditional firms (12.2%). Customers,

however, view traditional firms as doing better. Source: World Fintech Report 2017

Trends:

• Lack of megadeals in North America, Asia closed some megadeals in Q1-2016

• Decline in payment tech investment activity • Asia dominates lending tech investment activity, but for how

long? • The rise of insurtech • Blockchain investments are gaining momentum

The Pulse of Fintech KPMG (Q2-2016)

FINTECH VS BIGTECH & PLATFORMIFICATION

BigTech firms, such as social media, e-commerce, and

telecommunications companies, represent a potentially even bigger

disruptive force in financial services since they have superior data processing

capabilities and none of the challenges FinTechs have in winning over customer trust

Oost West Thuis Best

Oost West Thuis Best

There are now different touchpoints between the consumer, merchant and issuer. It’s no longer just a card and a merchant

point of sale.

• Einstein?

• Einstein?

• Einstein?

• Einstein?

• Einstein?

• Einstein?

Skype translator

Skype translator

Earlier this year, chatbots were barely a blip on the tech world's radar. Then, at Facebook's F8 developer conference in April 2016, the company announced that its Messenger app would soon feature chatbots from brands including CNN and 1-800-Flowers. Seemingly overnight, chatbots became the "next big thing" in tech and the object of endless media

coverage.

The top trend at this year’s Finovate: Chatbots for bank customers, with pseudohumans texting, emailing and

conversing and answering your questions

https://kore.com/finovate-landing/

Why  Most  Banks  Should  Not  (Yet)  Roll  Out  Bots  (research  by  Forrester,  published  August  31,  2016)  

Today’s  bots  o;en  lead  to  uneven  —  or  worse  —  experiences  for  customers.        Money  is  an  area  where  the  stakes  are  high  —  and  people  are  less  forgiving.      Bots  and  other  AI  services  will  improve  —  but  banks  won’t  drive  this  evoluIon.          Given  these  circumstances,  most  banks  outside  China  will  not  gain  from  invesEng  in  bots  on  third-­‐party  plaGorms  in  the  near  term.  

Bots  Aren't  Ready  To  Be  Bankers  

Zondagochtend, 8:30 uur

Microsoft Hololens

Microsoft Hololens

Gebruik je handen

Gebruik je handen

Urthecast Earth HD streaming

Urthecast Earth HD streaming

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Why Electric?

Amazing technology

Battery Cost

Electrische auto’s

Zoe 42kwh

Opel AmeraE-60kwh

60kwh

33kwh

Zoe 42kwh

Opel AmeraE-60kwh

60kwh

33kwh

Zoe 42kwh

Opel AmeraE-60kwh

60kwh

33kwh

Selfdriving cars

Cars parked 95% of the Time

Cars parked 95% of the Time

Oost West Thuis Best