Presentatie Betalingscongres 2016 IDIN introductie

Digitale disruptie Identificatie

‣ Internet 25 jaar in Nederland

Disruptive Estonia

• `

Nederland….

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

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

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?

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

Gebruik je handen

Urthecast Earth HD streaming

Why Electric?

Amazing technology

Battery Cost

Electrische auto’s

Zoe 42kwh

Opel AmeraE-60kwh

60kwh

33kwh

Selfdriving cars

Cars parked 95% of the Time

Oost West Thuis Best

Presentatie Betalingscongres 2016 IDIN introductie

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Transcript of Presentatie Betalingscongres 2016 IDIN introductie