digital disruption: will fintechs change banking? - part1
TRANSCRIPT
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Digital Disruption:
Will fintechs change banking?
Νέλλη Τζάκου-Λαμπροπούλου
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2Retail Banking
Περιεχόμενα
Digital Disruption
The NBG strategic approach to Fintech
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Η επένδυση σε εταιρείες Fintech δεκαπλασιάστηκε μέσα στην
τελευταία 5ετία
338 459 610 772 871 1.108
Deals
20102012
20132014
2015
$1.8 δις$2.5 δις $3.1 δις
$4.5 δις$12.7 δις
$22.3 δις
2011
Πηγή: Citi and CB Insights
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Πρόσφατη έρευνα επιβεβαιώνει τα πιο δημοφιλή fintech προϊόντα
Source: EY
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Οι λόγοι που οι καταναλωτές στρέφονται προς αυτές τις προτάσεις
σχετίζονται με την ευκολία και τη χαμηλή τιμολόγηση
Source: EY
Easy to set up an account
More attractive rates/fees
Access to different products and
services
Better online experience and
functionality
Better quality of service
More innovative products than
available from traditional bank
Greater level of trust than the
traditional institutions
43.4%
15.4%
12.4%
11.4%
10.3%
5.5%
1.8%
1010101010101010101010101
0101010101010101010101010
101010101
010101010
1010101
0101010
101010
101010
10101
01010
101
010
1
0
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Source: Citi Digital Strategy
Tipping point in the West
Total Digital Disruption
Total Market Value
Total Digital Disruption
Total Market Value
Total Digital Disruption
Total Market Value
$850 bn $1,050 bn $1,200 bn
Current 2020 2023
90%
10%
83%
17%
98.9%
1.1%
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Digital Disruption | Tipping point
Retail Banking
Industry shakeout –
share shift of 44%
over a decade
Profits increased
(for winners)
30% decline in core
revenues
Source: Citi Digital Strategy
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Priorities for digital transformation
Source: EFMA-Infosys Finance Innovation Survey 2016
78%
31%
74%
63%
53%
48%
44%
68%
Creating a customer-centric organization
Empowering every stakeholder with actionable insights
Enhance channels to give an omnichanneldigital experience
Enhancing digital security
Pervasive automation to improve operational technologies
Renew back office to leverage new digital technologies
Building collaborative services ecosystem to improve differentiation
Maximising usage of digital technologies like mobile, social
Enhancing or re-designing products & services for the digital age
68%
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Impact of disruptive technologies on banking business models
Source: EFMA-Infosys Finance Innovation Survey 2016
Advanced analytics and big data
Open APIs
Artificial intelligence
Mobility and wearables
Blockchain/distributed ledger
Internet of things
Open source technologies
Public cloud
62%
59%
52%
48%
47%
38%
35%
27%
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How best to access disruptive technologies
High LowNeutral
Work in partnerships with
other banks
Work with traditional
technology suppliers
Work with firms from
other industries
Internal research &
development
Work with innovative
start-ups
14% 66% 31%
20% 64% 27%
42% 50% 20%
46% 46% 17%
73% 21% 8%
Source: EFMA-Infosys Finance Innovation Survey 2016
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Περιεχόμενα
Digital Disruption
The NBG strategic approach to Fintech
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20101ος διαγωνισμός
Καινοτομίας &
Τεχνολογίας
2016act4Greece |
NBG i-bank
#fintech
hackathon |
Be finnovative
accelerator |
i-fund
2015Εσωτερικός
διαγωνισμός
καινοτομίας i-dea
2014Ολοκληρωμένο
πρόγραμμα
στήριξης νεοφυούς
επιχειρηματικότητας
Πυλώνες στήριξης και προώθησης της καινοτομίας στην Εθνική
Καινοτομία στην Εθνική
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Στρατηγική συνεργασία με fintech: Crowdpolicy
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act4Greece
~600.000 επισκέψεις 3.275 δωρεές €887.000
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i-fund
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Πρώτο Fintech Crowdhachathon τον Απρίλιο του 2016
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Παροχή Open Bank API στους διαγωνιζόμενους για πρώτη φορά
από τραπεζικό ίδρυμα
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Πρώτη εμπειρία με hackathon
47 μέντορες – οι 17 από Εθνική
16 ομάδες σε 36 ώρες
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Fintech Accelerator: Be Finnovative
Innovation
Lab
Στήριξη
οικοσυστήματος
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Mentoring από Δίκτυο Υποστηρικτών & Open Bank API
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Υποδομή σε κεντρικά γραφεία της Λιανικής Τραπεζικής στην οδό
Πειραιώς
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Ολοκλήρωση διαδικασίας επιλογής
• chatbots για διενέργεια συναλλαγών και
πληρωμών
• Πρόβλεψη διακύμανσης μετοχών με
ανάλυση big data
• ηλεκτρονικά πορτοφόλια (mobile wallets)
• προσωπικός οικονομικός σύμβουλος (PFM)
• διαχείριση και παραγωγή digital assets για
creative industries με blockchain
• συστήματα εντοπισμού απάτης με χρήση
big data
Θεματικές ενότητες των ομάδων του 1ου κύκλου
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Οφέλη από τη συνεργασία με την Crowdpolicy
• Time-to-market
• Τεχνογνωσία / καινοτομία
• Ευελιξία