presentatie betalingscongres 2016 idin introductie
TRANSCRIPT
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Digitale disruptie Identificatie
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Digitale disruptie Identificatie
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‣ Internet 25 jaar in Nederland
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‣ Internet 25 jaar in Nederland
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‣ Internet 25 jaar in Nederland
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Disruptive Estonia
• `
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Disruptive Estonia
• `
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Disruptive Estonia
• `
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Disruptive Estonia
• `
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Nederland….
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Nederland….
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Nederland….
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Mobile first!
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Mobile first!
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Mobile first!
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Mobile first!
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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
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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.
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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”
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Websummit Fintech
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Websummit Fintech
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Startup REG Tech
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Startup REG Tech
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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
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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)
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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
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Oost West Thuis Best
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Oost West Thuis Best
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There are now different touchpoints between the consumer, merchant and issuer. It’s no longer just a card and a merchant
point of sale.
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• Einstein?
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• Einstein?
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• Einstein?
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• Einstein?
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• Einstein?
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• Einstein?
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Skype translator
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Skype translator
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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.
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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/
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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
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Zondagochtend, 8:30 uur
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Microsoft Hololens
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Microsoft Hololens
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Gebruik je handen
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Gebruik je handen
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Urthecast Earth HD streaming
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Urthecast Earth HD streaming
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\
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Why Electric?
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Amazing technology
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Battery Cost
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Electrische auto’s
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Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
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Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
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Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
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Selfdriving cars
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Cars parked 95% of the Time
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Cars parked 95% of the Time
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Oost West Thuis Best