Fidor Bank Community and Mobile Banking in a digitized world · p. 1 Dr. Florian Moser @moseflo Mobey’s member meeting, Munich, 23.06.2016 Fidor Bank Community and Mobile Banking

p. 1

Dr. Florian Moser

@moseflo

Mobey’s member meeting, Munich, 23.06.2016

Fidor Bank

Community and Mobile Banking in a digitized world

p. 2 p. 2

Create value and revenue potentials

for the company

Build up relationships with potential

partners

Maintain & enhance those relations in the

interest of the company

Why digital banking at all?

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Regulation and Technology create powerful customers

Source: Smartfile Developers, 2013

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Digital channels on the rise and customers more and more

unprofitable and likely to switch Source: World Retal Banking

Index by Capgemini/EFMA

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…mobile is the new black

Source: Business Punk,

Orange, ImaGin Bank

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Banking becomes distributed

Personal Banking

SME Banking

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How Fidor Bank is integrating this trend into a business model

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Fidor Bank AG at a glance

fidorOS Break-even

2009 2010 2011 2012 2013 2014 2015

EU

Banking

license

Kick off Jan

2010

Fidor-UK

US-JV

First B2B-

customer

Fidor Smart

account

First portfolio

transactions Build-up of

API-customers

Profitability

User/KYC (k)

Deposits (EUR mn)

TRX (mn)

12/2

0

0

19/4

87

>0

69/5

78

>0

140/14

156

0,1

213/51

202

1,5

264/76

269

7,2

301/95

350

11,2

Launch

Fidor API

2008

Start

Community

381/130

425

3,3

2016*

*as per Q1/2016

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Banking mit Freunden!

INTEGRATIVE OPEN EFFICIENT CUSTOMER CENTRIC

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Customer centric + efficient banking requires knowing the

customer

Real-time 360° customer view

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But most important: Direct interaction with the customer via our community

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Peer to Peer Advisory Customers not just „like“ other comments and advises but say „cent you“ – world‘s fist frictionless P2P payment in a financial community

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The Fidor Community Karma – a data-driven „scoring“ of our customers‘ activity and loyalty in the community

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Deep integration with the Community

• Fidor offerings and 3rd Party Apps (integrated via API)

• Innovation inside like Ripple, P2P lending, e-Commerce shop, Crowdfinance etc.

Basic PFM

User created tutorial videos

Easy and intuitive navigation

Speed Banking, shown by „60 sec banking” icon

The Fidor Smart Account – an open market place for financial products

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And what about the technology?

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Fidor follows a 2-speed architecture + API first approach

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API allows for a endless variety of mobile front-ends and

use cases all built on one technology

Fidor iOS App O2 Banking App Fidor Widget White Label App

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Mobile only

Banking

- It is not only a fancy App

- 95% of the value happens in the

back-end

- It is more than Android vs. iOS

- It is not just mobile transactions

- It needs to follow mobile

principles like 1-click, real-time,

100% STP, gamification,

rewarding, MSISDN/E-Mail, P2P,

Push etc.

- Customer service is essential!

- It must be fun!

Or: why all this

effort with API

and 2speed

architecture –

just build me a

fancy app!

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…and who knows where the journey might end

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Thank you! #proudtobefidor