Holvi arctic 15

Mikko Teerenhovi

The design of a disruptive banking service

believed they'll be able to live a bank-free existence in the future.

would be more excited about a new offering in financial services from Google, Amazon, Apple…

don’t think their bank offers anything different than other banks.

Banking is at the highest risk of disruption

1 in 3 73% 53%

Who needs new banking solutions?

Who needs new banking solutions?

The things you want to do. !

vs. !

The things you need to do.

The things you need to do.

@holvi

Building it.

@holvi

@holvi

KYCRisk

Reconciliation

AUP

FSA

@holvi

Own infra

@holvi

Building trust.

@holvi

@holvi

Real people.

Details.

1 1 0 0 0

24%

14%

10%

0%

VAT % 240

@holvi

@holvi

Regulation.

It works.

@holvi

Thank you!