Sophie Guibaud - Fidor

It is all about what customers want

Fidor Bank AG

Sophie GUIBAUD – European Expansion

// THE INSPIRATIONIT IS ALL ABOUT WHAT CUSTOMERS WANT

Internet

SmartphoneTablet

Permanent Connectivity

CHANGES IN CONSUMERS’ LIFE

Hierarchy

No Listening Culture

Legacy Systems

Regulations

Lower IT budget

CHANGES IN TRADITIONAL BANKING

Sources: The Millennial Disruption Index, Viacom Media Networks Survey + The Digital Disruption in Banking, Accenture

Don’t think their bank offers anything different than other banks

Consider their banking relationship to be transactional rather than relationship driven

Want their bank to proactively recommend products and services for their financial needs

Are interested in real-time and forward-looking spending analysis

53%

48%

71%

51%

LISTEN TO WHAT CUSTOMERS WANT

CUSTOMER

CENTRIC

INTEGRATIV

E

OPEN

EFFICIENT

BETTER BANKING FOR EVERYONE

FIDOR TODAY

// THE RECIPECOMMUNITY, HOLISTIC BANKING APPROACH, APIs

HOLISTIC BANKING EXPERIENCEPILLAR 1CUSTOME

R CENTRIC

#BuildFidor Help us build the bank of your

dreams

#BankingWithFriends

Advice from people you trust

COMMUNITY-DRIVEN APPROACHPILLAR 2INTEGRA

TIVE

CROWD SOURCED BANKING INNOVATION

#BuildFidor

PILLAR 2INTEGRA

TIVE

BANKING ECOSYSTEM POWERED BY APIs

Fintech As A Service

PILLAR 3INTEGRA

TIVE

• Domestic & International transfers

• Instant transfer to friends• Emergency money• Precious metals• Foreign currency

investments • Savings bonds• Change of account & card

limits• Etc.

MODERN DAY BANKINGPILLAR 4EFFICIEN

T

#60SecondBank

ing#24/7Banking

// THE OUTCOMEBETTER BANKING FOR EVERYONE EVERYWHERE

BANKING WITH FRIENDS

TRANSPARENCY AND ACCOUNTABILITY

…Not the Bank’s

SOLVING OUR CUSTOMERS’ PROBLEMS

It is all about what customers want

Fidor Bank AG

Sophie GUIBAUD – European Expansion