Fidor TecS AG
We enable disruptive banking!
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4 years young Fidor Bank is the “show case” for fidorOS
Community users > 300,000 In account app B2B partner > 10 Full KYC customers > 65,000 SME customers > 3,000 Loan book > 185 mEUR Deposits > 232 mEUR Costs per new customer (CpC) < 25 EUR IT costs per user per year < 12 EUR
Bank licence in December 2009 SMART Account App Manager
The Fidor community is unique to banking. Instead of going to a branch and relying just on the advise of my financial adviser, I can ask the community.
Fidor Bank created an unique community in banking with > 250,000 users
Fidor Bank’s SMART account aggregates traditional banking and new social banking functionality in an unique way
The Cash-‐Manger allows me to manage all my In-‐Account Apps and to handle my transacYons in a smart and easy way. Finally there is a bank that accommodates to my needs – from Crowd-‐financing to Social Trading. I am a workaholic, so I don‘t have much Yme. With Fidor I can execute most of my banking services within 60 seconds.
fidorOS is modern, modular, open, API-based and free of any legacy code and enables a first of its kind eco-system in banking IT
CBS Country 1
Community Payments Account
Fron
t End
Web / Mobile
Product-‐ Features
Core-‐ Module/s fidorOS CORE
Interface to Core Banking
Country-‐specific Core Banking System
LAYERS
CBS Country 2 CBS Country n
Middle Ware
Back End
RESTful A
PIs
Technology
HTML5 / NaYve iOS, Android
Ruby/ Ruby on Rails/ MySQL
MQ Series
CBS specific
Bonus Third party
Third party apps / in account apps
General Admin
Core
AcYviYes
Security
fidorOS
TransacYon
AuthorisaYon
Customer
Booking
...
fidorOS combines general banking functionality independent from country specifics with social banking services in an unique way
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Real Yme booking, payments, loans, …
AggregaYon of tradiYonal assets and new P2P & social banking products
Convenient transfer of money, deposits, currencies via twiger, mobile number, email
Virtual currencies like Bitcoin, Ripple, …
Open API provides powerful and easy to understand, to setup and to use interface to access all fidorOS funcYons
FOXI Financial Open eXchange IniYaYve provides standardized formats to create applicaYons within fidorOS
AlternaYve assets e.g. Miles & More points, precious metals, …
Plus -‐ MulY language ✔ -‐ MulY currency ✔ -‐ MulY country ✔ -‐ MulY CBS ✔ -‐ White label ✔
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fidorOS deployments
Banks The more innovaYve and specialised apps are available for fidorOS the more agracYve for banks Developers The more fidorOS deployments and bank customers the more agracYve for developers and highly specialised companies for banking IT
The network effect
Each new fidorOS deployment and each new third party app fosters a network effect
Fidor Group
White Label
API Banking – build for developers: powerful and easy to understand, to setup, and to use
{ !!"id": "5232",!!"email": "[email protected]"!
}!
GET /users/current
{!!"customers": [!! !{!! ! !"id": "16696412",!! ! !"title": "Herr",!! ! !"firstname": "Patrick",!! ! !"lastname": "Gruban"!! !}!! !]!
}!
GET /users/current/customers
Integrating the Developer Community. Go: http://developer.FidorTecS.com
0
200
400
600
800
1.000
1.200
1.400
03/0
9
05/0
9
07/0
9
09/0
9
11/0
9
01/1
0
03/1
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05/1
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07/1
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09/1
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11/1
0
01/1
1
03/1
1
05/1
1
07/1
1
09/1
1
11/1
1
01/1
2
03/1
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1000
Transaction Creation Count
fidorOS scales!
Tier 1/2 Bank Google
3,4
3,8
eBay
7,4
200
15
Fidor
[USD]
fidorOS enables low IT costs per user per year.
CBS Fidor
fidorOS
C P B
Web Frontend
Mobile APPs
Web Interface/s
Product-‐ Features
Core-‐Module/s
OperaYng System (Must be ordered in any case.)
Interface to Core Banking
CBS Fidor
fidorOS
P
Web Frontend
fidorOS
C P B
Web Frontend
fidorOS
P
Example III: Swiss Step 1 Example II: Russia Example I: German LogisYc Company
Fidor Set Up Full Scope Used by Fidor Bank as show case.
Core Banking Level
LAYERS
Partners can make their choice out of a unique and modular Product and Service Tool Box.
To increase speed and implementation power Fidor TecS is building partnerships on 5 levels
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5 different level of partnerships I) App partner – create an mobile/web app on top on fidorOS API
II) In-‐Account-‐App partner – create an fidorOS applicaYon
III) ImplementaYon partner – implementaYon and customizaYon of fidorOS
IV) OperaYng partner – operaYng fidorOS in your data center
V) fidorOS Reseller Partner – resell fidorOS licences
Excellent!
Contact
Sandstraße 33, 80335 Munich | Germany E-‐Mail: [email protected] Web: www.FidorTecS.de Skype: pschwab Frank Schwab – CEO Fidor TecS AG