The FINTECH Book
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Preface viii
About the Editors x
Acknowledgements xii
1. Introduction
Banking and the E-Book Moment 6
Why We're so Excited About FinTech 10
Current Trends in Financial Technology 13
2. FinTech Themes
Banks Need to Think Collaboration Rather Than Competition 20
Global Compliance is Key 22
Lending (Capital) in the 21st Century 25
The Next Big Innovation in FinTech - Identity 28
Tech Giants Becoming Non-Bank Banks 31
Design is No Longer an Option - User Experience (UX) in FinTech 34
3. FinTech Hubs
Nurturing New FinTech Communities 42
La (French) FinTech Connection 45
The Journey Towards an Integrated FinTech Ecosystem - The Netherlands 48
Luxembourg, a Future FinTech Hub? 51
Vienna as the No. 1 FinTech Hub in Mobile Payments? 53
India's FinTech Ecosystem 56
Singapore, the FinTech Hub for Southeast Asia 58
4. Emerging Markets and Social Impact
FinTech - The Not So Little Engine That Can 66
Why Am I Not Gonna Be Able to Enter a Bank? 69
The Rise of the Rest in FinTech 72
Smartphones, FinTech, and Education - Helping the Unbanked Reach Financial Inclusion 75
The Social Impact of FinTech in Nigeria 78
India and the Pyramid of Opportunity 81
5. FinTech Solutions
Rewiring the Deal - The Path Forward for B2B Supply Chains 88
Payments and Point of Sales (POS) Innovation 92
Predictive Algorithms - Building Innovative Online Banking Solutions 95
Big Data is the Cornerstone of Regulatory Compliance Systems 100
FinTech Solutions in Complex Contracts Optimization 106
Behavioural Biometrics - A New Era of Security 109
Ultra-Fast Text Analytics in Trading Strategies 112
Regulated Crowdfunding Ecosystems 117
Remittances - International FX Payments at Low Cost 120
FinTech Solutions for Small Businesses 123
Payment Solutions Including Apple Pay 125
FinTech Solutions Benefiting other Sectors 128
FinTech Innovation for Wearables 131
6. Capital and Investment
Investment and Capital - Back to Basics 138
Angel Investing - Access to "Smart Money" to Fund the Best FinTech Companies 141
Crowdfunding and Marketplace (P2P) Lending - Online Capital Marketplaces as New Asset Classes to Access Funding 144
The Digital Investment Space - Spanning from Social Trading to Digital Private Banking - A FinTech Sector Made for Disruption? 147
Leading the Way with an Investor-led Approach to Crowdfunding 149
My Robo Advisor was an iPod - Applying the Lessons from Other Sectors to FinTech Disruption 152
Crowdsourced Alpha 155
To Crowdsource a Hedge Fund 160
Providing Capital and Beyond 162
7. Enterprise Innovation
Can Banks Innovate? 170
So, You Think the Innovation Lab is the Answer? 173
FinTechs and Banks - Collaboration is Key 179
Partnerships Are the Key to Addressing Financial and Digital Exclusion 183
Corporate Venture Capital - The New Power Broker in the FinTech Innovation Ecosystem 186
The Insurance Opportunity 190
8. More Success Stories
eToro - Building the World's Largest Social Investment Network 196
Avoka - An Overnight Success, 13 Years in the Making 198
Bankable - Banking as a Service 201
The Next Chapter in Citi's Story of Innovation 203
FinTech Trends from the Frontline - Building Collaborative Opportunities for Start-ups, Market Infrastructures, and Wholesale Banks 206
9. Crypto-currencies and Blockchains
FinTech + Digital Currency - Convergence or Collision? 212
Blockchain and Crypto-currencies 217
10. The Future of FinTech
How Emerging Technologies Will Change Financial Services 226
The Future of Financial Services 229
Banking on Innovation Through Data 232
Why FinTech Banks Will Rule the World 235
The FinTech Supermarket - The Bank is Dead, Long Live the Bank! 238
Banks Partnering with FinTech Start-ups to Create an Integrated Customer Experience 241
The Rise of BankTech - The Beauty of a Hybrid Model for Banks 245
FinTech Impact on Retail Banking - From a Universal Banking Model to Banking Verticalization 248
Embracing the Connected API Economy 253
Banking Like Water 258
Eliminating Friction in Customers' Financial Lives 261
FinTech is the Future Itself 264
A Future Without Money 267
Ethics in FinTech? 270
List of Contributors 273
Index 291
