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Three Fintech Questions that Matter in 2019

Explore the top 3 fintech questions for 2019, discover the banking products fintech should focus on, and uncover effective rebundling strategies. Learn how functional and expanded partnerships can drive success in this evolving landscape.

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Three Fintech Questions that Matter in 2019

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  1. Three Fintech Questions that Matter in 2019 LendIt USA 2019

  2. What banking products should Fintech focus on in 2019 and beyond?

  3. Unbundling the Bank

  4. Top 4 Banking Categories by Revenue Source: Brokerage: https://fred.stlouisfed.org/series/REVEF52312ALLEST Asset Management: McKinsey North American asset management in 2018: file:///C:/Users/rlaplanche/Desktop/North-American-asset-management-2018-vf.pdf US Payments revenue include both banks and Fintech: https://bankingblog.accenture.com/wp-content/uploads/2018/07/Payments-Revenue.png Lending revenue is net interest income of US banks in 2017: https://fred.stlouisfed.org/series/USNII

  5. Payments Has Higher Fintech Penetration Source: EY FinTech Adoption Index 2017

  6. What rebundling strategy is most effective for Fintech firms?

  7. Bundle Examples Free Product Monetized Product User acquisition, retention and/or data benefits Deposit account Credit monitoring Financial education Brokerage/Investment Payment Credit

  8. Bundle #1: Credit Education + Personal loans Personal Loans Low Fixed Rate Responsible Credit Credit Simulator Users Perform Better On Their Loans

  9. Bundle #2: Payment Card + Personal Loan Credit Cards Personal Loans Convenient, Flexible Accepted Everywhere Enables Mobile Payments Low Rate Fixed Rate Responsible Credit

  10. Building Winning Bank / Fintech Partnershipsin 2019

  11. Good partnerships play to each partner’s strengths Phase I Functional Partnerships Fintech Low cost of capital Low cost of operations Banks

  12. Good partnerships play to each partner’s strengths Phase II Expanded Relationship Brand Fintech User Experience Product Mix Customer Relationship Banks

  13. Thank You

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