Date post: | 14-Aug-2015 |
Category: |
Economy & Finance |
Upload: | fidor-group |
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The Future is NOW!
„The Fidor Smart Account kills the tradi6onal bank account, like the smartphone killed the mobile phone.“ Ma#hias Kröner – CEO Fidor Bank Group
Table of content
Confiden'al Informa'on Page 3
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
Bank licence in December 2009 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
Fidor Bank – Facts & Figures!
August 2014
Table of content
Confiden'al Informa'on Page 5
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
Digital strategy
Fully Digital
Flexible Product Plattform
Customer Centric Banking
Time-to-Market
Convenience
Security und Compliance
Complete end-to-end processes without media disruption High degree of automation
Flexible product model: products as combinations of simple basic elements API-approach instead of separate silos Personalised frontend Semantic services Integration of Social Media Entirely digital product cycle Guarantee of fast release cycles through automation of IT-processes 100% real time UX-Design from the customer‘s point of view
High Level of Security has to be guaranteed even with short release cycles Balance between Security and Convenience
Requirements for the banking core systems
Starting point for digital banking is the digital strategy, posing new requirements to the banking core systems.
Payment
Community Banking
Smart Community
Smart Payment
Smart Banking
• Question & Answers • Product Ratings • Advisor Ratings • Profile Comparisons • Group Discussions • Product Suggestions • Surveys …
PLUS: Unique bonus-scheme rewarding social interaction.
• Saving Certificates • Loans (including Emergency Loan &
Overdraft) • FX Trading • Precious Metals
PLUS innovative solutions such as: • Crowdfinance • Peer to Peer Banking (lending and
options) • Virtual Currencies
Combining Banking & Community
Covering the major financial needs of a digital customer: - Independent support instead of sales (push) - Alternative financing and investing solutions by
integrating 3rd party offers instead of proprietary product range
- Speed banking instead of slow banking - Collaboration instead of black box
• Connect to Bundesbank (BIC / IBAN) • SEPA Payments • Closed loop transaction • Transaction layout can be customized • Global Money Transfers • Card (MasterCard Issuing Licence) • Sending money to e-mail address, phone
number, twitter domain
• “community personal finance management”
• Peer to peer comparisons of transactions or assets allow improvements
Customer
Fidor combines community & payment & banking and provides additional value and freedom of choice to the retail and corporate customer – the bank is build around the digital customer.
Table of content
Confiden'al Informa'on Page 9
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
The fidor smart community is unique to banking. Instead of going to a branch and relying just on the advise of my financial adivser, I can ask the community.
Power of the Community - > 300,000 user!
The Cash-‐Manger allows me to manage all my In-‐Account Apps and to handle my transac'ons 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 'me. With Fidor I can execute most of my banking services within 60 seconds.
Smart, Fast, Fidor SMART Account!
BrokerBa#le to come with Bitcoin underlying. Scope of Bitcoin CooperaCon
Fidor Bank combines “peer to peer op'oning” with a virtual currency, crea'ng the worlds first user created op'on on bitcoin.
• Exclusive Licence shelter (Hahungsdach) for Bitcoin.de Exchange in Germany and for kraken/payward Bitcoin Exchange in Europe.
• Genera'ng constant revenues via Licence coopera'on pl. transac'on-‐related revenues.
• Integra'ng Bitcoin transac'ons and a view to the assets into fidor cash account.
• Combina'on of Brokertain´s BrokerBalle and Bitcoin: User created op'on on Bitcoin allows to e. g. shorten Bitcoin, if counterpart is found.
• Bitcoin Exchanges as interna'onal distribu'on partners.
• Extremly posi've impact an brand and web reputa'on. Bitcoin transac'ons at bitcoin exchanges will be
shown separatly in Fidor Smart Cash Account, however no storage of Bitcoins at Fidor Bank.
Fidor Tec´s leading innovations for financial services: The Bitcoin Showcase
It is important to me to have a complete overview of my asset allocaCon. This includes money I lend from third party services like Smava and a lot of other great plamorms. One more thing: Fidor even implemented virtual currencies, so I can see my investments in Bitcoins.
At a Glance – Fidor aggregates a great variety of new asset classes!
8:00 am TV News about Gold:
Asking the community to buy or not to buy?
10:00 am Backing a crowdfinance
project: „Ecofriendly Coffee“
1:30 pm Paying back in real-‐Cme my colleague via twi#er:
Great Lunch, Joe!“
3:00 pm Going short on a Bitcoin by beWng 50 USD against
my boss
5:00 pm Buying 1,00 oz silver with only one mouse click!
Thx Community!
11:30 pm Applying for a short term loan on my smartphone.
#AwesomeParty
How does a typical day of your customer
look like?
Fidor – the lifestyle bank!
Table of content
Confiden'al Informa'on Page 15
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
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
Mid
dle
War
e Ba
ck E
nd
REST
ful A
PIs
Technology
HTML5 / Native iOS, Android
Ruby/ Ruby on Rails/ MySQL
MQ Series
CBS specific
Bonus Third party
Third party apps / in account apps
General Admin
Core
Activities
Security
fidorOS
Transaction
Authorisation
Customer
Booking
...
fidorOS is modern, modular, open, API-based and free of any legacy code.
Seite 17
Real 'me booking, payments, loans, …
Aggrega'on of tradi'onal assets and new P2P & social banking products
Convenient transfer of money, deposits, currencies via twiler, 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 func'ons
FOXI Financial Open eXchange Ini'a've provides standardized formats to create applica'ons within fidorOS
Alterna've assets e.g. Miles & More points, precious metals, …
Plus -‐ Mul' language ✔ -‐ Mul' currency ✔
-‐ Mul' country ✔
-‐ Mul' CBS ✔
-‐ White label ✔
fidorOS combines general banking functionality independent from country specifics with social banking services in an unique way
Data backup on disk and tape in a separate DC location with 6 km distance to the other DC
High performance layer 2/3 firewall cluster with additional full scope IPS and IDS functionality
High performance layer 7 WAF (Web Application Firewall) cluster with additional intelligent self learning load balancer functionality
Firewall controlled web DMZ Load balanced web server nodes with extended SSL certificates and strongest SSL security setup (SLLlabs Rating A+)
Firewall controlled APP DMZ Load balanced application & service server nodes
Firewall controlled DB Server DMZ High performance n-node active-active DB cluster nodes with real time date replication
Data Center Strategy All live and performance relevant systems do have a complete redundant, real time mirrored DC setup in two different DC locations, or as a minimum requirement in two separate fire areas within the DC
fidorOS Code Security Strategy The fidorOS code itself is written with special attention to prevent any security leaks like cross-site scripting and SQL injection. Input fields are always validated.
Layer 2/3 Entry Firewall
2 x 1 GB Redundant Internet Access 2 x 1 GB Redundant Internet Access
Web Server DMZ
Layer 7 Firewall & Load Balancer
Application & Service Server DMZ
Database Server DMZ
fidorOS / Housing & Infrastructure Security
Data Backup
fidorOS: state-of-the-art infrastructure & security
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
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.
Table of content
Confiden'al Informa'on Page 26
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
CBS Fidor
fidorOS
C P B
Web Frontend
Mobile APPs
Web Interface/s
Product-‐ Features
Core-‐Module/s
Opera'ng 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 Logis'c 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.
Table of content
Confiden'al Informa'on Page 29
I. Fidor Bank: Facts & figures
II. Fidor Bank‘s business model
III. The applica'on IV. fidorOS
V. fidorOS sells
VI. fidorOS partner opportuni'es
Partner opportuni'es I) App partner – create an mobile/web app on top on fidorOS API
II) In-‐Account-‐App partner – create an fidorOS applica'on
III) Implementa'on partner – implementa'on and customiza'on of fidorOS
IV) Opera'ng partner – opera'ng fidorOS in your data center
V) fidorOS Reseller
There multiple opportunities to become a partner
Contact
Sandstraße 33, 80335 Munich | Germany E-Mail: [email protected] Web: www.FidorTecS.de Skype: fjschwab Frank Schwab – CEO Fidor TecS AG