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Digitale disruptie Identificatie
Digitale disruptie Identificatie
‣ Internet 25 jaar in Nederland
‣ Internet 25 jaar in Nederland
‣ Internet 25 jaar in Nederland
Disruptive Estonia
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Disruptive Estonia
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Disruptive Estonia
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Disruptive Estonia
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1
1
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Nederland….
Nederland….
Nederland….
Mobile first!
Mobile first!
Mobile first!
Mobile first!
Apple has changed mobile payments with sheer brilliance.
Apple solved a difficult challenge —how to deliver a great customer experience and converged the experience of digital e-commerce and mobile commerce.
Apple has taken technology that has been around for years — such as tokenization and NFC — and made it new again.
It was 15 years for debit cards or ATMs to be adopted, and in a year Apple got banks and payment networks to collaborate
Big Tech!
Google announced this morning two strategic partnerships with Visa and MasterCard aimed at expanding the reach of its
mobile payments service, Android Pay.
companies are realizing they need to
go through banks instead of trying to go
around banks
“In the early days of Finovate, we saw more presenters trying to
disrupt the banking model and go around banks,” says Greg Palmer, the vice president of Finovate and
host of FinovateFall 2016. Back then, they were dreaming up
personal financial management (PFM) tools. “Now, companies are realizing they need to go through
banks”
Websummit Fintech
Websummit Fintech
Startup REG Tech
Startup REG Tech
Executives may be overestimating the success of non-traditional firms in delivering better customer experiences For example, executives
overwhelmingly believe FinTechs are doing a better job of providing transparency (37.8%) compared to traditional firms (12.2%). Customers,
however, view traditional firms as doing better. Source: World Fintech Report 2017
Trends:
• Lack of megadeals in North America, Asia closed some megadeals in Q1-2016
• Decline in payment tech investment activity • Asia dominates lending tech investment activity, but for how
long? • The rise of insurtech • Blockchain investments are gaining momentum
The Pulse of Fintech KPMG (Q2-2016)
FINTECH VS BIGTECH & PLATFORMIFICATION
BigTech firms, such as social media, e-commerce, and
telecommunications companies, represent a potentially even bigger
disruptive force in financial services since they have superior data processing
capabilities and none of the challenges FinTechs have in winning over customer trust
Oost West Thuis Best
Oost West Thuis Best
There are now different touchpoints between the consumer, merchant and issuer. It’s no longer just a card and a merchant
point of sale.
• Einstein?
• Einstein?
• Einstein?
• Einstein?
• Einstein?
• Einstein?
Skype translator
Skype translator
Earlier this year, chatbots were barely a blip on the tech world's radar. Then, at Facebook's F8 developer conference in April 2016, the company announced that its Messenger app would soon feature chatbots from brands including CNN and 1-800-Flowers. Seemingly overnight, chatbots became the "next big thing" in tech and the object of endless media
coverage.
The top trend at this year’s Finovate: Chatbots for bank customers, with pseudohumans texting, emailing and
conversing and answering your questions
https://kore.com/finovate-landing/
Why Most Banks Should Not (Yet) Roll Out Bots (research by Forrester, published August 31, 2016)
Today’s bots o;en lead to uneven — or worse — experiences for customers. Money is an area where the stakes are high — and people are less forgiving. Bots and other AI services will improve — but banks won’t drive this evoluIon. Given these circumstances, most banks outside China will not gain from invesEng in bots on third-‐party plaGorms in the near term.
Bots Aren't Ready To Be Bankers
Zondagochtend, 8:30 uur
Microsoft Hololens
Microsoft Hololens
Gebruik je handen
Gebruik je handen
Urthecast Earth HD streaming
Urthecast Earth HD streaming
\
Why Electric?
Amazing technology
Battery Cost
Electrische auto’s
Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
Zoe 42kwh
Opel AmeraE-60kwh
60kwh
33kwh
Selfdriving cars
Cars parked 95% of the Time
Cars parked 95% of the Time
Oost West Thuis Best
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