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!Bankir.ru 22.03.2017

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Life.SREDA VC

13 инвестиций(США, Великобритания, Германия, СНГ)

7 успешных выходов

I

8 инвестиций(Юго-восточная Азия)

II Asia

Новый венчурный фонд,нацеленный на инвестициив блокчейн

Акселератор финтех-проектови коворкинг в Сингапуре

Акселератор финтех-проектови коворкинг в Казани

2012 - 2014 2015 - 2016 -Москва ЛондонСингапур

ВладиславСолодкий

ИгорьПесин

КрисСкиннер

ДэвидБрир

ТомасЛабенбахер

СаймонТэйлор

МаксимАвдеев

Команда Life.SREDA состоит из самых ярких умов мира в финансовых технологиях

Сложность в создании финансовых услуг и продуктов с участием традиционных банков

Переговоры с банками для получения лицензии и интеграции c системой банка

Прямая интеграция в систему банка

Для банков:- Не является показателем эффективности- Не безопасно, не надежно- Не быстро, не дешево, не легко- Нет возможности работать с множеством стартапов

Использование BaaS платформ или открытого API 80%

to businessdevelopment

В СШАи Великобритании

20%В США и UK

3-6 месяцев

80%1+ год

80% ресурсовтратится на запуск

20% ресурсов тратится на запуск

Россия, Восточная Европа, Ближний Восток, Азия

США/Великобритания


Преграды для эволюции финтеха в России,

Восточной Европе, Ближнем Востоке, Азии

Преграды для эволюции финтеха в России,

Восточной Европе, Ближнем Востоке, Азии

Сложности в географической экспансии из-за различий в регулировании и инфраструктуре

В США и Европе

сложности в экспансии стартапов зарубеж;

сложности в интеграции с иностранными компаниями, создание новых регуляционных норм;

сложности в реализации потенциала компаний из-за инфраструктурных ограничений


простое регулирование;

легкая интеграция;

ясная экспансия;

Agenda

I. Banks > marketplaces for businessesII. Marketplaces for individuals

• Partnership with lenders and Saas suppliers to provide to small businesses main business products and loans. Business Saas include:

• Capital management and PFMs;• Business Metrics and diagnostics; • Procurement and e-invoicing for B2B;• Strategic networking, analytics and data tools, payment processing

• One of the most important elements of the program’s is improving participants’ businesses and access to capital;

• Business support services were Saas products provided by Goldman Sachs and partners (like NewTek Business Services);

• The investment is designed to increase the amount of business services and capital available to SMB in underserved communities

• After the crisis, GS had a bad reputation on the market – decided to develop CSR by business improvement in US and UK;

• “10,000 Small Businesses”— a business support services and business and management education, access to capital;

• On a business side, GS provides many businesses comprehensive business services in order to improve the profitability of them;

Goldman Sachs – Stimulating Small Businesses Growth

Background

Value proposition

Key products

Examples

• 63.7% of participants increased revenue 6 months after graduating;

• Average revenue growth rate across all respondents – 68% (6 months after);

• For comparison, 37% of US SMBs increased revenue from 2012 to 2013;

• 37% participants reported launching a new product or service;

Key results

1. Alex Fisher from Simmetri

2. Strategic initiator of a program

• Entrepreneurs can find and purchase a solution to their businesstasks by answering a few simple questions;

• Key components of Delovaya Sreda is an online marketplace of cloudapps and services;

• Key products: Business mgmt (21), accounting (6), legal services (8),marketing (3), personnel (6), communication(2), logistics (1) = 47 in total.

• Delovaya Sreda establishes a business environment for entrepreneurswith its informational, educational, social and software services.

• The online business software store is a key element of the project;

• Product developers get a 250,000+ customer base;

• Customers get products at a 30-50% discount.

• Delovaya Sreda is a project aimed to develop entrepreneurship inRussia, provides entrepreneurs with environment and necessary tools;

• Founded in 2012 in Moscow by Sberbank;• ZAO Delovaya Sreda is 100% Subsidiary of PAO Sberbank;• Initial investment around $10mln;• Traction: $10mln invested by Sberbank, holds 100% of the company.

Background

Value proposition

Key products

Additional

Sberbank – Developing a “Business Environment”

• 130.000+ items sold up the end of 2016;

• 32 products in 2015, 47 products in 2016;

• 200.000+ unique visitors per month in the first half of 2013,

• 247.000 permanent users in the end of 2015;

• RUB 50mln ($770.000) in profits earned since foundation.

Key results

1. Products catalogue:

2. Specific product info:

Sberbank – Developing a “Business Environment”

Business management products

• BPE24 Professional: Online service for business plan creating;• Hansaworld products: ERP, CRM, Accounts management;(Comprehensive all-in

soft products and worldwide customer base);

Accounting products• Kontur.Elba: online service for accounting with mobile apps;• SMART+: All-inclusive accounting service with optimization control of the whole

accounting process. (300+ customers from Russia and other countries);

Legal services• Online Patent: Online office for registration, maintenance of patents.• Urvista: Turnkey legal procedures. All-in registration of businesses, patents;

Personnel management products• GoRecruit: Cloud-based recruitment tool that utilizes social networks data to

analyze the job applicants, and help you choose the best.• TeachBase: Online courses for employees, partners and clients. 60000+ clients

(among which PUMA, Ministry of Energy of Russia);

Telecommunication and marketing:• GLOBALLINE telecom: Connecting multichannel phone numbers without binding

the office. Access rights control; Statistics and analytics; 100,000+ users.• InSales: E-commerce platform constructor.

Logistics• VeeRoute: A software platform for logistics optimization in various industries.

Autameted scheduling and optimal routes. 70+ Clients (among them Oriflame, SPSR Express)

Business and accounting Legal, marketing, PMP, etc

1. BPE 24

1. Online Patent

1. TeachBase

1. Globalline

A B2B financial services engine provides businesses of all sizes with:• Network for suppliers, Discovery for suppliers, Ready sales;• Automated Clearing House (ACH) and wire transfers; Foreign

exchanges;• Web-based information integration, Electronic Data Interchange (EDI)• Security and authentication.

• Deliver a full range of B2B financial services on the Internet;• The marketplace focuses on SMB customers of BoA, providing them

access to the bank's preferred suppliers at negotiated contract prices;• Offerings were expanded over time, and the bank develops "vertical

communities" within the marketplace to target specific industries

• Founded in 2000 by Ariba and Bank of America;• The B2B marketplace by Ariba and BoA is aimed to give clients full

advantage of breadth and depth of the bank's business capabilities over the Internet;

• Traction: Launched in 2000 by Ariba and BoA. • Acquired in 2012 during SAP’s acquisition of Ariba.

Background

Value proposition

Key products

Additional

Bank of America – Building a financial marketplace for SMB

1. Supplier registration 1



Agenda

I. Banks > Business marketplaces for businessesII. Marketplaces for individuals

Forinternationalpayments

Toofferinvestmentproducts

Tooffernewinsuranceproducts

Tooffercashwithdrawaloptions

Tooffergeneral cardprocessingandpayments

• Offers current bank account with Mastercard, managed via smartphone;

• Personal Finance management to track spending;• Investment product Vaamo;• Insurance products in Germany

• At its core, N26 is working on a bank-as-a-platform model;• Customer to expect more and more upcoming services in

the near future from 3rd party providers

• Founded in 2013, based in Berlin;• Provider of mobile banking products;• Raised $52.7M;

N26 – Bringing the best financial products on a marketplace

Background

Value proposition

Key products

Examples

• 17 Countries;• 200.000 users;• License obtained

Key results

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Tooffermortgageorigination products

ToofferAtom’sclientsfullconnectionwith support

TooffercashcustomerserviceAIsolutions

• Current account;• Savings account;• Mortgage, the first digital bank to offer;• Personal Finance management to track spending;

• Bank, exclusively for mobile;• Also features personalized experience

• Founded in 2014, based in Durham;• Provider of an app-only bank;• Raised total £268M;• Valuation - £261M

Atom – Reinventing the UK financial services marketplace

Background

Value proposition

Key products

Examples

• 50.000 registered customers;

• The first digital bank to obtain license;

Key results

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Tooffer studentloanrefinancedebt

Toofferdebtconsolidationservices

Toofferpersonal financemanagementproducts

Toofferbillpaymentandinterbanktransferproducts

Tooffergeneral processingandpaymentsaccount

• Savings account;• Personal finance management tool;• Funding account;• Refinance services from partners

• Works with banking and payment partners, mobile operators, consumer credit groups, social media partners, and merchants.

• Founded in 2011, based in New York;• Raised a total $24.41M;• Valuation – $104M;• Provider of money management banking app;

Moven – Creating a future banking platform

Background

Value proposition

Key products

Examples

• 3.000.000 users

• 4 countries

Key results

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TooffersavingsproductsinSweden

27Germanbanks

Toofferdepositoptionsandproducts

• Raisin is a provider of an online marketplace for savingsaccounts in Europe;

• Offers European savers access to fixed deposit rates in Europe in partnership with 27 banks;

• 60.000 customers;• Has passed €2M of investments over its platforms

Raisin (Germany) and Holvi (Finland) – Fuelling marketplaces

Background Examples

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tobetterservesmallbusinessesinGermany


• Provider of payment services in Finland;• Provides banking services for individuals and SMEs;• Was acquired by BBVA;• 83% of Holvi’s customers are millennials – the most fought

customer segment in the connected age

Background Examples

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Contacts

Maksim [email protected]

Presentations & Public Speaking

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