My customers are always asking me: • Why does a credit transfer take 3 days or more? • Why does an international credit transfer outside the EU

cost almost €50? • Why does online banking only work during office

opening hours? • Why does Paypal exist? • Why do most banks still not offer this kind of payment

solutions? • Why don't I offer crowd and peer-to-peer functions for

my customers with digital lifestyles?

I am a bank

I’m looking for a solution

1

•  Because I am well informed. •  I compare prices online. •  I often shop online. •  I compare notes on products and prices in

communities. •  I make frequent use of all communications

channels. •  I regularly share contents on social media.    For all my financial transactions I am looking for a dependable partner, who guarantees me speed, transparency and low prices, around the clock. Whenever I have time and in an up-to-date way.

I am the problem (I'm the digital consumer)

2

•  Now your online banking works 24 a day. Payments take place in real time – also by email, text message or Twitter. And international credit transfers can be offered faster and at lower cost.

•  Cool: that is a technological edge in your own “look and feel”. Without long development times and expense.

•  Your customers can now use 15 classical and new functionalities via their current (and the figure is growing all the time): from crowdfunding to a savings account, from lending among friends to virtual currencies and purchase of precious metals and foreign exchange. That is something no other bank can offer.

•  And last but not least: with the bonus system in our own community tool you can build an attractive community that earns you real money. Fidor has shown the way: out of more than 270,000 registered members we have made over 70,000 account holders

I am the solution

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Software from Fidor Tecs AG

I)  With iTunes, Apple created a platform for millions of smartphone apps and earnings opportunities for innumerable business models.

II) Like iTunes, Fidor is the marketplace for everyone who wants to offer new apps for various financial services related to a current account. FidorOS turns the current account into a cash management platform!

III) Every bank can now offer functionalities new and old, accessed by app and "Operated by fidorOS". From a savings account and various investments to international payments, from crowdfunding to loans and insurance. A technological leap

IV) Like iTunes, fidorOS is equipped with application programming interfaces, which open up the system for third-party providers. New services like finance apps can be integrated into the existing system at any time. No other bank in the world currently integrates so many different finance functionalities into its account product as Fidor Bank.

What Apple has in common with Fidor

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Fidor Smart Account Connecting to Community

•  Fidor offerings and 3rd Party apps (integrated via API)  

•  Innovation inside like Ripple, P2P lending and crowdfunding

First steps towards PFM

User created tutorial videos

Navigation

Speed Banking, shown by „60 sec banking” icon

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A market place for financial services

Example 1: Functionalities associated with the Fidor account

The Fidor Community

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as a powerful tool for customer-to-customer-to-bank interaction

Fidor Bonus program

Direct contact between customer and customer service in news stream

Overview of Fidor Smart Community Apps

Example 2: How the Fidor Community works

Contact

Sandstraße 33, 80335 Munich | Germany E-Mail: schwab@fidor.de  Web: www.FidorTecS.com  Skype: fjschwab Frank Schwab – CEO Fidor TecS AG