CIFA presentation

Beroepsvereniging van zelfstandige bank- en verzekeringsbemiddelaars

XIth International CIFA FORUM

26 April 2013

The digitization of the banking sector and crowdfunding



26 April 2013



26 April 2013

Increased digitization

Internet

Smartphone

Cash dispenser



26 April 2013

Restrictions on cash transactions

Fraud prevention



26 April 2013

Impact

Increasing online purchase

Threat to financial intermediary

Need for reorientation



26 April 2013

Intuit 2020 Report: the future of financial services



26 April 2013

Money of the future Conference

Bank 3.0 by Brett King



26 April 2013

10 major trends

Mobile banks

Key trend: Mobile first

Mobile acquiring

Digital Wallets from IT-giants

Bank 3.0



26 April 2013

10 major trends

Collective investment schemes

Payment Systems and Services

Personal Finance

Web money

Facebook financial experiments



26 April 2013

Crowdfunding

Alternative financing method

Small contributions from a large group of investors



26 April 2013

Pre-sales

Donations and rewards

Supply = demand



26 April 2013

Lending

Social Lending

Peer-to-business lending



26 April 2013

Equity Crowdfunding

Business angel

Elite crowdfunding



26 April 2013

Revenue sharing

Profit sharing based on future profits



26 April 2013

Crowdfunding platforms



26 April 2013

Europe

Lack of legal and regulatory framework

Different national interpretations



26 April 2013

North-America

Jobs act



26 April 2013

Impact on the financial world

Risk shift

Good vs. bad credits

Economy boost



26 April 2013

Crowdfunding as an opportunity

Lasting consumer relationships as a solution

Digitization threat to financial intermediary



26 April 2013

Economy & Finance

CIFA presentation