Fintech: Opportunity or Threat

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1 Fintech: Opportunity or Threat Treasury Alliance Group LLC January 25, 2017

2 U.S. Fintech Venture Funding Hit Record $7.39B In 2015: KPMG & CB Insights Report WMBF News 6 Top Fintech Startups and VCs Who Love Them American Banker Fintech drives record hike in London startup VC funding Wired VC and Fintech: The Torrid Love Affair Continues VC News Letter Page 1

3 Session Agenda Fintech defined How it works Some benefits Some issues What s next Questions Page 2

4 FINTECH DEFINED

5 Fintech Defined A mix of the words Financial and Technology Technology applications and services that replace and often disrupt incumbent financial processes Will likely increase competition in many areas and challenge banks and other financial services vendors Fintech is broader than cloud and mobile Page 4

6 Fintech Evolution Stock Ticker FedWire Telex ATMS Quotron Computerized Banking MICR Credit Cards Crowd funding Kabbage Square iphone Google Wallet Bitcoin PayPal Internet Banking Intuit E-TRADE SWIFT NASDAQ CHIPS ACH Page 5

7 Key Players The New Skrill Transferwise Zulutrade Kabbage SnapCap Rocket Nutmeg Metromile The Old Apple FIS IBM PayPal Square Page 6

8 Who s Investing Venture capital Crowd sourcing Financial services companies Technology companies Banks Deutsche Bank Partners with Microsoft, IBM and HCL to Launch Fintech Labs FinTech News Page 7

9 HOW IT WORKS

10 Four Examples Square Zulutrade Kabbage Nutmeg and don t forget blockchain (Bitcoin)

11 DLT Distributed ledger technology A network that records transactions through a common protocol Distinct from a centralized ledger Blockchain is the most common form of DLT Transaction information is embedded in a block which can be verified by other participants The more participants verify the block, the more secure it becomes The block exists on the network and the information in the block can be accessed with the correct permissions Page 10

12 Potential Applications Money laundering and cyber crime Legitimate money transfer Automobile title Diamond registry Corporate actions International Trade Credit L/Cs The list goes on, the hype precedes Page 11

13 SOME BENEFITS

14 Digitalization Faster processing Improved capacity Location agnostic, it s global Tailored products Transparency and greater competition Page 13

15 Big Data Deeper insight into customer needs Targeted marketing and delivery Intelligent systems Better decisions Improved customer service and smarter, leaner competitors Page 14

16 Disintermediation More competitors Non-bank competitors Niche providers Specialized competition and regulatory uncertainty Page 15

17 Page 16

18 SOME ISSUES

19 Treasury Issues Bank access systems Geographic distance Location of beneficiaries A B Trust Language A s Bank Timing and finality of payment B s Bank Concentration Bank A s Foreign Correspondent Central Bank Clearing Concentration Bank B s Foreign Correspondent Time zone Counterparty risk Page 18

20 Fintech faces challenges too Page 19

21 Leverage Fintech Invest in and use Fintech Integrated customer experience Mobile Collaborate Stress security Page 20

22 WHAT S NEXT

23 What s Next More investment More Fintech start-ups But also more failures Financial scandal/fraud Greater regulation for the start-ups KYC Redlining Anti-trust Privacy Page 22

24 Wrap-Up Daniel L. Blumen, CTP, Partner Phone (630) Mark K. Webster, CCM, CPA, Partner Phone (216) Treasury Alliance Group LLC Page 23

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