桑坦德银行报告：重启金融服务

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1、TheFintech2.0Paper:rebootingfinancialservicesWhyapaperforFintech2.0?ThispaperforFintech2.0hasbeencreatedbySantanderInnoVentures,incollaborationwithitspartnersOliverWymanandAnthemisGroup.ThepurposeofSantanderInnoVenturesistohelpSantanderdeliverbetterservicestoourcustomersthroughinnovation,andtosup

2、portanewgenerationoffintechstart-upsontheirgrowthjourney.Webelievethesegoalsareinextricablyintertwined.OliverWyman’sInnovationPlatformhasbeenestablishedtoadvisebothitstraditionalclientbaseandfastgrowthfintechfirmsonthetransformationalchangethatiscurrentlyunderwayinthefinancialservicesindustry.Man

3、yfintechshavesucceededbuttodaytheyarestilloperatingonlyattheedgesofbanking.Tohelpengineermorefundamentalimprovementstothebankingindustry,theymustnowbeinvitedinside,tocontributetoreinventingourindustry’scoreinfrastructureandprocesses.Thatcansucceedonlyasacollaborativeendeavour,withbanksandfintechs

4、workingtogetheraspartners.ThispaperhighlightsthebenefitsofcollaborationandidentifiessomeoftheopportunitiesforprofitablechangeinrealisingFintech2.0.Wehopethewholeindustry–bothbanksandfintechs–recognisethevalueofthisapproachandjoinusinthiscollaborativejourneytoFintech2.0.MarianoBelinky,EmmetRennick

5、,AndrewVeitch,ManagingPrincipal,SantanderInnoVenturesHeadofInnovation,OliverWymanDirector,Anthemis2Contents1.Fintech2.042.ApplicationsfortheInternetofThings62.1.Cuttingcostsintradefinance82.2.Improvingvaluationaccuracyofrealassetsinleasingandassetfinancing103.Beingsmarterwithsmartdata124.Embeddin

6、gdistributedledgertechnology145.Creatingfrictionlessprocessesandproducts165.1.Opportunitiestoreducefrictioninthemortgageprocess165.2.Frictionlesssavingandinvestment186.Conclusion:achievingFintech2.0together1931.Fintech2.0Bankscanboastofsomeimportantinnovations.ATMs,creditcards,securitisation,swap

7、sandmobilebankingarenowtakenforgranted,buteachwasground-breakingwhenfirstlaunched.Overthelastdecade,however,anewsourceofinnovationinfinancialTheimpactoffintechstodateserviceshasemergedfromfinancialtechnologystart-ups(“