Klarna：2019年金融科技颠覆者报告(英文版)(32页).pdf

1、1 F I N T E C H D I S R U P T O R S 2 0 1 9 REMOVING ROADBLOCKS THE NEW ROAD OF FINTECH F I N T E C H S N E X T W A V E 2 M E T H O D O L O G Y Fintech Disruptors Report EMEA 2018, in its fourth year, is a temperature check on the status of digital financial services and the role of traditional fina

2、ncial institutions and fintechs in providing consumers with secure, easily accessible and value-for- money services and products. The report, carried out by MagnaCarta includes the results of a survey of 5,000 professionals within banking, financial services and fintech across Europe, the Middle Eas

3、t and Africa. In addition, interviews have been conducted with 24 experts across the region. 1 C O N T E N T S Sponsor Introduction 2 Executive Summary 3 BUILDING BLOCKS Relevance 6 Case study: Revolut 10 Openness 11 Case study: Metro Bank 15 Automation 16 Case study: Santander UK 20 Data 21 Case st

4、udy: Klarna 26 Interviewees 28 Imprint 29 “IN THE PAST, A SHARED SUPPLY CHAIN HAS BEEN CRITICALLY OVERLOOKED BY BANKS, WHOSE SPEND WOULD RATHER GO TOWARDS CONSULTING HOUSES AND VENDOR SOLUTIONS. THIS IS THE FIRST TIME THAT WERE DEVELOPING A SUPPLY CHAIN OF FINTECHS THAT ARE PROVIDING SOLUTIONS THAT

5、CAN EITHER PLUG INTO THE PRODUCTS THAT WE ARE DEVELOPING, OR THAT WE CAN PURCHASE AND INCORPORATE INTO OUR CLIENT VALUE PROPOSITIONS.” Liesl Bebb-McKay, Head of the FOUNDeRY, Rand Merchant Bank 2 S P O N S O R I N T R O D U C T I O N In 2018 the term Fintech finally entered the dictionary. The term

6、is part of our everyday industry speak but it is now in the wider lexicon. The definition is: “prod- ucts and companies that employ newly developed digital and online technologies in the banking and financial services industries” whichof course is factually correct. However, in my opinion, it is lac