p. 1
@moseflo
API based business models powered by Fidor Bank
Fidor Bank AG
Florian Moser – Business & Product Development
p. 2p. 2
Break-even
First B2B customer
Fidor Smart account Bank /
Tecs focusingEU Banking
licenseCreation of fOS Build-up of
API-customers Profitability
Fidor-UK US-JV
2009 2012 2013 2014 2015 2016Community | KYC (in k)
Deposits (in EUR mn)
148 | 14
156
0.1
213 | 40
202
1.5
264 | 63
270
7.2
318 | 110
400
10.9Transactions(in mn)
Fidor Bank
p. 3p. 3
APIs will dominante Banking and transaction-based business models
Source: Let’s talk Payments, Programmable Web
p. 4
Selected API users
p. 5
SEPA payments (Direct Debit and Credit Transfer)
Segregated Account for licensed payment institutionsAPI connection and SEPA DD + SEPA credit functionalityDaily MT940 for account reconciliation Business + Segregated
Account
Customer SEPA accounts
Shops, platforms etc.
p. 6
block amount
Block Amounts and instant payments
Bitcoin Real-time trading incl. amount blocking on counterpart SEPA accountInstant SEPA transaction between Fidor accounts
Request Bitcoin
Initiate reservation and SEPA payment
p. 7
Peer to Peer Lending
Matching investors and lenders Real-time access to credit accountsFidor as regulated entity
Investors (private + institutional)
Acquire investors, risk affinity check, manage
payback etc.
Acquire and KYC borrower, initiate
credit payout, credit servicing
Borrowe (corporates + private)
API+Outsourcing
agreement
p. 8
Advertiser Payouts in real-time
Real-time access to account for transaction validation, accountingSimplified processesEasy payout to Publisher
Affiliate portal
Publisher (e.g., comparison
website)
Advertiser (e.g.,
e-Commerce shop)
Top up affiliate portal corporate
account
Payout to pusblisher
p. 9
Cryptocurrency market place management
Real-time access to account for informationReal-time booking between Fidor AccountsSEPA payment initiation
Buyer
Seller
Payout from wallet
Top-up wallet
p. 10
…and who knows where the journey might end
p. 11
Thank you!
Dr. Florian Moser Business & Product
DevelopmentFidor Bank AGSandstraße 33, 80335
MunichGermany [email protected]
@moseflo
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