2. THE BIG PICTURE 1

3. The Driving Forces of FinTech: E and R What is holding FinTech back? REGULATORY PATCHWORK COMPLIANCE DIGITAL FINITY TECH: GAFA ICT is GPT Writing 3500 BC Printing 1500 AD Steam Engine 1790 AD Electricity 1890 AD

5. THE WINNING GAME CATEGORIZE COMMUNICATE CONVINCE CREATE 2

6. 30 AREAS OF FINTECH IN COMPETITIVE/COOPERATIVE VIEW RiskTech Digital Currencies Others RegTech Compliance COOPERATION Video Banking Interbank Blockchain ATM Innovation Neo-Banks Back-Office Blockchain APIs IoT P2P Lending Virtual Reality Crowdfunding Biometric Identification Digital Identity Micropayments Wearables Augmented Reality Personal Finance Dashboards Roboadvisors Social Trading Big Data Back-Office Artificial Intelligence Wallets Phone-Related-Solutions Remittances Card Substitutes COMPETITION 15 000 Companies USD 150 bn Invested InsureTech

8. COMPLEXITY: FIVE DIFFERENT, REFINED GAMES TO BE PLAYED BY BANKS RiskTech Digital Currencies Others RegTech Compliance COOPERATION Video Banking Interbank Blockchain ATM Innovation Neo-Banks Back-Office-Blockchain APIs IoT P2P Lending Virtual Reality Crowdfunding Biometric Identification Digital Identity Micropayments Wearables Augmented Reality Personal Finance Dashboards Roboadvisors Social Trading Big Data Back-Office Artificial Intelligence Wallets Phone-Related-Solutions Remittances Card Substitutes COMPETITION InsureTech TO PROVIDE SUPERIOR INFORMATION SECURITY TO ENSURE BANK-LEVEL SECURITY TO COMMUNICATE THE SECURITY VALUE-CHAIN TO FOLLOW TRENDS FINTECH COMPANIES SPECIALIZED IN INFORMATION SECURITY

12. Oversharers Anonymous - Session One by US Bank Oversharers Anonymous - Session Two by US Bank Follow Tami and friends on their journey to improving their online security. You can pick up some security tips, or learn what to do if you are the victim of identity theft or fraud. Tami Dating

14. BANKING REPORTS Metcalfe’s Law: EXPONENTIAL IS THE NEW LINEAR? Metcalfe's law states that the value of a telecommunications network is proportional to the square of the number of connected users of the system (n x n). P2P Lending, Crowdfunding Social Trading Remittances Clearing

15. BANKING REPORTS Why Old People Buy / Not Buy Digital Services

17. BUT WHO ARE THEY? From PSD2 XS2A Perspective MNOs GAFA Chinese Tech Moven/PayPal/TransferWise ForEx Social Trading Gaming THE SMART BANKS

18. BANKING REPORTS Moven from New York: Success x Risks = ?

19. EXAMPLES FROM AROUND THE WORLD 3

20. Continuous Authentication BehavioSec analyzes activity from login to logout, looking at behaviors like keystroke dynamics, touch and mouse motion, and compares it to previous interactions from the same user. It creates a session ticket and a score, using the full score from the session. That score is fed into your risk engine, so you can automatically step up security if you need to. You can also use BehavioView dashboard to see the score breakdown, and identify behaviors or anomalies BehavioSec has flagged. Adaptive Security The algorithm stays up to date with user behaviors and skills, so that as they change and improve, so does the security layer — reducing false positives. The core algorithm is continually improved for session-based intelligence and enhanced role- based management. Machine learning algorithm to spot individual anomalies in real time.

21. Heartbeat Bracelet Login

22. Voice Intelligence Lloyds Banking Group has collaborated with security firm, Pindrop, to roll out the latest telephone fraud prevention technology, which creates an ‘audio footprint’ of each call by analysing 147 unique call features such as location, background noise, number history and call type. The Phoneprinting technology highlights any unusual activity, identifies potential fraud cases and flags up any potential criminal activity – without the need for customers to provide any additional information. + USA, UK, India

23. Anti-Phishing Card man in the middle attacks two-factor authentication rather than numeric one-time passwords resistant against phishing sites

24. ID Now Explained https://www.miteksystems.com/mobile-verify Digital Onboarding via Smartphone Secure & legal personal identification and electronic signatures for the digital age. Video-Ident: Verify customers online - reliable and optimized for conversion Integrate IDnow into your offering within a few hours: IDnow verifies your customers via web browser or smart phone EU-wide. Fast and reliable. IDnow eSign: Bring your customer acquisition into the digital age with legally binding, digital contract signing. The final element for your digital customer experience: Digital signatures in your customer acquisition channels cut process costs and optimize your customer experience.

25. THANK YOU FOR YOUR ATTENTION!