Published on February 11, 2013
B-to-B Opportunities with Fidor Group
Content B-to-B Opportunities with Fidor Bank AG B-to-B Opportunities with Fidor TecS AG B-to-B Opportunities with Fidor PayS GmbH Appendix – General Information on Fidor Group Appendix – Markets we are working in… 11.02.2013 2
B-to-B Opportunities for E-Commerce Merchants with Fidor Bank AG Fidor Bank’s Basic Offer for Corporate Customers Corporate Wallet All you need as a merchant for fast and secure online and mobile payment. Corporate Account Fidor Bank offers a corporate account for SEPA and Non-SEPA payments. Until the end of Q2, Fidor Bank will combine the flexible, secure and low cost payment methods with an interest rate paid on deposits. In combination with PSP-services reconciliation only in one account. Community Access Inform Fidor Bank users (currently 160.000) about your community offer. Share offers within the community. Attract new customers and increase conversion rate. I don´t want to waste my time on administration. I want to improve my core business. Note: Payments to and from Fidor Bank users are always real-time. Easy to manage and cost-effective. 11.02.2013 3
B-to-B Opportunities for Business Customers with Fidor Bank AG –Direct Offer Payment against Installment and against Invoice Increase your attractiveness and customer acquisition by offering more flexible payment terms. Fidor Bank can act as your financing partner. Working Capital Fidor Bank is planning to set up a flexible and tailor-made service that offers easy to access working capital for online merchants. White label Prepaid Card Increase customer retention and stickiness. Issue a personal prepaid card for your individual customer. SEPA Bank Transfers Fidor Bank offers cost-effective and easy to use API services. BUSINESS CUSTOMER PSD Services „My secret for success? An independent partner bank, that Fulfill PSD requirements with your platform. helps me to increase my revenues.“ APP Integration Be part of the FidorPay account. Leverage your customer attraction on Fidor Banks customer/user base. 11.02.2013 4
B-to-B Opportunities for Business Customers with Fidor Bank AG –Partner Offer Payment against Installment and against Invoice By end of Q2 Fidor Bank will be the underwriting bank towards two major Payment Service Providers offering Payment against Invoice and Payment against Installment. Working Capital Fidor Bank is planning to set up a flexible and tailor-made service that offers easy to access working capital for online merchants. BUSINESS CUSTOMER „My secret for success? An independent partner bank, that helps me to increase my revenues.“ 11.02.2013 5
Content B-to-B Opportunities with Fidor Bank AG B-to-B Opportunities with Fidor TecS AG B-to-B Opportunities with Fidor PayS GmbH Appendix – General Information on Fidor Group Appendix – Markets we are working in… 11.02.2013 6
B-to-B Opportunities with FidorTecS AG You are a bank, online merchant, web 2.0 company, logistics company, financial services entrepreneur or for any other reason interested in a modern banking and payment infrastructure? We offer you the tailored product for your specific needs: White label / Franchising Increase your revenues and customer retention by providing a state of the art, flexible payment and banking platform to your customers. Benefit from Fidor´s community, banking and payment platform and shorten your development cycle. Related Services IT DECISION MAKER OF A MAJOR BANK Fidor Bank offers hosting according to the high security banking standard, front-end development, internet security and IT „I know, that I need a speedboat consulting. partner to support me in adressing the needs of my digital native customer groups.“ 11.02.2013 7
Content B-to-B Opportunities with Fidor Bank AG B-to-B Opportunities with Fidor TecS AG B-to-B Opportunities with Fidor PayS GmbH Appendix – General Information on Fidor Group Appendix – Markets we are working in… 11.02.2013 8
B-to-B Opportunities with Fidor PayS GmbH We support all major national and international payment methods. One of our distinguishing feature is the new payment method FidorPay. This means that both, micro and macro payments, are processed in real-time, secure and cost-effective. „I need a Banking Partner that understands to handle the virtual currency of my virtual gaming world.“ 11.02.2013 9
B-to-B Opportunities with Fidor PayS GmbH Game publishers and developers have responded eagerly to the ability of FidelisPay to offer credit- based “in-game wallets,” since the Fidelis wallet technology can manage both real currencies and virtual currencies for specific games. The FidelisPay wallet system can be used for quick payment for digital merchandise during a game as well as for Gamer2Gamer and P2P transactions. By combining the FidelisPay wallet technology with the services of Fidor Payment Services GmbH as a worldwide payment service provider, entertainment publishers and developers can obtain cost-efficient and legally compliant in-game wallets with powerful, real-time deposit and withdrawal abilities – and all from a single source. Exclusive Distributor: arvato » ENTERTAINMENT EUROPE Sonopress GmbH Carl-Bertelsmann-Str. 161 F 33332 Gütersloh (Germany) 11.02.2013 10
Content B-to-B Opportunities with Fidor Bank AG B-to-B Opportunities with Fidor TecS AG B-to-B Opportunities with Fidor PayS GmbH Appendix – General Information on Fidor Group Appendix – Markets we are working in… 11.02.2013 11
Fidor Group´s structure is set up to serve focused customer groups - withclearly identified core-competencies. Fidor Group „trusted partner for digital assets & global peer-2-peer“ Unit Core Tasks• Retail and corporate banking • Development and sales of e-commerce products and • International payment transactions• Community centered communication services • Cash-Management platform• Innovation and method leader • Development of banking administration software • Cash management of digital assets• Transparency & freedom banking • Organization advisory for software solutions • eWallet System for c2c, c2b, b2b, b2c transactions• State-of-the-Art technology • Operating services Target Customers• Retail and corporate customers with high web • Telecommunication (NFC Payments, e-Commerce) • Banks and other financial institutions affinity • Retail (Safe & Secure Payments) • Large online merchants and marketplaces• Institutions needing affiant payment solutions (e.g. • Publishing (Single & recurring Micropayments) • Mobile & web operators SEPA) • Gaming (In-game-accounts, peer-to-peer accounts) • Publishers USP• Freedom & Transparency • Easy & Cost-effective • Innovation & Individualization 11.02.2013 12
Fidor Bank´s Concept is Tech-driven but Culture-enabled. “Web 2.0” • Peer to peer banking via FidorPay account/ wallet Community, • Crowd-sourcing – peer-to-peer support (e.g. discussing & solving financial questions), experience sharing, product ratings etc. Interaction & • Crowd-funding – Rewards for social interaction and collaborative action via third-party platforms Transparency • User driven products and prices (e.g. Facebook Like Interest Rate) • Web 2.0 – Focus on social interaction within communities and peer-to-peer In the Center of • Mobile – Higher social media activity and involvement by being “always online” and being at the forefront of the transition from highly attractive pocket money towards e-money Growth markets • Gaming & eCommerce – Participating on the convergence of traditional/ offline lifestyle towards the digital lifestyle; virtual currencies, money transfer to twitter and/ or facebook accounts, etc. • Highly scalable platform allowing 2,000 registrations and 500,000 transaction per hour State-of-the-art • Digital Multichannel approach for an enhanced and unique banking experience combining mobile, online and social media Banking Infrastructure banking • Standardized interface enables fast and easy integration of proprietary and third-party applications to increase customer value Internet-Company • Full European banking license with Full Banking • Well-experienced management with complementary skill sets in banking, IT & Internet License • Innovation leader with the goal to become one of at least Europe’s leading digital money & banking companies Multiple • Net interest income from balance sheet related business Revenue • Commission income from white-label and franchise partner solutions Streams • Commission income from own proprietary cash management platform FidorPay 11.02.2013 13
Besides the traditional banking functions, Fidor Bank offers a List ofawarded innovative Payment- and Banking-Services. Crowdsourcing Real time banking e. g. with a user-community, that allows peer-to-peer support, FidorPay transactions are executed real-time, no matter if week- or sharing of experiences and cooperation in order to solve financial Sunday. questions. Digital Saving Certificates Bonus-Scheme Classical Product to be set up easily a digital way. e. g. by getting paid by the bank for specific social interactions within Fidor Bank´s Community. Customer Ratings First European bank, that allows customer ratings on own products User co-designed Products and user driven Prices and products of all other financial services partners. e. g. product suggestions, „Zins-Consenus-Group“ , within the community, Like-Zins“, an interest rate that is directly connected to Mobile Banking APP including community the amount of Likes on Fidor Bank´s Facebook profile. Users can place their money-questions into the community while being at their advisors. Crowdfunding via a number of 3rd party platforms such as startnext, united equity, flattster and others. Peer to Peer lending And more to come! within FidorPay Account or via 3rd party offer like SMAVA. Global Payment offer … will allow global „account to account“ payments or „account to cash pick up“ Virtual Currencies that allow participation in alternative/digital environments like Games and Social Media. 11.02.2013 14
To make it short:“Fidor Bank: the most innovative bank concept out there… “
Feedback Web/User/Customers „… Lassen Sie mich aber vorab schon mal sagen, dass die Idee und Umsetzung der Fidor Bank für mich eine wirklich tolle Geschichte ist und alles was im Netz im Moment im Bereich "Social Media" unterwegs ist bei weitem übertrifft. Die gesamte Strategie ist durchdacht und stringent umgesetzt und befriedigt die Bedürfnisse des Marktes in einem hohen Maß. Für mich als Außenstehenden ist die Fidor Bank ein "Great Place to Work" mit einem sehr anspruchsvollen, glaubwürdigen und vertrauensvollem Ansatz. In ihrem Unternehmen wird die Idee Social Media wirklich verstanden und glaubhaft gelebt….“ Aus einem Mail an M. Kröner 11.02.2013 16
Feedback international 11.02.2013 17
Content B-to-B Opportunities with Fidor Bank AG B-to-B Opportunities with Fidor TecS AG B-to-B Opportunities with Fidor PayS GmbH Appendix – General Information on Fidor Group Appendix – Markets we are working in… 11.02.2013 18
Huge Internet Development – e-Commerce: Growth Boom +2100%within 10y. • e-Commerce turnover in 2011: 29.5bn compared to 1999: 1.3bn (+2100%) • 14% of all company earnings in the EU come from the internet (GER: 16%) • Almost every second person over 14 years has already shopped on the internet • 55% of all tourists inform themself online, 33% book also online; In 2000, it was only 2% • In the 6.8bn euro market of non-prescription medicines, the market share of the mail order business is more than 11% • In the 9bn euro market of heavy books, the market share of online retailers is roughly 18% (2007: 8.9%) • The internet is also changing the pedestrian areas: 5.4% less than the year before passersby visited German pedestrian zones
Huge Internet Development – Social Media: The fast-paced digital world ischanging the way of communication, every 60 seconds… • 695,000+ Facebook status updates (79,365 wall posts plus 510,040 comments) • 694,445+ google search queries • 370,000+ minutes voice calls on skype • 98,000+ tweets (320+ new twitter accounts) • 13,000+ iPhone applications downloaded • 1,500+ blog posts • 600+ new YouTube videos (25+ hours total duration) • 70+ domains registered
Huge Internet Development – Mobile Internet and Payment: 1.6 billionsmartphones in 2016 will dominate the payment market. • 1.6bn: Total number of smartphones projected 2016 • 77min/month: Average time spent on the smartphone (US) • 144m: Smartphone owner in the US • 400m: Digital iTunes accounts • 110m: Digital PayPal wallets • 90% of all mobile users check their balances or look at recent transactions • 42% of mobile banking users have transfered money between accounts • 21% of the smartphone users who have used smartphone to do mobile banking
Huge Internet Development – Gaming: The virtual world is creating moreand more real assets. • Disney acquired Playdom for $763m • EA acquired Playfish for $400m • $54bn is the mobile gaming industry reached by 2015 • $6bn is predicted by experts to be spent by internet users on virtual goods in 2013 • 83% of social gamers in the US/UK have purchased a virtual gift • 83% of participants use Facebook tot play online games • 41% of users have made repeat purchases in social games
Contact Information Fidor Bank AG Sandstraße 33 D-80335 München Zentrale: (089) 189 085 233 Fax: (089) 189 085 199 E-Mail: email@example.com Internet: www.fidor.de FIDOR Bank AG, Sandstrasse 33, 80335 München. Telefon 089 - 1890 85 100; E-Mail: info(at)fidor.de / Aktiengesellschaft, Sitz der Gesellschaft: München Handelsregister: Amtsgericht München, HRB 149 656 / Bankleitzahl: 700 222 00 Vorstand: Matthias Kröner (Sprecher), Dr. Michael Maier, Steffen Seeger; Vorsitzender des Aufsichtsrats: Dr. Gerhard Huber 11.02.2013 23
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