Company &

Proposition

René Frijters

Founder and Customer

@rfrijters @Knab_nl

2

Vision

•  Customers  need  a  financial  plan  within  5  years  •  Earning  models  of  banks/advisors  will  change  •  Strong  believe  in  the  online  model  –  customer  is  

online  (mobile/web)  and  wants  to  be  in  control    •  Keep  innovaBng  to  keep  business  running  •  The  reason  ‘why’  you  exist  becomes  more  

interesBng  than  products  

Mission / WHY

Knab  helps  customers  to  get  a  beGer  insight  in  their  financial  situaBon,  become  smarter  with    their  money  and  reach  their  (financial)  dreams.      

Robustness  What makes Knab unique?

Ag

ility  

We build a bank with customers and unlocked their knowledge

We provide our customers with tools

and bring them solutions

We provide outstanding service

We introduced a completely new and transparent revenue model

We provide the customer with tools and smart solutions

Be  smart  NOW  

 • Easy  online  bank:  payments/savings/investments  

•   Financial  Dashboard  •   View  on  Cash  •   Personal  Savings  Alerts  

 Get  smart  for  the  FUTURE  

•   Financial  Planning  •   What  if  analyses  •   Basic  Scenarios  •   Indepent  Advice  via  Internet        

Smart  AlerBng  (based  on  big  data)    

Financial Dashboard All of the customers financial data in one overview, including assets at other banks

Digital View on Cash Overview of income and expense in graphs

Financial plan Assets/income forecast and scenario analyses

‘Big Data’ Analysis

Smart Alerts

Fin. Plan

Dashboard

Smart Alerting

Mobile banking

Challenges and Learnings

Organization

•  Greenfield  •  CreaBng  a  Dream  Teamis  essenBal    •  All  customer  driven  persons  with  IT-­‐affinity  •  Legacy  is  within  the  brains  of  people  •  Entrepreneurial  culture    

ICT

•  Don’t  start  to  fast  •  Responsibility  for  INTEGERATION  yourself  •  Different  cultures    •  Set  up  OTAP  in  early  stage  •  Test  responsibiliBes  •  NaBve  APP’s  are  expensive    •  Lean  Start  Up  method  

Marketing and Sales

•  Trust  takes  Bme  •  Online  Sales    •  Comparison  Sides  •  Instrumental  advantages    •  Above  the  Line  campaigns    •  Customer  Journeys  •  All  channels  •  SpoBfy  model  

Uitdaging Marketing / Verkoop

Have Fun (birthday pranks)