GFT PPT Template€¦ · Med Ridha Ben Naceur, Head of Digital Transformation - GFT Technologies SE 2019-02-21 LBBW-Unternehmensforum Embedded banking

Med Ridha Ben Naceur, Head of Digital Transformation - GFT Technologies SE

2019-02-21

LBBW-UnternehmensforumEmbedded banking

2GFT GROUP

Shaping the future of digital business

CONFIDENTIAL

2.016

3.131

4.050

4.870 4.740

2013 2014 2015 2016 2017

20/02/2019

Shapingthe futureof digitalbusiness

Als erfahrener Technologiepartner treibt GFT die

digitale Transformation der Finanzbranche voran.

Mit fundiertem Branchenwissen beraten wir

weltweit führende Finanzinstitute und entwickeln

maßgeschneiderte IT-Lösungen – von der

Banking App und Handelssystemen über die

Implementierung und die Wartung von Platt-

formen bis zur Modernisierung von Kernbank-

systemen. Unser globales Innovationsteam

konzipiert darüber hinaus neue Geschäftsmodelle

mit Fokus auf die Themen Blockchain, Cloud

Engineering, künstliche Intelligenz und Internet

of Things über alle Branchen hinweg.

5.500Beschäftigte

GLOBAL DELIVERY WORKFORCE *

Mitarbeiterzahlen (FTE gem. IFRS)* davon 760 externe Arbeitskräfte

26,4%

9,7%

63,9%

€ 419 Millionen

UMSATZ

SOFTWARE-

LÖSUNGEN

APPLICATION

MANAGEMENT

UND

OUTSOURCINGBERATUNG

MITARBEITERENTWICKLUNG AKTIONÄRSSTRUKTUR

Ulrich Dietz Maria Dietz Free Float

3GFT GROUP


CONFIDENTIAL

GFT: global verknüpft – vor Ort präsent

20/02/2019

Canada (10)

Toronto

USA (60)

Boston

New York

Costa Rica (105)

Mexico (200)

Heredia

Mexico City

Alphaville

Curitiba

Sorocaba

Brazil (680)

UK (200)

London

Spain (2270)

Alicante

Barcelona

Lleida

Madrid

Valencia

Zaragoza

Poland (710)

Lodz

Poznan

Warsaw

Germany (440)

Bonn

Eschborn/Frankfurt

St. Georgen

Stuttgart

Italy (780)

Florence

Genoa

Milano

Montecatini Terme

Padova

Piacenza

Siena

Torino

Switzerland (50)

Basel

Zurich

Numbers include employees (FTE) and external workforce

4GFT GROUP


CONFIDENTIAL

Führende Unternehmen vertrauen GFT

20/02/2019

Finanz-dienstleistungs-spezialist

Versicherungen

Capital

Markets

Retail

Banking

Private

Wealth

Industrie

5GFT GROUP


CONFIDENTIAL

CloudVirtual

Reality

Distributed

Ledger

Technology(Blockchain)

Künstliche

Intelligenz

Wesentliche Technologietrends

20/02/2019

IoT

Big

Data

6GFT GROUP


CONFIDENTIAL

Embedded banking

20/02/2019

embedded banking

is about creating and

integrating an extended

service ecosystem to

better serve and interact

with customers partners,

competitors ...etc.

Imagine: Banks will be able

to provide banking products

just-in-time.

driven by disruptive

technologies banking

processes are being

integrated into trade,

production, and supply

chain processes. being an

Embedded Bank means

operating like a “platform

company”

providing a range

of financing and risk

mitigation solutions

designed to optimise

working capital and

liquidity in domestic

and international

supply chains

containers that pay

for their transport by

themselves passing

through logistical

gates, or machines

that charge their

production costs

directly to the customer

The Internet of Things

(IoT) and Industrial

Internet of things (IIIoT)

with its actors

and sensors, each

equipped with for e.g.

payment functions, is

going

to exponentially

increase the variety

of such cases

7GFT GROUP


CONFIDENTIAL

From MaaS to embedded banking

20/02/2019

Type here if add info needed for every slide

MaaSManagement

As a Service

SaaSSoftware

As a Service

BaaSBank

As a Service

BaaPBank

As a Platform

EBEmbedded

Banking

Stage 1 Stage 2

Manage it Migrate it

From MaaS to Embedded Banking

Use it

Stage 3

Consume it Build it Integrate it

Stage 4 Stage 6 Stage 7

IaaSInfrastructure

As a Service

Agnostic

Banking

security

policy Mgmt.

authentication

disaster Recov.

billing

Monitoring

networking

applications

storage

operating Systems

scalability

access anytime

rich UX

Community

ecosystem

CRM

ERP

products

service providers

functionalities

API’s

app development

regulation

open banking

Infrastructure

security

innovation

ecosystem

payments

P2B

B2B

M2M

SaaS

8GFT GROUP


CONFIDENTIAL

Embedded Banking – the new banking ecosystem

20/02/2019


Embedded Banking integrates supply chain with the flows of physical goods, information and financials by providing buyers and sellers with service platforms and tailored solutions

supplier solutions

receivables

An ecosystem of partners provide

advanced services to all participants

Integration

Portfolio of Solutions

Banks and FinTech

Platform and Service Provider/Ecosystem

Onboarding process Payments Tarde Finance Corporate Finance Cash and Liquidity

Management

Smart Financial Services

Treasury Risk

Management

supplier buyer

goods, services

convergence of

buyer and supplier

solutionsEm

bedded B

ankin

g

Moneta

ry F

low

buyer solutions

approved payables

*Platform Providers can be Banks or Non Banks

9GFT GROUP


CONFIDENTIAL

Future needs for embedded banking

20/02/2019


Finance 4.0 Tools: Increasing Financial Inclusion

Implementing Solutions

Refinancing/

Recapitalisation

Embedded

Banking

Software

Finance

Transition Finance-

Extended Payments

plans

Purchase

order

management

Payment

and Cash

Management

Working Capital

Solutions Pay for

manufacturing

outcomes

Pay to access/use equipment

and Technology Finance

Trade Risk

Mitigation

Trade

SC

Financing

Trade

Transaction

Processing

and

Management

Asset-based

Finance

Supplier

Partnering

Use of Bitcoin

in Payments

Acquisition/

Growth

Finance

Global Payment PlatformPeer to Peer global payments in real-time

SC Financing PlatformApproved Payables Financing

Receivables market placemulti-lender global receivables market place

Supply Chain Managemente-invoicing, cloud based supplier portal,

and buyer/supplier collaboration tools

API and Developer PlatformAPI’s for customer solutions on the fluent

network

10GFT GROUP


CONFIDENTIAL

Embedded banking drivers

20/02/2019

Four key drivers that are defining the embedded banking in industry 4.0


New business models

digitisation is opening up a whole new spectrum of

opportunities to create value. The rise of platforms is

transforming the business landscape from “Do it yourself”

to “do it with us” where disruptors are able to leverage

new technology platforms to drive business innovation.

These platforms provide connected, collaborative and

scalable approach to wide range of business models

Regulation

banks and companies are dealing with complex

regulatory requirements. Open Banking, the Second

Payment Services Directive (PSD2), and the General

Data Protection Regulation (GDPR) will deliver as many

risks as rewards

Digital transformation

with supply chain management shifting its focus

from reducing costs to driving growth and mitigating

risks, the need for companies to make a digital

transformation is more real than ever. With automated

processes and near-/ real-time information, companies

can respond more quickly and accurately to any potential

business disruptors

Technology disruption

disruptive technology shakes up a supply chain and

has the potential to completely change how products

are manufactured, distributed, and tracked through:

connected ecosystem, intelligent processes, cognitive

analytics, autonomous fulfilment

11GFT GROUP


CONFIDENTIAL

how will it be funded using banks

or a third-party funder?

creation of a ecosystem based on full implementation

of a wide range of digital technologies allowing

transparency to enable companies react to

disruptions plus creating “what-if” scenarios

selection of the right technology platform

and financing partner

virtualised processes to increase efficiency

and cutting costs through digitalisation

legal structure

how to enable new models of receivable

finance, supported by data, technology,

and new underwriting models

bank or non-bank platform

share information and uncover meaningful

insights using exponential technologies

Industry 4.0 challenges

20/02/2019


innovative funding business models digitisation of service offering

digitisation of trade documentation digitisation and integration of FSC

Industry

4.0

12GFT GROUP


CONFIDENTIAL

Market place

20/02/2019


evolving

finance

embedded finance:

Real-Time monitoring allows integrated technology and finance

arrangement for business outcomes and services

business process

management

Pay-Pay for outcomesSubscription based model Data-Driven model

increasing

digitalisation

digital banking

providers/

new players

Connectivity

Automation

Information

IoT Monitoring (real-time

two-way connectivity)

Real-time big data analysis

and predictive analytics

Speed of transactional flow

Integration with banking system

Simplicity

Structured workflow, easy

Accessibility by all parties

Flexible connectivity to various core

systems

financial supply

chain services

integrated

solutions

Configurable

SaaS

Platform

Pla

tfo

rm

Treasury

Cash Management

Liquidity Risk

Investment

Procurement

Cost

Sourcing

Supplier Risk

Finance

Process

and Compliance

Cost Reduction

Standardisation

Integrated Supply Chain

IT Work Streams

Market place

Technology solutions can be enabled for stakeholders along the

supply chain through the marketplace, providing them with access to a

wide range of financial institutions and enabling them to sell invoices

directly to investors, including banks, hedge funds, and private equity

firms. In such a model, the suppliers and buyers can choose a funder

among investors registered on the platform and based on the specifics

of the transaction, geography, and price

Mark

et

pla

ce

Scalability

Efficient problem solving with integration

and operationalization

13GFT GROUP


CONFIDENTIAL

Selected use cases

20/02/2019


1. KYC/KWS

2. payments

3. insurance

4. procurement

group

platform for information regarding corporates and their management incl. Identity, commercial register information,

balance sheet and especially bank account information.

Interface to ERP-Systems where supplier and customer static data are created based on the in formation provided by the

platform. Automation of the process and Fraud Prevention using only known and “certified” information regarding bank

account (a seal for authenticity!)

optimisation of payment process taking into consideration special discounts (Skonto) for certain payment terms.

On the other hand, Managing the volume of purchase based on price scale (exp.: 0–100 units a year you pay 1$/unit.

>100 you pay 0.9$/unit. System gives information/alert automatically: til 10 Units to get 0.9$ unit price)

there is a big opportunity to segregate the insurance products with usage based insurance. Insurance models based on

pay per drive and pay as you drive or pay how you drive has the potential to be accepted in the market, the model can

be developed through on board system data to create a risk profile for the driver

a platform for a purchase group where needs of different corporates are consolidated to reach better conditions through

higher volume. The bank can be a service provider for that as it has information about the customer and supplier side

A company can select the technology platform best suited to its requirements from a range of vendors and at varying degrees of functional complexity

14GFT GROUP


CONFIDENTIAL

Future needs FS for embedded banking –some key takeaways on embedded banking

20/02/2019


The industry will move toward an Open API ecosystem that will create a connected network

Banks connect with third-party providers to implement new business Models

Customers will have seamless access to products and services from a range of financial services providers

Cloud Platforms will enable easy digital collaboration

Regulatory demand of increased transparency in transactions

The need for intermediaries and supervision will be reduced as Blockchain ensures trust between network participants for various transactions

Shaping the future

of digital business

GFT Technologies SE

Med Ridha Ben Naceur

Schelmenwasenstr. 34

70567 Stuttgart, Deutschland

T +49 711 62042-462

[email protected]

Documents

GFT PPT Template€¦ · Med Ridha Ben Naceur, Head of Digital Transformation - GFT Technologies SE 2019-02-21 LBBW-Unternehmensforum Embedded banking