1. FinTechs in China
Presentation held by Laura Mathy, Rachel Gilsoul, Bruno Mizzulinich, Markus Volk

2. Agenda Introduction Investment and Funding
Comparison to Worldwide Market
Major Market Sectors
Regulations
Conclusion

3. Problem Statement
Unique features of the financial system in China with respect to FinTechs and impacts generated by FinTechs on the Chinese banking sector

4. Introduction
Unmet Needs Easy Access to Capital Regulatory Facilitation

5. Structural Reasons Chinese population unbanked
Market underserved by banking corporations
Homogeneous, uncompetitive and unimaginative offering

6. Convenience Reasons Attracting fees
Better online experience and functionality
Access to different products and services
Easy to set up and better service quality

7. Increase of Fintech Funding & Financing

8. Reasons for Increase in Funding

11. Different Markets for FinTechs
Money Transfers & Payments Savings & Investments Insurance

12. Money Transfers & Payments

13. Savings & Investments
Bai Fa
Li Cai Tong
Yu’e Bao

14. Insurance

15. Regulation
Banks are highly regulated as they are connected to personal wealth and well- being
FinTechs offer nearly same services, but are not regulated
Blessing for FinTechs - Nightmare for consumers?
Regulatory framework important -> committee going to be set up soon
RegTechs could help and improve supervision?

16. Conclusion
Contrast in China: Fast growing economy and slowly financial system reforms
Government supports FinTechs to fill the supply gap of financial services (rural area & SMEs)
It‘s on the government/supervisors to ensure that FinTechs will be a blessing, not a nightmare, for the Chinese population -> supervision will be a major task

17. Q&A