1. Three Fintech Questions that Matter in 2019
LendIt USA 2019

2. What banking products should Fintech focus on in 2019 and beyond?

3. Unbundling the Bank
complaints related to Upgrade asking for too many docs during app review = highest contributor for root cause “Income Verification Standards”

4. Top 4 Banking Categories by Revenue
Source: Brokerage:
Asset Management: McKinsey North American asset management in 2018: file:///C:/Users/rlaplanche/Desktop/North-American-asset-management-2018-vf.pdf
US Payments revenue include both banks and Fintech:
Lending revenue is net interest income of US banks in 2017:

5. Payments Has Higher Fintech Penetration
Source: EY FinTech Adoption Index 2017

6. What rebundling strategy is most effective for Fintech firms?

7. Bundle Examples Free Product Monetized Product
User acquisition, retention and/or data benefits
Deposit account
Credit monitoring
Financial education
Brokerage/Investment
Payment
Credit

8. Bundle #1: Credit Education + Personal loans
Low Fixed Rate
Responsible Credit
Credit Simulator Users Perform Better On Their Loans

9. Bundle #2: Payment Card + Personal Loan
Credit Cards
Personal Loans
Convenient, Flexible
Accepted Everywhere
Enables Mobile Payments
Low Rate
Fixed Rate
Responsible Credit

10. Building Winning Bank / Fintech Partnerships in 2019

11. Good partnerships play to each partner’s strengths
Phase I
Functional Partnerships
Banks
Fintech
Low cost of capital
Low cost of operations

12. Good partnerships play to each partner’s strengths
Phase II
Expanded Relationship
Banks
Fintech
Brand
User Experience
Product Mix
Customer Relationship

13. Thank You