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Arshad Rab | European Organisation for Sustainable Development
Innovating Banking & Finance for a Sustainable Future
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THE AGE OF BIG BANG DIS RUPTION
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Innovating Banking & Finance
Why
Leading with Responsibility
What next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What Next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What Next?
For a Sustainable
Future
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Innovating Banking & Finance
Why
Leading with Responsibility
What Next?
For a Sustainable
Future
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THE WHY OF INNOVATION
4
3
2
1
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THE WHY OF INNOVATION
Banking &
Finance
Natural Resources & Environmental Disruption
Disruptive Trends
Society
4
3
1Non-Bank Digital Entrants & Technological
Disruptions
3
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THE WHY OF INNOVATION
„"Banking is essential, banks are not."
- Bill Gates
"Are banks an endangered species?"
- Ralf Hammers, CEO of ING Group
The Emergence of Non-Traditional Competitors
Non-Bank Digital Entrants & Technological Disruptions1
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THE WHY OF INNOVATION
Billions US$
Source: Citi & CB Insights | Citi GPS: Global Perspectives & Solutions | March 2016
Total Investments from 2010 to
2015: 41.3 Billion
US$
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THE WHY OF INNOVATION
Source: CB Insights | The Pulse of Fintech Report, Q2 2016
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THE WHY OF INNOVATION
SMB Tools
Consumer BankingPayments
&Transfers
Banking Infrastructure
Security
Retail Investments
Lending & Financing
Research & Data
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THE WHY OF INNOVATION
SMB Tools
Consumer BankingPayments
&Transfers
Banking Infrastructure
Security
Retail Investments
Lending & Financing
Research & Data
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THE WHY OF INNOVATION
Source: Citi & CB Insights | Citi GPS: Global Perspectives & Solutions | March 2016
Investments by Business Area
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THE WHY OF INNOVATION
Payments
&
Transfers
Nonbank digital entrants
MESSENGER
Fintechs Tech Giants
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THE WHY OF INNOVATION
Lending
&
Financing
Nonbank digital entrants
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THE WHY OF INNOVATION
Lending
&
Financing
Nonbank digital entrants
Low Overhead
High Returns
Low Cost
Fast
Consumer & Business Project Financing
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DISRUPTION IN THE DOMINANT MARKET POSITION OF BANKS & DFIs
THE WHY OF INNOVATION
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THE WHY OF INNOVATION
Disruption?
Credit Rating &
Credit Scoring
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Non-Bank Digital Entrants & Technological Disruptions1
SPEED
10 terabits per second
Measuring Time
Nanosecond (one billionth of a second) & femto-seconds (one millionth of a billionth of a second)Age of trillion bits (terabit) per second communications
Industry 1.0 Industry 2.0 Industry 3.0 Industry 4.0
THE 4TH INDUSTRIAL REVOLUTION
Water/ Steam Electric Computing
AutomationInternet of
Things(IoT)
Digitization of the manufacturing sector (Smart Factories)
THE WHY OF INNOVATION
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Non-bank Digital Entrants & Technological Disruptions1
Industry 1.0 Industry 2.0 Industry 3.0 Industry 4.0
Water/ Steam Electric Computing
AutomationInternet of
Things(IoT)
Digitization of the manufacturing sector (Smart Factories)
Mechanical Production
Mass Production
Electronics in Production
Cyber-Physical Systems
Inter-connecting physical & virtual
world
THE WHY OF INNOVATION
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UNEP – TEEB OFFICEThe Economics of Ecosystems
& Biodiversity
Ecosystem Fossil Fuels Minerals
"Mineral and fossil fuel data based on known
reserves currently economical to extract,
assuming fixed percentage increase in
usage per year."
OIL = 37 YEARS
COAL = 42 YEARS
GAS = 35 years
TANTALUM = 45 YEARS
AGRICULTURAL LAND= 69 YEARS
2. Natural Resources & Environmental Disruption
THE WHY OF INNOVATION
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2. Natural Resources
4 years left
8 years left
13 years left
28 years left
40 years left
2016 2026 2036 2046 2056 2066 2076 2086 2096
Drugs, Batteries
Touchscreens, Solar Panels
Medals, Jewellery
Aircraft
Mobile phones
Fertilizers 72 years left
"Mineral and fossil fuel data based on
known reserves currently
economical to extract, assuming fixed percentage increase in usage
per year.„Source: UN TEEB
(UNEP – TEEB OFFICE
The Economics of Ecosystems
& Biodiversity)
THE WHY OF INNOVATION
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2. Natural Resources 2016 2026 2036 2046 2056 2066 2076 2086
2096
31 years left
33 years left
38 years left
"Mineral and fossil fuel data based on
known reserves currently
economical to extract, assuming fixed percentage increase in usage
per year.„Source: UN TEEB
(UNEP – TEEB OFFICE
The Economics of Ecosystems
& Biodiversity)
THE WHY OF INNOVATION
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2. Natural Resources & Environmental Disruption
NATURAL RESOURCES
DESIGN CONSUMPTION WASTE LANDFILL
TAKE – MAKE – WASTE ECONOMY
THE WHY OF INNOVATION
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3. Natural Resources
THE WHY OF INNOVATION
2. Natural Resources & Environmental Disruption
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Em
issi
ons
Em
issi
ons
Em
issi
ons
Em
issi
ons
Em
issi
ons
Em
issi
ons
THE WHY OF INNOVATION
3. Natural Resources &
Environmental Disruption
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THE WHY OF INNOVATION
§ World savings is more than US$ 20 trillion§ Global Luxury Market: US $ 1.2
trillion in 2015* Annual Growth: 14.8 %*§ Annual Advertising Expenditure
exceeds US$ 0.5 trillion§ Loss of Bio Diversity
Where is the Money?
Re-thinking Priorities
§ Prioritizing Projects § Embedding Sustainability into
Decision-Making
Role of Banks & DFIs
Financing for Sustainability
§ Climate Change§ Air, Water and Soil Pollution§ Deforestation§ Loss of Bio Diversity To name but a few…
Environmental Challenges
Need commitment & financial resources
Natural Resources & Environmental Disruption2
* Deloitte │ Global Fashion & Luxury market │ Private Equity and investors survey 2016
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Natural Resources & Environmental Disruption2
“If all the insects were to disappear from the earth, within 50 years all life on earth would end.
If all human beings disappeared from the earth, within 50 years all forms of life would flourish.”
- Jonas Salk
THE WHY OF INNOVATION
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Society3
Society
End of traditional jobs and hierarchy
Era of Startups/ New Entrants
Age of Entrepreneurship
SpeedFlexibilityReliabilitySecurity
Customization
Expectations Any time
Anywhere
Any device
THE WHY OF INNOVATION
Demographics
Aging Population
MillennialsCentennials
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THE WHY OF INNOVATION
Disruptive Trends4
ECONOMY
Concentration of Wealth & Power“Always-On” Economy
62 Individuals =
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THE WHY OF INNOVATION
Disruptive Trends4
62 Individuals =
Concentration of Wealth
Source: Oxfam Report | An Economy For the 1%: How privilege and power in the economy drive extreme inequality and how this can be stopped
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THE WHY OF INNOVATION
Disruptive Trends
62 Individuals =
Source: Oxfam Report | An Economy For the 1%: How privilege and power in the economy drive extreme inequality and how this can be stopped
Politics & Governance
4
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Leading with Responsibility
L E A D E R S H I P
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• Concerned about customer loyalty
• Impact of global economy on their business
• New Entrants Disrupting Business Models
• Next 3 years will be more critical for their industry than the previous 50
• The differing wants/needs of Millennials will change their business
65%
72%
86%
86%
88%
Leading with Responsibility
2016 Global CEO Outlook │ KPMG International
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Leading with Responsibility
Driven by Purpose + ConvictionP
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Leading with Responsibility
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THE WHY OF INNOVATION
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Leading with Responsibility
Driven by Purpose + ConvictionP
Adaptability
A
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Leading with Responsibility
Adaptability
A
Embracing change and disruption
Embracing Sustainability Challenge
Ecosystem
Society
Economy
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Leading with Responsibility
Adaptability
Innovation
Driven by Purpose + ConvictionP
AI
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Leading with Responsibility
Innovating the Organisational Structure, Business Model…
InnovationIFrom 20th Century
ModelTo 21st Century
Model
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Leading with Responsibility
InnovationI KARLSRUHEBUSINESS
INNOVATIONPROGRAM
SOLUTIONS FOR SUSTAINABILITY
Financing Innovation for Sustainability
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Leading with Responsibility
Adaptability
Innovation
Inspiration
Driven by Purpose + Conviction
I
P
AI
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Leading with Responsibility
Adaptability
Innovation
Inspiration
Driven by Purpose + Conviction
I
P
AI
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Inspiration
A
Inspiring shareholders and the team (PURPOSE)
Inspiring to embrace change
Inspiring the society at large
Leading with Responsibility
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Leading with Responsibility
Adaptability
Innovation
Inspiration
Driven by Purpose + Conviction
I
P
AI
SFSustainable Future for All