gft ppt template€¦ · med ridha ben naceur, head of digital transformation - gft technologies se...
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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
Shaping the future of digital business
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
Shaping the future of digital business
CONFIDENTIAL
Führende Unternehmen vertrauen GFT
20/02/2019
Finanz-dienstleistungs-spezialist
Versicherungen
Capital
Markets
Retail
Banking
Private
Wealth
Industrie
5GFT GROUP
Shaping the future of digital business
CONFIDENTIAL
CloudVirtual
Reality
Distributed
Ledger
Technology(Blockchain)
Künstliche
Intelligenz
Wesentliche Technologietrends
20/02/2019
IoT
Big
Data
6GFT GROUP
Shaping the future of digital business
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
Shaping the future of digital business
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
Shaping the future of digital business
CONFIDENTIAL
Embedded Banking – the new banking ecosystem
20/02/2019
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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
Shaping the future of digital business
CONFIDENTIAL
Future needs for embedded banking
20/02/2019
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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
Shaping the future of digital business
CONFIDENTIAL
Embedded banking drivers
20/02/2019
Four key drivers that are defining the embedded banking in industry 4.0
Type here if add info needed for every slide
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
Shaping the future of digital business
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
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innovative funding business models digitisation of service offering
digitisation of trade documentation digitisation and integration of FSC
Industry
4.0
12GFT GROUP
Shaping the future of digital business
CONFIDENTIAL
Market place
20/02/2019
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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
Shaping the future of digital business
CONFIDENTIAL
Selected use cases
20/02/2019
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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
Shaping the future of digital business
CONFIDENTIAL
Future needs FS for embedded banking –some key takeaways on embedded banking
20/02/2019
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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