2016年全球金融科技调查报告Blurred lines how fintech is shaping financial services.pptx

Blurred lines: How FinTech is shaping Financial ServicesGlobal FinTech Report March 20162 PwC Global FinTech ReportTitle2 PwC Global FinTech ReportContentsKey messagesIntroduction3Section 1:The epicentre of disruption5Section 2:Emerging FinTech trends on the radar9Section 3:An industry under siege19Section 4:Offence is the best defence22Conclusion29FinTech is shaping FS from the outside inWhere traditional financial institutions have failed, FinTechs are succeedingDisintermediation: FinTech’s most powerful weaponTime to get off the bench: over 20%of FS business at risk to FinTechsAppendix30Summaries of the trends31DeNovo34Contacts35Blockchain: an untapped technology is rewriting theFS rulebookHeading for bargain basement FS? FinTech is slashing costsThe free lunch is over: FS must leverage the FinTech ecosystem3 PwC Global FinTech ReportIntroductionFinTech is shaping FS from the outside inIt is difficult to imagine a world without the internet or mobile devices. They have become core elements of our lifestyle and have brought a high degree of disruption to virtually every area of business. The financial services (FS) industry is no exception; the digital revolution is transforming the way customersaccess financial products and services. Although the sector has experienced a degree of change in recent years, the constant penetration of technology-driven applications in nearly every segment of FS is something new. At the intersection of finance and technology lies a phenomenon that has been accelerating the pace of change at a remarkable rate and is reshaping the industry’s status quo – it is called FinTech.Figure 1: FinTech is a complex ecosystemC. Infrastructure playersEmerging technologies and toolsRegulators and governmentA. FS institutionsB. Tech companiesWhat is FinTech?FinTech is a dynamic segment at the intersection of the financial services and technology sectors where technology-focusedstart-ups and new market entrants innovate the products and services c