桑坦德银行报告：重启金融服务.docxVIP

The Fintech 2.0 Paper: rebooting financial services Why a paper for Fintech 2.0? This paper for Fintech 2.0 has been created by Santander InnoVentures, in collaboration with its partners Oliver Wyman and Anthemis Group. The purpose of Santander InnoVentures is to help Santander deliver better services to our customers through innovation, and to support a new generation of fintech start-ups on their growth journey. We believe these goals are inextricably intertwined. Oliver Wyman’s Innovation Platform has been established to advise both its traditional client base and fast growth fintech firms on the transformational change that is currently underway in the financial services industry. Many fintechs have succeeded but today they are still operating only at the edges of banking. To help engineer more fundamental improvements to the banking industry, they must now be invited inside, to contribute to reinventing our industry’s core infrastructure and processes. That can succeed only as a collaborative endeavour, with banks and fintechs working together as partners. This paper highlights the benefits of collaboration and identifies some of the opportunities for profitable change in realising Fintech 2.0. We hope the whole industry – both banks and fintechs – recognise the value of this approach and join us in this collaborative journey to Fintech 2.0. Mariano Belinky, Emmet Rennick, Andrew Veitch, Managing Principal, Santander InnoVentures Head of Innovation, Oliver Wyman Director, Anthemis 2 Contents 1. Fintech 2.0 4 2. Applications for the Internet of Things 6 2.1. Cutting costs in trade finance 8 2.2. Improving valuation accuracy of real assets in leasing and asset financing 10 3. Being smarter with smart data 12 4. Embedding distributed ledger technology 14 5. Creating frictionless processes and products 16 5.1. Opportunities to reduce friction in the mortgage process 16 5.2. Frictionless saving and investment 18 6. Conclusion: achieving Fintech 2.0 together 19 3 Fi