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Mikko Teerenhovi The design of a disruptive banking service

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Post on 26-Aug-2014

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Mikko Teerenhovi, CXO of Holvi did a presentation at the Arctic 15 ExitPath about designing a disruptive banking service for makers and doers.

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Page 1: Holvi arctic 15

Mikko Teerenhovi

The design of a disruptive banking service

Page 2: Holvi arctic 15

believed they'll be able to live a bank-free existence in the future.

would be more excited about a new offering in financial services from Google, Amazon, Apple…

don’t think their bank offers anything different than other banks.

Banking is at the highest risk of disruption

1 in 3 73% 53%

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Who needs new banking solutions?

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Who needs new banking solutions?

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The things you want to do. !

vs. !

The things you need to do.

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The things you need to do.

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@holvi

Building it.

@holvi

Page 8: Holvi arctic 15

@holvi

KYCRisk

Reconciliation

AUP

FSA

@holvi

Own infra

Page 9: Holvi arctic 15

@holvi

Building trust.

@holvi

Page 10: Holvi arctic 15

@holvi

Real people.

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Details.

1 1 0 0 0

24%

14%

10%

0%

VAT % 240

@holvi

Page 12: Holvi arctic 15

@holvi

Regulation.

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It works.

@holvi

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Thank you!