Research 2018-12-17T09:10:31+00:00

Join the Disruptors. A global research initiative spanning the greatest minds in fintech.

Now in its fourth year, the Fintech Disruptors research and briefing series combines insights from interviews with fintech’s leading practitioners and industry-wide surveys of the financial services marketplace.

The next phase of the programme will see us broaden our reach with the launch of a fully digital channel including direct access to survey data, interview transcripts, video interviews and infographics. Extracts and key findings from this year’s EMEA research can already be found at the links below where you can also download full versions of all the reports.

Download the reports here:

2019

Fintech Disruptors Report – EMEA Edition 2019

2018

Fintech Disruptors Report – EMEA Edition 2018
Fintech Disruptors Report – Nordic Edition 2018

2017

Fintech Disruptors Report – EMEA Edition 2017
Fintech Disruptors Report – Nordic Edition 2017

2016

Fintech Disruptors Report – Nordic Edition 2016

2015

Fintech Disruptors Report – EMEA Edition 2015

In the coming months we’ll be adding fresh content, including transcripts from interviews with banking and fintech interviews, infographics and survey data.

Check back soon as the Fintech Disruptors channel evolves or email us at info@magnacartacomms.com if you’d like to put forward a member of your organisation for the next round of interviews.

Denise Gee, Susanne Hannestad and Simon Hardie

Explore our latest report

Read Here

Explore our latest interviews

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Determining the direction of digital finance

  • Fintech Disruptors EMEA 2019 launched in London, December 2018

  • Research methodology and timeline

Research methodology

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Building Block 1 – Relevance

PROGRESS ALONG THE NEW ROAD

  • To stay relevant financial services companies need to align culture with delivery and technology.
  • Fintechs and banks moving at two speeds. Often simultaneously within the same organisation.
  • A ‘no legacy dividend’ for fintechs is coming to an end.

BANKS HAVE RESTORED THEIR BALANCE SHEETS AND RE-GAINED THEIR CONFIDENCE – AND THE TRUST OF CUSTOMERS – BUT THEIR SEARCH FOR RELEVANCE IN THE ERA OF DIGITAL FINANCIAL INTERMEDIATION HAS ONLY JUST STARTED.

2018 was a turning point for the financial services industry. And not only because it marks a decade since the Global Financial Crisis brought advanced world economies to a standstill.

Building Block 2 – Openness

PROGRESS ALONG THE NEW ROAD

  • A customer-first approach is key to overcoming the complexity of the new road.
  • The model of competition is changing – an open mindset is becoming essential for success.
  • Fintechs and banks are trying to define the new rules of an open ecosystem.

THE QUESTION OF ‘OPEN VERSUS CLOSED’ COMPETITION IS AT THE HEART OF THE DIGITAL CHALLENGE. TO SURVIVE, TOMORROW’S ‘DIGITAL DISINTERMEDIA.

Twentieth century financial services ran on a linear principle of competition of “them” versus “us”. Regulators, vendors, and competitors kept businesses keen and made them buy new equipment when the market got tougher (them), versus (us) – a bank or insurance company that was pretty much guaranteed an easy ride providing they kept pace with the market.

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Building Block 3 – Automation

PROGRESS ALONG THE NEW ROAD

  • AI jumps to top of investment league table in 2019.
  • Fintechs struggling to keep up with pace of technological change as much as banks.
  • Technology investment is wasted without the infrastructure to support it.

FINANCIAL SERVICES PROVIDERS OF ALL SIZES ARE FOCUSING ATTENTION ON THE POTENTIAL OF AI AND ADVANCED TECHNOLOGY TO AUTOMATE THEIR BUSINESSES. EXTRACTING VALUE FROM THEM IN THE DECADE AHEAD WILL DEPEND ON MORE THAN ADOPTION.

A circular financial services ecosystem requires the right culture. It also needs the right tools. Coupled with the technical architecture that can adapt as processing power grows and patterns of demand change.

Building Block 4 – Data

PROGRESS ALONG THE NEW ROAD

  • Data is increasingly viewed as an asset – perspectives on its use differ widely.
  • Management of data is the new competitive frontline for banks and fintechs.
  • Emerging data asymmetry is storing up new systemic pressures.

DATA IS THE FOUNDATIONAL LAYER OF THE NEW FINTECH ROAD. BANKS AND FINTECHS HANDLE IT IN VERY DIFFERENT WAYS. IN 2019 THEY WILL NEED TO VIEW DATA AS THEIR MOST VALUABLE ASSET. AND TREAT IT ACCORDINGLY.

Data is the enabler of next wave fintech. Applying its insights enables the process of continual renewal that organisations need today to stay relevant. An open approach to sharing it will ensure they can leverage the future opportunities of open data. And access to sufficient quantities of it will determine the effectiveness of advanced technologies like AI for a new generation of automated financial services.

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