{"id":3296,"date":"2017-12-13T14:20:57","date_gmt":"2017-12-13T14:20:57","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=3296"},"modified":"2019-04-12T16:43:32","modified_gmt":"2019-04-12T16:43:32","slug":"smes-banking-an-inside-story-of-an-mit-fintech-course-graduate","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/","title":{"rendered":"SMEs Banking: An Inside Story Of An MIT Fintech Course Graduate"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>The year 2017 is coming to an end but not Fintech that is reaching new high records with deep technologies like AI or Cryptocurrencies that bring new perspectives for the banking industry. <\/strong><\/p>\n<p style=\"text-align: justify;\">The future of Fintech is difficult\u00a0to chart. We will surely see many other\u00a0evolutions in the next decade in terms of\u00a0customer experience, fintech vs bank collaboration, data monetization, blockchain or regulation. One segment still remain largely untapped if we look at the depth of the services available on the market.<\/p>\n<h3>The untapped market for SMEs<\/h3>\n<p style=\"text-align: justify;\">During our <a href=\"https:\/\/insights.invyo.io\/europe\/fintech-education\/mapping-the-top-fintech-course-across-the-world\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>MIT Fintech courses<\/strong><\/a>, we had the chance to put ourselves in the shoes of a<strong> Fintech entrepreneur<\/strong>. Together with our team, we chose to work on the\u00a0<strong>FX risk management sub-sector\u00a0<\/strong>that very few players are addressing correctly.<\/p>\n<p>One of the reason why we chose this segment is because of the <strong>poor service offered by banks<\/strong> to clients and the<strong> low quality customer experience<\/strong> (UX) provided to SMEs.<\/p>\n<p style=\"text-align: justify;\">After several weeks of hard work, we finally came out with the idea of RoboFX, an <strong>automated FX advisory platform<\/strong> that could be\u00a0accessible from\u00a0mobile, tablet or laptop.<\/p>\n<h3>Why RoboFX?<\/h3>\n<p style=\"text-align: justify;\">SMEs would be able to register on the <strong>RoboFX platform and provide a data feed<\/strong> on a periodic basis. RoboFX &#8216;s <strong>proprietary software<\/strong> would be designed in such a way to <strong>analyze the financial data<\/strong> to:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Identify the Risk<\/li>\n<li>Measure this Risk<\/li>\n<li>Set Risk tolerances &amp; Hedge Horizon<\/li>\n<li>Design and implement Hedging strategies<\/li>\n<li>Execute the hedging transaction<\/li>\n<li>Report and measure performances<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Clients using RoboFX could have the ability to <strong>automatically execute the hedge<\/strong> if they agree to do so or <strong>review \/ modify the hedge<\/strong> as per their risk \/ cost profile. Clients could also <strong>set alerts and monitor their hedge<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Our revenue model would come from partnerships with providers to access the <strong>FX currency feeds<\/strong> and with financial institutions for their <strong>clients\u2019 trades for a fee<\/strong>. Clients could also be signed up with a freemium.<\/p>\n<h3>Opportunities in SMEs Banking<\/h3>\n<p style=\"text-align: justify;\">I personally strongly believe that the <strong>rebundling opportunities in SMEs banking services<\/strong> sits at the intersection of corporate financial software and finance.<\/p>\n<p style=\"text-align: justify;\">Banks historically deserted SMEs because it was <strong>not as scalable as consumers or big corporate<\/strong>. Banks are facing <strong>growing pressure from regulators<\/strong>, which enable marketplaces to <strong>unbundle SME services<\/strong> such as lending, advisory, execution, etc.<\/p>\n<p style=\"text-align: justify;\">Will Fintech succeed to address this large untapped market? How should banks react? We can expect <strong>some traditional players to respond<\/strong> appropriately. Most of established financial services players are already <strong>investing heavily into the Fintech<\/strong> sector.<\/p>\n<blockquote>\n<p style=\"text-align: justify;\">On the other side, could new entrants such as RoboFX replace banks? Probably not or at least not in the next 10-20 years. Capital requirements are very tough and regulation is complex.<\/p>\n<\/blockquote>\n<p style=\"text-align: justify;\">Banks must <strong>switch to a Fintech bank<\/strong> model if they want to survive in the long term. Turning a global financial business into a <strong>digital player is not easy<\/strong>. There will be a high level of <strong>M&amp;A activity among traditional banks<\/strong> and a very strong <strong>natural selection among Fintech<\/strong> start-ups.<\/p>\n<p style=\"text-align: justify;\">Banks should move from just <strong>incubating or financing startups<\/strong> to acquiring some of them, letting them lead and digitally transform the vertical they are focused on for the whole bank. Who knows exactly <strong>what will be the Fintech world in 10 years<\/strong>. As we like to say at Techfoliance: who dares win!<\/p>\n<hr \/>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>The year 2017 is coming to an end but not Fintech that is reaching new high records with deep technologies like AI or Cryptocurrencies that bring new perspectives for the banking industry. The future of Fintech is difficult\u00a0to chart. We will surely see many other\u00a0evolutions in the next decade in terms of\u00a0customer experience, fintech vs [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":5630,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1210],"tags":[1867,1142,270,138,657,1412,1864,1868,1862,1863,1081,317,1674,1866,809,586,170,1861,1860,1865,1029],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SMEs Banking: An Inside Story Of An MIT Fintech Course Graduate - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Banking: An Inside Story Of An MIT Fintech Course Graduate - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"The year 2017 is coming to an end but not Fintech that is reaching new high records with deep technologies like AI or Cryptocurrencies that bring new perspectives for the banking industry. The future of Fintech is difficult\u00a0to chart. We will surely see many other\u00a0evolutions in the next decade in terms of\u00a0customer experience, fintech vs [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-13T14:20:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-12T16:43:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2017\/12\/Techfoliance-europe_sme-banking-mit-fintech-course-graduate-xavier-gomez.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"696\" \/>\n\t<meta property=\"og:image:height\" content=\"337\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Xavier Gomez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/Xbond49\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Xavier Gomez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\"},\"author\":{\"name\":\"Xavier Gomez\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/c963e158282ffce0840760cbbefbcb4f\"},\"headline\":\"SMEs Banking: An Inside Story Of An MIT Fintech Course Graduate\",\"datePublished\":\"2017-12-13T14:20:57+00:00\",\"dateModified\":\"2019-04-12T16:43:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\"},\"wordCount\":566,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#organization\"},\"keywords\":[\"Advisory\",\"B2B\",\"banks\",\"big data\",\"education\",\"Financial Literacy\",\"Fintech bank\",\"FX currency\",\"FX Risk management\",\"Incumbents\",\"learning\",\"lending\",\"Market intelligence\",\"MIT Fintech Course\",\"RegTech\",\"regulation\",\"robo-advisor\",\"RoboFX\",\"SMEs Banking\",\"Unbundling\",\"Xavier Gomez\"],\"articleSection\":[\"Education\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\",\"url\":\"https:\/\/insights.invyo.io\/europe\/industries\/education\/smes-banking-an-inside-story-of-an-mit-fintech-course-graduate\/\",\"name\":\"SMEs Banking: An Inside Story Of An MIT Fintech Course Graduate - 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