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Fintech PPT Shivansh

FinTech, or Financial Technology, encompasses technologies that provide financial services and products to individuals, companies, or governments. It can be categorized by business model (e.g., payments, lending, wealth management), technology used (e.g., blockchain, AI, cloud), and target audience (B2C, B2B, B2B2C). Current trends include the rise of AI, blockchain, embedded finance, regulatory challenges, and increasing cybersecurity risks.

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Deepika Shiv Dhawan
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122 views9 pages

Fintech PPT Shivansh

FinTech, or Financial Technology, encompasses technologies that provide financial services and products to individuals, companies, or governments. It can be categorized by business model (e.g., payments, lending, wealth management), technology used (e.g., blockchain, AI, cloud), and target audience (B2C, B2B, B2B2C). Current trends include the rise of AI, blockchain, embedded finance, regulatory challenges, and increasing cybersecurity risks.

Uploaded by

Deepika Shiv Dhawan
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
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What is FinTech?

• Fintech=Financial Technology.
• The technology that help provide financial services and products to
customers. Those customers can be individuals, companies, or
governments.
Typology of Fintech:

Typology of Typology of
Fintech – By Fintech – By
Business Model Technology Used

Typology of
Fintech – By
Target Audience
Typology of Fintech-By Business
Model :
1. Payments & Transfers
Digital wallets and mobile payments (Google Pay, PayPal,
PhonePe)
Cross-border money transfer services (Wise, Revolut)
Contactless payment solutions (Apple Pay, Samsung Pay)
2. Lending & Credit
Peer-to-Peer (P2P) lending platforms (LendingClub, Prosper)
Buy Now, Pay Later (BNPL) services (Afterpay, lazypay)
Digital loans and credit scoring powered by AI (ZestFinance)
3. WealthTech (Wealth Management Technology)
Robo-advisors for automated investing (Wealthfront,
Betterment)
Stock trading platforms (Zerodha, Robinhood)
AI-based portfolio management
Contin…..
4. Insurtech (Insurance Technology)
Online insurance aggregators (PolicyBazaar,
Lemonade)
AI-driven insurance claim processing
On-demand and usage-based insurance models
• 5. RegTech (Regulatory Technology)
Compliance automation tools
AI-driven fraud detection and anti-money
laundering (Onfido, ComplyAdvantage)
Risk management solutions for financial institutions
Typology of Fintech – By Technology
Used
1. Blockchain-Based Fintech
• Cryptocurrencies (Bitcoin, Ethereum, Ripple)
• Decentralized Finance (DeFi) platforms (Uniswap, Compound)
• Smart contracts and blockchain-based lending solutions
2. AI-Driven Fintech
• AI-based credit scoring and lending (ZestFinance, Upstart)
• Fraud detection and prevention (Kount, Feedzai)
• Chatbots and virtual financial assistants (Erica by Bank of America)
3. Cloud-Based Fintech
• SaaS-based fintech platforms providing financial services
• Cloud-native banking solutions for scalability and security
• Cost-effective financial solutions using cloud computing
4. API-First Fintech
• Open banking platforms allowing third-party integrations (Plaid, Yodlee)
• Fintech-as-a-service solutions enabling businesses to build financial
products
Typology of Fintech – By Target
Audience
B2C (Business-to-Consumer) Fintech
• Direct services to consumers (Chime, Paytm, N26)
• Online banking apps with zero fees and higher savings
rates
B2B (Business-to-Business) Fintech
• Financial solutions for businesses (Stripe, Razorpay)
• Business expense management tools (Brex, Expensify)
B2B2C (Business-to-Business-to-Consumer) Fintech
• Companies that serve businesses but indirectly benefit
consumers (Plaid, Adyen)
• Payment gateways and API-driven solutions enabling
financial services
Fintech Trends & Future Scope
• Artificial Intelligence in fintech – AI-driven fraud
detection, credit scoring, and customer support.
• Blockchain and DeFi – Decentralized financial
services eliminating intermediaries.
• Embedded finance – Integration of financial
services into non-financial platforms (e.g., Uber’s in-
app payments).
• Regulatory challenges – Governments tightening
fintech regulations to ensure security and
compliance.
• Cybersecurity risks – As fintech grows, security
threats increase, requiring better fraud prevention
methods.
THANK YOU!

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