Future in Digital banking Investor Presentation January 2019 - PowerPoint PPT Presentation

My Name Is Exploring Future in Digital banking Investor Presentation January 2019

FULL-STACK BLOCKCHAIN DIGITAL BANK The Disruptive Digital Banking Age is Arriving Looking back at the past of the banking industry, a disruptive era is coming 21st century Digitalization 70's Traditional banking evolution In the middle of 70’s, Citi bank was first to Moving into 21st century, more digital introduce ATM and more consensus have features are being introduced and there been reached among banks to open ATM are more transition from traditional terminal as well as inter-bank transactions. banking to digital banking Digital Bank Digital connection Until 90’s the arising Internet technology, With the growing demand for e- banks are starting to add in the digital banking, the technology has elements to the banking service, such as changed the way people live. As 90's Now online transfer , online payment and e- the time goes by, the digital bank statement will be in a position to serve the new generation

FULL-STACK BLOCKCHAIN DIGITAL BANK The Digital Bank will create sustainable business value In 5 years, the digital bank will take a more important role In the past one year, digital banking and mobile bank attract much attention and capital investment, such as Webank, Starling, Monzo etc. Pic: UBS trading floor in Stanford There is a clear trend that new generation users are moving toward user-friendly mobile and digital platform. In the long run, digital bank naturally caters the young generation’s needs , thus having the long-run development.

FULL-STACK BLOCKCHAIN DIGITAL BANK Breakthrough for the Productivity Cap So far, the productivity cap of various industries is continuously increasing, and the cost/income ratio of some financial institutions has reached 45% to 60% (although the level of developing regions is relatively low), but the blockchain and AI technology integrate the decentralization with intelligent automation, making it available to rapidly increase the productivity cap.

FULL-STACK BLOCKCHAIN DIGITAL BANK Key Applications for Digital Bank Industry According to the studies of over 20 digital banks, 4 focus areas are as below: P2P payment Asset management Identity verification Customized solution ● Mobile cross ● Rob-adviser ● KYC ● Customized ATM terminal ● broad payment ● Asset management ● Customized KYC solution ● Point-to- ● centralized wallet ● KYC authorization point digital service ● Online payment ● Decentralized wallet ● Biometrics identification ● Digital asset collateral ● KYC information sharing ● Crowd funding ● Emerging market support

FULL-STACK BLOCKCHAIN DIGITAL BANK Digital Bank and Millennials The data on Linked in show that millennials prefer to regard services as partnerships. Whether working in enterprises or using financial services, they prefer to pursue equality for all and work hard for themselves. As traditional enterprises enter the digital era, they will face major challenges different from the past, seeking a balance between the impact of core service transformation and the demand for daily expenditure returns. This transformation will make more and more millennial labor participants far away from the existing traditional business model. They will engage in new jobs, collaborate with each other in the Internet and among individuals, and undertake more social responsibility and spiritual mission. In the course of building this new vision, team organizers will encounter more challenges in leadership direction, internal structure, talent use and interaction. Therefore, the emergence of digital bank will ensure that the transformation process will be more smoothly.

FULL-STACK BLOCKCHAIN DIGITAL BANK Digital Bank and Digital Transaction Since Nov. 2017, the transaction volume of digital assets has soared sharply, which has experienced two climax stages. Although it has dropped significantly from the peak in Jan. 2018, the transaction volume of digital assets has maintained a stable range since June 2018, especially the emergence of StableCoins and STO, letting the digital assets market have had new transaction demands as an active support. Transaction amount: 51.2 billion US dollars 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 Average monthly transaction volume of digital assets from May 2017 to Dec. 2018, shown in coinmarketcap

FULL-STACK BLOCKCHAIN DIGITAL BANK Digital Bank and StableCoin There are 57 kinds of StableCoin in the market according to statistics, and 39% of them is active and has been connected with financial and regulative entities gradually. 20+ others 2014 2015 - 2016 2018 H1 2018 H2 2017

FULL-STACK BLOCKCHAIN DIGITAL BANK Digital Bank and Digital Factoring Global business factoring field has been growing at a compound growth rate of nearly 8% over the past few 3000000 years. According to FCI data, the global factoring field 2500000 generated more than 2.598 trillion Euros in business in 2017, and is expected to exceed 2.8 trillion Euros in 2018, 2000000 a year coming to an end soon. 1500000 Since 2014, factoring business has gradually moved from 1000000 the traditional process to online process, and commercial factoring companies have tried to use digital technology 500000 to reduce costs, but also to make factoring more efficient 0 and convenient. However, in 2018 or so, due to the 2011 2012 2013 2014 2015 2016 2017 2018 popularity of blockchain and AI technology, digital factoring has been more concerned.

FULL-STACK BLOCKCHAIN DIGITAL BANK We Are a Digital Bank is a full-stack digital bank that provides global digital financial services to younger users. Global thinking Relying on a strong financial network and first- Fragme Privacy class technology infrastructure, the company nted conscio High Time usness provides users with 7x24 personalized digital adaptab decentra banking services that can be put into their Fond of ility lized wa conveni pockets and meet the diverse needs of users. Frequent y of Internet ence use of thinking aborigi mobile nes phone Globa bal service ces Vario ious us choic ices Full ll stack k servic ice of assets

FULL-STACK BLOCKCHAIN DIGITAL BANK Diversified market The members of CoinBank come from all over the world. People of different personalities, specialties and regions gather together and interact to generate interesting things. We share information and viewpoints, constantly brainstorm and change the world. 50+ Staff 4 Programing Languages 20+ 5 Cooperative Exchanges Coverage Areas

FULL-STACK BLOCKCHAIN DIGITAL BANK Business Model for COINBANK COINBANK, a new digital banking service system digital loans loans digital currency currency exchange exchange business business digital asset trading security exchange Traditional Digital Banking Banking VS digital cash business cash business services services digital factoring factoring digital credit check credit check C2C IM B2C messaging

FULL-STACK BLOCKCHAIN DIGITAL BANK COINBANK Business Model -Assets Allocation COINBANK provides users with a full range of assets allocation services concerning digital assets. Allocate investment capital among various assets with different risk grade in accordance with the investment demand of users. High Application-type/platform-type Digital securities/capital exchange digital assets investment Digital derivative Digital securities exchange investment Risks Digital securities Digital securities exchange Income investment Fixed-income Fixed-income wealth management/bonds wealth management StableCoins StableCoins fixed-term deposit interest rate fixed-term deposit Low

FULL-STACK BLOCKCHAIN DIGITAL BANK Business Model for COINBANK -Digital Currency OTC Business Currency exchange business, with an average daily transaction volume of more than 2 trillion US dollars. And digital currency exchange business is one of Coinbank’s main focus with the aim to become the biggest the world's leading stable currency exchange trading platform, which provides safe trading environment COINBANK OTC, comparing with other OTCs, for traders around the world. supports muti-payment tools, such as Epay and UnionPay International for users and it Users trade their digital assets via C2C on Coinbank, who cooperates with excellent stable coin operation provides various services, such as supervision of transactions, teams to provide marketing and security KYC of both parties and asset custody to make sure the safety standard. of the trading process.

FULL-STACK BLOCKCHAIN DIGITAL BANK Business Model for COINBANK -Digital Cash transaction Service BTM is a blockchain powered teller machine, which support cash service, digital asset transaction and VISA card service in the future. It is developed by COINBANK team along with digital asset exchanges and international payment operators. Users can log on by smart phone, just a quick scan of QR code or NFC sensor to have the crypto to fiat service. API Diverse Merchant fiat-crypto Lighting KYC integration System trading Processing Speed