{"id":4785,"date":"2016-08-24T10:05:18","date_gmt":"2016-08-24T10:05:18","guid":{"rendered":"http:\/\/www.finnovista.com\/?p=10411&lang=en"},"modified":"2020-04-20T05:01:35","modified_gmt":"2020-04-20T05:01:35","slug":"financial-services-in-2020-evolution-or-revolution","status":"publish","type":"post","link":"https:\/\/www.finnosummit.com\/en\/financial-services-in-2020-evolution-or-revolution\/","title":{"rendered":"Financial services in 2020: Evolution or Revolution?"},"content":{"rendered":"

FINNOSUMMIT<\/a> is getting closer, less than a month away.This is the leading\u00a0Fintech event in Latin America, to be held on September 20th at the Centro Cultural Roberto Cantoral in Mexico City. A single day filled with more than 720 minutes to experience the vast networking, informative presentations of the most innovative Fintech startups in the region and, above all, the opportunity to meet the best Fintech and financial services innovation experts that will participate in the event. Among them is\u00a0Bill Cillufo<\/a>, partner of QED Investor<\/a> and one of the leading experts in the LATAM Venture Capital sector, who will share his inside vision and provide\u00a0an accurate perspective of the present status of Fintech and it\u00b4s coming future. Find out more in the following interview.<\/p>\n

What will the financial services industry look like in 2020? What will the competitive landscape look like?<\/b>\u00a0<\/h4>\n

The most exciting thing about what\u2019s going on in Fintech is how innovations are benefiting consumers. \u00a0The availability of financial services is rising; The ability for consumers to do all of their banking through their smart phone is becoming mainstream, and in many places around the world, the cost of financial services is falling.<\/span><\/p>\n

Whether it all shakes out by 2020 or not is hard to tell, but going forward it will be fascinating to see how emerging Fintech firms, and established large institutions co-exist. \u00a0Fintech firms have a lot going for them: The latest technology, designed to be mobile first; fabulous talent; a passion for designing consumer friendly products and services; and maybe most of all, the ability to move quickly. \u00a0But large financial firms have lots going for them as well: \u00a0Access to cheap capital both to fund investments, and deposits to fund loans; regulatory credibility; and immense scale & customer relationships. \u00a0To us, the best answer isn\u2019t that there\u2019s a winner and a loser here, it\u2019s about how to get the best of both. \u00a0How can these firms partner together? \u00a0Where should there be M&A activity? \u00a0Can successful Fintech firms become successful Banks over time? \u00a0Banks who don\u2019t adapt will be in big trouble, those that do will be stronger than ever. \u00a0It will be fun to see it all play out! \u00a0
\n <\/span><\/p>\n

\n

What trends are you seeing in Latin America with respect to Fintech startups? Where are the opportunities, both geographically and in terms of products and services?<\/h4>\n<\/div>\n

Fintech in LATAM is a very exciting and dynamic space, which is just emerging in the last couple years. \u00a0Both as the ideas spread from the US, but also as smart phone penetration has seen its impressive rise, allowing the delivery of next gen financial services to huge groups of people. \u00a0We are seeing entrepreneurs in nearly every country innovate across the spectrum: payments, lending, investments & insurance. \u00a0<\/span><\/p>\n

In LATAM, we are closest to the lending world. \u00a0There is a great ability to create products which are available to lots of people, with a fabulous experience, with dramatically lower prices than banks can offer. \u00a0It is a tremendous opportunity for talented innovators. \u00a0In Brazil we are seeing NuBank do this in Credit Cards, Guiabolso in Personal Loans, BankFacil in secured loans. \u00a0We are thrilled to have recently partnered with Konfio in Mexico, doing it with Small Business loans. \u00a0<\/p>\n

The opportunity isn\u2019t limited to lending, or those two countries, that\u2019s just where we have the most expertise, and have most aggressively entered the market. \u00a0We have partnered with Pitzi in the Brazilian insurance space, for example. Firms like CompraOnline In Chile, or Affluenta from Argentina show that innovation is happening throughout the region. \u00a0And we\u2019re defintely not the only investors noticing. \u00a0Great firms like Kaszek from Argentina, or Quona, who\u2019s right in our backyard in Washington DC, are very active throughout LATAM.<\/p>\n

\n

What advice would you give Fintech entrepreneurs today in order for them to be competitive in the sector and become industry leaders in the next 5 years?<\/h4>\n<\/div>\n
    \n
  1. Maintain maniacal focus on the customer. \u00a0It\u2019s a huge advantage start-ups have, and it needs to continue.<\/li>\n
  2. Talent,Talent, Talent. \u00a0An entrepreneur\u2019s number 1 job is recruiting the best people. \u00a0Don\u2019t conpromise just to fill Jobs quickly. \u00a0A great person is worth 5,10, maybe 50 average people.<\/span><\/li>\n
  3. Great businesses can fail due to lack of capital. Don\u2019t be afraid of raising a little extra cash, or paying a Little more for debt, so you can control more of your destiny directly. \u00a0An extra point of dilution won\u2019t kill your Company, but lack of cash can.<\/span><\/li>\n
  4. Act Quickly! \u00a0If you see an opportunity, you have to mobilize to capture it as fast as you can (in a capital efficient way.) \u00a0If something isn\u2019t working, you need to adjust. \u00a0Large Banks are not nimble, take advantage of being small!<\/span><\/li>\n<\/ol>\n
    \n

    About\u00a0Bill Cilluffo<\/b><\/a><\/h4>\n<\/div>\n

    \"bill2-164x160\"<\/span>Bill is a partner at QED Investors, a leading boutique FinTech Venture Capital firm. Bill is responsible for investments in Latin America, as well as the Wealth Management space within the US. Prior to joining QED in 2014, Bill spent nearly 20 years as an executive at Capital One. Prominent roles included: Head of Subprime credit cards, Deputy Chief Credit Officer, EVP of Co-Brand and Private Label Cards & President of Capital One International.<\/span><\/p>\n

    \u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    FINNOSUMMIT is getting closer, less than a month away.This is the leading\u00a0Fintech event in Latin America, to be held on September 20th at the Centro Cultural [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":4786,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[76,1007,27],"tags":[933,924,583,589,875,584,137,614,590,586],"class_list":["post-4785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-eventos","category-news","category-noticias-cat","tag-bill-cilluffo-en","tag-emprendedores-en","tag-english-en-en","tag-espanol-en-en","tag-finanzas-en","tag-fintech-en","tag-fsmex","tag-fsmex-en","tag-latam-en","tag-startups-en"],"acf":[],"yoast_head":"\nFinancial services in 2020: Evolution or Revolution? - Finnosummit<\/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:\/\/www.finnosummit.com\/en\/financial-services-in-2020-evolution-or-revolution\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial services in 2020: Evolution or Revolution? 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