Fidor TecS enables disruptive banking Fidor combines a full banking license with its own technology: a strong focus on APIs ensures meeting the demands of the 21st century digital consumer globally and profitably. Fidor serves in a unique way the digitalized banking world to “make this bank your bank” through its open banking APIs. Be a part of reshaping the post-crisis banking industry through cutting edge technology instead of doing the minimum to be compliant. Educate and integrate your customer through your own community of loyal customers instead of preying on financial illiteracy. The Fidor Operating System fidorOS allows you to do just that - and much more. fidorOS is designed to work seamlessly with existing core banking system. It not only provides all the basic banking functionalities but it also is expandable, thanks to its modular design. It also bridges traditional banking products like account, payments, deposits, loans with new banking products like P2P lending, crowd lending, social trading, virtual currencies and Ripple. A completely new technology that is not tied to any legacy code. Flexible enough to be used on nearly any core banking system and powerful enough to be used by banks as white label.

1. Fidor TecS AG
Delivering Disruptive Banking!

2. Strong Vision in focused Units: Fidor TecS AG operates the IT and
customer service for Germany, Russia and UK*
Most innovative Banking
Operating System
• Developing,
page 2
owning,
and
maintaining
fidorOS
and
its
API
infrastructure
• Controlling
the
Fidor
Ecosystem
• Leverage
insights
from
data
• Open
API
infrastructure
„Everything you need“ offer
to the digital SME
• Closed
loop
transacBons
• From
SEPA
to
Ripple
• Global
real-­‐Bme
transacBons
• Crypto
currency
adopBon
• Cards
etc.
• AddiBonal
support
funcBons
100% 100%
Better Banking creates a new
Customer to Bank Relation
• Strong
integraBon
of
customers
via
community
&
social
media
• Peer
2
Peer
Banking
• Crowdfinance
• Reward
customers
for
digital
engagement
*
Roll
out
starts
in
Q4/2014

3. Our goal is to make fidorOS the most accessible banking IT
system, globally
Where we come from What we are today
2
years
ago
page 3
Fidor
TecS
AG
was
an
IT
department
of
Fidor
Bank
with
6
people
and
fidorOS
was
a
banking
system
designed
for
the
German
digital
banking
customer
Today,
Fidor
TecS
AG
is
an
own
legal
enBty
with
>
50
people
and
customers
in
4
countries
and
fidorOS
is
an
unique
API-­‐based
mulB-­‐CBS
&
mulB-­‐country
system
with
social
banking
capabiliBes

4. Fidor TecS AG has attracted a very experienced leadership team with
a strong track record in implementation of financial innovations
Maier
Schwab
(CEO)
(COO)
Kröner
(CSO)
Roma
Gruban
Grimme
Hellwig
Key
account
&
Chief
architect
&
project
mgmt
consultancy
Head
of
development
Head
of
IT
OperaBons,
Security,
TesBng
&
QA
page 4

5. Fidor TecS plans carefully and develops agile
Specs Tasks
fidorOS
Release
Deployment
14 Days
Daily
Analysis / Click
dummy / Planning
Agile development along milestones /
testing
Friends &
family
Go Live
Phase 1
page 5

6. In the first 7 month of 2014 Fidor TecS changed and implemented more than
961 features across fidorOS and increased the code base by more than 50%
page 6

7. Fidor TecS Product Roadmap 2015-2018 creates an unique variety of banking
functionalities for bank customers and banks enabled by third party partners
and developers
page 7
fidorOS
full
API-­‐enabled
SMART
Data
AnalyBcs
Configurable
SMART
Account
SMART
Account
App
Store
50+
Products,
Services
&
Apps
1,000+
Products,
Services
&
Apps
App Market Place
API SDK
High Scalability of fidorOS
150+ Products, Services & Apps

8. Fidor TecS has a unique business model to compete: it runs the IT operations
and customer service centre for Fidor Group, offers its platform fidorOS white
label and can leverage Fidor Banks European full banking license
SAP
Currency cloud
Ripple Wonga
IT Provider Banks
powered by
Fidor Bank
page 8
IND Group
Oracle
Accenture
Temenos
Crealogix
Asecco
Gft
Avalog
FIS
ING
SberbankDirect
Comdirect
IKB
Teambank
FinTech
moven
Bitbond
KLARNA
Tranferwise
Barclays

9. Table of content
I. The
Fidor
applicaBons
and
business
model
II. fidorOS
–
an
agnosBc
social
banking
plaaorm
III. AnalyBcs
in
fidorOS
IV. fidorOS
as
white
label
soluBon
ConfidenBal
InformaBon
Page
9

10. fidorOS fidorOS combines is set community up to become & payment the & most banking accessible and provides banking additional
IT
value and freedom of choice to the retail and corporate customer – the system
is system, build around globally
the customer
page 10
Payment
Customer
Community Banking
Smart Community
Smart Payment
Smart Banking
• Question & Answers
• Product Ratings
• Advisor Ratings
• Profile Comparisons
• Group Discussions
• Product Suggestions
• Surveys …
PLUS: Unique bonus-scheme
rewarding social interaction.
• Saving Certificates
• Loans (including Emergency Loan &
Overdraft)
• FX Trading
• Precious Metals
PLUS innovative solutions such as:
• Crowdfinance
• Peer to Peer Banking (lending and
options)
• Virtual Currencies
Combining Banking
& Community
Covering the major financial needs of
a digital customer:
- Independent support instead of sales (push)
- Alternative financing and investing solutions by
integrating 3rd party offers instead of proprietary
product range
- Speed banking instead of slow banking
- Collaboration instead of black box
• Connect to Bundesbank (BIC / IBAN)
• SEPA Payments
• Closed loop transaction
• Transaction layout can be customized
• Global Money Transfers
• Card (MasterCard Issuing License)
• Sending money to e-mail address, phone
number, twitter domain
• “community personal finance
management”
• Peer to peer comparisons of transactions or
assets allow improvements

11. fidorOS is set up to become the most accessible banking IT
system, globally 100% digital customers request for 100% digital services
page 11
Retail-
Customer
With only one account, I can cover
all my financial issues. And I can ask
the community for support!
E-Commerce
Merchant
There is really no bank serving us
well – and the Payment Guys are
offering ony a small piece of what I
need.
Game Developer
I need a partner bank with an API
infrastructure that allows me to
integrate a wallet in my games.
B-to-B Customer
B-to-B Customer
I want to offer financial services to
my existing customer base. That
creates a higher stickiness and
lowers my cost.

12. fidorOS The Fidor Community is set up as to a become powerful tool the for most customer-accessible to-customer-banking to-bank
IT
interaction
system, globally
page 12
Fidor
Bonus
program
ConnecBon
to
Fidor
Smart
Girokonto
Overview
of
Fidor
Smart
Community
Apps
Direct
contact
between
customer
and
customer
service
in
news
stream

13. fidorOS is set up to become the most accessible banking IT
system, globally
The Fidor Community – a vivid place for digital natives with interest in financial
services
page 13
8,008
advisors
rated
by
users
4,671
wish
products
3,215
rated
financial
products
8,014
saving
Bps
5.3
answers
per
raised
money
quesBon
7
answers
per
quesBon
on
average
…
Ques9on:
21:14
Uhr
via
iPhone
1.
Answer:
21:22:07
2.
Answer:
21:22:59
3.
Answer:
21:46:40
10.
Answer:
00:21:11

14. fidorOS is set up to become the most accessible banking IT
system, globally Fidor Smart Account – A market place for financial services
page 14
ConnecBng
to
Community
NavigaBon
User
created
tutorial
videos
• Fidor
offerings
and
3rd
Party
Apps
(integrated
via
API)
• InnovaBon
inside
like
Ripple,
P2P
lending
and
Crowdfinance
Speed
Banking,
shown
by
„60
sec
banking”
icon
First
steps
towards
PFM

15. The Fidor Lifestyle
8:00 am
TV News about Gold:
Asking the community to
buy or not to buy?
10:00 am
Backing a crowdfunding
project:
„Ecofriendly Coffee“
1:30 pm
Paying back my
colleague in real-time via
Twitter: „Grat Lunch!“
3:00 pm
Bying a Bitcoin with my
Fidor Smart Account on
Bitcoin.de (Fidor partner)
5:00 pm
Buying 1,00 oz silver with
only one mouse click in
60 sec.! Thx Community!
11:30 pm
Applying for a short term
loan on my smartphone.
#AwesomeParty
How does a
typical day of
your customer
look like?
page 15
10:30 am
Mobile widget informs
me about new
transactions

16. fidorOS is set up to become the most accessible banking IT
system, globally John Fidoe, the average Fidor Retail Customer
The average Fidor Costumer is 30 – 50 (50%), lives somewhere in
Germany, is male, and executes 10 transactions/month.
(30 days average August 2014)
page 16
79% of active users are male.
21% of active users are female.
5.7% of active Fidor Bank
Community users have completed their
Fidor Bank profile with their social media
domains.
Facebook 61.3%, Skype 35.5%,
private website 34.6%, Google+
27.3, Xing, 15.9%, Youtube 14.8%
Of 50,000+ Fidor Bank full KYC
Customers, 31,439 were active
in August 2014.
7.6%
of active users live in Berlin.
3.1%
of active users live in Munich.
3.0%
of active users live in Hamburg.
Customers‘
Age:
18 – 30: 16.8%
30 – 40: 24.5%
40 – 50: 25.7%
50 – 60: 19.1%
60+: 10.7%
1,453€ in Cash
10 transactions/month
3 community contacts
100% digital
0.46 gr Gold
0.17 oz Silver
0.059 gr Palladium
4.89 USD
41.56 JPY
12.87 NOK

17. Mobile fidorOS financial is set services up to – become co-created the and tested most by accessible the customer banking +
IT
accelerated system, globally
by APIs
page 17
Always in
customer‘s view Activated by wiping
Shows last
transactions and
alerts the customer

18. Table of content
I. The
Fidor
applicaBons
and
business
model
II. fidorOS
–
an
agnosBc
social
banking
plaaorm
III. AnalyBcs
in
fidorOS
IV. fidorOS
as
white
label
soluBon
ConfidenBal
InformaBon
Page
18

19. fidorOS combines general banking functionality independent from
country specifics with social banking services in an unique way
Real
Bme
booking,
payments,
loans,
…
page 19
AggregaBon
of
tradiBonal
assets
and
new
P2P
&
social
banking
products
Convenient
transfer
of
money,
deposits,
currencies
via
twiker,
mobile
number,
email
Virtual
currencies
like
Bitcoin,
Ripple,
…
Open
API
provides
powerful
and
easy
to
understand,
to
setup
and
to
use
interface
to
access
all
fidorOS
funcBons
FOXI
Financial
Open
eXchange
IniBaBve
provides
standardized
formats
to
create
applicaBons
within
fidorOS
AlternaBve
assets
e.g.
Miles
&
More
points,
precious
metals,
…
Plus
-­‐ MulB
language
✔
-­‐ MulB
currency
✔
-­‐ MulB
country
✔
-­‐ MulB
CBS
✔
-­‐ White
label
✔

20. fidorOS is modern, modular, open, API-based and free of any legacy
code
LAYERS
page 20
Community Account Payments
CBS Country 1
Front End
Web /
Mobile
Product-
Features
Core-
Module/s
fidorOS
CORE
Interface to
Core Banking
Country-specific
Core Banking
System
fidorOS
Authorisation
CBS Country 2 CBS Country n
Back End Middle Ware
RESTful APIs
Technology
HTML5 /
Native iOS,
Android
Ruby/
Ruby on
Rails/
MySQL
MQ Series
CBS specific
Bonus Third party
(e.g., Analytics)
Third party apps / in account apps
General Admin
Core
Activities
Security
Transaction
Customer
Booking
...

21. A public API serves as a welcoming front door to new business
clients – do for banking what Apple did for mobile apps with iTunes
Fidor
3rd
party
in
account
apps
✚
Fully
licensed
bank
account
page 21
Fidor
API
✚
✚
Payment
&
TransacBons
=
Fidor
Smart
Account
Account
as
marketplace
Fully
customizable
As
complex
as
you
want/need
it

22. fidorOS enables the creation of an own Bank or own Account
White
Label
customers
can
create
their
own
BANK
• Full white label: look and feel to be customized
• Content of App-Store to be defined by white label
partner
• fidorOS runs today already on 2 different CBS
• License Shelter if needed (within EU)
page 22
Customers
can
create
their
own
ACCOUNT
• In account App-Store: open to 3rd party offers
• Supported by API infrastructure
• Minimum amount of proprietary default offers
• Additional offers according to customers financial
lifestyle

23. fidorOS enables superfast adaption to customer front-end design
page 23
?
One platform – countless opportunities

24. fidorOS Front End Examples
Mobile
Device
Web-­‐Browser

25. With each new fidorOS deployment and each new third party app
Fidor TecS fosters a network effect
fidorOS
deployments
page 25
The
network
effect
Banks
The
more
innovaBve
and
specialised
apps
and
services
are
available
for
fidorOS
the
more
akracBve
for
banks
Developers
The
more
fidorOS
deployments
and
bank
customers
the
more
akracBve
for
developers
and
highly
specialised
companies
for
banking
IT
Fidor
Group
White
Label

26. 4 years young Fidor Bank is the “show case” for fidorOS
Bank
licence
SMART
Account
App
Manager
in
December
2009
page 26
Community
users
>
300,000
In
account
app
B2B
partner
>
10
Full
KYC
customers
>
65,000
SME
customers
>
4,000
Loan
book
>
185
mEUR
Deposits
>
240mEUR
Costs
per
new
customer
(CpC)
<
25
EUR
IT
costs
per
user
per
year
<
12
EUR

27. fidorOS scales!
1.400
1.200
1.000
800
600
400
200
0
1000
page 27
Transaction Creation Count
OPEX
per
Customer
2012:
107.60
€
2013:
61.40
€
(-­‐43%)*
Expenses/Transac9on
-­‐49%*
*Between
Q1
2013
and
Q1
2014
at
Fidor
Bank
Germany

28. fidorOS enables low IT costs per user per year
page 28
3,4
3,8
7,4
Tier 1/2 Bank eBay
Facebook
Google
200
15
Fidor
[USD]

29. Fidor TecS actively integrates the developer community
Developer
Community
page 29
API
Browser

30. Fidor TecS actively integrates the developer community
page 30

31. Table of content
I. The
Fidor
applicaBons
and
business
model
II. fidorOS
–
an
agnosBc
social
banking
plaaorm
III. AnalyBcs
in
fidorOS
IV. fidorOS
as
white
label
soluBon
ConfidenBal
InformaBon
Page
31

32. Fidor Bank currently experiments with SMART data analytics together with
highly specialised Alexander Thamm GmbH with the objective to create and
offer a new generation of financial products
Analysis
of
Community
E.g.,
graph
shows
how
community
users
are
connected
to
each
other
page 32
Community
Karma
New
Products
AnalyBcs
creates
the
foundaBon
of
an
user
individual
Karma
(community
score)
which
qualifies
the
user
based
on
his
acBviBes
and
connecBons
%
E.g.,
interests
rates
based
on
individual
community
Karma
E.g.
car
insurance
based
on
individual
behaviour

33. A combination of traditional and social media based data points
enable also a new generation of credit analysis
PosiBve
correlaBon
Graph
shows
a
posiBve
correlaBon
of
social
media
acBvity
and
banking
acBvity
page 33
New
kind
of
credit
score
A
combinaBon
of
tradiBonal
and
social
media
based
data
points
enable
a
new
generaBon
of
credit
analysis

34. Real-time overview on customer activities in community, account
and transactions
page 34

35. Analytics make Financial Services tangible – The Fidor Germany
Globe
page 35
Access the Fidor
Germany Globe

36. Table of content
I. The
Fidor
applicaBons
and
business
model
II. fidorOS
–
an
agnosBc
social
banking
plaaorm
III. AnalyBcs
in
fidorOS
IV. fidorOS
as
white
label
soluBon
ConfidenBal
InformaBon
Page
36

37. fidorOS: flexible enough to be used on nearly any core banking
system and powerful enough to be used as white label
• Built on Ruby/Ruby on Rails, mySQL
• FOXI standard: Financial Open eXchange Initiative
provides standardized formats to create applications
within fidorOS
• Open API: provides powerful and easy to understand, to
set up and to use interface to access all fidorOS functions
• Speed banking: Real-time transactions, payments,
loans, etc.
• Multi-language, multi-country, multi-currency, multi-CBS
• Instant multi-channel-money transfer (e.g., Twitter, e-
Mail)
page 37
fidorOS:
Facts
on
a
glance
fidorOS:
White
label
ready!
• Full white label: look and feel can be customized
• Single modules (Community, Payment, Banking) allow
for evolutionary and quick integration
• Content of In-Account App-Store can be defined by
white label partner
• The more deployments of fidorOS there are, the more
attractive for developers and highly specialized
banking-IT companies
• Open
API
architecture
allows
easy
integra9on,
quick
set-­‐up
and
ROI

38. Partners can make their choice out of a unique and modular
Product and Service Tool Box.
LAYERS
page 38
Web Frontend
C P B
fidorOS
CBS Fidor
Mobile APPs
Web Interface/s
Product-
Features
Core-Module/s
Operating System
(obligatory)
Interface to
Core Banking
Web Frontend
P
fidorOS
CBS Fidor
Web Frontend
C P B
fidorOS
Example III: UK
Mobile Virtual
Network Operator
P
fidorOS
Example II: Fidor
Bank Russia
Example I: German
Logistic Company
Full Scope Setup:
Fidor Bank
Germany
Core Banking
Level
B
CBS Fidor

39. Fidor TecS focus on three areas: Grow Fidor Groups footprint,
development of fidorOS and management of fidorOS eco-system
page 39
Support
the
growth
of
FIDOR
Group
and
Operate
its
IT
and
customer
service
Further
development
of
fidorOS
Management
of
fidorOS
Eco
System
Fidor
TecS
AG

40. To increase speed and implementation power Fidor TecS is building
partnerships on 5 levels
Level
Partner
type
DescripBon
1
App
partner
Create
an
mobile/web
app
on
top
on
fidorOS
API
2
In-­‐Account-­‐App
page 40
partner
Create
an
fidorOS
applicaBon
along
FOXI
standard
3
ImplementaBon
partner
ImplementaBon,
customizaBon
and
integraBon
of
fidorOS
4
OperaBng
partner
OperaBng
fidorOS
in
a
data
center
5
fidorOS
Reseller
partner
Resell
fidorOS
licences

41. Contact
Sandstraße 33, 80335 Munich | Germany
E-Mail: schwab@fidor.de
Web: www.FidorTecS.de
Skype: fjschwab
Frank
Schwab
–
CEO
Fidor
TecS
AG

42. Excellent!
Global
Growth
Company

43. BACKUP
page 43

44. API Banking – build for developers: powerful and easy to
understand, to setup, and to use
GET /users/current
{
"id": "5232",
"email": "gruban@fidor.de"
}
GET /users/current/customers
{
"customers": [
{
"id": "16696412",
"title": "Herr",
"firstname": "Patrick",
"lastname": "Gruban"
}]
}

45. fidorOS APIs Version 1: Objects
45

46. fidorOS APIs – an excerpt
46

47. fidorOS best practice architecture
page 47

48. fidorOS: proven and best practice hosting
page 48
Front
End
Servers:
• Raid
1
HD
Array
with
2
HD
with
min.
300
GB
space
for
the
OS
• a
raid
5
with
min.
4
beker
5
HD
with
min.
300
GB
Space
for
the
Data
ParBBon!
• Ram
per
Server
should
be
at
least
32
GB
• CPU
must
be
min
2
Xeon
E5-­‐2630
.
(CPU
Slots
must
be
scalable
up
to
min
8)
HD
speed
10k/umin
is
sufficient.
All
DB
Servers:
• Raid
1
HD
Array
with
2
HD
with
min.
300
GB
space
for
the
OS
• a
raid
5
with
min.
5
,
beker
6
HD
with
min
300
GB
Space.
• Ram
per
Server
should
be
at
least
32
GB,
beker
64
GB
• CPU
must
be
min
2
Xeon
E5-­‐2630
.
(CPU
Slots
must
be
scalable
up
to
min
8)
• HD
Speed
of
15k/umin
is
needed
Firewall
and
Load
Balancer
models
of
your
choice
must
be
equivalent
in
terms
of
throughput,
scalability
and
feature
lists(especially
from
the
security
side
of
view)
to
the
ones
we
do
have
recommended.

49. fidorOS: state-of-the-art infrastructure & security
Data
backup
on
disk
and
tape
in
a
separate
DC
locaBon
with
6
km
distance
to
the
other
DC
fidorOS
/
Housing
&
Infrastructure
Security
2
x
1
GB
Redundant
2
x
1
GB
Redundant
Internet
Access
Internet
Access
High
performance
layer
2/3
firewall
cluster
with
addiBonal
full
scope
IPS
and
IDS
funcBonality
High
performance
layer
7
WAF
(Web
ApplicaBon
Firewall)
cluster
with
addiBonal
intelligent
self
learning
load
balancer
funcBonality
Firewall
controlled
web
DMZ
Load
balanced
web
server
nodes
with
extended
SSL
cerBficates
and
strongest
SSL
security
setup
(SLLlabs
RaBng
A+)
Firewall
controlled
APP
DMZ
Load
balanced
applicaBon
&
service
server
nodes
Firewall
controlled
DB
Server
DMZ
High
performance
n-­‐node
acBve-­‐acBve
DB
cluster
nodes
with
real
Bme
date
replicaBon
Data
Center
Strategy
All
live
and
performance
relevant
systems
do
have
a
complete
redundant,
real
Bme
mirrored
DC
setup
in
two
different
DC
locaBons,
or
as
a
minimum
requirement
in
two
separate
fire
areas
within
the
DC
fidorOS
Code
Security
Strategy
The
fidorOS
code
itself
is
wriken
with
special
akenBon
to
prevent
any
security
leaks
like
cross-­‐site
scripBng
and
SQL
injecBon.
Input
fields
are
always
validated.
Layer
2/3
Entry
Firewall
Layer
7
Firewall
&
Load
Balancer
Web
Server
DMZ
ApplicaBon
&
Service
Server
DMZ
Database
Server
DMZ
Data
Backup