You will be able to download all slides in power point for this report
and all data is available excel

Money is a message or money is a record?

No QR codes for private parties and little control over private money flow, have you got a wallet?

Legacy banks are Neobanks with real estate investments and social costs burdens.

Will spinning of bank branches and other real estate help to transform legacy banks to lean structure of Neobanks?

Or restructuring workforce, laying off people and reducing social cost is also needed?

What else will help legacy banks to survive?

Should legacy banks invest into ecosystems?

Or should legacy banks invest into fintech?

Is national banking infrastructure well enough to support fintech developments?

Can legacy banks catch up with likes of Paypal, Klarna, Puls and Revolut in cross border banking?

Is mobile banking application just enough?

Is Europe a step ahead with its open banking infrastructure?

Or System of instant payments like in Russia is better way to proceed?

Booking and Rb&B were successful in aggregation, is there a room for aggregators of bank services?

What about cross border aggregation in banking sector?

Who makes money on consumer credits?

Who makes money on corporate loans?

Who makes money in public debt?

Who makes money on SME credits? Which sector is underbanked?