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“The future is always here - it’s just not evenly distributed yet.”
William Gibson, Fiction Novelist
Soci
al s
tatu
s
Orientation
High
Low
Internet distant unsettled
27%
Internet Layman 12%
Responsible established 10%
Skeptic
10%
Carefree
Hedonist 12%
Efficiency Oriented Performer
14%
Digital Sovereign 15%
Source: Sinus 2011
Outsiders
Traditional Modern
Immigrants Natives
CBS Country 1
Community Payments Account
Fron
t End
Web / Mobile
Product- Features
Core- Module/s FidorOS CORE
Interface to Core Banking
Country-specific Core Banking System
LAYERS
CBS Country 2 CBS Country n
Mid
dle
War
e B
ack
End
RE
STf
ul A
PIs
Fidor Operating System (fOS) is API based, modular, future-proof and free of legacy
Technology
HTML5 / Native iOS, Android
Ruby/ Ruby on Rails/ MySQL
MQ Series
CBS specific
Bonus Third party
Third party apps / in account apps
General Admin
Cor
e
Activities
Security
Fidor OS
Transaction
Authorisation
Customer
Booking
...
The FUTURE is NOW!
„The Fidor Smart Account kills the
traditional bank account, like the
smartphone killed the mobile phone“.
Matthias Kröner, CEO Fidor Bank Group
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