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Fidora Bank, a "true" community bank

It has existed since late 2009, but if you do not know, it is always worth a visit: Fidora Bank, based in Munich, has completely overturned the traditional model of a bank, making the funds a true community experience. The concept of " 2.0 bank" takes on another dimension, away from ad hoc initiatives of institutions often usurp the traditional way ...

Matthias Kröner, CEO, is also not kind to the competition, he accuses [ YouTube link] easily be focused on selling products that they are useful or not customers. It is true that in Fidora, it is rather the customers who make the law, through the community that forms the heart of its strategy. Materialized by a space to look like social network, it allows everyone (customers or not) to share "tips" (including the competing banks) to ask questions and meet others to suggest new products or services ...

Any "active" to the community translates into premium (in euro hard cash) and participates in enhancing the customer profile, thereby establishing its credibility and reputation.

And for the bank, it is also a source of innovation since it is the users who offer new products and services and it is they who give their opinion on the suggestions, thus emerge The most popular applications, which deserve to be implemented.

The community does not, however, boils down to a espace de discussion. Les participants ont, par exemple, la liberté de négocier des prêts et emprunts entre eux (en "P2P") sans l'intervention de la banque (sinon pour les transferts de fonds entre leurs comptes). Fidor propose ses propres solutions de crédit (elle possède une "vraie" licence bancaire) mais laisse le choix aux clients de la meilleure solution pour chaque besoin. Dans tous les cas, la "solvabilité" de l'emprunteur sera évaluée non seulement sur son profil financier mais également sur son activité sociale.

Autre particularité de Fidor Bank, qui ne propose pas de carte de paiement : à chaque compte courant est associé un moyen Payment baptized FidorPay , which reproduces the model of PayPal payments by allowing P2P (peer to peer) or from a network of thousands of traders with a unique identifier for an email address, a mobile number or Twitter account.

After a year of existence, Fidora had 7000 customers and 70 million euros in deposits. The community brings with her 25 000 participants who have already asked over 3000 questions, each of which has averaged more than 5 answers, and who evaluated 1800 banking products and services. a success that can seem modest, but undermines the persistent belief (in Germany as in France) that money is not a subject of public discussion ...

Thank @ emmanuelps for drawing my attention to Fidora Bank! It would certainly be much to write but, unfortunately, my mastery of the language of Goethe is not quite at the level ...