MARKET OPPORTUNITY

Opportunity

In today’s evolving financial landscape, Swister stands out by addressing challenges faced by traditional finance and fintechs. Traditional institutions struggle with high costs and outdated technology, while fintechs have a low-cost reputation that limits access to high-net-worth clients. Swister revolutionizes the industry with comprehensive financial services for individuals, businesses, and institutions.

Swister’s innovative solutions include 3D luxury real estate funds and Swister Pay’s secure payment systems. The company also develops unique financial products like consignable and fissionable savings accounts to meet modern consumer needs.

As the fintech market heads towards $1.5 trillion by 2030, Swister leverages digital adoption, consumer trust, and regulatory changes to expand its reach and solidify its leadership in global financial services. Focused on innovation, customer-centricity, and market growth, Swister is set to redefine the future of finance.

Problem & Solution

Problem:

Traditional finance players struggle with burdensome expenditures and non-performing assets, compounded by outdated technology. Meanwhile, fintechs face a challenge in targeting High-Net-Worth individuals due to their low-cost reputation. Overall, both sectors encounter obstacles in effectively serving their markets.

Traditional finance players are burdened by sticky expenditures and non-performing assets, negatively impacting their balance sheets.
Outdated technology or lack of visionary implementation further compounds operational inefficiencies for traditional finance players.
Fintechs struggle with a low-cost connotation, hindering their ability to effectively target High-Net-Worth (HNW) individuals.
Both traditional finance players and fintechs face challenges in effectively serving their target markets due to these limitations

Solution:
Swister offers comprehensive financial services, including investment in luxury real estate through 3D Funds, secure payments with Swister Pay, and innovative financial products like consignable and fissionable savings accounts. Swister Voice serves as both a communication platform and a marketing tool for these services

Investment Services: Swister offers investment opportunities through its 3D funds, specializing in luxury real estate investments in Italy and emerging markets.
Swister Pay: It provides a convenient and secure payment system for individuals, businesses, and potentially other financial institutions.
Swister Financial Products: Swister develops innovative financial products such as consignable and fissionable savings accounts, and multi-layer current accounts.

Swister Voice: It serves as a versatile communication platform allowing users to connect using various personal identification items, doubling as a marketing tool for promoting Swister’s financial products.

Market Overview

The fintech sector is on a rapid growth trajectory, set to reach $1.5 trillion in revenues by 2030, a stark increase from $245 billion. This outpaces traditional banking revenue growth by nearly threefold between 2023 and 2028. Factors driving this include banking industry transformation, digital adoption, and expanding e-commerce, especially in developing nations. Both retail consumers and B2B firms are increasingly embracing fintech solutions, particularly in areas like lending and payments.

Yet, as fintech evolves, companies must navigate regulatory shifts and ensure compliance. Despite short-term challenges, there’s substantial growth potential for fintechs in public and private markets, promising innovation and expansion in financial services.

TAM: The Total Addressable Market (TAM): Fintech’s Total Addressable Market is massive, projected to hit $1.5 trillion by 2030. This amounts to nearly 25% of global banking valuations by then. The market includes sectors like banking fintechs, expected to see substantial growth ahead. (Source).

SAM: The Serviceable Available Market (SAM): From an initial 9.6 million eligible population, correction coefficients refine potential users to about 268,800. SAM varies from 1.8 to 4.2 million users, or conservatively estimated at 1.9 million.

Correction coefficients to refine this estimate.

Skill-related coefficient: 0.57
Legal persons coefficient: 1.06
Extraterritoriality coefficient: 1.34
Interconnection coefficient: 0.08
Eligible investments coefficient: 0.39

(Source: Statista Number of Fintech Users; Transaction Value; Transaction Users)

SOM: Service Obtainable Market: The Swister’s market size hinges on regulatory constraints and capital adequacy ratios set by financial regulators, directly correlating with its capital. Its freemium services (Pay and Voice) are forecasted to capture between 0.05% and 0.1% of their respective multi-billion markets.

Swister 3D Trading, as a dedicated investment platform, may count on the following market shares:

EEA	0.21%
Home Countries	1.75%
Focus Regions	5.83%
Focus Regions, HNW Segment	31.08%

Key Growth Drivers for Adventure Sports E-Commerce

Digital Adoption: Global digitalization, with 73% of banking interactions now online, fuels demand for fintech solutions, driven by a desire for innovative financial products.
Trust in Fintechs: Rising consumer trust in fintechs, comparable to traditional banks, presents opportunities for Swister, particularly in developing economies.
Regulatory Environment: Evolving regulations, while challenging, offer opportunities for fintechs like Swister to adapt offerings to meet compliance requirements and capitalize on market shifts.
Global Market Growth: The fintech market is projected to grow sixfold by 2030, providing Swister with opportunities to expand its reach and offerings.

Target Market

Swister’s target market encompasses diverse regions, including Italy, Switzerland, Northern & Western Europe, Mediterranean Europe (excluding Italy), Eastern Europe (within and outside the EEA), Middle-East & Western Asia, Eastern Asia (including S-E Asia), Rest of Asia, North America, and Rest of the World. The size of Swister’s market is closely linked to its capital, regulated by financial authorities through capital adequacy ratios and other indicators. As Swister’s consolidated capital grows over time, its market size expands correspondingly.

Target Customer Segment

The target customer segments for Swister encompass a diverse range of individuals and businesses:

a. The Individual and Customer Segment:

Holders of an e-wallet: These individuals form the foundation of Swister’s customer base, using Swister Pay for everyday transactions and online shopping.
Retailers: Swister provides solutions for retailers, enabling them to accept payments and manage their finances efficiently.
Business Associates: Swister caters to business associates, offering tailored financial services to support their operations and growth.
Normal individuals with savings and investment accounts: Everyday individuals with savings and investment needs rely on Swister for secure and accessible financial services.
HNW individuals with savings and investment accounts: High-net-worth individuals seek Swister’s personalized banking services for capital protection and seamless international transactions.

b. Swister’s offerings, including Swister Pay, Swister 3D Trading & Bank, and Swister Voice, cater to distinct customer needs and preferences:

Swister Pay: Targets companies or merchants operating in industries with narrow profit margins, offering streamlined payment solutions.
Swister 3D Trading & Bank: Focuses on HNW individuals seeking personalized banking services and investment opportunities, with a global perspective and emphasis on capital protection.
Swister Voice: Attracts users concerned about privacy and those seeking an instant messaging and VoIP tool with advanced features like non-intrusive Do-Not-Disturb functionality.

c. Investment Selection Criteria:

Swister’s approach to real estate investment, particularly in Swister SICAV real estate, reflects its focus on catering to HNW clients:

Commercial or residential buildings of high standing that reflect the lifestyle of Swister’s HNW clients
Suitable for conversion into a Swister representation lounge in the event of a repossession by the bank
Within the price range 10-25million in the first year, 15-100 million thereafter
Located in Swister’s strongholds (25% of portfolio) or locations worldwide (including stable emerging countries) that produce an estimated leveraged yield of 6-7%.

Example: Properties like Palazzo Ferrajoli on Rome’s Piazza Colonna exemplify Swister’s approach, offering structures akin to those operated by Italia Turismo, reflecting both prestige and financial viability.

Competitive Analysis

PayPal vs Swister Pay:

PayPal has a significant market lead with around 35 million associated merchants and over 400 million active end-users.
Swister Pay offers a competitive edge by providing free services to participating shop owners and a more flexible refund policy.
PayPal’s commission-based model, charging processing rates and fixed fees, poses obstacles for merchants, making Swister Pay a preferable option.

Revolut vs Swister Bank:

Revolut, a European neo-bank, boasts over 25 million active customers and substantial balance totals.
Swister Bank maintains a lead with a group of top-tier bankers focused on reputation, trustworthiness, and dealing with high-net-worth individuals (HNW).
Revolut’s low-cost banking model and controversies limit its appeal to wealthy clients, giving Swister Bank an advantage.

DEGIRO vs Swister 3D Trading:

DEGIRO, an online brokerage, experiences rapid growth with varying reported client numbers.
Swister 3D Trading distinguishes itself with a finance model based on economic leverage, allowing focus on preferred niche markets.
DEGIRO’s reliance on a large customer base for its low-end retail model and image concerns make it vulnerable, contrasting with Swister’s targeted approach.

WhatsApp vs Swister Voice:

WhatsApp, with over 2 billion users, is dominant in communication and payment processing.
Swister Voice offers distinct advantages such as enhanced privacy, dedicated features for savers/investors/traders, and no commissions on financial transactions.
WhatsApp’s data-sharing practices and transaction fees present obstacles, making Swister Voice a preferable choice for users concerned about privacy and financial costs.