The Future of Finance

What will the world look like when ‘things’ start making payments, algorithms give advice and blockchain keeps track of our transactions? What will the insurance business model look like when risk becomes predictable? Is there any future for money now that it’s becoming less visible?

Can we agree that the future of finance is at least challenging? If banking as we know it no longer exists, if investments are made by robots instead of humans, if risk has become predictable… If technology can take over 70% of the processes within finance and we no longer need people, can we then say that the future of finance is at least challenging? New business models are forthcoming. Privacy and security are under pressure. Fintech flourishes and the bank branch of the past will never come back. Welcome to the future of finance. This lecture can be combined with ‘Company of the future’. It can also be customised on request.

Topics that will be covered during the lecture


Finance of Things

With the exponential growth of the IoT, payment functionality will soon be embedded in virtually any type of device. Instead of carrying a physical wallet with bank cards and cash, we will increasingly move towards contactless payments. In the not too distant future, we will be making payments with our smart car key fob, our fingerprints, our favourite ring or from within our social media profiles. The possibilities are endless.


Blockchain creates a global ledger of transactions distributed over an immeasurable user network that can’t be altered after they have been created. It’s tamper-proof, secured by advanced cryptography and has no central authority. The blocks containing the transaction data are electronically chained together. The whole system is has so far proven immune to hacking.


P2P, peer-to-peer or person-to-person is an online technology that enables people to transfer money to another person’s account using a mobile application or online interface. While there are designated money transfer apps such as PayPal, Skrill and WePay, payments can also be made via Twitter, SnapChat, Google and Facebook. P2P offers access to financial services at a lower cost and increases convenience.

New business models

The financial services industry has recently witnessed the rise of digital innovators like FinTech startups and non-bank companies in media, e-retailing and other industries, presenting a serious threat to traditional business models. There’s the risk of losing customers to these providers as they raise customer expectations. Traditional banks need to look to the FinTech movement for inspiration on how to become more agile, offer improved products and provide better customer service.

Artificial intelligence

Having witnessed significant disruption in other sectors, financial institutions are acutely aware of the potential of artificial intelligence. After observing tech giants and startups implement AI to streamline their operations and improve how they serve their customers, financial institutions have also started to invest in this new technology. It provides them with powerful tools to reshape some of their most fundamental operating models and processes.

Robot advice

Robots are transforming the wealth management industry as well, and new investors are starting to see the advantages of robot advisors providing financial advice. Digital advisors or robot advisors are automated online services that offer easily accessible, affordable and algorithm-based portfolio management advice – ranging from tax management to asset allocation, trade execution and product selection - based on the answers to a series of questions about a client’s objectives.

Privacy and security

Up until recently, in a world of extreme transparency, the finance industry has somehow managed to remain one of the few last bastions of client confidentiality. But the tables are turning, even in finance. The Internet is the largest threat to privacy, and these days, cybercrime is big business, significantly impacting the way the financial services industry operates.

Company of the future

The company of the future is hyper connected. It closely monitors new developments and collaborates with startups, scientists and universities. It uses smart algorithms to analyse the world and employs a flexible workforce capable of rapidly developing new products, services or processes and offering support on complex issues. The company of the future requires accessible leaders who inspire, have new visions and are prepared to veer off the beaten track.

These companies have already experienced our inspiration sessions



Richard van Hooijdonk

International keynote speaker, trend watcher and futurist Richard van Hooijdonk offers inspiring lectures on how technology impacts the way we live, work and do business. Over 420,000 people have already attended his renowned inspiration sessions, in the Netherlands as well as abroad. He works together with RTL television and presents the weekly radio program ‘Mindshift’ on BNR news radio. Van Hooijdonk is also a guest lecturer at Nyenrode and Erasmus Universities.

0 +

I am interested in this lecture

Are you interested in this keynote lecture? Please complete the request lecture form or call me on 085-3030792.


Below you will find some videos of various performances and interviews with, among others, RTL Boulevard, RTL News, VARA and BNN. More videos can be viewed here.

What did others think of this lecture?


The symposium ‘Pilots vs. Nerds, Airpower in the Information Age’ was a great success. Nothing but positive feedback from the participants. In no small part thanks to your commitment and dedication, we were able to achieve this result.

Alexander Schnitger
Lieutenant-General Royal Netherlands Airforce

Richard van Hooijdonk’s contribution to the congress was particularly dynamic and inspiring! The participants experienced recognition, awareness and certainly, a wake-up call. There were no signs of a post-lunch dip! In short, an excellent contribution through a highly professional performance.

Jan Struijs

Richard van Hooijdonk is today’s foremost trend watcher. He explores how the latest technological developments impact each aspect of our lives, providing an exciting and sometimes disconcerting view of our future. And make no mistake; the future is coming at us with the velocity of a comet. Not only is Richard a child of the future; he is a great storyteller as well.

Roelof Hemmen
Presenter RTL news and BNR news radio

With your presentation 'Trendz 2030' you awakened the customs organisation. At the end of the day it turned out that your presentation had made the biggest impression. You made sure the issues were put on Strategic Management’s radar.

Alex Drost
Customs and the Tax and Customs Administration

A dazzling journey through new technology. The enthusiasm and energy during his presentation, combined with the visuals, provided a successful kick- off to our event.

Patrick Steemers
Partner Deloitte

99% was incredibly enthusiastic and 1% very enthusiastic :)! You've caused quite a stir within the group. Well done!

Joost Gulden
Head of Sales Stedin

An impressive and noteworthy presentation for our employees and customers. The rate at which change is happening - which you eloquently brought across in your energetic speech - requires a disruptive approach. To be continued!

Rob Pols
CEO Atos

Enthusiastic speaker, a good and versatile story. Everyone was ‘wowed’ by the lecture.

Maarten Buikhuisen
Directeur Global Solutions Heineken

Great keynote that really opened our eyes. Sparkling and energetic, from beginning to end. Thanks Richard, for showing us this different view of the fitness market and its future.

Arjan van Dijk
Commercial Director Matrix Fitness Benelux

Richard has inspired us and given us food for thought through his ‘own way’ of presenting - characterised by humour and interaction. It gives people energy, stimulates creativity and encourages thinking in opportunities.

Marcel Grisnigt
Vice President Thales

A spectacular kick-off to our ‘Away Day’. With many examples, he shows which changes are necessary to keep up with the technological developments. The presentation sparked many discussions throughout the day and inspired ideas for follow-up actions.

Gerard Blom
General manager Deltares

Afterwards everyone was enthusiastic. Not only because of the way you illustrated the generic trends but also because of the way you applied them to the agricultural and livestock industry - the market in which De Heus operates.

Joost Belt
Global Director – De Heus

Richard knows how to interpret the new developments in an inspiring manner, while simultaneously outlining their impact. Our visitors were challenged and inspired. Richard, thanks for an exciting and 'wondrous-ful’ presentation!

Leo van den Ende
CEO Sigmax

A great story, interactive, supported by many facts and anecdotes. He has convinced us.

Peter Zoeteman
Managing Director, Maritime Technology

Richard is very interesting and a true visionary. He brings the future so close that you can almost feel it. We found it interesting to see where technology will lead and how it will change our company and our business models.

Jan van Megen
Country manager - Arjo Huntleigh

Richard van Hooijdonk provides a dazzling presentation on numerous technological developments and their impact on society and the economy. Credible, high-speed and to the point. Inspires to think and act.

Henk Geveke
Managing Director TNO Defence

With lots of energy, Richard inspired us about the bewildering future of ‘value-based’ healthcare at the Swedish Embassy in The Hague. Thank you very much!

Andreas Rentner
Swedish Ministry of Economic Affairs

Highly recommended for any entrepreneur who wants to move with the times or rather; keep ahead of the times. Very inspiring.

John Verhagen
Chairman of the Executive Board ABAB

Richard van Hooijdonk was the perfect inspiration and he encouraged everyone to have an open mind! His enthusiasm, positivity and many tangible facts make him very credible.

Tessy Erns
Chairman Association of VPM

The connections have been made. We now know how to participate, innovate and conquer new markets in a unique way. Thanks for the fantastic session.

Rob van Veen
Commercial director, Draka

Richard's enthusiasm and inspiration were contagious. We’re still talking about it. He gave us food for thought; it was great to be able to share in his passion. He brought the future closer!

Gerard van der Vegte
Director X-ICT

Such an energetic and enthusiastic speaker! From the first few minutes, the audience hung on his every word when he spoke about ‘the future of healthcare.’ Especially the way he personally deals with these developments got people talking. It was a perfect start of our annual staff conference.

Angeline van Dijk
Director - Zorg van de Zaak


Our blog features a multitude of compelling technology articles on various subjects. New articles are added every week to keep you posted on the latest trends.

25 business leaders who inspire

25 business leaders who inspire

Running a business can be tough, and it’s not for the…
Human DNA holds the key to ultimate product and service personalisation

Human DNA holds the key to ultimate product and service personalisation

DNA could unlock the secret to efficient skin care Individually tailored…
5G paves the way for the era of total connectivity

5G paves the way for the era of total connectivity

5G brings unprecedented speed SEAT unveils the 5G-connected car Powering the…