最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

并购银行?亚马逊表示可能还没这个计划

国际资讯

并购银行?亚马逊表示可能还没这个计划

亚马逊公司应该不会在2018年在银行业进行并购,但这并不意味着这家电商巨头会彻底“告别”银行服务。

首先,银行业监管准备金十分高昂。这为科技企业与零售商提供了大量机遇,使其可介入提升客户体验,填补现有金融机构空白。对亚马逊而言,提供金融服务不过是种手段:用以售出更多的货物从而获得更多利润。其主要竞争对手仍是其他零售商,而非银行。

福雷斯特首席分析师Alyson Clarke表示,亚马逊已经推出了信用卡与支付服务,他们这样做并不是借此获利,而是因为提供此种服务可使顾客更为迅捷地获得商品。向亚马逊入驻商家提供贷款的小型企业助力其站稳脚、快速运转,这支撑了亚马逊现行商业模式。

此外,沃尔玛的经历也足以让想要获取银行许可证的企业意兴阑珊。亚马逊的宿敌沃尔玛曾数次努力意图开设银行:1999年沃尔玛收购了俄克拉荷马州联邦中心银行(Federal BankCentre);2016年该公司申请了银行执照,试图在犹他州创立实业贷款公司。最终立法者与银行集团阻止了沃尔玛进一步进军银行业的举动,并禁止商业企业获取实业贷款企业执照(ILC licenses)。

亚马逊银行对现有银行来说无疑是个威胁,银行已意识到针对客户体验的竞争不在存在于银行间,它们的对手是其他行业,尤其是零售业。但若亚马逊正式成为银行情况就并非如此了。

益博睿高级业务顾问Cherian Abraham认为,银行卡支付整合入应用或服务中已成趋势,而该机构也见证了银行意识到此股潮流却无动于衷所面临的下行风险。

2018年,零售与金融服务的联系将比以往更为紧密。迄今为止,亚马逊已涉足支付、现金、借记卡、小型企业借贷与消费信贷领域。亚马逊等科技企业的作用将逐渐转化成为消费者提供不同财产处理方式,而消费者的资金也将越来越分散,可能在Venmo、PayPal、Robinhood与Acorns等投资,或Digit与Qapita等储蓄应用中。这将使得金融交易容易操作,甚至轻松有趣。

因此,银行从顾客处获得的存款自然越来越少,同时也失去了通常以信用卡与贷款等形式拉拢此类账户进行交叉销售的机会。银行已经意识到,要想紧跟数字化变革潮流,自己必须成为金融科技与零售体验背后的无名英雄。

Ally Bank 消费者与商业银行产品总经理今月早些时候向Tearsheet 表示:"金融服务是一项难以创制新产品的领域。产品、体验与应用方面创新较少。

Forget the speculation about Amazon buying a bank next year. But don’t count it out from adding banking to its near endless line of offerings.

Regulatory capital requirements are high and there are big opportunities for tech companies and retailers to step in and improve their customer experience where financial incumbents fall short. For Amazon, providing financial services is just a means to an end: making more money by selling more things. Other retailers are still its main competition — not banks.

“They’ve already got the cards and payments going on — and they’re not making money off that, they’re doing that because it enables people to get their goods faster,” said Alyson Clarke, a principal analyst at Forrester. “Small business lending to businesses on the platform helps them get up and running faster, it’s about supporting Amazon’s existing business model.”

Plus, the Walmart story alone is enough of a turn-off for someone perhaps seeking to obtain a banking license. The longtime Amazon rival has tried becoming a bank a number of times: in 1999 it tried to buy Federal BankCentre, a one-branch thrift in Oklahoma; in 2006 it applied for a banking license to establish an industrial loan company in Utah. Eventually lawmakers and banking groups blocked future banking efforts by Walmart and tried to prohibit commercial companies from obtaining new ILC licenses.

The Bank of Amazon is certainly a threat to incumbent banks, but the urgency to respond is now — banks have already realized they aren’t competing against each other for customer experience anymore, they’re competing against other industries, particularly retail. Not if or when Amazon formally becomes a bank.

“There was already a trend of bank card spend being consolidated inside apps and services, and we are seeing the downstream risk to banks who are aware of this trend but aren’t do anything to act on it,” said Cherian Abraham, senior business consultant at Experian.

Retail and financial services will become even more intertwined than ever in 2018. To date, Amazon has a foot in payments, cash, debit cards, small business lending and consumer credit. More and more, the role of tech companies including Amazon is to give people different ways to interact with their money at a time when consumers funds are becoming more and more dispersed — across places like Venmo, PayPal, investment apps like Robinhood and Acorns, savings apps like Digit and Qapital. And make those financial transactions easy to use and perhaps even fun.

As a result, banks are naturally taking fewer and fewer deposits from customers while losing their cross selling opportunities that have typically subsidized those accounts: credit cards and loans. They’re realizing in order to keep up with digital change they’ll have to become the invisible brand on the backend of fintech- and retail-powered experiences.

“Financial services is a difficult category in which to create new products,” Diane Morais, Ally Bank’s president of consumer and commercial banking products, told Tearsheet earlier this month. “There’s not a lot of innovation that happens in the product, the experience, the application.”


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

常笑未央编辑团队

213
总文章数

TA还没写个人介绍。。。

四大行缘何缺席资管子公司?

徐巧 | 新浪金融研... 2天前

银行里的P2P产品就一定安全吗?

七点半理财 | 网贷之家 09-14

钱去哪了?金融机构存款增速创1979年以来新低

佚名 | 每日经济新... 09-06

亚马逊如何撑起万亿美元市值?

资事经纬 09-06

没有“边界”的亚马逊:1万亿美元市值不是终点

纪振宇 09-05

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1