最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

经济学人:银行必须加快适应数字时代转型

传统金融的互联网化国际资讯

经济学人:银行必须加快适应数字时代转型

近日,《经济学人》发表了一篇关于数字银行的专题报告。报告指出,银行应该提高行业灵敏度,尽快适应相关技术的发展变化。

本次报告是由《经济学人》与银行与金融软件提供商Temenos合作完成的。2017年,两家机构也曾联合撰写过类似的报告。当时,市场的主流节奏是银行与金融科技企业合作。而如今,如何挑战金融科技企业变成了新的银行行业话题。

该报告指出:

“要与金融科技企业进行竞争,银行可以构建与其他产品及服务无缝连接的全方位平台。引导投资向数字渠道交付能力方面倾斜,如移动(54%的受访者认同这一观点)、基于云端的技术(48%)以及前端和后端系统现代化(37%)。”

关于实体场所的需求,报告指出“随着客户行为的变化,实体分支机构迅速消失”,但61%的受访者“仍然认为这种传统的交易分支机构模式依然应该存在,这相当于认为实体银行会在2020年前消亡的总人数的两倍。”目前尚不清楚银行将如何处理没有人愿意去的昂贵的实际地点。

此外,科技巨头仍然是银行产业中不容忽视的一部分。消费者和企业仍然需要银行服务,但是可能并不大需要银行了。

报告指出:

“GAFA(Google、Apple、Facebook 和Amazon,简称GAFA)可能对现有的零售银行业务订单构成更多的威胁。亚马逊正在与摩根大通商讨为其美国购物者提供现金账户服务。目前该公司在提供金融服务方面已经有了一些经验,并自2011年以来已经通过其Marketplace平台向小企业借了超过30亿美元。但银行在GAFA方面仍享有一些优势:例如,建立的银行客户群和金融服务领域的长期声誉。最重要的是,他们的客户以最重要的金融资产信任他们。最近对数字巨人对私人数据的使用及其对社会的影响的审查可能会增加这一优势。”

尽管一些银行希望能够平安渡过这场数字海啸,但许多权威人士认为,大多数银行将会出现并消失。而高盛公司的Marcus平台应该算是美国传统金融公司挑战金融科技和大科技的猛烈冲击的最好例证。通过摆脱传统技术和物理位置的阻碍,Marcus正在迅速发展,为消费者提供优质产品,以挑战现有货币中心银行。

值得注意的是,如今技术创新对零售银行产业的影响甚至超过了监管因素。报告指出:

“......零售银行家认为数字革命是当今时代的决定性趋势。不断变化的客户行为和技术已经使监管黯然失色,成为塑造行业最重要的因素。”

传统银行未来真的能幸存下来吗? Temenos和《经济学人》认为应该是可以。

然而,大多数消费者其实只是想使用一个他们信任的品牌,通过智能手机处理所有的金融需求,减免过高的费用,以及获得更好的服务而已。

The Economist has published a report on digital banking and the need for established banks to become more agile and adapt to the changes in technology. The document has been published with the support of Temenos, a provider of banking and finance software. The Temenos / Economist pairing produced a similar report in 2017. At that time, partnering with Fintechs was the main message. Today, the discussion has moved from working together to challenging Fintech focused firms head on.

The report states:

“Banks can take the Fintechs on by building all-encompassing platforms that are seamless with other products and services. Digital investments are being directed to digital channel delivery capabilities such as mobile (cited by 54% of respondents), cloud-based technologies (48%), and in modernising front- and back-end systems (37%).”

Regarding the need for brick and mortar locations, the report states that “branches are disappearing quickly as customer behaviour changes” but 61% of respondents “still see a place for the traditional transaction-based branch model, nearly twice as many as those who think it will be dead by 2020.” It is not clear what a bank will do with the costly, physical locations that nobody wants to go to.

Big tech is the elephant in the room. While consumers and businesses need banking services, we do not really need banks anymore.

“GAFA may pose more of a present threat to the established retail banking order. Amazon is in discussions with JPMorgan Chase to offer current-account services to its American shoppers. It already has some experience in providing financial services, having lent over US$3 bn since 2011 to small businesses via its Marketplace platform. But banks still enjoy some advantages over GAFA: an established banking customer base, for example, and long-held reputations in the financial services space. Most crucially, their customers trust them with their most significant financial assets. Recent scrutiny of the digital giants’ use of private data and their impact on society may increase this advantage.”

While there is hope for some banks to survive the digital tsunami many pundits believe that most will whither and disappear. Perhaps the best example in the US of a  traditional financial firm emerging to challenge the Fintech and Big Tech onslaught is Marcus – the creation of Goldman Sachs. Unhindered by legacy tech and physical locations, Marcus is growing rapidly to challenge existing money center banks with superior offerings for consumers.

The digital disruption is obviously the leading concern – even more so than excessive regulation.

“…retail bankers that the digital revolution is the defining trend of the current era. Changing customer behaviour and technology have eclipsed regulation to become the most significant factors shaping their industry.”

So can traditional banks survive? Temenos / The Economist appear to believe so.

Meanwhile, most consumers just want to handle everything on their smartphone with a brand they trust, minus the excessive fees, and poor service emblematic of too many traditional banks.


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

印度网贷平台Drip Capital获1500万美元融资

Biswarup G... | ECONOMIC T... 06-21

2018年5月:美洲金融科技创企融资突破20亿美元

常笑 06-20

实现普惠金融:金融科技、账户使用率与创新

H.M. Queen... 06-19

2018上半年:欧洲fintech行业筹资半数流入英国

耿颖 06-19

2018年菲律宾十大金融科技创企

潘, 妍媛 06-15

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