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亚太区银行也将受益于开放式银行

传统金融的互联网化国际资讯

亚太区银行也将受益于开放式银行

著名咨询机构埃森哲的一项调查显示,亚太地区90%的大型银行计划为其商业客户提供开放式银行服务,其中半数机构期望通过开放式银行业务帮助实现增长10%的收益增幅,另有三分之一的机构对增长的预期则达到20%。

该研究还表明,该地区的商业客户与普通用户对服务的需求基本一致,都是希望获得更具创新性的流程和更好的客户体验。

此外,商业银行客户还希望开放式银行能够帮助他们降低银行连接的复杂性和实施成本,并使他们能够接触到更多的客户和合作伙伴。

当被问及最需要普及开放式银行业务的领域时,中小企业认为主要集中在支付、财务和现金管理方面,而大型企业则集中在金融、财务管理和支付方面。

该地区超过三分之一的商业银行客户已经参与到了开放银行平台业务中,另有37%的机构计划在2019年加入其中。

当被问及更愿意与哪种机构进行开放银行计划合作时,四分之三的大型企业客户和近三分之二的中小企业选择了银行,只有12%的大型商业客户和16%的中小企业更喜欢非银行技术提供商。

埃森哲亚太区银行业务负责人Fergus Gordon表示:

“到目前为止讨论开放式银行业务时,大部分焦点都集中在零售市场上,但在商业银行方面,价值创造可能同样大,甚至更大。企业的需求就是创新服务的需求,银行可以通过利用这些机会获得很多收益。”

Most large banks in Asia Pacific think providing Open Banking services for their commercial clients is a key strategic initiative in their digital transformation programmes, and many expect it to help them achieve double-digit revenue growth, according to research from Accenture.

According to the study, 90% of large banks in Asia Pacific plan to provide Open Banking services for their commercial clients, with half expecting Open Banking to help them grow their revenues up to 10% and another one-third expecting it to help them move their revenues up to 20%.

The research also shows that commercial bank customers in the region want the same things that retail bank customers want — more-innovative processes and a better customer experience. When asked to identify the most significant benefit of using an Open Banking ecosystem platform, respondents in AsiaPac most often say gaining access to convenient and innovative banking services, cited by 30% and 20% of executives at large corporations and SMEs, respectively.

Commercial bank customers also expect Open Banking to help them reduce complexity and implementation costs for bank connectivity (cited by 24% of large corporations and 23% of SMEs) and enable them to reach more clients and partners (cited by 19% of large corporations and 21% of SMEs).

When asked to identify the business areas that could be most improved in partnership with their bank through Open Banking, respondents at SMEs in AsiaPac cited payments, finance and cash management, while large corporations cited finance, treasury management and payments.

More than one-third of commercial bank customers in the region already participate in Open Banking platforms and another 37% plan to do so in 2019. When asked who they would prefer to partner with on Open Banking initiatives, three-quarters of large corporate clients and nearly two-thirds of SMEs cite their bank. Only 12% of large commercial clients and 16% of SMEs would prefer a non-bank technology provider.

“Much of the focus so far when discussing Open banking has been on the retail market, but value-creation can be just as big, if not bigger, in the commercial banking side,” says Fergus Gordon, banking practice lead, Asia Pacific, Accenture. “Demand from businesses is clearly there for innovative services and banks have a lot to gain by tapping into those opportunities.”

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