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| Author | : Chris Skinner |
| Publisher | : Marshall Cavendish International Asia Pte Ltd |
| Total Pages | : 275 |
| Release | : 2014-05-15 |
| Genre | : Business & Economics |
| ISBN | : 9814561800 |
Download Digital Bank: Strategies to launch or become a digital bank Book in PDF, ePub and Kindle
Digital Bank tracks the innovations in banking and how the mobile internet is changing the dynamics of consumer and corporate relationships with their banks. The implication is that banks must become digitised, and that is a challenge as becoming a Digital Bank demands new services focused upon 21st-century technologies. Digital Bank not only includes extensive guidance and background on the digital revolution in banking, but also in-depth analysis of the activities of incumbent banks such as Barclays in the UK and mBank in Poland, as well as new start-ups such as Metro Bank and disruptive new models of banking such as FIDOR Bank in Germany. Add on to these a comprehensive sprinkling of completely new models of finance, such as Zopa and Bitcoin, and you can see that this book is a must-have for anyone involved in the future of business, commerce and banking. Chris Skinner is best known as an independent commentator on the financial markets through the Finanser (www.thefinanser.com) and Chair of the European networking forum The Financial Services Club, which he founded in 2004. He is the author of ten books covering everything from European regulations in banking through the credit crisis to the future of banking, and is a regular commentator on BBC News, Sky News and Bloomberg about banking issues. More can be discovered about Chris here: http://thefinanser.co.uk/fsclub/chris-skinner/
| Author | : Luigi Wewege |
| Publisher | : Walter de Gruyter GmbH & Co KG |
| Total Pages | : 138 |
| Release | : 2019-12-02 |
| Genre | : Business & Economics |
| ISBN | : 1547401613 |
Download The Digital Banking Revolution Book in PDF, ePub and Kindle
Emergent innovative financial technologies are profoundly changing the way in which we spend, move and manage our money, unlike ever before, and traditional retail banks are facing stiff competition. The global financial crisis in 2007–2009 led to large losses, and even the collapse of a significant number of established banks shaking the trust of financial customers worldwide. The Digital Banking Revolution is an insightful look at how financial technology and the rapid rise of financial technology companies have brought welcome changes offering flexibility to the banking industry. The book offers a unique perspective on the consumerization of retail banking services. It delves into the many changes that financial innovations have brought about in banking, the main financial disruptors, the new era of "banking on the go," and financial innovations from countries around the world before concluding with a discussion on the future of banking including optimizing structures, new strategies for business outcomes, and human resources in the digital era.
| Author | : Brett King |
| Publisher | : John Wiley & Sons |
| Total Pages | : 359 |
| Release | : 2018-12-17 |
| Genre | : Business & Economics |
| ISBN | : 1119506506 |
Download Bank 4.0 Book in PDF, ePub and Kindle
Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.
| Author | : Gregor Dorfleitner |
| Publisher | : Springer |
| Total Pages | : 130 |
| Release | : 2017-03-17 |
| Genre | : Business & Economics |
| ISBN | : 331954666X |
Download FinTech in Germany Book in PDF, ePub and Kindle
This book focuses on market developments of crowdfunding, crowdinvesting, crowdlending, social trading, robo-advice, personal financial management, online payment and mobile payment in Germany. FinTech companies are an important driver of innovation in the financial industry. By making financial transactions more user-friendly and transparent, these firms potentially contribute to financial stability and economic growth. The authors define and categorize the different market segments that have emerged. They further provide an assessment of current market volumes and make forecasts for the next 5, 10 and 20 years. Particular attention is given to the empirical findings resulting from scholarly research. Furthermore, the authors evaluate how the German FinTech market ranks relative to international standards. This book will appeal to finance and entrepreneurship researchers as well as practitioners from banking and tech industries. “This book offers a fresh and fascinating look at the FinTech market. The authors provide a rigorous economic analysis of the FinTech market in Germany and offer many insights that are of interest to practitioners, academics, and policymakers alike.” –Professor Douglas Cumming, Schulich School of Business “Germany is one of the fastest growing FinTech markets in Europe. This book not only provides a comprehensive and systematic overview on the developments and actors, but undertakes a visionary outlook on the forthcoming decades based on scientific methods.” –Dr. Thomas Puschmann, Head of Swiss FinTech Innovation Lab
| Author | : Luigi Wewege |
| Publisher | : Scribl |
| Total Pages | : 108 |
| Release | : 2017-02-14 |
| Genre | : Business & Economics |
| ISBN | : 1365685888 |
Download The Digital Banking Revolution Book in PDF, ePub and Kindle
Over the past decade financial service innovations have contributed to a completely new way in which customers can bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations. These new technological advancements have facilitated the rapid emergence of digital banking firms and FinTech companies, leading to established banks being forced to swiftly increase their pace of digital adoption to stay relevant and stop mass client attrition to these agile financial start-ups. These threats come at an inopportune time for banks due to mature markets currently experiencing stagnant growth. This coupled with decreasing profit margins due to the competitive pricing of new entrants, and financial customer loyalty becoming ever increasingly more tenuous.
| Author | : Luigi Wewege |
| Publisher | : Walter de Gruyter GmbH & Co KG |
| Total Pages | : 138 |
| Release | : 2019-12-02 |
| Genre | : Business & Economics |
| ISBN | : 1547401591 |
Download The Digital Banking Revolution Book in PDF, ePub and Kindle
Emergent innovative financial technologies are profoundly changing the way in which we spend, move and manage our money, unlike ever before, and traditional retail banks are facing stiff competition. The global financial crisis in 2007–2009 led to large losses, and even the collapse of a significant number of established banks shaking the trust of financial customers worldwide. The Digital Banking Revolution is an insightful look at how financial technology and the rapid rise of financial technology companies have brought welcome changes offering flexibility to the banking industry. The book offers a unique perspective on the consumerization of retail banking services. It delves into the many changes that financial innovations have brought about in banking, the main financial disruptors, the new era of "banking on the go," and financial innovations from countries around the world before concluding with a discussion on the future of banking including optimizing structures, new strategies for business outcomes, and human resources in the digital era.
| Author | : Moritz Jünger |
| Publisher | : |
| Total Pages | : 13 |
| Release | : 2019 |
| Genre | : |
| ISBN | : |
Download Banking Goes Digital Book in PDF, ePub and Kindle
Germany is falling behind its peers in adopting new digital technologies and financial services offered by non-bank high-tech startups (e.g., FinTech). Using survey data, we analyze which FinTech services households are likely to adopt. Our results indicate that a household's level of trust and comfort with new technologies, financial literacy, and overall transparency impact its propensity to switch to a FinTech. Specifically, households with low levels of trust, good financial education, and preference for transparency are characterized by a higher probability of adopting FinTech. In contrast, household price perceptions do not appear to significantly impact switching probability.
| Author | : Tolga Tavlas |
| Publisher | : Createspace Independent Publishing Platform |
| Total Pages | : 0 |
| Release | : 2015-06-06 |
| Genre | : Banks and banking |
| ISBN | : 9781514255711 |
Download Digital Banking Tips Book in PDF, ePub and Kindle
Developing a digital banking presence is a daunting task, especially when you consider the financial resources and education needed to achieve telephone, online, mobile, and other digital banking capabilities. Where to start? That's where this book comes in. It's a quick and easy read, the tips are simple to implement, and you may even find a little banking humor to help you through the process. There are other books written on this subject, but what is missing is an execution guide. We need a quick and dirty manual that tells us how to implement digital banking services. This is a short, to the point, and action-oriented (rather than theoretical) book. Innovation is certainly required, but it's not always about technology. Rather it is about using what you already have in different ways to create change. Not every bank or financial institution has huge resources, leadership that supports digital transformation, or fully engaged employees with a digital mindset. So the idea is to provide useful tips that you can execute easily in the current environment of your company - with or without significant investments. Even if your company has been offering digital banking services, this book can help you build out that part of your business further by assisting with areas such as: NEW USERS: How can you best encourage your existing customers to adopt online banking? INCREASED USAGE: How can you get your customers to take advantage of the full range of digital services you provide? IMPROVED SYSTEMS: Technology changes with remarkable speed, and users are always looking for ways to make their lives easier and their banking more secure. As the saying goes, "Life moves pretty fast ..." MULTI-CHANNEL BUSINESS NEEDS: How can you seamlessly incorporate your digital banking services with your business model? EMPLOYEE BUY-IN: How can you get your frontline staff to embrace systems they may view as replacing ... frontline staff? Understanding Your System: Most importantly, you need to feel comfortable with digital banking and have a strong sense of where the market is going, what's working, and what isn't. Digital banking is the future of financial institutions. This book will help you get there in simple, actionable steps. Whatever your position in your company, whether you're enthusiastic about sailing forward or still uncertain about stepping off the dock, let's take this journey together.
| Author | : Asli Demirguc-Kunt |
| Publisher | : World Bank Publications |
| Total Pages | : 148 |
| Release | : 2018-04-19 |
| Genre | : Business & Economics |
| ISBN | : 1464812683 |
Download The Global Findex Database 2017 Book in PDF, ePub and Kindle
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
| Author | : MissEstelle X Liu |
| Publisher | : International Monetary Fund |
| Total Pages | : 42 |
| Release | : 2021-02-19 |
| Genre | : Business & Economics |
| ISBN | : 1513570056 |
Download Stay Competitive in the Digital Age: The Future of Banks Book in PDF, ePub and Kindle
The latest advancement in financial technology has posed unprecedented challenges for incumbent banks. This paper analyzes the implications of these challenges on bank competitveness, and explores the factors that could support digital advancement in banks. The analysis shows that the traditionally leading role of banks in advancing financial technology has diminished in recent years, and suggests that onoing efforts to catch up to the digital frontier could lead to a more concentrated banking industry, as smaller and less tech-savvy banks struggle to survive. Cross-country evidence has suggested that banks in high-income economies appear to have been the digital leaders, likely benefiting from a sound digital infrastructure, a strong legal and business environment, and healthy competition. Nonetheless, some digital leaders may fall behind in the coming years in adopting newer technologies due to entrenched consumer behavior favoring older technologies, less active fintech and bigtech companies, and weak bank balance sheets.
