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Author : Andrew McWilliams
Publisher : Unknown
Page : 223 pages
File Size : 54,9 Mb
Release : 2002
Category : Banks and banking
ISBN : 1569656495
Author : Luigi Wewege
Publisher : Scribl
Page : 108 pages
File Size : 42,6 Mb
Release : 2017-02-14
Category : Business & Economics
ISBN : 9781365685880
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 : John Garvey, PwC (US) Global Banking and Capital Markets Leader,Bob Sullivan, PwC (US) US Banking and Capital Markets Leader,Justo Alcocer, PwC (Spain) EMEA Banking and Capital Markets Leader,Antony Eldridge, PwC (Singapore) Asia-Pacific Banking and Capital Markets Leader
Publisher : PricewaterhouseCoopers LLP
Page : 44 pages
File Size : 40,9 Mb
Release : 2014-03-14
Category : Business & Economics
ISBN : 8210379456XXX
Powerful forces are reshaping the banking industry. Customer expectations, technological capabilities, regulatory requirements, demographics and economics are together creating an imperative to change. Banks need to get ahead of these challenges and retool to win in the next era. Banks must not only execute on today’s imperatives, but also radically innovate and transform themselves for the future.
Author : Oonagh McDonald,Kevin Keasey
Publisher : John Wiley & Sons
Page : 208 pages
File Size : 55,6 Mb
Release : 2003-03-28
Category : Business & Economics
ISBN : 9780470855744
Within Europe, the banking sector is commencing a period of considerable change and consolidation. Advances in technology, competition from the non-banking sector, the introduction of the Euro, a European Central bank and, possibly, pan-European Regulation, combined with the challenge from US banks, increased mergers and changing practices means 21st century banking is changing immeasurably. The Future of Retail Banking in Europe is written in an accessible style by Oonagh McDonald and Kevin Keasey, two of the leading authorities in the field and includes: In-depth analysis of the banking structures in all the major European markets. Foreword by Guy Warren, Head of Banking, Europe, Unisys Corporation Unique insights into the industry from the CEOs of major European banks. The challenges being faced in the industry and predictions into what the future holds for retail banking in Europe. This book will be essential reading for middle and senior managers in the banking and financial service sectors, both suppliers and investors in the banking sector, and MBA students.
Author : Hugh Croxford,Frank Abramson,Alex Jablonowski
Publisher : John Wiley & Sons
Page : 302 pages
File Size : 50,7 Mb
Release : 2005-08-05
Category : Business & Economics
ISBN : 9780470014813
"This new book on retail banking is both readable and innovative. Its analysis is unusually accessible in its style, and the book's conclusions and predictions will be rightly thought provoking. The customer is gaining real power and this new book's insights on the importance of leadership, the need to unleash creativity and to make a bank's IT and people resource work together more effectively for customer satisfaction are important pointers to the shape of future competitive differentiation." --Sir Mervyn Pedelty, Recently retired Chief Executive, The Co-operative Bank plc, smile, CIS and Co-operative Financial Services "A stimulating read. A readable and lively book that is always informative, sometimes controversial and invariably challenging. The authors don't expect readers to agree with it all, but the readers will undoubtedly gain some fresh insights and perspectives on the multiple issues facing management in a rapidly changing industry." --Chris Lendrum CBE, Recently retired Vice Chairman, Barclays Bank "This book is clear enough for the layman and thorough enough for any banker to obtain an excellent sense of the options for successful strategies for their retail businesses. The challenges of technology introduction, cost of production and scope of service are driving banks into responses increasingly similar to other industry sectors. These forces have been apparent for some years but are so evident now they can no longer be ignored. This book provides an excellent guide to mapping that future." --Joseph DeFeo, CEO, CLS Bank. "This is a useful guide to retail banking that provides a thought-provoking view on the state of The Art (of Better Retail Banking). Clearly retail banking can get better, and must! To steal an analogy from the conclusion, there is a sea change going on - consumers are looking more and more for greater simplicity and value, and so many banks are still making such heavy weather of it. This book does a good job of charting the current developments." -- Lindsay Sinclair, CEO, ING Direct UK. "A whistle-stop tour of all aspects of retail banking. This is a very readable and insightful real world mix of theory, strategy, tactics and practice. They have even managed to make banking sound exciting. But mostly they have been able to cut through the complexity to remind us all that success in retail banking is not just about finance and efficiency - it is about customers and staff, who are all too often forgotten about." --Craig Shannon, Executive Director - Marketing, Co-operative Financial Services. "The authors live up to their promise of providing managers and students with a clear exposition of the retail banking sector and how banks can confront the challenging future they face. This book is a practical manual with lots of useful advice. I was looking for new insights in this book - and I found them!" --Professor Adrian Payne, Professor of Services Marketing, Director, Centre for Services Management, Cranfield School of Management. "A key determinant of any organisation's success will be an enhanced understanding of 'value' as defined by customers, employees, shareholders and other stakeholders. Value can mean different things to these different groups, and this book has set itself the objective of identifying the approaches that will improve the value proposition for all of these interested parties. It achieves this objective." --Professor Steve Worthington, Faculty of Business and Economics, Monash University. "An enjoyable and useful read. It provides a good perspective on the role of IT and how IT suppliers and professionals need to contribute to future developments in retail banking strategy and implementation. It helps provide guidance for the significant challenges ahead for both suppl
Author : J. DiVanna
Publisher : Springer
Page : 178 pages
File Size : 45,9 Mb
Release : 2003-11-06
Category : Business & Economics
ISBN : 9780230509566
This book arises from an event on the future of banking which included leading figures in the industry. It addresses current trends influencing competition including globalization, market structure, technology and demographics and how these will impact upon companies and their organization, business opportunities, revenue streams, branding and customer behaviour. It will also show banks how to develop strategic initiatives for future competition. This will represent essential thinking for the banking and financial services industry.
Author : Corporation Essvale
Publisher : Essvale Corporation Limited
Page : 209 pages
File Size : 43,7 Mb
Release : 2011
Category : Business & Economics
ISBN : 9781906096137
Deals with the convergence of business and IT in the retail banking industry. This work aims to introduce the concepts of retail banking from a global perspective. This book covers topics including: an overview of the major retail banking products; payments and lending practices in different continents; and, IT projects in retail banking.
Author : Bernardo Batiz-Lazo,J. Carles Maixé-Altés,Paul Thomes
Publisher : Routledge
Page : 336 pages
File Size : 44,7 Mb
Release : 2010-11-23
Category : Business & Economics
ISBN : 9781136884528
This edited volume offers a new and original approach to the study of technological change in retail finance. Documenting developments in the US alongside case studies from Mexico and Europe, Technological Innovation in Retail Finance addresses the variety of financial institutions that populated the markets for retail finance. It offers a massive research base reflecting not only breadth of contributor interests, but also a unity of purpose that comes from several workshops and comments on each other's work. Technological innovation had a major role in the shaping and developing of administrative procedures, routines, and capabilities in organizations offering retail financial services. Indeed, with the exception of contemporary case studies for the UK, the current ‘state of the art’ in the study of the computerization of financial services from an historical perspective is overwhelmingly focused on developments in the USA. This volume overcomes the usual bias towards the so called ‘Atlantic continuity’ in the understanding of technological change related to applications of information and telecommunication technologies (ICT) by offering a number of sources of distinctiveness. It shows when and how technological change altered the competitive intensity in the markets for retail finance.
Author : Aijaz A. Shaikh,Heikki Karjaluoto
Publisher : Routledge
Page : 286 pages
File Size : 49,9 Mb
Release : 2018-12-21
Category : Business & Economics
ISBN : 9781351174442
Mobile financial services (MFS) are of major interest and importance to both researchers and practitioners. The role played by nonbanking actors including telecoms and FinTech firms as well as other participants, such as PayPal and Amazon, in developing and deploying innovative financial and payment services is undeniable. Peer2peer (P2P) payments from nonbank services are becoming increasingly commonplace and will shortly be codified by EC (EU?) regulations requiring banks to provide access to consumer data for third-party app developers and service providers. Three major mobile financial systems—mobile banking, mobile payments, and branchless banking—currently dominate the electronic retail banking sector. Although interconnected and interrelated, their business models, regulatory frameworks, and target markets are distinct. This book provides a unified perspective on MFS and discusses its evolution, growth, and future, as well as identifying the frameworks, stakeholders, and technologies used in financial information systems in general and MFS in particular. Academics and researchers in digital and financial marketing will find this book an invaluable resource, as will bank executives, regulators, policy makers, FinTech professionals, and anyone interested in how mobile technology, social media and financial services will increasingly intersect.
Author : A. Omarini
Publisher : Springer
Page : 297 pages
File Size : 44,8 Mb
Release : 2016-01-12
Category : Technology & Engineering
ISBN : 9781137392558
The world of retail banking is changing. While previously a purely money-making entity, the industry has brought social responsibility onto its agenda, and the ground rules for success have altered. Traditional convictions, rules and values that have influenced all banking business in the past are brought into question by this shift, and banks are adopting bold strategies in order to win out over competitors. Taking both multidisciplinary and holistic approaches, Retail Banking is a comprehensive analysis of how traditional retail banks can meet the challenges of the emerging competitive landscape. It outlines the importance of considering the traditional fundamentals of banking and fitting them into the modern times, where technology is pervasive and developments in the macro and micro scenarios have changed the landscape of the industry. It highlights that modern retail banking is a conscious step away from the past, and suggests that for banks to succeed in this field, they must step away from ad-hoc initiatives and instead encourage loyalty and a life-long confidence in each of their customers. This book will be of interest to those with in interest in retail banking, bank management, business models and strategies and financial services.
Author : Luigi Wewege,Michael C. Thomsett
Publisher : Walter de Gruyter GmbH & Co KG
Page : 138 pages
File Size : 55,5 Mb
Release : 2019-12-02
Category : Business & Economics
ISBN : 9781547401598
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 : Frederic Tronnier
Publisher : GRIN Verlag
Page : 54 pages
File Size : 52,9 Mb
Release : 2016-06-24
Category : Business & Economics
ISBN : 9783668245778
Bachelor Thesis from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, University of Frankfurt (Main) (Fachbereich für Wirtschaftsinformatik), language: English, abstract: The thesis focuses on how Fintechs are disrupting the financial retail banking industry and how banks react to these changes. In this context, challenges and opportunities of their actions will be analyzed and discussed. Furthermore, it will be derived how aspects of innovation influence the Fintechs success in this process and how innovation takes place in the financial industry in general. Finally, this thesis discusses the implications of the current situation for both Fintechs and banks, and identifies potential outcomes and consequences for all involved parties. Since the beginning of the 21st century and the spread of the internet whole industries have been transformed or became obsolete. Disruption in the form of digitalization has taken place in the music, book, media and movie industry. Online and mobile services, offered by start-ups and technology companies are changing one industry at a time. Retail-focused companies like Apple, Netflix, Google, Amazon and Twitter have changed the way people think and use music, films, books and media. They also changed the consumers’ general perception of good service, usability and of how companies are doing business. Despite all these improvements in our everyday life, the financial retail banking industry has remained relatively constant, even though it caused people to adapt to new circumstances, in the form of the Global Financial Crisis (GFC), resulting in a Global Recession and higher regulations for the industry. Since then, the industry missed the opportunity to regain the customers’ trust by changing their habits and improving their services. Instead, customers are increasingly unlikely to buy products or refer their bank but are increasingly prepared to leave their bank within the next six months. This state of stagnancy inside the financial retail banking industry seems to have changed. New entrants have caused uproar in the industry. Fintechs, an acronym for financial technology, are entering the retail market, forcing banks to adapt and innovate. Online and mobile banking services are now considered to be the future of financial retail banking. Fintechs threaten to take away customers by offering better and cheaper services with higher usability. As both the number of Fintechs and their customers increase, banks realize that Fintechs are going to be a threat for them.
Author : Suresh Samudrala
Publisher : Jaico Publishing House
Page : 184 pages
File Size : 43,7 Mb
Release : 2015-01-30
Category : Business & Economics
ISBN : 9788184956825
Banking and financial services organizations are one of the largest consumers of information technology, deploying large IT workforce worldwide. Banks have a complex landscape of technology and applications catering to their diverse information needs. It is important for the people working in banks and associated with technology field to have an optimum understanding of the overall IT landscape. This will help them appreciate the scope of their work in the overall context, as well as understand the criticality of various system interfaces. This book provides an overview of the complex banking technology landscape in a simple and easy-to-understand format. KEY FEATURES — Technology landscape is explained in a simple and generic way so that readers may relate it to their diverse information needs — Several technology concepts like Service Oriented Architecture (SOA), Master Data Management (MDM), Customer Relationship Management (CRM), Business Process Management (BPM), Web Content Management Systems (WCM), Document Management Systems (DMS) etc. have been explained with simple examples in the context of banking systems — Information presented is more for education and knowledge purposes instead of recommending any target architecture or product SURESH SAMUDRALA has been working in the IT industry for the last 20 years after completing his Post Graduation in Computer Science from IIT Madras. He has worked for various banking and financial institutions across the globe. His professional areas of interest include delivery management, enterprise architecture and innovation.
Author : Michael Violano,Shimon-Craig Van Collie
Publisher : John Wiley & Sons
Page : 238 pages
File Size : 40,6 Mb
Release : 1992-11-11
Category : Business & Economics
ISBN : 047153174X
Reveals the tools, tactics and strategies that financial industry executives can use to realign and revitalize their retail banking organizations. The primary focus is on the needs and expectations of customers. Explores not only breakthrough technologies but innovative uses of conventional technology and refreshed or enhanced systems to add value to any retail banking operation. Contains practical advice, suggestions, and insights offered by scores of bankers. Topics include information and integration; teller system and service imperatives; platform automation; electronic banking; innovative products and packages; marketing information systems; sales and staff performance; branch bank merchandising and more.
Author : Brett King
Publisher : Marshall Cavendish International Asia Pte Ltd
Page : 400 pages
File Size : 40,5 Mb
Release : 2010-06-05
Category : Business & Economics
ISBN : 9789814312660
BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet—all within the next 10 years.