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Fintech će dovesti do nestanka stotina evropskih banaka

Jedna od deset banaka u Evropi će nestati u narednih 5 godina zbog banaka-izazivača i novih firmi zasnovanih na finansijskim tehnologijama – fintech. Konsultantska kuća AT Kearney predviđa stagnaciju prihoda kod tradicionalnih banki, dok će doći do rasta tržišnog udjela novih banaka-izazivača.

Studija je otkrila da su od 2011. godine nove banke koje nude isključivo digitalne servise i usluge, uvećale svoju bazu klijenata širom Evrope za 15 miliona ljudi, dok su tradicionalne banke izgubile oko dva miliona klijenata.

AT Kearney predviđa da će do 2023. godine, 85 miliona Evropljana koristiti digitalne banke. Ističu se Monzo, Atom, Revolut, Starling banka i Tandem, sa drugim fintech kompanijama koje rade na specifičnim finansijskim servisima.

1-BIC

Banke-izazivači su samo u Velikoj Britaniji već privukle milione klijenata. Mnogi od tih klijenata ih biraju kao sekundarne banke, koristeći prednosti najnovijih digitalnih plaćanja i aplikacija za upravljanje nalogom. Ali, u toku narednih par godina, ovo se može promeniti i dovesti do favorizovanja od strane klijenata, kada bi ove banke postale primarni izbor.

Simon Kent, partner i globalni direktor sektora finansijskih servisa u AT Kearney, rekao je da desetogodišnja studija pokazuje da iako je industrija jaka, istovremeno i stagnira.

„Neće sve banke preživeti plimu promena jer klijenti sve više favorizuju digitalizovane banke i inovativne proizvode i usluge“, dodao je Kent. Konstatovao je da iako će zatvaranje grana tradicionalnih banaka smanjiti troškove, to neće biti dovoljno za njihov opstanak ukoliko se strateški ne transformišu.

Prema studiji AT Kearney, Evropljani će sve više biti spremni da dele lične podatke sa bankama. To će povoljno uticati na razvoj otvorenog bankarstva, ali i ubrzati pad nekih banaka. „Prelazak na digitalno bankarstvo prouzrokovao je transformaciju u tome kako i gde klijenti žele da koriste bankarske usluge“, rekla je Daniela Chikova, partner u AT Kearney.

Fintech će moći da koristi regulative otvorenog bankarstva predstavljenih kroz direktivu Evropske unije PSD2 (unapređena verzija PSD, eng. Payment Service Directive) i regulaciju otvorenog bankarstva Velike Britanije, kako bi mogli klijentima da pruže najbolje finansijske servise za njih. Ovo će neminovno voditi ka smanjenju učešća klijenata u velikim tradicionalnim bankama, konkretno onima koje ne uspeju da održe korak sa promenama u industriji.

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