Slider

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.

Izvor: Bankar.rs

NASLOVNA

O NAMA

AKTIVNOSTI

BUSINESS NEWS

PARTNERI I PRIJATELJI

GALERIJA

  • Mihajla Pupina 100, 11000 Beograd
  • office@bci.rs; prijava@bci.rs
  • 011/ 123-45-67; 064/123-4567

51 thoughts on “Fintech će dovesti do nestanka stotina evropskih banaka

  1. Thanks a bunch for sharing this with all of us you actually
    recognise what you’re speaking about! Bookmarked. Kindly also consult with my site =).
    We can have a link change agreement between us

  2. Thanks for the auspicious writeup. It actually used to be a enjoyment account it.

    Look complex to far introduced agreeable from you! By the way, how can we keep
    up a correspondence?

  3. Hi, Neat post. There is a problem together with your site
    in web explorer, may check this? IE nonetheless is the marketplace leader and a good section of
    other folks will leave out your great writing due to this problem.

  4. I am regular visitor, how are you everybody? This article posted at this web page is really
    good. ps4 games allenferguson ps4 games

  5. Unquestionably believe that which you stated. Your favorite
    justification appeared to be on the net the easiest thing to be aware of.
    I say to you, I definitely get irked while people consider worries that they
    plainly do not know about. You managed to hit the nail upon the top and defined out the whole thing without having side effect ,
    people could take a signal. Will likely be back to get more.
    Thanks games ps4 185413490784 games ps4

  6. Helpful info. Fortunate me I discovered your website
    by accident, and I am shocked why this accident did not
    happened earlier! I bookmarked it.

  7. I just could not go away your web site prior to suggesting that I really
    enjoyed the usual information a person provide for your guests?

    Is going to be back frequently to inspect new posts

  8. Hi, I do think this is an excellent web site. I stumbledupon it 😉 I may come back yet again since i
    have book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.

  9. Good day very nice site!! Guy .. Excellent .. Wonderful ..
    I will bookmark your web site and take the feeds additionally?

    I’m satisfied to find numerous useful info right here within the publish,
    we need develop more strategies in this regard, thank you for sharing.
    . . . . .

  10. You really make it seem really easy with your presentation but I to find this matter to be really something that I
    feel I would by no means understand. It kind of feels too complicated and extremely large for me.

    I am taking a look forward in your subsequent post, I’ll attempt to get the dangle of it!

  11. You really make it seem really easy together with your presentation however I
    find this matter to be actually something which I believe I would never understand.
    It sort of feels too complicated and extremely vast for me.
    I am looking ahead on your subsequent post, I will try to get the dangle of it!
    asmr 0mniartist

  12. Hello my family member! I wish to say that this article is amazing, nice written and include approximately all
    vital infos. I would like to see extra posts like this .
    0mniartist asmr

  13. Hi! I could have sworn I’ve been to this site before but after going through a few of the
    articles I realized it’s new to me. Anyhow,
    I’m certainly happy I stumbled upon it and I’ll be book-marking it and
    checking back often!

  14. Do you have a spam issue on this website; I also am a blogger, and
    I was wondering your situation; many of us have created some nice procedures and we are looking
    to trade methods with others, why not shoot me an e-mail if interested.

  15. I every time used to read article in news papers but now as I am a user of internet therefore from now I am using net
    for articles or reviews, thanks to web.

  16. Awesome things here. I’m very satisfied to peer your post.
    Thank you a lot and I am taking a look forward to
    contact you. Will you please drop me a mail?

  17. A person necessarily lend a hand to make significantly articles I’d state.
    This is the very first time I frequented your
    website page and thus far? I amazed with the research you made to create this particular
    post extraordinary. Wonderful process!

  18. What i don’t realize is actually how you are now not actually a
    lot more neatly-appreciated than you may be now. You’re very
    intelligent. You recognize thus considerably relating to this topic, made me in my opinion consider it from so
    many various angles. Its like women and men aren’t interested until it’s one thing to do with Lady gaga!

    Your individual stuffs great. Always deal with it up!

  19. scoliosis
    I like the valuable info you provide in your articles.
    I will bookmark your weblog and check again here regularly.
    I’m quite certain I’ll learn lots of new stuff right here!

    Best of luck for the next! scoliosis

  20. scoliosis
    Thank you for the auspicious writeup. It in fact
    was a amusement account it. Look advanced to far added agreeable from you!
    By the way, how could we communicate? scoliosis

  21. I do consider all the concepts you’ve offered for your post.

    They’re very convincing and can definitely work.
    Nonetheless, the posts are too short for beginners.
    May you please lengthen them a little from next time?
    Thank you for the post.

  22. Hi there, this weekend is good in favor of me, as this time i am reading this fantastic
    educational paragraph here at my house.

  23. 3. Finally, select “Updates” — under this, you’ll see if there are any updates available. If “Among Us” is in this list, select it to download the update. You can easily download and install Among Us on your PC for completely free. Just follow these steps- Among Us is an Action, Adventure, and Casual game for PC published by Innersloth in 2018. Play this game, and you will not have any friends anymore! If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. These cookies collect information about your activities on our sites as well as other sites to provide you targeted advertising. We may also allow our third-party service providers to use cookies on the sites for the same purposes identified above, including collecting information about your online activities over time and across different websites. The third-party service providers that generate these cookies, such as, social media platforms, have their own privacy policies, and may use their cookies to target advertisement to you on other websites, based on your visit to our sites. http://goodpeoplecoin.com/forums/user/q4hhuhf757/ It’s an MMORPG that every fan of the genre should try at least once to see if it’s something they are interested in. One of the most interesting features in the game compared to other MMORPGs is that one character can be any class in the game. This is a really unique change in the genre as most games require the player to have multiple characters to try out different classes. If you want to apply for Riot’s new MMO team, go here. According to Ghostwalker, the project is still early in development so the first wave of hires will be industry veterans based in the United States. While I think we’re going to do a list solely devoted to mobile MMOs very soon, I couldn’t in good conscience leave EVE Echoes off this particular list. By all accounts, this EVE Online mobile edition is its own addictive and accessible MMORPG and worthy of your time. Our own Brendan said that it boasts “a lot of potential as a serious mobile game.” This game is currently in open beta. Okay, so this one isn’t technically an MMO, but it’s got enough MMO clothes that it fits quite nicely here. Diablo is all about tromping through dungeons, murdering everything that moves and upgrading your equipment. Get some friends involved and you’re not that far away from what makes the MMO tick. This one looks amazing, and we’re really excited to get our hands on it despite the backlash surrounding its announcement.

  24. Hi there very cool web site!! Guy .. Beautiful ..
    Superb .. I’ll bookmark your blog and take the
    feeds additionally? I’m satisfied to search out numerous useful info right here within the post, we’d like work
    out more strategies on this regard, thanks for sharing.
    . . . . .

  25. Некоторые китайские шарики рекламируют особенно активно. Они присутствуют в продаже на большинстве специализированных ресурсов (в аптеках не продаются). Перечень таких препаратов с описанием состава и ценами приведен в таблице 1. Товар отправится из Вьетнама Препарат Илишен изготавливается в белой оболочке. Его основной ингредиент – вытяжка из черных муравьев, которые обитают на африканском континенте. Органическая составляющая снимает усталость, восполняет мужские силы и способствует повышению степени эрекции. После одного курса приема восстанавливается желание, увеличивается длительность полового акта. https://eatright.ng/community/profile/brandygroom528/ Способствует предупреждению импотенции и восстановлению способности поддерживать эрекцию. ПАНТОВЫЕ ОРЕШКИ – натуральный продукт на основе природных веществ. В состав средства входят панты алтайского марала, женьшень, красный корень, семена лимонника, кедровый орех. Пантомакс восстанавливает эрекцию, нормализует гормональный фон, устраняет воспалительные процессы предстательной железы. Препарат быстро проникает в кровь и начинает действовать уже через 30 минут Средство для повышения потенции Эроксим Экстра на рынке стимулирующих препаратов является практически новинкой. Благодаря компонентам, входящим в состав лекарства, мужской организм получает все необходимые элементы, необходимые для улучшения кровоснабжения кавернозных тел полового члена.

Leave a Reply

Your email address will not be published.

Scroll to top