Impact of digital transformation on Baking Operating Models


Impact of digital transformation on Banking Operating Models

‘Digital’ has been a common buzzword for several years now, but subject to a wide range of interpretations in terms of impact and debate regarding the ways of developing a so-called digital strategy in banks.

Executive Summary

While digital disruption has an increasing impact for all industries, digital native generations are set to invade the professional world, and thus add to the volume and variety of digital habits and behaviour. When combined with the booming use of internet and smartphones in emerging countries, there is a lever effect, which consequences are difficult to anticipate for traditional financial institutions who are not ready or agile enough to adapt.

“Up to half of the world's banks will disappear through the cracks opened up by digital disruption of the industry” forecasts BBVA Chairman and CEO Francisco Gonzalez. Banks now need to define which operating model to adopt in order to benefit from digital disruption and convert the potential threats into opportunities.

PDF - 801kb

Inside magazine issue 8, April 2015

Inside is Deloitte’s quarterly magazine offering an exclusive insight into best practices, trends and opportunities faced by our clients across all industries.

Inside focuses on the main hot topics relevant for the market (Asset management, Banking, Insurance, Public sector, Healthcare, Private equity, Real estate, TMT, Manufacturing and consumer business, Transport and logistics).

PDF - 10.7mb


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