Como florescer num futuro incerto
As iniciativas regulatórias exigem que os bancos do Reino Unido "abram" dados de transações de clientes para terceiros - um desenvolvimento conhecido como "open banking". Este relatório da Deloitte UK examina como estas mudanças afetarão o modelo tradicional de negócios bancários de retalho e o que os bancos podem fazer para se adaptar a um futuro de "open banking".
We believe that the opening up of banking data via the open banking initiative will, in the longer term, lead to a UK retail banking future in which banking products, services and functions are opened up to third parties. In the ‘marketplace banking’ model that would result from this, customers will be able to use a single banking interface to access products and services from a multitude of players, including incumbent banks, challengers and FinTechs. Several financial services providers would continually compete to offer customers tailored, good-value products via the ‘marketplace banking’ interface.
Within ‘marketplace banking’, we believe banks have four broad, non-mutually exclusive, strategic options:
Open banking slideshare
Read and share the highlights from the report via our Open banking Slideshare presentation:
Regardless of which strategic options banks choose, they will need to align their leadership, culture and organisational structures to a more digital mind-set, and ensure that they are able to optimise their use of proprietary and external data.
To discuss the impacts of open banking upon your business, please contact one of our team below. You can also discover further analysis on open banking and the future of banking generally at Deloitte.co.uk/FutureBank and on social media by using #FutureBank.