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Bank of Americaのデジタル転換およびフィンテック戦略

Digital Transformation and Fintech Strategies of Bank of America

発行 Frost & Sullivan 商品コード 731223
出版日 ページ情報 英文 52 Pages
納期: 即日から翌営業日
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本日の銀行送金レート: 1USD=106.61円で換算しております。
Bank of Americaのデジタル転換およびフィンテック戦略 Digital Transformation and Fintech Strategies of Bank of America
出版日: 2018年10月12日 ページ情報: 英文 52 Pages
概要

技術進歩、顧客の期待の変化、および新興フィンテック企業は、金融サービス産業の環境を変化させています。

当レポートでは、世界の35ヶ国以上で展開する、Bank of America (BofA) のデジタル転換イニシアチブについて調査し、モバイルバンキングエクスペリエンスの大改革、組織構造、主要なデジタル企業と形成する相乗効果・エンゲージメント・提携・コラボレーション、および3つのベストプラクティスなどについて分析しています。

エグゼクティブサマリー

事業概要

  • 事業概要
  • 地域プレゼンス
  • 業績

フィンテックの戦略・イニシアチブ

  • フィンテックの戦略・イニシアチブ
  • 主な技術:ブロックチェーン
  • 主な技術:クラウド
  • 主な技術:ビッグデータ
  • 主な技術:人工知能
  • 主な技術:バイオメトリクス
  • サイバーセキュリティ
  • モバイルバンキング
  • Merrill Edge
  • デジタルペイメント
  • その他のデジタル製品
  • 支店の変化

フィンテックの相乗効果・コラボレーション

  • フィンテックの相乗効果・コラボレーション

Bank of Americaの弱点・課題

  • Bank of Americaが直面するビジネスの課題

結論

付録

Frost & Sullivan について

目次
Product Code: 9AC2/4C

Diving into Bank of America's Organization-wide Digital Transformation Strategies and Initiatives

This study covers the digital transformation initiatives of Bank of America Corp (BofA), which operates in more than 35 countries worldwide. It has a legacy dated back to 1904 and is now providing a full stack of retail and corporate financial services to consumers, small businesses, corporations, governments, and institutions.

Technology advancements, changing customer expectations, and emerging Fintech companies are changing the landscape of financial services industry. This digital disruption is forcing banks and other financial services companies to embrace digital evolution and start embarking on their digital transformation journey. Going digital is the only way forward to stay relevant and to prevent new entrants and startups from stealing their market shares. In this study, Frost & Sullivan presents an in-depth analysis into Bank of America's digital transformation agenda in maintaining its position as the digital banking leader.

Bank of America has taken positive steps to expand its digital offerings and capabilities so as to maintain its competitive edge over its traditional competitors such as Citigroup, JPMorgan Chase, and Wells Fargo as well as new non-depository competitors such as Amazon which has pivoted into the banking sector by offering products which are traditionally “financial” in nature.

Bank of America has put in place a firm-wide digital transformation strategy: the “High-Tech, High Touch” approach to drive better digital offerings, services, experiences and value for its customers. As part of its digital transformation blueprint, Bank of America had spent billions on cutting-edge innovations to uplift its technology play. It explores, identifies, evaluates, invests, develops and adopts disruptive technologies such as Blockchain, Big Data, Artificial Intelligence, Cloud and Biometrics. In addition to looking at what technologies Bank of America has adopted, we also have investigated on how it gains access to these technologies and how these technologies are incorporated and assimilated into Bank of America's networks, systems, and infrastructure.

We all know that innovation is not just the about adoption of new technologies. Therefore, we also looked into how Bank of America eliminates, reduces, transforms and simplifies its complex and expensive legacy infrastructures inherited from multiple mergers and acquisitions in a move toward a software-defined infrastructure. We also deep dived into the revolution of Bank of America's mobile banking experience, specifically into its multiple redesigns and revamps of mobile banking applications.

Furthermore, we have also looked at Bank of America's organizational structure in relation to digital transformation and how its “transformation unit” develops and executes digital transformation initiatives. We have also further explored the Fintech synergies, engagements, partnerships and collaborations formed by Bank of America with leading digital players.

Finally, we have selected the top 3 best practices that incumbents can learn from Bank of America's digital transformation journey. These recommendations are pinpointed and will get traditional market participants to start thinking about embracing the Fintech wave and help to defend their market from disruption.

We have added an executive summary that brings all of this together in a crisp form, to help busy executives get the gist of the study and then read only those sections in detail that matter to them.

Table of Contents

1. DIGITAL TRANSFORMATION AND FINTECH STRATEGIES OF BANK OF AMERICA

Executive Summary

  • Executive Summary
  • Executive Summary (continued)
  • Key Statistics

Business Overview

  • Business Overview
  • Business Overview (continued)
  • Geographical Presence
  • Business Performance

Fintech Strategies and Initiatives

  • Fintech Strategies and Initiatives
  • Fintech Strategies and Initiatives (continued)
  • Fintech Strategies and Initiatives (continued)
  • Top Technologies-Blockchain
  • Top Technologies-Cloud
  • Top Technologies-Big Data
  • Top Technologies-Artificial Intelligence
  • Top Technologies-Biometrics
  • Cybersecurity
  • Mobile Banking
  • Mobile Banking (continued)
  • Merrill Edge
  • Merrill Edge (continued)
  • Digital Payments
  • Other Digital Products
  • Branch Transformation
  • Branch Transformation (continued)

Fintech Synergies and Collaborations

  • Fintech Synergies and Collaborations
  • Fintech Synergies and Collaborations (continued)
  • Fintech Synergies and Collaborations (continued)
  • Fintech Synergies and Collaborations (continued)
  • Fintech Synergies and Collaborations (continued)
  • Investments in Fintech Companies

BofA's Pain Points and Challenges

  • Business Challenges Faced by BofA

Conclusion

  • Conclusion
  • Legal Disclaimer

Appendix

  • List of Exhibits

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