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デジタル専用銀行:脅威かモチベーターか?

Digital-Only Banks: Threat or Motivator?

発行 GlobalData 商品コード 783297
出版日 ページ情報 英文 25 Pages
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本日の銀行送金レート: 1USD=111.17円で換算しております。
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デジタル専用銀行:脅威かモチベーターか? Digital-Only Banks: Threat or Motivator?
出版日: 2018年12月17日 ページ情報: 英文 25 Pages
概要

デジタル専用銀行には、かなりの競争優位性があります。顧客とプロバイダーに対するデジタルバンキングのメリットは、戦略の方向性をデジタル化できることです。

当レポートでは、デジタル専用銀行について調査分析し、そのメリットとリスクについて、体系的な情報を提供しています。

第1章 エグゼクティブサマリー

第2章 現状

  • デジタル専用に対する需要
  • デジタル専用銀行の認識と脅威の現実

第3章 銀行は何をするべきか?

  • 機能性のギャップを減らす

第4章 結論

第5章 付録

図表

List of Tables

  • Table 1: Summary of digital-only banks across markets

List of Figures

  • Figure 1: Percentage of consumers globally willing to use a digital-only bank as their primary banking relationship
  • Figure 2: Percentage of consumers willing to use a digital-only bank across different geographies
  • Figure 3: Percentage of consumers willing to use a digital-only bank across generational and affluence customer segments
  • Figure 4: Percentage of consumers who prefer to use digital channels for main banking activities
  • Figure 5: Profiles of customer most at risk from digital-only providers: generation
  • Figure 6: Profiles of customer most at risk from digital-only providers: affluence
  • Figure 7: Attitudes towards digital-only banks by vulnerable customer segments
  • Figure 8: Reasons given for switching by customer segments most at risk from digital-only providers
  • Figure 9: Level of demand for individual mobile banking features
  • Figure 10: Level of demand for individual personal financial management tools
目次
Product Code: FS0171IA

The emergence of digital-only banks has jolted incumbents into varying degrees of panic. On paper, their business model seems enviable. Operating costs are low, unburdened by old legacy IT systems and costly branch networks. Consequently, superior operating efficiency enables competitive pricing. In addition, newer technology infrastructure allows for a more sophisticated and capable digital banking experience for customers. Faced with this new challenge, it is important for incumbent banks not to forget what their customers actually want.

While digital-only banks do possess significant competitive advantages, recent launches have demonstrated they also face difficult challenges that technology or price can't solve. The benefits of digital banking to the customer and provider make the broad direction of strategy fairly simple: digitize.

The key question for banks is, to what extent? Do digital-only banks pose such a threat to valuable customer bases that wholehearted emulation is required? Or would digitizing selected parts of bank propositions be sufficient to mitigate the threat?

The report "Digital-Only Banks: Threat or Motivator?", aims to assess the risk posed by digital-only banks, identify vulnerable customer segments, and highlight actions that incumbents could make to improve their retention prospects.

Key Highlights

  • One in three consumers globally indicate a willingness to transfer their primary banking relationship to a digital-only provider.
  • Consumers in India, Singapore, and Scandinavia are the most receptive to using a digital-only bank as their main current/checking account.

Scope

This report assess the threat posed by digital-only banks and highlights changes incumbents could make to their digital banking platforms to mitigate the risk by -

  • Analyzing the unique environments shaping demand across a range of different markets.
  • Identifying customer segments most at risk within affluence and generational bandings.
  • Highlighting the PFM tools and mobile banking features that are most in-demand.

Reasons to buy

  • Build a more targeted retention strategy
  • Make more informed decisions about investments in PFM tools
  • Determine which mobile banking features to implement first.

Table of Contents

1. EXECUTIVE SUMMARY

  • 1.1. Market summary
  • 1.2. Key findings
  • 1.3. Critical success factors

2. THE CURRENT LANDSCAPE FACING INCUMBENTS

  • 2.1. Demand for digital-only
    • 2.1.1. Incumbents in India and the Nordic markets are most at risk from digital-only challengers
    • 2.1.2. Digitally savvy millennials, generation X, emerging, and mass affluent customers are most at risk
    • 2.1.3. The customer segments most at risk are the most valuable
  • 2.2. The perception of digital-only banks and the reality of the threat
    • 2.2.1. At-risk customer segments believe digital-only banks offer better rates and digital banking functionality
    • 2.2.2. At-risk customer segments cite innovation and poor digital banking functionality as reasons for switching provider

3. WHAT SHOULD BANKS DO?

  • 3.1. Reduce the functionality gap
    • 3.1.1 Mobile banking features that remove pain points in customer journeys are most in-demand
    • 3.1.2 Examples of new mobile banking features
    • 3.1.3 Offer PFM tools that provide financial clarity and help customers achieve their goals

4. CONCLUSION

5. APPENDIX

  • 5.1. Definitions
  • 5.2. Methodology
  • 5.3. Bibliography
  • 5.4. Further reading
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