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BaaP (Banking as a Platform):API技術が金融機関に示す市場機会

Banking as a Platform: API Technology Presents Opportunity to Financial Institutions

発行 Mercator Advisory Group, Inc. 商品コード 542477
出版日 ページ情報 英文 18 Pages
納期: 即日から翌営業日
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BaaP (Banking as a Platform):API技術が金融機関に示す市場機会 Banking as a Platform: API Technology Presents Opportunity to Financial Institutions
出版日: 2017年08月16日 ページ情報: 英文 18 Pages
概要

当レポートでは、BaaP (Banking as a Platform) と呼ばれるプラットフォームアプローチの金融機関による利用について調査し、BaaPのアーキテクチャ、BaaPによって可能となるバンキングサービスのデリバリーモデル、サポート・特典面での金融機関による期待、法規制当局の役割と重要性、BaaPが金融機関とそのFinTechパートナーにもたらす潜在的市場機会の例などをまとめています。

本調査のハイライト

  • レビュー:BaaPの導入により金融機関に与えられるバンキングサービスのデリバリーモデル
  • BaaP戦略を導入している金融機関が利用可能な各種経路の検証
  • サポート・特典の面でのFIの期待:大規模FI・中規模FI・コミュニティFI別
  • バンキングプロセスのコンポーネント化:どのように個別化サービスを提供するか?
  • 法規制当局の役割と重要性・世界的な市場圧力
  • FIとそのフィンテックパートナーにBaaPがもたらす潜在的市場機会の例

調査対象企業

  • Citibank
  • D3 Banking
  • Envestnet | Yodlee FIS
  • Intuit Jack Henry
  • JPMorgan Chase
  • Personetics
  • Temenos
  • Wells Fargo
  • Xero
  • Zelle
目次

Adoption of banking as a platform frees financial institutions to individualize banking service delivery in concert with fintechs.

New Mercator Advisory Group research delves into the configuration change FIs will implement to better navigate a network-oriented financial service ecosystem.

Banking long entailed a visit to a solid, citadel-like building that served as a repository of assets and financial knowledge. But we've become accustomed to a more open design in branch offices. Form is following function. Banking is becoming a more open and fluid undertaking, and FIs are adopting variations of the "banking as a platform" (BaaP) strategy to position themselves for the rapid pace of change underway. BaaP represents a profound change in the speed of access to technology innovation in products, services, and interaction channels across the values stack. Modularity and standardization of service delivery component outputs empowers financial institutions to configure themselves and their solution sets to fit the individual needs of consumers, according to Mercator Advisory Group's latest research report, Banking as a Platform: API Technology Presents Opportunity to Financial Institutions .

This Mercator Advisory Group research report examines the use of the platform approach for financial institutions to achieve flexibility and agility in leveraging the expansive change being driven by technological innovation across industries. Banking as a platform enables FIs to better balance continued reliance and tried and true processing systems with nimble adoption of technologically enabled avenues of direct interaction with consumers.

"Financial institutions need to ensure they are more responsive to the variety of consumer needs and demands for service levels to sustain their role interacting directly with customers in the financial services ecosystem," commented author of the report Joseph Walent, Associate Director, Customer Interaction Advisory Service . "Standardization of products coupled with pervasive technologies have created an environment of interoperability promoting use of a variety of component financial services to render an individualized solutions. This model is not only possible but is increasingly the expectation of consumers having experienced personalization in other industries. Banking as a platform provides a path for FIs to adjust gradually to a collaborative economy and retain their primary position in their customers' financial lives."

This research report contains 18 pages and 4 exhibits.

Companies mentioned in this report include : Citibank, D3 Banking. Envestnet | Yodlee FIS, Intuit Jack Henry, JPMorgan Chase, Personetics, Temenos, Wells Fargo, Xero, and Zelle.

One of the exhibits included in this report:

image1

Highlights of the research note include:

  • Review of the banking service delivery models afforded to financial institutions employing banking as a platform, or BaaP
  • Examination of the paths available for financial institutions employing a BaaP strategy
  • What large, midsized, and community FIs may expect in terms of support and benefits
  • How componentization of banking process delivers individualized service
  • The role and impact of regulatory agencies and market pressures across global markets
  • A sample of potential opportunities that BaaP introduces for FIs and their fintech partners
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