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