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市場調査レポート

融資のデジタル化

Insight Report: Digitization in Lending

発行 Timetric 商品コード 344947
出版日 ページ情報 英文 45 Pages
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融資のデジタル化 Insight Report: Digitization in Lending
出版日: 2015年11月10日 ページ情報: 英文 45 Pages
概要

顧客によるデジタルチャネルの大幅導入に伴って、金融機関は、いつでもどこでも便利にバンキングを、顧客に対して提供できるようになりました。

当レポートでは、デジタル化による融資業の情勢の変化について取り上げ、金融機関によるデジタル化の促進要因、新興の金融サービス会社の影響、デジタル化による融資プロセスの転換、融資プロセスのデジタル化における課題と機会、産業を形成する今後5年間の動向について検証して、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 融資のデジタル化を促進する要因とは

  • カスタマーエクスペリエンスを強化する必要性
  • 運用効率の追求
  • 競合情勢の変化の影響

第3章 リテールバンクにおける融資のデジタル転換

  • フロントエンドのデジタル化
  • バックエンドのデジタル化

第4章 融資のデジタル化の課題

第5章 ケーススタディ

  • 米国の銀行:融資業務のペーパーレスで効率向上
  • First Internet Bank:融資のデジタルプラットフォーム
  • Bank Dhofar:融資組成の自動化で効率向上
  • Zopa:P2P融資のパイオニア
  • HDFC Bank:個人ローン商品のデジタル化

第6章 デジタル融資の将来

第7章 付録

図表

目次
Product Code: VR1159MR

Timetric's 'Insight Report: Digitization in Lending' analyzes the effect of digitization, emerging trends and competitive landscape of the lending industry. The report also discusses in detail the drivers of digitization for financial institutions and how they are using it for improving operational efficiency and customer experience.

With significant adoption of digital channels by customers, financial institutions are compelled to provide the convenience of anywhere, anytime banking to customers. Although digitization has transformed the transactional banking process, it has not been fully adopted in lending process.

Many online lending companies and non-bank lenders have emerged to capitalize on the inefficient lending process of banks. The growth of these companies also demonstrates that customers are looking for more convenience, which digitization can provide. The significant rise of non-bank lenders has led banks to invest more in digital technology, and form partnerships with them to remain leading operators in the lending market.

Summary

Timetric's 'Insight Report: Digitization in Lending' explores the changing landscape of lending industry due to digitization.

It also:

  • Analyzes the drivers of digitization for financial institutions
  • Analyzes the impact of emerging digitally advanced lending financial service providers
  • Discusses the transformation of lending process through digitization
  • Explores challenges and opportunities involved in digitizing the lending process
  • Examines the trends that will shape the industry in the next five years

Scope

This report:

  • Provides comparative analysis of the various business models in the lending industry
  • Analyzes the key trends, drivers and impacts of digitization on lending
  • Covers key initiatives by financial institutions in digitizing the lending process
  • Provides case studies of financial institutions which have implemented pioneering technologies to improve their lending business
  • Explores challenges in implementing digitization in the lending process
  • Provides an outlook for financial institutions to utilize digital channels to enhance productivity, efficiency and the customer experience

Reasons To Buy

  • Understand the effect of digitization on the lending industry.
  • Analyze changing dynamics in the lending industry, and gain insights into key technology, competitors and strategies.
  • Understand competitive threats from new market entrants and emerging opportunities.
  • Gain insights into key initiatives by financial institutions to digitize the lending process.
  • Learn how organizations will be affected by the changing industry dynamics.

Table of Contents

1. Executive Summary

2. What is Driving Digitization in Lending?

  • 2.1. Growing Need for Enhanced Customer Experience
  • 2.2. The Quest for Operational Efficiency
  • 2.3. Impact of Changing Competitive Landscape
    • 2.3.1. Strategic initiatives by non-banks to gain traction
    • 2.3.2. Banks' answers to the impending challenge

3. Digital Transformation of Lending in Retail Banks

  • 3.1. Front-End Digitization
    • 3.1.1. Digitized loan application process
    • 3.1.2. Loan servicing
  • 3.2. Back-End Digitization
    • 3.2.1. Application processing and verification
    • 3.2.2. Automated underwriting and credit scoring
    • 3.2.3. Loan closure and disbursal

4. Challenges in Digitization of Lending

5. Case Studies

  • 5.1. Enhanced Efficiency with Paperless Loan Processing by US Bank
  • 5.2. First Internet Bank - the Digital Platform of Lending
  • 5.3. Bank Dhofar - Automation of Loan Origination Improved Efficiency
  • 5.4. Zopa - a Pioneer in Peer to Peer Lending
  • 5.5. HDFC Bank - Banking on Digitized Personal Loan Product

6. The Way Forward for Digitized Lending

7. Appendix

  • 7.1. Methodology
  • 7.2. Definitions
  • 7.3. References
  • 7.4. Contact Timetric
  • 7.5. About Timetric
  • 7.6. Timetric's Services
  • 7.7. Disclaimer

List of Tables

  • Table 1: Comparative Analysis of Competitors
  • Table 2: Business Proposition of P2P Lending Companies
  • Table 3: Business Propositions of Non-Bank Financial Service Providers
  • Table 4: Initiatives of Digital-Only Banks
  • Table 5: Banks' Responses to the Changing Competitive Environment
  • Table 6: Front-End Digitization Initiatives in Lending
  • Table 7: Back-End Digitization Initiatives in Lending by Banks
  • Table 8: Impact on Lending of Changing Regulations
  • Table 9: Definitions

List of Figures

  • Figure 1: Drivers of Digitization for Financial Service Providers, 2014
  • Figure 2: Regional Analysis of Top Three Drivers for Digitization, 2014
  • Figure 3: Drivers of Digitization Based on Size of Companies, 2014
  • Figure 4: Increased Productivity Due to Banking Process Automation, 2013
  • Figure 5: Customer's Preferred Channels for Banking in the US
  • Figure 6: Average Transaction Costs of Various Delivery Channels in the US, 2012
  • Figure 7: Customer Confidence in Transaction through Different Organizations, 2014
  • Figure 8: Rise of P2P Lending in the US and the UK (US$ Million), 2012-2014
  • Figure 9: Non-Bank Lending by Country, 2013
  • Figure 10: Increasing Shares of Non-Banks in FHA Mortgage Lending in the US
  • Figure 11: Strategies of Non-Bank Lenders
  • Figure 12: Evolution of Digital Lending in Banks
  • Figure 13: How Banks are Digitizing their Processes, 2014
  • Figure 14: Front-End Digitization Initiatives by Financial Service Providers
  • Figure 15: Increasing Preference for Digital Channels by US Customers, 2014
  • Figure 16: Back-End Digitization Initiatives by Banks
  • Figure 17: Preferred Back-End Process Automation by Financial Solution Providers
  • Figure 18: Benefits of Incorporating Social Media Analytics in Underwriting
  • Figure 19: Issues in Digitization of Banking Processes, 2014
  • Figure 20: Regional Analysis of Key Challenges to Digitization, 2014
  • Figure 21: Fund Allocation for Digitization Across the World by 2016
  • Figure 22: Share of Digitization in the Overall Investment Budget by 2016
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