罗兰贝格：第三次欧洲零售银行业调查(英文 28 页)

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数字化竞赛：金融服务提供商能否加快步伐？ 第三次欧洲零售银行业调查 - 调查结果和建议

The digitalization race: Can financial service providers  hack the pace? Third European Retail Banking Survey –  Findings and recommendations 

Contents

1. Five key findings of the third European Retail Banking Survey 

Digital maturity in banking is increasing

But the industry is still far from catching up with the digital frontrunners ......5

The customer interface is getting crowded

And there is not enough room for all banks to capture the interface ......8

The FinTech hype is over

A pragmatic relationship has emerged between banks and FinTechs ...... 11

Banks must free themselves of legacy structures

Only then will disruptive innovations become possible ...... 14

There is no one-size-fits-all answer to digital transformation

Banks need to apply different implementation models simultaneously ......17

2. Two recommendations

Clear strategic positioning

Banks can be either relationship expert, product expert or technology provider ......21

Flexible implementation approach

Different models need to be applied in parallel .......23

Management summary

This latest European Retail Banking Survey builds on the work of the previous editions, conducted in 2013 and 2015. At the heart of the third edition stands the question of retail banks' digital maturity, their digital priorities and the approaches they are taking to imple-ment them. Our key question to executives and decision makers was: Can financial service providers keep up with the pace of digitalization?

The 60 respondents who took part in our online ques-tionnaire come from ten countries, work across all areas of the retail banking sector and represent banks of all different sizes.

We have summarized the study's most important find-ings in five key statements. Among the insights we pres-ent is the fact that retail banks are not keeping up with the pace of digitalization when it comes to adapting dis-ruptive technologies and grasping new business models. They are indeed working on digitalizing their existing business models, but they are not moving fast enough. In fact, they are still a long way off bringing in any "real" innovations. As such, banks are unintentionally leaving it to other players, especially the tech giants and Fin-Techs, to shape the future of retail banking. 

Our survey findings can help retail banking decision makers better analyze and assess their digital maturity against the status quo in the industry and among their banking peers and draw the right conclusions for their future business.

We have formulated two recommendations for banks to help them not fall further behind in the digitalization race and to enable them to catch up as soon as possible. Crucial steps in the successful digital transformation of retail banks will be for them to adopt a targeted strate-gic positioning and to apply the right implementation models that enable disruptive innovation. 

摘要

这是以2013年和2015年的先前版本的工作为基础最新的欧洲零售银行业调查。第三版的核心是零售银行数字成熟度，数字优先级及其实施方法的问题。他们。我们对高管和决策者的关键问题是：金融服务提供商能否跟上数字化的步伐？

参加我们在线问卷调查的60名受访者来自10个国家，在零售银行业的所有领域开展工作，代表各种规模的银行。

我们在五个主要陈述中总结了该研究最重要的发现。我们当前的见解之一是零售银行在适应破坏性技术和掌握新业务模式方面没有跟上数字化的步伐。他们确实在努力将现有的商业模式数字化，但他们的行动速度还不够快。事实上，他们距离引入任何“真正的”创新还有很长的路要走。因此，银行无意中将其留给其他参与者，特别是科技巨头和金融科技公司，以塑造零售银行业的未来。

我们的调查结果可以帮助零售银行决策者更好地分析和评估他们的数字成熟度，以及行业现状和银行同行的现状，并为他们未来的业务得出正确的结论。

我们已经为银行制定了两项建议，以帮助它们不再在数字化竞赛中落后，并使它们能够尽快赶上。零售银行成功数字化转型的关键步骤是让他们采用有针对性的战略定位，并应用能够实现颠覆性创新的正确实施模式。