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市場調查報告書
中歐・東歐銀行業的機會及威脅(策略分析)
Opportunities and Threats in the Central and Eastern European Banking (Strategic Focus)
| 出版商 |
Datamonitor |
| 出版日期 |
2009年05月 |
商品編碼 |
90347 |
| 內容資訊 |
英文 45 pages |
| 價格 |
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中歐・東歐銀行業的機會及威脅(策略分析) 是由出版商Datamonitor在2009年05月所出版的。
這份英文市場調查報告書包含45 pages 價格從美金3395起跳。
迎接轉換期的中歐・東歐(CEE)零售銀行市場。銀行在事業優先順位快速改變當中,開始著手開發因應不景氣的新商品、服務、銷售通路。該變化就短期及潛在長期而言,都會影響到IT策略・投資的修正。
本報告書內容包括:中歐・東歐(CEE)銀行業調查資料及專業觀點分析資訊等。內容綱要摘記如下:
概要
主要訊息
- 不因不景氣受創,結構及經濟的基礎朝長期發展穩健成長
- 受到超過大致設想的嚴重緊急危機的影響
- 收益能力降低更加快降低成本策略的實施
- 因金融危機而二極化的2009年IT擴張計畫
- 從有獲得存款的必要性,因此將資源集中在開發分店上是IT化的最優先事項
- 透過CEE整體金融市場保持大略鬆散樣貌的IT銷售企業
- 銷售企業應調查總公司和卓越中心 (CoE)的關係
市場性
- 應將CEE及CIS(獨立國協)分開考量
- 透過CEE大幅擴充業務的西歐銀行
- 走向金融市場成熟道路的CEE各國
- 形成未來發展性的CEE區域内總體經濟因素
- 受到超過大致設想的嚴重緊急危機的影響
技術機會及威脅
- 就算有因降低成本帶來的風險,也應保持重視收益成長的態度
- 因金融危機而二極化的2009年IT擴張計畫
- 從有獲得存款的必要性,因此將資源集中在開發分店上是IT化的最優先事項
- CEE技術投資將逐漸被用來打入西歐市場
技術市場概要
- 加快現有平台縮小及重新構構的對中央管理的付出
- 因防止不法對策及對行動通路的投資而增加的付款技術支出
- 防止不法技術成為中階辦公室投資的推動力量
- 重視銷售總額促進CRM投資
- 通路對銀行而言是主要關注重點
- 保持多樣樣貌的產品銷售企業
- 多樣化的IT服務
- 極力紮根發展的地區内及西歐的銷售企業
- 摸索銀行「熱點」的IT服務企業
進入市場
圖表
Abstract
Introduction
The retail banking market in Central and Eastern Europe had been undergoing a
rapid transformation, as banks developed new products, services and channels,
up to the financial crisis, when the sudden change shifted their priorities.
This will modify both short-term and potentially long-term IT strategies and
IT investment priorities.
Scope of this research
- Central and Eastern Europe is defined as the former socialist countries,
or socialist republics in Europe that have decided not to join the CIS.
- This report covers the banking sector that has evolved from the socialist
banking system.
Research and analysis highlights
The recent macroeconomic environment has resulted in increased pressures on
driving downward operating income growth, which is leading to the adjustment
of the cost base to maintain profitability, and there are many banks which are
suffering extensively during the crisis.
More than half (57%) of the respondents from CEE pointed out that the branch
was the most important business area for driving the increase in IT spending
in the last quarter of 2008.
Key reasons to purchase this research
This research will enable to you to understand changes in IT budgets and how
they could impact your customers This research will enable you to understand
how evolving business pains will result in demand for specific solutions
Table of Contents
OVERVIEW
KEY MESSAGES
- Despite the downturn, structural and economic fundamentals remain strong
for long-term growth
- The financial crisis has hit the region stronger that many had foreseen
- Decreasing profitability is driving a shift to cost-cutting strategies
- The financial crisis has polarized 2009 IT growth plans
- Focus on branch development, driven by need for deposits, is a top IT
priority
- IT vendors' landscape remains largely unconsolidated across the CEE
banking market
- Vendors need to investigate relationship between headquarters and centers
of excellence
MARKET OPPORTUNITY
- CEE and CIS markets need to be distinguished
- Western European banks have increased their operations significantly in CEE
- Foreign banks' entry has significantly influenced the economic
environment in CEE
- CEE countries are on the road to maturity of their banking sectors
- Macroeconomic factors in the CEE region shape strong long-term growth
potential
- Low inflation rates a necessity to join the eurozone
- The credit market is still far from saturation
- Euro adoption still in progress
- The financial crisis has hit the CEE harder than many had foreseen
- The financial crisis reduced competitiveness for new lending
- The financial crisis has created a vicious cycle between the consumer
and commercial banking sectors
- The behavior of foreign-owned banks will influence the development of
the crisis
- Stabilization is a necessity to join the eurozone
TECHNOLOGY OPPORTUNITIES AND THREATS
- Focus on revenue growth continues despite the risk of cost cutting
requirements
- The financial crisis has polarized 2009 IT growth plans
- Focus on branch development, driven by need for deposits, is a top IT
priority
- The centralization of banking operations is changing the technology
landscape
- CEE technology spending will be shifting progressively toward Western
Europe
- Core systems, payment processing and branch technology expenditure will
grow at a healthy rate
TECHNOLOGY MARKET OVERVIEW
- Centralization efforts drive reduction and re-engineering of existing
platforms
- Payments technology expenditure driven by investments in anti-fraud and
the mobile channel
- Investments into middle office are driven by anti-fraud technology
- Sales focus increasingly drives further investments into CRM systems
- Vendors bet on analytic CRM technology
- Channels are in the center of interest for banks
- Branch expansion dominates channel investments
- Online technology consolidation underway
- The ATM world is a three horse race but outsourcers are catching up
- Contact centers are still immune to centralization efforts
- The product vendor landscape remains unconsolidated
- Local software vendors will continue to be niche players
- IT services landscape largely diversified
- Both local and western vendors have managed to significantly penetrate the
market
- IT services companies are looking for the ' hot spots' of banks
GO TO MARKET
- Recommendations for technology vendors
- Vendors need to investigate the relationship between headquarters and
centers of excellence while analyzing the decision making process
- Vendors need to reach a critical mass before the crisis passes by in CEE
to make SaaS up-take successful
- Local language skills are not critical but local domain expertise is
- Now is the time to buy as economic turbulence creates bargains
- Local vendors should analyze their exporting options
- Recommendations for banks
- Western banks should evaluate local vendors' offerings that pose a low
risk to operations
- Banks should watch out for under-investing during the economic recovery
APPENDIX
- Definitions
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
FIGURES
- Figure: Central and Eastern Europe vs. rest of Europe
- Figure: International banks have widely spread across Central and Eastern
Europe
- Figure: Banking development in transformation economies
- Figure: Gross domestic product based on purchasing-power-parity per capita
GDP in selected countries
- Figure: Personal credit saturation level in CEE
- Figure: CEE banks' objectives to IT investment strategy in 2009
- Figure: CEE banks' major strategic goals for 2009
- Figure: Direction of IT budgets changes has diverged
- Figure: Crisis effect on IT budgets in the banking sector
- Figure: Expansion plans drive branch technology investments
- Figure: Raiffeisen' s branch expansion plans by 2010
- Figure: Centralization and expansion efforts drive investments in
infrastructure
- Figure: Retail banking technology spending by country through 2013 ($m)
- Figure: Retail banking technology spending by business function through
2013 ($m)
- Figure: Centralization efforts drive reduction and re-engineering of
existing platforms
- Figure: Anti-fraud and mobile payments drive technology spending
- Figure: Expansion efforts drive investments into channel technology
- Figure: Selected product vendors with footprint in the CEE banking sector
- Figure: Selected IT services companies active in the CEE banking sector
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