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市場調查報告書

BaaP (Banking as a Platform):API技術對金融機關表示的市場機會

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

出版商 Mercator Advisory Group, Inc. 商品編碼 542477
出版日期 內容資訊 英文 18 Pages
商品交期: 最快1-2個工作天內
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BaaP (Banking as a Platform):API技術對金融機關表示的市場機會 Banking as a Platform: API Technology Presents Opportunity to Financial Institutions
出版日期: 2017年08月16日 內容資訊: 英文 18 Pages
簡介

本報告提供稱作BaaP (Banking as a Platform) 的平台方法,金融機關的利用相關調查,BaaP的架構,BaaP可實行的銀行服務的傳輸模式,支援、優惠方面的金融機關的期待,法律規章當局所扮演的角色與重要性,BaaP帶給金融機關與其FinTech合作夥伴的潛在市場機會範例等彙整資料。

本調查的重點

  • 檢討:透過BaaP的引進可給予金融機關的銀行服務的傳輸模式
  • 引進BaaP策略的金融機關可利用的各種途徑的檢驗
  • 支援、優惠方面的FI的期待:大規模FI、中規模FI、社區FI
  • 銀行流程的零組件化:如何提供個體化服務?
  • 法律規章當局所扮演的角色與重要性、全球性市場壓力
  • BaaP帶給FI與其金融科技合作夥伴的潛在市場機會範例

調查對象企業

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

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:

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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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