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市場調查報告書

對PSD2·開放式銀行的準備

Preparing for PSD2 and Open Banking

出版商 Verdict Financial 商品編碼 358430
出版日期 內容資訊 英文 29 Pages
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對PSD2·開放式銀行的準備 Preparing for PSD2 and Open Banking
出版日期: 2016年05月27日 內容資訊: 英文 29 Pages
簡介

歐洲聯盟 (EU) 施行的「付款服務指令」(PSD2:Directive on Payment Services 2) 加上全球金融危機,相信會加速歐洲零售銀行產業的細分化。PSD2確實創造了市場機會,各家銀行可強化品牌力,擴充數位服務,並可拓展開放式銀行的領域。另一方面,隨著卡片公司和非銀行·專業服務業者的競爭激烈,中階銀行被迫重新評估自家業策略。此外在與各種服務的專門業者合作創造可能性的同時,也存在傷及與客戶關係的風險。無論選擇何種策略,迅速創造出(或與其他公司共同建立)新產品、服務,對業界皆可帶來正面影響。

本報告提供EU的「付款服務指令」(以下簡稱PSD2) 對銀行產業的影響分析,提供您PSD2概要·目的,及PSD2和開放式銀行的優勢·弱點,(受到實施PSD2的影響) 現在/未來消費者對銀行服務的偏好,金融機關今後應該選擇的戰略與戰術,今後的銀行業及相關技術·服務業 (金融科技等) 的發展方向性等相關之調查與考察。

摘要整理

  • PSD2雖然給消費者帶來更多選擇,但銀行卻被迫面臨要重新評估經營模式
  • 分析的要點
  • 重要成功要素

PSD2目標和目的

  • PSD2增強消費者的立場,促進競爭
  • PSD2主要因素
    • PISP (Payment Initiation Service Provider:中間的業者) 提供消費者附加價值服務
    • PISP滿足消費者在資產管理工具方面的需求
    • PISP挑戰銀行擁有的「前端錢包」的地位
    • AISP (Account Information Services Provider):一方面提高客戶參與,同時也獲得客戶
    • 消費者至今仍相信銀行,並視銀行為「照顧資金者」
    • 藉由AISP獲得強大的競爭優勢
  • 安全,資料使用,可靠性
    • 不應該無視消費者對帳戶集的安全面疑慮,

PSD2及目標的策略性方法

  • SWOT分析
    • 金融科技·網路:大優勢
    • API:不是單純的技術解決方案,同時也是商務產品
    • PSD2有損客戶忠誠度的可能性
  • 策略性選擇

PSD2遵守和開放式銀行的戰術性方法

  • 銀行籌劃行動計劃的必要性
  • 最優先課題:組成架構的設定
  • API策略的創造
  • API生產流程的設計
  • 市場,網路,實驗,消費
  • 準備好提供服務的支援和最佳化的監測

開放式銀行的未來性

  • 產業合作·聯盟的機會:對銀行來說的強化戰力因素
    • 未來的附加價值銀行 (銀行服務)

結論

  • 主要的分析結果
  • 金融科技 (FinTech) 解決方案
    • Verdict Financial的相關報告一覽

附錄

  • 簡稱·首字母一覽
  • 分析方法
  • 參考文獻
  • 相關報告
  • 關於Verdict Financial
  • 法律上的免責聲明

圖表一覽

目錄
Product Code: VF0067IA

Summary

The EU's Directive on Payment Services 2 (PSD2) will accelerate the fragmentation of Europe's retail banking industry following the global financial crisis. The opportunities brought about by PSD2 will energize banks with strong brand awareness and advanced digital offerings into pushing the boundaries of open banking. Increased competition from card issuers and non-bank third-party providers will prompt steady mid-cap players to fundamentally evaluate their strategies. Banks that are competing on price may see a future in collaborating with third parties, but in doing so will relinquish control over their customer relationships. Whichever path is chosen, the opportunity to offer, create, or co-create new products and services much more quickly is a positive change for the industry.

Key Findings

  • Banks must ultimately view PSD2 as a business model change, and not simply a compliance issue.
  • PSD2 fundamentally rebalances control over customer data in favor of the consumer.
  • PSD2 has the potential to undermine customer loyalty by distancing banks from their customers.
  • The capping of interchange fees will force card issuers to push aggressively into the personal loans market.
  • Consumers show a strong preference for their bank to provide account aggregation services.
  • Many banks will be in a position to offer additional apps over and above what is required by PSD2.
  • Banks with an established presence in fintech through incubators and accelerators will be in a stronger position to capitalize upon the opportunities brought about by PSD2.

Synopsis

Verdict Financial's "Preparing for PSD2 and Open Banking" report offers insight into the changing regulatory structure, new competition, and how banks should position themselves in the new market environment.

It offers:

  • Insight into consumer preferences on account aggregation using our 2015 Retail Banking Insight Survey.
  • SWOT Analysis on PSD2 and open banking.
  • Guidance as to how banks can shape their propositions leveraging third-party providers.

Reasons To Buy

  • Understand the impact of PSD2 on retail banking.
  • Identify strengths, weaknesses, opportunities, and threats posed by PSD2 and open banking.
  • Action key tactical steps to ensure compliance with PSD2 regulation.
  • Envisage how banks can provide value-added products and services in an open banking environment.

Table of Contents

EXECUTIVE SUMMARY

  • PSD2 will bring more choice to consumers, but will force banks to reconsider their business models
  • Key findings
  • Critical success factors

AIMS AND PURPOSE OF PSD2

  • PSD2 will empower consumers and spur competition
  • Key elements of PSD2
    • PISPS will bring value-added services to consumers
    • PISPs could meet consumer needs for money management tools
    • PISPs will challenge banks' "front-of-wallet" position
    • AISPs can boost customer engagement, but also customer acquisition
    • Consumers still trust banks to look after their money
    • Becoming an AISP will offer a significant competitive advantage
  • Security, use of data, and liability
    • Consumer concerns over the security of account aggregation must not be ignored

A STRATEGIC APPROACH TO PSD2 AND BEYOND

  • SWOT analysis
    • Fintech networks are a key strength
    • APIs are not simply technical solutions, but also business products
    • PSD2 will undermine customer loyalty
  • Strategic options

A TACTICAL APPROACH TO PSD2 COMPLIANCE AND OPEN BANKING

  • Banks need a plan of action
  • The first priority is to set up a framework
  • Create an API strategy
  • Design an API production process
  • Market, network, test, and consume
  • Prepare for delivery service support and optimization monitoring

THE FUTURE OF OPEN BANKING

  • The opportunity to collaborate and partner is a force multiplier for banks
    • Value-added banking of the future

CONCLUSION

  • Key takeaways
  • Fintech solutions
    • Verdict Financial's FinTrack product shows how banks can integrate value-added products and services into their offerings

APPENDIX

  • Abbreviations and acronyms
  • Methodology
  • Bibliography
  • Further reading
  • About Verdict Financial
  • Disclaimer

List of Tables

  • Table 1: What PSD2 means for banks: SWOT analysis
  • Table 2: Fintech solutions covered in our monthly FinTrack publication

List of Figures

  • Figure 1: Consumers want tools to help them manage their finances
  • Figure 2: Consumer attitudes towards account aggregation
  • Figure 3: API program overview
  • Figure 4: Tactical steps required for open banking
  • Figure 5: Verdict Financial's Megatrends framework
  • Figure 6: John's Megatrend profile
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