市場調查報告書
商品編碼
938485

挑戰者銀行:金融新時代的新提案

Challenger Banks: New Propositions for a New Age of Finance

出版日期: | 出版商: IDC | 英文 34 Pages | 訂單完成後即時交付

價格
  • 全貌
  • 簡介
  • 目錄
簡介

本報告以亞太地區數位銀行的劇增為焦點,提供新類型的銀行所扮演的角色相關的系統性資訊。

目錄

執行概述

概況

  • 業務範圍
    • 定義
      • 挑戰者銀行
      • 傳統銀行
  • 概要
  • 亞太地區法規當局的準備情形
    • 中國
    • 韓國
    • 澳洲
    • 香港
    • 台灣
    • 印度
    • 印尼
    • 菲律賓
    • 馬來西亞
    • 新加坡
  • 挑戰者的先進技術的發展
    • 模組化式核心銀行系統
    • 無摩擦的數位首次開戶
    • 立即決定的授信判斷
    • AI、ML
    • 挑戰者的技術合作夥伴
  • 挑戰者的擅長領域
    • WeBank - 中國
    • kakaobank - 韓國
    • Xinja - 澳洲
    • 挑戰者銀行的成功策略
  • 對銀行的金融科技 (FinTech)的滲透
  • 成功因素的生態系統
  • 盈利與永續性
  • 今後的課題

對技術買主的建議

參考資料

  • 相關調查
  • 摘要
目錄
Product Code: AP43052018

This document discusses the proliferation of digital banking in the Asia/Pacific region that is driven by technological advances and regulators that have lowered the barrier of entry to the banking industry. IDC profiled several digital banks and the type of technology used in demonstrating how a digitally native agenda is executed, paving the way for traditional banks to follow suit. The report also highlights the role of these new type of banks in increasing financial inclusion, particularly across Asia/Pacific in which a significant number still do not have access to financial services."With several digital banks set to launch across Asia/Pacific over the next t years, we will witness an era of banking driven by customer centricity. Digital banks will endeavor to address any gaps left by traditional banks in convenience and efficiency. As more fintechs start their journey into offering financial services, we will see them adapting third-party functionalities into their ecosystem via open application programming interfaces (APIs) that will facilitate more data sharing - a crucial move in creating a truly personalized digital banking experience. Although challenger banks will likely not grow to be dominant in the retail banking sector, they will gain sufficient ground in markets in which their value proposition resonates with market needs, as well as in a rising digitally inclined generation that will embark on their banking journey in the coming years."

Executive Snapshot

Situation Overview

  • Scope of Work
    • Definition
      • Challenger Banks
      • Traditional Banks
  • Brief History
  • State of Regulator Readiness in Asia/Pacific
    • Chinalicense
    • South Korea
    • Australia
    • Hong Kong
    • Taiwan
    • India
    • Indonesia
    • Philippines
    • Malaysia
    • Singapore
  • Challengers' Deployment of Advanced Technology
    • Modular Core Banking System
      • Cloud Considerations
    • Frictionless Digital Onboarding
    • Instant Credit Decision Making
    • AI and ML
    • Challengers' Tech Partners
  • What Challengers Do Best
    • WeBank - China
      • Outstanding Areas
    • kakaobank - South Korea
      • Outstanding Areas
    • Xinja - Australia
      • Outstanding Areas
    • Winning Traits for Challenger Banks
      • Superior UI and UX
      • Gamification in Banking
      • Hyperpersonalization
  • The Infiltration of Fintechs into Banking
  • Ecosystems as the Key to Success
  • Profitability and Sustainability
    • Interest Rate Pricing - Tactical Decisions
    • Blue Ocean Strategy in China
    • Can Their Successes Be Replicated?
    • The Potential for Growth in Asia/Pacific
    • Other Considerations as Seen in South Korea
    • Nontraditional Revenue Streams
  • Challenges Ahead
    • Competing Head to Head with Incumbents
    • Customers' Propensity to Switch
    • Building Customer Trust in a Digital Age
    • Integration into the National Credit Scoring Ecosystem

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