World Retail Banking Report 2019

The World Retail Report 2019 from Capgemini and Efma explores how banking customers’ changing needs are increasingly being met by customer-centric newcomers and offers insights into how banks can evolve into inventive banks to remain relevant in the Open X era.

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The Last-Mile Banking Challenge

The World Retail Banking Report 2019 finds that while customers demand a more comprehensive and personalized banking experience, banks are struggling to deliver a delightful last-mile experience and are surrendering the last mile to non-traditional players.

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Leapfrogging Open Banking to Open X

With open banking encountering false starts and missed expectations, the industry is being propelled towards an evolutionary future state, Open X, characterized by more effective and open collaboration with new industry players.

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Evolving into an Inventive Bank

To succeed within the new Open X environment, banks will strategically evolve into inventive banks that seamlessly collaborate with other players to deliver digital, experience-led offerings to customers.

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Blogs

BigTech challenges to traditional banking are on the rise

BigTech firms have huge customer bases and data – and they’re now venturing into the financial services domain.

Banking is essential, but what about banks?

Technology intersects with financial services (FS) in multiple ways and is shaping tomorrow’s financial landscape. A significant change has occurred in recent years that we could summarize in one risky sentence: Facing challenges on multiple fronts, Open Banking may soon be leapfrogged by open experience, or Open X.

When does your FinTech future begin?

The highly disruptive next-generation digital banking environment offers a vast opportunity for a broad community of players – whether they’re established banks, challengers, or new entrants. The only surety is that nothing stands still and, right now, the industry is transitioning to a future phase known as Open X.

Incumbents, take note: New financial services marketplaces are now high-impact models

Marketplace lending continues to evolve, with agile firms operating at lower costs and innovating with technology at their core.

Open banking: the path to a robust, sustainable, and inclusive payments ecosystem

Financial services transparency as well as competitive and innovative products for customers are being promoted by regulatory initiatives such as Europe’s Revised Payment Service Directive (PSD2), mandates imposed by the UK’s Competition and Markets Authority (CMA), and various global open-banking plans.

APIs act as collaborative glue to link stakeholders in the new payments ecosystem

Open application programming interfaces (APIs) are fundamentally transforming payments business models by facilitating flexible, user-friendly, and tailored service propositions.

World Retail Banking Report 2019

The World Retail Report 2019 from Capgemini and Efma explores how banking customers’ changing needs are increasingly being met by customer-centric newcomers and offers insights into how banks can evolve into inventive banks to remain relevant in the Open X era.

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