Banking and Finance

Fintech everywhere every time

Colourfull finance for a greener planet.

Money reaches new heights of virtuality, transactions tend to immediacy, and the growing banking penetration of the territories contrasts with the increasing acceptance of banking services not offered or supported by banks… In the face of technological uncertainty, the battle will go to whoever offers the most confidence.

  • The Millennial generation feels closer to a new proposal of banking services that do not come from a bank: they are more receptive to contract services with Facebook, Google or Amazon than to expanding their services with their traditional banking institution.
  • Fintech companies are starting to generate business volume by attracting traditional banking customers who offer services they did not have until now, such as small person-to-person payments, Crowdfunding loans, and secure payments through biometric recognition…
  • Bank branches are essential for relationships but are losing weight as an operating environment.
  • Private banking is seeing its typical customer becoming younger, more digital and more socially aware, and is making entirely new demands of its bank.
  • The most innovative banks are beginning to integrate their customers into a collaborative environment, along with internal and external employees and specialists, to develop products and tools that differentiate them from their competitors.

… and three good questions.

Should financial literacy training be part of education, or even literacy programs, for the foreseeable future?

Is the financial ecosystem ready or preparing to integrate the Fintech revolution as part of a new, more inclusive and diverse banking services model?

What are the areas of opportunity for new business models emerging in this new paradigm?

Shall we talk?

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4 + 2 = ?

Foresight of Insurance sector by Smoke & DataInsurance