Inom retailbanken är konkurrensmedlet bl.a. att kunna hantera transaktioner till låg kostnad. Banker har här ett handikapp. IT-företag på nätet har redan existerande transaktionshanterings plattformar som är byggda med senaste teknik för att till extremt låg kostnad hantera enorma transaktionsvolymer. som kan skalas upp till hantera betalningar, rådgivning etc Bankerna sitter fast i byrackehörnet med gamla lapptäcken av system som kostar miljarder att förnya och kräver fleråriga projekt, om det ens går Engelska Lloyds Bank har bara 30 miljoner kunder, HSBC har bara 52 miljoner och Barclays har bara 48 miljoner., IT företagen har inte detta arv. De kan redan hantera fler miljarder transaktioner billigt. De kan sätta igång med s.k. low-end disruptions och invadera bankernas område. Det har redan börjat.. Computer Weekly har funnit 6 stycken redan.ag citerar:.
6 Challengers
Computer Weekly recently described six challenger banks that are using IT to take on the traditional banks. Here are six IT companies that shaking up retail banking.
1. Google.
Google Bank is already a common phrase in IT and banking circles. So much so that Forrester has compiled a report about its potential.In recent weeks, Google has increased its footprint in finance. It acquired some of the technology and intellectual property of AT&T Mobility, T-Mobile US and Verizon Wireless-owned mobile payments business Softcard
Google announced previously that Android phones sold by these telcos in the US would soon come pre-installed with Google Wallet.
Google also announced the UK availability of a that enables people to make payments using Gmail. As part of Google Wallet, the service can be used to send money in the Gmail environment.
The internet giant is also expected to launch payments application programming interface Android Pay at its I/O conference in May. The API will allow developers to add mobile payments to their apps to enable in-store and in-app payments.
DoggIn the field of financial services information enrichment, Google recently made available a free mortgage calculator that lets consumers compare mortgages from different finance firms. The free service – available in the Google browser – is a further example of the role technology giants such as Google are carving out in the finance sector.”
Bankerna har svårt att se dessa hot som redan börjat. De flyger under deras spaningsradar. Jag återkommer till de övriga 5
Läs trendspaningar på www.lobalk.se.