In the last 10 years, we have seen how platforms and marketplaces companies have grown exponentially. Banking won’t be any different. The financial company that nails how to provide a top-class customer experience, access to multiple products and services and removes all the pain points of the customers will win.
16. Is de-regulation the Trojan horse
for the banks?
Source: zeb Research, Bundesfinanministerium, Statista
17. Breaking the supply
chain in banking
Distribution
Product
creation
Bank A
Distribution
Product
creation
Bank B
18. Create or distribute?
Or both?
Fuente: Adapted from Groove, 1996
Producer Platform
Integrator Distributor
Product creation
Distribution
DistribruteyourselfDistribrutionby3rdparties
Own product creation Product creation by 3rd parties
Source: EBA
34. It's not about being available, it's about being relevant
35. The future about banking is about creating a
marketplace that is…
Build a
COMMUNITY of
fans
Become an
ALTERNATIVE to
traditional players
REDESIGN
products and
services
Example: Monzo Example: Raisin (term deposits) Example: Simple (Safe-to-
spend) and geolocalization
of transactions