By Claudio Scardovi
This publication explains easy methods to restructure and effectively flip round a financial institution or bank at a time while the worldwide economy is dealing with a brand new wave of disruption ushered in through innovation from electronic monetary expertise, or FinTech. it's argued that inside of banking this means of inventive destruction will entail extraordinary demanding situations for normal associations in addition to possibilities for brand new, typically electronic, avid gamers. loads of restructuring, turnaround, and transformation can be required. whereas info on those issues is largely to be had with recognize to corporates, this isn't the case for banks. The publication addresses this missed region intimately, interpreting the alterations which have been set in movement, reading how inventive destruction may be expected by means of either outdated and new gamers, and explaining how one can greater deal with restructuring and innovation in banking. The publication will entice best and center managers of banks and fiscal associations, advisers, regulators, teachers, and students.
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1 AT Kerneay, 2015. 7 Innovation and Disruption in Asset Management 41 Speaking more broadly, external market trends are also pushing global and regional asset managers towards a more radical business transformation, with an active role played by digital innovation: • The competition for wealthy clients could be further supported and increased by the availability of cheaper and faster online tools and automated services— potentially offering the opportunity to deliver really good services (“value for money”) to affluent and mass market clients as well; • The commoditization of the services being offered is also promoted by the automated investment management platforms that are able to standardize traditionally highly personalized, value added services at a fraction of costs, given their embedded digital innovation; • Finally, the higher ﬁnancial literacy of the client base is further spurred by the availability of easy to use digital data analytics tools, for getting information, elaborating investment intelligence and executing structured investment strategies and asset allocations.
Algorithm-driven trading itself is not new: it became popular in the 90s, and it has been focused for a long time on identifying and exploiting arbitrage opportunities by leveraging the “delays” in market adjustments. Algorithmic trading has been hugely proﬁtable for many years already, but it appears to have peaked around the turn of the decade, and is today decreasing in utilization and proﬁtability—also driven by the collapsing costs of hyper fast connections and transactions. 3 Bln USD in 2014.
8 Open and closed loop innovation in payments. Source Elaborated from World Economic Forum juicy part of the value chain) to get hold of the client and of most of the value adding phases of his shopping journey—as shown graphically in Fig. 9—PayPal investment strategy: following the consumer journey. The new intermediaries in payments may then be adopting different models and have the backing from a very heterogeneous range of mixed hardware-software (Samsung, Apple), software (Google) or e-commerce (Ebay/PayPal) companies, and have one critical element in common: their data applied analytics capabilities.
Restructuring and Innovation in Banking by Claudio Scardovi