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Essay代寫范文-金融創新如何打敗傳統銀行業

發布時間:2020-08-26 16:13:14 閱讀:1691

案例簡介

  • 作者:致遠教育
  • 導讀:FinTech這個詞是由financial和technology 兩個單詞組成的合成詞,意思主要是指金融科技創新。隨著智能手機的普及,越來越多的人開始使用FinTech services. 其中對于中國消費者來說最熟悉的就是手機支付,但是FinTech還包含電子貨幣,P2P lending
  • 字數:1317 字
  • 預計閱讀時間:4分鐘

案例詳情

FinTech這個詞是由financial和technology 兩個單詞組成的合成詞,意思主要是指金融科技創新。隨著智能手機的普及,越來越多的人開始使用FinTech services. 其中對于中國消費者來說最熟悉的就是手機支付,但是FinTech還包含電子貨幣,P2P lending, 手機匯款等等其他創新的金融服務和產品。今天要講解的這篇范文就是分析金融創新技術是如何打敗傳統的銀行業的。

FinTech

FinTech的出現對于現有金融行業沖擊最大就是商業銀行retail banking了,為了能夠深入分析這個話題,不少的商學院教授都用FinTech是如何挑戰現有銀行業來作為assignment的題目。接下來我們就來分析一下,如果才能寫好這樣一個topic。

如果要全面分析FinTech 公司是如何挑戰傳統金融機構并且讓已經強大了數百年的商業銀行變得越來越可有可無的,可以從三個方面來展開。第一,商業銀行本身的特點讓它們最容易被創新的金融企業挑戰。

第一個原因Reason one – retail banks’ characteristics make it easy to be replaced by innovators. 在對每一個reason進行分析時,可以進一步的展開兩到三個分論點,同時結合peer-reviewed 的references,便可以深入探討一個問題,而非泛泛之談了。比如,對于reason one 我們可以這樣展開:

First, the nature of retail banks has determined its vulnerability in the digital age. Lipton, Shrier, and Pentland (2016) indicate the nature of banking industry engages mainly in technological and mathematical activities which makes financial industry is fairly vulnerable to be replaced by digitalization. 

However, the established retail banks are far behind their more cost-efficient and agile competitors to thrive in the 21 century. Unlike commercial banks which focus mainly on business customers, retail banks mostly deal with general public. Although how to maintain customers are all banks’ priority, it easier for retail banks to lose their clients over their competitors because switching costs are low. 

Actually, with the advance of network and communication technology, the relationship between banks and consumers needs to be redefined. General public rely less and less on retail banks’ branches, and instead with the ever-increasing popularity of Internet banking and mobile money services, ATMs and the 24-hour telephone banking service are out-dated.

Moreover… Reason one 的第二個分論點

第二個原因Reason two – retail banks’ major revenue sources have already been infiltrated one by one. 對于這一點,我們可以寫三個分論點,分別從貸款,存款,和轉賬這三個商業銀行最傳統的業務模塊來分析它們是怎樣被 FinTech start-ups 一一阻擊的:

Up until now, money lending is one of the primary reasons banks exist, however, peer-to-peer (P2P) lending companies have rapidly marched into the backyard of traditional financial institutions, replacing their role as the financial intermediary. According to Wolfe’s and Yoo’s (2017) research, around 27% of personal loan volume in the US has been taken by P2P platforms. 

Hauswald and Marquez (2006) also suggest because of non-bank lenders, mostly FinTech start-ups, are closer to potential customers’ credit information; therefore they can approach more good-quality borrowers and squeeze retail banks out of the market. In addition, in many countries, especially developing countries, it is extremely difficult for ordinary people and SME to be financed by high street retail banks without collaterals. 

By pinpointing these customers, marketplace lending has been developing exponentially and the trend will be unstoppable. Based on the Citi’s (2016) study, China has the largest P2P market in the world and their cumulative lending volumes account for 3% of retail loans and Citi (2016) estimates this figure will be raised to 9% at the end of 2018. 

Apart from making potential customers are easily accessible, P2P lending has another silver bullet up their sleeve against incumbent banks. These online platforms can match lenders and borrowers through the digital algorithm, meaning they can offer cheaper loans for borrowers and increase investment returns for lenders at the same time.

Second… Reason2的第二個論點

Third…Reason2的第三個論點

第三個原因 Reason Three -可以從用戶對于FinTech innovation歡迎的角度來分析為什么FinTech 可以挑戰傳統銀行業,retail banks’ customers welcome to new technology:

Finally, I want to discuss customers’ attitude toward new technology. Lipton, Shrier, and Pentland (2016) indicate the current development of data technology and mobile telecommunication is the third wave of revolution in the banking industry. And the first wave and second wave happened in the middle of 1970s and early 2000s. 

However, the potential impactof the recent emerging digital technologies is far more profound. Not only they can substantially improve the quality and efficiency of financial service, they can also seamlessly integrate financial activities with consumers’ other potential needs. The new generation of consumers can be called digital natives; they are tech-savvy and time conscious. 

They hope their banking services can be provided timely and reliable, and more importantly, they want to access to anything within their lives through laptops or mobiles. This changing customer behaviour is a heaven-sent opportunity for new entrants to knock traditional retail banks out.

Furthermore… Reason 3 的第二個分論點

Conclusion

Traditional retail banks are at the edge of extinction because they are no longer able to meet their customers’ needs in the digital era. For many people, they have already lived in a world without banks because the role of retail banks has been invisibly replaced by the financialized tech companies over the past few years. 

These Internet enterprises are weaving a big online banking system which could smoothly integrate the functions of retail banks with other services (shopping, working, entertainment, etc.) and eventually take all the functionalities of the retail banking over. Undoubtedly, it’s only a matter of time we will live in a world without retail banks.

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