DESIGN THINKING设计思维

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1、DESIGNTHINKINGTHENEWDNAOFTHEFINANCIALSECTORHOWBANKSCANBOOSTTHEIRGROWTHTHROUGHDESIGNTHINKINGINANERAOFDE-BANKINGREPORTAUTHORS:TABLEOFCONTENTSIESEBusinessSchool:JosemariaSiota,ThomasKlueterOliverWyman:DieterStaib,SamTaylor,IñigoAniaPublishedinApril2017H

2、OWCANBANKSBOOSTTHEIRGROWTH?2THEENDOFTHEBANKINGSECTOR?2INNOVATION:APROMISINGSOLUTION3DESIGNTHINKINGATTHECOREOFINNOVATION4FRAMINGTHECONCEPT4DESIGNTHINKINGVERSUSTRADITIONALBUSINESSTHINKING5HOWCANDESIGNTHINKINGBESUCCESSFULLYAPPLIEDTOFINANCIALSERVICES?6DE

3、SIGNTHINKINGPROCESSOVERVIEW8KEYCHALLENGESTOOVERCOMEINTHEAPPLICATIONOFDESIGNTHINKINGINFINANCIALSERVICES9APPLYINGDESIGNTHINKING13THECASEOFTHENATIONALAUSTRALIANBANK13CONCLUSION17DE-BANKINGISNOTTHEENDOFBANKSBUTTHEBEGINNINGOFDESIGNTHINKING17APPENDIX19METH

4、OD19ADDITIONALEXHIBITS20Copyright©2017OliverWymanandIESEDESIGNTHINKING:HOWCANBANKSBOOSTTHEIRGROWTH?THENEWDNAOFTHEFINANCIALSECTORTHEENDOFTHEBANKINGSECTOR?HOWBANKSCANBOOSTTHEIRGROWTHTHROUGHDESIGNTHINKINGINADE-BANKINGERARecently,wereturnedonaflighttoBar

5、celonafromNewYorkwherewehadtakenpartinapaneldiscussionwithmembersoftheleadershipteamofPayPal,acompanythatThereisbroadconcerninthebankingindustrythatanimportantshareofsuccessfullymadethejourneyfromanonlinepaymentplatform,tochallengingestablishedbanksi

6、nthepaymentsspace,bothwithinandacrossborders.With$10.84billioninrevenuesandthetraditionalwaysofdoingbusinessareatriskduetotherevenuesin2016,APayPal(alongwithothertechnologyfirmssuchasGoogleorAmazon)emergenceoffintechstartupsthatarechallengingtheestab

7、lishedplayers.istryingtoestablishitselfasanervecenterforkeyfinancialtransactions,bothofflineandInthecurrenteconomicenvironment,banksarelookingtoadaptandonline.Atthesametime,banksfacemoreandmorecompetitionfromemergingfintechevolvetheirbusinessmodelsto

8、meetthesechallengesandopportunities.startups,whichareusinginnovativetechnologytotryandchipawayatsomeofthekeyDesignThinkingisausefultoolthatcanhelpbanksintheirendeavors.transactionsoftraditionalbanks.BTheoverarchingquestionthatoccupiedourmindsonthatei