Banking in the Connected World连接世界的银行业

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1、BankingintheConnectedWorldCRAFTINGTHEBANKOFTHEFUTUREORACLEWHITEPAPER

2、DECEMBER2017DisclaimerThefollowingisintendedtooutlineourgeneralproductdirection.Itisintendedforinformationpurposesonly,andmaynotbeincorporatedintoanycontract.Itisnotacommitmenttodeliveranymaterial,code,orfunctio

3、nality,andshouldnotberelieduponinmakingpurchasingdecisions.Thedevelopment,release,andtimingofanyfeaturesorfunctionalitydescribedforOracle’sproductsremainsatthesolediscretionofOracle.TableofContentsIntroduction2TheChangesintheWorldofFinancialMarket5ConceptofIdentityhasEvolved5Shif

4、ttowardsIndustrializedServices7UbiquitythroughPartnership9DifferentiationbyNarrowServiceFocus11CraftingtheBankoftheFuture12Connectivity12Componentization13Convenience13FutureBankingBusinessModels13Intra-Bank13AppMarket14Distributor14Aggregator14Platform14Conclusion15References151

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6、BANKINGINTHECONNECTEDWORLD

7、CRAFTINGTHEBANKOFTHEFUTUREIntroductionThebankingindustryisinitsmetamorphosisstateandithasevolvedgraduallyfromthetraditionalbrickandmortarbankstodigitalbanks.ThebankingmodelsandchannelshavegonealongwayeversincetheInternetsagastarted.TheInternetopenedthe

8、gatestowardsdigitaltransformationandinnovationandcompletelyrevolutionizedthebankingindustrybyempoweringbankstoservetheircustomersinabetterwaytherebyreducingcostsandimprovingbankingexperience.TheInternetchangedtheentirespectrumofbankingrightfromgainingproductinformationtobuyingthe

9、product.Theacceptancelevelofusingthebankingservicesdigitallystartedgrowingandithasnowbecameanormforbrickandmortarbankstoinvestinthedigitalmodeltoservetheircustomersonline.Thedigitalbankingmodelbroughtintoexistenceyetanotherparadigmshiftinthebankingindustrywhendigital-onlybanks(al

10、soknownasNeo-banks)emergedandstartedgainingmomentuminthemarket.Figure1:TOTALCURRENTACCOUNTINTERACTIONS(INMILLIONS)Source:CCIACHANNELIMPACTThefinancialsectorsawyetanothershiftwhentheFintechsstartedemerginginthemarketandstartedleveragingthetechnologyastheirbackbonetoservefinancialp

11、roductstotheconsumers.AccordingtotheGlob