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1、GlobalBankingPracticeCuttingThroughtheFinTechNoise:MarkersofSuccess,ImperativesForBanksCuttingThroughtheFinTechNoise:MarkersofSuccess,ImperativesForBanksIntroduction1TheFinTechMoment2FinTechAttackers:SixMarkersofSuccess5Banks:SixDigitalImperatives8CuttingThroughtheFinTechNoise:MarkersofSu
2、ccess,ImperativesforBanks1IntroductionSiliconValleyiscoming.Therearehundredsofstart-upswithalotofbrainsandmoneyworkingonvariousalternativestotraditionalbanking.–JamieDimonBankinghashistoricallybeenoneofthebusinessmodel.Inrecentdecades,businesssectorsmostresistanttodis-bankswerealsohelpedb
3、ythetwintail-ruptionbytechnology.Sincethefirstwindsofderegulation,aperiodusheredmortgagewasissuedinEnglandintheinbytheDepositoryInstitutionsDeregu-11thcentury,bankshavebuiltrobustlationActof1980(DIDRA),anddemo-businesseswithmultiplemoats:ubiqui-graphics(e.g.,thebabyboomgenerationtousdistr
4、ibutionthroughbranches,comingofageandenteringtheirpeakuniqueexpertisesuchascreditunder-earningyears).Intheperiodbetweenwritingunderpinnedbothbydataand1984and2007,U.S.bankspostedaver-judgment,eventhespecialstatusofagereturnsonequity(ROE)of13%.Thebeingregulatedinstitutionsthatsupplylastperi
5、odofsignificanttechnologicalcredit,thelifebloodofeconomicgrowth,disruption,whichwasdrivenbythead-andhavesovereigninsurancefortheirli-ventofcommercialInternetandthedot-abilities(deposits).Moreover,consumercomboom,providedfurtherevidenceofinertiainfinancialservicesishigh.Con-theresilienceof
6、incumbentbanks.Inthesumershavegenerallybeenslowtoeight-yearperiodbetweentheNetscapechangefinancialservicesproviders.Par-IPOandtheacquisitionofPayPal(oneofticularlyindevelopedmarkets,con-thewinnersofthisera)byeBay,moresumershavehistoricallygravitatedthan450attackers–newdigitalcurren-toward
7、theestablishedandenduringcies,wallets,networks,etc.–attemptedbrandsinbankingandinsurancethattochallengeincumbents.Fewerthanfivewereseenasbulwarksofstabilityeveninofthesesurviveasstand-aloneentitiestimesofturbulence.today.Inmanyways,PayPalistheex-ceptionthatprovesthe
