Income Structure and Bank Business Models: Evidence on Performance and Stability from the German Banking Industry

2015 ◽  
Vol 67 (2) ◽  
pp. 226-253 ◽  
Author(s):  
Romona Busch ◽  
Thomas Kick
Keyword(s):  
Business Models ◽  
Banking Industry ◽  
Bank Business Models

Digitalisation of the Global FinTech Industry

2020 ◽  
pp. 431-449 ◽  
Author(s):  
Muhammad Waleed Butt ◽  
Usman Javed Butt
Keyword(s):  
Developing Countries ◽  
Digital Media ◽  
Financial Services ◽  
Business Models ◽  
Banking Industry ◽  
Digital Technologies ◽  
Value Proposition ◽  
Goods And Services ◽  
Digital Disruption ◽  
Financial Technology

The digitalisation of global financial technology and marketing is central for the success of many banking organisations across the globe. Digital disruption is a change that occurs when new emerging digital technologies and business models affect the value proposition of existing goods and services for low end demanding customers or for new market customers. Digital banking or online or virtual banking is leading to the digitization of all the traditional banking activities, products, process, or services. It is needless to state that mere adaptation of digital media to comply with trends does not guarantee success. The digital trends in the banking industry has seen banks focusing on digitalization core processes, increasing awareness, financial inclusions, and undertaking sustainable practices. FinTech (i.e., financial technology) is competing with traditional financial methods in the delivery of financial services and reaching the unbanked segment of society, particularly in developing countries. There is a strong need to understand drivers and trends in the FinTech industry.

scholarly journals Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank’s Future

2018 ◽  
Vol 11 (9) ◽  
pp. 23 ◽  
Author(s):  
Anna Eugenia Omarini
Keyword(s):  
Business Models ◽  
Banking Industry ◽  
Digital Technologies ◽  
Third Parties ◽  
Economies Of Scope ◽  
Traditional Model ◽  
Market Conditions ◽  
Banking Business ◽  
Revenue Streams

Mutated market conditions, the advent of new players and digital technologies, and a significant regulatory push, are profoundly changing the banking industry. Banking business models may shift significantly from a pipeline, vertical, paradigm, to open banking models where modularity can be an opportunity for banks. Not only are the abovementioned factors representing a threat to the traditional model, but also they are spurring significant new opportunities to pursue new revenue streams. Those opportunities are exploited through new banking paradigms that entail higher levels of openness towards third parties and a crescent number of modular services bundled together. Models can go to mere compliance with the prescriptions of openness of PSD2, to the inclusion of new services, the opening of the banking core and data, and the aggregation of those within a platform experience. Value is created in platforms through economies of scope in production and innovation.This paper has explored the evolution of Fintech and Techfin in the market and the emergence of platform models in banking. It has investigated the evolution of that concept, also introducing an interesting banking case (BBVA), which gives several insights on the choices made toward a Banking-as-a-Platform model within the context of Fintech and Open Banking.

Bank business models as a driver of cross-border activities

2020 ◽  
Vol 108 ◽  
pp. 102164
Author(s):  
Mary Everett ◽  
Peter McQuade ◽  
Michael O’Grady
Keyword(s):  
Business Models ◽  
Cross Border ◽  
Bank Business Models

Digital technology disruption on bank business models

2020 ◽  
Vol 21 (1/2) ◽  
pp. 184
Author(s):  
Tabani Ndlovu ◽  
Abdelghani Echchabi ◽  
Mohamed Boulkeroua ◽  
Esinath Ndiweni ◽  
Welcome Sibanda
Keyword(s):  
Digital Technology ◽  
Business Models ◽  
Bank Business Models

scholarly journals Rethinking bank business models: the role of intangibles

2014 ◽  
Vol 27 (3) ◽  
pp. 563-589 ◽  
Author(s):  
Lei Chen ◽  
Jo Danbolt ◽  
John Holland
Keyword(s):  
Business Models ◽  
Bank Business Models
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