How Can Banks Best Become Digital?
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When it comes to embracing digital, banks often don’t know where to begin. Legacy tech infrastructure makes it hard to quickly innovate on the fly, as start-up tech firms do.
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The German Fintechs Are Coming
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Germany has one of the most robust and innovative fintech sectors in the world. A big reason is that the country has a regulatory landscape that seeks to work with and incubate start-ups, as opposed to stifling innovation. A number of German challenger banks and fintech firms have made waves over the past few years.
Read MoreFintechs and Financial Institutions: Together Forever?
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In the early part of this decade, fintechs were viewed by some traditional financial institutions as barbarians at the gate, eager to take customers away. Fintechs, for their part, frequently talked about “disrupting” the financial industry and doing things digital-first, not being held back by legacy technology or processes.
Read MoreHow Can Banks Innovate?
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Why can’t banks innovate like start-ups? It’s a question that’s been asked a thousand times and has many answers. It’s certainly true that financial firms face a more stringent regulatory environment than most other industries. And they tend to have a more conservative nature than other businesses that tend to take fewer risks.
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