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PSD2 und Open Banking: Chancen für Banken im digitalen Finanzökosystem

Herausforderungen für Banken in einem dynamischen Umfeld

Reshaping banking in a dynamic business and regulatory climate

Aktuelle Herausforderungen für Banken in einem dynamischen Umfeld

Herausforderungen für Banken

Finanzinstitute leiden unter Margendruck, zunehmenden aufsichtsrechtlichen Anforderungen und Wachstumsproblemen. In der Studie werden Ansatzpunkte beschrieben, wie Banken und Sparkassen reagieren können.

Facing profitability pressures, growing regulatory compliance costs, and revenue-growth difficulties, banking executives are increasingly looking to reshape their organizations’ future. The report offers valuable insight about the following key issues and challenges that need to be addressed.

Culture of embracing change

In today’s environment, change is constant, so banks must be nimble and innovative.

Focus on customers, not products

To increase revenue, banks must determine the appropriate customers to target and how best to package the products and services for which they are willing to pay.

Deriving value from data

Banks that are able to extract more value from all available data sources to develop a better understanding of customer needs can serve customers more effectively and profitably, while developing a competitive advantage and staving off threats posed by new market entrants.

M&A/Alliances

Banks will need to strategically evaluate whether they are a buyer, a seller, or neither, while also examining the possibility of developing alliances to expand, enhance product capabilities, or reduce costs.

Technology

The promise of harnessing technology advances can help banks streamline operations to reduce operating costs, connect future and existing customers across a multitude of new and emerging channels, tap new revenue streams, enhance customer loyalty, and build better defenses against cybercrime and denial-of-service attacks.

Cybersecurity

The increasing scope, frequency, and sophistication of cyberattacks on banks means institutions need to be better prepared to address this risk.

Capital

Banks will continue to need to prepare for stress testing, while also monitoring various capital adequacy and liquidity requirements and associated staffing and compliance costs.

Accounting

Banks will need to understand revisions to accounting for credit losses on financial assets and other rules.

Quelle: KPMG

Die Studie „Reshaping banking in a dynamic business and regulatory climate“ kann hier direkt heruntergeladen werden.

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