Digitales Banking braucht neue Technologien und neue Anbieter

foto cc0 pixabay gaida aa hochhaus

Plattformtechnologien von Start-ups werden zu Erfolgsfaktoren für digitale Initiativen.

Banken stehen unter großem Druck,  ihre digitalen Dienstleistungen effizienter zu machen und die Kosten  gering zu halten. Gleichzeitig stellen sich etablierte Softwareanbieter bislang nur geringfügig auf die neuen Anforderungen ein, so das IT Research- und Beratungsunternehmen Gartner.

Gartner prognostiziert, dass bis Ende 2019 rund 25 Prozent aller Retail-Banken ihre bestehenden Systeme für Online- und Mobile-Banking durch solche von Start-up-Anbietern ersetzen werden.

Neue Anbieter sind in der Lage die Anforderungen von Kunden und Banken an integrierte Kanäle und dynamische Nutzung zu erfüllen, was das Banking leichter und benutzerfreundlicher macht. Solche Anbieter konkurrieren mit den traditionellen – meist etablierten – Anbietern von Online- und Mobile-Banking und Kernbankenlösungen.

»Junge und neu gegründete Anbieter von digitalen Banking-Plattformen bieten Banken neue Chancen für Innovation«, so Stessa Cohen, Research Director bei Gartner. »CIOs müssen sich darauf einstellen, dass sie künftig zwischen neuen Anbietern wählen müssen, die möglicherweise noch keine Referenzen anderer Finanzdienstleister aufweisen können, die neu und unerfahren sind oder keinen großen Kundenstamm besitzen. Für die CIOs könnte es schwierig werden, ihre Investitions-Entscheidungen gegenüber dem Vorstand und Vorgesetzten zu rechtfertigen. Dies sollte allerdings kein Argument für die Entscheidung gegen neue Anbieter sein.«


 

Gartner Says Digital Banking Demands New Technologies and New Vendors

Emerging and Startup Digital Banking Platform Technologies Key to Success of Digital Initiatives

 

Banks face intense pressure to increase efficiencies and reduce costs while delivering next-generation digital services; however, incumbent application vendors have been slow to respond to new requirements, according to Gartner, Inc.

Gartner predicts that by the end of 2019, 25 per cent of retail banks will use startup providers to replace legacy online and mobile banking systems.

New vendors are emerging to meet both customer and bank needs for channel integration and dynamic customer experiences that make banking easier to accomplish on the devices customers want to use. These vendors challenge the traditional — often incumbent — vendors of traditional online and mobile banking and core banking solutions.

»Startups and emerging providers of digital banking platforms offer banks interesting opportunities for innovation,« said Stessa Cohen, research director at Gartner. »However, CIOs must prepare to manage the challenges of evaluating and selecting new vendors that may not have proven track records in the financial services vertical or may simply be new and untried without an extensive customer base. It can be difficult for CIOs to justify investment in their solutions to their boards and regulatory agencies, but don’t use that as a reason to exclude new vendors.«

Gartner advises bank CIOs to work with business leaders and other key stakeholders to assess the bank’s comfort with, and ability to manage, the risks associated with using new providers, especially financial technology startups.

Legacy Vendors Slow to React

One of the most important reasons the market for digital banking solutions has opened up is that most legacy vendors that offer bank channel applications — for both consumer and business customers — have been slow to react to new customer requirements and demands of digital banking.

Incumbent vendors often do not support open architectures that decouple the presentation of services from the services and transactions themselves and, crucially, enable the bank to bring new and existing processes together to offer innovative digital services.

As a result of both customer and bank IT and business requirements, new vendors have emerged with digital banking capabilities that enable bank business and IT staff to offer apps and applications that support personalised, customer-centric banking experiences, data and behavioural analysis, location and context sensitivity and creation of a partnership ecosystem to create new services leveraging partner data, transactions and processes.

»This is why many banks developing digital banking strategies to meet customer demands have sought out new providers to replace their existing online and mobile banking solutions with digital banking platforms,« said Ms Cohen.

Open Unified Digital Banking Platforms

Open unified digital banking solutions make it possible to deliver new digital products and services, and create a multidimensional customer experience across all devices and channels. They enables the bank to develop and deliver services for use by both bank staff and customers, via any device or channel.

Digital banking platforms may include a broad range of capabilities including financial management, payments, marketing, loyalty, analytics and customer communication management.

Gartner views open unified digital banking platforms as an emerging technology, even though some of the solutions on the market, including some from niche banking system vendors, have been available for several years.

The market for digital banking platforms is highly fragmented. Vendors include:

  • Incumbent bank niche vendors
  • Mobile or online banking solution vendors
  • Horizontal digital platform and customer experience vendors
  • Horizontal portal vendors
  • System integrators
  • Emerging digital banking vendors
  • Startup digital banking vendors

Gartner analysts said bank CIOs should be prepared for extensive, potentially disruptive changes in this market, including merger-and-acquisition activity, heightened competition and new entrants from other geographic regions.

[1] More detailed analysis is available for Gartner clients in the report »Market Guide for Open Unified Digital Banking Platforms.«