MODULARISATION OF FINANCIAL SERVICES THE BASIC PATTERN: MODULARISATION OF FINANCIAL SERVICES The described drivers of change have – to various extents – been affecting all industries for a number of years. This has already led to significant structural changes in several sectors such as automotive and energy. One basic patternRead More →
DRIVERS OF CHANGE DRIVERS OF CHANGE – NOT ONLY FOR BANKS The big changes of today do not stop short of the German banking market. The underlying drivers can be clearly identified: technology and innovation, customer behaviour and demand, politics and regulations as well as macro-economic and socio-economic developments shapeRead More →
Global technology companies International technology companies: Global technology companies, which can revolutionise direct access to banking products through their globally established customer platforms (e.g. Alibaba, Amazon, Facebook, Google, PayPal and others), make up the prospectively most important new group of competitors for German banks. This group also includes marketplaces, comparisonRead More →
Market infrastructure providers Market infrastructure providers: In addition to the established and steadily growing capital markets infrastructure providers such as exchanges, clearing houses, securities service providers and custodians (e.g. Deutsche Börse Group, LCH.Clearnet, BNY Mellon), a number of successful information service providers, data analytics providers and research boutiques (for exampleRead More →
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