“Supplier” with a focussed product

To become a supplier (i.e. Providing a basic service or a specific activity in the value chain)
in the evolution scenario, both local and multi-regional banks will have to move towards
offering a focussed product and service portfolio. As an example for local banks, this could mean
providing a set of clearly defined services around bank accounts, given that in non-metropolitan
areas – especially true for economically weak regions – often only few other financial services
are demanded (“ascetic banking”).

Multi-regional banks will either concentrate on certain
products – such as e.g. Consumer finance (similar to already existing “monoliners”) –, or focus
on specific steps in the value chain – as is the case with, e.g., existing infrastructure providers
(“quasi-monoliner”).