MODELS IN THE DISRUPTION SCENARIO

Given the disruption scenario’s rapid developments, banks will inevitably have to adopt new
approaches (e.g. Cashless payment solutions, as is happening in northern European banking
markets) and infrastructure solutions (e.g. Cloud services, RPA, artificial intelligence) – at the
risk of making entire process chains within their organisations obsolete.

In this scenario, the
relationship between traditional banks and their clients quickly deteriorates, the market is highly
transparent, and the breakthrough of digital technologies in the workplace happens fast and on
a large scale (more than 50 percent rationalisation), with drastic implications for employment and
compensation structures in the banking industry.

In particular, the distinction between local
and multi-regional banks will lose its importance. Six banking models are possible in the
disruption scenario.