Bank 4.0: Banking Everywhere, Never at a BankJohn Wiley & Sons, 28/12/2018 - 352 من الصفحات Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you:
If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future. |
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... there was no longer an argument about whether or not banks should have a mobile application. The importance of day-to-day use of technology to access banking was clear, but most banks were still in the evolutionary mode, where mobile ...
... There was a realisation that if you took the core utility and purpose of financial services, but optimised the ... there's an overwhelming drift towards low-friction, low-latency engagement. Like every other service platform today ...
... there were large unbanked populations that had never visited a bank branch, there was no need to replicate branch-based thinking, there was just the need to facilitate access to the core utility of the bank. This, combined with the ...
... there was a very serious plan that would set the foundation for the entire Space Race and Cold War. It was the race for the best German scientists, engineers and technicians of the disintegrating Nazi regime. The predecessor to the CIA ...
... there. —Elon Musk, YouTube video, First Principles5 To get to Mars, Musk has reckoned that we need to reduce the cost to orbit by a factor of 10. A tall order for NASA, a seemingly impossible task for a software engineer who had never ...
المحتوى
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Banking reimagined for a realtime world | 101 |
Why FinTech companies are proving banks arent necessary | 185 |
Which banks survive which dont | 285 |
Glossary | 337 |
About Brett King | 344 |
EULA | 345 |