Home > Resources > Whitepapers > Banking Disintermediation: The Personalisation Imperative

Banking Disintermediation: The Personalisation Imperative

February 15, 2016

The banking industry is facing a radical transformation. The emergence of digital and mobile as dominant delivery channels has given rise to challenger banks and alternative financial services institutions (AltFIs), expanding consumer choice and broadening the competitive landscape. Some commentators have suggested it’s only a matter of time before traditional institutions take on the role of regulated infrastructure provider without direct access to customers, after being disintermediated by AltFIs.

Spotlight

KBC Bank Ireland

Welcome to KBC, The Bank of You. At KBC Bank Ireland we have a long and proud tradition of providing personal and business banking services to our customers - in fact we have been in Ireland for over 40 years. Our parent, KBC Bank NV is one of Europe's largest banks and is a member of the KBC Group.

OTHER WHITEPAPERS

Embedded finance: The move towards invisible banking

whitePaper | April 1, 2023

“Banking is necessary; banks are not,” said Bill Gates in 1994. As financial services become increasingly embedded into everyday life, the truth of this statement has never been clearer. Customers are increasingly accessing financial services through channels other than the bank. Embedded finance is changing the banking landscape and is expected to have an estimated market value $138 billion by 2026, according to Juniper Research.

Future of mobility: Finance and banking report

whitePaper | May 11, 2023

Financial institutions are transforming how they interact with customers and employees. They are seeing the immense value of implementing digital tools to meet today’s expectations and demands — specifically, mobile technology tools that enable banking from anywhere.

How banks can innovate lightning fast

whitePaper | July 27, 2022

As banking players have embraced the digital era, customers want to do more and more online and via their mobile apps. They expect their financial transactions to be seamlessly embedded in their daily lives.

Now is the time to invest in PE

whitePaper | June 21, 2022

Data from various providers and academics analysing private equity returns show, that PE outperforms public markets throughout the business cycle, and Internal Rates of Return (IRR) pick up following recessions, as most recently observed following the 2000-1 Dotcom Bust and the 2007-8 Global Financial Crisis (GFC).

Reduce Paper & Costs With AP Automation

whitePaper | June 14, 2023

Manual accounts payable (AP) processes are costly, inefficient, and expose companies to unnecessary risk. With the rising call to reduce paper usage and lower costs, it’s time to explore alternatives that can help controllers and AP managers do more with less.

Review of 2019 Credit Trends

whitePaper | January 9, 2020

The United States played a starring role as the rest of the world watched the President become the third leader in history to be impeached by the House in December. Our chief protagonist kept investors guessing by prolonging the ongoing US-China trade wars while simultaneously applying a slew of tariffs across Europe, South America, and elsewhere in Asia.

Banking Disintermediation: The Personalisation Imperative