Hvad er den største udfordring for detailbanker i 2022?

Etablering af en robust fundraising-strategi er afgørende for nonprofitorganisationer, der ønsker at opfylde deres missioner og finansielle mål.I 2022 nåede de velgørende bidrag i USA op på $499,3 milliarder kroner, med 63.9% af bidragene kommer fra individuelle donorer. Men antallet af donorer og frivillige er faldet, selv om den samlede finansiering er steget, primært fra velhavende bidragydere. Implementering af effektive fundraising-værktøjer og -strategier kan hjælpe nonprofitorganisationer med at engagere deres lokalsamfund og øge donorernes deltagelse. Det turbulente økonomiske landskab i 2020 og 2021 fanget detailbankvirksomhed companies off guard, forcing them to set their old business models aside and consider new revenue streams. The coronavirus pandemic was a catalyst for retail banks nationwide to reconsider their legacy mindsets and become more digitally resilient, but what does the retail banking landscape look like in 2022? Let’s look.

Hvad er digital banking og digitale banktjenester?

rolex Digital banking er processen med at gennemføre finansielle transaktioner elektronisk i stedet for på traditionelle måder som f.eks. ved at besøge en fysisk bankfilial. Digital bankvirksomhed Tjenesterne omfatter en bred vifte af aktiviteter, herunder netbank, mobilbank og remote deposit capture.

Hvorfor mere kundecentrering i detailbanken?

At the very top of the agenda for most financial institutions in 2022 is customer-centricity. There will be a focus on delivering a superior customer experience, alongside operational excellence in 2022 and beyond, as it becomes essential for retail banks to invest in emerging technologies to remain resilient and relevant. Machine learning and kunstig intelligens is now widely used for fraud detection and prevention, as well as for providing tailored services and products to customers. In addition, chatbots are being used more frequently to provide round-the-clock customer service, which is a huge advantage for banks as it allows them to free up staff to work on more complex tasks. New models have to be made as the general public needs to make informed decisions. FINMA LSFIN, or European MIFID are making the retail advisory market nearly impossible.

Intelligent automatisering af processer

Ifølge det finansielle konsulentfirma, McKinsey & Company, approximately 50 billion devices will be connected to the IoT (Internet of Things) by 2025, as virtualisation and process automation become commonplace. 3D printing, automatisering og robotter skaber ca. 79,4 zettabytes data om året, hvilket giver detailbankerne bedre indsigt, større effektivitet og bedre beslutningstagning. Brugen af procesautomatiseringsværktøjer i bankverdenen, som f.eks. digital procesautomatisering (DPA) og Automatisering af robotprocesser (RPA), is predicted to continue to grow this year, supported by intelligent automation. Prioritising digital processes, such as digital loan application management, Onboarding af kunder and new account opening, is essential to create an enhanced customer experience for credit unions and banks alike. We have seen with InvestGlass banking customers that RPA is now a must. We have built a process for buy now pay later, Afhjælpning af KYC, advarsler om pengestrømme. Digital transformation er også accepteret blandt lederne og ledelsen af banks. Business models are turning to include more services that can be automated. Applications for mobile banking and payments will continue to soar in popularity, as customers become more comfortable with using their phones to make transactions. In addition, biometric authentication is being used more frequently to improve security and reduce the risk of fraud. This technology uses unique physical attributes, such as fingerprints or facial features.

Er du klar til cybersikkerhed i detailbanken?

The financial consequences of cyber threats can be dire for the business prospects and reputation of financial institutions. The increase of online data transmission and mobile technology in 2022 will likely lead to a higher risk of both external and internal cybersecurity breaches. : Apple Pay and Google Pay have respective market shares of 43.4% and 25.0% in proximity mobile payments, a nearly $247 billion market. At the beginning of the pandemic, financial institutions rushed to implement remote working company-wide and pushed their Digital bankvirksomhed transformation initiatives forward, leading to increased cyberattacks. In 2022, protecting critical infrastructure and customer information from these cyber threats is more urgent than ever. Banks are increasingly replacing passwords with biometrics to provide their customers with an additional layer of protection. We are working with the European fintech Onfido for this type of onboarding process. With the recent attack in Ukraine, we will see some new type of threat in the US and Europe. Free movement of cash will be more complex. Of course, this will not affect basic shopping basket operations. And this covid situation has been horrible for data sharing! Too much data sharing has been realised with counterparts not properly protecting investors’ rights. You certainly heard about the GDPR regulering. GDPR-forordningen skal beskytte EU-borgere mod, at deres personlige data behandles forkert af organisationer. Men den er blevet kritiseret for at hæmme det internationale samarbejde mellem de retshåndhævende myndigheder.

Hvilken cloud computing?

For at imødekomme det stigende behov for hastighed og kapacitet vil både kreditforeninger og banker sandsynligvis se på cloud computing-løsninger til at understøtte anvendt analyse og lagre data. Dette kan føre til reduceret risiko for forretningskontinuitet og sikkerhedsbrud, forbedret innovation, forbedret effektivitet og øget kundeindsigt. Cloud-løsninger giver en betydelig organisatorisk fordel og tilbyder indsigt, der kan forbedre den menneskelige produktivitet og gavne transformationen af back-office og front-office. Fremkomsten af bank-as-a-service (BaaS) also accounts for an increase in digital services but which cloud are they using ? We have been very sceptical of banking turning to Google or Microsoft cloud for security and privacy reason, particularly since the new Lov om skyen. The Cloud Act gives US authorities the right to seize data stored on foreign soil, including data belonging to banks and their customers. This issue is compounded by the fact that many organizations are still struggling to get a handle on the complex and sprawling digital infrastructure they already have in place, let alone take on new cloud-based services. So, while cloud-based services will depend on the US checking what is inside the bank server ultimately… With InvestGlass, which is a Swiss family-owned, Swiss hosted solution, we offer banks a unique opportunity to host the data on Swiss servers or even directly on their servers! We believe that the European and Swiss banking industry deserve embedded Finansiering løsninger på schweiziske servere. Det er den bedste måde at sikre, at hele den finansielle proces forbliver på servere, som du kontrollerer.

Hvad er fordelene ved cloud computing?

– Scalability. Scalability is the ability of a system to grow or shrink to meet the changing needs of its users. A cloud-based solution can easily be adapted to fit the needs of a growing organisation. – Cost-effectiveness. Cloud-based solutions are typically less expensive than traditional IT solutions, because businesses only pay for what they use. – Agility. Agility of fintech help retail banker til at bevæge sig hurtigt og nemt for at indføre nye teknologier og tjenester, som kan give dem en konkurrencefordel. Vi vil også se flere kunstig intelligens (AI) in the retail banking sector. Banks are using AI for a number of different purposes, such as improving customer service, fraud detection, and credit scoring. In 2022 is fintech’s demonstrating business profitability by providing genuine value so that their customers start paying for their services. – Mass customisation. Inspired from an author we love at InvestGlass – Mr. Joesph Pines

By implementing cloud computing in 2022, retail banks can react quickly to changes in the marketplace and create efficient, responsive, scalable and flexible solutions to replace on-premise infrastructure. With cloud services, smaller banks are now able to compete and drive innovation at a lower cost. Public, privat og hybrid cloud computing gør det muligt for detailbanker to reduce their operational expenses and offer more agile services to remain competitive in the future and embrace digital transformation. If you’re looking to build, run and scale your digital platform and workflows with ease, get in touch with our experts at InvestGlass CRM i dag ved at udfylde vores online kontaktformular her. Talk to our team today to learn more about the benefits of CRM til detailbankvirksomhed. Kom i gang med InvestGlass CRM i dag