{"id":4040,"date":"2018-01-11T14:07:29","date_gmt":"2018-01-11T14:07:29","guid":{"rendered":"https:\/\/www.b2econsulting.com\/?p=4040"},"modified":"2018-01-12T17:19:20","modified_gmt":"2018-01-12T17:19:20","slug":"the-future-of-retail-banking","status":"publish","type":"post","link":"https:\/\/www.b2econsulting.com\/the-future-of-retail-banking\/","title":{"rendered":"The Future of Retail Banking"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 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2025\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div style=\"clear:both;\"><\/div><\/section><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-widget-area fusion-widget-area-2 fusion-content-widget-area\"><style type=\"text\/css\">.fusion-widget-area-2 {padding:0px 0px 0px 0px;}.fusion-widget-area-2 .widget h4 {color:#3b4251;}.fusion-widget-area-2 .widget .heading h4 {color:#3b4251;}.fusion-widget-area-2 .widget h4 {font-size:14px;}.fusion-widget-area-2 .widget .heading h4 {font-size:14px;}<\/style><style type=\"text\/css\" data-id=\"tweets-widget-3\">@media (max-width: 800px){#tweets-widget-3{text-align:center !important;}}<\/style><section id=\"tweets-widget-3\" class=\"fusion-widget-mobile-align-center fusion-widget-align-center fusion-footer-widget-column widget tweets\" style=\"text-align: center;\"><h4 class=\"widget-title\">Recent Tweets<\/h4><style type=\"text\/css\">.fusion-content-widget-area #tweets-widget-3 .jtwt .jtwt_tweet:before, .fusion-footer-widget-area #tweets-widget-3 .jtwt .jtwt_tweet:before {color: #3c455a;}<\/style>\t\t\t<div class=\"twitter-box\">\n\t\t\t\t<div class=\"twitter-holder\">\n\t\t\t\t\t<div class=\"b\">\n\t\t\t\t\t\t<div class=\"tweets-container\" id=\"tweets_tweets-widget-3\">\n\t\t\t\t\t\t\t<ul class=\"jtwt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"jtwt_tweet\">\n\t\t\t\t\t\t\t\t\t\t<p class=\"jtwt_tweet_text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"arrow\"><\/span>\n\t\t\t<\/div>\n\t\t\t<div style=\"clear:both;\"><\/div><\/section><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-last\" style=\"width:66.666666666667%;width:calc(66.666666666667% - ( ( 4% ) * 0.66666666666667 ) );margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1000\" height=\"669\" title=\"Untitled design (7)\" src=\"https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7.png\" class=\"img-responsive wp-image-4041\" srcset=\"https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7-200x134.png 200w, https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7-400x268.png 400w, https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7-600x401.png 600w, https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7-800x535.png 800w, https:\/\/www.b2econsulting.com\/wp-content\/uploads\/2018\/01\/Untitled-design-7.png 1000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/span><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><style type=\"text\/css\"><\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:0px;margin-bottom:0px;\"><h1 class=\"title-heading-left\" style=\"margin:0;\"><h1 style=\"text-align: left;\"><span style=\"color: #505d7a;\">The Future of Retail Banking<\/span><\/h1><\/h1><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-1\" style=\"transform:translate3d(0,0,0);\"><p>13th January 2018 has been heralded as the date that the EU\u2019s second Payment Services Directive (PSD2) legislation will come into effect, but five of the nine major banks have been agreed extensions by the Competition and Markets Authority (CMA). We look beyond this uncertainty to consider how the retail banking system will look in 10 years\u2019 time.<\/p>\n<h3><span style=\"color: #505d7a;\">Digital Disruption<\/span><\/h3>\n<p>The basic principles of banking have remained relatively unchanged since their inception hundreds of years ago, and some of the most widely recognised banking brands have kept true to their original 17th century core concepts. \u00a0Interestingly, 5 of the oldest continuously operating banks worldwide were founded in the UK during this period.<\/p>\n<p>The digital revolution has transformed many sectors and the retail banking system is no stranger to this. This disruption looks set to continue and radical changes are afoot.<\/p>\n<h3><span style=\"color: #505d7a;\">Retail Banking as a source of information for non-banking solutions<\/span><\/h3>\n<p>The digital knowhow of the millennial generation is increasing the pace of technological change. These young adults are much more comfortable with sharing information online, which has increased transparency and helped sectors like the retail banking system improve the personal aspect of the customer experience on offer.<\/p>\n<p>This week, another huge change will come about with the implementation of the PSD2 directive. Whilst in some circles, the importance of \u2018Open Banking\u2019 was previously underestimated, it has since gained much more attention!<\/p>\n<p>In late 2017, I was privileged to meet with 2 of the top retail banks in the UK regarding Open Banking they both gave separate, but very similar ideas. Senior representatives mentioned a mobile phone application that allows consumers to seamlessly transfer funds to and from accounts held at other banks. To be honest this seemed trivial, irrelevant, low value and boring! There are many other opportunities ripe for implementation using bank data and open APIs, including the following:<\/p>\n<p>1.\u00a0\u00a0\u00a0 Validate the identity of individuals online (aiding many KYC\/AML checks).<\/p>\n<p>2.\u00a0\u00a0\u00a0 Verify a consumer\u2019s income levels instantly (disrupting and transforming the tenant background checking marketplace amongst others).<\/p>\n<p>3.\u00a0\u00a0\u00a0 Exploit machine learning to conduct vastly improved affordability checks for credit checks and other financial transactions \u2013 e.g. entering into a tenancy agreement (where currently relatively simplistic checks are conducted based on gross income).<\/p>\n<p>4.\u00a0\u00a0\u00a0 Enhance traditional methods of assessing credit worthiness to include behavioural evaluation (including mobile apps to track spending locations for instance).<\/p>\n<p>5.\u00a0\u00a0\u00a0 Use big data analytics to better understand risk (is a librarian earning \u00a327K pa better or worse risk than a recruitment consultant with a similar income level?).<\/p>\n<p>6.\u00a0\u00a0\u00a0 Deploy predictive analytics to help further combat fraud (\u201cGeorge, we noticed that your 83-year-old father is about to transfer \u00a330K to account xyz \u2026 does this sound right to you?).<\/p>\n<p>7.\u00a0\u00a0\u00a0 Allow Third parties to access individual users details without them having to provide login details for each transaction.<\/p>\n<p>8.\u00a0\u00a0\u00a0 Offer alternative, personalised financial deals and advice by analysing an individual\u2019s account details.<\/p>\n<h3><span style=\"color: #505d7a;\">Retail Banking and Payments<\/span><\/h3>\n<p>Whilst advances in payment technology have grown exponentially, there are also going to be casualties amongst older payments methods. The humble cheque was set for full deletion in 2017, but it now looks more likely that it will last for at least another 10 years. Payments UK stated that over 500m cheques were used in 2015, and despite a decrease in use, they are still a valued means of payment. Phasing out of cheques was also prevented by MPs who forced banks to reconsider. There is also believed to be a significant uptake of \u2018cheque imaging\u2019, which allows consumers to take a photograph of a cheque and send it to the bank via their own smartphone.<\/p>\n<p>Elsewhere, Direct Debit will continue to grow in the next ten years (in 2016 there were 4 billion transactions). Conversely, Standing Orders will continue to decline as have been steadily since 2007.<\/p>\n<p>In 2016 there were 1.2 billion transactions made through faster payments and a faster direct debit transaction \u201crequest for payment\u201d is due to be launched around 2020.<\/p>\n<h3><span style=\"color: #505d7a;\">Consumer Choice<\/span><\/h3>\n<p>In 10 years\u2019 time current account holders will change banks more frequently than today. There will be a wider range of products, services, and financial service institutions on offer to the consumer. However, despite the efforts of the regulator and the implementation of PSD2 the market is likely to evolve slowly.<\/p>\n<h3><span style=\"color: #505d7a;\">Consumer Trust<\/span><\/h3>\n<p>The use of direct debit, mobile banking and contactless credit\/debit cards, inevitably means we will see increasing trust levels by consumers. Therefore, mobile phone apps and other fintech products will inevitably replace physical credit cards.<\/p>\n<h3><span style=\"color: #505d7a;\">Retail Banking Competitive landscape<\/span><\/h3>\n<p>Banking processes and traditions are well established in the industry, and although open banking is believed to be a banking digital revolution of sorts, it is hard to predict with certainty that challenger banks (such as Starling, Monzo and Atom) will completely disrupt the sector beyond recognition. Therefore, we predict that it is most likely that the successful challenger banks will be acquired by established banks.<\/p>\n<h3><span style=\"color: #505d7a;\">Relationship between Retail and investment banking activities<\/span><\/h3>\n<p>Finally, I predict further action by the Bank of England to build on ring fencing to make retail banking even more independent of investment banking.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% ) * 0.33333333333333 ) );margin-right: 4%;margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-last\" style=\"width:66.666666666667%;width:calc(66.666666666667% - ( ( 4% ) * 0.66666666666667 ) );margin-top:0px;margin-bottom:20px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-2\" style=\"transform:translate3d(0,0,0);\"><blockquote>\n<p>About the author, George Elkington<\/p>\n<div class=\"fusion-text\">\n<p>George has worked on over 40 IT Consulting engagements spanning 30 years with typical leadership responsibility for 10,000 workdays annually. He worked at Deloitte and Accenture for many years before becoming the practice leader for SAP and IBM in 2013. George now works at B2E Consulting as a director of business development.<\/p>\n<\/div>\n<div class=\"fusion-sep-clear\">\u00a0<strong>Interests:<\/strong>\u00a0When George is not at work, he can be found cycling long distances up ridiculously steep hills \u2013 but his smile (mostly) remains in place.<\/div>\n<\/blockquote>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":4041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[110],"tags":[111,112,113],"class_list":["post-4040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-open-banking","tag-psd2","tag-retail-banking"],"_links":{"self":[{"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/posts\/4040","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/comments?post=4040"}],"version-history":[{"count":7,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/posts\/4040\/revisions"}],"predecessor-version":[{"id":4062,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/posts\/4040\/revisions\/4062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/media\/4041"}],"wp:attachment":[{"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/media?parent=4040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/categories?post=4040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.b2econsulting.com\/wp-json\/wp\/v2\/tags?post=4040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}