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Bye Bye Banks?: How Retail Banks Are Being Displaced, Diminished and Disintermediated by Tech Startups and What They Can Do to Survive Tapa blanda – 29 Junio 2015

de James Haycock (Author), Shane Richmond (Contributor)
4.2 4.2 de 5 estrellas 144 calificaciones
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Tech companies have disrupted retailing, media, transit and travel. Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a 'Beta Bank': a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. "This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing." - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group "James Haycock is a key voice for how the banking industry should and will change." - Tom Hopkins, Product Innovation Director, Experian Consumer Services "If you are an incumbent retail bank, read it, get on with it, make it happen." - Lee Sankey, former Group Design Director, Barclays
Diapositiva anterior de detalles del producto
  1. Número de páginas
    107 páginas
  2. Idioma
    Inglés
  3. Editorial
    Lightning Source Inc
  4. Fecha de publicación
    29 Junio 2015
  5. Dimensiones
    5.5 x 0.5 x 8.25 pulgadas
  6. ISBN-10
    0993220649
  7. ISBN-13
    978-0993220647
  8. Ver todos los detalles
Siguiente diapositiva de detalles del producto

Detalles del producto

  • Editorial ‏ : ‎ Lightning Source Inc (29 Junio 2015)
  • Idioma ‏ : ‎ Inglés
  • Tapa blanda ‏ : ‎ 107 páginas
  • ISBN-10 ‏ : ‎ 0993220649
  • ISBN-13 ‏ : ‎ 978-0993220647
  • Dimensiones ‏ : ‎ 5.5 x 0.5 x 8.25 pulgadas
  • Opiniones de clientes:
    4.2 4.2 de 5 estrellas 144 calificaciones

Opiniones de clientes

4.2 de 5 estrellas
144 calificaciones globales

Opiniones destacadas de los Estados Unidos

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MichaelR
5.0 de 5 estrellas Great book
Calificado en Estados Unidos el 6 de octubre de 2018
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Very interesting book.
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John Prout
4.0 de 5 estrellas Change is coming to banking
Calificado en Estados Unidos el 31 de enero de 2019
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A short but informative read about the changes which are coming to banking, where new startups are taking on the big banks by going after small but profitable parts os the banking business.

My only criticism of this book is that it's focused on regulatory changes happening in the UK and Europe (PSD2); I'd like to know more about similar regulatory changes either happening or proposed in the USA.
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CJM
5.0 de 5 estrellas Five Stars
Calificado en Estados Unidos el 15 de febrero de 2016
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Nice read and timely delivery.
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Kindle Customer
3.0 de 5 estrellas Ok but...
Calificado en Estados Unidos el 25 de mayo de 2016
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There are many good points covered in this book but I feel it’s too rooted in a banker’s perspective. The authors’ survey what’s out there or in development to attract people away from traditional banks? With the exception of blockchain and P2P lending I don’t see any of the ‘innovations’ being developed by non-banks as ‘killer apps’ which would compel me to make radical changes to how I interact with banks on a day to day basis.
But beyond day to day banking my motivation to change is still quite strong and stems from what I think are compelling reasons to avoid banking in its current state.
My concerns with current banking are:
• Safety
• Reward for risk
• Security of personal information.

One of the traditional functions of money is that it has been a safe way of holding a portion of one’s wealth. However from the GFC, we know how perilously close some banks came to collapse and in the case of Cyprus foreign account holders took a haircut on their deposits to preserve the liquidity of the banks. Since the GFC, these provisions have become reasonably common internationally and could be invoked should another crisis occur.
So if bank deposits aren’t as safe as we thought then why are interest rates so low? Interest was traditionally seen as a reward for risk and for postponing consumption into the future. But since the GFC we have seen interest rates decline to near zero and cheap credit has led to massive inflation in the price of housing in many countries. Should interest rates rise, many mortgages will be in default, endangering the liquidity of banks again.
Furthermore, where I live there is no explicit guarantee on bank deposits. So depending on your perspective of risk, the safer option in a low inflation, near zero interest rate environment might be to avoid using bank deposits and explore other options (including a safe).
This book makes some interesting points about the culture and legacy systems of traditional banks holding back progress but to me the most important point is that most system ‘innovation’ is to meet the changing regulatory environment, not to meet customer needs. Ultimately this is deadweight on the banks and their customers.
For example, in order to open an account at an Australian bank I was presented with 5 forms totalling over 50 pages. It took 2 hours with a banking official on an international call to complete them to the satisfaction of whom? The bank was compelled to force me to do this because of anti- money laundering regulation, but the effort required did not endear me to modern banking but to wonder how information irrelevant to my banking needs is being used by others?
Just before you think I’m descending into paranoia, my primary bank handled over all the banking records of an environmentalist to the police without any warrant. In a subsequent court case this was ruled to be totally illegal – they will need a warrant next time.
For this reason I would have liked more information on ‘blockchain’ developments as I think these are crucial to the development of real banking alternatives that would satisfy my needs.
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JORGE RUIZ
4.0 de 5 estrellas Let's read this book in 3 years
Calificado en Estados Unidos el 2 de agosto de 2015
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Fintech is moving very fast, change is coming our way and bankers need to act bold. Bold is also evolving, fast. This books brings the principles of how finance will be disruptive, anyone within the financial industry should read this and realize than 3 years from now banking will be very different, maybe even faster than that. This is happening everywhere, this is not a developed economy theme. "Revolutionary knowledge", should become the path for everyone in an industry that is yet to be disruptive .. Finance is one of them, good book.. @jorge_a_ruiz
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Roger G Leblond
5.0 de 5 estrellas A changing financial world
Calificado en Estados Unidos el 27 de agosto de 2015
This is a great book that attempts to explain what is going on with the banking industry, banking customer behavior and technology changes. These topics are explained very well and to bankers and banking staff they could difficult to understand. The biggest impact will be to the banking industry. Unfortunately, the quagmire the industry is in will be difficult to navigate through this quagmire and it will have major turmoil to the various organizations.
A great read
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Mirek
4.0 de 5 estrellas I like it
Calificado en Estados Unidos el 1 de junio de 2016
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unfortunately I do agree with the author ;-( I found in the book many interesting examples and will refer to them in the future.
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Stephane Canon
4.0 de 5 estrellas Four Stars
Calificado en Estados Unidos el 21 de agosto de 2015
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Good summary of changing trends in Finance.
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Opiniones más destacadas de otros países

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Sourabh Kumar
5.0 de 5 estrellas Very good summary of future of banking and fintech revolution
Calificado en India el 25 de septiembre de 2016
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Great book especially the evolution of beta banks.
It addresses the competition faced by banks with fintech specialist companies driven by client convienience and bring down cost per transaction
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Caio Henrique Konyosi Miyashiro
5.0 de 5 estrellas Very Good
Calificado en Brasil el 10 de febrero de 2016
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This book is really interest for someone working at the main world banks, as it inspires to think outside the box and prepare for the not-so-long fintech revolution. It presents in a clear way why banks are used to ignoring new fintech start-ups and why this scenario has to change, for the good of both sides, banks and start-ups.
If you want to know how this "fight" is going to be, and want to take part of it in some way, this is the book for you.
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BizDas
4.0 de 5 estrellas The book provides a good perspective on the future of financial services
Calificado en Canadá el 3 de enero de 2016
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This is a short book that can be read in 2 hours and is based on interviews and group discussions with senior financial executives. The book provides a good perspective on the future of financial services, and how customer behavior and technology changes are shaping the banking industry. It creates a sense of urgency and sends a message to the banks that they need to adapt or be prepared to be disrupted by technology companies. The author talks about a three-stage scenario that is underway: Displaced, Diminished and Dis-intermediate. The authors propose incumbents to launch a 'Beta Bank' - a fresh start, redesigning a bank from the ground up. The beta bank needs to be different from the parent bank with a different HQ and independent leadership. If you are a banking executive, give it a read.
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p.a.goad
5.0 de 5 estrellas Concise, insightful and prescient
Calificado en el Reino Unido el 20 de marzo de 2016
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Every senior banking Exec should read this book. It takes you through a broad sweep of what's happening in cutting edge consumer Financial Services. Then rather than revelling in technological fetishism it clearly and calmly sets out the likely path of change for incumbents. It is sobering reading, however if anything it is perhaps not alarmist enough to capture the tsunami of change, that many believe is about to engulf the industry. I'd say any incumbent not already engaged in creating a beta company is about to have it's Kodak moment.
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Amazon Customer
5.0 de 5 estrellas Great short book
Calificado en España el 16 de diciembre de 2015
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Great book, very concise and very aligned with the general thoughts on where the banking is going. Living it! :)
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