The Emergence of a New Banking Model

The banking sector has changed dramatically since the financial crisis. Stricter global regulations and financial legislation have increased the level of capital, shrinking the profitability of the investment and lending activities, lowering leverage and revenues.

At the same time, a long period of ultra-low and, in some areas, negative interest rates have left banks struggling to accelerate their deposit base growth given the increasing competition, lower margins, and new customer behaviours.

This white paper discusses how banks should prepare for a new business ecosystem driven by the financial technology revolution. Furthermore it discusses ways in which the industry can adapt to the regular disruptions it faces by adopting new banking models.