Galytix

2022年7月1日

ICT 2022年春季:擁抱創新在銀行由新技術接受跨不同行業,金融服務業不能忽視未來的變化。新技術可能會改變傳統的商業模式銀行業。這是一個主題貫穿ICT討論2022年的春天。地方分權和數據共享未來作為ICT的一部分,2022年春季,fintech高議程強調的一些機遇,挑戰,科技可以帶來。和大變革即將到來。負責人吉恩博士Hilger Finnovation中心大學的盧森堡,指出,當前模型垂直整合銀行不會依然存在。有兩個理由:“第一,技術允許我們組織分散的金融業務。其次,銀行將最終需要共享數據和情報數據——在自己和與消費者的世界。”和技術,將使這種轉變對分散的銀行和數據共享將帶來許多機遇,包括降低成本——例如通過智能自動化活動合同,改善客戶體驗。通過分散模型發展,數據共享和訪問了消費者,所有麵向客戶的操作將數字平台。 These will provide customers with a seamless user-experience across all aspects of banking and will put more control into their hands. New technologies put power in the customer’s hands This idea of empowering customers through personalised investment products was also discussed during a roundtable featuring UBS, Mirabaud & Cie and fintech startup, Galytix . Henrich Baer, Country Head of UBS Luxembourg highlighted that the way communication between banks and their clients is changing. Thanks to new technologies that enable them to take control of their own investment portfolios, clients are now able to decide how they want to interact with banks. This is leading banks to take on a more advisory role, and to offer a personalised approach. Jeff Mouton, CEO of Mirabaud & Cie also highlighted the opportunity new technology presents in helping to improve customer experience. “For us, the most important element is how we can get more face-to-face time with clients.” They are rolling out a fully integrated platform that reduces the amount of data handling required and are investing in AI-driven automation for things such as transaction monitoring. By removing the manual elements of these activities, their staff can spend more time with customers. Tips for the future So how should banks and financial services providers embrace innovation? According to Baer, companies should continue to disrupt themselves and do it fast. UBS take the view that companies should “fail fast, therefore fail cheap, and learn a lot.” Mouton advises companies to focus. “Don’t chase every innovation”, only the ones that make sense for your company. And Raj Abrol, Co Founder and CEO of Galytix finished by suggesting companies should not get obsessed with Big Data. “Big Data is important, but not ‘Too Big Data.’ Start by leveraging the data you’ve got.”