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Digital Banks and Banking

The rise of data-driven, customer-centred models

Author: Lafferty Research

Publishing date: May 2018

Digital Banks and Banking: The rise of data-driven, customer-centred models

Report now available

All over the world, digital banking is emerging into a world where billions of people are comfortable operating entirely online and, in many cases, are growing up with a smartphone constantly in their hands. As internet access broadens, we are starting to see the fulfilment of Bill Gates' prophetic words about people needing banking, but not needing banks. Digital alternatives to the traditional retail banking model — some of them already profitable — are emerging from a wide range of sources, including microfinance, industrial conglomerates, entrepreneurs, former investment bankers, e-commerce platforms, and social media and messaging networks.

Digital Banks and Banking: The rise of data-driven, customer-centred models uses detailed case studies to explain these new business models, as new players and platforms enter the retail banking market with online-only offerings.

Featuring case studies from around the world
Our case studies look at the wide range of strategies, products and models that digital banking players are developing around the world, and include:
Banco Original, Coconut, Kudimoney, Line, MYbank, N26, Nequi, OakNorth, Paytm Payments Bank, Revolut, solarisBank, and Standard Chartered Bank Côte d'Ivoire.



Click here for sample content and case studies from Retail Banking-Fintech 2030.


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