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1、GlobalBankingPracticeCuttingThroughtheFinTechNoise:MarkersofSuccess,ImperativesForBanksCuttingThroughtheFinTechNoise:MarkersofSuccess,ImperativesForBanksIntroduction1TheFinTechMoment2FinTechAttackers:SixMarkersofSuccess5Banks:SixDigitalImperatives8CuttingThroughtheFinTechNoise:Markersof
2、Success,ImperativesforBanks1IntroductionSiliconValleyiscoming.Therearehundredsofstart-upswithalotofbrainsandmoneyworkingonvariousalternativestotraditionalbanking.–JamieDimonBankinghashistoricallybeenoneofthebusinessmodel.Inrecentdecades,businesssectorsmostresistanttodis-bankswerealsohel
3、pedbythetwintail-ruptionbytechnology.Sincethefirstwindsofderegulation,aperiodusheredmortgagewasissuedinEnglandintheinbytheDepositoryInstitutionsDeregu-11thcentury,bankshavebuiltrobustlationActof1980(DIDRA),anddemo-businesseswithmultiplemoats:ubiqui-graphics(e.g.,thebabyboomgenerationtou
4、sdistributionthroughbranches,comingofageandenteringtheirpeakuniqueexpertisesuchascreditunder-earningyears).Intheperiodbetweenwritingunderpinnedbothbydataand1984and2007,U.S.bankspostedaver-judgment,eventhespecialstatusofagereturnsonequity(ROE)of13%.Thebeingregulatedinstitutionsthatsupply
5、lastperiodofsignificanttechnologicalcredit,thelifebloodofeconomicgrowth,disruption,whichwasdrivenbythead-andhavesovereigninsurancefortheirli-ventofcommercialInternetandthedot-abilities(deposits).Moreover,consumercomboom,providedfurtherevidenceofinertiainfinancialservicesishigh.Con-there
6、silienceofincumbentbanks.Inthesumershavegenerallybeenslowtoeight-yearperiodbetweentheNetscapechangefinancialservicesproviders.Par-IPOandtheacquisitionofPayPal(oneofticularlyindevelopedmarkets,con-thewinnersofthisera)byeBay,moresumershavehistoricallygravitatedthan450attackers–newdigitalc
7、urren-towardtheestablishedandenduringcies,wallets,networks,etc.–attemptedbrandsinbankingandinsurancethattochallengeincumbents.Fewerthanfivewereseenasbulwarksofstabilityeveninofthesesurviveasstand-aloneentitiestimesofturbulence.today.Inmanyways,PayPalistheex-ceptionthatprovesthe
