【德意志银行】Deutsche Ban_FinTech_Whitepaper.pdf
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Deutsche Bank
FinTech 2.0
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FinTech 2.0:
Creating new opportunities
through strategic alliance
How nancial technology rms and digital ecosystems
can leverage banks’ core competencies through equal
partnerships, to innovate and grow in the B2B space
Deutsche Bank
Global Transaction Banking
The degree to which the payments industry has changed in just a decade is o
the scale. We’ve witnessed the arrival of new currencies, technologies, business
models and forms of transactions; all within an environment of global economic
upheavals and increasingly comprehensive regulation.
The most signicant change has been the arrival of new players; non-bank nancial
institutions (NBFIs) that bring a groundswell of innovation and are turning market
models on their head.
Digitalisation has come in overwhelming waves, driven by the growth of
e-commerce – rst in the B2C, and now the B2B space – and the proliferation of
smart devices. With it has come continuous innovation to meet the demand for
technologies that drive eciency, lower transaction costs and boost convenience.
Innovative and nimble new players – ntechs and digital ecosystems – have entered
the payments game, creating increased competition for already-pressured banks.
But without access to a client base, the expertise to navigate the regulations and
licensing of the nance industry, client condence, and robust global infrastructure,
these new entrants can only go so far on their own.
Collaboration between incumbents and new players will be essential to fully
comprehend the eects (both positive and negative) of technological developments
on the industry’s risk prole.
Disruption in payments will continue, with ongoing innovation shaping customer
behaviours, business models and the structure of the industry.
The time has come for one further change; a shift in mindset from one
of competition to collaboration. By exploring strategic partnerships, traditional
banking providers and new innovators can together create long-term success
and revolutionise the payments market and wider nancial sector for the
benet of all.
Executive Summary
This paper was possible thanks to the contribution
and expertise of Arthur Brieske, Thomas-Frank Dapp,
Kevin Garlan and Dr. Matthaeus Sielecki.
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