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Bye Bye Banks?: How Retail Banks are Being Displaced, Diminished and Disintermediated
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Tech companies have disrupted retailing, media, transit and travel. Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a 'Beta Bank': a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. "This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing." - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group "James Haycock is a key voice for how the banking industry should and will change." - Tom Hopkins, Product Innovation Director, Experian Consumer Services "If you are an incumbent retail bank, read it, get on with it, make it happen." - Lee Sankey, former Group Design Director, Barclays
- Sales Rank: #322997 in Books
- Published on: 2015-06-29
- Original language: English
- Number of items: 1
- Dimensions: 8.50" h x .31" w x 5.51" l, .38 pounds
- Binding: Paperback
- 130 pages
Most helpful customer reviews
1 of 1 people found the following review helpful.
Let's read this book in 3 years
By JORGE RUIZ
Fintech is moving very fast, change is coming our way and bankers need to act bold. Bold is also evolving, fast. This books brings the principles of how finance will be disruptive, anyone within the financial industry should read this and realize than 3 years from now banking will be very different, maybe even faster than that. This is happening everywhere, this is not a developed economy theme. "Revolutionary knowledge", should become the path for everyone in an industry that is yet to be disruptive .. Finance is one of them, good book.. @jorge_a_ruiz
1 of 1 people found the following review helpful.
A changing financial world
By Roger G Leblond
This is a great book that attempts to explain what is going on with the banking industry, banking customer behavior and technology changes. These topics are explained very well and to bankers and banking staff they could difficult to understand. The biggest impact will be to the banking industry. Unfortunately, the quagmire the industry is in will be difficult to navigate through this quagmire and it will have major turmoil to the various organizations.
A great read
0 of 0 people found the following review helpful.
Ok but...
By Amazon Customer
There are many good points covered in this book but I feel it’s too rooted in a banker’s perspective. The authors’ survey what’s out there or in development to attract people away from traditional banks? With the exception of blockchain and P2P lending I don’t see any of the ‘innovations’ being developed by non-banks as ‘killer apps’ which would compel me to make radical changes to how I interact with banks on a day to day basis.
But beyond day to day banking my motivation to change is still quite strong and stems from what I think are compelling reasons to avoid banking in its current state.
My concerns with current banking are:
• Safety
• Reward for risk
• Security of personal information.
One of the traditional functions of money is that it has been a safe way of holding a portion of one’s wealth. However from the GFC, we know how perilously close some banks came to collapse and in the case of Cyprus foreign account holders took a haircut on their deposits to preserve the liquidity of the banks. Since the GFC, these provisions have become reasonably common internationally and could be invoked should another crisis occur.
So if bank deposits aren’t as safe as we thought then why are interest rates so low? Interest was traditionally seen as a reward for risk and for postponing consumption into the future. But since the GFC we have seen interest rates decline to near zero and cheap credit has led to massive inflation in the price of housing in many countries. Should interest rates rise, many mortgages will be in default, endangering the liquidity of banks again.
Furthermore, where I live there is no explicit guarantee on bank deposits. So depending on your perspective of risk, the safer option in a low inflation, near zero interest rate environment might be to avoid using bank deposits and explore other options (including a safe).
This book makes some interesting points about the culture and legacy systems of traditional banks holding back progress but to me the most important point is that most system ‘innovation’ is to meet the changing regulatory environment, not to meet customer needs. Ultimately this is deadweight on the banks and their customers.
For example, in order to open an account at an Australian bank I was presented with 5 forms totalling over 50 pages. It took 2 hours with a banking official on an international call to complete them to the satisfaction of whom? The bank was compelled to force me to do this because of anti- money laundering regulation, but the effort required did not endear me to modern banking but to wonder how information irrelevant to my banking needs is being used by others?
Just before you think I’m descending into paranoia, my primary bank handled over all the banking records of an environmentalist to the police without any warrant. In a subsequent court case this was ruled to be totally illegal – they will need a warrant next time.
For this reason I would have liked more information on ‘blockchain’ developments as I think these are crucial to the development of real banking alternatives that would satisfy my needs.
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