Digitisation by merger alone won’t cut it

Cooperating with fin techs is only the first step

4. September 2017

Digitisation by merger alone won’t cut it

Cooperating with fin techs is only the first step

After introducing online banking in the recent past, many banks are now cooperating with fintechs – or taking them over wholesale. So, that’s digitisation settled, right? Well, no. Only when in-house working processes are digitised, financial institutes will be able…

Business without a home?

When the baker sells newspapers, the petrol station vends bread rolls and the drugstore provides loans

17. August 2017

Business without a home?

When the baker sells newspapers, the petrol station vends bread rolls and the drugstore provides loans

Everyone against everyone else, and everything everywhere at any time – this is a maxim of the market. There are more and more attempts to lend money other than via the banks. For banks this means: how to entice the…

Be assured that we will insure you!

InsurTechs: customized insurance cover via the smartphone

17. August 2017

Be assured that we will insure you!

InsurTechs: customized insurance cover via the smartphone

Not only the banking sector, but also the insurance world is in a state of upheaval – and here, too, it is digitization that brings new competitors into play, paving the ground for innovative products and business models. The parallels…

Progress? Not with us!

When employees slow down digitization

17. August 2017

Progress? Not with us!

When employees slow down digitization

Never change a winning team is a truly well-known phrase. But what happens to the team if no victories are gained and more and more trophies fall into the hands of competitors? Digitization inevitably poses a decisive challenge to the…

28. July 2017

PayPal – a nose ahead at the petrol pump

An Internet payment service poaching in extrinsic preserves

With Shell’s new app, you can now pay for your petrol directly at the petrol pump. Super convenient for drivers, but not for other financial institutions. Why has no other bank…

21. July 2017

Bitcoins – the development of digital currencies

Dollar and Euro, Yen and Renminbi are facing competition in the Internet

Coins, banknotes, cheques, the familiar forms of payment have repeatedly been confronted with competition, by cashless payment transactions, credit cards and subsequently online…

12. July 2017

Cheers, here‘s to digital banking!

Here’s how micro breweries and digital banking pioneers are related

Maybe the secrets of hidden economic mechanisms lie somewhere between ales and account movements, since there are some striking parallels between the global beer industry and the…

12. July 2017

An Opel from the Opel bank

Does anyone nowadays use traditional banks to get a loan to buy a car?

There was a time when people went to their bank and then to a car dealer. But the money needed has long been on offer elsewhere at more favourable conditions. Since the car…

11. July 2017

Could Facebook purchase a bank?

Fundamental upheavals cannot be ruled out in the world of finance

According to a recent survey, an increasing number of younger people, so-called digital natives, can imagine themselves doing their banking and insurance business directly with…

29. June 2017

The digital future starts now – but where are the bosses?

Study reveals an alarming lack of awareness

If you ask the right question, you might get surprising answers. A study by the personnel-consulting agency Heidrick & Struggles shows an alarming cluelessness among leading…

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