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收录时间:2018-09-05 16:01

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银行数字化是其持续发展的生存之道

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  Big tech’s threat to banking is no longer a headline.It is close to consensus.China is the clearest example:Tencent and Ant Financial absorbing huge parts of the payments market,and a new league of competition is in the making.
 
  科技巨头对银行业的要挟已不再是头条新闻。这已挨近达到一致。我国就是最显着的比如:腾讯(Tencent)和蚂蚁金服(Ant Financial)吸收了付出商场的巨大比例,一个新的竞赛集体正在构成。
银行数字化是其持续发展的生存之道
  Some investors are undervaluing banks and paying over the odds for shares in fintech companies that they think will supplant them.Dutch fintech group Adyen is due to float shortly at a price that would give it a valuation of up to 7.1billion euros.It posted net profits of 24.1million euros in the first quarter.By contrast,Spanish bank BBVA has a market capitalisation of 40 billion euros and net profits in the first quarter of 1.3billion euros.
 
  一些投资者正在轻视银行的价值,并为他们以为将替代银行的金融科技公司的股票付出过高的价格。荷兰金融科技集团Adyen不久将上市,取得至多71亿欧元的估值。该公司一季度录得净利润2410万欧元。相比之下,西班牙对外银行(BBVA)的市值为400亿欧元,第一季度净利润为13亿欧元。
 
  No doubt,the threat is out there.But at BBVA we have been trying to transform ourselves to meet the challenges of the digital age for more than a decade.
 
  毫无疑问,要挟是存在的。但在西班牙对外银行,咱们10多年来一直在尽力改动自己,以迎候数字年代的应战。
 
  Along the way,we have realised that some of banking’s core strengths—security,privacy and compliance—are not easily replicable and are increasingly significant,as we all learnt from Facebook’s tribulations.At the same time,we have learnt how to use technology to improve customer experience.
 
  一路走来,咱们意识到,银行的一些中心优势——安全、隐私和合规——是不容易仿制的,并且越来越重要,由于咱们都从Facebook的窘境中吸取了经验。一起,咱们也学会了怎么使用技能来改进客户体会。
 
  But the need to protect all forms of data against everything from cyberterrorism to customer exploitation has never been more acute.We are also starting to understand that data are an essential input with an impact on competition,and I believe this will lead to a crackdown on monopolistic behaviours by the big search and social media groups.
 
  可是,维护一切方法的数据、使其不受各种损害(从网络恐怖主义到使用客户)的需求,从来没有像现在这样火急。咱们也开端认识到,数据是对竞赛产生影响的一种重要投入,我信任这将导致监管组织冲击大型查找和交际媒体集团的独占行为。
 
  A new regulatory model is needed,one that understands the complexities of data and balances privacy,security and competition across sectors.As we develop one,the playing field between lenders that have adapted to digital on the one hand and tech and fintech companies on the other will become more level.
 
  咱们需求一种新的监管形式,它要了解数据的复杂性,平衡隐私、安全与跨行业竞赛。跟着咱们开展这种形式,已习惯数字化的银行与科技和金融科技公司之间的竞赛环境将变得愈加公正。
 
  Consumers will see the merit in having their data assets—whether financial or not—safeguarded within a trusted environment,but they will also benefit from a competitive and transparent market.Companies need to appreciate such changes.
 
  消费者将看到让自己的数据财物---无论是金融仍是非金融财物---在可信赖的环境中遭到维护的优点,但他们也将获益于一个竞赛和通明的商场。企业需求了解这种改变。银行需求在本身中心优势的基础上找到一种演化方法,以便最终使它们变得更相关,更能融入人们的日子。
 
  Big tech is extremely successful at building ecosystems:networks of interconnected products and services,and nodes that share data.They create huge volumes of interactions every year.Banking creates fewer interactions,but typically each one is of higher value.Making a transaction or buying a service is“worth”more than liking a friend’s photo or searching online.
 
  科技巨头在构建生态系统方面十分成功:由联网产品和效劳构成的网络,以及同享数据的节点。它们每年都会发明巨量的交互。银行业发明的互动较少,但一般而言,每次互动具有更高的价值。相比为朋友的相片点赞或在线查找,完结一笔买卖或购买一项效劳“更有价值”。
 
  The more we adapt to the digital age,the more clearly we see our opportunities.We have been preparing for more than a decade,making many mistakes but also learning from them.We are girding for the battle ahead:there is room for a reduced number of providers.
 
  咱们越是习惯数字年代,就能越清楚地看到咱们的机会。咱们已预备了10多年,犯了许多过错,但也从中吸取了经验。咱们正在为未来的战役做预备:商场上只能包容更少的提供商。
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