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Stark choice for banks: Transform your business model or risk getting left behind

Stark choice for banks: Transform your business model or risk getting left behind

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Published by Accenture
To help banks make the right calls, Accenture has identified three horizons of change where technology can activate new banking business models. Explore the interactive website: www.accenture.com/technologythatmatters


To help banks make the right calls, Accenture has identified three horizons of change where technology can activate new banking business models. Explore the interactive website: www.accenture.com/technologythatmatters


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Published by: Accenture on Dec 10, 2013
Copyright:Attribution Non-commercial

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01/07/2014

 
Xokbjacamy tb`t i`ttors
B`rjossdjm tbo tokbjacamy w`vo dj l`jedjm
Oxokutdvo suii`ry
 
Bardzaj 0
Dipravo lusdjoss porgari`jko
Kro`to ` so`icoss, kajsdstojt kustaior oxpordojko
Xa lo trucy kustaior-kojtrdk, l`jes iust covor`mo tokbjacamy ta kro`to `jytdio, `jywboro l`jedjm sorvdkos tb`t `ro kajsdstojt `jh djtomr`toh `krass kb`jjocs. Xbds io`js iavdjm ta `j aijd-kb`jjoc kustaior oxpordojko, wboro kustaiors k`j b`vo ` so`icoss oxpordojko lotwooj staros `jh roiato kb`jjocs rom`rhcoss ag hovdko, `jh ovoj sakd`c pc`tgari. L`jes jooh ta oilr`ko tbds kb`jmo‘jat fust lok`uso kustaiors hoi`jh dt, lut `csa ta gojh agg tbo kaipotdtdvo tbro`t grai jow ojtr`jts.
Djkro`so ojm`moiojt tbraumb `j`cytdk kustaior oxpordojko
Xa i`eo tbo iast ag tbodr aijd-kb`jjoc k`p`ldcdtdos, l`jes sbauch kro`to ` ‒si`rt— kustaior oxpordojko tb`t oj`lcos tboi ta i`j`mo kustaior roc`tdajsbdps `t sk`co dj tbo hdmdt`c warch. Xbds io`js djgusdjm `j`cytdks `jh kustaior kojtrdkdty djta kustaior aggordjms. Oxpordojko sbaws tb`t kaildjdjm porv`sdvo `j`cytdks, ro`c-tdio i`reotdjm ojmdjo tokbjacamdos `jh `hv`jkoh iuctdkb`jjoc djtomr`tdaj k`j i`eo gar iaro ojm`moh, s`tdsgdoh `jh cay`c kustaiors. Dt k`j `csa haulco krass soccdjm r`tos, `jh rohuko kustaior kburj ly up ta 8> porkojt.
Kajjokt lusdjoss, tokbjacamy `jh apor`tdajs
Xa ro`cdzo tbo lojogdts ag tbodr si`rt kustaior oxpordojko, l`jes jooh `j ojtorprdso tokbjacamy tr`jsgari`tdaj, hovocapdjm jow lusdjoss iahocs tb`t `ro iaro `mdco, rospajsdvo `jh kustaior-kojtrdk tb`j ovor logaro. Co`hdjm l`jes `ro `cro`hy sb`pdjm ` grosb str`tomdk `mojh`‘hokaupcdjm ag hdstrdlutdaj `jh i`jug`kturdjm, kajgdmur`lco kaiiaj sorvdkos `jh gujktdajs, ojtorprdso `j`cytdks, kacc`lar`tdaj tokbjacamdos‘tb`t o`kb roqudro ` rdkb lcojh ag kurrojt `hv`jkoh kb`r`ktordstdks `jh jow djjav`tdajs. Djkro`sdjmcy, lusdjoss prakoss i`j`moiojt (L^I) ds lodjm usoh `s tbo krdtdk`c taac ta lrdjm tamotbor lusdjoss, tokbjacamy `jh apor`tdajs ta hrdvo ` kustaior-kojtrdk gakus grai ` i`tord`ccy cawor kast l`so.
[t`re kbadko gar l`jes6 Xr`jsgari yaur lusdjoss iahoc ar rdse mottdjm cogt lobdjh
L`jes g`ko ` st`re kbadko6 t`eo hokdsdvo stops ta tr`jsgari ta ` r`pdhcy kb`jmdjm warch ar rdse casdjm rovojuos, rocov`jko `jh roturjs. Xbo maah jows ds tb`t wbdco tokbjacamy ds p`rt ag tbo kb`ccojmo, dt k`j bocp hocdvor tbo sacutdaj. Dj g`kt, tokbjacamy oj`lcoh lusdjoss tr`jsgari`tdaj k`j bocp i`turo i`reot l`jes i`eo up twa tbdrhs ag tbo pragdt`ldcdty m`p tboy g`ko ta roturj iaro tb`j tbodr kast ag k`pdt`c.Xa bocp l`jes i`eo tbo rdmbt k`ccs, @kkojturo b`s dg dhojtdgdoh tbroo kb`jmo bardzajs wboro tokbjacamy k`j dipravo ar `ktdv`to jow lusdjoss iahocs.
 
Bardzaj <
Oxtojh lusdjoss iahocs ta jow i`reots
\otbdje, sdipcdgy `jh `utai`to ta oxp`jh sorvdko hocdvory
[aio <.? ldccdaj poapco warchwdho stdcc b`h ja gari`c l`je `kkaujt `s ag <>00. Xa k`pdt`cdzo aj tbo appartujdty ta sorvo jow kustaiors, l`jes jooh latb ta cawor tbo kast ag hdstrdlutdaj `jh `csa oxtojh hdstrdlutdaj loyajh kajvojtdaj`c kb`jjocs. Gar saio, tbds io`js rotbdjedjm tbo l`je lr`jkb usdjm tokbjacamy ta sdipcdgy `jh `utai`to kustaior sorvdkdjm. Gar atbors, ro`kbdjm jow kustaiors tbraumb ialdco l`jedjm `jh p`yiojts wdcc lo eoy. Odtbor `ppra`kb roqudros sdipco prahukts tb`t `ro o`sdor gar kustaiors ta ujhorst`jh `jh luy.
Guccy oxpcadt ialdco kb`jjocs ta djkro`so pragdt`ldcdty
Ialdco ds `j ospokd`ccy paworguc taac gar djkro`sdjm `kkoss ta gdj`jkd`c sorvdkos wdtbaut tbo bdmb kasts ag tr`hdtdaj`c djgr`strukturo. Xbo r`pdh mrawtb dj ialdco iajoy sorvdkos warchwdho ospokd`ccy dj oiormdjm i`reots, rogcokts tbo g`kt tb`t ialdco aggors ` iaro porv`sdvo `jh ro`hdcy-`v`dc`lco kb`jjoc tb`j l`jedjm djgr`strukturo dj i`jy kaujtrdos. @s ` rosuct, tboro `ro sulst`jtd`c `jh mrawdjm appartujdtdos gar ialdco gdj`jkd`c sorvdkos ta jow i`reots. ^`rtjordjm wdtb ialdco jotwares ta pravdho l`jedjm sorvdkos b`s oiormoh `s ` usoguc str`tomy gar k`pturdjm tbds i`reot appartujdty `t sk`co.
Hrdvo p`yiojts djjav`tdaj ta roi`dj rocov`jt
^`yiojts `ro tbo iast groquojtcy-usoh sorvdko aggoroh ly l`jes ta tbodr kustaiors. ]dtb tbo mrawtb ag o-kaiiorko, hdmdt`c iajoy, ialdco `jh sakd`c p`yiojts, p`yiojts— raco `s ` str`tomdk rovojuo paac gar l`jes ds ujhor `tt`ke grai jow ojtr`jts. Xa kaipoto wdtb tbo iyrd`h kaipotdtars `jh ojsuro tbodr p`yiojt sorvdkos roi`dj rocov`jt ta kustaiors, l`jes jooh ta iavo qudkecy ta hrdvo djjav`tdaj dj tbodr awj arm`jdz`tdajs, ware wdtb p`yiojts suppcdors ta `kkoss jow k`p`ldcdtdos, `jh/ar strdeo p`rtjorsbdps `raujh oiormdjm p`yiojt `ppra`kbos.
Bardzaj ;
Hovocap jow i`reots `jh jow lusdjoss iahocs
\o`cdzo v`cuo grai ldm h`t` `j`cytdks
Xokbjacamy b`s oj`lcoh `j or` ag tr`jsgari`tdvo djjav`tdaj dj lusdjoss iahocs `krass i`jy djhustrdos‘`jh l`jes `ro fadjdjm tbds trojh. Ajo ag tbo ldmmost appartujdtdos cdos dj usdjm `j`cytdks ta kro`to jow v`cuo grai h`t`. L`jes b`vo cajm looj co`hors dj usdjm djgari`tdaj ta io`suro `jh `j`cyzo rdse, lut b`vo agtoj strummcoh ta ro`cdzo v`cuo grai tbo i`ss ag h`t` tboy bach. Jaw r`pdh hovocapiojt ag ldm h`t` `jh `j`cytdks tokbjacamdos ds oj`lcdjm l`jes ta uso tbodr h`t` `s tbo pc`tgari gar jow lusdjoss iahocs, wbdco `csa t`edjm `hv`jt`mo ag jow h`t` saurkos.
Iavo ta tbo kojtor ag o`kb kustaior—s gucc okajaidk cdgo
Xbo kustaior—s okajaidk `jh gdj`jkd`c joohs ma w`y loyajh gdj`jkd`c prahukts `jh tr`js`ktdajs. Xbo hovocapiojt ag kaiiorkd`c `jh sakd`c okasystois‘dj wbdkb kaip`jdos cdje up djgari`tdaj `jh aggors `raujh tbo kustaior‘ds lcurrdjm tbo laujh`rdos lotwooj hdggorojt kustaior oxpordojkos `jh djhustrdos. L`jes k`j iavo ta tbo kojtor ag o`kb kustaior—s okasystoi ly t`edjm ` lra`hor `jh iaro  fadjoh-up vdow ag wb`t tbo kustaior joohs `jh haos, `jh p`rtjordjm wdtb atbor arm`jdz`tdajs tb`t dip`kt aj tbodr kustaiors— cdvos. Xbo autkaios k`j djkcuho jow rovojuo stro`is, djkro`soh kustaior ojm`moiojt `jh kbo`por kustaior `kqudsdtdaj.
Oxpcaro jow djtoriohd`tdaj iahocs
L`jes k`j `csa kro`to lusdjoss iahocs tb`t k`pdt`cdzo aj tbo oiormojko ag ` jotwareoh sakdoty `jh kacc`lar`tdvo kajsuiptdaj. Ajo ag tbo garoiast djst`jkos ds poor-ta-poor cojhdjm `jh gujhdjm sorvdkos, wboro tbo jotware pravdhos tbo djtoriohd`tdaj djsto`h ag tbo l`c`jko sboot. Ox`ipcos djkcuho krawhgujhdjm lusdjoss iahocs. Gar l`jes, tbo appartujdty ds ta uso poor-ta-poor tokbjdquos ta ojm`mo kustaiors dj jow w`ys‘sukb `s ly g`kdcdt`tdjm sakd`c ar jotware kajjoktdajs lotwooj kustaiors, r`tbor tb`j `s ` gdj`jkd`c djtoriohd`ry.
]b`t ta ha joxt6 sovoj stops
Dj tbo r`ko ta roludch roturjs `jh ta roi`dj rocov`jt ta kustaiors, tokbjacamy i`ttors iaro tb`j ovor.L`jes `ro g`koh wdtb ` kaipcox sot ag kbadkos dj rodi`mdjdjm tbo dip`kt ag tokbjacamy aj tbodr lusdjoss iahoc dj tbo hdmdt`c `mo. Xboy `csa iust kajsdhor gujh`iojt`c kb`jmos dj tbo w`y tbodr arm`jdz`tdajs gujktdaj, roiavdjm l`rrdors lotwooj lusdjoss `jh tokbjacamy awjors ta guccy oxpcadt jow tokbjacamy-oj`lcoh lusdjoss appartujdtdos.Xa ro`kb tbo rdmbt `jswors, @kkojturo locdovos tboy gdrst jooh ta gari ` vdsdaj `jh ` pc`j ta ro`cdzo dt, l`soh aj sovoj eoy stops.
0. Dhojtdgy `ro`s ag tbo lusdjoss wboro tokbjacamy-coh kb`jmo wdcc lo pragaujh,
 sukb `s kustaior oxpordojko, h`t` `jh djgari`tdaj ar sakd`c iohd`. Xboj ost`lcdsb mavorj`jko `krass tbo lusdjoss `jh tokbjacamy gujktdajs ta ujhorst`jh `jh pc`j gar tboso kb`jmos `jh kro`to tbo lusdjoss k`so.
<. Oxpcaro oiormdjm tokbjacamdos,
 djjav`tars `jh kustaior lob`vdar ta ujhorst`jh wb`t ds rocov`jt gar yaur lusdjoss.
;. Ludch skoj`rdas gar oiormdjm lusdjoss iahocs `jh hdsruptars
ta dhojtdgy wboro yau w`jt ta oxpordiojt, ojtor ar `vadh.
8. Ov`cu`to tbo hoi`jhs aj yaur oxdstdjm tokbjacamy `jh karo l`jedjm systois
 rosuctdjm grai djkro`sdjm tokbjacamy kb`jmo `jh jow lusdjoss iahocs.
?. Ludch ` jotware `iajm yaur p`rtjors, suppcdors `jh kustaiors
 ta m`dj jow djsdmbts `jh k`p`ldcdtdos `jh `kkocor`to djjav`tdaj.
7. Ost`lcdsb ` sb`roh vdsdaj gar tbo guturo ag tbo l`je
 `jh gar baw dt wdcc uso `jh i`j`mo tokbjacamy ta hocdvor lusdjoss v`cuo.
=. \o-arm`jdzo rospajsdldcdtdos `jh ropartdjm cdjos
 `jh ialdcdzo to`is `krass lusdjoss `jh tokbjacamy ta iavo grai vdsdaj ta oxokutdaj.

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