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The Future of Banking

其他書名	The Role of Information Technology
出版	Social Science Research Network, 2015
URL	http://books.google.com.hk/books?id=IlKaAQAACAAJ&hl=&source=gbs_api

註釋This article analyzes how information technology (IT) is transforming individual banks and the entire banking industry. Even though the basic economics of banking have not changed, IT developments may lure banks into transaction banking (due to IT-driven cost efficiencies). However, banks should not give up on relationship banking. Instead, banks need to adjust themselves to consumers' new preferences for IT-driven products and use IT developments to reconfigure or even reinvent relationship banking. Drastic changes are also imminent in banking due to the entry of FinTech startups and IT companies in traditional banking businesses. Government intervention and regulation give banks additional time to adjust.