凯捷：2018年世界金融科技报告 （英文版 68页）

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Contents

Preface    4

Executive Summary   8 

FinTechs Are Redefining the Financial Services Customer Journey    13

Competition and Rising Expectations Spur Customer-Centricity Push14

– Identify gaps left by traditional Financial Services providers and explore changing customer expectations.   

Emerging Technologies Enable Customer Journey Transformation   19

– Data and insights are reshaping personalized experiences through automation and distributed ledger technology 

Alignment with Customer Goals, Creation of Trust, and Delivery of Digital, Agile, and Efficient Processes Are Catalysts for Success     27

The Symbiotic Relationship between FinTechs and Traditional Financial Institutions    35

– Maintaining and accelerating scale is a common FinTech firm struggle, so the right collaboration partner is critical. Finding the Right Partners for Collaboration Is Essential    44

– A partnership ecosystem of FinTechs, incumbents, and other vendors fosters a win-win for stakeholders. FinTech and Incumbent Firms’ Respective Competitive Advantages and Shortcomings

Make Collaboration a Logical Fit    36

– Selection of the appropriate engagement model boosts FinTech scale-up efforts. Successful Collaboration Requires Commitment and Agility from FinTechs and Incumbents 49

The Path Forward: An Impending Role for BigTechs?    60

– BigTechs could have massive impact on the Financial Services industry.