凯捷：2020年全球金融科技报告( 英文 36页)

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TABLE OF CONTENTS

Preface 3

Executive summary 4

Banks must board the last train to relevancy – the Open X express 6

BigTechs and challenger banks have opened a Pandora’s box of customer

expectations. Can banks compete? 6

Why collaboration counts: FinTechs’ specialized tools and expertise can empower banks 7

Open banking was just the beginning 8

The last mile is merely the visible result of customer experience 12

But behind the scenes, middle- and back-office operations affect customer perception 12

Back-end transformation can be a bumpy ride – avoid potholes with collaboration

by design 14

FinTechs offer innovative enhancements for middle and back offices 16

Structure is essential for bank/FinTech partnership effectiveness 19

The disappointing reality of many bank/FinTech partnerships 19

Effective collaboration requires people, business, and process maturity – on both sides 21

Players that collaborate at scale to industrialize innovation will shine within the

Open X sharing economy 25

Appendix 28

Methodology 32

About Us 34

Acknowledgements 35