凯捷：2019全球零售银行报告( 36 页)

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TABLE OF CONTENTS

Preface 3

Executive summary 4

Customers demand a more comprehensive and personalized banking experience, but banks struggle to deliver a delightful last-mile experience 6

Non-traditional firms are redefining the financial services paradigm by exploring beyond traditional notions of banking products 9

Open banking can help close customer experience gaps but is characterized by false starts and missed expectations 12

Leapfrogging to Open X 14

1. A new mindset can turn open banking false starts into Open X victory laps 14

2. Open X collaboration will require banks to strategically evolve as inventive banks 15

Strategic collaboration and traditional strongholds can give banks a decisive lead in the Open X era 26

Traditional bank strongholds are competitive enablers that are difficult for new entrants to replicate 28

Methodology 30

About Us 32

Acknowledgements 34