Efma ：2020年世界金融科技报告（英文版）（36页）.pdf

1、WORLD FINTECH REPORT 2020 2 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 Pandoras box of customer expectations. Can banks compete? 6 Why collaboration counts: FinTechs specialized tools and expertise can e

2、mpower 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

3、 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

4、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 TABLE OF CONTENTS World FinTech Report 2020 Its now or never. ? inaugural World FinTech Report in 2017. Fast forward to the World FinTech R

5、eport 2020 and the imminent Open X, a multi-sectoral open platform era maximizing the eXperience, and the harsh reality is that FinTechs ? startups are struggling to retain and acquire new customers. ? BigTechs and agile challenger banks, consumer expectations are changing in real time. To keep pace

6、, incumbents must embrace Open X and become Inventive Banks, prepared to adopt specialized open ? No longer simply disruptors, FinTechs have matured to become respected, global players with robust ? formidable competitors or enabling allies. Most banks understand that a positive last-mile experience