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Mind the Politics报道10.31 | 未来银行预测: 开放式银行大势所趋




Victor Rivera先生是瑞麟集团银行业务总监,他将会为广大投资者提供全球政治对经济影响的解析。




简介 Introduction





Earlier this month, in October 2018, the Company’s representatives have visited the PayExpo conference in London. Inspired by what we have seen, we want to share our experiences and guide you through the changes the financial sector will face in the coming years. Fintech industry represents new technologies and innovations aimed to challenge the traditional banking industry by fulfilling the needs of the new market that prefers higher costumer experience and instant services, other than the older market that used to rank high a strong balance sheet and a long-term relationship with a branch manager. As PwCreports, 77% of respondents in industry globally believe that in next three to five years businesses internal innovation efforts will increase, resulting into better services available for the customers.



未来银行业的变形 Shaping the banking future


你们可能都听到过这些金融科技新星像Revolut, Monzo, N26 或者 Curve。他们都有同样的目标 – 让你的日常付款变得更简单,更快捷以及有非常好的用户体验,这当然让传统银行受到威胁。他们成功的秘诀(例如Revolut有2百75万用户,Curve新的支付捆绑业务拥有超过1百万客户,以及Monzo要追加将近5千万美金的资金)是你可以在手机上直接开户,仅仅需要几分钟和几张你的ID照片。并且Curve可以做到只需一张卡便可以联结你所有其他的银行卡- 因为平均每个人都会有几张银行卡 - 这一定会让你的生活变得更加便捷简单。



You have all probably heard about such giants of the fintech industry like the EU-based Revolut, Monzo, N26 or Curve. They are united by a common goal, - making your everyday payments easier, faster and with an outstanding costumer experience, it results in traditional banks becoming nervous. The secret of their success (e.g. Revolut has 2.75 million users, Curve the re-bundling of payments has more than 1 million clients and Monzo is close to raise $50 million) is that you can open your current account on your phone, just in a matter of a few minutes and a couple of pictures of your ID and face. Moreover, with Curve you will need just one card to unite all your other traditional banking accounts – and as an average person usually carries several – it will definitely make your life easier.


这些软件没有实体店以及传统银行的成本,他们可以将这些资源运用到提升和创新他们的客户体验上。 N2的Alexander Weber 在PayExpo峰会上明确说道 ‘我们希望客户是因为他们的体验以及我们简化他们的生活而钟爱我们,我们对为客户提供积分或利息不感兴趣’。


As these apps do not have physical consumer branches and all the costs of an old-styled bank, they can dedicate resources to improve and innovate their costumer experience. As clearly said by Alexander Weber of N26 at the PayExpo conference, “we want our clients to love us because of their experience and because we make their live easier, we are not interested in paying for clients with points or interest rates”.


这些软件吸引了大量的年轻专业人士和科技爱好者,并帮助了很多旅行者。这些新型金融科技公司的基础点是为用户提供很好的汇率以及免去取款时的手续费,有时候这可以帮你节省2-3%的费用。事实上,约有87%的人更倾向于这种金融科技方式,但很多目前仍然受到一些限制 – 例如地理,政府,当然,需要取得相关执照允许。


Not only these apps attract young professionals and technology-orientated enthusiasts, they also help travelers. One of the cornerstones of the new fintech start-ups is to provide users with very good foreign exchange rates and zero-commission ATM withdrawals, which will save you 2-3% in some cases. In fact, about 87% of people would prefer fintech style of banking, but many still face restrictions – such as geography, government positions and, of course, the need for substance in order to acquire a license.




Interestingly, in the discussions with PwC about 60% of bankers acknowledged that products related with personal finance are at risk of losing clients because fintech companies presents products with intuitive product design, are easy to use, 24/7 accessible and faster.


行业元老  Old good players



Therefore, it is not a surprise that while these EU-based start-ups are now looking to expand further, solving at least a geographical restriction, with the US and Canada being the priority destinations, other international companies are trying to follow up with the changes. Big international banks such as J. P. Morgan and Goldman Sachs are developing their own mobile platforms and Chinese payment companies such as UnionPay and AliPay are gaining momentum in their approach to enter the EU market. In October 2018, UnionPay will start issuing its virtual prepaid banking cards in the UK, and this company has already gained more than 60% of market share in all major economies of the EU.





While Chinese companies enter the market, they will face some challenges, as, for example, not all of the EU retailers are accepting their apps and QR codes are not really popular in EU. However, the fact is that with QR codes you can pay off-line, and that it is cheaper, so we might see it in the future, especially, as Chinese tourists spend the most on shopping, it is important for them to be able to use efficient payment platforms. That is why Chinese nationals may find themselves using fintech start-ups (if they reside in the EU or visit the Union frequently enough) as it is hard for them to open an actual bank account, while fintech industry follows less regulations.


开放式银行 Open Banking

对这些初创金融科技公司来讲,前路从未如此光明过,因为英国和欧盟最近出台了关于开放式银行的法规(欧盟支付服务修订法案)。这个法案使得银行对第三方服务方开放用户数据(在用户允许的情况下)合法化 – 这将允许客户分享他们的数据,比较账户,使用新的产品,更重要的是能管理用户的财务信息,因此用户能很好的计划以及做出明智的决定。当然无可厚非的是客户可以在任何时间选择停止其数据的分享。

The future has never been brighter for such fintech start-ups, as the UK and the EU have recently introduced so-called Open Banking regulation (PSD2 in the EU). This regulation makes it legal for standard banks to share the user's data (if a user agrees) with the third-party services providers (Fintech) – allowing customers to share their data, compare accounts, access new products, but more importantly, to get the user’s financial information organized, so the user can plan and make smarter decisions. Not to mention that the user can stop the access of its data at any time.




As Yves Mersch, Member of the Executive Board of the ECB said in February 2018, Open Banking’s objective is to foster innovation and enhance competition. Small business will benefit hugely due to the Open Banking regulation, as it will allow business owners to keep track of all the payments and services at one place, which will save time dedicated for bookkeeping, and will free resources to concentrate on what really matters. Moreover, at some places banking branches are simply out of reach, and by using fintech apps small business owners in the remoted areas will allow for more sustainable growth.




However, many people still do not even know about the Open Banking initiative and how it works. It is important for the governments and companies to market these developments properly and responsibly, allowing customers to do the proper research before choosing a right fintech company and deciding whether to share their data or no.




One way or another, the UK pushed the hardest for this initiative to be passed in the EU, and the government is likely to increase its support for the initiative after Brexit, which promises an opportunity to grow faster for companies in the UK.


如何理解呢 – 这一政策就好比对于一个电信公司来说,一个用户能够在手握电话的同时更改他/她的电信服务供应商。


How one can put it – This policy might bring the same impact that the Telecom industry faced when a user could hold on to the phone number while changing its telecom service provider.


总结 Final remarks



In conclusion, for those who are interested in payments and multi-currency accounts, the good old days of having an account at a bank with a strong balance sheet and a trusted branch manager are over. More importantly, the days were you had to download the app of your bank to do things remotely, but having to call the branch or support service because the app did not fulfill your needs are over too. The future of banking is where you can open a bank account in minutes, manage your account via AI bots that are trained perfectly for customer service and not paying ridiculous fees for things you do not use, while having very good fees if converting your currencies.




We expect to see in Europe big developments in the financial industry during the next two or three years, with people shifting towards user-friendly fintech start-ups, and traditional banks re-evaluating their value proposition.




The banks will remain, but the market share pie will be cut by more players, and it will provide us with good competition, resulting in better and more innovative financial products.








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