Coins stacked in a vault tray.

Нерушим ли традиционный банкинг?

НЬЮ-ЙОРК – В настоящее время, мало какая промышленность не рискует быть перевернутой цифровой технологией. Amazon, после чего поглотила книжные магазины, теперь осаждает остальную часть сектора розничной торговли. В секторе транспорта, Uber опережает традиционные компании предоставляющие услуги такси, в то время как Airbnb подрывает основы гостиничной индустрии. Между тем, смартфоны меняют способ, как мы общаемся и революционируем, как мы узнаем и поддерживаем бизнес.

Так что не удивительно, что банковские и финансовые услуги компаний не защищены от огромных преобразований, вызванных технологической инновацией. Действительно, за последнее десятилетие, цифровые стартапы проникли в области традиционно доминирующие в финансовом секторе. Но есть основания полагать, что финансирование докажет свою устойчивость.

Сегодня, деньги могут быть отправлены в другой конец страны – или мира – простым касанием приложения, без взаимодействия с традиционными компаниями по оказанию финансовых услуг. Только денежные переводы мигрантов, которые по оценкам Всемирного банка в этом году составят $586 млрд, представляют собой колоссальные возможности роста для компаний, конкурирующих с банками по перемещению денег.

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