Latest Thought Leadership White Papers

Financial institutions across Europe will soon be introduced to new banking industry regulations – a proposal for a revised directive on payment services in the internal market, better known as Payment Services Directive (PSD2).

The PSD2 regulation is regarded by many as the single biggest change in the banking industry, as it will force banks to open their infrastructure to third parties. Many banks are concerned about this legislation, feeling exposed and under attack from new entrants, and positions customers in the driving seat.

But is PSD2 a threat to banks, or an opportunity?

This report highlights how a bank should prepare for PSD2, and how it can transform this banking industry regulation into an opportunity to become a leader in creating an open banking platform.

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Omni-channel banking: The digital transformation roadmap

Backbase & Efma, October 2015.

The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that’s on the radar of every banker.

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