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The bank of tomorrow operates globally and takes care of its customers locally. It offers its customers all financial services under one roof and cooperates with a variety of other service providers who focus on individual services. The bank knows its customers very well. Reliability and customer credit worthiness will be determined not only from current status but also from the customers past, plans for the future and the environment will all be calculated into the risk assessment. External sources of information provide important additional information. Corruption and scams no longer remain undetected but are automatically recognised and forwarded for review to an investigator.
Challenges:
Developments in the financial sector will continue to be very competitive. The standardisation and optimisation of business processes and IT infrastructures form the basis for the integration of external services and flexible outsourcing of processes and infrastructure. In the future, offers that are customised for the individual will be presented to customers. New contemporary store concepts will form the basis for lasting customer relationships. Data analysis and sophisticated knowledge management can help to proactively evaluate the risks of increasingly complex scenarios.
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© Fraunhofer-Verbund IuK-Technologie
2013 |
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