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Quick read: European banking’s digital experiment

European bank chief executives speak obsessively to Euromoney about new and rebooted digital banking arms – read on for a guide to Dominic O’Neill’s in-depth examination of the strategy and rationale behind these projects, and their chances of success.


1.   Digital disruption: why Europe's online banks might ramp up

Disruption is everywhere in European banking and much of it from the banks themselves.

Digital brands are the new battleground for a sector that is ever more competitive with itself while also staving off the challenge from fintech upstarts on the one hand and the bigger tech giants such as Amazon and Facebook on the other.

So far, most online operations have stayed small in comparison to their more traditional parents, but a changing dynamic is seeing banks having to respond to customer demands for quicker, simpler and cheaper services.

The result could be an opportunity for online brands to expand as parents ramp up investment. Read more… 

‘Banks were thinking they were the centre of the universe. Now the power is shifting from the institution to the customer.’ – Benoît Legrand, ING

2.    George, bei Erste: how digital can be the better way into the rest of Europe

For a bank looking to spread its wings across Europe, M&A seems like too much trouble.

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