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Adigitalcrackinbankingsbusinessmodel|McKinsey&Company
Article
McKinseyQuarterly
April2016
http://www.mckinsey.com/industries/financialservices/ourinsights/Adigitalcrackinbankingsbusinessmodel?cid=digistratemlaltmkqmckoth1604
1/5
25/04/2016
Adigitalcrackinbankingsbusinessmodel|McKinsey&Company
Exhibit
Digital start-ups (fintechs)as well as big nonbank technology companies in eretailing, media, and other sectorscould exploit this mismatch in bankings
business model. Technological advances and shifts in consumer behavior offer
attackers a chance to weaken the heavy gravitational pull that banks exert on
their customers. Many of the challengers hope to disintermediate these
http://www.mckinsey.com/industries/financialservices/ourinsights/Adigitalcrackinbankingsbusinessmodel?cid=digistratemlaltmkqmckoth1604
2/5
25/04/2016
Adigitalcrackinbankingsbusinessmodel|McKinsey&Company
http://www.mckinsey.com/industries/financialservices/ourinsights/Adigitalcrackinbankingsbusinessmodel?cid=digistratemlaltmkqmckoth1604
3/5
25/04/2016
Adigitalcrackinbankingsbusinessmodel|McKinsey&Company
http://www.mckinsey.com/industries/financialservices/ourinsights/Adigitalcrackinbankingsbusinessmodel?cid=digistratemlaltmkqmckoth1604
4/5