思艾特（CI&T）：银行必须具备的五种数字化能力（中译版）（10页）.pdf

1、FIVE DIGITAL CAPABILITIES YOUR BANK MUST HAVEUNTIL RECENTLY,DIGITAL CAPABILITIES OF LARGE U.S.RETAIL BANKS PALED COMPARED TO THOSE OF DIGITAL-ONLY STARTUPS.Wow,how the tables have turned!The largest U.S.banks have significantly improved their digital capabilities in recent years.Yet,at the same time

2、,digital-native neobanks continue to lose money despite providing high-quality digital experiences.That doesnt mean banks can be complacent.On the contrary,digital-only banks such as SoFi and LendingClub discovered a winning formula by establishing themselves as lenders before expanding into banking

3、 services.This strategy enabled them to tap customers for new products and services,slashing the acquisition costs that plague single-product neobanks.2And yet,regional banks have competitive advantages notably established customer relationships,products,and brand equity.Moreover,consumers trust the

4、ir banks much more than startups or tech giants.Most banks dont maximize the value of this trust relationship,however.Thats unfortunate because new technology has made implementing advanced features much more straightforward and cost-effective.Indeed,your card network,Mastercard or Visa,and your car

5、d-issuer processor may be able to provide the capabilities discussed below.So,what digital features should banks provide to level the playing field with the big guys?34A DATA MANAGEMENT DASHBOARDConsumers have bank accounts and payment cards connected to many services.As trusted custodians of our mo

6、ney,banks are best equipped to help customers track,manage,and secure these relationships.Banks that provide this service will be seen as custodians of our most sensitive data.For example,Chases Security Center shows users where their cards are stored,a big time-saver when a card has been lost or st