{"id":2841,"date":"2016-09-01T16:41:30","date_gmt":"2016-09-01T16:41:30","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=2841"},"modified":"2019-04-12T17:22:38","modified_gmt":"2019-04-12T17:22:38","slug":"too-big-to-move-a-new-era-for-the-banking-sector","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/too-big-to-move-a-new-era-for-the-banking-sector\/","title":{"rendered":"\u2018Too big to move\u2019: a new era for the banking sector"},"content":{"rendered":"

We have reached an interesting time in\u00a0the banking sector where big banks’ models are switching\u00a0from ‘Too big to fail’ to ‘Too big to move’.<\/strong><\/p>\n

We all know the economical concept behind\u00a0‘Too big to fail’. Big banks have long been\u00a0immune from bankruptcy\u00a0thanks to their size. Governments promised them a ‘never ending bailout contract’ to protect\u00a0them against\u00a0any future crisis. This to avoid the entire market to collapse if a major bank was to fail. Few weeks ago, the European banks were\u00a0calling for a \u20ac150 Billion<\/strong><\/a>\u00a0bailout to recapitalize.<\/p>\n

However,\u00a0no\u00a0organization on earth can protect a big bank against competition, even the regulators are\u00a0in favor of new smaller entrants.\u00a0Size was the standard\u00a0until FinTech start-ups came out with new approaches:<\/p>\n

\n

“Size will no longer dictate the laws of finance but\u00a0flexibility is\u00a0the\u00a0new Graal”.<\/p>\n<\/blockquote>\n

The great thing with FinTech is that compared to banks they are\u00a0agile by nature which allow them to innovate much faster.\u00a0That is why we have seen FinTech start-ups growing so fast over the past years.<\/p>\n

Some would argue\u00a0that as it is the case for Banks, FinTechs will need to reach a critical size to challenge traditional actors and compete with other new entrants. That is right, but I believe there are\u00a0at least two\u00a0major factors that benefit to smaller actors: specialization and time.<\/p>\n

‘Too Big …’: being big\u00a0does not mean being good at everything<\/strong><\/h3>\n

Some big banks are good in\u00a0retail banking and some others in investment banking. Some will be better at\u00a0trading and\u00a0some others at\u00a0managing people’s wealth. But not a single bank on the market is providing top quality services in every vertical.<\/p>\n

Most FinTechs are focusing on one specific financial vertical. Whether it is lending, payment, money transfer, investment, etc.\u00a0specialization is driving excellence<\/strong>\u00a0in the new\u00a0financial\u00a0game. This give FinTech\u00a0much more flexibility to adapt to customer’s needs and offer\u00a0them a better user experience, better returns, cost reductions and even more transparency\u00a0due to the\u00a0simplification of the processes.<\/p>\n

It also seems obvious but in finance the bigger you are, the more\u00a0you are\u00a0regulated and the more complicated it is for you to make a move. Alain Clot, President of France FinTech, correctly explained\u00a0in an\u00a0interview the main issues for banks in terms of regulation<\/strong><\/a>:<\/p>\n

\n

“Fintech or not, regulation is the same for everyone. The difference is that as a bank, dealing with every financial products and services means being regulated for each of these products and services. FinTechs are usually targeting one vertical and are regulated for\u00a0a\u00a0specific product or service.”<\/p>\n<\/blockquote>\n

Even the so called ‘neo-banks’ which tend to offer a wide range\u00a0of financial services are instead\u00a0focusing on\u00a0one vertical (at least for now). N26, a German neo-bank formerly known as Number26, started as a mobile payment actor. The start-up\u00a0has spent the last few\u00a0years working on innovative payment solutions for its customers. It has recently received a full banking license from the ECB to operate as a real bank<\/a> and extend its financing products. Similarly, the services offered by the French Morning or\u00a0the British Tandem and\u00a0Revolut are restricted\u00a0to payment but not yet savings or lending solutions.<\/p>\n

Because the success of FinTech relies on trust and confidence, new entrants\u00a0have to build step-by-step the bank of the future. As a result, we are entering in a\u00a0new time space<\/strong>.<\/p>\n

‘… to move’: time\u00a0was money, now time is value<\/strong><\/h3>\n

Time is a very interesting factor when looking at the new financial landscape shaped\u00a0by innovation. Banks and FinTechs have a completely different relationship with time.<\/p>\n

Banks are running out of\u00a0time<\/strong>. They have no more time on the financial markets. If they\u00a0want to be competitive, they have to be the fastest. No more time neither for customers unless they\u00a0have a personal wealth to pay for\u00a0expensive\u00a0advices.<\/p>\n

The funny thing is that for a bank that is\u00a0investing massively\u00a0to be the quickest on the market, it appears to be\u00a0much more\u00a0time consuming for it to digitalize. So here we come with the concept of ‘Too big to move’. For those who\u2019ve been working in the banking sector, you probably experienced the negative effects of that big machine where nobody quite really understands what\u2019s going on. To this, you add many hierarchy levels, poor decision processes, a lack of transparency across business lines, etc. in which innovation is supposed to find its path. You get it, you can\u2019t move in such a huge structure unless you start thinking differently.<\/p>\n

We have seen lot of acquisitions over the past months with\u00a0banks like BBVA or Goldman Sachs\u00a0making\u00a0up for lost time. Banks are good at investing\u00a0but\u00a0integrating is another challenge for every reasons mentioned before. It takes more time to integrate a technology (and everything that goes with it such as the culture and the vision) to a business. And time, banks are lacking of it!<\/p>\n

Temporality is not the same for FinTech start-ups<\/strong>. FinTechs are not competing on speed\u00a0but on something more humanistic: the customer experience. It takes months\u00a0to build a brand from scratch\u00a0and months to be trusted by your\u00a0customers. This give FinTech\u00a0obviously more time to take strategic moves against potential competitors.<\/p>\n

The French neo-bank \u2018Compte Nickel\u2019\u00a0is a great example of how fast and agile a FinTech can be. Philippe Gelis, founder & CEO of Kantox, described \u2018Compte Nickel\u2019 in an article as\u00a0the most successful neo-bank in Europe<\/strong><\/a>. In only 27 months,\u00a0more than 300,000 people opened an account and revenues of nearly\u00a09 million euro were made in 2015. All this with almost no money invested in marketing. I agree it is ‘peanuts’ compared to the 42\u00a0something billion euros of revenues made by BNP Paribas in 2015. But\u00a0customer behavior\u00a0is changing and\u00a0300,000+\u00a0people now prefer to go to newsagent shops to open\u00a0a bank\u00a0account rather than go to bank branches.<\/p>\n

Banks are investing in innovation to be more flexible. Being ‘too big’ means that banks don’t have the\u00a0ability to move as fast as they would like to innovate. This\u00a0create\u00a0a bunch of opportunities\u00a0for both\u00a0FinTechs that are flexible\u00a0but\u00a0need to scale\u00a0and\u00a0banks that\u00a0are big enough but need to move quickly to reinvent themselves.<\/p>\n

Chris Skinner also\u00a0used the\u00a0old story of the mouse and the elephant as illustration<\/strong><\/a>\u00a0to describe the relation between banks and FinTechs but I will re-use this metaphor since\u00a0I find it particularly relevant to conclude this article.<\/p>\n

Big banks are the fat elephant that have long been sure about their\u00a0superiority in the financial jungle. Now with the arrival of FinTech start-ups, characterized as the little mouses, the balance of power is evolving, giving more space to the rise of new innovative concepts. Both Banks and FinTechs can benefit from the fundamental shift the financial sector is experiencing. Whether it will be through collaboration, coopetition or through competition, at the end of the day, the customer will have the final word on what is the best approach to manage his\/her savings.<\/p>\n

\n

Note: I would like to address a special thank you to all those who shared their vision with me on the topic, more specifically to Patrice Bernard and Janos Barberis for their highly valuable feedbacks!<\/p>\n","protected":false},"excerpt":{"rendered":"

We have reached an interesting time in\u00a0the banking sector where big banks’ models are switching\u00a0from ‘Too big to fail’ to ‘Too big to move’. We all know the economical concept behind\u00a0‘Too big to fail’. Big banks have long been\u00a0immune from bankruptcy\u00a0thanks to their size. Governments promised them a ‘never ending bailout contract’ to protect\u00a0them against\u00a0any […]<\/p>\n","protected":false},"author":3,"featured_media":2842,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551],"tags":[941,938,828,934,270,185,748,259,933,942,63,318,417,806,50,317,670,884,935,940,265,939,809,936,937,603,184],"yoast_head":"\n\u2018Too big to move\u2019: a new era for the banking sector - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/too-big-to-move-a-new-era-for-the-banking-sector\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2018Too big to move\u2019: a new era for the banking sector - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"We have reached an interesting time in\u00a0the banking sector where big banks’ models are switching\u00a0from ‘Too big to fail’ to ‘Too big to move’. 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