The Future of Retail Banking in Europe

The Future of Retail Banking in Europe
Author: Oonagh McDonald
Publisher: John Wiley & Sons
Total Pages: 208
Release: 2003-03-28
Genre: Business & Economics
ISBN: 0470855746
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Within Europe, the banking sector is commencing a period of considerable change and consolidation. Advances in technology, competition from the non-banking sector, the introduction of the Euro, a European Central bank and, possibly, pan-European Regulation, combined with the challenge from US banks, increased mergers and changing practices means 21st century banking is changing immeasurably. The Future of Retail Banking in Europe is written in an accessible style by Oonagh McDonald and Kevin Keasey, two of the leading authorities in the field and includes: In-depth analysis of the banking structures in all the major European markets. Foreword by Guy Warren, Head of Banking, Europe, Unisys Corporation Unique insights into the industry from the CEOs of major European banks. The challenges being faced in the industry and predictions into what the future holds for retail banking in Europe. This book will be essential reading for middle and senior managers in the banking and financial service sectors, both suppliers and investors in the banking sector, and MBA students.

The Future of Retail Banking in Europe

The Future of Retail Banking in Europe
Author: Nicola Jentzsch
Publisher:
Total Pages: 0
Release: 2010
Genre:
ISBN:
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This report brings together in a single volume the excellent contributions presented at the high-level conference on “The Future of Retail Banking in Europe: Competition and Regulatory Challenges” held at CEPS on the 10th of June 2009. The conference was jointly organized by the European Credit Research Institute (ECRI) and the Deutsche Institut für Wirtschaftsforschung (DIW Berlin) and coincided with the 10th anniversary of the founding of ECRI. While most of the debate about the crisis dealt with the banking industry as a whole and the stabilisation policies introduced by governments, especially central banks, this volume drew attention to the microeconomic specifics of banking. By starting with the basics underlying financial markets, we acquire a better understanding of the many facets of business practices, which in turn allows us to identify possible market failures. The identified market failures serve as a starting point for the design of optimal policies in the arenas of competition policy and consumer protection.

Banking in the New Europe

Banking in the New Europe
Author: Edward P.M. Gardener
Publisher: Springer
Total Pages: 353
Release: 2002-10-02
Genre: Business & Economics
ISBN: 0230599990
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The completion of the European Single Market Programme (SMP) and the launch of 'Euroland' are bold statements on the European Union and its future. Within this economic process, the particular importance of the banking and financial services sectors is widely emphasized. This collection explores the strategic impact of the Single Market Programme and European Monetary Union on European banks and banking systems. The contributors examine eleven banking systems: Belgium, Denmark, France, Germany, Greece, Ireland, Italy, Netherlands, Portugal, Spain and the United Kingdom. Thoroughly up-to-date and with a common thematic overview of major trends in European banking systems, this book covers key strategic developments, structural changes, performance trends and strategies.

The Future of Retail Financial Services

The Future of Retail Financial Services
Author: Sylvain Bouyon
Publisher: Rowman & Littlefield
Total Pages: 105
Release: 2017-04-04
Genre: Political Science
ISBN: 1786604817
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In recent years, the digitalisation of retail financial services – retail payments, current/savings accounts, consumer/housing credit, car insurance, property insurance and health insurance – has accelerated significantly. While policy-makers are gradually creating the necessary conditions to strengthen this digital transformation, there remain numerous policy issues and unanswered questions to resolve. Against this background, CEPS-ECRI formed a Task Force to explore four specific core questions: What type of level playing field is needed to ensure a successful transitions to the digital transformation? What are the opportunities and risks related to big (alternative) data and increasingly sophisticated algorithms? What kind of regulatory framework is the most appropriate for pre-contractual information duties in a digital era? How can the regulatory framework for digital authentication be improved? This report presents the findings of the Task Force, based on discussions among the members, led by the Chairman Kim Vindberg-Larsen, a FinTech entrepreneur. These findings are substantiated and elaborated via in-depth research carried out by Sylvain Bouyon, CEPS-ECRI Research Fellow.

Retail Banking

Retail Banking
Author: A. Omarini
Publisher: Springer
Total Pages: 322
Release: 2016-01-12
Genre: Technology & Engineering
ISBN: 113739255X
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The world of retail banking is changing. While previously a purely money-making entity, the industry has brought social responsibility onto its agenda, and the ground rules for success have altered. Traditional convictions, rules and values that have influenced all banking business in the past are brought into question by this shift, and banks are adopting bold strategies in order to win out over competitors. Taking both multidisciplinary and holistic approaches, Retail Banking is a comprehensive analysis of how traditional retail banks can meet the challenges of the emerging competitive landscape. It outlines the importance of considering the traditional fundamentals of banking and fitting them into the modern times, where technology is pervasive and developments in the macro and micro scenarios have changed the landscape of the industry. It highlights that modern retail banking is a conscious step away from the past, and suggests that for banks to succeed in this field, they must step away from ad-hoc initiatives and instead encourage loyalty and a life-long confidence in each of their customers. This book will be of interest to those with in interest in retail banking, bank management, business models and strategies and financial services.

Industrialization in Retail Banking

Industrialization in Retail Banking
Author: Heiner Offenbächer
Publisher: GRIN Verlag
Total Pages: 53
Release: 2007-08
Genre: Business & Economics
ISBN: 3638710491
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Seminar paper from the year 2006 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,7, European Business School - International University Schlo Reichartshausen Oestrich-Winkel, course: Retail Banking in Europe, 67 entries in the bibliography, language: English, abstract: The German retail banking sector faces severe challenges. Global competitors are invading the market with new business models trying to win existing customers. At the very same time, customers become evermore demanding by means of price and quality and are willing to switch banks if it deems advantageous. If failing to act on these problems, the future of many German retail banks seems jeopardized. Other industries, in particular the manufacturing sector, have faced similar problems. In the 1980's German manufacturing companies had to cope with similar challenges and managed to successfully overcome their crisis by developing and applying new concepts such as process management, focussing on core competencies and involving external providers into their operations. In the light of this success story, industrialization appears to be a very promising mean to respond to the current situation the German retail banks are facing. While foreign institutes have already initiated successful industrialization activities it has only recently come to the attention of German retail banks. This paper will therefore examine whether and how industrialization concepts can be successfully transferred and applied to German retail banks.