The synergetic effect of interaction of elements of the business model of the bank
is presented in Figure 1.
Figure 1. Synergy effect of bank’s business model interaction
You should always ask yourself: "What modern solutions are needed for my
clients and changes in the business model are necessary for the successful integration
of these technologies?" If you cannot answer this question, then, most likely, you have
a problem, or you do not need these changes. If you can clearly answer this question
yourself, then prepare the terms of reference and calculations, the "road map", along
which you will move forward.
Ukraine still has a lot of empty niches for the banking business and a lot of
technological developments, far from their full potential. But in the light of the above,
one can foresee a rapid banking breakthrough in some areas and segments. Let's call
them.
• Implementation of PREPAID plastic cards. In synergy with "electronic money,"
this direction is a very interesting niche for banks that are actively working with Y
generation. Prepaid payment cards are an extremely fast payment tool in the US.
European and Asian countries are not lagging behind. Prepaid payment card opens up
opportunities for entry into hard-to-reach points of sales, easily undergoes extensive
scaling, quickly integrates with any trading network, is subject to modification and
operates under a simplified system of identification of an individual. The undiscovered
Technological elements
ocybersecurity
osocial networks
obig data and data analytics
ovirtualization
oNFC and RFID
oSole login
o
“cloud”
oInternet- banking
Business model elements
oDigital repositories and
mobile wallets
oCRM
o Game theory
oPrice competition
o loyalization
oVirtual cards and vouchers
o Transactions and p2p
payments
oBanking
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