{"id":2236,"date":"2019-11-16T12:30:00","date_gmt":"2019-11-16T11:30:00","guid":{"rendered":"https:\/\/bicon.li\/?p=2236"},"modified":"2026-05-15T08:03:12","modified_gmt":"2026-05-15T06:03:12","slug":"quo-vadis-banking","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2019\/11\/16\/quo-vadis-banking\/","title":{"rendered":"Quo vadis, Banking?"},"content":{"rendered":"

Wer hat bereits eine geb\u00fchrenfreie Debit\nKarte von Revolut und freut sich jedes Mal im Ausland dar\u00fcber, dass man nun\neinen Devisenkurs wie die Banken, ohne kostspielige Margen bekommt? Die Smartphone-Bank Revolut hat im letzten Jahr auch\nhierzulande m\u00e4chtig zugelegt. Auch weitere Anbieter sind auf Kundenfang und das\nmit, zumindest f\u00fcr die Bankenwelt, recht progressiven Marketingstrategien. Die\nAngebote reichen weit \u00fcber das Zahlen und Geldtransferieren hinaus und umfassen\nauch Leistungen wie Aktienhandel oder ETF basierte Verm\u00f6gensverwaltung.<\/em><\/p>\n\n\n\n

Ganz einfach ausgedr\u00fcckt bieten diese neuen Finanzdienstleister standardisierte und durchg\u00e4ngig hoch automatisierbare Bankprodukte und -services zu sehr g\u00fcnstigen Konditionen an. <\/p>\n\n\n\n

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Die Automatisierung findet nicht nur an der Kundenschnittstelle statt, sondern entlang der ganzen Wertsch\u00f6pfungskette. <\/p>\n<\/blockquote>\n\n\n\n

Die Ums\u00e4tze werden oft nicht mit den Kunden\/Konsumenten gemacht, sondern beispielsweise mit Ertr\u00e4gen auf der Verk\u00e4uferseite. Inwieweit diese Ertragsmodelle nachhaltig sind, wird sich noch weisen. Die Margenerosion wird aber wohl nicht aufzuhalten sein.<\/p>\n\n\n\n

Um mit engen Margen erfolgreich sein zu k\u00f6nnen, m\u00fcssen grosse Volumina erreicht werden, was wiederum, wie auch bei anderen rein internetbasierten Gesch\u00e4ftsmodellen, zu einer Winner-takes-it-all Situation f\u00fchrt. <\/p>\n\n\n\n

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Wer hier k\u00fcnftig mitspielen will, muss bei der Automatisierung und Skalierung mitr\u00fcsten und somit eine Transformation zum internationalen Technologie- und Marketingunternehmen vollziehen. <\/p>\n<\/blockquote>\n\n\n\n

Welche Banken dazu finanziell, kulturell und know-how-m\u00e4ssig in der Lage sind, wird sich zeigen. Die zunehmende Involvierung der grossen Internet-Technologie Unternehmen ist nur eine logische Konsequenz dieser Entwicklungen, da sie das n\u00f6tige R\u00fcstzeug bereits besitzen.<\/p>\n\n\n\n

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Es gibt auf der anderen Seite aber auch Bankgesch\u00e4fte, die sich auf absehbare Zeit nicht durchg\u00e4ngig automatisieren lassen, weil sie menschliche Intuition, Spezialistenwissen, Verhandlungsgeschick oder auch ein Beziehungsnetzwerk ben\u00f6tigen. <\/p>\n<\/blockquote>\n\n\n\n

Hierzu z\u00e4hlen beispielsweise Leistungen wie Entwicklung innovativer Anlageprodukte und -strategien, vollumf\u00e4ngliche Beratung, Mergers & Acquisitions, Unternehmensfinanzierungen und -sanierungen oder auch gehobenes Investment Research.<\/p>\n\n\n\n

Wie sehen vor diesem Hintergrund m\u00f6gliche Strategien f\u00fcr eine klassische Bank aus?<\/h3>\n\n\n\n

Die Produkte und Services, die grosses\nAutomatisierungspotential besitzen, werden wegbrechen, sofern sich der Anbieter\nnicht in eine Markf\u00fchrer-Position bringen kann. Dies kann schleichend, aber\nauch durchaus im Nokia-Stil sehr schnell passieren. Sofern diese Produkte und\nServices nicht das eigentliche Kerngesch\u00e4ft darstellen, gibt es die M\u00f6glichkeit\nsich externe Partner an Bord zu holen, um sie k\u00fcnftig noch im Angebot zu haben,\naber ohne eigene Wertsch\u00f6pfung. Das FinTech Start-up TransferWise bietet beispielsweise\neinen solchen Service f\u00fcr preiswerte und transparente internationale Geldtransfers\nan.<\/p>\n\n\n\n

Eine Alternativstrategie ist es, spezialisierte\nAngebote, welche so individuell sind, dass sie sich nicht hochgradig automatisieren\nlassen, auszubauen. Aber auch hier sind technologische Investitionen gefordert,\num dem Kunden die n\u00f6tige Expertise bieten zu k\u00f6nnen, f\u00fcr die er weiterhin gewillt\nist, zu bezahlen. Neben den besten Fachkr\u00e4ften werden hier unterst\u00fctzende (nicht\nrein automatisierende) Expertensysteme ben\u00f6tigt, welche zu entwickeln sind. Hier\ngilt es besser als die Konkurrenz zu sein, ein reiner \"me too\" Ansatz\nwird l\u00e4ngerfristig nicht ausreichen. Ein bekanntes Beispiel ist das\nExpertensystem Aladdin der Firma BlackRock, welche unter anderem durch dessen\nUnterst\u00fctzung \u00fcberraschend schnell zum gr\u00f6ssten Asset Manager der Welt\naufgestiegen ist.<\/p>\n\n\n\n

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Zwischen den beiden skizzierten Enden der Skala, also volle Automatisierung und Skalierung versus hoch spezialisierte Angebote, wird es immer schwieriger werden, profitable Bankdienstleistungen zu erbringen.
Strategien in einer digitalen Welt verlangen eben auch digitale Entscheidungen.<\/p>\n<\/blockquote>\n\n\n\n

<\/p>\n\n\n\n

Publiziert in Wirtschaftregional vom 16.11.2019<\/a><\/em><\/p>","protected":false},"excerpt":{"rendered":"

Wer hat bereits eine geb\u00fchrenfreie Debit Karte von Revolut und ... <\/p>\n

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Zwei sehr erfolgreiche Banken (\"best in class\"), die auf den ersten Blick kaum unterschiedlicher sein k\u00f6nnten: hier die global skalierende Finanzplattform, dort der spezialisierte internationale Wealth Manager. 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Zwei Robo-Advisors im Vergleich","author":"Volkmar Ritter","date":"2026-03-30","format":false,"excerpt":"Zwei Robo-Advisors im Vergleich: Revolut vs. wiLLBe by LLB Banking Summary Beide Robo-Advisors stehen exemplarisch f\u00fcr die neue Generation der digitalen Verm\u00f6gensverwaltung: vollautomatisiert mobile-first & skalierbar mit wachsender Bedeutung von Nachhaltigkeit (bei Revolut optional) Doch entscheidend ist nicht die Oberfl\u00e4che \u2013 sondern die Logik dahinter. Die Portfolioumsetzung unterscheidet sich fundamental:\u2026","rel":"","context":"In "Asset Management"","block_context":{"text":"Asset Management","link":"https:\/\/bicon.li\/en\/category\/assetmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-wiLLBe-scaled.png?fit=1200%2C561&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-wiLLBe-scaled.png?fit=1200%2C561&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-wiLLBe-scaled.png?fit=1200%2C561&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-wiLLBe-scaled.png?fit=1200%2C561&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-wiLLBe-scaled.png?fit=1200%2C561&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3588,"url":"https:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/","url_meta":{"origin":2236,"position":2},"title":"Die Zukunft des Digital Banking","author":"Volkmar Ritter","date":"2021-03-17","format":false,"excerpt":"Da das Banking Gesch\u00e4ft per se digital stattfindet, sind Banken schon seit Jahrzehnten mit der Digitalisierung im urspr\u00fcnglichen Sinne, also dem digitalen Verarbeiten von ehemals analogen Informationen (EDV), besch\u00e4ftigt. Auch die digitale Vernetzung von Markteilnehmern \u00fcber die Unternehmensgrenze hinaus ist in der Bankenwelt nichts wirklich Neues, eher schon so alt,\u2026","rel":"","context":"In "Client Management"","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":877,"url":"https:\/\/bicon.li\/en\/2004\/12\/11\/it-geschaeftsprozess-outsourcing-bei-banken\/","url_meta":{"origin":2236,"position":3},"title":"IT- & Gesch\u00e4ftsprozess- Outsourcing bei Banken","author":"Volkmar Ritter","date":"2004-12-11","format":false,"excerpt":"\u00dcber Erfolge wie auch \u00fcber gescheiterte Projekte im Umfeld des IT- & Gesch\u00e4ftsprozess-Outsourcings bei Banken wird viel geschrieben und referiert. Zeit, dieses Thema etwas zu beleuchten. IT- & Gesch\u00e4ftsprozess-Outsourcing bei Banken ist ein sehr weitgehender Begriff. So kann man das reine und zeitlich begrenzte \u00abBody Leasing\u00bb f\u00fcr IT-Projekte wie die\u2026","rel":"","context":"In "IT & Daten Strategie"","block_context":{"text":"IT & Daten Strategie","link":"https:\/\/bicon.li\/en\/category\/itstrategy\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/14.jpg?fit=1200%2C750&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/14.jpg?fit=1200%2C750&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/14.jpg?fit=1200%2C750&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/14.jpg?fit=1200%2C750&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/14.jpg?fit=1200%2C750&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":8319,"url":"https:\/\/bicon.li\/en\/2026\/03\/23\/wenn-strategie-technologie-und-umsetzung-zusammenkommen\/","url_meta":{"origin":2236,"position":4},"title":"Wenn Strategie, Technologie und Umsetzung zusammenkommen","author":"BICon","date":"2026-03-23","format":false,"excerpt":"Es freut die BICon sehr, dass die LGT im Bereich innovativer Technologien im Intermedi\u00e4rgesch\u00e4ft ausgezeichnet wurde. 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Digitalisation, however, is more than adopting technology - it represents a fundamental transformation in\u2026","rel":"","context":"In "Client Management"","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=700%2C400 2x"},"classes":[]}],"publishpress_future_action":{"enabled":false,"date":"2026-07-10 21:32:12","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/2236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/comments?post=2236"}],"version-history":[{"count":0,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/2236\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media\/2669"}],"wp:attachment":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media?parent=2236"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/categories?post=2236"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/tags?post=2236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}