{"id":3588,"date":"2021-03-17T17:35:00","date_gmt":"2021-03-17T16:35:00","guid":{"rendered":"https:\/\/bicon.li\/?p=3588"},"modified":"2026-05-15T08:03:03","modified_gmt":"2026-05-15T06:03:03","slug":"die-zukunft-des-digital-banking","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/","title":{"rendered":"Die Zukunft des Digital Banking"},"content":{"rendered":"

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, dass diese Systeme heute teilweise veraltet und tr\u00e4ge sind.<\/p>\n\n\n\n

Effizienz und Pricing<\/h3>\n\n\n\n
\n

Das Neue an dem, was man heute unter Digitalisierung versteht, ist die Einbindung des Endkunden immer und \u00fcberall via Smartphone einerseits und die vollst\u00e4ndige und zeitnahe Automatisierung der ganzen Wertsch\u00f6pfungskette andererseits. Aus Bankensicht ist dies heute meist eine effizienzgetriebene Digitalisierung mit dem Ziel, m\u00f6glichst automatisiert und somit g\u00fcnstig zu \u00abproduzieren\u00bb. <\/p>\n<\/blockquote>\n\n\n\n

Auch f\u00fcr den Endkunden stellt dies einen Effizienzgewinn dar, da er immer noch vorwiegend dieselben Services und Produkte nutzt, nur eben immer aktuell und \u00fcberall.<\/p>\n\n\n\n

Diese Effizienzpotentiale haben auch ihre Auswirkungen auf der Geb\u00fchrenseite. So werden speziell transaktionale Bankgesch\u00e4fte immer g\u00fcnstiger oder gar vollst\u00e4ndig geb\u00fchrenfrei. Dies ist nicht mehr nur beim Bezahlen der Fall, sondern beispielsweise auch beim Wertschriftenhandel. Man schaue in die USA, wo praktisch alle grossen Retail Broker Ende 2019 das kommissionsfreie Handeln eingef\u00fchrt haben. Dies erfordert k\u00fcnftig neue Preismodelle f\u00fcr die Services mit zus\u00e4tzlicher Wertsch\u00f6pfung f\u00fcr den Kunden, wie beispielweise der individuellen Beratung. Es bieten sich zeit- oder verm\u00f6gensgebundene Modelle an, vielleicht setzt sich aber gar ein Flat Pricing durch, wie beispielweise beim digitalen Streaming von Musik oder TV-Serien.<\/p>\n\n\n\n

Weiters wurden durch die aktuelle Pandemie die digitalen Kan\u00e4le zum Prim\u00e4rkanal, nicht nur in der Kommunikation, sondern bei allen Facetten von Bankgesch\u00e4ften. Somit ist ein modernes digitales Offering f\u00fcr den Kunden k\u00fcnftig ein Muss und wohl weniger eine wirkliche Differenzierungsm\u00f6glichkeit. Dieses Offering muss selbstsprechend die Strategie des jeweiligen Finanzdienstleisters widerspiegeln. Beim Discount Broker wird das digitale Angebot f\u00fcr den Kunden anders aussehen m\u00fcssen als bei der Privatbank f\u00fcr die wohlhabende Kundschaft. Der Retail Trader hat andere Use Case Schwerpunkte als der verm\u00f6gende Unternehmer.<\/p>\n\n\n\n

Nutzen und digitale Differenzierungsm\u00f6glichkeiten<\/h3>\n\n\n\n

Via offenen Schnittstellen (APIs) werden k\u00fcnftig Aggregationsdienste verschiedenste Bankverbindungen in einer Ansicht konsolidiert pr\u00e4sentieren. Dies birgt die Gefahr, dass die Bank das digitale Kundeninterface an Drittanbieter verliert, bietet aber auch grosse Chancen f\u00fcr neue Dienstleistungen.<\/p>\n\n\n\n

\n

Das bringt mich zur Frage, welches denn die digitalen Differenzierungsm\u00f6glichkeiten der Zukunft sind? Neben der oben beschriebenen effizienzgetriebenen, gibt es auch die nutzengetriebene Digitalisierung. Hierbei geht es um das Schaffen von neuen Services und auch Produkten, welche erst durch die aktuellen IT Innovationen <\/a>erm\u00f6glicht werden, wie beispielweise die beschriebene Aggregation. <\/p>\n<\/blockquote>\n\n\n\n

Schauen wir das popul\u00e4re Musikstreaming an. Ich h\u00f6re immer noch Musik, aber neu \u00fcberall mit einer riesigen Auswahl. Dies sind Aspekte der Effizienz. Wenn mir nun aber auf mich pers\u00f6nlich zugeschnittene Playlists angeboten werden, welche meinen Geschmack treffen und ich somit neue K\u00fcnstler in der riesigen Auswahl entdecke, ist das ein neuer nutzengetriebener Service. Dass hierzu eine grosse Menge an Daten resp. Nutzern <\/a>ben\u00f6tigt wird soll zeigen, dass es f\u00fcr einen neuen digitalen Service oft einer Mischung aus technologischen M\u00f6glichkeiten und Daten bedarf.<\/p>\n\n\n\n

\n

Eine Differenzierungsm\u00f6glichkeit sind somit Services, welche gegen\u00fcber dem Kunden individualisiert angeboten werden k\u00f6nnen, in der Abwicklung aber hochgradig automatisierbar sind.<\/p>\n<\/blockquote>\n\n\n\n

Bei den neuen digitalen Produkten findet man Beispiele in der Blockchain Welt. Dezentral gesteuerte Protokolle und Tokens erm\u00f6glichen v\u00f6llig neue Finanzprodukte und Gesch\u00e4ftsmodelle, wie in vorangegangen Artikeln mehrfach erl\u00e4utert<\/a>. Auch den aktuellen Hype um Digital<\/a> Art, welche mittels NTFs<\/a> (Non Fungibe Tokens) handelbar gemacht wird, w\u00fcrde ich hier einordnen, obwohl man an der Nachhaltigkeit Zweifel haben kann.<\/p>\n\n\n\n

\n

Wer es schafft, nutzengetriebene digitale Services und Produkte zu entwickeln, welche gleichzeitig effizient und somit skalierbar sind, wird sich des Erfolgs im Digital Banking sicher sein.<\/p>\n<\/blockquote>\n\n\n\n

In einer 2X2 Matrix ergeben sich aus der effizienz- und nutzengetriebenen Digitalisierung folgende 4 Rollen:
(Details zu den im Bild angef\u00fchrten Beispielen von FinTech Offerings hier<\/a>)<\/p>\n\n\n\n

\"\"
Die Abbildung zeigt die 4 Quadranten, welche sich aus der effizienz- und nutzengetriebenen Digitalisierung im Banking ergeben<\/em><\/figcaption><\/figure>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Da das Banking Gesch\u00e4ft per se digital stattfindet, sind Banken ... <\/p>\n

Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":7012,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","generate_page_header":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[14,32,12,34,54,16],"tags":[30,71],"class_list":["post-3588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clientmanagement","category-digitaltransformation","category-fintech","category-itstrategy","category-operating-model","category-strategy","tag-german","tag-wirtschaft-regional-kolumne","infinite-scroll-item","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","no-featured-image-padding"],"featured_image_src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/03\/Digital-Banking-1.jpg?fit=1920%2C1080&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"\nDie Zukunft des Digital Banking | BICon<\/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:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Die Zukunft des Digital Banking | BICon\" \/>\n<meta property=\"og:description\" content=\"Da das Banking Gesch\u00e4ft per se digital stattfindet, sind Banken ... 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Artikel lesen","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/clientmanagement\/\" class=\"advgb-post-tax-term\">Client Management<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/digitaltransformation\/\" class=\"advgb-post-tax-term\">Digitale Transformation<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/fintech\/\" class=\"advgb-post-tax-term\">FinTech<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/itstrategy\/\" class=\"advgb-post-tax-term\">IT & Daten Strategie<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/operating-model\/\" class=\"advgb-post-tax-term\">Operating Model<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/strategy\/\" class=\"advgb-post-tax-term\">Strategie & Zukunft<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Client Management<\/span>","<span class=\"advgb-post-tax-term\">Digitale Transformation<\/span>","<span class=\"advgb-post-tax-term\">FinTech<\/span>","<span class=\"advgb-post-tax-term\">IT & Daten Strategie<\/span>","<span class=\"advgb-post-tax-term\">Operating Model<\/span>","<span class=\"advgb-post-tax-term\">Strategie & Zukunft<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/strategy\/\" class=\"advgb-post-tax-term\">German<\/a>","<a href=\"https:\/\/bicon.li\/en\/category\/strategy\/\" class=\"advgb-post-tax-term\">Wirtschaft Regional Kolumne<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">German<\/span>","<span class=\"advgb-post-tax-term\">Wirtschaft Regional Kolumne<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 5 years ago","modified":"Updated 2 months ago"},"absolute_dates":{"created":"Posted on 2021-03-17","modified":"Updated on 2026-05-15"},"absolute_dates_time":{"created":"Posted on 2021-03-17 17:35","modified":"Updated on 2026-05-15 8:03"},"featured_img_caption":"","series_order":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9UXv9-VS","jetpack-related-posts":[{"id":840,"url":"https:\/\/bicon.li\/en\/2016\/01\/15\/digitalisierung-chance-oder-gefahr-fuer-den-finanzplatz\/","url_meta":{"origin":3588,"position":0},"title":"Digitalisierung: Chance oder Gefahr f\u00fcr den Finanzplatz?","author":"Volkmar Ritter","date":"2016-01-15","format":false,"excerpt":"F\u00fcr viele von uns ist es heute selbstverst\u00e4ndlich, sich via Netflix TV-Serien anzusehen; einfach per Handy ein Uber-Taxi zu bestellen und bezahlen; Musik bei Spotify oder Apple per streaming, also ohne eigentlichen Kauf anzuh\u00f6ren, um nur einige popul\u00e4re digitale Konsum-Muster aufzuz\u00e4hlen. Diese Firmen haben durch die vollst\u00e4ndige oder teilweise Digitalisierung\u2026","rel":"","context":"In "Digitale Transformation"","block_context":{"text":"Digitale Transformation","link":"https:\/\/bicon.li\/en\/category\/digitaltransformation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/01\/2015-12-22-16.55.41.jpg?fit=1200%2C801&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/01\/2015-12-22-16.55.41.jpg?fit=1200%2C801&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/01\/2015-12-22-16.55.41.jpg?fit=1200%2C801&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/01\/2015-12-22-16.55.41.jpg?fit=1200%2C801&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/01\/2015-12-22-16.55.41.jpg?fit=1200%2C801&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":777,"url":"https:\/\/bicon.li\/en\/2015\/10\/15\/what-makes-a-bank-digital\/","url_meta":{"origin":3588,"position":1},"title":"Different Shades of Grey in Digital Banking","author":"Volkmar Ritter","date":"2015-10-15","format":false,"excerpt":"Digitalisation in Banking: The Shift Toward a Fully Digital Future The concept of digitalisation became a prominent force in the financial industry by 2015, signaling a paradigm shift in how banks operate and serve their clients. 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":[]},{"id":5396,"url":"https:\/\/bicon.li\/en\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/","url_meta":{"origin":3588,"position":2},"title":"Disruptive Digitale Innovationen im Banking","author":"Volkmar Ritter","date":"2022-12-23","format":false,"excerpt":"Digitale Innovationen verfolgen grunds\u00e4tzlich zwei Ziele: Mehr Effizienz und Automatisierung einerseits sowie Markt-, Service- und Produktneuheiten andererseits. Es gibt im Banking viele Beispiele von Innovationen f\u00fcr zus\u00e4tzliche Effizienz. Man denke beispielsweise an Neo-Banken, SEPA Instant Payments, elektronische B\u00f6rsen, Trading Apps oder Robo-Advisors. 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Doch was ist eigentlich eine Innovation? Hilfreich hierbei ist die Abgrenzung zur Invention resp. einer Erfindung im eigentlichen Sinne. Eine Erfindung ohne unmittelbare wirtschaftliche Anwendung oder Nutzen ist eine Invention. Die erfolgreiche Umsetzung am\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\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2020\/10\/innovation.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":6363,"url":"https:\/\/bicon.li\/en\/2023\/10\/11\/the-evolution-of-banking-key-technologies-shaping-the-future\/","url_meta":{"origin":3588,"position":4},"title":"The Evolution of Banking (Part II): Key Technologies Shaping the Future","author":"Volkmar Ritter","date":"2023-10-11","format":false,"excerpt":"The banking industry, once characterized by its traditional bricks and mortar establishments is undergoing a radical transformation. This metamorphosis is driven by technological advancements that are reshaping the way financial institutions operate and serve their customers. In the second part of the series \"The Evolution of Banking\" I will delve\u2026","rel":"","context":"In "Artificial Intelligence"","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":6433,"url":"https:\/\/bicon.li\/en\/2023\/09\/12\/the-evolution-of-banking-from-digitization-to-digital-transformation\/","url_meta":{"origin":3588,"position":5},"title":"The Evolution of Banking (Part I): From Digitization to Digital Transformation","author":"Volkmar Ritter","date":"2023-09-12","format":false,"excerpt":"The progression from the digitization of analogue information to the comprehensive digital transformation marks a revolutionary shift in the banking sector. This article (first part of a series) explores this journey, focusing on pivotal moments that led from the mere conversion of physical records into digital formats to a profound,\u2026","rel":"","context":"In "Digitale Transformation"","block_context":{"text":"Digitale Transformation","link":"https:\/\/bicon.li\/en\/category\/digitaltransformation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2023\/11\/Digital-Evolution-in-Banking.webp?fit=1200%2C686&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2023\/11\/Digital-Evolution-in-Banking.webp?fit=1200%2C686&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2023\/11\/Digital-Evolution-in-Banking.webp?fit=1200%2C686&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2023\/11\/Digital-Evolution-in-Banking.webp?fit=1200%2C686&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2023\/11\/Digital-Evolution-in-Banking.webp?fit=1200%2C686&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"publishpress_future_action":{"enabled":false,"date":"2026-07-10 21:25:50","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\/3588","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=3588"}],"version-history":[{"count":0,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/3588\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media\/7012"}],"wp:attachment":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media?parent=3588"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/categories?post=3588"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/tags?post=3588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}