{"id":5396,"date":"2022-12-23T08:00:00","date_gmt":"2022-12-23T07:00:00","guid":{"rendered":"https:\/\/bicon.li\/?p=5396"},"modified":"2026-01-14T01:05:21","modified_gmt":"2026-01-14T00:05:21","slug":"disruptive-digitale-innovationen-im-banking","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/","title":{"rendered":"Disruptive Digitale Innovationen im Banking"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Digitale <a href=\"https:\/\/bicon.li\/en\/2020\/10\/15\/innovation\/\">Innovationen <\/a>verfolgen grunds\u00e4tzlich zwei Ziele: <a href=\"https:\/\/bicon.li\/en\/2021\/03\/17\/die-zukunft-des-digital-banking\/\">Mehr Effizienz und Automatisierung einerseits sowie Markt-, Service- und Produktneuheiten andererseits<\/a>. Es gibt im<a href=\"https:\/\/bicon.li\/en\/2016\/02\/15\/the-future-stars-of-fintech\/\"> Banking viele Beispiele von Innovationen<\/a> f\u00fcr zus\u00e4tzliche Effizienz. Man denke beispielsweise an Neo-Banken, <a href=\"https:\/\/payhawk.com\/blog\/what-is-instant-sepa-a-look-behind-the-curtains#\" target=\"_blank\" rel=\"noreferrer noopener\">SEPA Instant Payments<\/a>, elektronische B\u00f6rsen, Trading Apps oder <a href=\"https:\/\/bicon.li\/en\/category\/robo-advising\/\">Robo-Advisors<\/a>. Alle befassen sich mit klassischen Bankprodukten und -services wie Karten, Konten, W\u00e4hrungswechsel, \u00dcberweisungen, Wertschriftenhandel oder Verm\u00f6gensverwaltung, aber eben digitaler, effizienter, schneller und somit auch g\u00fcnstiger. Ein Beispiel f\u00fcr mehr Effizienz bei gleichzeitiger Markt- und Produktneuheit ist der <a href=\"https:\/\/en.m.wikipedia.org\/wiki\/Exchange-traded_fund\" target=\"_blank\" rel=\"noreferrer noopener\">b\u00f6rsengehandelte Fond (ETF)<\/a>, welcher Anlegern einen einfachen und sehr preiswerten Zugang zu einer Vielzahl von passiven indexbasierenden Fonds erm\u00f6glicht, was vorher nicht m\u00f6glich war.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Disruptive Digitale Innovationen schliesslich sind solche, die bestehende Strukturen und M\u00e4rkte radikal und schnell ver\u00e4ndern. Diese bedienen oft beide Zieldimensionen: Effizienz und Neuheit. Der ETF war sicherlich eine solche disruptive digitale Innovation.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Neue Technologien, wie die <a href=\"https:\/\/bicon.li\/en\/category\/blockchain\/\">Blockchain <\/a>und die <a href=\"https:\/\/bicon.li\/en\/category\/artificialintelligence\/\">k\u00fcnstliche Intelligenz<\/a>, sind wahrscheinlich die technologische <a href=\"https:\/\/bicon.li\/en\/2023\/10\/11\/the-evolution-of-banking-key-technologies-shaping-the-future\/\">Basis f\u00fcr k\u00fcnftige transformative Innovationen im Banking<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Auch bei der Blockchain gibt es effizienzgetriebene Anwendungsf\u00e4lle, wie beispielsweise ein sofortiges und synchrones Clearing und Settlement von Handelstransaktionen zwischen den B\u00f6rsen, den Banken und der Zentralbank. Bei solchen Vorhaben handelt es sich weniger um eine Revolution, sondern um eine effizienzgetriebene Evolution, welche man durchaus mit Innovationen in der Cloud vergleichen kann.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Betrachtet man jedoch die urspr\u00fcngliche Idee der Blockchain, so fehlt ein massgeblicher Aspekt bei diesen Effizienzvorhaben, n\u00e4mlich die Dezentralisierung des Vertrauens auf einer offenen Plattform. Dieser revolution\u00e4re Ansatz bei Finanzdienstleistungen, wo zentrales Vertrauen immer ein tragendes Element war, bietet die M\u00f6glichkeit f\u00fcr Innovationen mit Neuheitspotential. Relevante Beispiele sind Bitcoin und die Ethereum Smart Contract Plattform. Die sogenannten <a href=\"https:\/\/bicon.li\/en\/category\/defi\/\">Decentralized Finance (DeFi)<\/a> Protokolle zeigen jedoch leider eine Neigung zur Zentralisierung und sind oftmals nur im Namen dezentral. Eine Disintermediation bei Bankdienstleistungen ist aber k\u00fcnftig denkbar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn man sich die Entwicklung des Internets ansieht, wo sehr dominante und zentralisierte digitale <a href=\"https:\/\/bicon.li\/en\/2016\/10\/22\/middlemen-are-the-new-stars\/\">Mittelsm\u00e4nner <\/a>(Plattformen) entstanden, obwohl zu Beginn deren Verschwinden prophezeit wurde, kann man bez\u00fcglich der digitalen Dezentralisierung durchaus skeptisch sein. Die Digitale \u00d6konomie hat u.a. durch Netzwerkeffekte, angefangen von Office Produkten, \u00fcber Social Media bis zum Onlinehandel eine Tendenz zu zentrierten und monopol\u00e4hnlichen Strukturen. Dies wiederum ist ein guter N\u00e4hrboden f\u00fcr die Disruption.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die k\u00fcnstliche Intelligenz hat das Potential f\u00fcr disruptive Innovationen in beiden Zieldimensionen, obwohl die konkreten Beispiele hierf\u00fcr noch in den Kinderschuhen stecken. Wenn man mit dem Algorithmus <a href=\"https:\/\/chat.openai.com\/chat\" target=\"_blank\" rel=\"noreferrer noopener\">ChatGPT von OpenAI<\/a>, welcher in den vergangenen Wochen durch die Medien ging, experimentiert, kann man aber erahnen, was hier zeitnah Realit\u00e4t werden k\u00f6nnte.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Das Banking blieb bis jetzt von disruptiven digitalen <a href=\"https:\/\/bicon.li\/en\/2020\/10\/15\/innovation\/\">Innovationen <\/a>weitgehend verschont, speziell im Vergleich beispielsweise zur <a href=\"https:\/\/bicon.li\/en\/2015\/12\/22\/there-is-music-in-the-fintech-air\/\">Musikbranche<\/a>. Meine Prognose ist jedoch, dass in den automatisierbaren Gesch\u00e4ftsfeldern des Bankings, ausgel\u00f6st durch disruptive digitale Innovationen, eine Konzentration auf signifikant weniger relevante Marktteilnehmer stattfinden wird. Sofern dies nicht im Stil von Big Tech Unternehmen wie Amazon zu einer winner-takes-it-all Situation f\u00fchrt, werden sich die verbleibenden Anbieter mit stark sinkenden Margen begn\u00fcgen m\u00fcssen. Der ETF Markt zeigt diese Entwicklungen bereits eindr\u00fccklich auf. <br><br>Wer in dieser digitalen Transformation nicht mitspielen kann oder will, sollte sich auf in absehbarer Zeit nicht digitalisierbare und somit aber auch weniger skalierbare Dienstleistungen konzentrieren. <a href=\"https:\/\/bicon.li\/en\/2019\/11\/16\/quo-vadis-banking\/\">Jedoch auch hier werden digitale Hilfsmittel, intern wie auch f\u00fcr den Kunden, f\u00fcr den Erfolg unumg\u00e4nglich sein.<\/a><\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>Digitale Innovationen verfolgen grunds\u00e4tzlich zwei Ziele: Mehr Effizienz und Automatisierung ... <\/p>\n<p class=\"read-more-container\"><a title=\"Disruptive Digitale Innovationen im Banking\" class=\"read-more button\" href=\"https:\/\/bicon.li\/en\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/#more-5396\" aria-label=\"Read more about Disruptive Digitale Innovationen im Banking\">Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":4728,"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_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[45,17,32,12,21,16,35],"tags":[30],"class_list":["post-5396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificialintelligence","category-blockchain","category-digitaltransformation","category-fintech","category-robo-advising","category-strategy","category-wealthtech","tag-german","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\/2022\/03\/img_2467.jpg?fit=1800%2C1067&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Disruptive Digitale Innovationen im 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\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Disruptive Digitale Innovationen im Banking | BICon\" \/>\n<meta property=\"og:description\" content=\"Digitale Innovationen verfolgen grunds\u00e4tzlich zwei Ziele: Mehr Effizienz und Automatisierung ... 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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 &quot;Client Management&quot;","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":6433,"url":"https:\/\/bicon.li\/en\/2023\/09\/12\/the-evolution-of-banking-from-digitization-to-digital-transformation\/","url_meta":{"origin":5396,"position":1},"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 &quot;Digitale Transformation&quot;","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":[]},{"id":7353,"url":"https:\/\/bicon.li\/en\/2025\/12\/26\/2026-von-ki-demos-zur-bankfaehigen-generative-ai-faehigkeit\/","url_meta":{"origin":5396,"position":2},"title":"Bauplan f\u00fcr produktive GenAI im Banking&nbsp;","author":"Volkmar Ritter","date":"2025-12-26","format":false,"excerpt":"In vielen Banken hat GenAI bisher vor allem drei Dinge geliefert: Staunen, Pilotprojekte und ein paar Chatbots. 2026 wird das nicht mehr reichen. Der Vorteil entsteht dort, wo GenAI als wiederholbare Business Capability betrieben wird \u2013 sicher, nachvollziehbar, skalierbar und messbar entlang der Wertsch\u00f6pfungskette. Warum jetzt? Zwei Kr\u00e4fte treffen gleichzeitig\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","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\/2026\/01\/2026-GenAI-Banking-II.png?fit=1200%2C635&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/01\/2026-GenAI-Banking-II.png?fit=1200%2C635&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/01\/2026-GenAI-Banking-II.png?fit=1200%2C635&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/01\/2026-GenAI-Banking-II.png?fit=1200%2C635&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/01\/2026-GenAI-Banking-II.png?fit=1200%2C635&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2650,"url":"https:\/\/bicon.li\/en\/2020\/10\/15\/innovation\/","url_meta":{"origin":5396,"position":3},"title":"So, What Really Is Innovation?","author":"Volkmar Ritter","date":"2020-10-15","format":false,"excerpt":"Neben der Digitalisierung ist Innovation wohl eines der meist benutzten Schlagw\u00f6rter im Wirtschaftsjargon der letzten Jahre. 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. 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Die IT-Strategie bildet die technologische und organisatorische Grundlage, w\u00e4hrend die Digitalstrategie darauf abzielt, durch digitale Innovationen Wettbewerbsvorteile zu schaffen und das Gesch\u00e4ftsmodell eines Unternehmens zu\u2026","rel":"","context":"In &quot;Digitale Transformation&quot;","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\/2024\/07\/IT-Digital-Strategie.jpeg?fit=1200%2C600&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/07\/IT-Digital-Strategie.jpeg?fit=1200%2C600&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/07\/IT-Digital-Strategie.jpeg?fit=1200%2C600&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/07\/IT-Digital-Strategie.jpeg?fit=1200%2C600&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/07\/IT-Digital-Strategie.jpeg?fit=1200%2C600&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":681,"url":"https:\/\/bicon.li\/en\/2015\/12\/08\/margins-in-digital-banking\/","url_meta":{"origin":5396,"position":5},"title":"Margins and Differentiation in Digital Banking \/ FinTech","author":"Volkmar Ritter","date":"2015-12-08","format":false,"excerpt":"The rise of FinTech companies has reshaped the financial services landscape, challenging traditional bricks-and-mortar banks by leveraging technology to deliver more efficient and automated services. 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