虚拟银行颠覆亚洲金融服务市场：传统银行何去何从？.pdf
专家洞察 虚 拟 银 行 颠 覆 亚 洲 金 融 服务市场 IBM 商 业价值 研究院 Likhit Wagle IBM linkedin/in/likhit-wagle-8a3a2416Likhit.Wagleuk.ibm Arun BiswasIBM / linkedin/in/arun-biswas arunbsg.ibm Likhit Wagle IBM Arun / Arun 虚拟银行 银行业务新趋势 严格要求 (MAS) 1 TMRW 1 vs ATM / Monzo 200 ATM 2 (AI) AI AI / 3 4 2018 7,800 5 2017 24 30 62 386 7 Orange Bank 386 8 MAS 9 Orange Bank 2017 Orange Orange Bank 10 10Orange Bank Djingo 63% 47% 11Djingo Djingo Orange Bank 1/5 Djingo Djingo 3 124 AI IoT 4 AI AI IoT IBM iibvus.ibm 5 © Copyright IBM Corporation 2019 IBM Corporation New Orchard Road Armonk, NY 10504 2019 8 IBM IBM ibm Watson International Business Machines Corp. IBM Web Copyright and trademark information IBM ibm/legal/copytrade.shtml. IBM IBM IBM IBM IBM IBM 27 25 100101 03027303CNZH-00 1 Singapore to allow digital banks; MAS issuing up to 5 new licences: Tharman. The Strait Times. June 28, 2019. straitstimes/business/singapore-to-allow- virtual-banks-mas-issuing-up-to-fve-new-digital-bank-licences- tharman 2 Weiss, Sabrina. How Monzo, Revolut, Starling and N26 plan to topple legacy banks. Wired. May 15, 2019. wired.co.uk/article/monzo-starling-revolut- n26-banking-apps 3 Virtual Banking - Overview of the Current Landscape. Banking Digital Wholesale Bank Framework. Monetary Authority of Singapore. mas.gov.sg/-/media/Annex-B-Digital-Wholesale- Bank-Framework.pdf 10 Orange Bank brings unique customer experience with its virtual advisor powered by IBM Watson. Orange. June 3, 2018. orange/en/Press-Room/press- releases/press-releases-2018/Orange-Bank-brings-unique- customer-experience-with-its-virtual-advisor-powered-by- IBM-Watson 11 Digital Services in Banking: Customer Autonomy & Digital Care. SAB/CGI study by Next Content, carried out online in December 2017 with 1,021 people, representative of the French population connected to the internet (based on age, sex and CSP criteria). 12 Foster, Mark. The Cognitive Enterprise: Reinventing your company with AI. Introduction. IBM Institute for Business Value. February 2019. ibm/thought- leadership/institute-business-value/report/cognitive- enterprise
