Von Ralf Keuper
Es ist hin und wieder erstaunlich beobachten zu können, dass in den Banken und bei den meisten FinTech-Startups eine Systemsicht vorherrschend ist, die den Akteuren häufig nicht bewusst ist, ihren Ambitionen aber enge Grenzen setzt.
Damit ist gemeint, dass sich Banken und FinTech-Startups noch in einer Welt bewegen, die es so nicht mehr gibt: Die Abwicklung weiter Teile des Geschäfts und der Kommunikation über öffentliche Infrastruktur und Anbieter, mit denen man selbst nicht in direkter Konkurrenz steht. In der Vergangenheit konnten die Banken bei der Nutzung der Telekommunikationsinfrastruktur wie auch anderer Infrastrukturen (z.B. Verkehr) davon ausgehen, dass sie es hier nicht mit Mitbewerbern zu tun haben. Die Filialräume wurden häufig privat angemietet, die Vermieter waren und sind selber nicht im Finanzgeschäft tätig.
Heute verläuft die Kommunikation weitestgehend über das Internet und damit über digitale Ökosysteme (Apple, Google, Alibaba, Samsung, facebook), die sich in privater Hand befinden. Das ist der entscheidende Unterschied. Alle Versuche der Banken und FinTech-Startups daher, über den Einsatz neuer Technologien diese Systemgrenzen zu überwinden, müssen fehlschlagen – solange, wie sich die Machtverhältnisse im Inter…
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