Die Bank als digitale Plattform – Versuch einer Begriffsklärung #2

Von Ralf Keuper

Nach einer Phase der scheuen Annäherung schweben Banken und Fintechs gerade, glaubt man einigen Kommentatoren, entrückt von Zeit und Raum, im Himmel. Wie andere Verbindungen auch, so müssen auch diese, so jedenfalls der Volksmund, letztlich auf Erden gelebt werden; und da sieht die Sache schon etwas anders aus.

Doch zunächst zu den Argumenten, die für eine Verbindung zu sprechen scheinen.

Exemplarisch dafür ist der lesenswerte Beitrag Banking-as-a-Service: Common play of banks and fintech. Dort heisst es:

In next few years, we will see banking-as-a-service model like any other service. Traditional financial house will act as a payment and accounting engines, service will be built on top of those smaller traditional banks. Anyone can build customer centric service on top of the traditional banking system. This will provide customer bank agnostic services. Services will be pay per use.

Das Szenario ist alles andere als abwegig. Die Frage ist nur, ob man dazu wirklich noch Banken, wie wir sie kennen, benötigt? Auch der Autor plant nicht mehr mit der guten alten Universal- und Filialbank. Demnach würden Banken im Back End agieren und für sichere und den regulatorischen Bestimmu…

Dieser Beitrag wurde unter Digitale Plattformen / Plattformökonomie abgelegt und mit verschlagwortet. Setze ein Lesezeichen auf den Permalink.

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