Digitaler Kundenzugang: Neue (Finanz-)Intermediäre

Von Ralf Keuper

Wie bereits gestern an dieser Stelle angemerkt, können wir uns derzeit vor Studien zur Digitalen Transformation kaum noch retten. Es fällt zunehmend schwerer aus der Vielzahl diejenigen herauszufiltern, die mehr als nur Allgemeinplätze enthalten und nicht auf veralteten Annahmen basieren.

Einer dieser wenigen Fälle ist m.E. die Analyse zur Studie Die Digitale Transformation der Industrie von Roland Berger im Auftrag des BDI. Diese Einschätzung wird auch dadurch nicht getrübt, dass darin Banken nicht vorkommen, was m.E. wiederum einiges über die ansonsten kursierenden Studien zur Digitalen Transformation in den Banken aussagt. Vielleicht aber lässt sich das als weiteres Indiz dafür werten, dass die Digitale Transformation in einem größeren Zusammenhang betrachtet werden muss.

Wie auch immer. Banken werden in der Fachliteratur häufig als Finanzintermediäre bezeichnet. Seit einiger Zeit können wir eine wachsende Disintermediation im Banking, u.a. durch die zahllosen FinTech-Startups, beobachten. Dieser Prozess scheint noch lange nicht an sein Ende gekommen; eine Folgerung, die sich aufdrängt, liest man allein nur den Abschnitt Digitaler Kundenzugang: Neue Intermediäre durch:

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