Digitalisierung: Banken mit veraltetem “Schaltplan”

Von Ralf Keuper

Wer sich die diversen Initiativen einiger Banken aber auch die Empfehlungen vieler Berater ansieht, die digitale Transformation in der Finanzbranche voran zu bringen, hat nicht selten den Eindruck, dass hier noch immer ein Denken aus dem Industriezeitalter dominiert, d.h. die Kommunikation findet in der Weise statt, dass von einem geschlossenen System aus in gebündelter Form mit den einzelnen Kunden interagiert wird. Kurzum: Es findet noch immer der Schaltplan der Massenmedien Verwendung.

Statt Vernetzung wählen viele Banken, implizit, noch immer die Verbündelung, um eine Klassifizierung des Medienphilosophen Vilém Flusser aufzugreifen.

Die Massenmedien senden Bündel von Informationen an Empfänger, die darauf nicht direkt antworten können und damit in gewisser Weise als unmündig betrachtet werden. Die Vernetzung dagegen erschafft kleine Inseln der Kommunikation. Hier verläuft die Kommunikation anders – direkt vom Sender zum Empfänger und zurück. Im besten Fall ein Dialog also.

Die eigentliche Kommunikations- oder Medienrevolution besteht für Flusser darin, dass die Informationsströme umgelenkt werden und zwischen den Bündeln und den Inseln oszillieren.

Die informatische Revolution macht die bisherige Trennung von Öffentlich und Privat weitgehend überflüssig:

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