中量金融手机版下载(中量网期货)

　　花旗银行(Citi GPS)最近发布了一份耸人听闻的报告——“FinTech是怎么把银行业逼向引爆点的”（DIGITAL DISRUPTION How FinTech is Forcing Banking to a Tipping Point）。标题中那个bigger满满的FinTech，直译的话是“金融科技”。FinTech公司的使命是：用科技让金融运作更高效。我们熟悉的 PayPal、支付宝、陆金所这些，都属于这个范畴。花旗报告称，FinTech（互联网金融）正在影响未来银行业的经营模式——未来银行机构可能会更多专注在咨询和顾问业务，而非交易业务。这是因为银行实 体网点的投资回报率在逐渐降低，银行分支及其人力成本占银行零售业务成本的65%，而这些成本中很大的是可以通过自动化省下来的。花旗报告称，中国的第三方支付就像是另一个银行系统一样。第三方支付相比银行有胜之而无不及之处是：第三方支付公司将支付当做是接触用户的一个入口，这有 助于它们日后向其提供更多金融服务，比如“存款”和财富管理服务（余额宝），借贷服务（蚂蚁小额贷款）以及网络银行服务（网商银行）。单单支付这一活动就 能积累大量有价值的用户交易数据。“FinTech是怎么把银行业逼向引爆点的”（DIGITAL DISRUPTION How FinTech is Forcing Banking to a Tipping Point）

　　目录 Contents How FinTech Changes Finance Disruption Tipping Point Silicon Valley Is Coming "Hundreds of Startups with a Lot of Brains and Money"Where Are the FinTech Dollars Going?Different Is Better than CheaperRevenue Risks for Incumbents by CustomerDigital Disruption Tipping Point Disruption Tipping PointA Strategists View: Q&A with Greg Baxter Disruption Tipping PointA Venture Capitalist's View: Q+A with Johan LundbergRevenue Risks: Country AnalysisWhat's Chinese for Unicorn? Payment & E-Commerce: China LeadsChina's Vibrant Payment InnovationsAlipay: China's PayPal and MoreTenpay: Leader in P2P PaymentsOnline Payments and Digital Wallets in the US Mobile Money: A FinTech RevolutionMobile Money Still in InfancyMobile Money Case Study: Kenya, Nigeria & South AfricaIndia at the Tech Frontier: The Next Kenya or China? Emerging Market Mobile MoneyA Case Study: Q+A with Aditya Menon Marketplace Lending: The Challenges Are HighChina: The Largest P2P Market in the WorldP2P Lending in the US and EuropeRisks to Marketplace Lending Platforms Banking's Uber MomentConnectivity Replaces Physical AssetsShifting Customer BehaviorBranches Halved Already in the NordicsDigitization to Drive Cost Efficiency Branch of the Future:Q+A with Jonathan LarsenIn South and South East Asia, More BranchesWhy Are Branches Blossoming in US Cities? People: Automation Tipping PointEarly Stage of Headcount ReductionInvestment Bank Headcount Reduction: Talk HighNot East to Be a Tech CompanyLegacy IT System Costs: Australian Banks Study Blockchain: The Next Big Thing?Blockchain Use CasesWinners and Losers of BlockchainRobo-Advisors: Complementary, not SubstitutionalComplementary Not SubstitutionalAppendix: Citi's Digital Money Index

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