Banking im digitalen Zeitalter. Why Banking Is No Longer Somewhere You Go, But Something You Do
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Banking im digitalen Zeitalter. Why Banking Is No Longer Somewhere You Go, But Something You Do

Banking im digitalen Zeitalter. Why Banking Is No Longer Somewhere You Go, But Something You Do


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About the Book

Studienarbeit aus dem Jahr 2014 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Fachhochschule Hof, Sprache: Deutsch, Abstract: Es stellt sich die Frage, ob und in welcher Form Banken in der Zukunft bestehen werden oder ob sich die von Bill Gates Mitte der neunziger Jahre geäußerte Vermutung "We need banking, but no banks" bewahrheiten wird. Im Fokus der Betrachtung steht dabei der Trend zur Digitalisierung als zentrale Herausforderung der Banken. In diesem Zusammenhang sollen zunächst die Hintergründe und Ursachen des aktuellen Handlungsbedarfs beleuchtet werden. Im Anschluss daran werden konkrete Lösungsansätze aus Sicht der Banken und mögliche Erfolgsfaktoren aufgezeigt und bewertet, bis abschließend ein Resümee gezogen wird. In Zeiten verschärfter Regulierung und zunehmend volatiler Erträge im Bereich des Investment-Banking besinnen sich Deutschlands Banken zurück auf das Privatkundengeschäft, welches in der Regel als konjunkturunabhängig und stabil gilt. Insbesondere in Anbetracht der gestiegenen Eigenkapitalanforderungen durch Basel III können die Kundeneinlagen zur Refinanzierung und die daraus generierten Erträge zur Verbesserung der Gewinnsituation beitragen. Dabei sehen sich Banken jedoch mit zahlreichen Herausforderungen konfrontiert. Zunächst einmal wird der neu entfachte Wettbewerb um Privatkunden durch das ungünstige Marktumfeld behindert. Das anhaltend niedrige Zinsniveau begrenzt die Möglichkeit der Banken, hohe Zinsen und damit attraktive Renditen auf Tages- bzw. Festgeld anzubieten, wodurch sich wiederum der Profitabilitätsdruck im Privatkundengeschäft erhöht. Zudem befindet sich Deutschlands Kreditwirtschaft seit Ausbruch der globalen Finanz- und Wirtschaftskrise 2008/2009 und der europäischen Staatsschuldenkrise 2011/2012 in der schwersten Vertrauenskrise der Nachkriegsgeschichte. Laut einer Studie des Beratungsunternehmens Bain & Company äußert sich dieses vor allem durch Fehlberatungen bedingte Misstrauen in einer besonders h


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Product Details
  • ISBN-13: 9783346151377
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 30
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 3346151379
  • Publisher Date: 13 Apr 2020
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 100 gr


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