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Banks will disappear. If this statement was made a few years ago, most people might feel a little alarmist, but I'm afraid it won't be surprising to say it again now.
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The book "The Disappearing Bank" was published in 215 and introduced in 217. In just a few short years, the environment of China's financial market has changed dramatically. Mobile payment has become one of China's "four new inventions". You can buy food without a wallet. When people are used to enjoying this fast service, they even forget that the large-scale popularization of mobile payment has only been two or three.
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The book "The Disappearing Bank" illustrates the impact of new technology and finance enterprises on the traditional banking industry from the aspects of daily banking, loans, savings and investment, payment, international remittance, fund management and currency, and divides the process into "replacement", "reduction" and "disintegration".
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These three stages are in full swing in China. In addition to the payment business, more financial services provided by Internet companies are also brought to everyone's mobile phones with the wave of mobile Internet. Now, financial products such as wealth management and insurance can be purchased through mobile phones, and they can APPly for and get loans immediately. When shopping, they can directly use credit payment without a bank credit card, and all these do not need to go to the bank for formalities at all, or even open the bank's app. Everyone enjoys more.
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As Bill Gates said in 1997, "We need banking, but we don't need banks anymore".
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2 words after reading The Disappearing Bank. jpg
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the pipeline of banks is in progress.
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The banking industry is unable to fight back, because it is difficult for the banking industry to find a definite opponent. After the banking business is split, it is eroded by the services of Internet technology companies. However, these Internet companies often do not intend to make profits by these services themselves, nor do they intend to turn themselves into banks. All they need is to integrate financial services into their overall user services. Some people may say that Alipay and Ant Financial are the rivals of the bank, but if you think about it deeply, you can understand that neither Alipay nor Ant Financial (online merchant bank) will eventually grow into a state-owned four banks. For example, some people say that the biggest rival of the operator is Tencent, but we all know that Tencent will not become an operator in the end, and the communication service itself has hardly brought any income to Tencent. It is new technologies that have impacted traditional industries, not one or several new Internet companies. New technologies are like weapons. Even if several Internet companies fall, new technology companies will raise new technologies and continue to impact traditional industries. Future companies are all technology companies, retail companies such as Amazon are technology companies, financial companies such as Ant Financial Services are technology companies, and media companies such as today's headlines are also technology companies. Technology is reshaping all walks of life. If banks aim at defeating competitors as in the past, they may fall into an embattled situation. Rebuilding banks with technology as a weapon may be the way out.
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The book "Bank 3." mainly provides a plan on how to use the power of science and technology to reform the bank. It can also be seen that our bank is currently experiencing some changes described in the book. Now the bank reform is normal, because we have entered a new era, and the previous era of relatively stable market and relatively stable enterprises has passed. For Internet companies born in the Internet age, there is no such thing as stability. Internet companies have been in a state of rapid change and rapid response, which requires traditional enterprises to adapt to this change, abandon the "old normal" and regard change as the "new normal". In this way, we can understand that there is no end to the banking reform at this stage, and we just chase into the new normal by running.
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but can the continuous reform make the banking industry run back to the front of the emerging internet finance enterprises? At least in the author's view, it can't be. Traditional banks with heavy burdens are bound to be struggling, so the plan given by the author in the book is to establish an independent beta bank. This principle is also discussed in detail in the book "The Innovator's Dilemma", and the past success of the enterprise will become an obstacle to your future success.
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Only by establishing a new institution that can make independent decisions and start from scratch can we achieve real innovation and improve efficiency, and truly reshape banking business with technology as the leading factor, thus leading the old enterprises to new success. There have been many classic cases of successful innovation by independent enterprises, such as the birth of WeChat and the counterattack of Huawei mobile phones. If WeChat is created by QQ team, it will be incredible; However, Huawei completely gave up manufacturing custom machine, an operator who was still profitable, and was more determined to burn the boat. This is entirely because independent institutions have independent decision-making ability and jumped out of the consideration of the original interests of the group, so it is possible to start from zero and realize subversive innovation.
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Although it may be far away to really set up an independent beta bank, this does not prevent us from rethinking. If we are in such a brand-new beta bank, what can we do, whether our current work is still valuable, whether the existing processes and methods can be improved and improved, and if everyone starts from themselves, thinks more about the nature and existing problems of their work, constantly thinks about the contents and methods in their work from scratch, and actively embraces change, we can also serve traditional enterprises. What's more, our thinking and efforts are not only for the development of enterprises, but also for ourselves. It is an inevitable trend that the traditional banking business will be replaced and disintegrated by new technologies, and the overall number of employees in the banking industry will inevitably be greatly reduced. We need to strive to keep our banks in the banks that will not be eliminated by the times and keep ourselves among the bankers that will not be eliminated. We should be prepared, such as the division, integration and reorganization of operators may also appear in the banking industry soon.
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In fact, banks will not disappear, just like operators will not disappear in the end. It's just that the traditional banks are gradually pipelined and lost contact with users, while the new "banks" only exist in the form of services. Perhaps Beta Bank is no longer the bank it is now, but as long as users can enjoy financial services anytime and anywhere, who cares whether it is a bank or not?