Digital Banking 26
Millennials
I want to start
with a chart of 102 start-ups attacking the retail banking value chain. I
believe I have already published a previous version, but it is a good habit to
revisit it from time to time.
102 fintech
startups. And none providing the complete banking experience. 102 points of
reference for those wanting to improve their services, leveraging on their
technical capabilities, customer base, footprint, reach, …. 102 ways to improve
aspects of a complete banking experience (and some more, if synergies are discovered).
A friend of mine sent me the access to the following
report - insights.fb.com/2016/01/25/millennials-money-the-unfiltered-journey/. This may be an example
of what to do with big data, but what really caught my attention was the report
content itself. In order to better understand Millennials financial behaviours
and attitudes, Facebook analysed conversations about financial matters on their
own network, listening to Millennials in their own words – again …be careful
what you write down …there is always someone reading. And when we observe their
financial behaviours and listen to Millennials describe their relationship with
money in their own words, they happen to be cautious (some would say too much),
diligent in paying down debt, careful with credit cards and dedicated to
accumulating savings. But they have the feeling – some may say they have
discovered the truth - there is more they should be doing with their money, and
there is no clear offer or guidance out there. Enjoy the reading, really
inspiring.
Talking about Millenials, check out these two ads that
were broadcast in the Superbowl – and they are not about beer. Guess who the
target was, guess what they were about.
Talking about
millennials, again …talking about fintech, again …check this out, again … and
ask yourselves if they deserve a try, if it is good to go through a Millennial experience
this weekend …up to you. Thanks, Mariano!
And finally a couple
things:
- For those “lazy-to-read” ….soundcloud.com/breakingbanks
- For those who believe the world is not global …. www.digitalattackmap.com
Have a great weekend
Cheers
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