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Trendergebnisse der IAO-Studie Bank&Zukunft 2009 : Bank 2.0
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Trendergebnisse der IAO-Studie Bank&Zukunft 2009 » Von Martin Engstler » Beitrag » Bank 2.0

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Trendergebnisse der IAO-Studie Bank&Zukunft 2009


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Das Innovationsforum Bank&Zukunft des Fraunhofer IAO hat die neue Bankentrendstudie herausgegeben. Die herausragensten Trends sollen hier zusammengefasst werden. Herausragend bedeutet, dass mindestens 80% und mehr der teilnehmenden Banken diesen Punkt als eigene Strategie genannt oder für wichtig erachtet haben:

BUZ Trends

Zu den einzelnen Trends…
Vertriebsmanagement
Im Vertriebsmanagement stehen die Festigung der Kundenbindung und die Ausschöpfung des Potenzials von bestehenden Kundenbeziehungen an erster Stelle. Ziel ist es, dem Trend zunehmend »vagabundierender« Kunden bei bestimmten Bankprodukten durch eine individuelle Kundenansprache sowie Mehrwerte im klassischen Sinn einer Hausbank zu begegnen.

Direktvertrieb
Die hohe Marktdurchdringung im Bereich des Internetbanking sowie die Bedeutung des Mediums Internet bei Informationsprozessen wird von den Banken nun als Chance und Notwendigkeit bewertet, die Leistungen in diesem Vertriebsweg auszubauen. Vier von fünf Banken nannten bei den Investitionen im Direktvertrieb die Weiterentwicklung der Services im Internet an erster Stelle. Eine wichtige Rolle spielen dabei auch die Potenziale der Anwendungen des Web 2.0 für Kunden und Berater.

Industrialisierung
Das mit Abstand am wichtigsten bewertete Managementkonzept im Kontext der Bankenindustrialisierung ist das Benchmarking.

IT-Einsatz
Die Mehrheit der Befragten misst der Reduzierung der IT-Kosten insgesamt mit 82 Prozent die höchste Bedeutung zu. Damit reagieren die Banken auf die gegenwärtigen Entwicklungen und betrachten die IT primär unter monetären Aspekten. IT-Innovationen zur Steigerung der Ertragsseite treten demgegenüber in den Hintergrund.

Web 2.0 Einsatz
Knapp ein Viertel der Befragten hat ausgewählte Web 2.0 Lösungen im Pilot- bzw. Live-Betrieb. Dieses bedeutet eine Steigerung im Vergleich zur Trendstudie »Bank & Zukunft 2008«, im Rahmen derer 85 Prozent der Teilnehmer einen Einsatz zum damaligen Zeitpunkt verneinten. Bedeutung seitens der Befragten haben diese Technologien insbesondere im Zuge der Informationsbereitstellung. So bewerteten knapp 90 Prozent der Teilnehmer die Bedeutung von Anwendungen des Web 2.0 zur Informationsbereitstellung für Kunden als mittel bis hoch.

Ertragsquellen in 2015
Erstmals wurde in der vorliegenden Studie eine Einschätzung der Bankmanager zu den erwarteten Top-3-Etragsquellen einer Universalbank im Jahr 2015 erhoben. Für die Zukunft erwarten die Bankmanager keine radikalen Veränderungen in den Ertragsquellen. An erster Stelle von insgesamt zehn genannten Ertragsquellen stehen mit 86 Prozent der Nennungen Zinserträge und Konditionsbeiträge.

Vorbereitung auf die Zukunft
Die erwarteten Veränderungen im Bankenmarkt und in den Geschäftsmodellen der Banken werden von 84 Prozent der Befragten als kontinuierlicher Veränderungsprozess im Markt bewertet.

Die Zusammenfassung der Trendstudie ist in der Anlage als Download verfügbar.

Die Studie kann zum Preis von 65,- Euro im IAO-Shop erworben werden: Spath (Hrsg.), Engstler, Praeg, Vocke: Trendstudie Bank&Zukunft 2009 Innovationsstrategien in turbulenten Zeiten; Fraunhofer IAO, Stuttgart.

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  1. 1 Kommentar(e)

  2. Von Wilhelm M. am
    Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 14

    Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 23

    Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 25

    Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 27

    Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CEST/2.0/DST' instead in /homepages/3/d24003326/htdocs/bank-zweinull/wp-includes/functions.php on line 28
    28. August 2009
    | Antworten


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    Guten Tag,

    ich möchte einmal eine Einschätzung aus Kundensicht liefern.

    Die Banken tun gut daran, in Online-Services zu inverstieren, denn dies ist der Markt der Zunkunft. Ich habe seit einiger Zeit Tagesgeld und weitere Anlagen bei Instituten, die Online-Service bieten und bin sowohl von der Qualität der, wie auch von der Kostenersparnis durch die Services sehr angetan.

    Mit freundlichem Gruß
    Wilhelm M.

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