{
    "id": 4638,
    "date": "2023-10-27T09:52:05",
    "date_gmt": "2023-10-27T09:52:05",
    "guid": {
        "rendered": "http:\/\/100.28.163.57\/?p=4638"
    },
    "modified": "2024-03-08T11:18:01",
    "modified_gmt": "2024-03-08T11:18:01",
    "slug": "the-digital-revolution-in-banking-8-key-drivers-of-change",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/sprinterra.com.ua\/en\/the-digital-revolution-in-banking-8-key-drivers-of-change\/",
    "title": {
        "rendered": "The Digital Revolution in Banking: 8 Key Drivers of Change"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"4638\" class=\"elementor elementor-4638\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7d9a8334 e-flex e-con-boxed e-con e-parent\" data-id=\"7d9a8334\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39040991 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"39040991\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The Digital Revolution in Banking: 8 Key Drivers of Change<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61b9db1b elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"61b9db1b\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7693618 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-user\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tSprinterra\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-663091d elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/sprinterra.com.ua\/en\/2023\/10\/27\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>October 27, 2023<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-db2e804 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-clock\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-time\">\n\t\t\t\t\t\t\t\t\t\t<time>9:52 am<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-138b7c45 e-flex e-con-boxed e-con e-parent\" data-id=\"138b7c45\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4ef3cb55 e-con-full e-flex e-con e-parent\" data-id=\"4ef3cb55\" data-element_type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-53faa508 e-flex e-con-boxed e-con e-parent\" data-id=\"53faa508\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d853c30 elementor-widget elementor-widget-text-editor\" data-id=\"5d853c30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The banking industry is undergoing a massive digital transformation. From customer experiences to back-end processes, technology is disrupting how banks operate and deliver value. What are the key factors propelling this digital revolution in the banking sector?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-663c5b4 elementor-widget elementor-widget-heading\" data-id=\"663c5b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Changing Customer Expectations<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d087589 elementor-widget elementor-widget-text-editor\" data-id=\"1d087589\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Today&#8217;s customers expect seamless, unified digital banking services accessible whenever and wherever they want. They want the convenience of sophisticated mobile apps, intuitive web portals, and omnichannel access. Banks now must digitize their offerings to align with these rapidly evolving customer needs and preferences.<\/p><p>According to a <a href=\"https:\/\/www.statista.com\/statistics\/1119759\/number-digital-banking-users-usa\/\">Statista report<\/a>, approximately 217 million Americans will use digital banking services by 2025, up from 197 million in 2021. This reflects how customers are increasingly embracing mobile and online banking over traditional physical branch banking. Banks that do not transform to provide top-notch digital experiences risk losing customers to more agile competitors.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-263afbc2 e-con-full e-flex e-con e-parent\" data-id=\"263afbc2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d0df71e elementor-widget elementor-widget-image\" data-id=\"3d0df71e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"871\" src=\"https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/08\/property-management.jpg\" class=\"attachment-full size-full wp-image-4203\" alt=\"Man Holding miniature skyscrapers on his palm\" srcset=\"https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/08\/property-management.jpg 900w, https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/08\/property-management-300x290.jpg 300w, https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/08\/property-management-768x743.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2c7d63d6 e-flex e-con-boxed e-con e-parent\" data-id=\"2c7d63d6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-238cbc78 elementor-widget elementor-widget-heading\" data-id=\"238cbc78\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Enhanced Data Analytics<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d569c7 elementor-widget elementor-widget-text-editor\" data-id=\"6d569c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Data is now a powerful asset that banks can utilize to their advantage. Analyzing customer data and transactions provides valuable insights into behaviors, preferences, trends and market opportunities. Banks can leverage analytics to offer hyper-personalized product recommendations, predict customer needs, and continuously improve services.<\/p><p>Granular customer data further aids with critical risk management. Effective predictive analytics helps detect patterns of fraud or defaults early. With customers highly concerned about data security, banks that harness data intelligently can gain a competitive edge.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4fa613 elementor-widget elementor-widget-heading\" data-id=\"3a4fa613\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Operational Efficiency<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24fd4437 elementor-widget elementor-widget-image\" data-id=\"24fd4437\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"287\" src=\"https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/10\/photo-1.jpg\" class=\"attachment-full size-full wp-image-4576\" alt=\"girl laptop graphs\" srcset=\"https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/10\/photo-1.jpg 500w, https:\/\/sprinterra.com.ua\/wp-content\/uploads\/2023\/10\/photo-1-300x172.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73215c7c elementor-widget elementor-widget-text-editor\" data-id=\"73215c7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Going digital significantly boosts operational efficiency for banks. Automating previously manual processes through robotic process automation drastically reduces costs and errors. AI-powered chatbots can handle routine customer queries, freeing up human staff for higher-value tasks. Blockchain streamlines back-office functions like interbank transactions. Cloud computing, open APIs and microservices enable much greater agility.<\/p><p>According to an <a href=\"https:\/\/www.accenture.com\/_acnmedia\/PDF-49\/Accenture-Banking-Digital-Transformation-PoV.pdf\">Accenture report<\/a>, top performing banks that embrace comprehensive digital transformation save approximately $80 million annually through efficiency gains. Streamlining operations allows redirecting savings towards innovation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e462b2 elementor-widget elementor-widget-heading\" data-id=\"4e462b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Revenue Growth Opportunities<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34e79e94 elementor-widget elementor-widget-text-editor\" data-id=\"34e79e94\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>New technologies powered by digital transformation create new potential revenue streams for banks as well. Digital channels allow banks to tap into previously unbanked customer segments through targeted services. Granular customer data provides cross-sell and upsell opportunities leading to higher profitability. Participating in open banking ecosystems via APIs generates new transaction fee income.<\/p>\n<p>Hyper-personalization powered by AI increases sales conversions across channels. As per <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/accelerating-winds-of-change-in-global-payments\">McKinsey<\/a>, digital transformation initiatives across banking could generate approximately 20-50% increase in revenues if executed effectively. The digital path forward thus promises lucrative rewards for banks that seize the opportunities.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dde844 elementor-widget elementor-widget-heading\" data-id=\"0dde844\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Regulatory Compliance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d98c662 elementor-widget elementor-widget-text-editor\" data-id=\"d98c662\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Keeping pace with regulations is a critical imperative for the highly regulated <a href=\"http:\/\/100.28.163.57\/blog\/top-5-banking-apps-of-2023-did-your-bank-make-the-cut\/\">banking<\/a> sector. Fortunately, digitization and automation significantly enhance compliance capabilities. eKYC and online identity verification simplify typically cumbersome due diligence procedures. Activity monitoring frameworks and advanced analytics aid in adhering to reporting requirements. Pervasive data encryption and stringent access controls boost security and privacy.<\/p><p>Specialized regtech solutions can provide robust monitoring, controls, auditing and reporting to ensure banks remain compliant and avoid hefty penalties. Hence <a href=\"http:\/\/100.28.163.57\/retail-banking-digital-transformation-and-how-sprinterra-is-acing-this-space\/\">digital transformation<\/a> is key not just for competitive edge but also for regulatory compliance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2543857 elementor-widget elementor-widget-heading\" data-id=\"2543857\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Competitive Pressures<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00c04f5 elementor-widget elementor-widget-text-editor\" data-id=\"00c04f5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Customer-centric financial technology disruptors are upping competitive pressures on established banks. To remain relevant and avoid losing market share, banks must digitally transform services to rival the seamless experiences delivered by agile fintech competitors.<\/p><p>This means having digital-first omnichannel engagement, hyper-personalization powered by data, and constant innovation around products.<br \/>As per a recent EY survey, around 80% of banking CXOs felt an urgent strategic need to digitally transform their services and operations to remain competitive in today&#8217;s dynamic landscape. The drive to go digital is no longer optional &#8211; it is a strategic business mandate.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22e54f6 elementor-widget elementor-widget-heading\" data-id=\"22e54f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pandemic-Induced Acceleration<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39b83b8 elementor-widget elementor-widget-text-editor\" data-id=\"39b83b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The COVID-19 pandemic significantly accelerated digital adoption across sectors, as customers switched to mobile and online channels avoiding physical branches. Remote work mandates due to lockdowns also necessitated rapid digitization initiatives within banks for business continuity. In essence, banks saw years\u2019 worth of digital transformation within months during the pandemic.<\/p><p>According to <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-covid-19-has-pushed-companies-over-the-technology-tipping-point-and-transformed-business-forever\">McKinsey<\/a>, the adoption levels of digital banking in the United States grew nearly two-fold in 2020 alone as the pandemic compelled banks to digitize rapidly. While challenging, the pandemic provided an unexpected push to onboard customers onto digital platforms, thereby fast-tracking transformation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2db585 elementor-widget elementor-widget-heading\" data-id=\"f2db585\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">New Workforce Expectations<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-072bf41 elementor-widget elementor-widget-text-editor\" data-id=\"072bf41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As millennials and Gen Z join the mainstream workforce, their expectations around work experiences are changing dramatically. Employees now expect digitally-enabled flexible and remote work options. They demand digital tools, technologies and regular upskilling opportunities to accelerate their skills development. Banking workplaces must transform digitally to be able to attract and retain this emerging talent.<\/p><p>Per a <a href=\"https:\/\/www.pwc.com\/gx\/en\/issues\/c-suite-insights\/ceo-survey-2023.html\">PwC survey<\/a>, approximately 65% of banking CEOs highlighted the accelerated war for digitally skilled talent as a top business concern. Hence, building an upskilled digital workforce becomes foundational to digital transformation.<\/p><p>In summary, baking in customer centricity, operational efficiency, rapid innovation, revenue growth and watertight compliance into the organizational DNA requires comprehensive digital transformation. As emerging digital trends continuously reshape banking, investing in digital becomes an urgent strategic priority for banks to thrive amid rapidly evolving industry dynamics.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca0b63a elementor-widget elementor-widget-heading\" data-id=\"5ca0b63a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The bottom line <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3584ddb3 elementor-widget elementor-widget-text-editor\" data-id=\"3584ddb3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Rapidly advancing technologies coupled with changing consumer behaviors necessitate that banks continually transform digitally to deliver competitive and compliant services. The digital revolution provides the strategic edge incumbent banks need to build customer loyalty and unlock new growth opportunities.<\/p><p>Empower your bank with future-ready digital capabilities. Contact Sprintera, a leading <a href=\"http:\/\/100.28.163.57\/\">custom software development company<\/a>, to embark on your transformation journey today!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-ca3b35c e-flex e-con-boxed e-con e-parent\" data-id=\"ca3b35c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5e95b6fe e-con-full e-flex e-con e-parent\" data-id=\"5e95b6fe\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116ffe2f elementor-widget elementor-widget-heading\" data-id=\"116ffe2f\" data-element_type=\"widget\" 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