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Banking of the Future

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From online account management to mobile apps, technology reshapes and redefines the way we bank today. We use a broad range of digital means and devices to make our data and money work harder for us. Apart from innovative digital technologies, growth of advanced banking services in the world is also evident. So, let us see some predictions for future banking.
 
New Technologies
 
Digital technologies have already been around for years in banking. There are many examples all around us. There are smart systems that can analyze the nuance of voice before gaining access to a certain bank account. Likewise, artificial intelligence algorithms help us to better save money for a specific goal by checking our account spending. We have also seen the increasing emergence of fintech services that deal with consumer banking issues. They allow devices, such as Amazon’s Echo, to purchase products for us based on voice direction.
 
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But what technologies will banking clients have at their disposal in near future? And how will those innovations improve our lives? It is a question that BBVA and similar online banking companies are working on every single day. Some fintech leaders stand for the introduction of virtual personal assistants, which are actually digital earpieces that will be linked to smartphones. Those personal assistants will be able to hear and remember everything you do. For example, they will be listening to the user's commands and actions and storing relevant data in the Cloud, which is supposed to benefit users. Thus, the system can remember the name of a certain person you met last year or a brand you have heard about. It will keep that information for years and tell you when needed.
 
And that is not all! Technology can go much further. Smart data management is the next big innovation that is likely to find application not only for money transactions but also for bill contents. This management will be based on the smart robo-advisor algorithms and will be protected with advanced biometric identity processes and block-chain distributed ledgers alike. It can be accessed by users through real-life, real-time conversations. As such, the tool will be capable of managing money safely and making important data available in a more accessible, easier way.
 
Growth in Mobile Banking
 
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In comparison with other fintech areas, payment is by far the most developed segment in banking. There are plenty of companies today, which dominate the B2C (business-to-consumer) space.
 
WeChat and Alipay are two major players in China. All these companies and their electronic services offer a great alternative to time-honored payment methods like money orders and checks.
 
Furthermore, PayPal is the leader when it comes to digital payments in the United States and Europe, but this American company operates on a daily basis, supporting worldwide online service and money transfers. Likewise, Android Pay and Apple Pay are leading wallet services for in-store mobile payments not only in the U.S. but also in countries around the globe. 
 
Besides online payments, the remittance segment has also experienced a big flourishing in the past years, mostly thanks to companies like TransferWise, Remitly, Azimo and WorldRemit.
 
Digital-only Banks
 
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Digital-only banks have great flexibility and the capability to provide consumers with innovative services that include much lower rates as compared to legacy banks. However, these banks are facing big problems regarding acquisition of customers. This is because more and more digital banks are flooding the market while customers don't want to leave the established, well-known banks. Customer acquisition is a daunting challenge for digital-only banks and it takes time to gain someone's trust. 
 
Things are not the same everywhere in the world. For instance, banking customers in North America show a greater readiness to switch their banks. While there are very few options when it comes to digital banks in the United States, there is a wealth of options to choose from in Europe. Digital-only banks compete both with each other and with legacy players for new customers. In this struggle for customers, legacy banks are still superior to digital players as their products and services are still too fresh. 
 
Yet, digital banks are slowly but surely acquiring ground in the U.S. What is more, upcoming regulations in some European countries will support digital-only banks in spreading their influence across the region. Consequently, legacy banks will be compelled to improve and/or redefine their offerings to stay in the game.
 
Digital Revolution
 
For many decades, banking has been considered an industry inaccessible to the digital revolution. That is because many people thought that computers can't completely replace in-person services. Yet, times have changed. With more than 3/4 of millennials in 2017, digital banking has become very popular all around the world. Rather than interfacing in a branch, more and more people prefer interacting with their banks digitally. This should not come as a surprise because digital cooperation is much faster, easier and safer.
 
By 2050, banking is likely to be totally digitalized and physical bank offices will be very rare. Physical stores will be unnecessary when it comes to the companies and banks that keep money and provide financial services. This means all banking questions are going to be solved online. To survive, traditional financial organizations and banks will have to implement digital services into all aspects of their business. Apart from that, the banks are likely to do many other businesses beyond financial and payment services.
 
We have already experienced growth in mobile banking in the recent years. This trend will be more popular in the coming years. Just as services in other industries, most banking services will be available on the cell phone. And this is where Apps and mobile companies will come in. In future, these companies will keep the money totally cashless and give you interest through your cell phone. 
 
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In addition to current banks, we can expect to see new digital-savvy companies dealing with banking services. Some big online companies (like Google, eBay, Amazon, Alibaba, QQ, Baidu and Apple) will expand their business acting as banks too. Actually, those companies will not act as typical banks but more like payment services that allow people to get finance online. They will use search engines and online platforms to provide all kinds of banking services. Amazon could roll out a variety of payment services that are easy to use and are quick. Those services offer one-on-one guidance that significantly improves money management. Although Google has a big potential to open a bank, it doesn't want to do this because there are a lot of other ways to capture financial data that do not require a physical bank. 
 
As for lending, we envision that individuals won't have lots of loans in future. Most people will have some type of single loan to fulfill their needs. Likewise, borrowers will utilize single loans to get the most affordable rates. Such a lending will be more flexible, transparent, and dynamic. It will let individuals make better decisions on consumption and saving.
 
Future banking will offer a lot of benefits to both individuals and businesses. Thus, it will allow us to pay our bills online, view our transactions, quickly transfer money and check on available funds in accounts. Budgeting online apps will allow us to manage our money in a much easier manner. We will be able to sync spending in real-time through money apps and thus prevent overspending while shopping at stores. All in all, future digital banking has a number of advantages over traditional banking. 
 
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