2020年全球金融科技报告.docxVIP

2 2 TABLE OF CONTENTS Preface 3 Executive summary 4 Banks must board the last train to relevancy – the Open X express 6 BigTechs and challenger banks have opened a Pandora’s box of customer expectations. Can banks compete? 6 Why collaboration counts: FinTechs’ specialized tools and expertise can empower banks 7 Open banking was just the beginning 8 The last mile is merely the visible result of customer experience 12 But behind the scenes, middle- and back-office operations affect customer perception 12 Back-end transformation can be a bumpy ride – avoid potholes wit