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‘Mobile First, Digital Everything’ – The European Experience of Building the Future of Banking

I think the success of digital banking is very simple. If you look at traditional banks, they have built up companies over the last 40 to 50 years and I think the difficulty is they are non-digital companies. They have a big workforce and it’s very hard to transform a company that has maybe 50,000 employees into a digital company.

Also, the shift in user behavior has been massive. Ten years ago, you did your banking transaction on the telephone; today, you do it online or on mobile platforms. Smartphones have had such a strong evolution over the last few years. If you compare current iPhones with older generations, the difference in what you can do with the development language has obviously changed rapidly. We can now have a much better interaction with our customers through the smartphone, which is far more cost efficient than opening a bank with a physical branch. Therefore, we can offer products at a much more competitive price and a much better service, explained Valentin Stalf, the CEO of a European challenger bank N26.

The share of smartphone or tablet users in Europe who use their ...

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