Bankers, legacy structures and relevancy: The industry on what’s stopping banks from innovating
One of the biggest themes banks are touting these days is the importance of customer experience. Gone are the days of sales and transaction-centered banking.
That cultural shift is one of many legacy banks have made over the last decade and comes in large part from the realization that customer expectations have been raised by other industries — they want customized and even personalized service, they want it to be fast and they want it at their fingertips whenever and wherever they may be.
But the banks that exist today were born at a different time. For all the progress they’ve made in keeping up with their non-bank financial startups, they’re still regulated like old financial institutions and in many ways are stuck in their old ways. We asked attendees at the Tearsheet Money conference in New York Monday: What’s prohibiting banks from innovating to their fullest?
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