Reinhard Höll

There have been challenges, sure, but the past 18 months have actually been relatively positive for global banks. What can they do to build on this momentum?

Banking profits are up, thanks to rising interest rates, but financial institutions globally need to reinvent themselves in the face of major structural and macroeconomic shifts.

On the back of a great year, banks have an opportunity to build on growth and ensure profitability

Im Payments-Bereich steht in den kommenden Jahren beträchtliches Wachstum bevor. Banken, die daran partizipieren wollen, müssen zentrale Trends aufgreifen, ihre digitalen Angebote ausbauen und regulatorische Pflichtaufgaben effizient umsetzen.

line retailing—essentially selling new products in new ways, either directly to customers or via intermediaries—could be worth $40 billion by 2030. And payments, as a critical link between airlines and their customers, are a vital component of retailing. But if airlines are to realize the full value of retail, it is imperative that they get payments right.

Our report, Airline distribution and retailing: How payment innovation can help airlines improve customer experience and the bottom… Show more

line retailing—essentially selling new products in new ways, either directly to customers or via intermediaries—could be worth $40 billion by 2030. And payments, as a critical link between airlines and their customers, are a vital component of retailing. But if airlines are to realize the full value of retail, it is imperative that they get payments right.

Our report, Airline distribution and retailing: How payment innovation can help airlines improve customer experience and the bottom line, highlights the relatively unexamined area of payments and how innovation in this area can help airlines to improve customer experience, grow revenue, and decrease costs Show less

Five major trends are affecting business mobility payments. Adapting to a changing technological environment and customer needs can help companies win in this emerging ecosystem.

Our new report, Business mobility payments: On the road to change, lays out the anticipated impact of five major trends: powertrain technology is evolving; electric and digital infrastructure is becoming mainstream; workflows and processes are being digitalized; B2B payment experiences are shifting; and payment… Show more

Five major trends are affecting business mobility payments. Adapting to a changing technological environment and customer needs can help companies win in this emerging ecosystem.

Our new report, Business mobility payments: On the road to change, lays out the anticipated impact of five major trends: powertrain technology is evolving; electric and digital infrastructure is becoming mainstream; workflows and processes are being digitalized; B2B payment experiences are shifting; and payment technology is becoming instant and device-agnostic. Show less

Wir untersuchen die vielen Herausforderungen, vor denen die deutschen Banken und Sparkassen stehen und beschreibt einen strategischen Ansatz, von dem wir glauben, dass er sie in die Lage versetzen wird, mit voller Stärke auf das "Spielfeld" zurückzukehren.

Der neue "Spielplan" konzentriert sich auf fünf zentrale Ansätze:
• reaktionsschnellere Geschäftsstrategien
• technologiegestützte Kundenbindung
• neue (digitale) Geschäftsfelder
• echte digitale Betriebsmodelle… Show more

Wir untersuchen die vielen Herausforderungen, vor denen die deutschen Banken und Sparkassen stehen und beschreibt einen strategischen Ansatz, von dem wir glauben, dass er sie in die Lage versetzen wird, mit voller Stärke auf das "Spielfeld" zurückzukehren.

Der neue "Spielplan" konzentriert sich auf fünf zentrale Ansätze:
• reaktionsschnellere Geschäftsstrategien
• technologiegestützte Kundenbindung
• neue (digitale) Geschäftsfelder
• echte digitale Betriebsmodelle
• ESG als zentrale Aufgabe des Bankwesens (Purpose).

Mit einem ambitionierten Erneuerungskurs können Deutschlands Banken und Sparkassen 30 bis 40 Milliarden Euro Ergebnissteigerung bis 2030 erreichen. Show less

The challenges facing Germany’s banking sector are steep, but a new game plan presents the opportunity for a sustainable future for the industry.

Programmierschnittstellen oder APIs ermöglichen eine bessere Konnektivität zwischen Banken, ihren Kunden und ggf. Dritten, insbesondere im Corporate Banking. Ein systematischer Ansatz für den Aufbau von API-Fähigkeiten hilft, Potenziale voll auszuschöpfen

McKinsey on Payments 31
Covering trends and opportunities in the world of payments

The Euro Banking Association (EBA) and McKinsey & Company jointly worked on this white paper on the future of banks in payments. It is based on research conducted by McKinsey with EBA members between November 2019 and November 2020 and seeks to prompt a constructive debate on the future of banks in European payments and to ultimately launch a call for action on industry change.

Despite many outlined challenges, “now” could be the moment for banks to secure the growth of value in their… Show more

The Euro Banking Association (EBA) and McKinsey & Company jointly worked on this white paper on the future of banks in payments. It is based on research conducted by McKinsey with EBA members between November 2019 and November 2020 and seeks to prompt a constructive debate on the future of banks in European payments and to ultimately launch a call for action on industry change.

Despite many outlined challenges, “now” could be the moment for banks to secure the growth of value in their payments business by a clear assessment of their respective starting point and a honest and spelled-out strategic ambition that leads towards real and realistic ‘payment business’ strategy
Show less

Our 2020 Report - with a special deep-dive on supply-chain finance:

A case of convergent evolution? The complexity of the supply-chain finance industry poses difficulties in a time of economic turmoil, but innovative players have opportunities to seize.

A look at what it takes to create a retail payments offering with staying power.

Covering trends and opportunities in the world of payments, worldwide.

German payments is growing rapidly, yet bank revenue share is declining by 1-2% p.a., outpaced by many specialists. Can banks turn the tide and use payments as positive differentiator?

Amid sustained growth, accelerating challenges demand bold actions....

Global transaction banking (GTB) is not the kind of business to generate headlines or draw attention to itself. Over a long period, it has been seen as the workhorse of the banking world—a reliable performer that quietly goes about its business. Despite its sleepy image, however, GTB generates around $1 trillion of revenues every year....