The Changing Landscape of Retail Banking and the Future of Digital Banking

By • on March 7, 2022

The Springer website reported a study which noted that banking is shifting significantly from a pipeline, i.e., vertical paradigm, to open banking where open innovation, modularity, and ecosystem-based banking business models become the new paradigm to follow and exploit. Through open innovation, banks combine both internal and external resources to create new products (Chesbrough, ), increase the flexibility and timeliness in the way they respond to market demand and tailor their services to customers’ individual tastes. Some banks have started considering Fintechs as valid partners to boost their capabilities to develop innovation thus considering the open innovation approach as an effective way to develop time-to-market solutions.

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