Are Non‐Banks Winning in Retail Financial Services?
Are Non‐Banks Winning in Retail Financial Services?
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DOI：
10.1108/eb010795
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发表时间：
1987
影响因子：
5.3
通讯作者：
P. Middleton
中科院分区：
文献类型：
--
作者：
P. Middleton
零售银行家必须重新定义他们的业务，如果他们要在消费者市场上与非银行金融机构（NBFI）竞争。迄今为止，银行对变化的反应缓慢，并将NBFI列为竞争对手，只是缓慢地认识到消费者在金融方面变得更加成熟，放松管制正在改变传统障碍和技术改变竞争的面貌。虽然NBFI在消费金融服务市场上处于领先地位，但竞争才刚刚开始，由于市场驱动战略和消费者营销技术的发展，在十年的时间里，当今市场上的一些银行将建立强大的盈利地位。
Retail Bankers must redefine their business if they are to compete profitably against non‐bank financial institutions (NBFI) in the consumer market. Banks have hitherto been slow to respond to change and to include NBFI as competitors, recognising only tardily that consumers are becoming more financially sophisticated, that deregulation is moving traditional barriers and technology changing the face of competition. Although NBFI have taken the lead in the consumer fianancial services marketplace, the race has only just begun, and in ten years' time some of the banks represented in today's market will have established strong and profitable positions, due to the development of market‐driven strategies and consumer marketing techniques.