{"id":73795,"date":"2021-06-17T08:00:00","date_gmt":"2021-06-17T06:00:00","guid":{"rendered":"http:\/\/e3mag.com\/?p=73795"},"modified":"2025-06-13T15:19:50","modified_gmt":"2025-06-13T13:19:50","slug":"banks-are-sleeping-on-digital-transformation","status":"publish","type":"post","link":"https:\/\/e3mag.com\/en\/banks-are-sleeping-on-digital-transformation\/","title":{"rendered":"Banks Are Sleeping on Digital Transformation"},"content":{"rendered":"

Decision-makers of every industry now have to ask themselves fundamental questions like: How is digital transformation affecting our company? Which new or changing requirements does our target demographic have? Do we have to change our underlying business models and if so, how? What possibilities do new technologies offer us? Are our processes optimally digitized and automated?<\/p>\n\n\n\n

Decision-makers in all sectors must therefore ask themselves important questions in this context: How does digitalization affect our business? What new or changed requirements does our target group have for our services? Do we need to adapt our fundamental business model and if so, how? What opportunities do the new technologies offer us and are processes optimally digitized and automated?<\/p>

\"\"<\/a><\/div>\n\n\n\n

Digital change means people change<\/h3>\n\n\n\n

New processes also change the way people work. If digital transformation is to succeed, employees\u2019 acceptance of new technologies is a necessity. Most employees will typically struggle to break old habits. If the new workflows seem challenging or overwhelming, employees usually revert back to old processes; a mindset which prevents them from accepting necessary changes.<\/p>\n\n\n\n

A beneficial approach is usually to start small, for example with decentralized scanning or printing processes which are easy to use. While they are only a small part of the process that needs to be digitized, it\u2019s easier for employees to start with one new workflow and work their way up. Adapting to digital realities enables more efficient and cost-effective banking processes.<\/p>\n\n\n\n

Banks have to save, too<\/h3>\n\n\n\n

Most banks have to save money right now. Due to low interest rates, customers are reconsidering if it\u2019s even worth placing their funds with banks, making their revenues decrease. Now more than ever, cost-saving measures are sometimes the only way to stay afloat.<\/p>\n\n\n\n

While workflows are changing, customer requirements are changing as well due to digital transformation. In the near future, banks will primarily be dealing with so-called hybrid customers that want to be served online and offline. With increasing digital literacy, banking customers wish for comfortable digital communication channels while, at the same time, they still appreciate having the possibility to contact the bank offline, too.<\/p>\n\n\n\n

From analog to digital<\/h3>\n\n\n\n

Traditional online banking isn\u2019t the only challenge. Especially savings banks and credit unions have to ensure that they do not lose regional analog customers to the anonymity of the world wide web. Digital banking services have to be consolidated with analog consulting services.<\/p>\n\n\n\n

While change is necessary, banks shouldn\u2019t lose sight of their strengths and core competencies. Rather, they should invest in them and incorporate them into new digital concepts. Adapting to digital workflows does not mean losing traditional values. However, the necessity of digital transformation remains undisputed\u2014banks that are not willing to (digitally) change their business models will not survive in the medium to long term.<\/p>","protected":false},"excerpt":{"rendered":"

Wer aber meint, dass mit neuen Technologien auch eine digitale Arbeitsweise in der gesamten Unternehmenslandschaft Einzug h\u00e4lt, irrt sich. Ein Blick in die Realit\u00e4t zeigt: Immer noch verschlafen etliche Betriebe den digitalen Wandel. Mit dem b\u00f6sen Erwachen kommt auch die Erkenntnis dar\u00fcber, dass derartige Transformationen nicht auf Knopfdruck gelingen. Um sich entsprechend zu r\u00fcsten, muss […]<\/p>\n","protected":false},"author":2348,"featured_media":4163,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[10,39280],"tags":[8866,35885],"coauthors":[39314],"class_list":["post-73795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-das-aktuelle-stichwort","category-mag-21-05","tag-banken","tag-finanzen","pmpro-has-access"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"thumbnail":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-150x150.jpg",150,150,true],"medium":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",400,172,false],"medium_large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-768x331.jpg",768,331,true],"large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"image-100":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-100x43.jpg",100,43,true],"image-480":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-480x207.jpg",480,207,true],"image-640":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-640x276.jpg",640,276,true],"image-720":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-720x310.jpg",720,310,true],"image-960":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-960x414.jpg",960,414,true],"image-1168":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"image-1440":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"image-1920":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"1536x1536":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"2048x2048":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"trp-custom-language-flag":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",18,8,false],"bricks_large_16x9":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"bricks_large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"bricks_large_square":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",1000,431,false],"bricks_medium":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",600,259,false],"bricks_medium_square":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort.jpg",600,259,false],"profile_24":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-24x24.jpg",24,24,true],"profile_48":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-48x48.jpg",48,48,true],"profile_96":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-96x96.jpg",96,96,true],"profile_150":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-150x150.jpg",150,150,true],"profile_300":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Das-aktuelle-Stichwort-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"

Wer aber meint, dass mit neuen Technologien auch eine digitale Arbeitsweise in der gesamten Unternehmenslandschaft Einzug h\u00e4lt, irrt sich. Ein Blick in die Realit\u00e4t zeigt: Immer noch verschlafen etliche Betriebe den digitalen Wandel. Mit dem b\u00f6sen Erwachen kommt auch die Erkenntnis dar\u00fcber, dass derartige Transformationen nicht auf Knopfdruck gelingen. Um sich entsprechend zu r\u00fcsten, muss sich\u2014neben dem Einsatz innovativer Systeme \u2013 auch die Vorstandsetage grundlegenden Ver\u00e4nderungen stellen. Sie ben\u00f6tigt insbesondere ein Change\u00admanagement, ganzheitliche Prozesse und ein neu ausgerichtetes Mindset. Denn nur umdenkende F\u00fchrungskr\u00e4fte, die ihr Unternehmen mit strategischem und agilem Management 4.0 leiten, erreichen das Ziel eines modernen Workspace. Entscheider…<\/p>\n","category_list_v2":"Das aktuelle Stichwort<\/a>, MAG 21-05<\/a>","author_info_v2":{"name":"Myrko Rudolph","url":"https:\/\/e3mag.com\/en\/author\/myrko-rudolph-exapture\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/posts\/73795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/users\/2348"}],"replies":[{"embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/comments?post=73795"}],"version-history":[{"count":3,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/posts\/73795\/revisions"}],"predecessor-version":[{"id":151759,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/posts\/73795\/revisions\/151759"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/media\/4163"}],"wp:attachment":[{"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/media?parent=73795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/categories?post=73795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/tags?post=73795"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/e3mag.com\/en\/wp-json\/wp\/v2\/coauthors?post=73795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}