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Strategic Partnerships - Thematic Research

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  • 29 Pages
  • November 2019
  • Region: Global
  • GlobalData
  • ID: 4871361
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Strategic Partnerships - Thematic Research


Partnership has become a catch-all term for a variety of strategic collaborations, which could be as ‘light’ as a referral agreement with an emerging SME lender, to white labeling the underlying credit risk engine, to the co-development of the overall platform. None of this is necessarily new - banks have always relied on strategic partners. But the scale and pace of technology change, and the diversity of sources from which it can now emanate, make it more difficult (and potentially more transformative) than ever.

The right partnership can deliver overnight scale via access to new markets or customers or neutralize a dis-intermediating threat. The wrong partnership can mean service outages, data breaches, and potentially business-ending reputational damage. Success depends not just on the technology of banks and their partners, but also strategy: what sources of value can banks truly 'own' as telcos, tech companies, and fintech encroach further into banking? And what specific tech capabilities - and partners - can help them deliver that?

The report “Strategic Partnerships - Thematic Research” analyzes the strategic collaborations between various stakeholders in the financial services industry across business segments such as core banking, payments, lending, credit cards, and mobile wallets. The report discusses in detail the key technology, economic, regulatory, and consumer trends. Within technology, the report discusses the latest developments and partnerships for the likes of software as a service, the cloud, tech due diligence, and blockchain. The report also provides industry analysis and value chain insights on types of partnership at the macro level. In addition, it covers the key examples of partnerships across different provider types and product categories.

  • New digital banks such as Starling and N26 put technological capabilities at the heart of what they do to deliver banking as a marketplace revenue models.
  • New entrants are partnering with banks through banking as a service to expedite time to market.
  • Tech firms are encroaching deeper into financial services to maintain a return on equity.
  • Fintech partnerships are seen as the most stable and secure way to incorporate external innovation into customers’ day-to-day banking experiences.

Reasons to buy
  • Make strategic decisions and understand the tech dependencies regarding effective partnerships.
  • Identify regulatory and economic trends driving cross-industry partnerships.
  • Receive detailed insights into different partnership types.
  • Understand the changing market by learning about leading partnerships and recent deals in the strategic partnership space.
  • Consider the different types of ecosystem.

Table of Contents

  • Players
  • Trends
  • Technology trends
  • Economic trends
  • Regulatory trends
  • Consumer trends
  • Industry analysis
  • Value chain
  • Partnering with non-banking ecosystems
  • Partnering within banking ecosystems
  • Intra-industry value chain partnerships
  • Infrastructure and channels
  • Companies section
  • Banking infrastructure/channel partnerships
  • Bank/fintech-fintech partnerships
  • Bank-telco/travel company partnership
  • Bank-tech company partnerships
  • Glossary
  • Further reading
  • Appendix: Our thematic research methodology

Companies Mentioned

A selection of companies mentioned in this report includes:

  • Amazon
  • Barclays
  • BBVA
  • Facebook
  • Google
  • N26
  • Oaknorth
  • Orange Bank
  • Mambu
  • Lloyds
  • Infosys Finacle
  • Coinbase
  • Fidor Bank
  • TransferWise
  • Groupe BPCE
  • PayPal
  • Tink
  • ING
  • Kabbage
  • PNC
  • OnDeck
  • Starling
  • HSBC
  • Roostify
  • Paytm
  • O2 Bank
  • Groupama
  • T-Mobile
  • Telenor
  • Ant Financial
  • GrabPay
  • LINE Pay
  • Uber
  • GoBank
  • Apple
  • Goldman Sachs
  • Clearbanc
  • Monzo
  • JP Morgan
  • Cross River
  • Mastercard
  • Revolut
  • Visa
  • First Data