KPMG's blockbuster report: banks will disappear in the future, artificial aides take over-IT information
KPMG said in a report a few days ago, by 2030 the banks and their services may "disappear", similar to the artificial Assistant Siri will be taking over the lives of our customers and financial services. As a result, most of the traditional banking sector or will disappear, and you will achieve greater development and professional services.
Manual Assistant EVA
In the report, KPMG envisages an artificial assistants like Siri EVA. Saying today manual Assistant EVA has equipped with advanced data analysis, voice authentication, artificial intelligence, equipments, API and cloud-related technologies.
Through access to the user's health, payment, preferences, social media data, EVA can provide users communicate in her spare time, consistent with its flavors of product, recommended for users of short-term cash-the best way to manage and solve financial problems. For example, EVA to purchase records to determine the dietary habits of the user, if the user buying too much junk food, and do not have sufficient exercise, EVA yoga classes near can recommend and make an appointment for a user, and to provide higher rates of return to user management solutions.
Banking and regulatory changes
At present, there are three main functions of the Bank: loan "created" money, provides a saving of a safe place, as well as promoting the term transformation . But now many banks offer three-month deposit does not satisfy customer needs, customer deposits after the 85th day in urgent need of money, the situation is embarrassing. In addition, consumer financing requirements, but only select from overdrafts, loans and credit cards, from this point of view, consumer demand has not been met.
KPMG said in a report, this situation needs to change. By 2030, the three main functions of the Bank will play a more important role. Meanwhile, customer service centers, branches, sales teams, IT departments will completely disappear.
In fact, the "invisible" Bank's vision is not groundless. In the KPMG report in Apple Pay, for example, points out that hidden financial brand a device may provide more financial services, noting that PayPal offers credit, Amazon able to provide inventory financing and payment services such as Uber or even able to provide auto financing services.
If the banks have a fundamental change in the regulatory environment also needs to make a change, the current regulation does not completely cover the scope of future business in the banking industry.
EVA is a member of the platform layer are concerned, there are a large number of systemic risk. For example, in the case of the beginning of this article, if EVA yoga courses booked and paid is not subject to user's favorite, who is responsible for the error? Is the platform, payments or hardware supplier?
In addition, the larger network information security risks require regulatory action in real time. If you can prove that the banking industry in transition consumer experience increase, cost and convenience improve, regulators will have to closely follow the developments in the banking industry to ensure proper control of risks.
Financial technology department head: achieve the envisaged difficulties
Perhaps, as head of KPMG financial technology Warren Mead puts it, most banks realize this vision 2030 is difficult:
Banks are using different techniques to enhance customer service levels, such as robotics, artificial intelligence, and block chain, but the change is slow, and it's really in the way of the digital transition out of the 10%.
For now, the technology company 10%~20% revenues to research and development, while the banks just put 1%~2%. Less than 5% stock returns banks, wants to see great change within short time difficult.
毕马威重磅报告：未来银行将消失，人工助手接管 - IT资讯
毕马威会计事务所在日前的一份报告中表示，到2030年银行及其服务可能“消失”，类似于Siri的人工助手将接管客户的生活与金融服务。如此一来，传统银行的多数部门或将消失，而专业的服务则将获得更大发展。
人工助手EVA
在报告中，毕马威设想了一种类似于Siri的人工助手EVA。并称如今人工助手EVA已经具备先进数据分析、语音认证、人工智能、设备互联、API以及云等相关技术。
通过获得用户的健康、支付、偏好、社交媒体等数据，EVA能够在用户闲暇时与其沟通、提供符合其口味的商品、为用户推荐短期现金的最佳管理方式并解决金融问题。例如，EVA能够通过购物记录判断用户的饮食习惯，若用户购买过多垃圾食品，且并无足够锻炼，EVA可以为用户推荐并预约附近的瑜伽课程，并为用户管理提供较高回报率的理财方案。
银行业与监管部门的改变
目前来看，银行的主要功能有三：通过贷款“创造”货币，提供存钱的安全场所，以及推动期限变换。但如今许多银行提供为期三个月的存款业务并不能满足顾客需求，若客户在存款后的第85天急需用钱，情况就比较尴尬。此外，消费者有融资需求时，却只能从透支、贷款以及信用卡中选择，从这一点来看，消费者的需求同样没有得到满足。
毕马威在报告中指出，这种情况需要改变。到2030年，银行的三大主要功能将发挥更为重要的作用。同时，客服中心、分行、销售团队、IT等部门将彻底消失。
实际上，“无形”银行的设想并非空穴来风。毕马威在报告中以Apple Pay为例，指出隐藏在设备后的金融品牌可能提供更多金融服务，并指出PayPal能够提供信贷，亚马逊能够提供存货融资以及支付等服务，Uber甚至能够提供汽车金融服务。
如果银行业产生根本性改变，监管环境也需要做出改变，目前的监管并不能完全覆盖未来银行业的业务范围。
就EVA所属的平台层而言，存在着大量系统风险。比如，在本文开头的例子中，如果EVA预定并支付的瑜伽课程并不受用户喜爱，这个错误由谁来负责？是平台、支付商还是硬件供应商？
此外，较大的网络信息风险则要求监管部门行动实时。如果银行业在转型后能够证明消费者体验提升、成本下降以及便利性提高，监管部门将有必要紧跟银行业的发展以确保合理控制风险。
金融科技部门主管：实现设想有难度
或许正如毕马威金融科技部门主管Warren Mead所言，让大部分银行实现这一2030年的设想是有难度的：
银行正在通过各种技术提升客户服务水平，例如机器人、人工智能和区块链，但这种变化的速度较慢，而且实际上银行在这条数字化转型之路上只走出了10%。
目前来看，技术型公司将10%~20%的收入用于研发，而银行则只投入了1%~2%。银行的股票收益不足5%，中短期之内想要看到巨大变化比较困难。