{"id":38039,"date":"2022-10-05T21:00:00","date_gmt":"2022-10-05T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=38039"},"modified":"2022-10-07T10:48:24","modified_gmt":"2022-10-07T08:48:24","slug":"fintechs-shaping-future-finance","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/fintechs-shaping-future-finance\/","title":{"rendered":"How FinTechs are shaping the future of finance"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>The FinTech revolution is shaking the pillars of traditional banking and forcing a paradigm shift in the world of finance. Faster, leaner and more intuitive digital solutions with fewer commissions are carving a niche in a sector that not long ago seemed untouchable.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The emergence of new digital technologies like artificial intelligence, embedded finance, blockchain and cryptocurrency has spearheaded the<\/span><b> digitalization of financial services<\/b><span style=\"font-weight: 400;\">, reshaping the world of finance. Banking apps that function as a wallet of wallets, bringing together various functions and services in a single place to satisfy customer needs, exemplify the transition from analogue to digital banking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FinTechs have gone from supporting traditional financial institutions to leading the way in an unprecedented race to attract an increasing number of customers, especially <\/span><b>young \u2018digital natives\u2019, who have become tired of the<\/b> <b>complication, slowness, and exorbitant commissions<\/b><span style=\"font-weight: 400;\"> we have come to expect from traditional banking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This radical transformation of the banking services has been married to the exponential <\/span><b>growth of private venture capital willing to invest in innovative ideas<\/b><span style=\"font-weight: 400;\"> to change the current political, economic and social system. A seemingly unstoppable tsunami of technological alternatives to traditional banking and financial institutions, feeding on the exhaustion of the established status quo.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6311944744112\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/09\/THUMBNAIL_JOAN_BENEDICTO_TOPIC_16.jpg\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>Fintech Advantages<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Agility and personalized customer experience<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">FinTechs like neobanks <\/span><b>rely on the latest technology and take full advantage of their digital capabilities<\/b><span style=\"font-weight: 400;\"> such as machine learning or cloud computing, leveraging online platforms and data analytics to generate social interaction, providing cards instantly, and offering personalized information and assistance to customers that value price and agility above all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traditional banks, by contrast,<\/span><b> depend on legacy infrastructure which slows their administrative processes<\/b> <b>and ability to integrate with other financial platforms<\/b><span style=\"font-weight: 400;\">, one of the main drivers behind the trend towards increased mobile banking. While it is true that traditional banks have evolved in the way they function, automating some of their operations and integrating technology into their services, they still struggle against the superior technological prowess of their younger competitors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While legacy banks have to cater to a wide variety of customers, offering a broad selection of traditional services expected from their customer base, <\/span><b>neobanks can be more specialized and focus their efforts on specific consumer, community and business needs<\/b><span style=\"font-weight: 400;\">, thus providing tailored solutions beyond the scope of traditional banking.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Different regulatory frameworks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Given their focus on security and management of financial risk, <\/span><b>traditional banks have more robust collateral requirements and rely on a strict regulatory framework<\/b><span style=\"font-weight: 400;\"> provided by governments, central banks and financial institutions that is not mandatory in the FinTech ecosystem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lesser regulation makes it easier for these startups to innovate and adapt to the new financial trends and customer requirements. However, that is not to say that FinTechs are not regulated, like any entity that is involved in any financial activity, <\/span><b>FinTechs must comply with several regulations, some of them country-specific.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Even though financial startups are generally smaller than legacy banks, <\/span><b>they frequently operate and offer their services in many different countries<\/b><span style=\"font-weight: 400;\">. Therefore, whether they have a full banking license or an e-money license, they often have to comply with and face similar regulations as traditional banks.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Distribution and market penetration<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The rigid organizational structure associated with traditional banking, In most cases, also relies on <\/span><b>a network of brick and mortar locations<\/b><span style=\"font-weight: 400;\"> that allow for access to ATMs, cash deposits and the flexibility of banking in-person, but which constitute a significant expense that is often passed to the customer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this context, banks are increasingly adopting online services akin to neobanks in order to <\/span><b>reduce costs and increase growth potential<\/b><span style=\"font-weight: 400;\">. This is reflected in the steady rate of bank branch closures we have seen since the pandemic, which spearheaded a trend where the need and willingness of consumers to have in-person interactions seems to subside with every generation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In other words, legacy banks are <\/span><b>shifting part of their distribution channels<\/b><span style=\"font-weight: 400;\">, creating their own neobanks or partnering with some FinTechs in order to adapt their business model to the new market reality and imminent changes facing the industry. Such <\/span><b>alliances and cooperation<\/b><span style=\"font-weight: 400;\"> seem to be their best chance of keeping up to speed with evolving customer needs while not being left behind by the new market challengers.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>11Onze is the community fintech of Catalonia. Open an account by downloading the super app El Canut for <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\" target=\"_blank\" rel=\"noopener\"><b>Android<\/b><\/a><b> or <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\" target=\"_blank\" rel=\"noopener\"><b>iOS<\/b><\/a><b> and join the revolution!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this article, we recommend you read:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/four-fintech-trends-shape-2022\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/02\/HEROIMAGE_FINTECH_TALKS_TENDENCIES_FINTECH_2022-800x301.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Culture<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Fintech trends that will shape 2022<\/strong><\/p>\n              <span class=\"card-time\">3 min read<\/span>\n              <p class=\"card-text small\">The fintech universe is expanding with each passing<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/digital-wave-change-banking\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_POST_7-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Economy<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>The digital wave that will change banking<\/strong><\/p>\n              <span class=\"card-time\">5 min read<\/span>\n              <p class=\"card-text small\">Digital Banking is a term that refers to the digitisation of all<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/?p=10517\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/THUMBNAIL_FINANC\u0327AMENT-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Find alternative financing to banks<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">Looking for financing is no longer synonymous with going<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":38027,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[20,175],"class_list":["post-38039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finances","tag-technology"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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