最有看点的互联网乐天堂娱乐门户

最有看点的互联网乐天堂娱乐门户
国际资讯

比起Fintech创企,银行更害怕的可能是亚马逊

乐天堂娱乐科技创企竭力颠覆银行业。然而其努力成果却并不真正为大型银行所惧。

世界经济论坛最新报告显示,相较力图革新投资与支付的创企,传统乐天堂娱乐机构更为忧惧亚马逊与Facebook等科技巨头的威胁。

报告称:"乐天堂娱乐科技变革了乐天堂娱乐服务建构、提供与消费的形式,但却并未成功成为主导玩家。"

换言之,银行认为Betterment、Wealthfront等创企刺激了创新,但并不具备真正撼动其业务的资源与规模。

然而亚马逊与Facebook却具规模。即便科技创企大多情况下并不直接与银行竞争,但其在消费者日常生活中的曝光度,所收集的用户数据,以及银行商业产品对其平台的依赖,将对乐天堂娱乐领域未来产生影响。

报告中称:"乐天堂娱乐机构与大型科技企业的碰撞将为所有企业提出提出难题:要么仰仗大型科技创企,要么承担落后的风险。所有乐天堂娱乐机构都需找寻途径,在不失去其核心价值主张的前提下与大型客机企业合作。所有企业都可能变得依赖大型科技企业,这就必然可能失去对成本与数据的部分控制权。"

亚马逊AWS(Amazon Web Services)就是最为显著的例证。大多数大型企业都使用的这一亚马逊数据存储产品已成为乐天堂娱乐领域的必需品。大型乐天堂娱乐企业虽并不一定情愿必须依赖第三方管理其业务中这一重要部分,但却担忧若不采用此技术就会退居人后。

报告中写道:"亚马逊AWS渐成为乐天堂娱乐服务生态体系的支柱,各类企业均利用AWS平台存储与处理数据,大到摩根大通,小到创企Xignite。"

报告还称:"现有企业若为保护独立性而极力减少与大型科技企业的合作,就有可能严重滞后。"

除却这些长期影响外,乐天堂娱乐机构同样也担心人才流入亚马逊等科技企业,而非高盛等乐天堂娱乐机构。

相较有着35万员工的亚马逊,200人规模的创企自然不足为惧。

然而这并不意味着乐天堂娱乐科技创企正遭遇滑铁卢。恰恰相反,报告强调,如果创企能找到乐天堂娱乐科技领域绝佳缺口,就将蓬勃发展。

但银行并不会对其多加注目侧目,其正忙于应付亚马逊等科技企业。

Fintech startups are trying to disrupt banking. Turns out, their efforts aren't really what have major banks worried.

Legacy financial institutions are more concerned with the threat of tech giants like Amazon and Facebook than about startups trying to revolutionize investing or payments, according to a new report from the World Economic Forum.

"Fintechs have changed how financial services are structured, provisioned and consumed, but have not successfully established themselves as dominant players," the report said.

In other words, banks think that startups like Betterment and Wealthfront have spurred some innovation, but don't have the resources or scale to truly threaten their businesses.

Amazon and Facebook, on the other hand, do have the scale. Even if these tech giants aren't directly competing with banks most of the time, their sheer presence in consumers' everyday lives, the amount of data they collect about customers, and the reliance banks are forced to have on their business-side products will impact the future of the financial sector.

"The coming collision between financial institutions and large techs leads to tough choices for all firms: become dependent on large techs or risk falling behind," the report stated. "All financial institutions will need to find ways to partner with large techs without losing their core value proposition. All firms risk becoming dependent on large techs, which necessitates the loss of some control over both costs and data."

The clearest example of this is Amazon Web Services. Amazon's data storage product, used by most major businesses, has become a necessity for the financial sector. Major financial firms aren't necessarily happy that they have to rely on a third party for an important component of their business. And they fear that if they don't use this technology, they'll fall behind.

"Amazon Web Services (AWS) is forming the backbone of the financial services ecosystem, with a diverse set of firms - from JP Morgan to start‐ups such as Xignite - adopting AWS for data storage and processing," the report said.

"Incumbents risk falling far behind on technological offerings if they minimize engagement with large techs to protect independence," the report added.

Along with these long-term changes, financial firms are also worried about the talent choosing to work at Amazon instead of at Goldman Sachs.

A fintech startup that employs 200, on the other hand? Not much of a worry compared to Amazon's 350,000.

This doesn't mean that fintech startups are failing. On the contrary, the report emphasizes that if startups can carve out the perfect niche in financial tech, they'll thrive.

But the banks won't be paying too close attention. They're busy with Amazon.


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