超越消費者銀行服務：下一個前沿

本報告概述並分析了銀行業和生態系統銀行的現狀。全球現有銀行正在實施的一些超越銀行解決方案包括財務健康和教育、市場和生活方式福利、社區參與和教育以及家庭相關服務。它還提供了超越銀行業務領域的觀點，包括當前銀行產品和服務價值鏈中利害關係人的未來機會和考慮因素。

超越銀行業務是指銀行超越其核心金融產品和傳統銀行業務，提供廣泛不同的非核心產品和價值主張，以創造增強的整體價值主張。隨著金融和非金融課題者進入金融服務業，並用創新產品和服務顛覆金融服務業，現有銀行面臨的創新壓力越來越大。 PayPal 和 Nubank 等公司分別永久顛覆了支付產業和銀行業。由於貨幣寬鬆政策降低利潤率並推高已上升的成本，進一步的財務壓力將持續到 2025 年。

範圍

• 超過一半的 2024 年金融服務消費者調查受訪者認為，現有銀行仍將是傳統銀行產品的主要提供者。
• 剩餘的產品份額（42-56％）幾乎由競爭對手平均分配，這表明它們不再只是單一的工具，而是可以滿足所有金融需求的完整提供者。
• 目前，中小企業的超越銀行業務計劃在這一領域處於領先地位，但人工智慧、金融科技、大型科技公司、超級應用程式以及潛在的貸款利潤率縮水所帶來的顛覆性影響將繼續迫使零售銀行進行創新並實現產品多樣化。

購買原因

• 了解曾經專注於中小型企業的銀行業務如何滿足不斷變化的消費者需求。
• 探索銀行將生活方式、健康和增值服務融入其消費者產品的機會。
• 金融機構可以透過支持人們更廣泛的生活目標（而不僅僅是金融交易）來建立更深層的關係。

目錄

第1章 摘要整理

第2章 超越銀行的簡介

第3章 超越銀行·主張

第4章 住宅產業的超越銀行

第5章 超越銀行的未來

第6章 結論

第7章 附錄

This report provides an overview and analysis of the current state of beyond banking and ecosystem banking. It highlights some of the existing beyond banking solutions global incumbents have implemented across the likes of financial wellness and education, marketplace and lifestyle benefits, community engagement and education, and housing-related services. The report also provides an outlook for the beyond banking space, including future opportunities and considerations for stakeholders across the current banking products and services value chain.

Beyond banking involves banks increasingly offering an unconventional range of non-core products and value propositions that expand beyond the core set of financial products and traditional banking activities, to provide a more enhanced and holistic value proposition. The growing pressure for incumbent banks to innovate comes in one part from both financial and non-financial challengers entering and disrupting the financial services industry with innovative products and services. The likes of PayPal and Nubank brought about permanent disruption in the payments and banking industries respectively, while Big Techs increasingly move into the industry as some aim to build superapps. Added financial pressures persist in 2025 as monetary easing decreases interest margins, with costs already spiralling.

Scope

• Incumbents remain the preferred provider for traditional banking products for over half of GlobalData's 2024 Financial Services Consumer Survey respondents globally; just under half would use them for non-traditional activities.
• The remaining product market shares (42-56%) are fairly evenly split between challenger types, showing that they are past being just a single-use tool and rather serve as a complete provider for all financial needs.
• Although SME beyond banking initiatives lead the space currently, retail banks will continue to be pushed to innovate and diversify products due to disruptions from AI, fintech firms, Big Tech companies, superapps, and potentially thinning lending margins.

Reasons to Buy

• Understand how beyond banking, once focused on SMEs, can be adapted to meet evolving consumer needs.
• Explore opportunities for banks to embed lifestyle, wellness, and value-added services into consumer offerings.
• Gain insights into how financial institutions can build deeper relationships by supporting broader life goals, not just financial transactions.

Table of Contents

Table of Contents

1. Executive Summary

2. Introduction to Beyond Banking

3. Beyond Banking Initiatives

4. Housing Bundles Beyond Banking

5. The Future of Beyond Banking

6. Conclusions

7. Appendix