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1、Financial Services Trends To Watch In 2014 2014 年金融服务行业值得关注的七大趋势 This year was significant for the financial services industry From the rise of Bitcoin and Kickstarter to new initiatives from the Consumer Financial Protection Bureau CFPB there is a fresh entrepreneurial energy in and around financia
2、l services 对于金融服务行业而 言 今 年 具有重 大意义 从比特币 和众筹融资平台 Kickstarter的崛起 到消费者金融保护局 CFPB 的新举措 在金融服务行业 内部及周围表现出清新的创业活力 The 7 financial services trends below aren t predictions Rather this is a list of opportunities and challenges worth watching in the coming year How will these trends affect your financial busi
3、ness strategy 下面列出的金融服务行业七大发展趋势并不是预测 而是明年值得关注的一系列 机遇和挑战 这些趋势将会如何影响你的金融业务的发展策略呢 New Regulatory Initiatives 新的监管措施 The new CFPB isn t going anywhere They have a technically astute team and they are committed to doing things differently to achieve their objectives In practice this means the government
4、is trying to be proactive rather than just serving as the enforcer through policies and rule making It s smart for the CFPB to avoid being seen only as a punitive legal enforcer and instead establish themselves as thought leaders who know what Americans want Unfortunately large financial institution
5、s consider fines and legal action as the cost of doing business If the CFPB can stay ahead of the industry even in a small way by connecting to Americans directly it can help change the existing dynamic from reactive to proactive regulation Regardless of where you stand politically if executed well
6、their strategic plan would positively impact Americans Expect new regulations this coming year especially around short term lending and direct to consumer marketing tactics 新成立的 CFPB哪儿都不会去 他们拥有一个精明强干的团队 而且他们致力于 采用不同的方式开展工作 以实现他们的目标 在实践中 这意味着政府正在试 图采取主动 而不是仅仅通过政策和规则的制定充当 执行者 的角色 对于 CFPB 而言 明智的做法是避免自己
7、仅仅被看作是一个施以惩罚的法律执行者 而是奠定自己的思想领袖地位 了解美国人民想要什么 不幸的是 大型金融机 构把罚款和诉讼看成是做生意的成本 如果 CFPB 能够通过直接与美国民众建立 联系而走在行业前面 即使略微超前 那么就可以帮助改变现有的形势 从被 动监管变成主动监管 无论你在政治上站在哪一边 如果执行得好的话 CFPB 的战略计划将会对美国民众产生积极的影响 预计明年会出台一系列新规 尤其 是围绕短期贷款和直接面向消费者的营销策略方面 Cost of Financial Data 金融数据的成本 Unlike traditional software businesses that
8、rely on Moore s Law and economies of scale to earn high margins financial services companies are expensive to start and operate In addition to high customer acquisition costs our businesses have high financial data costs As financial data becomes increasingly valuable it s going to get even harder t
9、o build new sustainable financial services businesses Access will improve but costs won t go down Financial services companies that depend on their own data resources will be at an advantage here but because historical financial data is so valuable your credit history for example financial data will
10、 continue to be expensive 与依靠摩尔定律和规模经济来赚取高利润的传统软件企业不同 金融服务公司的 启动和运营成本高昂 除了高昂的客户获取成本之外 金融服务公司还面临高昂 的金融数据成本 随着金融数据变得越来越有价值 建立新的可持续发展的金融 服务企业将会越来越困难 市场准入条件将会降低 但成本不会下降 依靠自身 数据资源的金融服务公司在这方面将占有优势 但由于历史金融数据非常有价值 比如你的信用记录 金融数据将会继续昂贵 Easier to Understand Financial Products 更容易理解金融产品 Mandatory regulatory dis
11、closures and the CARD Act aside it s becoming clear to financial services companies that transparency can create longer lasting business relationships with customers A transactional perspective can be useful for growth but within the financial services world customers now have a lot more choice Comp
12、anies like Lending Club and Square have proven how clear marketing and compelling terms can create value for everyone Tricky marketing of complex financial products is much easier to sell than easy to understand financial products that are useful The industry s challenge will be in creating more of
13、these better and easier to understand financial products 撇开监管部门的强制性信息披露规定以及 信用卡法案 CARD Act 不谈 对于金融服务公司而言 越来越明显的是 透明度可以建立起与客户更为持久的 业务关系 从业务的角度出发思考策略可能有益于业绩增长 但在金融服务行业 内 客户现在拥有更多的选择 P2P 借贷平台 Lending Club 和移动支付平台 Square 已经证明 清晰明了的营销和有吸引力的借贷条件会怎样为所有人创造 价值 与容易理解的很有用的金融产品相比 以花言巧语进行营销的复杂金融产 品更易销售 行业面临的挑战将在
14、于创造更多这类更好而且更容易理解的金融产 品 Automated Financial Tools 自动化的理财工具 In the very early days software products like Quicken were criticized for being too advanced for the average consumer and had too limited a market to be a worthwhile business That turned out to be wrong Today the same arguments could be made
15、about new automated financial tools like FutureAdvisor ReadyForZero our product Betterment ShareBuilder and others But they would also be wrong People don t like dealing with finances and software will automate common money management activities We will see this automation and convenience trend cont
16、inue throughout 2014 在很早以前 Quicken等软件产品被批评为对普通消费者而言过于艰深先进 而且市场太有限 不值得花费时间和精力 结果证明这种观点是错误的 如今 可以对个人理财规划网站FutureAdvisor 个人负债管理网站 ReadyForZero 我 们的产品 个人投资管理平台Betterment 在线经纪商 ShareBuilder及其他 新的自动化理财工具提出同样的论调 但是 这些论调也会是错误的 不喜欢与 财务和软件打交道的人们 将会让日常理财活动实现自动化 我们将会看到这个 自动化和便利化的趋势在整个2014 年延续 Better Financial APIs Interfaces 更好的财务应用程序接口和界面 If you re a developer you know Stripe has created a better interface for processing payments online This kind of processing service itself isn t new the interface is new
