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Liệu Silicon Valley sẽ có thể thách thức Wall Street?
06 Mar, 2016
JPMorgan CEO Jamie Dimon trả lời là có thể, nhưng sẽ rất khó khăn đối với các fintech, thứ nhất là các ngân hàng hiện tại có số lượng khách hàng lớn và dễ dàng áp dụng công nghệ số để phục vụ khách hàng tốt hơn, nhanh hơn, rẻ hơn; và vấn đề đối với các fintech là ai là người cấp tín dụng cho họ khi khủng hoảng xảy ra...
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From Bloomberg:
We use technology to make it cheaper, better, and faster for the client. And then if you have the most flow, you can win. Now, having said that, Silicon Valley wants to take on this business. They think they see an opening.
...the biggest risk will be in the payment systems. I think the banks are pretty good at using digital technology to make it easier for customers. We have 23 million customers who bank on their phones now. It will be a challenge for anyone to be better, faster, cheaper than us. But some people think branchless banks can compete, and that can prove true in some cases.
JM: What challenges do you see on the horizon for fintech?
JD: One of the issues with some of these lenders is going to be, where will their provider of credit be when there’s a crisis? That’s why some of these smarter services, to support their operations, are courting more permanent capital. They want a source of longer-term funding that can survive a crisis.
“Businesses are going to make mistakes. They shouldn’t be shot and hung every time”
Tags: economics
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