超越消费者银行服务：下一个前沿

本报告概述并分析了银行业和生态系统银行的现状。全球现有银行正在实施的一些超越银行解决方案包括财务健康和教育、市场和生活方式福利、社区参与和教育以及家庭相关服务。它还提供了超越银行业务领域的观点，包括当前银行产品和服务价值链中利害关係人的未来机会和考虑因素。

超越银行业务是指银行超越其核心金融产品和传统银行业务，提供广泛不同的非核心产品和价值主张，以创造增强的整体价值主张。随着金融和非金融课题者进入金融服务业，并用创新产品和服务颠覆金融服务业，现有银行面临的创新压力越来越大。 PayPal 和 Nubank 等公司分别永久颠覆了支付产业和银行业。由于货币宽鬆政策降低利润率并推高已上升的成本，进一步的财务压力将持续到 2025 年。

范围

• 超过一半的 2024 年金融服务消费者调查受访者认为，现有银行仍将是传统银行产品的主要提供者。
• 剩余的产品份额（42-56％）几乎由竞争对手平均分配，这表明它们不再只是单一的工具，而是可以满足所有金融需求的完整提供者。
• 目前，中小企业的超越银行业务计划在这一领域处于领先地位，但人工智慧、金融科技、大型科技公司、超级应用程式以及潜在的贷款利润率缩水所带来的颠覆性影响将继续迫使零售银行进行创新并实现产品多样化。

购买原因

• 了解曾经专注于中小型企业的银行业务如何满足不断变化的消费者需求。
• 探索银行将生活方式、健康和增值服务融入其消费者产品的机会。
• 金融机构可以透过支持人们更广泛的生活目标（而不仅仅是金融交易）来建立更深层的关係。

目录

第1章 摘要整理

第2章 超越银行的简介

第3章 超越银行·主张

第4章 住宅产业的超越银行

第5章 超越银行的未来

第6章 结论

第7章 附录

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