https://bankloch.blogspot.com/2026/07/the-innovators-dilemma-will-banks.html
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“Financial services are fundamentally built on trust .”
“Therefore, it is often also called Digital Money Management .”
“Looking at banking today, it is difficult not to recognize parts of this pattern.”
“The Innovator's Dilemma: Will Banks Become the Next Kodak or the Next Microsoft?”
“open data, open APIs, Open Banking, Open Insurance …, but what does this new buzzword really mean?”
“Ironically, this often accelerates customer migration to the very competitors they are trying to catch.”
“Already for more than 20 years, several software vendors aim to give a solution to this , by providing applications, websites and/or apps.”
“Together, however, they can fundamentally reshape an industry.”
“Share Get link Facebook X Pinterest Email Other Apps 12 comments Read more Marketplaces in the financial industry - Here to stay?”
“Not because companies fail to innovate, but because they fail to embrace the innovations they have already created.”
“BlackBerry dismissed touchscreen devices because its enterprise customers loved physical keyboards.”
“The challenge for banks is therefore not a lack of innovation .”
“Even more importantly, incumbents face an uncomfortable paradox.”
“The very products that generate today’s profits often stand in the way of tomorrow’s growth .”
“These technologies provide a user experience which is more intuitive, personalised and pleasant , as they introduce an element of gamification to t...”
“AI, digital identity, tokenization, embedded finance, real-time payments, programmable money and personalized financial advice may each seem manageable in isolation.”
“Independent of whether it is a good or bad strategic decision (the future will tell), it is clearly part of a much larger strategy of KBC to convert their banking app into a super-app (all-in-one app) .”
“The product is immature.”
“Fintechs optimize for experimentation, speed and learning .”
“They have invested billions in digital channels, cloud migration, fraud detection, anti-money laundering, payments modernization and cybersecurity.”
“Even the most innovative neo-banks still work with bank (current, saving, term and investment) accounts, cards (credit and debit), traditional credits, existing payment infrastructure… The user experience surrounding the origination and servicing of these products has dramatically improved (and will continue to evolve), but the underlying banking products are not really disrupted.”
“These components we will refer to as financial engines in this blog.”
“In the technology sector this evolution has been ongoing for multiple years (think about the travelling sector, allowing you to book any hotel online).”
“For more than fifteen years, headlines have predicted the end of traditional banks.”