It is clear that many of the new challenger banks , Fintechs, grow fast and are more complementary with large traditional banks
But a new range of companies enter the playing field, Techfins, that are companies that are primarily tech companies, expanding into finance.
The customer centric approach, that many traditional banks have lost, and where the Fintechs make the difference, has with global players as Amazon, Facebook and Google, a new range of financial service providers, that already play a fundamental role in global commerce.
Will they be amongst the main banks of tomorrow? And what role will the actuial challenger banks play in this new fintech-ecoysystem?
In 21st century communication technologies, internet, e-commerce and digital payments have removed the need of physical proximity for trade and commerce to happen. Will this thesis based on growth of 20th century cities (that didn't have such advanced infrastructure ) hold true for 21st century too?
Since 2008 AirBnB has been in the spotlight of the disruption it had on the hotel sector.
But what is the real impact on hotel sales ? And on the travel sales ?
Or does it even grow the hotel sale or hotel service offering ?