Digital transformation of finance with emphasis on fintech companies

Finančni sektor je področje, na katerem nam večje bančne institucije nudijo osnovne finančne rešitve. Tako je bilo do nedavnega, dokler niso vstopila na trg finančno-tehnološka ali fintech podjetja. Ta nudijo inovativne rešitve na številnih področjih, kot so plačila, digitalna posojila in robosvetovalci. Bančni motiv je ustvarjanje dobička, medtem ko je motiv fintecha nudenje inovativnih in cenovno ugodnih storitev potrošniku. Ker se fintech osredotoča na kupca, potrebuje veliko informacij, ki jih lahko pridobi s pomočjo velikih podatkov in umetne inteligence. Tradicionalne banke postajajo manj zanimive ravno zaradi pomanjkanja inovativnih rešitev in dolgotrajnih procesov. Soočajo se s problemom preobrazbe, torej z vprašanjem, kako digitalizirati svoje poslovanje. Določene ustvarijo svojo finančno tehnologijo, velika večina pa jo kar odkupi od manjših fintech podjetij. Banke imajo edinstveno priložnost, da se digitalizirajo in se s tem zavarujejo pred novimi konkurenti.The financial sector is an area where larger banking institutions offer us basic financial solutions. This used to be the case until financial and technology companies or FinTech companies entered the market. They offer innovative solutions in several areas such as payments, digital loans, and robo-advisers. The banking motive is to make a profit, while FinTech\u27s motive is to offer innovative, affordable services to the consumer. Because FinTech focuses on the customer, it needs a lot of information which it can obtain through big data and artificial intelligence. Traditional banks are becoming less interesting, precisely because of the lack of innovative solutions and lengthy processes. They face the problem of transformation, that is, how to digitize their business. Some create their unique financial technology, but the vast majority buy the technology from smaller FinTech companies. Banks have a unique opportunity to digitize themselves to protect themselves against new competitors