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white paper

Subhajit Das

Visiting Research Fellow at the Christensen Institute from TCS

Digitization, FinTech and the Future of Retail Banking

Is disruption in banking really as widespread as we have been led to believe?

Applying the Theory of Disruptive Innovation to analyze disruption in banking across payments, lending and wealth management segments reveals that disruption is not as widespread as assumed. Entrants are a threat in many product categories. However, with incumbents leveraging FinTech innovations to improve existing products, disruption in retail banking, especially in payments, is difficult.