Global financial markets are currently in a state of upheaval due to technical innovations, shifting customer needs and regulatory requirements. Established structures are faced with the challenge of defending their existing value chain against new market entrants, especially in the field of payment transactions. Financial institutions are losing their grip on the opportunity for success, namely the customer touchpoint.

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The conditions in the financial industry are subject to a structural change. Driven by financial crises, digitalisation, mobilization and immediate availability of computer access by smartphones up to software deployment process on app stores, financial institutions see themselves exposed to a number of new challenges. The White Paper "Want >> Can" analyses and identifies the challenges for financial institutions and shows the underlying mechanisms of action. It shows solution scenarios for dealing with these phenomena, to anticipate the constant changes and to take advantage of them.

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The strategies of the largest e-commerce organizations extend far beyond pure merchandising. Amazon, eBay, Otto, and the Chinese company Alibaba offer comprehensive solutions that enable not only the exchange of goods across trade platforms and market places, but also the storage and transport of goods as well as methods of payment. Payment services particularly stand out among these elements, as their role has changed from supporting merchandising to being an independent driver of growth for these businesses.

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It’s not news to anyone that innovative developments in the financial services market have an impact on the payment transactions segment. While six months ago the market was being flooded by attachable devices for smartphones and tablets, followed by the introduction of multiple apps targeting the payment transactions at supermarket tills, the next wave of developments already seems to be heading our way, only this time, the main initiators are actors who are rather new participants in the field of innovation: the banks.

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For businesses, a powerful and agile IT system is an increasingly important factor for success. This principle is especially true for IT-intensive sectors in which companies must constantly keep up with technological developments. In particular, large companies that have grown over the years face an enormous challenge regarding aging IT systems and simultaneously increasing cost pressures.

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