Reshaping commercial banking

How to thrive with better business models

Cover image of a report on digital business ecosystems and their impact on commercial banking. Features a minimalist design with text.

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Commercial banking is changing faster than many commercial banks are.

Digital technologies and fintechs have unleashed innovation in commercial banking, driving rapid improvements in the quality of services delivered to business customers, increasing competition, and raising customer expectations.

In our latest report, experts from 11:FS Ventures and Infosys Finacle look at how digital business ecosystems have transformed commercial banking value chains and, most importantly, what banks need to do to thrive in them.

Inside the report

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Commercial banking is changing, fast.

Digital technologies and fintechs have unleashed innovation, driving rapid improvements in the quality of services delivered to business customers, increasing competition, and raising expectations.

A pixel art snail design, featuring concentric spiral shapes in white on a black background.

A new generation is here.

Fintechs and fast-moving incumbents are harnessing technology and partnering to build better solutions to commercial customers’ financial Jobs to be Done that are real-time, embedded, and contextual.

A simple pixelated graphic with a white square outline against a black background, featuring a red dot and additional abstract shapes.

Banks need new business models to thrive.

Only by partnering through digital business ecosystems will banks, fintechs, and other financial institutions be able to create, deliver, and realise value for customers faster than their competitors.

The authors

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Benjamin Ensor

Director of Research & Strategy, 11:FS

A Fintech Insider regular, Benjamin has more than 20 years' experience advising global FS firms about customer behaviour, market dynamics, and the impact of digital technology.

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David Barton-Grimley

Global Strategy Director, 11:FS

David is our Global Strategy Director, Embedded Financial Services. He's an expert at bringing new products and platforms to market and strategically designing services in complex ecosystems and institutions.

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Puneet Chhahira

Head of Product Management and Marketing, Infosys Finacle

Throughout his 16 years with Infosys Finacle, Puneet has collaborated with global banks, startups, and thought-leaders to gain a deep understanding of the industry and how modern technologies can unlock new possibilities.

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"It’s not that the banks don’t want to do this [innovate in business models]. It’s that the technology and fintechs are moving so fast that the banks can’t keep up.

Mayank Mishra

Managing Partner, Dhan Consulting, USA

"The six characteristics of digital commercial banking

David Barton-Grimley, co-author of the report, is joined by three other commercial banking experts to unpack the six characteristics of digital commercial banking; real-time, standardised, automated, embedded, contextual, and extendable.

We’ll explore what they are and how they can (or can’t) support a more efficient, reliable, and secure industry

Listen to the podcast