Gartner Research

Market Trends: Banking and Securities, Western Europe, 2015

Published: 24 June 2015

ID: G00277123

Analyst(s): Vittorio D'Orazio , Rajesh Kandaswamy


The Western European banking industry will change remarkably throughout 2015 and 2016. Banking practice leads will need to change their strategic plans accordingly within four key areas: branch strategies, interest income, payments and regulatory compliance.

Table Of Contents


Market Trend

  • Debranching and Digital Transformation — Banks Will Reduce the Number of Branches While Transforming the Remaining Ones
  • The Recovery of the Lending Business — The Interest Income of Banks Will Recover Quickly and Will Drive Profitability
  • The Payment Challenge — Cash and Checks Will Decline in Use While Other Payment Means Will Come Up
    • The Traditional Payment Means Such as Checks and Cash Are Declining in Use Across Europe
    • New Payment Means Are Gaining Momentum
  • The Regulatory Opportunity — Regulations Will Drive New Opportunities to Banks and Technology and Service Providers
  • Technology Trend
    • Analytics, Analytics, Analytics: Digital Initiatives to Understand Your Customer
    • The Mobile Channel Will Be King While Security Will Be the Queen
    • Core Banking Replacement Projects Are at the Tipping Point
    • Software as a Service (SaaS)

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