Capital Markets & IT - lakyara December 2017
Financial institutions are under constant pressure to reduce costs, improve operational efficiency, adapt to regulatory changes and grow their business. NRI believes that a combination financial knowledge and information technology are crucial to the industry’s growth and development.
Through our lakyara reports, NRI identifies the various capital markets and IT issues impacting our clients and the future of their business.
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While Japan's regional financial institutions have dived deeply into FinTech over the past couple of years, some are now starting to show signs of FinTech fatigue after reaching key milestones such as API implementation. Nevertheless, financial institutions must undergo true digital transformation and better provide personalized services to capture and retain customers in the digital generation that will sustain their businesses in the future.
Crowdfunding and other online financing models that directly link investors with parties seeking funding are burgeoning globally. Such innovative modes of online financing are collectively called “alternative finance” in contradistinction to the traditional financial system. In Japan, alternative finance could spawn new financial markets, beginning with crowdfunded real estate investments.