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In this blog, Julian Wells, Director at Whitecap Consulting, reflects on the findings of the research in relation to one of the hottest topics in FinTech – Open Banking.
Whitecap Consulting, in partnership with the Building Societies Association (BSA), recently published a report analysing the competitive landscape for the building society sector. The Whitecap team is summarising the key findings in a series of blogs.
You can download the report here
In this blog, Julian Wells, Director at Whitecap Consulting, reflects on the findings of the research in relation to one of the hottest topics in FinTech – Open Banking.
In the online survey conducted during the research, we asked respondents about Open Banking, finding it to be perceived as an opportunity for building societies by 65% of survey respondents. We also found the largest opportunity from Open Banking is considered to lie with enhancing customer experience/ engagement (60%) and data connectivity (51%).
There is no doubt that building societies are acutely aware of the development of the increasingly prominent role APIs are playing in modernising the financial sector, fuelled by the continued and growing success of FinTech and Open Banking. At the same time, we found that while Open Banking is an area of strong interest for societies, it does not currently feature in their immediate priorities, with most CEOs adopting a ‘watch and see’ approach.
This may be a reflection of the fact that only 10% of building society survey respondents consider Open Banking to be a threat for the sector. We also found building society respondents were twice as likely to suggest that they had not fully assessed Open Banking’s potential (35%) over non-building society respondents (14%).
The potential of Open Banking and Open Finance
Moneyhub, a FinTech that provides secure, Open Banking (bank account and credit cards) and Open Finance (pensions, loans, mortgages, investments, property values) integrations and applications to businesses and individuals, has found wide ranging use cases for building societies, including:
FinTech firms interviewed during the research consider the use of Open Banking by building societies to be at a very basic level, citing opportunities for societies to adopt it to help streamline key processes such as ID and verification, dynamic data capture, and the evaluation of mortgage eligibility and automated regulatory reporting.
We reported on a number of current examples of the use of Open Banking within the building society sector, many of which are listed below. This year we can expect to see an ever increasing number of deployments of Open Banking within the building society sector as it gains further traction and as the financial services sector continues to move towards an Open Finance model.
Perhaps the greatest prize will be found in improved engagement - by being useful, relevant and personalised. Building societies appear to have a unique opportunity to use Open Finance as 21st Century financial wellbeing providers.
Examples of Open Banking deployments in the building society sector mentioned in the report include:
The BSA's next Digital Mutual virtual event will be a deep dive into how Open Banking and Open Finance can work for mutuals. Sam Seaton, chief executive officer at Moneyhub Enterprise, is one of the speakers and Newbury Building Society will also be talking through how it has worked with Moneyhub to provide an Open Banking proposition for its customers. To book tickets for the event, click here.
Footnote
Building Society Sector Analysis 2021: A review of the strategic landscape for building societies
The research underpinning this report was conducted by Whitecap Consulting in partnership with the BSA and involved a quantitative data analysis of all 43 building societies, interviews with 33 of the building society CEOs, and an online survey which received a total of 134 respondents.
This analysis and report have been funded through sponsorship from a number of industry stakeholders including: Credera, DPR, Equiniti, Mambu, Mutual Vision, Moneyhub, Nivo, Phoebus Software, Sandstone Technology, Shoosmiths and Sopra Banking Software.
The eight blogs in this series focus on key topics addressed in the research: FinTech, Strategy, Mutuality, Regionality, Technology, Open Banking, Mortgages, and Savings.
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