Europejski Urząd Nadzoru Bankowego, Raport w sprawie platform cyfrowych w sektorze finansowym

SEPTEMBER 2021

EBA/REP/2021/26

REPORT ON THE USE OF DIGITAL PLATFORMS IN THE EU BANKING AND PAYMENTS SECTOR

Executive summary

In the context of the response to the COVID-19 crisis, the EBA has identified a sharp acceleration in the digitalisation of both front- and back-office processes in the EU’s banking and payment sector , with financial institutions increasingly developing or engaging third-party, technologies to facilitate customer access to financial products and services through digital means. Against this background the EBA has observed a rapid growth in the use of digital platforms to ‘bridge’ customers with financial institutions. This trend is expected to accelerate as financial institutions seek to satisfy customer ‘search for convenience’ and reduce costs, consistent with the core drivers of platformisation across all sectors of the EU economy. This use of digital platforms presents a range of potential opportunities for both EU customers and financial institutions and...