Para reflexão

- É a vida!

Frase que pode ser proferida quando um incumbente bem gerido (em termos de exploitation) é "eliminado" do mercado por um disruptor.
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E quando um incumbente mal gerido, como a CGD, por exemplo, está tão concentrado a tentar sobreviver às consequências dos erros passados, os exageros do tempo das vacas gordas, que nem se foca na disrupção em curso?

"European banks need to drastically transform their business models to become sustainably profitable and earn their costs of equity. This report raises serious questions about the sustainability of current banking business models and offers three innovative strategic options for what traditional banks could become: platform banks, digital banks, or OEM banks — streamlined banks that emulate original equipment manufacturers.
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Our team recently studied 46 European banks and found that only 10 achieved a positive economic spread in 2015, thereby earning their costs of equity. The remaining banks in our study showed significant gaps in profitability. Overall, the European financial institutions we studied accumulated an earnings shortfall of €110 billion (US$125 billion).
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Platform banks: [Moi ici: Proposta de valor - Serviço] This model would be marked by open infrastructures and the assimilation of products from competitors and financial technology companies into a bank’s own offerings. The core competencies of platform banks would include customer relationship management and the anticipation of client needs, along with the maintenance of open product infrastructures. Digital banks: [Moi ici: Proposta de valor - Inovação] This model is characterized by extensive digitization of customer service as well as all downstream and back-office processes. Inspired by the product development approach of emerging technology companies, digital banks would be in a position to rapidly and efficiently respond to changes in customer or regulatory demands. OEM banks: [Moi ici: Proposta de valor - Preço] This model, inspired by automakers, calls for lean banks distinguished by a low degree of vertical integration. The traditional value chain would be dissolved and efficiency maximized by the integration of external vendors. Although no traditional bank has yet made the full transition to any of these new models, there are signs that some institutions are moving in."

Trechos retirados de "Strategy & European Banking Outlook 2016: It's time to radically rethink business models"