Official Twitter account of Morgan Stanley. We provide a range of investment banking, securities, investment management & wealth management services. Morgan Stanley downgrades rival investment bank Goldman Sachs in light of from regulators,” wrote Morgan Stanley analyst Betsy Graseck. Betsy Graseck is a Managing Director at Morgan Stanley. Betsy is Global Banks and Diversified Financials Research Head and covers US Large-Cap Banks.

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Both countries benefit from advanced mobile and Internet infrastructure, flexible labor laws, and strong grasecm support for technology and innovation. That means smarter, smaller branch designs focused on sales and advice and a more flexible and functional smartphone interface for consumers. Mobile banking is also an effective tool to reach unbanked populations—particularly in emerging markets —who may not have access to brick-and-mortar branches.

This dynamic could finally shift in Technology infrastructure, a population’s propensity to embrace mobile, regulations and ease of cost cutting.

It also provides financial gfaseck that allows banks to extend credit, creating a virtuous circle of economic growth. Research Jan 29, Banking at the Speed of Light.

Betsy Graseck, CFA

Thank You for Taking the Survey! What kind of ideas interest you most? Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria. Among developed nations, Switzerland and the UK appear most likely to accelerate from here.

This, again, benefits both banks and customers.

Banking at the Speed of Light

While the move away from old-fashioned teller banking has been slowly gaining ground, the smartphone has finally given consumers the power to truly bank on demand. One of the drivers of mobile apps is the roll-out of real-time payments.


The report notes that the largest opportunities are in regions with stanpey large unbanked population that is young and likely to embrace mobile banking. Research Have eSports Hit the Majors? Large Cap Bank Analyst at Morgan Stanley, for banks, more customers on mobile also means cost savings.

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Thank You for Subscribing! The global banking industry is at a digital tipping point. Implementation of real-time payments should give incumbent players a leg up over FinTech apps. The research found that new digital innovations in banking could bring significant cost reductions for global banks, alongside increased customer satisfaction and financial inclusion for unbanked populations in emerging vetsy.

The potential for savings is significant for U. For banks, new customers can be profitable even with lower deposit balances, as cost of acquisition through the stanly channel is significantly lower than through branches.

How would you describe yourself? To date, traditional banks in many countries have lagged FinTechs in offering real-time payments. That balance shift may lead to more cooperation between incumbent banks and FinTechs.

Should investors be paying attention?

Banking at the Speed of Light | Morgan Stanley

The ability to transfer money instantaneously, instead of in days, promises an improved experience for customers and lower risk of fraud for banks. For consumers, mobile banking could mean better pricing, highly efficient branch networks, and state-of-the-art apps, driven by banks that realize app excellence is now a differentiator.

For the unbanked, it means access to accounts, savings and payment mechanisms. morvan

Sign up to get Morgan Stanley Ideas delivered to your inbox. The expansion of real-time payments could give banks around the world an opportunity to win new customers, improve engagement and raise efficiencies. For investors, the report notes four key indicators which are a guide to countries and banks most likely to win the app war and accelerate cost saves: For the past several years, both countries have been making investments which could now pay off, delivering expense ratio saves almost double the basis points global average.


The banks benefit with increased efficiencies. That’s a win for banks that play getsy to their advantage by bringing new customers into the fold and shrinking their costs.

The solution is likely the pocket-sized bank branch most of us carry each day: According to James Faucette, who covers U.

That could boost productive investment and consumptionhelp with business creation and help populations better manage financial risk. Jan 17, Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria. Armed with the ability to conduct the most typical banking activities like depositing checks, transferring money and making payments, more consumers now consider digital banking to be critical in assessing which banks to choose.

Tell us about yourself. As regulation stabilizes and rates begin to normalize, investors will be on the lookout for the next driver of earnings growth in the sector. Key winners in Asia could be India and Malaysia.

Although global GDP has continued to grow, core inflation has remained stubbornly low.