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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Sign up to get Morgan Stanley Ideas delivered to your inbox. How would you describe 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.

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For the unbanked, it means access to accounts, savings and payment mechanisms. It also provides financial data that allows banks to extend credit, creating a virtuous circle of economic growth. 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.

The expansion of real-time payments could give banks around the world an opportunity to win new customers, improve engagement and raise efficiencies.

Banking at the Speed of Light

That’s a win for banks that play this to their advantage by bringing new customers into grseck fold and shrinking their costs. 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. Among developed nations, Switzerland and the UK appear most likely to accelerate from here. Implementation of real-time payments should give incumbent players a leg up over FinTech apps.


Key winners in Asia could be India and Malaysia. Sganley 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.

For banks, new customers can be profitable even with lower deposit balances, as cost of acquisition through the mobile channel is significantly lower grasecm through branches. To date, traditional banks in many countries have lagged FinTechs in offering real-time payments. Research Jan 29, Banking at the Speed of Light. Although global GDP has continued to grow, core inflation has remained stubbornly low.

Should investors be paying attention? Armed with the ability to conduct the most typical banking activities like depositing checks, stanleg money and making payments, more consumers now consider digital banking to be critical in assessing which banks to choose.

Banking at the Speed of Light | Morgan Stanley

The report notes that the largest opportunities are in regions with a large unbanked population that is young and likely to embrace mobile banking. This, again, benefits both banks and customers.

According to James Faucette, grasseck covers U. This dynamic could finally shift in That balance shift may lead to more cooperation between incumbent banks and FinTechs.

Research Have eSports Hit the Majors? Technology infrastructure, a population’s propensity to embrace mobile, regulations and ease of cost cutting. The solution is likely the pocket-sized bank branch most of us carry each day: Both countries benefit from advanced mobile and Internet infrastructure, flexible labor laws, and strong governmental support for technology and innovation.

Jan 17, Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria. Tell us about yourself.

Betsy Graseck

That means smarter, smaller branch designs focused on sales and advice and a more flexible and functional smartphone interface for consumers. Large Cap Bank Analyst at Morgan Stanley, for banks, more customers on mobile also means cost savings.


Thank You for Taking the Survey! The global banking industry is at a digital tipping point. The potential for savings is significant for U. The banks benefit with increased efficiencies. What kind of ideas interest you most? The ability to transfer money instantaneously, instead of in days, promises besy improved experience for customers and lower risk of fraud for banks. Thank You for Subscribing! 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 morgann demand.

Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria. 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: One of the drivers of mobile apps is the roll-out of real-time payments.

That could boost productive investment and consumptionhelp with business creation and help populations better manage financial risk.

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 markets. Would you like to help us improve our coverage of topics that might interest you?