金融科技下细分市场的后发劣势

No Advantage for Market Laggards in the Fintech Era

对于特定细分市场,具有先发优势的金融机构进入市场后,可以有效满足市场中客户对服务的需求,后进入的金融机构将难以通过低成本的技术模仿来获取市场份额,后发优势也将不再存在。对此,金融机构在金融科技时代也要采用新的经营发展策略。

In the fintech era, financial institutions are no longer limited by time and space as they provide services to customers by making use of electronic as well as branch networks. They are better able to serve a greater number of customers, effectively expanding market boundaries. The financial institutions with a first mover advantage can enter new market segments and effectively meet customer demand. Fmancia institutions will therefore find it difficult to gain market share through the low-cost method of imitating existing technology. That will mean the advantage of market laggards will disappear, and financial institutions need to embrace new business development strategies in the fintech era.