Journal of
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Archive » April 2019 » New specialized banks, commercial banks and new banking business models

New specialized banks, commercial banks and new banking business models

Roberto Ruozi,Pierpaolo Ferrari
April 2019 - n. 4
Jel codes: G21, G28

The Italian banking sector has become, and will become in the near future, much less homogeneous than in the past. Banking will increasingly be a mass activity and products and services will have the nature of commodities, in a context in which volumes will represent the winning variable. To make the sector more profitable and more solid, there is a pressing need to strengthen firms capital, diversify their financing sources and reduce dependence on bank credit. But banks must radically and rapidly evolve their business models.

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