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. Tell us about yourself. For the unbanked, it means access to accounts, savings and payment mechanisms. This, again, grasseck both banks and customers.

Betsy Graseck, CFA

The potential stanlley savings is significant for U. Key winners in Asia could be India and Malaysia. Jan 17, Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria.

stanleey This dynamic could finally shift in As regulation stabilizes and rates begin to normalize, investors will be on the lookout for the next driver of earnings growth in the sector. The report notes that the largest opportunities are tsanley regions with a large unbanked population that is young and likely to embrace mobile banking.

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How would you describe yourself? That balance shift may lead to more cooperation between incumbent banks and FinTechs. The global banking industry is at a digital tipping point. 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.

Technology infrastructure, a population’s propensity to embrace mobile, regulations and ease of cost cutting.

Banking at the Speed of Light | Morgan Stanley

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: Research Jan 29, Banking at the Speed of Light. Thank You for Taking the Survey!

To date, traditional banks in many countries have lagged FinTechs in offering real-time payments. Both countries benefit from advanced mobile and Internet infrastructure, flexible labor laws, and strong governmental support for technology and innovation.

Would you like to help us improve our coverage of topics that might interest you? Europe could be an attractive investment story this year, relying more on graseco and fundamentals and less on late-cycle euphoria.

Should investors be paying attention? 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 on demand.

The banks benefit with increased efficiencies. The solution is likely the pocket-sized bank branch most of us carry each day: The expansion of real-time payments could give banks around the world an opportunity to win new customers, improve engagement and raise efficiencies. Among developed nations, Switzerland and the UK appear most likely to accelerate from here.

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It also provides financial data that allows banks to mortan credit, creating a virtuous circle of economic growth. Research Have eSports Hit the Majors? One of the drivers of mobile apps is the roll-out of real-time payments. 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.

That’s a win for banks that play this to their advantage by bringing new customers into the fold and shrinking their costs. Implementation of real-time payments should give incumbent players a leg up over FinTech apps. What kind of ideas interest you most?

The hetsy 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.