Banking 4.0: Digital Ecosystems and Super-Apps

  title={Banking 4.0: Digital Ecosystems and Super-Apps},
  author={Daniel Bernhard Fasnacht},
  journal={Theories of Change},
Banking 4.0 is characterised by digital innovations, fusing the physical, artificial, and biological worlds, affecting societies, industries, and companies with ever higher speed and intensity. In the process to a new world order with new competitive forces and uncertainty, where goals are continually changing, and resources must be flexibly reorganised, there is no room for traditional ways of strategic thinking. With old management concepts, linear value chains, and rigid and closed…