Banking Ecosystem: What Do Retail Clients Expect from the Modern Financial Services Industry?

German banks are experiencing harsh times due to rising costs and declining profits. On the one hand, acquisition for new customers increasing because of rise innovative FinTechs, which entered market with specific goal: disrupting whole financial services industry by occupying parts value-chain. other Covid-19 pandemic as well an overall low level interest rates cause traditional source bank income still drain. Consequently, must rethink their strategies or identity, so speak, they go beyond offering products services. Having said that, may create sources stabilize economic situation replenish The given paper aims research opportunities establishing ecosystem model. In doing so, contributes current literature debate provides reference points start. Firstly, a systematic literature-review introduces selection works author regards significant. following step, quantitative data from online survey clients is analysed means descriptive statistics show perspective Germans offering. final findings indicate that surveyed retail banking express in offer, whereas non-financial lower than pendants.