Hintz: Fintech Coming, Looks to Eat Banks' Lunch

Hintz: Fintech Coming, Looks to Eat Banks' Lunch

Assessment

Interactive Video

Business

University

Hard

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The transcript discusses the challenges faced by banks due to a flat yield curve, slow economic recovery, and competition from fintech. It highlights the increasing regulatory costs and technological constraints that banks face. Despite these challenges, the banking system is expected to survive, albeit with low returns. Deutsche Bank is specifically mentioned as struggling to meet its cost of capital.

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5 questions

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1.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is one of the main challenges banks face due to a flat yield curve?

Decreased regulatory costs

Limited profit from the spread

Higher interest rates

Increased lending opportunities

2.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

How has fintech impacted traditional banks?

By reducing regulatory costs

By increasing their lending capacity

By competing in certain loan market sectors

By improving their technology investments

3.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is a new source of profitability that banks are facing competition in?

Cryptocurrency exchanges

Real estate investments

Money transfer services

Stock market trading

4.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is one of the reasons banks are struggling to invest in new technology?

Lack of skilled workforce

Increasing regulatory costs

High interest rates

Decreasing customer base

5.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is the main issue faced by Deutsche Bank as mentioned in the video?

Not meeting its cost of capital

Exceeding its cost of capital

Meeting its cost of capital

Surpassing its profit expectations