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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That means smarter, smaller branch designs focused on sales and advice and a more flexible and functional smartphone interface for consumers.

Banking at the Speed of Light | Morgan Stanley

For the unbanked, it means access to accounts, savings and payment mechanisms. Europe could be an attractive investment story this year, grasefk more on valuation and fundamentals and less on late-cycle euphoria.

Large Cap Bank Analyst at Morgan Stanley, for banks, more customers on mobile also means cost savings. For consumers, mobile banking could mean better pricing, highly efficient branch networks, and state-of-the-art apps, driven by banks that realize app excellence is now a differentiator.

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

Thank You for Subscribing! Although global GDP has continued to grow, core inflation has remained stubbornly low. 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 banks benefit with increased efficiencies. It also provides financial data that allows banks to extend credit, creating a virtuous circle of economic growth. Tell us about yourself.

Betsy Graseck, CFA

Both countries benefit from advanced mobile and Internet infrastructure, flexible labor laws, and strong governmental support for technology and innovation.


Thank You for Taking the Survey! Research Have eSports Hit the Majors? Among developed nations, Switzerland and the UK appear most likely to accelerate from here. Key winners in Asia could be India and Malaysia. The solution is likely the pocket-sized bank branch most of us carry each day: This dynamic could finally shift in Research Jan 29, Banking at the Morgzn of Light.

Bersy kind of ideas interest you most? Mobile banking is also an effective tool to reach unbanked populations—particularly in emerging markets —who may not have access to brick-and-mortar stznley.

For banks, new customers can be profitable even with lower deposit balances, as cost of acquisition through the mobile channel is significantly lower than through branches.

Banking at the Speed of Light

Stnley 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: The ability to transfer money instantaneously, instead of in days, promises an improved experience for customers and lower risk of fraud for banks.

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. Implementation of real-time payments should give incumbent players a leg up over FinTech apps.

The potential for savings is significant for U. Jan 17, Europe could be an attractive investment story this year, relying more on valuation and fundamentals and less on late-cycle euphoria. How would you describe yourself? The global banking industry is at a digital tipping point.

That balance shift may lead to more cooperation between incumbent banks and FinTechs. This, again, benefits both banks and customers. That could boost productive investment and consumptionhelp with business creation and help populations better manage financial risk. The research 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.


For the past several years, both countries have been making investments which could now pay off, delivering expense ratio saves almost double the basis points global average. Would you like to help us improve our coverage of topics that might interest you? That’s a win for banks that play this to their advantage by bringing new customers into the fold and shrinking their costs.

Sign up to get Morgan Stanley Ideas delivered to your inbox. To date, traditional banks in many countries have lagged FinTechs in offering real-time payments.

According to James Faucette, who covers U. The report notes that the largest opportunities are in regions with a large unbanked population that is young and likely to embrace mobile banking. Should investors be paying attention? The expansion of real-time payments could give banks around the world an opportunity to win new customers, improve engagement and raise efficiencies. 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.

One of the drivers of mobile apps is the roll-out of real-time payments.