银行账户15年内就会消失？

在近日召开的彭博社欧洲资本市场论坛上，德意志银行企业与投资银行业务负责人Marcus Schenck表示，我们常用的这种银行账户可能会在15年内，最快5年内消失。

Marcus Schenck的这番言论来自他最近的一次中国之行。他认为，现有的各类技术已经足以颠覆传统的零售行业。这样的趋势不可避免，金融机构必须时刻关注市场动态并且尽早做好准备。

比如，通过加密货币钱包，人们可以以数字方式进行储蓄，而不需要像银行这样的第三方。比特币及加密货币钱包已经非常普遍，但是许多人认为，由于加密货币本身被广泛使用，未来它们的使用范围可能会更广泛。

除了改变银行自身的运作方式之外，金融行业的技术进步也正在改变人们工作所需的相关技能。

Marcus Schenck认为，未来要想继续在银行业谋生，就必须要学会编程，这和学好英语一样重要。

但是对于这一观点，彭博社创始人兼首席执行官Michael Bloomberg却并不认同。他认为，求职者现在要做的其实应该是学好中文（普通话），这样才能更好地与中国市场进行合作。原因在于，大多数普通人所能习得的编程技巧未来不久后都会自动化，而语言则永远不可能完全实现数字化。

英文原文

Marcus Schenck, one of the most senior executives at Deutsche Bank, believes that bank accounts as we know them now could disappear in as little as five years.

Schenck, who is co-head of corporate and investment banking at the German lender, told Bloomberg's European Capital Markets Forum that a recent trip to China had opened his eyes to the fact that the retail banking sector is ripe for disruption from new technologies.

Asked by an audience member how he and fellow panel members — Barclays CEO Jes Staley and Societe General Chairman Lorenzo Bini Smaghi — were preparing for technological disruption, Schenck told an anecdote about visiting a company manufacturing computer chips.

"The week before last I was in China, and saw a company that is producing microchips that are used for bitcoin mining, or any type of blockchain technology," he said.

"There's a thesis that at some stage in 5, 10, 15, 20 years — who knows — accounts will disappear, and be replaced."

"That would be a game changer to what we're doing," Schenck said, adding that financial firms "have to monitor what's happening."

Schenck's argument concerns the creation of individual wallets for cryptocurrencies — whereby people are able to store their money digitally but without the need for a third party like a bank. Bitcoin and other cryptocurrency wallets are already widespread, but many believe their usage could spread even more rapidly in the future as cryptocurrencies themselves are more widely used.

"Technology is impacting the different businesses we are operating in in different ways," Schenck said, noting that in retail banking "there is a completely new normal evolving."

"The vast majority of activities are going down the path of being a more electronic interaction with your client. We have that in our trading business, in FX. The vast majority today, there are no human beings involved when we do business," he added.

As well as changing the way banks themselves operate, technological advances in the financial sector are also changing the skills that people looking to work in the industry need to possess to get ahead.

"I don't think we're far away from saying that whoever wants to works in a bank, better speak English, and better be able to code," Schenck said.

"Being able to code, I think, will be as relevant as being able to speak English."

Later in the same event, Schenck's advice on what skills are needed in the modern world were directly contradicted by Bloomberg founder and CEO, Michael Bloomberg, who said that jobseekers are far better served learning Mandarin, enabling them to do business in China, than they are coding.

That's because the level of coding that most normal people will be able to learn will be automated in the near future, Bloomberg said, while speaking a language can never be truly digitised.

译者：高旭

来源：BUSINESS INSIDER

清华大学五道口金融学院互联网实验室成立于2012年4月，是中国第一家专注于互联网金融领域研究的科研机构。

专业研究 |商业模式 • 政策研究 • 行业分析

内容平台 |未央网•"互联网金融"微信公众号iefinance