{"id":5217,"date":"2022-03-15T12:00:00","date_gmt":"2022-03-15T10:00:00","guid":{"rendered":"https:\/\/mwk.speckmann.com\/have-you-heardquo-vadis-current-accounttwo-current-podcasts-provide-answers\/"},"modified":"2024-08-05T19:03:48","modified_gmt":"2024-08-05T17:03:48","slug":"have-you-heardquo-vadis-current-accounttwo-current-podcasts-provide-answers","status":"publish","type":"post","link":"https:\/\/mwk.speckmann.com\/en\/have-you-heardquo-vadis-current-accounttwo-current-podcasts-provide-answers\/","title":{"rendered":"Have you heard?\nQuo vadis current account?\nTwo current podcasts provide answers!"},"content":{"rendered":"\n

You can feel it everywhere in the banking and savings bank world: institutions are currently taking a closer look at account models and current account prices.\nThe average current account price has risen by almost 40 % since 2015.\nPersistent pressure on earnings, untapped price potential – especially in a European comparison – and the “new” approval requirement are three key drivers.\nThe latter, particularly for the savings banks, for example, also in view of the upcoming necessary replacement of the Maestro Card: the next topic requiring consent.\nIt will not be the last.\nEven the neobanks are increasingly following the path of the universal banks when it comes to current accounts.\nSo why not make a virtue out of necessity and secure earnings and competitive advantages with a new current account strategy? <\/p>\n\n

But what do you need to look out for?\nHow do you do it right?\nWhat mistakes should you avoid? Finanz-Szene<\/strong> sheds light on this topic with two current podcasts<\/strong>. <\/p>\n\n

Dr. Peter Klenk<\/strong>, Partner at zeb<\/strong>, reports on pricing strategies<\/strong> at private banks<\/strong>.\nWe have summarized some key facts below.\nA central statement is that “big leaps [im Pricing] are no longer possible without changes to the service side [nach dem BGH Urteil] “.\nThe pure house bank model also appears to be exhausted.\nHe sees intelligent accounts differentiated by added value<\/strong> as the solution. <\/p>\n\n

Here,<\/a> our Managing Director Niels Kokkeel<\/strong> explains what this means, how it is done and what the “crazy boom in value-added services<\/strong>” is all about.<\/p>\n\n

Key statements on pricing strategies from the podcast by Dr. Klenk [sic]:<\/h2>\n\n

(1) Germany<\/strong> is in the European midfield for account prices<\/strong>.\nIt is only in the top 5 for account management fees. <\/p>\n\n

(2) The average monthly production costs of a current account<\/strong> are \u20ac 4-5.<\/p>\n\n

(3) Success factors price increase<\/strong>:<\/p>\n\n