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Before launching into the trends for business model transition towards the platform model, let us establish a common understanding of what a platform business model is.

The banking value chain can be broken down into three key identifiable layers. Manufacturing financial products and services forms the first level of value creation, consummating matches and identifying the most suitable product for a customer’s unique requirement the second, and delivering value through the distribution layer on a customer’s channel of choice the third.

The traditional vertically-integrated pipeline business model where banks manufacture and sell their own products is giving way to specialist roles aligned to these visible layers in the value chain.

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