![]() We conducted an analysis of 12 real case studies from the payments utility sector and identified four main triggers for divestment: strategic aspiration, regulatory requirements, financial benefits, and governance conflicts. Over the past decade, several banks have divested their utilities, moving towards a pure customer role and turning utilities into companies with a more commercial orientation. Once this third stage is achieved, we have seen an increasing number of utilities change their shareholding structure. ![]() Creation by a group of banks is the first stage, followed by core business development and establishment on the market, through to business expansion. Utilities tend to develop along a common lifecycle. ![]() July 23, 2020Banking utilities are significant value creators for banks, whether they are designed to optimize a bank’s cost base or provide a new solution unavailable on the market. ![]()
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January 2023
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