凯捷（Capgemini）：&Efma：2020年全球金融科技报告（英文版）（36页）.pdf

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1、WORLD FINTECH REPORT 2020 2 Preface 3 Executive summary 4 Banks must board the last train to relevancy the Open X express 6 BigTechs and challenger banks have opened a Pandoras box of customer expectations. Can banks compete? 6 Why collaboration counts: FinTechs specialized tools and expertise can e

2、mpower banks 7 Open banking was just the beginning 8 The last mile is merely the visible result of customer experience 12 But behind the scenes, middle- and back-office operations affect customer perception 12 Back-end transformation can be a bumpy ride avoid potholes with collaboration by design 14

3、 FinTechs offer innovative enhancements for middle and back offices 16 Structure is essential for bank/FinTech partnership effectiveness 19 The disappointing reality of many bank/FinTech partnerships 19 Effective collaboration requires people, business, and process maturity on both sides 21 Players

4、that collaborate at scale to industrialize innovation will shine within the Open X sharing economy 25 Appendix 28 Methodology 32 About Us 34 Acknowledgements 35 TABLE OF CONTENTS World FinTech Report 2020 Its now or never. The financial services industry has been dealing with the impact of open bank

5、ing since we published the inaugural World FinTech Report in 2017. Fast forward to the World FinTech Report 2020 and the imminent Open X, a multi-sectoral open platform era maximizing the eXperience, and the harsh reality is that FinTechs have moved “from disruption to reality,” and banks that haven

6、t embraced effective collaboration with startups are struggling to retain and acquire new customers. Shaped by hyper-personalized service and mobile-only experience offered by unstoppable and ever-powerful BigTechs and agile challenger banks, consumer expectations are changing in real time. To keep