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科孚(CRIF):2025年银行业展望报告:欧洲金融服务业迈向2030的发展路径(英文版)(18页).pdf

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1、Europes financial services on the road to 2030Banking on Banks 20252Banking on Banks 2025Europes financial services on the road to 2030ForewordChapter TwoIntroductionChapter ThreeChapter OneChapter FourChapter FiveConclusionAbout CRIFby Sara Costantini,Regional Director for the UK and Ireland,CRIFPa

2、ge 3The future of financial services in Europe Page 4Financial lives in 2025 Page 5The new challenges for Europes financial sectorPage 7What will change for consumers by 2030?Page 9Responding to consumer demandsPage 12Managing money with AI:smart move or risky bet?Page 14Whats next for financial ser

3、vices in Europe?Page 16Your journey to success begins with CRIF.Together to the next level.Page 173Banking on Banks 2025Europes financial services on the road to 2030Europes financial landscape is currently experiencing significant turbulence.From economic shocks and geopolitical instability to surg

4、ing costs and rapid technological advancement,the pressures on banks,insurers and other financial services providers have been both profound and unrelenting.The escalation of trade disputes,particularly between the U.S.and EU,has injected volatility into financial markets and disrupted cross-border

5、transactions.Geoeconomic fragmentation a shift away from globalization is increasing the frequency and severity of adverse economic shocks.Political instability in major economies like Germany and France,both of which entered 2025 without approved budgets,has further undermined investor confidence.T

6、hese developments underscore why 2025 marks a pivotal moment for the sector one that requires both reflection on the factors that brought us to where we are today,and what this will now mean for the future of financial services in Europe.This report builds on the findings of CRIFs previous report1 w

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1. **欧洲金融业面临多重挑战**:48%的金融专业人士将网络攻击视为首要风险,91%担忧欺诈和网络安全威胁;36%担忧经济衰退,32%关注地缘冲突影响。 2. **消费者行为趋谨慎**:55%的欧洲人更谨慎理财,43%更频繁查账户;29%减少储蓄,24%削减应急储蓄。 3. **2030年趋势预测**:67%消费者预计将不再与银行员工互动,77%期待全数字化金融管理;81%预计信贷依赖度上升,78%认为“先买后付”产品将增长。 4. **AI应用与风险并存**:62%的英国金融机构已采用生成式AI,但67%消费者担忧AI增加欺诈风险,56%支持AI应用但需明确监管规则。 5. **核心诉求:安全与信任**:49%的金融专业人士认为客户最优先需求是防欺诈与网络安全;54%消费者将通胀列为最大财务担忧。
欧洲金融未来? AI如何改变金融? 消费者需求变了?
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