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Mobiquity:2023年银行业可持续发展全球基准-挑战者银行 VS 传统银行(英文版)(19页).pdf

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1、1A global benchmark for sustainable banking 2023CHALLENGER VS TRADITIONAL BANKS2OVERVIEWTable of contentsCHAPTER 1Foreword:Peter-Jan van de Venn,VP Global Digital Banking,MobiquityCHAPTER 2Main findingsCHAPTER 3SummaryCHAPTER 4MethodologyCHAPTER 5How Mobiquity can help34161718CONTACTGet in touch193C

2、HAPTER 1ForewordPeter-Jan van de Venn,VP Global Digital Banking,MobiquityWe are pleased to present this specialised report,an extension of our broader“Global benchmark for sustainable banking.”This edition focuses on the nuanced differences between traditional and challenger banks in their approach

3、to sustainability.While the global conversation around sustainability continues to gain momentum,its important to recognise that the financial sector is part of this evolving dialogue.Our broader report provides an industry-wide perspective,but this focused analysis aims to offer insights into the u

4、nique challenges and opportunities that different types of banks face.Our previous work has highlighted a notable gap between intent and action in the banking sector.In this edition,we explore whether this gap varies when comparing traditional institutions with challenger banks.With significant inve

5、stment opportunities linked to climate change mitigation and adaptation,the subject remains relevant for all players in the field.Regulatory changes are on the horizon,but they are just one part of the equation.A new generation of consumers and employees is gradually shaping the way brands think abo

6、ut their purpose,extending beyond mere compliance to a more holistic view of what sustainability means.Technology continues to offer innovative solutions,from artificial intelligence to advanced data analytics.However,the effective use of these tools requires a cultural commitment to sustainability

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本文主要讨论了传统银行和挑战者银行在可持续性方面的差异。主要观点如下: 1. 2023年调查显示,与2022年相比,董事会报告和将可持续性纳入企业战略的情况有所下降。 2. 传统银行在所有地区都将当前经济形势列为首要关注点,这阻碍了2022年对可持续性银行的增加关注。 3. 传统银行在采取促进可持续行为和结果方面略微领先于挑战者银行。 4. 挑战者银行将人才管理和可持续性作为董事会层面的主要关注点,而传统银行则将当前经济形势视为首要关注点。 5. 采用可持续行为的主要障碍是挑战者银行对人才和专业知识访问的限制,而传统银行则需要转变文化遗留问题。 6. 可持续性银行带来的好处包括提高盈利能力、通过创新数字产品和服务降低成本、提高客户保留率和竞争优势等。 7. 传统银行通过创新数字产品和服务实现了运营效率的提高和成本的降低。 8. 技术和可持续性越来越紧密地交织在一起,银行通过采用AI、ML、ChatGPT和数据分析等技术来优化运营,提高效率,并做出更明智的决策。
传统银行与挑战者银行在可持续性方面有何不同? 可持续性对银行业务策略的重要性如何变化? 银行在采用可持续行为时面临哪些主要障碍?
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