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凯捷(Capgemini):2025年金融服务业零售银行趋势报告(英文版)(35页).pdf

上传人: Kell****reet 编号:402976 2025-01-15 33页 2.19MB

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1、RESEARCH INSTITUTECapgemini Financial ServicesTop Trends 2025Retail BankingJanuary 2025ExploreTop Trends 2025Capgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|2#FinancialServicesTrends2025The Capgemini FS Top Trends 2025 span three broad themesCustomer FirstEnterprise ManagementI

2、ntelligent IndustryTransforming customer experience focusing on omnichannel interactions and the value of products and servicesRevamping processes,teams,solutions,and operations to run enterprises with greater agility and operational efficiency to optimize the cost of doing businessLeveraging the mo

3、st modern solutions to deliver an end-to-end digital experience that transforms the value chain from design to delivery of intelligent products and servicesCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|3#FinancialServicesTrends2025The Capgemini FS Top Trends in the Banking se

4、ctor by sub-domain(1/2)Retail BankingWealth ManagementPaymentsOmnichannel experience:Omnichannel customer journeys boost experiences across digital platforms,contact centers,and branchesAI for efficiency gains:Artificial intelligence will drive productivity by reimagining customer and employee journ

5、eysLeveraging open finance:Open finance regulations clear a path for retail banks to develop a 360-degree customer footprintESG product strategy:Banks will implement intelligent ESG product strategies and solutionsRegTechfor compliance:Intelligent RegTech solutions will reduce compliance costs and t

6、imelines,as retail banks face escalating risksFinancial literacy:Financial literacy and personal budget apps boost customer confidence and promote financial inclusionNext-gen banking:Retail banks set their sights on youth,the prime target of new age players,to secure long-term customer lifecycle gro

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本文主要讨论了2025年零售银行领域的十大趋势,包括: 1. 全面渠道体验:通过数字平台、呼叫中心和分支机构的无缝客户旅程,提升客户体验。 2. 金融素养:通过金融教育和个人预算应用程序提高客户信心,促进金融包容性。 3. 新一代银行:针对年轻客户,通过提供教育和银行工具来建立信任,确保长期客户关系。 4. 运营弹性:数字运营弹性对于监管合规至关重要。 5. 监管科技(RegTech)以提高效率:智能RegTech解决方案将降低合规成本和时间线。 6. 存款增长:存款增长仍然是零售银行的重点,同时降低资金成本。 7. 开户效率:零售银行采用数字身份管理实现无缝开户。 8. 人工智能(AI)以提高效率:AI将重新构想客户和员工旅程,提高生产力。 9. 环境、社会和治理(ESG)产品策略:银行将实施智能ESG产品策略和解决方案。 10. 利用开放金融:开放金融法规为零售银行开发全方位客户足迹铺平了道路。 这些趋势反映了零售银行在客户体验、运营效率、监管合规和盈利能力方面的关键挑战和机遇。
零售银行如何通过全渠道体验提升客户满意度? 金融素养提升对零售银行有何重要意义? 零售银行如何通过数字化运营韧性满足监管要求?
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