麦肯锡（McKinsey）：重塑零售银行-增强下一个数字时代的银行业务（英文版）（15页）.pdf

1、Financial Services PracticeReshaping retail banks:Enhancing banking for the next digital ageThe current model of universal retail banking is unsustainable in the digital world.Banks will need to reinvent themselves,focusing on businesses where they can achieve and extend market leadership.October 20

2、22 Jorg Greuel/Getty ImagesThis article is a collaborative effort by Ashwin Adarkar,Stefano Cant,Klaus Dallerup,Vito Giudici,Enrico Lucchinetti,and Zaccaria Orlando,representing views from McKinseys Financial Services Practice.Retail banks have experienced respectable growth as the pandemic has abat

3、ed,and it is tempting to declare that the state of global retail banking is healthy.However,taking a disaggregated view reveals the unsustainable economics of the universal banking model,in which an institution offers a full range of financial services,from daily banking(deposit accounts,payments,an

4、d credit cards)to more complex lending,wealth management,and even insurance.To supercharge their financial performance and defend market share,banks will need to target profit pools in specific businessesdaily banking activities,navigating life events,or building and protecting wealthwhere they can

5、define and deliver a value proposition that can win in our new digital age.While much has been made of the threat from fintechs and Big Tech,we believe incumbent banks will continue to lead in retail banking.Banks running the old playbook,however,will not survive;the new winners will operate like te

6、ch companies,with advanced data capabilities,a cutting-edge tech stack,and an agile operating model.Banking has rebounded but faces severe challengesWith profit pools surpassing$680 billion,according to McKinseys Global Banking Pools,global retail banking delivers 48 percent of total banking profits