Publicis Sapient：2023年“下一步”指南-金融服务业趋势展望（英文版）（53页）.pdf

1、1Guide to Next.2023FINANCIAL SERVICES2Guide to Next.Its time to start planning for whats next.Discover the trends and insights that will shape finance in 2023.3Guide to Next.TABLE OF CONTENTS38What Wealth Managers Can Learn From FinTechWealth Management44How a Platform Model Can Help Wealth Managers

2、 Win04Coreless Banking Is the FutureBanking0915Creating a Sustainable Banking StrategyDigital Asset Management:Using Blockchain to Cut Costs23The Future of Insurance:Why Digital Is Key to SuccessInsurance2832Three Ways Insurers Can Embrace the MetaverseThree Secrets for a Successful Digital Business

3、 Transformation4Guide to Next.5Guide to Next.Coreless Banking Is the FutureBANKING IS UNDERGOING A PROFOUND SHIFT AS BANKS MOVE AWAY FROM LEGACY TECH.BUT HOW DO YOU GO CORELESS?For decades,banks have run core banking systems(CBS)that control a huge range of essential functions.But the era of sprawli

4、ng,“maximalist”core systems that absorb everything from payee information to regulatory reporting has run its course.Banking technology is undergoing a profound transformation leading to an entirely differentminimalistapproach to CBS architecture.A modern CBS bears virtually no resemblance to existi

5、ng legacy systems.Where previous generations of CBS ran a huge range of functions,modern systems have stripped away all but the most fundamental,leaving a core comprising just accounts,transactions and product definitions.In todays“coreless”banking architecture,everything else sits outside this stri

6、pped-down set of functions,connecting to them via APIs.The advantages of this architecture are significant.Because functions are separated out and linked via APIs,innovation in each area is set free.Banks can innovate faster and choose the best toolsproprietary or externalor each function.Without a