Valtech：灵活把握未来消费者如何推动下一代银行业变革白皮书（英文版）（43页）.pdf

1、Flexing the FutureHow consumers are driving change in next-generation banking Contents0307152433IntroductionSafe spendingAI assuredSupporting societyAlways-on credit2Flexing the FutureInflation is making consumers reassess their loyaltyWith interest rates rising at historic rates,what it means to be

2、 a loyal customer is changing.In the UK,around 1.4 million households will face interest rate rises when they renew their fixed-rate mortgage this year.1 This will disrupt the industry as consumers wish to see their loyalty rewarded during the times theyre most in need.Banks will be expected to incr

3、ease their focus on the total value of the consumer and their importance.This has been neglected in the past decade for a focus on products that make a higher revenue during a low interest era.A landscape fraught with uncertainty In todays economic landscape,consumers are feeling the pressure,with m

4、any finding it increasingly difficult to get a grasp on their finances.Consumers want to approach their finances in a more sustainable way;get more savvy about insurance,save for retirement,explore alternative investments and access wealth management.However,despite a cost of living crisis,many stil

5、l want to splurge.This blend of desires,wants and needs is putting a lot of pressure on banks,but it also offers an exciting opportunity to align behind customer intent over custom journeys and products,and to take a supportive role not just in the lives of consumers but the communities and societie

6、s they exist in.Introduction3Flexing the FutureFinding firmer groundNine million people across the UK have no savings,and another five million have less than 100 while four in five people still struggle to talk about money.2 In this unstable climate,financial service brands have an opportunity to st