凯捷：2024年零售银行业务热门趋势报告（英文版）（36页）.pdf

1、RETAIL BANKINGTOP TRENDS 2024CONTENTSForeword 3Introduction 4Top trends for 2024 5From 2023 to 2024,what has changed and what has not?6Trend 1:Banks compete for customer deposits as they navigate through business turbulence 8Trend 2:New-age players are switching gears from hyper-growth to profits 10

2、Trend 3:Banks pamper affluent customers with personalized products and services 12Trend 4:Banks expand ESG data use beyond compliance to strategic decision-making 14Trend 5:Digital operational resilience is a top priority as cybersecurity threats increase 16Trend 6:Cost control is necessary to hedge

3、 against economic volatility 18Trend 7:The next wave of innovation in cloud lies in edge computing,sovereign cloud,and cloud marketplaces 20Trend 8:Banks explore generative AI to elevate productivity 22Trend 9:Data is evolving from a proprietary asset to a shared,open resource 24Trend 10:Decentraliz

4、ed finance continues to evolve;banks need to be ready for soon-to-come regulatory frameworks 26Conclusion 28Retail Banking Top Trends 20242FOREWORDAnirban Bose Financial Services Strategic Business Unit CEOCapgeminiAs we enter 2024,the global economy remains sluggish.While record interest rate hikes

5、 punctuated the last 12 months,increasing the cost of money,inflation continues above target levels,increasing the cost of living.While overall the banking industry did well in 2023,the retail banking sector took a hit in deposits.Retail banks are prioritizing efficiency and cost management as a hed

6、ge against macroeconomic and geopolitical uncertainty.With several banks failing in 2023,customer trust is challenged,triggering a mass outflow of deposits and a general test of deposit stickiness.To attract customers and remain resilient,retail banks are offering aggressive deposit rates.Thanks to