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零售银行业务：凯捷金融服务2025年热门趋势
凯捷研究院·2025-01-20 02:41

Investment Rating - The report does not explicitly provide an investment rating for the industry. Core Insights - The report identifies three major themes for the financial services industry trends in 2025: Customer First, Enterprise Management, and Intelligent Industry [5]. Summary by Relevant Sections Customer First - The focus is on transforming customer experience through seamless digital interactions across channels, enhancing financial literacy, and targeting younger demographics for long-term customer loyalty [6][34]. - Financial knowledge and personal budgeting applications are crucial for boosting customer confidence and promoting financial inclusion [26][28]. - The next generation of banking is aimed at young customers, with a projected compound annual growth rate of 10.6% for youth-targeted financial products from 2023 to 2032, potentially generating 790billioninrevenue[34][36].EnterpriseManagement−Digitaloperationalresilienceisessentialforcompliance,withbanksneedingtoimplementrobustITsecuritymeasurestoprotectagainstdatabreachesandcyberthreats[43][45].−TheadoptionofsmartRegTechsolutionsisexpectedtoreducecompliancecostsandtimelines,asbanksfaceincreasingregulatorypressures[52][54].−Depositgrowthremainsapriorityforretailbanks,withstrategiestocombinesavingsaccountswithcreditorinvestmentoptionstoprovidegreatervaluetocustomers[62][64].IntelligentIndustry−TheintegrationofAIisanticipatedtoenhanceproductivitybyreimaginingcustomerandemployeejourneys,withpotentialprofitincreasesof790 billion in revenue [34][36]. Enterprise Management - Digital operational resilience is essential for compliance, with banks needing to implement robust IT security measures to protect against data breaches and cyber threats [43][45]. - The adoption of smart RegTech solutions is expected to reduce compliance costs and timelines, as banks face increasing regulatory pressures [52][54]. - Deposit growth remains a priority for retail banks, with strategies to combine savings accounts with credit or investment options to provide greater value to customers [62][64]. Intelligent Industry - The integration of AI is anticipated to enhance productivity by reimagining customer and employee journeys, with potential profit increases of 170 billion in the banking sector by 2028 through automation [76][78]. - Banks are expected to implement intelligent ESG product strategies, aligning with sustainability goals and regulatory requirements [84]. Additional Trends - The report highlights the importance of onboarding efficiency through digital identity management, which can streamline customer acquisition processes [69][71]. - The emphasis on cross-channel customer journeys aims to eliminate friction and improve overall customer experience [18][20].