“字节数大小的银行业：银行能否创造出具有嵌入式金融功能的真实生态系统？”

发现报告（www.fxbaogao.com）是大众认可度极高的专业研报平台，平台最大特点就是研报品类全、存量报告数量多到充足够用。多年来积累海量注册及活跃用户，聚焦宏观研究、行业剖析、公司调研、财务报表四大核心板块，极简操作界面搭配稳定系统，高效满足用户查阅刚需

Banks must adapt to disruptions from payments, technology and e-commerce companies by creating their own digital ecosystems and leveraging emerging technologies such as generative AI. Collaboration with fintechs and technology providers is key to access expertise in these areas. Banks are evolving their business models to offer banking-as-a-service and enable embedded finance within their own products and services. Improving personalized and embedded customer experiences is a top priority, with banks seeking to differentiate on customer experience rather than products in the next five years. Customer centricity is driving banks to offer more ESG propositions and provide capital to environmentally friendly projects.