2025年全球金融服务业财富管理趋势报告（英）
AI智能总结Capgemini Financial Services Top Trends 2025
Key Themes
1. Customer Experience Transformation
- Omnichannel Engagement: Enhancing customer experiences across digital platforms, contact centers, and branches.
- AI for Efficiency: Utilizing artificial intelligence to boost productivity through reimagined customer and employee journeys.
- ESG Integration: Implementing intelligent ESG strategies and solutions.
2. Enterprise Management and Intelligent Operations
- RegTech for Compliance: Leveraging intelligent RegTech solutions to reduce compliance costs and timelines.
- Operational Resilience: Ensuring digital operational resilience for regulatory compliance.
- Onboarding Efficiency: Enhancing onboarding processes through digital identity management.
3. Wealth Management Innovations
- Cloud-Native Platforms: Scaling workflows and enabling cost-efficient wealth management processes.
- Seamless Digital Experience: Powering up digital platforms to consolidate services and create a seamless customer experience.
- Gen AI for Relationship Management: Using Gen AI to boost productivity of relationship managers.
- Digital Onboarding: Accelerating client acquisition and improving compliance through white-labeling.
4. Decentralized Identity and Data Monetization
- Decentralized Identity Management: Combating fraud and granting greater control over personal data.
- Payments Innovation: Advancements in remittance, multi-rail payment strategies, and cloud-based payment hubs.
- Instant Payments: Cannibalizing traditional payment methods like checks and debit cards.
- Multi-Territory Instant Payments: Revolutionizing cross-border payments for businesses.
5. Equipment and Capital Markets
- Frictionless Enterprise: Seamless omnichannel digital experience for equipment delivery.
- Ushering Digital Transformation: Leveraging data-driven management and decision-making.
- Simplifying Processes: Integrating AI and ML for efficiency while preserving human judgment.
- Green Asset Financing: Shaping the investment landscape towards sustainability.
- Embedded Finance: Transforming equipment leasing with seamless integration of financing solutions.
- Bespoke Solutions: Offering customized solutions efficiently and cost-effectively.
6. Sustainable Lending and Investment
- Sustainable Product Opportunities: Growth in eco-friendly debt instruments and insurance products.
- Sustainability as Corporate DNA: Incorporating sustainability into operations, products, and services.
- Industrialized Climate Risk Modeling: Assessing, managing, and disclosing climate-related risks.
- ESG Risk Criteria: Increasingly incorporating ESG factors into investment strategies and risk management processes.
- Decarbonization of Portfolios: Prioritizing low-carbon investments to reduce carbon footprints.
Adoption Priority and Business Impact
- Seamless Digital Experience: High significance, medium business impact by 2025.
- Hyper-personalized Advisory: High significance, high business impact by 2025.
- Bridging Generation Gaps: High significance, medium business impact by 2025.
This summary highlights the key trends and their potential impacts on the financial services sector in 2025, focusing on transformative changes in customer experience, enterprise management, wealth management, and sustainable practices.
