The following is the World retail banking report 2021 From Capgemini&Delete recommended by recordtrend.com. And this article belongs to the classification: research report, financial technology.
With the continuous impact of cowid-19 on the economy, a new era of value based and customer-centric banking has begun, which is called banking 4. X in the report.
To succeed in banking 4. X, banks must embrace digital transformation and implement the cloud based banking-as-a-service (baas) platform mode, which embeds banking business into daily life by using API, so that bank customers can more easily access and use related business.
In the past decade, neobanks and Challenger banks have attracted more than 39 million customers. The report found that at present 81% of consumers said that convenient channels and flexible banking business will make them turn to financial service providers in the new era to replace traditional banking business.
At the same time, many traditional banks are seeking to retain and expand their customer base, and have begun the journey of digitization and cost optimization. The epidemic has forced them to accelerate the pace of transformation. In addition, driven by the epidemic, retail bank customers now want to get on-demand, fully digital experience, super personalized service and all-weather help.
However, 46% of bank executives surveyed said they were not sure how to embrace open banking, coordinate the ecosystem, and become a real data-driven organization. These actions are an important part of the new way of banking, which Capgemini named banking 4. X.
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