Capgemini-凯捷金融服务2025年趋势-持续性（英）-2025.1_34页_2mb

Capgemini Financial Services Top Trends 2025: Sustainability Summary

Core Themes

Capgemini Financial Services (FS) Top Trends 2025 are organized around three main themes:

1. Customer First

   • Focus on enhancing customer experience through omnichannel interactions and personalized services.
   • Emphasizes digital transformation and customer-centric strategies.

2. Enterprise Management

   • Aims to improve agility and operational efficiency.
   • Highlights the need for modernized processes, teams, and systems to optimize cost and performance.

3. Intelligent Industry

   • Leverages advanced technologies like AI, blockchain, and cloud to transform the value chain.
   • Seeks to deliver end-to-end digital experiences and intelligent products and services.

Key Trends by Sub-Domain

Wealth Management

• Seamless digital experience: Wealth firms enhance digital platforms to offer integrated services.
• Hyper-personalized advisory: AI enables tailored investment advice strategies.
• Bridging generation gaps: Wealth firms adapt to younger entrepreneurs and HNWIs.
• Digital onboarding: Accelerates client acquisition and compliance.
• Cloud-native platforms: Enable scalable, cost-efficient wealth management workflows.
• Unified operating models: Deliver consistent HNWI experiences globally.

Retail Banking

• Omnichannel experience: Enhances customer journeys across digital, contact centers, and branches.
• Financial literacy: Apps and tools improve customer confidence and inclusion.
• Next-gen banking: Targets youth for long-term growth.
• Onboarding efficiency: Digital identity management streamlines processes.
• Deposit growth: Focus on lowering funding costs and increasing deposits.
• Leveraging open finance: Develops a 360-degree customer view for better engagement.

Payments

• Open finance: Regulators improve data access, enabling more financial innovation.
• Instant payment adoption: Grows rapidly, replacing checks and debit cards.
• Cloud-based payment hubs: Enable multi-rail processing at scale.
• Multi-rail payment strategy: Offers flexible payment methods in a single interface.
• Data monetization: Payments data creates new revenue streams.
• Decentralized identity: Enhances security and gives customers control over personal data.

Sustainability Top Trends 2025 – Priority Matrix

Trend 1: Sustainable Product Opportunities

Background

• The sustainable finance market is projected to grow from USD 5.4 trillion in 2023 to USD 31.1 trillion by 2032, with a CAGR of over 22%.
• ESG investment products (green bonds, sustainable insurance) show competitive ROI and are outperforming traditional funds.
• Green bond issuance is expected to rise by 30%, supporting renewable energy and reducing emissions.

Impact

• Financial institutions are offering sustainable products to underserved communities, promoting financial inclusion.
• Sustainable finance products are reshaping global supply chains, requiring adjustments in product offerings and marketing.
• Companies with higher ESG scores see increased enterprise value and EBITDA multiples, highlighting the financial benefits of sustainability.

Examples

• Allianz: Launched Surety Green2Green to support low-carbon technologies through surety bonds and guarantees.
• American Express: Introduced the Green American Express Card made from 70% reclaimed plastic, offering rewards for sustainable purchases.

Trend 2: Sustainability Service Opportunities

Background

• By 2025, 70% of emerging market consumers and over 70% of millennials and Gen Z will prioritize sustainability in their purchasing decisions.
• ESG advisory opportunities are growing as demand for financial advice increases.
• Companies with strong ESG practices are gaining customer loyalty and trust, with up to 50% higher retention.

Impact

• Financial institutions are integrating ESG into their practices, offering advisory services and transparency tools.
• Sustainability reporting is becoming more transparent and standardized, using frameworks like GRI, SASB, and TCFD.
• Community engagement and local sustainability projects are enhancing brand reputation and trust.

Examples

• ING: Launched a sustainability app to track spending habits and provide environmental impact insights.
• Chubb: Introduced Chubb Climate+, a dedicated unit offering carbon reduction strategies and climate-focused advisory services.

Trend 3: ESG Risk Criteria

Background

• ESG-related disputes have cost S&P 500 corporations over USD 600 billion in market cap in the last 7 years.
• Regulatory frameworks like the EU CSRD and SEC climate disclosures require ESG risk assessment and reporting.
• Compliance costs are expected to reach USD 20 billion by 2025, and D&O losses have increased by over 40% year-over-year.

Impact

• By 2025, 71% of institutional investors will incorporate ESG into their portfolios to mitigate long-term risks.
• ESG metrics are increasingly used in M&A, PE, and IPO valuations, leading to premium valuations for ESG-aligned firms.
• ESG integration improves risk management, long-term performance, and investor confidence.

Key ESG Risk Factors

• Climate risks: Physical and transition risks (e.g., floods, policy shifts)
• Social risks: Labor practices, human rights, and inequality
• Governance risks: Transparency, board diversity, executive compensation, and corruption

Conclusion

Capgemini's 2025 Sustainability Trends highlight the growing importance of ESG integration and sustainable product development across the financial services industry. These trends are driven by regulatory changes, consumer demand, and technological advancements. Financial institutions are increasingly focusing on delivering personalized, transparent, and environmentally responsible services to remain competitive and meet evolving market expectations.