2025-01-19-Capgemini-凯捷金融服务2025年趋势-资本市场（英）_33页_1mb

Capgemini Financial Services Top Trends 2025 Insights Summary

Overview

"Capital Markets Top Trends 2025" outlines key strategic themes influencing the financial services industry, divided into three broad categories: Customer First, Enterprise Management, and Intelligent Industry.

Top Trends by Theme

1. Customer Centricity

• Omnichannel Experiences: Wealth and retail banks enhance CX by integrating digital platforms with physical branches and contact centers.
• Hyper-Personalization: Gen AI enables tailored investment advice and financial literacy solutions.
• Digital Transformation: Trends include instant payments, real-world asset tokenization, and remittance innovation in cross-border payments.

2. Operational Efficiency & Compliance

• RegTech: Digitized KYC (Perpetual KYC revolution) and RegTech tools reduce compliance costs while meeting ESG and regulatory demands.
• Post-Trade Collaboration: Mutualization and outsourcing (e.g., State Street) streamline processes and cut costs.
• Climate Risk Modeling & Carbon Strategies: Banks integrate ESG risks into credit policies and portfolio stress testing, supported by AI and cloud platforms.

3. Technology Integration

• Gen AI & DLT: Capital markets leverage AI for fraud detection, KYC automation, and DLT for tokenized securities and settlement.
• Modernized Platforms: Cloud-native systems enable cost-efficiency and risk reduction while combating legacy issues.
• T+1 Settlement: Global adoption (e.g., UK & EU) boosts operational speed and reduces liquidity risks.

Key Business Drivers & Impacts

• Digital Onboarding: Reduces costs by 20% and accelerates client acquisition.
• Green Financing: ESG strategies drive $25T+ opportunities and customer loyalty.
• Operational Resilience: Cloud and DLT upgrades prepare firms for cyberattacks and regulatory scrutiny.

Expert Insights

• Prioritize trends with high business impact (e.g., Generative AI, ESG Product Strategy, Transaction Reporting Optimization).
• Diversify use cases across Customer Experience, Process Efficiency, and R&D for sustainable value creation.

Contact Info

• North America: P.V. Narayan, Pierre-Olivier Bouée
• Europe: Shinichi Tonomura, Nathan Summers
• APAC: Nilesh Vaidya, Ravi Makhija
• Emerging Markets: Tej Vakta, Gerard Jacob

Resources & Positioning

• Capgemini provides end-to-end technology services, Gen AI, and regulatory reporting solutions.
• Subscription for updates on Fintech and ESG trends available via Capgemini Financial Services.

Summary Notes

The report emphasizes innovation through Gen AI, DLT, and cloud technologies while addressing regulatory pressures and sustainability imperatives. Banks and capital markets players must adapt quickly to capitalize on these trends.