2025-01-19-Capgemini-凯捷金融服务2025年趋势-持续性（英）_35页_1mb

报告摘要

Capgemini Financial Services Top Trends 2025 Summary

Core Themes

Capgemini Financial Services (FS) identifies three core themes that will shape the financial services industry in 2025:

Customer First: Transforming customer experience through omnichannel interactions, personalized services, and enhanced digital engagement.
Enterprise Management: Enhancing agility, operational efficiency, and cost optimization through digital transformation and process innovation.
Intelligent Industry: Leveraging advanced technologies like AI, blockchain, and cloud solutions to deliver end-to-end digital experiences and transform value chains.

Key Trends by Sub-domain

Wealth Management

Seamless digital experience: Wealth firms are enhancing digital platforms to consolidate services and improve customer experience.
Hyper-personalized advisory: AI enables tailored investment advice strategies for clients.
Bridging generation gaps: Wealth firms adapt their advice to meet the needs of HNWIs across age groups.
Digital onboarding: Accelerates client acquisition and improves compliance through digital-first approaches.
Cloud-native wealth management platforms: Enable scalable and cost-efficient operations.
Gen AI for relationship manager efficiency: AI-powered assistants boost productivity and customer engagement.

Retail Banking

Omnichannel experience: Seamless integration of digital platforms, contact centers, and branches improves customer journeys.
Financial literacy: Apps and tools help customers manage budgets and increase financial inclusion.
Next-gen banking: Retail banks target youth with innovative, flexible products.
Deposit growth: Prioritizing deposit growth and reducing funding costs.
Onboarding efficiency: Digital identity management streamlines onboarding.
Leveraging open finance: Open finance regulations allow for a 360-degree customer view.
AI for efficiency gains: AI reimagines customer and employee journeys to improve productivity.

Payments

Open finance: Regulators are improving access to financial data, enabling new use cases.
Instant payment adoption: Instant payment rails are replacing traditional methods like checks and debit cards.
Cloud-based payment hubs: Enable unified and scalable multi-rail payment processing.
Multi-rail payment strategy: Offers flexibility and a single interface for various payment methods.
Data monetization: Payments data creates new revenue streams.
Decentralized identity: Enhances security and gives customers control over personal data.
Remittance transformation: Costs are dropping, and transfer times are speeding up.

Sustainability Trends

Trend 1: Sustainable Product Opportunities

Overview: Growth in eco-friendly debt instruments and insurance products.
Background:
- Sustainable finance market size is projected to grow at a CAGR of over 22%.
- ESG investment products show competitive ROI and are attracting more investors.
- Green bond issuance is expected to rise by 30%, funding renewable projects.
Impact:
- Sustainable finance products help reduce GHG emissions and support SDGs.
- Financial institutions are offering products for underserved communities, promoting financial inclusion.
- Examples: Allianz's Surety Green2Green, American Express's Green Card.

Trend 2: Sustainability Service Opportunities

Overview: Financial institutions support clients beyond financing to accelerate net zero transition.
Background:
- 70% of consumers in emerging markets and millennials prioritize sustainability.
- ESG advisory opportunities are growing due to increased ESG investments.
- Sustainability-focused brands see higher retention rates.
Impact:
- Financial institutions are reshaping supply chains and investment portfolios.
- Integration of ESG into product development and business models is increasing.
- Examples: ING's sustainability app, Chubb's Climate+ service.

Trend 3: ESG Risk Criteria

Overview: Financial institutions are incorporating ESG risk scenarios into their investment and risk management strategies.
Background:
- ESG disputes have cost S&P 500 firms over USD 600 billion in market cap.
- Compliance with ESG reporting regulations (e.g., EU CSRD, SEC climate disclosures) is rising.
- ESG integration reduces financial volatility and improves profitability.
Impact:
- 71% of institutional investors will incorporate ESG into their portfolios by 2025.
- ESG-aligned firms are fetching premium valuations in M&A, PE, and IPOs.
- Financial institutions are adopting greenhushing strategies to avoid greenwashing accusations.

Priority Matrix

Capgemini's Priority Matrix highlights the following key sustainability trends:

Sustainable product opportunities
Sustainability service opportunities
ESG risk criteria
Increased regulation
Industrialized climate risk modeling
Greenwashing and greenhushing
Decarbonization of portfolios
Sustainability as corporate DNA
Gen AI aiding sustainability
Going beyond carbon emissions

Conclusion

The 2025 financial services trends emphasize a shift towards sustainability, customer-centricity, and digital innovation. Financial institutions are increasingly focusing on ESG integration, open finance, and AI-driven solutions to meet evolving consumer demands and regulatory requirements. Capgemini highlights that these trends are not only reshaping the industry but also offering new opportunities for growth, efficiency, and long-term value creation.

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