2023-05-23-Capgemini-调整技术_书写未来（英）_54页_8mb

📊 TechnoVision 2023: Financial Services Summary

Main Theme: A holistic framework for transforming financial services through technology, focusing on user-centered design, data-driven operations, and collaborative ecosystems, all under the umbrella of "Right the Technology, Write the Future."

🔍 Key Strategic Areas (organized into Containers)

1. You Experience

• Users demand seamless, personalized, low-touch interactions powered by AI, automation, and immersive tech like the Metaverse.
  • Examples:
    • GenAI: Enables empathetic chatbots and generative services (e.g., State Farm’s virtual claims assessment).
    • Hyper-Personalization: Linked to predictive analytics (e.g., Digital Twins for fraud detection and risk modeling).
  • Outcome: Enhanced customer engagement, reduced friction, and faster response times.

2. We Collaborate

• Cross-industry partnerships are vital for value creation through open ecosystems (e.g., Embedded Finance, APIs).
  • Key Trends:
    • Central Bank Digital Currencies (CBDCs): CBDCs in >95% of GDP countries are reshaping payments.
    • Tokenization of assets enables fractional ownership and new investment models (e.g., Crypto-insurance via NFTs).
    • Remote/hybrid work models boosted by AI-driven productivity tools (e.g., Zoom, ChatGPT).

3. Thriving on Data

• Data is central to ESG compliance, risk management, and customer experience, with a focus on data ethics.
  • Highlights:
    • Data Mesh principles to empower decentralized data governance.
    • Generative AI reduces manual effort by synthesizing insights (e.g., Carbon Footprint Tools).
    • Rising demand for cloud modernization to achieve Net Zero goals (e.g., BancoEstado reducing energy use by 30%).

4. Process on the Fly

• RPA/Automation is evolving with AI and digital twins, enabling adaptive, touchless workflows.
  • Use Cases:
    • Claims Automation (e.g., Swiss Re and State Farm).
    • Hybrid Work Models: Increased reliance on asynchronous collaboration tools like Notion and Otter.ai.

5. Applications Unleashed

• Composable microservices and low-code platforms accelerate digital product innovation.
  • Examples:
    • Dynamic Insurance APIs (e.g., AXA UK’s multi-cloud strategy).
    • GenAI Applications: Fraud detection, personalized advisory (e.g., Vanguard’s "Project Genome").

6. Invisible Infostructure

• Cloud-Edge Integration (AWS, Azure, MLOps) drives interoperability while minimizing carbon footprints.
  • Key Developments:
    • Confidential Computing to secure data at rest/processing.
    • Serverless deployment models reducing infrastructure costs.

7. Balance by Design

• Future-proofing requires balancing profitability with sustainability (ESG).
  • Approach:
    • Decarbonized workflows (e.g., Wells Fargo-Microsoft cloud integration).
    • Low-Code tools democratizing app development while adhering to ESG constraints.

📌 Summary in 7 Key Principles for FS Organizations

📊 Outcomes Achieved

• ROI uplift through automation: cited >$16B savings from AI-driven customer service alone.
• ESG impact: >50% reduction in emissions via cloud migration.
• Customer Experience: Reduced reportable events by 76% through real-time data sharing.

🔮 Future Outlook

Partner ecosystems will dominate, powered by AutoML, Meta-Human Interfaces, and DeFi-RegTech convergence, with Capgemini as a key enabler in orchestrating these transformations.