2026 年银行业核心趋势：将行业挑战转化为可持续竞争优势.pptxVIP

CapgeminiFinancialServices

TopTrends2026

Banking

January2026

FSfirmsarestrugglingwithproductivity…

•Only35%offirmsfeelconfidentintacklingemergingfinancialrisksandthreats2

•With69%ofRMs’timebeingspentonnon-clienttaskslikeonboardingandcompliance3

…andbanksprioritizeefficiencywith…

•AI-drivenregulatoryplatformsenablingautonomouscompliance

•AgenticAI-ledRMsystemstounifyclientdataandgenerateintelligentinteractionsummaries.

•IntelligentautomationtoautomateRMworkflows

…torealize

•Streamlinedcompliance

•Reducedmanualeffort

•Enhancedproductivity

Markettrendsareevolvingrapidly…

•With59%ofretailbankexecutivesconcernedaboutrisingidentityfraud4

•As77%ofpaymentexecsseedisruptiontodebitcardsasthevolumeofinstantpaymentsgrows5

…leadingthemtotargetinitiativeslike…

•AI-powereddetectionenginestoenablefasterthreatdetection

•Fintechpartnershipsforscalingpaymentacceptance

•AI-drivenmerchantplatformsforglobalpaymentexpansion

…todrive

•Fasterthreatresponses

•Enhancedcustomerretention

•Sustainedcompetitivepositioning

Ourbankingtoptrendsspan

Customerengagement

•ImplementingagenticAItotransformcustomercontactcenters

•Usinggamified,mobile-firstplatformstoengageyoungercustomers

•LeveragingAI-poweredloyaltyprogramstodeveloppersonalizedoffersandservices

BanksanOpportunitytoAvoidaGenerationalTrustCliff;2.LSEG:Financialcrimecompliance:unpackingkeyrisksandchallenges;

#FinancialServicesTrends20262

Sources:1.FISGlobal:ConsumersLeaningonSocialMediaforFinancialAdvice,Giving

3.CapgeminiWorldWealthReport2025RelationshipManagerSurvey;4.SAS:Futu