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市場調查報告書
歐洲・中東・非洲的金融服務：2012年的10大預測：不確定年代下的銀行業
EMEA Financial Services, 2012: Top 10 Predictions: Banking on Uncertain Times
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歐洲・中東・非洲的金融服務：2012年的10大預測：不確定年代下的銀行業 是由出版商IDC Financial Insights在2012年01月所出版的。
這份英文市場調查報告書包含Pages: 20 價格從美金4500起跳。
本報告，調查•分析歐洲・中東・非洲地區(EMEA)的金融服務業界與其相關的IT市場，提示市場概觀、2012年市場預測的前10大項目，加上重要建議，由下列摘要形式闡述。
第1章 預測
第2章 關於本調查報告
第3章 現況概觀
- 危險邊緣： 2012年經濟展望
- 2012年的動向： 艱困的平衡
第4章 將來展望
- 預測#1： 由於銀行關注在如何生存下去，IT支出明顯欠缺，IT預算僅些微增加3.8%
- 預測#2： 金融機關在技術和經營上尋求更進一步的經營效率改善與成本降低
- 預測#3： 風險管理的支出預期將成長6.8%，這連結至IT預算
- 預測#4： 透過資本最適化相關的法規遵循計畫，終於開始風險型銷售以及市場行銷
- 預測#5： 業界主導的複合式雲端構想，隨著針對法規遵守的成本侵蝕利潤，而被廣泛採用
- 以商業的重要機能為對象的SaaS，儘管法律規範尚未跟上腳步，逐漸出現採用的徵兆
- 預測#6： 銀行在借貸產品組合的持續去槓桿化上，更進一步活用Analytics(資料分析技術)
- 預測#7： 行動應用服務、社群以及群眾外包成為銀行的管道混合上的主要差異化因素
- 預測#8： 記憶體內運算出現在銀行的雷達螢幕上
- 預測#9： 金融服務部門遭受到前所未有的大量安全攻擊
- 藉由社群網務的惡意軟體也將會是2012年的一大威脅
- 預測#10： 行動支付將無法大流行，而在滲透上需要時間
第5章 重要建議
第6章 參考資料
附圖
This IDC Financial Insights report presents our top 10 predictions for the EMEA financial services sector in 2012. 2011 was another difficult year for the region's institutions, and the green shoots of recovery were highly conspicuous by their absence. The year ahead looks to be similarly stressful, with a multiplicity of problems likely to manifest themselves. Banks need to satisfy regulatory bodies that they are sufficiently well-capitalized to avoid posing a systemic risk to both the industry and wider economy; preserve an acceptable quality of customer service in an era when aging IT infrastructure is rapidly beginning to reach (or has reached) end-of-life; ensure they are not caught unawares by traditional and non-traditional competitors in the quest for differentiation; and demonstrate receptiveness to new approaches (such as increased use of cloud computing, mobility, and social) in order to keep pace with general lifestyle trends. "IT spending will be sluggish at best, with a forecast growth of 3.8%, and banks will be challenged to balance business growth with capital optimization priorities," said Rachel Hunt, EMEA Banking research director at IDC Financial Insights. "However, there will be pockets of investment, in particular around analytics, cloud, and mobility."
Table of Contents
Predictions
In This Study
Situation Overview
Future Outlook
IT Spending Will Lack Luster as Banks Focus on Survival; IT Budgets Will Increase by a Paltry 3.8%
Institutions Will Seek Additional Operational Efficiencies and Cost Savings in Every Technological and Operational Corner
Spending on Risk Management Leads the Way for IT Budgets, With Anticipated Growth of 6.8%
Compliance Programs Around Capital Optimization Finally Kick-Start Dynamic, Risk-Based Sales and Marketing
Industry-Led Hybrid Cloud Initiatives See Mass Adoption as the Cost of Regulation Strangles Margins
Banks Will Increase the Use of Analytics as They Continue to Deleverage Their Lending Portfolio
Mobility, Social, and Crowdsourcing Will Become Key Differentiators in Banks' Channel Mix
In-Memory Computing Will Appear on Banks' Radar Screens
The Financial Services Sector Will Experience an Ever-Increasing Number of Security Attacks
Mobile Payments Will Continue to be a Slow Burn Rather Than a Flaming Inferno
Essential Guidance
Learn More
Related Research
Synopsis
Figure: 2012 Market Dynamics
Figure: European Total IT Spending 5-Year Forecast
Figure: Capital Optimization and Risk Enabled CRM
Figure: Elements of Mobile Banking 2.0
Figure: Quarterly Growth of Mobile Malware
Figure: Quarterly Growth of Mobile Malware on the Android OS
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