市場調查報告書

IDC FutureScape:全球金融服務市場的未來預測(2021年)

IDC FutureScape: Worldwide Financial Services 2021 Predictions

出版商 IDC 商品編碼 968040
出版日期 內容資訊 英文 20 Pages
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IDC FutureScape:全球金融服務市場的未來預測(2021年) IDC FutureScape: Worldwide Financial Services 2021 Predictions
出版日期: 2020年10月27日內容資訊: 英文 20 Pages
簡介

2020年是自2008年金融危機以來金融服務業面臨的最大挑戰。金融機構正在轉向員工的遠程工作,同時應對感染的蔓延,公共焦慮,自然災害等,同時確保員工的工作環境以及分支機構和呼叫中心關閉的客戶的交易環境。有必要繼續進行政府的快速轉變,對即將到來的衰退的應對以及政府命令的執行。彈性公司已經在投入大量資金來轉換為數字模型,在有利的情況下響應新需求,並著手開發適合 "新的日常生活" 的業務形式。

在本報告中,我們將考慮世界範圍內金融服務領域可能發生的技術和操作變更(共10項),並提供相關公司的管理人員將來應採取的措施的信息。

IDC FutureScape預測的市場趨勢(圖)

執行摘要

IDC FutureScape預測

  • 外部市場驅動因素:摘要
  • 未來預測:對技術購買者的影響
    • 預測1:到2023年底,零售銀行融資決策的75%將根據Fintech的建議進行解決,從而加速銀行與Fintech的業務合作
    • 預測2:到2023年底,將有10%的銀行使用消費者數位ID來驅動創新的業務模型並創造新的收入來源。
    • 預測3:到2022年,分支機構內部交易的40%將被設置為專業人士的預配置交易,在數位平台上啟動,並在銀行特定的技術和位置執行。
    • 預測4:到2022年,全球25%的最大保險公司將進入向新的核心保險系統過渡的時期
    • 預測5:到2025年,將有35%的消費者到企業電子支付將以實時或 "類似實時" 的非卡方式進行處理。
    • 預測6:到2023年,所有消費者/小企業貸款的75%將通過支持AI的自動化流程進行處理
    • 預測7:到2025年,將有20%的消費貸款以中央銀行的數字貨幣執行
    • 預測8:到2022年,將有超過100億美元的資產價值投資於分散式金融項目
    • 預測9:為應對COVID-19的不確定性,70%的公司銀行重新審視了信用評分模型,並實施了開放數據戰略,以在2023年之前改善其貸款組合的健康狀況。優先排序
    • 預測10:到2021年,將有25%的銀行將利用信息收集解決方案來改善其借貸環境,並允許在不進行攤銷的情況下收集壞賬
      • 相關市場驅動力
      • 對IT市場的影響
      • 業務影響
      • 推薦

給技術購買者的建議

外在市場驅動因素:詳細信息

  • 加速破壞:危機,恢復力,機會
  • "新的日常生活" :彈性的業務模型和運營模型
  • 戰略創新:現在塑造未來的公司
  • 重新定義客戶參與度:安全,可靠和可持續的數位體驗
  • "信息隨處可見" :數據驅動動作
  • 信任危機:應對不斷上升的期望
  • 數位平台:大型生態系統
    • 概述
    • 背景情況

參考

  • 相關研究
目錄
Product Code: US45821120

This IDC Financial Insights study developed seven drivers that both CIOs and their business partners should consider over the next five years. The list is not meant to be exhaustive nor is it meant to be final. IDC Financial Insights publishes a new list of drivers annually, and many are evolutionary. Last year's drivers were instrumental in developing this list, just as this year's drivers will be critical to the formulation of next year's drivers.Of the seven drivers, it became clear that some drivers had further reach within financial services than others. These drivers are more far reaching and thus are likely to have the most complexity and cost in implementation. Key drivers listed in the Summary of External Drivers section are in order based on the number of times they were cited by the global analyst team as impacting the prediction. At the end of the study (see the External Drivers: Detail section), a more in-depth analysis of the drivers is provided."2020 has certainly presented the biggest challenge to the financial services industry since the financial crisis in 2008," says Marc DeCastro, research director, IDC Financial Insights. "As we dealt with global pandemics, civil unrest, and natural disasters, institutions needed to run the organization while rapidly transition to a remote workforce, plan for a looming recession, and implement government mandates while allowing customers and employees the ability to work and conduct their business when branches were closed and call centers shuttered. Resilient organizations that had already invested heavily in transforming toward a digital model have fared better in meeting these new demands and are already focused on being innovative in the new normal."

IDC FutureScape Figure

Executive Summary

IDC FutureScape Predictions

  • Summary of External Drivers
  • Predictions: Impact on Technology Buyers
    • Prediction 1: By the End of 2023, 75% of Lending Decisions in Retail Banking Will Be Supported by Fintech Propositions, Underscoring Accelerating Bank-Fintech Collaboration
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 2: By the End of 2023, 10% of Banks Will Use Consumer Digital Identities to Drive New, Innovative Business Models Creating New Sources of Revenue
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 3: By 2022, 40% of In-Branch Transactions Will Be Initiated as Prestaged Transactions or Appointments for Specialists That Start on Digital Platforms and Fulfilled on Bank-Owned Technology and Locations
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 4: By 2022, 25% of Global Tier 1 Insurers Will Be on a Path to New Core Insurance Systems
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 5: In 2025, 35% of Electronic Consumer to Business Payments Will Be Completed Using Real-Time or "Real-Time Like" Noncard Methods
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 6: By 2023, 75% of All Consumer and Small Business Loans Will Be Originated Through AI-Enabled and Automated Processes
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 7: In 2025, 20% of Consumer Loans Will Be Disbursed in a Central Bank Digital Currency
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 8: By 2022, More than $10 Billion in Asset Value Will Be Locked into Decentralized Finance Projects
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 9: To Counter the Uncertainty of the Pandemic, 70% of Corporate Banks Will Revisit Credit Scoring Models and Prioritize an Open Data Strategy to Improve Loan Portfolio Health by 2023
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 10: In 2021, 25% of Banks Will Transform Their Lending Environments with Intelligent Collections Solutions That Will Help Recover More Nonperforming Loans Instead of Writing Them Off
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance

Advice for Technology Buyers

External Drivers: Detail

  • Accelerated Disruption - Crisis, Resilience, and Opportunity
    • Description
    • Context
  • The Next Normal - Resilient Business and Operating Models
    • Description
    • Context
  • Strategic Innovation - Shaping the Future Enterprise Today
    • Description
    • Context
  • Customer Engagement Redefined - Safe, Secure, and Sustainable Digital Experience
    • Description
    • Context
  • Intelligence Everywhere - Data Drives Action
    • Description
    • Context
  • Crisis of Trust - Meeting Rising Expectations
    • Description
    • Context
  • Digital Platform - Ecosystems at Scale
    • Description
    • Context

Learn More

  • Related Research