市場調查報告書

企業銀行業務的全球市場預測(2021年):IDC未來景象

IDC FutureScape: Worldwide Corporate Banking 2021 Predictions

出版商 IDC 商品編碼 968041
出版日期 內容資訊 英文 19 Pages
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企業銀行業務的全球市場預測(2021年):IDC未來景象 IDC FutureScape: Worldwide Corporate Banking 2021 Predictions
出版日期: 2020年10月27日內容資訊: 英文 19 Pages
簡介

尚不清楚COVID-19的長期影響,但很明顯,有一些變化會加速現有趨勢。如果危機持續存在,經歷了多次波瀾和更多的封鎖,則預計企業銀行業將成為金融服務業中受災最嚴重的業務之一。

但這可以看作是行業的機會。有望掀起一股創新浪潮,嘗試新的商業模式,將公司銀行定位為可靠的顧問。人們對新產品和服務也抱有期望,這些新產品和服務將通過利用數據分析和新的金融生態系統使客戶獲得更好的業務成果。

本報告調查了全球公司銀行業務市場,並提供了有關10個主要預測,外部增長因素,建議等的信息。

IDC FutureScape的視圖

執行摘要

IDC未來景觀預測

  • 外部增長因素概述
  • 預測:對技術購買者的影響
    • 預測1:COVID-19迫使CFO專注於流動性。因此,到2024年,預計65%的公司銀行將投資於預測性流動性管理支持,而72%的公司將升級其數據和連接能力。
      • 相關成長因素
      • 對IT的影響
      • 對業務的影響
      • 指導
    • 預測2:到2023年,預計將有超過60%的全球銀行通過使公司貸款流程的製定和談判自動化來提高公司貸款的競爭敏捷性。
    • 預測3:到2022年,全球GDP的65%將實現數位化,在2020年至2023年間將帶動6.8萬億美元的IT支出。
    • 預測4:到2024年,預計90%的貿易融資和金融工作量將在軟件即服務或平台架構即服務中運行。
    • 預測5:到2025年,預計50%的B2B付款將由實時付款驅動並轉移到電子渠道。
    • 預測6:到2023年,將有60%的公司依靠數字B2B支付提供商來繞過銀行和傳統支付方案來優化速度,條款,融資並簡化跨境訪問。據預測。
    • 預測7:到2022年,四分之一的公司將每天發生付款欺詐行為,這有望推動公司集中和保護銀行通信。
    • 預測8:到2021年,預計50%的1級公司將利用實時支付構建覆蓋服務組合,提供諸如請求付款,有條件支付和託管服務等服務。
    • 預測9:為應對大流行的不確定性,預計70%的公司銀行將在2023年之前審查其信用評分模型,並優先考慮開放數據策略以改善其貸款組合的健康狀況。
    • 預測10:COVID-19將在短期內延遲基於DLT的貿易融資的轉型,但是到2025年,進入銀行的DLT平台將擁有20%至30%的客戶。

給技術購買者的建議

外部增長因素:詳細信息

  • 隨處可見的情報:利用數據促進行動
  • 戰略創新:塑造當今的未來公司
  • 信任危機:滿足日益增長的期望
  • 下一個標準:自適應業務和運營模型
  • 重新思考全球化:混亂挑戰彈性
  • 數位平台:大型生態系統
  • 重新定義客戶參與度:安全,可靠和可持續的數位體驗

參考

  • 相關研究
目錄
Product Code: US45823720

While the long-term impact of COVID-19 remains to be seen, some changes are obvious as they will merely accelerate existing trends. This means changes in distribution and servicing models, as physical high-touch relationships models will go digital. This exerts pressure on corporate banks to modernize their channel and connectivity capabilities and to change the way they drive sales. Digital capabilities in areas such as onboarding, Know Your Customer (KYC), and credit decisioning will have to be accelerated to match customer expectations. However, the elephant in the room is the economic impact of COVID-19, triggering a reduction in global trade, a shrinking of economies around the world, and a massive reshuffling of credit worthiness of corporate customers. Hard-hit industries (such as aviation, hospitality, transport, physical retail, and the SME sector) may see an upsurge in insolvencies resulting in growing loan defaults. Most industries - with very few exceptions such as ecommerce and streaming platforms - have gone into survival mode, focusing on protecting liquidity, maxing out credit lines, and slowing down cash flows. This will mean smaller and less frequent deals and transactions even for large customers, which will adjust funding needs to their revised business plans. This will become a challenge for some corporate banking divisions as management re-evaluates the profitability of various lines of business (LOBs) and shave cost or divest from their corporate banking business in response. Despite COVID-19, there are still positive developments for the corporate banking sector. Liquidity will be a priority for any customer in the nearby future. This means a growing demand for liquidity/cash management solutions and working capital management. It presents opportunities for banks to position new services such as predictive liquidity management or even treasury as a service. This may also positively affect supply chain finance solutions. However, it is important for banks to strike a careful balance and keep a close eye on their own liquidity positions. This IDC FutureScape presents the top 10 predictions for the corporate banking industry. "The corporate banking sector will be among the hardest-hit business lines in the financial services domain, particularly if the crisis drags out and we see multiple waves and more lockdowns. However, this can and should be seen as an opportunity for the industry to drive the digital transformation (DX) of their business forward and to position new products and services to help corporate customers navigate the challenging waters ahead," said Tom Zink, research director at IDC Financial Insights. "We expect a wave of innovation when it comes to experiments with new business models that position corporate banks as trusted advisors. We also expect to see new products and services that leverage data analytics and the emerging treasury ecosystem to help customers achieve better business outcomes."

IDC FutureScape Figure

Executive Summary

IDC FutureScape Predictions

  • Summary of External Drivers
  • Predictions: Impact on Technology Buyers
    • Prediction 1: COVID-19 forced CFO focus on liquidity. In response, 65% of corporate banks will invest in supporting predictive liquidity management and 72% will upgrade data and connectivity capabilities by 2024
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 2: By 2023, more than 60% of banks globally will gain competitive agility in corporate lending by automating origination and negotiation of the corporate lending process
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 3: The economy remains on its digital destiny with 65% of global GDP digitalized by 2022 and will drive over $6.8 trillion of IT spending from 2020 to 2023
      • Associated Drivers
      • IT Impact
      • Guidance
    • Prediction 4: 90% of trade finance and treasury workloads will run as software as a service or on platform-as-a-service architectures by 2024
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 5: By 2025, 50% of B2B payments will shift to electronic channels, driven by real-time payments
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 6: By 2023, 60% of businesses will rely on digital B2B payment providers to optimize for speed, reduced terms, and financing and to streamline cross-border access, bypassing banks and legacy payment schemes
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 7: By 2022, businesses will be driven to centralize and secure bank communications as a quarter of businesses begin to experience payment fraud attempts on a daily basis
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance
    • Prediction 8: 50% of tier 1 corporate banks will build an overlay services portfolio in 2021 leveraging real-time payments, led by request to pay, conditional payments, escrow services and reconciliation
      • 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: COVID-19 will delay DLT-based trade finance transformation in the short term, but in 2025, participating corporate banks will have onboarded 20% to 30% of their customers to DLT platforms
      • Associated Drivers
      • IT Impact
      • Business Impact
      • Guidance

Advice for Technology Buyers

External Drivers: Detail

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

Learn More

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