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埃森哲:2026年银行业趋势报告:无界银行:迈向无限可能新时代(中译版)(85页).pdf

上传人: 1****1 编号:1036431 2026-01-13 85页 3.54MB

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1、Accenture TrendsBanking 2026Unconstrained Banking A new age of possibilityTrend 1 The future of moneyTrend 2 The future of experienceTrend 3 The future of work and talentTrend 4 The future of technologyTrend 5 The future of risk and regulationTrend 6 The future of competitionTop Banking Trends 20262

2、Research snapshotThis year,the Top Banking Trends team began by defining the core themes shaping the industry.Candidate trends were developed through internal crowdsourcing,drawing on insights from senior leaders across key domains.Shortlisted ideas were validated using a rigorous,mixed-methods appr

3、oach:four surveys with banking executives,commercial banking clients and retail banking customers,supported by economic modeling and complementary research techniques.This process ensures every trend is both evidence-based and highly relevant to the industry.About the reportAccentures top banking tr

4、ends 2026 is more than a forecast;its a guide to a future where the limits that once defined banking are disappearing.For generations,technology,structure and risk appetite constrained what banks could achieve.Today,those boundaries are dissolving.Generative AI(gen AI),digital assets and the potenti

5、al for new business models are rewriting the rules,creating possibilities that were unimaginable just a few years ago.The future of banking is being written now.This report distills insights from our global client work,boardroom conversations and research,offering a clear look at whats happening and

6、 why.It also offers actions banks can take to unlock capacity,accelerate innovation and redefine whats possible.Our mission is to equip banking leaders not just to adapt,but to leadtransforming constraint into opportunity and shaping the next era of banking.Top Banking Trends 20263Banking is enterin

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1. **银行业进入“无约束时代”**:技术、组织结构、风险偏好等传统限制正在瓦解,生成式AI、数字资产和新商业模式重塑行业。 2. **六大核心趋势**: - **货币未来**:稳定币、CBDCs、代币化存款将推动$13万亿交易价值转移(2030年),$130亿支付手续费面临风险。 - **体验未来**:86%消费者信任银行AI助手,但82%要求人工审批;63%客户倾向物理银行处理复杂需求。 - **工作与人才**:代理AI将催生“10倍银行”,一人管理AI团队提升效率。 - **技术**:需升级核心系统以支持智能货币(76%金融机构仍在改造遗留系统)。 - **风险与监管**:78%机构预期数字货币欺诈激增,60%缺乏应对方案。 - **竞争**:非传统支付(如PayPal、Wise)正蚕食银行跨境收入。 3. **行动建议**:制定数字货币战略、升级核心系统、聚焦客户意图、拥抱代理支付。
银行未来如何? 数字货币趋势? AI如何重塑银行?
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