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凯捷(Capgemini):TechnoVision 2026:金融服务业科技愿景(中译版)(68页).pdf

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1、2 TechnoVision 2026|Financial Services3Financial institutions are being reshaped by forces that are broader,faster,and more interconnected than ever before.Innovation is no longer confined to digital channels or traditional IT systems its expanding across intelligent operations,distributed physical

2、environments,and biologically inspired models of resilience and decision making.Artificial Intelligence(AI)sits at the centre of this transformation.The progression from chatbots to fully autonomous AI agents is unlocking new possibilities across risk,investments,underwriting,fraud,compliance,and cu

3、stomer engagement.These capabilities promise highly personalized,efficient,and self-optimizing services.But with this opportunity comes a heightened responsibility:ensuring that AI is secure,ethical,transparent,and aligned to the trust that defines our industry.At the same time,firms are navigating

4、shifts in regulation and sovereignty,the emergence of real-time and embedded finance,the acceleration of sustainable value creation,and the growing need for systems engineered for resilience.Financial services(FS)organizations are orchestrating connected ecosystems of technology,data,and expertise.T

5、his is the backdrop against which TechnoVision 2026:Financial Services evolves.Reflecting the reality of a multi-domain future,this edition captures how the traditional lines between IT,operations,and product are dissolving as the digital and physical worlds converge.In such a dynamic environment,cl

6、arity becomes essential.Leaders need a coherent framework to distinguish enduring shifts from transient trends,to identify where innovation compounds across domains,and to prioritize the capabilities that will shape their institutions strategic trajectory.The TechnoVision 2026:Financial Services pla

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1. **金融业技术转型**:AI驱动从聊天机器人到自主智能体,应用于风险管理、投资、承保等领域,提升个性化服务,但需确保安全、透明和伦理。 2. **多领域创新融合**:数字与物理世界边界模糊,技术生态需协调IT、运营与产品,平衡AI自主性与人类判断、创新与安全等。 3. **关键趋势**: - **超个性化体验**:DBS虚拟助手处理12万次对话,客户满意度提升23%。 - **自主AI代理**:Groupe BPCE 75%顾问使用AI工具,年处理1200万呼叫中83%由AI完成。 - **数据主权**:BNP Paribas构建内部AI网格,整合多种模型;HSBC与Mistral AI合作开发隐私保护模型。 4. **可持续与协作**:AXA目标2050年净零排放,依赖数据驱动ESG管理;Euroclear通过区块链实现跨境实时结算。
**AI如何重塑金融?** **数据主权如何保障?** **未来银行体验如何?**
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