世界经济论坛：2020年金融服务展望报告：开拓新途径金融服务创新的下一步发展 （英文版）（207页）.pdf

1、1 Context and approach Executive summary 1 2 3 4 01020304 Key findings global-orgs-see-a-148-spike-in-ransomware-attacks-finance-industry-heavily-targeted/ Innovation pathways in financial services Innovation pathway A: Establishing ecosystems beyond finance 5G TSH Innovation pathway B: Integrating

2、physical and digital processes IoT 5G AI AI AR/VR IoT TSH AI AI IoT 5G TSH AI IoT Innovation pathway C: Reorienting transaction flows DLT Cloud AI DLT Cloud Cloud PET DLT DLT Cloud AI Innovation pathway D: Reimagining core functions Quantum Cloud Quantum Cloud Quantum AI Cloud AI Quantum Cloud AI Qu

3、antum Critical uncertainties and enabling conditions Innovation pathways | Critical uncertainties Innovation pathways | Critical uncertainties Sector use cases Lending and deposits Just-in-time lending Trusted data steward 73 74 Investment management Outcomes-based investment products Verifiable imp

4、act investing 87 88 Payments Machine-to-machine (M2M) payment protocol Augmented purchases Insurance Dynamic life + health insurance Connected post-claims experience https:/www.fadata.eu/blog/why-modern-consumer-behaviour-is-forcing-the-insurance- industry-to-change Capital markets Cross-bank collat

5、eral optimization Quantum portfolio optimization Data-linked green bonds Market infrastructure Global fund transfer network Global corporate actions ledger Distributed KYC/AML utility Exploration of emerging technologies Artificial intelligence (AI) Cloud computing Task-specific hardware Quantum computing Internet of things (IoT) 5G networking Unnamed Large Financial Institution Augmented/virtual reality (AR/VR) Distributed ledger technology (DLT) Concluding remarks Acknowledgments