埃森哲：2019年银行技术展望报告(30页).pdf

1、THE DAWN OF BANKING IN THE POST- DIGITAL ERA Accenture Banking Technology Vision 2019 2BANKING TECHNOLOGY VISION 2019 BANKING IN THE POST-DIGITAL ERA FIVE TECHNOLOGY TRENDS USHERING BANKS, ONCE AGAIN, INTO A NEW WORLD Good technology disappears. Without us being aware, it can create scaffolding that

2、 both supports us in making better decisions and protects us (from ourselves and external threats). Although we dont have self-driving cars yet, we do have adaptive cruise control, blind spot monitors, voice-controlled entertainment systems, lane departure sensors and heads-up displays that make dri

3、ving easier and safer than ever before. In the same way that good automotive technology improves the driving experience without intruding, banking innovation is becoming increasingly invisible. Mobile and online banking have become the dominant ways of interacting with banks in markets such as South

4、east Asia, where traditional branch- based banking never had a chance to really take hold. Consider that 74 percent of Thailands internet users access banking services over mobile devices, versus a global rate of just 41 percent.1 We can, therefore, begin to make the argument that, despite all the t

5、alk of digital transformation, bankinglike the rest of the worldis entering a post-digital age where the priorities of the last few years are fast becoming the table stakes of the future. 3BANKING TECHNOLOGY VISION 2019 BANKING IN THE POST-DIGITAL ERA FAST, AND GETTING FASTER Of the 784 bank busines

6、s and IT executives from nearly 30 countries polled in our global Technology Vision 2019 survey, 96 percent said that new technologies have accelerated their pace of innovation over the past three years (Figure 1). Somewhat surprisingly, this is higher than other disrupted industries such as travel