Endava：2024年欧洲和北美零售银行业现状与未来发展报告（英文版）（27页）.pdf

1、2024 Retail Banking ReportThe current and future state of banking across Europe and North AmericaSponsored by:Table ofcontentsIntroductionExecutive summaryData summaryCurrent state of retail banking Strategy FI sentiments Technology Core banking systems:cloud vs.on-premises Strategy for core moderni

2、sation Benefits to cloud banking core Barriers to implementing a cloud-based coreFuture state of retail banking Strategic initiatives Investment priorities The role of data in retail Strategic prioritiesConclusionAbout BackbaseMeet the expertsHow we can help 1 1 2 3 4 4 8 8 10 12 1314 15 16 18 20222

3、32425 12024 Retail Banking Report /IntroductionBetween the pandemic of 2020 and the economic conditions of 2023,one thing has become clear in the world of financial services:Banks must have a flexible technical infrastructure that allows them to quickly pivot and adjust to the demands of the market.

4、In this report,Endava uncovers banks strategies to meet customer demand now and in the future and dives into their plans to address the numerous external factors that affect the industry.Executive summaryEndava kicked off this study to build a landscape of what retail banking looks like in 2024 and

5、gain insights into what the industrys future could entail.There are five areas of focus that have emerged:Customer-centric banking:When looking at the top priorities,initiatives and investments for FIs,many aim to improve the customer experience.Eighty-five per cent of respondent organisations see i

6、mproving the digital customer experience as paramount,and a similar number rank retaining existing customers as a top priority.Modernisation of banking:Most FIs are still running on mainframe monolithic platforms,but many are rushing to change this due to a combination of fintech pressure and changi