2021年全球数字零售银行报告（文档）.docx

2021年全球数字零售银行报告（精选文档）下面是小编为大家整理的2021年全球数字零售银行报告（精选文档）,供大家参考c ont ents05|thec halleng e st artsnow07|r ev enuesar e u nderpressur e11|mor ec ust omers ar ebec oming mor edigit al— mor equickly15|anewp ar adigm f orc osts17|fr ont-t o -back digit alv alue str eams22|astack edop er atingmo del29|theneedt o a ctnow3thefr ont - t o - b a ckdigit alre t ailb ankthr eec halleng esdefinethefutur ef orr et ailbankstheamount oftimeitwillt ak e f orglobalr et ail-banking r ev enuest or eturn t o2019lev elstheincr easeinthe useofmobile bankingworldwideduringthe c o vid -19 crisis—andfurtherincr easeswillf ollowtheefficiencyofleadingr et ail banks,c ompar edwiththatofthe typic al r et ailbank3y ears30%2xs our c e:bc ganaly sis.ch a p t ero rs e c tio ns t a r tp a g ew i thau th o rb ioa n do n eco l umnrthec halleng e st artsnowet ailbanksaroundthe worldr eact edt othe c o vid -19crisiswithspeed,dext erity ,andpurp ose, whiler emainingtrue t otheirenvir onment al,so cial,andc orpor at eg o v ernanc eg oals.whencustomersst a y ed home,banksclosedorc onv ert edbr anches,r edir ecting theirr esour c esandcustomerst or emot eanddigital chan - nels.asitb ec ameclearthatanec onomiccrisislo omedas well,bankspromptly t o okst epst oimpr o v etheirfinancial p osition.tohelpfinanciallystr essedcustomersweather the crisis,banksoff er edthemloandef err alsormoratori - ums.andtheydiditallinthe spanofaf ewweeks.thatw asthen.now ,asthe newr ealitystartst ot ak eshap e , banksf ac efurtherchalleng es.thepandemicsho ckhas ac c eler at edchang esalr eadyunderw a yandspark ednew ones.institutions’r ev enuesar eunderpr essur e,andglobal bankingr ev enuep o olsha v ealr eadyt ak enasignific ant beating.u nderthe mostoptimistic sc enario,thosep o ols ar enotexp ect edt or eturn t opr ecrisislev elsuntil2022.c ust omersar emo vingt odigital channelsf asterthan they ha v einthe past .onlinebankingusehasrisenb y23%,and mobile bankinguseisupb y30%.thesechang esar elik ely t ob ep ermanent ,ac c eler atingthe migration t odigital channelsb ythr eet of oury earso v erpr ecrisistr ends.ascustomersmo v eonline,banks’p ositionat the int ersec - tionofthe cust omerandfinancialser vic esisc omingunder att ack.ast ack edindustr ylandsc ap e,withdiff er ent typ esofpla y ersc omp etingat eachlev el,ist akingshap e.non - bankinsurgentsar emakingstr onginr oadsindistribution, thr eateningt oc ommoditize manybankingpr o ducts.p erhapsab o v eall, r et ailbanksneedt or ethink andr e- alignc osts—st arting now .c urr ent c oststructur esar enot sust ainable.r et ailbanksmust b ec omedigit al—fr om fr ontt oback — andtheymust org anizearoundv aluestr eams,aseriesof v alue-addingactivitiesthatleadt othe o v er allr esultthat customersneed.whilemostbanksha v eprioritized select digitization measur es( oft enf o cusingonfr ont-endfunc - tionsthatwillha v ethe mostcust omerimpact),theyha v e notputaneq uiv alent eff ortint oc ostandriskc ontr ol (the back - endorint ernalpr o c esses).asar esult ,cust omers’ digital exp erienc ehasimpr o v ed,andtheyar eenjo yingnew optionsandf eatur es,butbanks’fix edc osts,whichar e larg elytied t ot errestrialassets,r emaininplac e.without addr essingc osts,bankswillstrugglet omonetizetheir curr ent inv estments.thisr ep ortexamineswhatr et ailbanksneedt odo.r ev enuesar e underpr essur ehenewr ealitygr eetsbankswithtr oubleat the t op line. w eplott edthr eer ev enuesc enariosf orr et ail banksusingdiff er ent globalgdpf or ec asts.aquickr eb ound.u nderthis sc enario,gdpr ev erts q uicklyinav -shapedr ec o v er y ,r eturning t o2019lev elsin 2021.emplo yment r ec o v erst opr e- c o vid -19lev els.global tr adepicksupando v er c omp ensat esf orshort-t erm output losses,whilec onsumerc onfidenc er eturnst opr ecrisis lev els.l arg e-sc aleloanlossesdon ’tmat erialize,thankst o g o v ernment supp ortandthe r ec o v eringmacr o ec onomic envir onment .banksc anmak euptheirr ev enuelossesb y 2022.tsub duedr ev enuegr owthi。