波士顿：为了抓住 7 万亿美元的机遇，银行需要更大胆的策略来服务客户和社会(英文 38页)

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内容

01 执行摘要

03 为了满足当今的期望，银行需要一个大胆的议程

• 银行现在有机会之窗

• 游戏规则将继续变化

• 银行陷入收入压力和不可扩展的成本结构之间

• IT 遗留问题限制了大胆现代化的空间

• 宏观趋势和气候转型将增加对银行的需求

• 开放银行业务会加大大型科技公司进军银行业的力度吗？

• 非银行机构正威胁要取代银行作为主要商业信贷提供者的地位

11 七项战略要务可以释放 7 万亿美元的价值

• 通过全面的数字产品捍卫主要银行关系

• 强化作为客户财务状况值得信赖的托管人的角色

• 将风险、合规性和社会责任转化为竞争优势

• 大胆应对气候转型挑战

• 通过合作伙伴关系捕捉网络效应并扩大规模

• 引导嵌入式金融和嵌入式商务的战略选择

• 保持对银行业高利润领域的控制

19 监管机构应与银行合作

• 需要新的监管方法和能力

• 确保整个堆栈的公平竞争环境

• 直接和间接促进整合

• 刺激数字公共基础设施和行业公用事业

• 提高数字资产监管的清晰度

• 监管机构是否应该加强银行在财务咨询方面的作用？

22  银行通过彻底的重新设计可以将生产率提升 40%

• 对业务组合选择采取果断行动

• 优化资产负债表以实现价值，并在存款方面表现出色

• 提高运营杠杆和卓越交付

• 成为一家科技产品公司，而不仅仅是一家科技公司

• 加强数据基础

• 加强合作伙伴关系

  关于作者

■ Contents

01  Executive Summary

03  To Meet Today’s Expectations, Banks Need a Bold Agenda

• Banks Now Have a Window of Opportunity

• The Rules of the Game Will Continue to Change

• Banks Are Stuck Between Income Pressures and Nonscalable Cost Structures

• IT Legacies Constrain the Headroom for Bold Modernization

• Macro Trends and the Climate Transition Will Increase Demands on Banks

• Will Open Banking Intensify the Push of Big Tech Companies into Banking?

• Nonbanks Are Threatening to Unseat Banks as the Primary Commercial Credit Providers

11  Seven Strategic Imperatives Can  Unlock $7 Trillion in Value

• Defend Primary Banking Relationships with a Holistic, Digital Offering

• Reinforce the Role as Trusted Custodian of Customers’ Financial Well-Being

• Turn Risk and Compliance and Social Responsibility into a Competitive Advantage

• Boldly Embrace the Climate Transition Challenge

• Capture Network Effects and Increase Scale Through Partnerships

• Navigate Strategic Choices in Embedded Finance and Embedded Commerce

• Retain a Hold on Highly Profitable Areas of the Banking Stack

19  Regulators Should Collaborate with Banks

• New Regulatory Approaches and Capabilities Are Needed

• Ensure a Level Playing Field Across the Entire Stack

• Foster Consolidation, Directly and Indirectly

• Stimulate Digital Public Infrastructure and Industry Utilities

• Sharpen Regulatory Clarity on Digital Assets

• Should Regulators Reinforce Banks’ Role in Financial Advisory?

22  Banks Can Make Productivity Leaps of 40% with a Radical Redesign

• Take Decisive Action on Business Portfolio Choices

• Optimize the Balance Sheet for Value, and Excel in Deposits

• Raise Operating Leverage and Delivery Excellence

• Become a Tech Product Company, Not Just a Tech Company

• Strengthen the Foundations of Data

• Build New Muscle in Partnerships

 About the Authors