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1、2018 Banking Outlook Accelerating the transformationBrochure / report title goes here | Section title goes here 1 Contents Playing the long game 1 Customer centricity 3 Regulatory recalibration 4 Technology management 5 Mitigating cyber risk 6 Fintechs and big techs 6 Reimagining the workforce 7 Pla
2、ying short to aim long 9 Retail banking: Transitioning to a mobile-centric 9 and digitally anchored institution Corporate banking: Prioritizing customer 13 experience, technology, and targeting markets Capital markets: Leading technology adoption 15 for competitive differentiation Payments: Making t
3、he right strategic choices 17 Wealth management: Robo platforms 18 expanding beyond investment advice Endnotes 20 Contacts 222018 Banking Outlook: Accelerating the transformation 1 For banks globally, 2018 could be a pivotal year in accelerating the transformation into more strategically focused, te
4、chnologically modern, and operationally agile institutions, so that they may remain dominant in a rapidly evolving ecosystem. This metamorphosis is far from easy as most banks grapple with multiple challenges: complex and diverging regulations, legacy systems, disruptive models and technologies, new
5、 competitors, and, last but not least, an often restive customer base with ever- higher expectations. In this outlook we explore the challenges most banks face in balancing the need to restructure their foundations for the long-term with finding near-term growth. We do so by identifying six macro th
6、emes that should be critical for long-term growth: 1) Customer centricity, 2) Regulatory recalibration, 3) Technology management, 4) Mitigating cyber risk, 5) Fintechs and big techs, and 6) Reimagining the workforce. Then we drill down into five business segments to address how these long game theme
7、s may begin to play out in the next 12 to 18 months (see figure 1). Playing the long game Figure 1: Six macro themes and five banking businesses Source: Deloitte Center for Financial Services Customer centricity Capital markets Wealth management Retail banking Corporate banking Payments Regulatory recalibration Technology management Fintechs and big techs Reimagining the workforce Mitigating cyber risk
