凯捷金融服务2025年趋势-资本市场（英）

January 2025 Capgemini Financial Services Top Trends span three broad themes The Capgemini FS Top Trends in the Banking sector by sub-domain (1/2) The Capgemini FS Top Trends in the Banking sector by sub-domain (2/2) Capital Markets Top Trends 2025 – Priority Matrix Capgemini’sPriority Matrixoutlines our assessment of the impact of 2025 trends on operating environments facing: Softening inflation and high interest rates,coupled with stagflation trendsGeopolitical instabilityDynamic regulatory activity Trend 1Perpetual KYC revolution Customer FirstOrganizations are digitizing and automating KYC processes to reduce the cost of complianceand enhance customer experience Background Perpetual Know Your Customer (pKYC) stems from traditional KYC but evolves withmodern technologytoprovide a more dynamic and efficient approach tomanaging client profilesandmitigating risks.1The trend of pKYC is gaining momentum astechnology advancements in AIanddata analyticsnow allow forreal-time, continuouscustomer monitoringandaccurate escalations.By 2025, most large financial institutions will use some form of pKYC tostreamline client onboardingandcompliance, reducing delays caused by traditional periodic KYC checks while meeting regulators' push forongoing risk management. Impact Digital onboarding and pKYC minimize the time and effort clients spend on compliance procedures, leading toa morestreamlinedanduser-friendly experience.By digitizing and automating KYC processes, banks can significantlyreduce onboarding times, improvingfirst impressions and customer satisfaction.The use of generative AI for pKYC allows forreal-time monitoringandproactive risk assessment, ensuringthat any potential risks are identified and managed promptly, providing peace of mind to clients. Trend 1Perpetual KYC revolution Customer FirstOrganizations are digitizing and automating KYC processes to reduce the cost of complianceand enhance customer experience JPMorgan Chase & Co. JPMorgan Chase hasenhanced itsKYC operations through AIdeployment.The bank processed155,000 KYC files in 2022 with3,000 employees. By 2025, they aim toprocess 230,000 files with 20% fewerstaff,boosting productivity tobetween 80% to 90%.1 UBS Swiss banking giant UBS has partneredwith Latvian ID verification firm Regulaas it looksto streamline customeronboarding.The enrolment process isnow fully automated.2 Trend 2Accelerating sustainable lending Banks are augmenting to accelerate green lending and leverage sustainable finance as a growth engine Customer First Background Agap exists in the current global level of clean energy technology investment: an average ofUSD 4.8 trillion per annum in energy transition investment from 2024 to 2030 would be required to align withnet zero goals in 2030.1Spending in energy transition investment will need to grow more than 170% to get on track for net zero goals.175% of financial institutions have committed to a40% increase in sustainable finance products and servicesinvestment; the global green bond market reached USD 1 trillion in 2023.2 Impact Firms should prepare as companies and governments plan toinvest more into energy transition over thenext few yearsas they work towards net zero 2030 goals.With a compound annual growth rate (CAGR) of over 22% in the next 10 years, banks that leverage theUSD 25 trillion+ opportunitycan profit from improvedintermediation spreadsandbetterrisk-adjusted returns.3Unlock a new customer segment of environmentally conscious consumers:70%of global consumers arewilling to switchto banks that put purpose over profit, and58% agree to pay morefor sustainable financeproducts and services.4 Trend 2Accelerating sustainable lending Banks are augmenting to accelerate green lending and leverage sustainable finance as a growth engine Customer First Figure 2: A strategy for green lending Barclays Augment the workforce Barclays set a goal offinancingUSD 1 trillionof sustainable financingby 2030. The bank has launched asustainable finance framework,established a climate changeadvisory group and developed a greenbond platform.1 Build an environmental, social, andgovernance (ESG) data foundation Use the power ofmoderntechnologies like Gen AIto simplifyincentives, taxes, and grants forgreen lending to enhance employeeefficiency and understanding. Create a central,scalable ESGdata platformto enhance sustainablelending risk models, address current ESGdata complexities, and future demands. BNP Paribas Revamp the lending model Innovating products and services Implementupdated credit processesto include trade-offs betweentraditional and low-carbon alternatives,ESG credit policies, ESG portfolio stresstesting, energy efficient lendingoperations, etc. BNP Paribas aims to allocateEUR 1 trillion for low-carbon transition.They have developed a green bondframework and announced anewgreen mortgage solution –“Mutuo Green” –dedicated to thepurchase of property with A and Benergy ratings in 2