2025年全球金融服务业财富管理趋势报告

January 2025 The Capgemini FS Top Trends 2025 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) Wealth Management Top Trends 2025–Priority Matrix Capgemini’sPriorityMatrixoutlinesourassessmentoftheimpactof2025trendsonoperatingenvironmentsfacing: ▪Adoption priority:The criticality of a 2025 trend to value creation because of its sector importance.▪Business impact:Each trend’seffect on 2025 sector business as it relates to customer experience (CX), operationalexcellence, regulatory compliance, or profitability.Circumstances will vary for each firm depending on businesspriorities, geographic location, and other factors. For more information, contact us atwealth@capgemini.com. ▪Softening inflation and high interest rates,coupled with stagflation trends▪Geopolitical instability▪Dynamic regulatory activity Trend 1Seamless digital experience Customer FirstWealth firms power up digital platforms to consolidate services, create seamless CX Background ▪Digital transformationis now essential to meet investor expectations, butsiloed systems prevent wealthfirms from creating a unified, customer-centric platform.▪Capgemini’sWorld Wealth Report 2024foundthatone-third ofhigh-net-worth individuals (HNWIs)aredissatisfied with their primary wealth firm’s digital services.1▪According to a J.D. Power survey, 86% ofUS investors with advisorslogged into their firm's site in the pastyear, and 60% used the mobile app.Advisors who engage clients with digital tools drive highersatisfaction and referrals, while those who do not generate half as many referrals.2 Impact ▪Enhancing offerings from digital platforms, such as a wider selection ofcurated portfolio options, allowclients toalign investmentsmore closely with theirrisk preferences. Digital platforms also empoweradvisorstoguide client decisions effectivelyand speed up interactions.▪Integrating services like market insights, personalized alerts for new launches, and an aggregatedportfolio view, all accessible on digital platforms, enhancevisibilityandconveniencefor clients, resulting inhigher overall satisfaction.▪Faster and seamless interactions andinnovative portfolio building optionshelp wealth firmsretain clientsand increase wallet share, driving growth and profitability. Trend 1Seamless digital experience Wealth firms power up digital platforms to consolidate services, create seamless CX Customer First Bank of America Bank of America revamped its mobileapp in March 2024 to merge fiveseparate applications into oneunifiedplatform for 57 million clients. Theupdate offers a comprehensivefinancial view thatintegrates banking,investing, and retirement services.1 UBS After deploying its “MyWay”portfolio management platform inseveral countries, UBS made itavailable to Credit Suisse clientsinSwitzerland in July 2024, with plans forinternational expansion. The platformletsinvestors set goals and manageportfolios with expert help, usingover 80 building blocks.2 Trend 2Hyper-personalized advisory Customer FirstArtificial intelligence can enable made-to-order investment advice strategies Background ▪WealthTech platformsmake personalized services more accessible and affordable and now investors wantmore personalization.▪OurWorld Wealth Report 2024revealed that+64% of HNWIs are concerned by the lack of personalizedadvice tailored to their financial situation. Artificial intelligence(AI) offers solutions andwealthmanagement executives rank intelligent insights for portfolio optimization as the second-mostsignificant impact of AI, after manual process automation.1▪Citigroup predicts that AI may potentially addUSD 170 billion to the banking industry by 2028.2 Impact ▪AI cancreate personalized messages, offers, and experiencesthat resonate with eachclient–encouraging engagement.▪AI cantailor product recommendationsto individual preferences to spark engagement andboost client loyalty.▪AI canhelp optimize tax planning strategiesandoffer ways to amplify returns, improving clients’ overallfinancial well-being. Trend 2Hyper-personalized advisory Customer FirstArtificial intelligence can enable made-to-order investment advice strategies J.P. Morgan Chase J.P. Morgan launched “QuestIndexGPT”,a set of stock indicesusing OpenAI’s GPT-4 togeneratekeywords for thematic indices. Thetoolimproves index constructionaccuracy and efficiency. Availablesince May 2024 on Bloombergand Vida platforms, the index hasgarnered positive feedback frominstitutional clients.1 Openbank(Grupo Santander) In February 2024, Spanish GrupoSantander’s digital OpenbankintroducedAI-powered analyticalmodels for price predictionof over1,000 sharesin Europe and theUnited States. The AI models helpclients make more data-driveninvestment decisions.2 Trend 3Bridging generation gaps With younger entrepreneurs on the rise, wealth firms shape advice to resonate with HNWIs of all ages Customer Fir