技术展望2025：金融服务

F i n a n c i a l S e r v i c e s 05Introduction Foreword04 06 Contents 06Overview ofTechnoVision 2025:Financial Services 08You Experience We Collaborate14 Thriving on Data20 26Processon the Fly 32ApplicationsUnleashed InvisibleInfostructure38 Balance byDesign44 Foreword Introduction We are pleased to present the 7th edition of TechnoVision:Financial Services. Building upon the broader CapgeminiGroup publication, this playbook specifically analyzes globaltechnology trends within the financial services context.Featuring 37 cutting-edge trends and over 70 industry-specificexamples across banking and insurance, it provides a practicalframework for guiding technology strategy in this dynamicenvironment. The financial services industry globally is transformingrapidly. Shifting customer needs, disruptive technologies,and the increasing democratization of finance are makingfinancial services institutions a ubiquitous part of thelives of people. Banks and insurers are investing heavily ininnovative technologies to boost efficiency and growth,making strong engineering capabilities a key differentiatorto thrive in a dynamic, yet optimistic market. Technological advancements are accelerating at anunprecedented pace, driving daily innovation. Rapid progressin both hardware and software has unlocked previouslyunimaginable possibilities. However, while innovation may beswift, its adoption requires careful consideration. Businessesmust strategically balance factors like AI autonomy andhuman oversight, innovation speed and security, personalizedexperiences and privacy, and technology consumption andsustainability. These competing priorities are equally critical,especially as AI expands into areas like agentic use cases,robotics, and supply chains, while simultaneously creating newcybersecurity threats and defenses. From the rise of autonomous finance through agentic AI to theurgent need for quantum-safe solutions, this playbook offersactionable insights into the convergence of technology andindustry dynamics, empowering stakeholders to drive business& technology transformation. We believeTechnoVision2025: Financial Serviceswill be an invaluable resourcefor organizations seeking to thrive in the evolving digitalecosystem. Banks and wealth managers must seize the opportunitiespresented by an evolving macroeconomic and regulatoryenvironment, as well as the steady growth of interest inalternative asset classes. This will necessitate designingnew products to attract and retain ultra-high-net worthclients. Insurers, meanwhile, must leverage advanced datacapabilities and climate-risk modelling to adapt to the newrisk landscape. Capgemini's TechnoVision framework helps business andtechnology leaders navigate this complex future and capitalizeon emerging opportunities. This year's theme, 'The PendulumSwing', emphasizes the importance of balance in theconstantly shifting business-technology landscape. The rapid advancements in AI, including generative andagentic technologies, present financial institutions with asignificant opportunity to reimage the future. AI Agentsin particular have the potential to revolutionize complexfinancial processes, making them more personalized,efficient, and autonomous. At the heart of financialservices is trust. To maintain this trust, we must develop AIresponsibly, navigating the complexities of security, ethics,regulation, and ensuring sustainable technology choices. Kartik Ramakrishnan CEO, Financial Services Memberof the Group Executive BoardCapgemini My conversations with clients and partners paint aclear picture: technology’s transformative powerhinges on responsible innovation. In today’s complexworld, collaboration plays a vital role in technologicaladvancements. The industry needs new playbooks to adaptand thrive in this new environment. In this context, Capgemini TechnoVision 2025: FinancialServices provides a valuable framework for businessesto navigate this evolving technological terrain. Thisexpert-curated handbook offers a comprehensive,industry-focused perspective on enterprise technology,empowering organizations to make informed decisions andsuccessfully transform their operations. Sudhir PaiCTIO, Financial ServicesCapgemini Pascal Brier Group Chief Innovation OfficerMember of the GroupExecutive CommitteeCapgemini We trust this year’s TechnoVision will be a valuableresource in your transformation journey. Overview ofTechnoVision 2025: Financial Services holistic view of the impact of technology on all aspectsof enterprise, TechnoVision is a time-tested frameworkwhich continues to be applied for shaping and validatingtechnology strategies, as well as for driving technologytransformation programs. Its comprehensivenessprovides C-suite executives a robust framework withwhich they can dig into the details as they strive toelevate their enterprise. TechnoVision categorizes technology trends intosix ‘containers’, providing individual snapshots ofinnovation from