塑造MEA财富管理的主要趋势——2026年

Foreword Wealth management across the Middle East and Africa (MEA) is entering a more complexand less predictable phase. The forces shaping the industry are no longer isolated orgradual in nature. They are converging and accelerating. Client mobility is reshaping where wealth is held and managed. Technology is changing howadvice is delivered and consumed. Regulatory expectations continue to evolve, while costpressures and competition are redefining what constitutes value. At the same time, newasset classes, shifting client demographics, and rising expectations around transparencyand service are challenging many of the traditional assumptions that have underpinnedwealth management for decades. Individually, none of these trends is new. Taken together, they point to a more fundamentalshift. Wealth management is becoming more global, digital, and operationally complex. Theability to serve clients across geographies, generations, and asset classes is no longer adifferentiator but a baseline expectation. From our work with wealth managers across MEA, we see these pressures playing out indifferent ways across markets, but with a common theme. Firms are being asked to domore. To support more diverse client needs, to operate across more jurisdictions, and todeliver a higher standard of service, often at a lower cost. The following trends reflect key areas where this shift is most visible today. They are notexhaustive, but they do highlight the structural changes that are shaping how wealthmanagement businesses will need to evolve in the years ahead. Millionaire Migration relocate – enticed by the promise of personal safety,lifestyle factors and of course, both personal andcorporate taxation advantages. Global migration, particularlyamongst the wealthiestindividuals, has been aconsistent trend for a numberof years, driven by multiplefactors, both economic andgeopolitical. There are of course many other factors driving thismigration, particularly to regions such as Singapore,Hong Kong and the UAE. A solid, yet flexible legalframework and progressive financial regulation appealto many business owners. Singapore remains a keygateway to markets in South East Asia, attractivedue to the large population sizes of Indonesia andthe emerging middle-class growth in Malaysia, thePhilippines, Thailand and Vietnam. Hong Kong remains a relatively stable base in whichto access North Asia and mainland China, and despiteongoing regional conflicts, the UAE remains wellpositioned to serve as a gateway for key markets inthe Middle East such as Saudi Arabia and the widercontinental Africa. Covid imposed restrictions followed by moreaccommodating remote working arrangementshave seen migration spikes in some regions, butmore recently, taxation changes, particularlythose specifically targeting the wealthiest, risingcrime rates, ongoing conflicts and more stringentimmigration policies have seen many families andindividuals seek to establish a new base for theirfuture wealth planning. 3Migration, particularly amongst the wealthiestfamilies and individuals. is rapidly changing thewealth management landscape across many regions.The Dubai International Financial Center (DIFC)reported an 81% increase in the number of Single-Family Office in 2023 and as of 2024, was hostingover 120 families and 800 family related structuresmanaging over $1.2 Trillion USD in assets – a numberthat continues to grow. As the generational wealth transfer continues, manypatriarchs, owners of SMEs, who may have previouslyfaced operational ties to a physical location may nolonger face such constraints. Their heirs may also befree of such restrictions, and many are electing to Millionaire Migration Wealth service providers are scrambling to enhancetheir services offerings in many regions, to obtainlicenses and open new booking centers in regionswhere they do not currently maintain a physicalpresence. This in turn is fueling demand for ‘wealthadjacent’ professional services and technologycompanies – itself fueling yet more migration. Not surprisingly, technology has a key role to play insupporting banks and wealth managers, both to retainexisting and attract new customers. Serving multiple generations across multiplegeographies demands a scalable technologyarchitecture that can enable seamless servicedelivery and regulatory agility. The UAE, USA, Saud Arabia, Italy and Switzerlandremain the net beneficiaries whilst the UK, Chinaand India are currently seeing the greatest capitaloutflows. It is likely that this trend will continue forthe foreseeable future and both global and regionalwealth managers will need to be able to adapt to andcompete within this changing geographical landscape. Cloud-based booking centers, secure digitalonboarding and KYC and AI-Driven personalization areall areas in which we expect to see investment to helpto meet the new demands associated with this shift. 2 Automation and AI Much has already been written about the significan