Capgemini-TechnoVision 2025：金融服务（英）

Financial Services3ContentsForeword04Thriving on Data20Invisible Infostructure38Balance by Design4406Overview of TechnoVision 2025: Financial Services05Introduction26Process on the Fly08You ExperienceWe Collaborate1432Applications UnleashedThrivingon DataApplicationsUnleashedProcess on the FlyInvisibleInfostructureYouExperienceBalance by DesignWe CollaborateBalance by DesignBalance by DesignBalance by Design0608203226144438TechnoVision 2025 | Financial Services32Sudhir Pai CTIO, Financial Services CapgeminiPascal Brier Group Chief Innovation Officer Member of the Group Executive Committee CapgeminiForewordIntroductionThe financial services industry globally is transforming rapidly. Shifting customer needs, disruptive technologies, and the increasing democratization of finance are making financial services institutions a ubiquitous part of the lives of people. Banks and insurers are investing heavily in innovative technologies to boost efficiency and growth, making strong engineering capabilities a key differentiator to thrive in a dynamic, yet optimistic market. Banks and wealth managers must seize the opportunities presented by an evolving macroeconomic and regulatory environment, as well as the steady growth of interest in alternative asset classes. This will necessitate designing new products to attract and retain ultra-high-net worth clients. Insurers, meanwhile, must leverage advanced data capabilities and climate-risk modelling to adapt to the new risk landscape. The rapid advancements in AI, including generative and agentic technologies, present financial institutions with a significant opportunity to reimage the future. AI Agents in particular have the potential to revolutionize complex financial processes, making them more personalized, efficient, and autonomous. At the heart of financial services is trust. To maintain this trust, we must develop AI responsibly, navigating the complexities of security, ethics, regulation, and ensuring sustainable technology choices.My conversations with clients and partners paint a clear picture: technology’s transformative power hinges on responsible innovation. In today’s complex world, collaboration plays a vital role in technological advancements. The industry needs new playbooks to adapt and thrive in this new environment.In this context, Capgemini TechnoVision 2025: Financial Services provides a valuable framework for businesses to navigate this evolving technological terrain. This expert-curated handbook offers a comprehensive, industry-focused perspective on enterprise technology, empowering organizations to make informed decisions and successfully transform their operations. We trust this year’s TechnoVision will be a valuable resource in your transformation journey.Technological advancements are accelerating at an unprecedented pace, driving daily innovation. Rapid progress in both hardware and software has unlocked previously unimaginable possibilities. However, while innovation may be swift,