Page 4 - TOP TRENDS IN BANKING 2021

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Top Trends in Banking 2021 eBook

Top Trends in Retail Banking 2021 Top Trends

COVID-19 has accelerated the need to innovate, optimize and transform for retail banks
globally.

The pandemic pushed the need for integrated risk management techniques that equally
consider financial and operation risks, and for cost transformation through leaner physical
models and emerging technologies. On another front, front-, middle- and back-office
digitization is a must to reduce the rising banking fraud.

Cloud as a business driver has gained in importance as on-premise infrastructures are giving
way to a virtual platform that is easier to manage, innovate and scale. This has led to a
heightened focus on offerings like banking-as-a-service as a viable delivery for consumers.
Add to this an increased awareness on ESG (Environment, Social and Corporate Governance)
as a growing imperative, and the landscape is literally changing under the feet of the retail
banking industry.

In such an environment, the focus is squarely on the customers and their experience. Such
initiatives as a segment-of-one – where customized offers are pushed – and creating one-
stop-shop sales and service opportunities create a truly customer-centric model, and
humanize digital experience to foster more authentic, real-time connections.

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TOP RETAIL BANKING TRENDS 2021

Unforeseen circumstances demand business resilience

For more information or a private presentation on Top Trends in Retail
Banking 2021, contact us at financialservices@capgemini.com
INTEGRATED RISK COST SUSTAINABLE
MANAGEMENT OPTIMIZATION BANKING
Non-financial risks COVID-19 pushes ESG boosts
accelerated by the cost transformation responsible banking
pandemic require robust into overdrive and resiliency
strategy, oversight
Leverage intelligent processes and open ecosystem for go-to-market agility
4 5
Cloud’s silver lining -
CLOUD MIGRATION business agility
Banking-as-a-Service
exemplifies
BANKING-AS-A-SERVICE Open X potential
Banks tap low-interest,
no-friction, value-based
ALTERNATE SOURCES offerings to energize
OF VALUE CREATION customer acquisition
Banks can reduce fraud
BANKING FRAUD with end-to-end value
ACROSS VALUE CHAIN chain optimization
Adapt to deliver superior customer experience

DIGITAL ERA WITH A HUMAN TOUCH
Humanizing digital experiences will
foster more authentic customer connections
SEGMENT-OF-ONE
Banks leverage segment-of-one marketing
to hyper-personalize offerings
ONE-STOP SHOP
Tomorrow’s frontrunners will offer
consumers convenient one-stop shops
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