下面是小编为大家整理的2021年全球数字零售银行报告（精选文档）,供大家参考。
C ont ents
05
|
The
C halleng e St arts
Now
07
|
R ev enues
Ar e U nder
Pressur e
11
|
Mor e
C ust omers Ar e
Bec oming Mor e
Digit al— Mor e
Quickly
15
|
A
New
P ar adigm f or
C osts
17
|
Fr ont-t o -Back Digit al
V alue Str eams
22
|
A
Stack ed
Op er ating
Mo del
29
|
The
Need
t o A ct
Now
3
THE
FR ONT - T O - B A CK
DIGIT AL
RE T AIL
B ANK
Thr ee
C halleng es
Define
the
Futur e
f or
R et ail
Banks
The
amount of
time
it
will
t ak e f or
global
r et ail-banking r ev enues
t o
r eturn t o
2019
lev els
The
incr ease
in
the use
of
mobile banking
worldwide
during
the C O VID -19 crisis—and
further
incr eases
will
f ollow
The
efficiency
of
leading
r et ail banks,
c ompar ed
with
that
of
the typic al r et ail
bank
3
y ears
30%
2x
S our c e:
BC G
analy sis.
Ch a p t er
o r
S e c tio n
S t a r t
P a g e
w i th
au th o r
b io
a n d
o n e
co l umn
R
The
C halleng e St arts
Now
et ail
banks
around
the world
r eact ed
t o
the C O VID -19
crisis
with
speed,
dext erity ,
and
purp ose, while
r emaining
true t o
their
envir onment al,
so cial,
and
c orpor at e
g o v ernanc e
g oals.
When
customers
st a y ed home,
banks
closed
or
c onv ert ed
br anches,
r edir ecting their
r esour c es
and
customers
t o
r emot e
and
digital chan - nels.
As
it
b ec ame
clear
that
an
ec onomic
crisis
lo omed
as well,
banks
promptly t o ok
st eps
t o
impr o v e
their
financial p osition.
To
help
financially
str essed
customers
weather the crisis,
banks
off er ed
them
loan
def err als
or
moratori - ums.
And
they
did
it
all
in
the span
of
a
f ew
weeks.
That
w as
then.
Now ,
as
the new
r eality
starts
t o
t ak e
shap e , banks
f ac e
further
challeng es.
The
pandemic
sho ck
has ac c eler at ed
chang es
alr eady
underw a y
and
spark ed
new ones.
Institutions’
r ev enues
ar e
under
pr essur e,
and
global banking
r ev enue
p o ols
ha v e
alr eady
t ak en
a
signific ant beating.
U nder
the most
optimistic sc enario,
those
p o ols ar e
not
exp ect ed
t o
r eturn t o
pr ecrisis
lev els
until
2022.
C ust omers
ar e
mo ving
t o
digital channels
f aster
than they ha v e
in
the past .
Online
banking
use
has
risen
b y
23%,
and mobile banking
use
is
up
b y
30%.
These
chang es
ar e
lik ely t o
b e
p ermanent ,
ac c eler ating
the migration t o
digital channels
b y
thr ee
t o
f our
y ears
o v er
pr ecrisis
tr ends.
As
customers
mo v e
online,
banks’
p osition
at the int ersec - tion
of
the cust omer
and
financial
ser vic es
is
c oming
under att ack.
A
st ack ed
industr y
landsc ap e,
with
diff er ent typ es
of
pla y ers
c omp eting
at each
lev el,
is
t aking
shap e.
Non - bank
insurgents
ar e
making
str ong
inr oads
in
distribution, thr eatening
t o
c ommoditize many
banking
pr o ducts.
P erhaps
ab o v e
all, r et ail
banks
need
t o
r ethink and
r e- align
c osts—st arting now .
C urr ent c ost
structur es
ar e
not sust ainable.
R et ail
banks
must b ec ome
digit al—fr om fr ont
t o
back — and
they
must org anize
around
v alue
str eams,
a
series
of v alue-adding
activities
that
lead
t o
the o v er all
r esult
that customers
need.
While
most
banks
ha v e
prioritized select digitization measur es
( oft en
f o cusing
on
fr ont-end
func - tions
that
will
ha v e
the most
cust omer
impact),
they
ha v e not
put
an
eq uiv alent eff ort
int o
c ost
and
risk
c ontr ol (the back - end
or
int ernal
pr o c esses).
As
a
r esult ,
cust omers’ digital exp erienc e
has
impr o v ed,
and
they
ar e
enjo ying
new options
and
f eatur es,
but
banks’
fix ed
c osts,
which
ar e larg ely
tied t o
t errestrial
assets,
r emain
in
plac e.
Without addr essing
c osts,
banks
will
struggle
t o
monetize
their curr ent inv estments.
This
r ep ort
examines
what
r et ail
banks
need
t o
do.
R ev enues
Ar e Under
Pr essur e
he
new
r eality
gr eets
banks
with
tr ouble
at the t op line. W e
plott ed
thr ee
r ev enue
sc enarios
f or
r et ail banks
using
diff er ent global
GDP
f or ec asts.
A
Quick
R eb ound.
U nder
this sc enario,
GDP
r ev erts q uickly
in
a
V -shaped
r ec o v er y ,
r eturning t o
2019
lev els
in 2021.
Emplo yment r ec o v ers
t o
pr e- C O VID -19
lev els.
Global tr ade
picks
up
and
o v er c omp ensat es
f or
short-t erm output losses,
while
c onsumer
c onfidenc e
r eturns
t o
pr ecrisis lev els.
L arg e-sc ale
loan
losses
don ’t
mat erialize,
thanks
t o g o v ernment supp ort
and
the r ec o v ering
macr o ec onomic envir onment .
Banks
c an
mak e
up
their
r ev enue
losses
b y 2022.
T
Sub dued
R ev enue
Gr owth
Is
Anticipat ed
During
the
Next
F our
Y ears
R et ail
and priv at e- client
r ev enues
globall y
($billions )
3,000
2,500
2,000
Quick
r eb ound Slow
r ec o v ery
Deep er
impact
1,500
1,000
2014 2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
CA GR
2019–2024
(%)
R et ail
and
priv at e- client r ev enues
globally
($billions)
2,586
2,254
2,371
2,132
2019
Quick rebound
Slow recovery
2024
s c e na r i o
e s t i m a t e s
–1.1
2.8
Pr e-C O VID -19
1.0
Deeper impact
S our c e:
BC G’s
banking
p o ols,
S ept emb er
2020.
A
Slow
R ec o v ery .
In
a
slow
r ec o v er y ,
a
deep
decline
in
the GDP
gr owth
r at e
in
2020
r ev erts
t o
the pr epandemic
r at e f ollowing
a
U-shap ed
r eb ound.
GDP
r eturns
t o
2019
lev els in
2022.
Emplo yment impr o ves,
but
stubb orn
p o ck ets
of unemplo yment c ontinue in
deeply
aff ect ed
sectors.
Global tr ade
slowly
r eg ains
momentum, although
many
barriers r emain
in
plac e.
C onsumer
c onfidenc e
partly r ec o v ers,
but it
r emains
v olatile as
unc ert ainty
ling ers.
Banks
exp erienc e sect or -sp ecific
loan
losses
and
some
impact on
unsecur ed r et ail
lending.
A
Deep er
Impact.
U nder
this sc enario,
the c or onavirus r emains
pr ev alent ,
r esurf acing
in
multiple
wa ves.
R ec es - sionar y
c onditions
ar e
har d
t o
o v er c ome
in
many
r egions. GDP
f ollows
an
elong at ed
L
tr aject or y ,
with
high
or
rising unemplo yment r at es
o v er
multiple
y ears.
GDP
do es
not r eturn t o
2019
lev els
until
2024.
Global
tr ade
t ak es
a
struc - tur al hit ,
and
g eop olitic al t ensions
rise.
C onsumer
c onfi - denc e
declines
in
the f ac e
of
r ep eat ed
lo ckdowns.
C orp o - r at e
and
r et ail
lenders
exp erienc e
larg e-sc ale
loan
losses.
Fr om a
r egional
p ersp ectiv e,
ther e’s
bad
news
f or
banks
in dev elop ed
mark ets.
In
the latt er
two
sc enarios,
the r ev enue outlo ok
is
b etween
mo dest
and
bleak.
E v en
with
a
q uick r ec o v er y ,
r et ail
banks
in
dev elop ed
mark ets
f ac e
a
slow climb
back
t o
2019
r ev enue
lev els.
The
Most
Pr of ound
R ev enue
Declines
Ar e
Exp ect ed
t o
Be
in
W estern Eur op e
and
North
Americ a
G lobal
r et ail-banking
r ev enue
p ools
($billions )
W orldwide W est ern
Eur op e
North
Americ a
East ern
Eur op e Middle
East
and
Afric a Latin
Americ a
Asia-P acif i c
2019
Quick
rebound 2024E
Slow
recovery 2024E
Deeper
impact 2024E
CA GR
f or
r ev enue sc enarios,
2019–2024
2,586
2,254
360
2,371
333
2,132
349
301
766
712
727
640
88
123
228
108
140
98
129
248
89
117
22939
739
851
762
Regions
Western
Europe
North
America
Eastern
Europe
Middle
East and
Africa
Latin
America
Asia-Pacif i c Quick
rebound (%)
Slow
recovery
(%)
Deeper
impact
(%)
S our c e:
BC G’s
banking
p o ols,
S ept emb er
2020.
0.6
1.1
4.1
2.5
3.7
4.9
–0.9
–0.4
2.2
0.8
1.7
2.9
–3.0
–2.5
0.1
–1.1
–0.4
0.6
Fr om a
pr o duct
st andp oint ,
r ev enues
fr om c onsumer financ e
loans
and
other
lending
will
t ak e
the larg est
hit . New
business
will
b e
har d
t o
c ome
b y .
The
positiv e
impact of
e- c ommer c e
will
b e
partially offset
b y
a
decline
in c onsumer
sp ending,
esp ecially
on
big -tick et it ems.
Nonp erf orming loans
will
weigh
on
the ability t o
g ener at e futur e
gr owth.
The
exp ect ed
long-t erm run
of
r o ck -b ott om int er est
r at es
will
aff ect
b oth dep osit
holdings
and
r eturns.
In
addition, an
incr ease
in
c ont actless
mobile pa yments ma y
lead
t o
a
long-t erm shift awa y
fr om cr edit c ar d usag e—a
chang e
that
c ould
b e
exac erbat ed
b y
a
shift fr om cr edit t o
debit
c ar ds
as
c onsumers
gr ow
mor e
c a utious
and banks
limit
cr edit lines.
R ev enues
fr om
C onsumer
Financ e
and
Other
Loans
Ar e
Exp ect ed t o
T ak e
the
Bigg est
Hit
G lobal
ret ail-banking
r ev enue
p ools
($billions )
2,586
W orldwide
Inv estments
C hecking
dep osits
Other
dep osits
P a yments
and
tr ansactions
C onsumer
fi nanc e
and
other
loans
2,371
2,254
2,132
308
304
341
352
473
558
536
604
583
522
638
228
712
284
252
228
226
264
243
312
258
362
361
396
Mortg ag es
2019
Quick
rebound
Slow
recovery
Deeper
impact
2024E
2024E
2024E
S our c e:
BC G’s
banking
p o ols,
S ept emb er
2020.
Not e:
Bec a use
of
r ounding,
not
all
numb ers
add
up
t o
the
t ot als
shown.
T
Mor e
Cust omers Ar e
Bec oming Mor e
Digit al— Mor e
Quickly
he
pandemic
is
inc entivizing
cust omers’
shift awa y fr om tr aditional br an...