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Banking Trends for 2016
2Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are facing an increasing threat of
disruption
Profitable aspects of
banking business are being targeted
Customer expectations are
creating a need for innovation
Payment services are facing
the highest level of disruption
Source: Capgemini Financial Services Analysis, 2015;
3Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are making investments to drive
innovation
Partnering/
Collaborating
Incubators/
Accelerators
Innovation
Labs
Investing in
FinTechs
Acquiring
FinTechs
Source: Capgemini Financial Services Analysis, 2015;
4Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
To counter cyber threats, banks are investing
more in Security Systems
450
mn
Customers using
banking services
through biometrics by
end of 2015
40%
Increase in cost of
managing cyber
security infrastructure
by 2025
$13.5
mn
Total average
annualized cost of
cyber crime in financial
services firms in 2015
Source: Capgemini Financial Services Analysis, 2015; 2015 Cost of Cyber Crime Study: Global, Ponemon Institute; “Why Cyber Security Will Cost 40% More In 10 Yrs”, CXOtoday, News Desk,June 12, 2015; ”Biometrics will be main banking identity
authorization method by 2020, says report”, Justin Lee, Biometricupdate.com, June 2, 2015
5Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are increasingly using cloud services
for core business activities
$191
bn
The global cloud
market is estimated
to reach $191bn by
2020
70%
Percentage of cloud
initiatives of major
global banks
leveraging private
cloud (Dec 2014)
Scalability
Flexibility
Agility
Source: Capgemini Financial Services Analysis, 2015; “Benchmark Your Enterprise Cloud Adoption, Forrester Research, Inc., Sophia I. Vargas, Dave Bartoletti with Glenn O’Donnell, Michael Caputo, August 12, 2015; Cloud Heat Map in Banking, 2015,
Gartner, December 10, 2014
6Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks will continue to leverage digital
technologies to enhance customer experience
Enhanced
Mobile Banking
Services
Analytics Driven
Personalized
Services
Advisory Role of
Physical
Branches
24%
Percentage of new
analytics initiatives
are focused on
customer
experience in 2015
Source: Capgemini Financial Services Analysis, 2015; Analytics Heat Map in Banking, Gartner, 2015
7Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are increasingly taking up legacy
systems transformation
Driving Agility Better Time to Market
Competitive
Differentiation
80%
Percentage of banks
expected to replace
their core banking
systems within the
next five years
Source: Capgemini Financial Services Analysis, 2015; “80% of banks to replace core systems ’within five years’”, Elliott Holley, Banking Technology, 16 March 2015
8Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are exploring distributed ledger
technology as an opportunity
Efficiency
Speed
Transparency
$ 15-
20 bn
Distributed ledgers are
expected to reduce
banks’ infrastructure
costs by $15bn–$20bn
per annum by 2022
Source: Capgemini Financial Services Analysis, 2015; “The Fintech 2.0 Paper: rebooting financial services”, Santander InnoVentures, Oliver Wyman, and Anthemis Group, 2015
9Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are working to fully integrate risk
management and compliance practices
$ 230 Billion
Total Litigation Costs Paid by
U.S. and European Banks
(2009-2014)
Increased
Regulations
Increased Spending
on Automation
Enabling Employees
with Decision
Making Tools
Compliance
Procedures for
Third-Party Vendors
Source: Capgemini Financial Services Analysis, 2015; “European banks face $52 billion in litigation costs: Morgan Stanley”, Reuters.com, 13 Jan 2015
10Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are embracing advanced analytics in
addition to traditional business intelligence
solutions
Proportion of Overall
Analytics Initiatives by Banks
Traditional BI: 28%Advanced Analytics: 72%
Risk Management
Business
Strategy
Fraud Analytics
Customer
Analytics
Source: Capgemini Financial Services Analysis, 2015; Analytics Heat Map in Banking, Gartner, 2015
11Copyright © Capgemini 2013. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are focusing on financial inclusion and
awareness
Pressure on
Business Growth
Enhance Financial
Awareness
Enhance Customer
Engagement
Need for PFM and
Gamification
Source: Capgemini Financial Services Analysis, 2015;
The information contained in this presentation is proprietary.
© 2013 Capgemini. All rights reserved.
www.capgemini.com
About Capgemini
Now with 180,000 people in over 40 countries, Capgemini is one
of the world's foremost providers of consulting, technology and
outsourcing services. The Group reported 2014 global revenues
of EUR 10.573 billion.
Together with its clients, Capgemini creates and delivers
business and technology solutions that fit their needs and drive
the results they want. A deeply multicultural organization,
Capgemini has developed its own way of working, the
Collaborative Business ExperienceTM, and draws on
Rightshore®, its worldwide delivery model.

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Banking Trends for 2016

  • 2. 2Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are facing an increasing threat of disruption Profitable aspects of banking business are being targeted Customer expectations are creating a need for innovation Payment services are facing the highest level of disruption Source: Capgemini Financial Services Analysis, 2015;
  • 3. 3Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are making investments to drive innovation Partnering/ Collaborating Incubators/ Accelerators Innovation Labs Investing in FinTechs Acquiring FinTechs Source: Capgemini Financial Services Analysis, 2015;
  • 4. 4Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services To counter cyber threats, banks are investing more in Security Systems 450 mn Customers using banking services through biometrics by end of 2015 40% Increase in cost of managing cyber security infrastructure by 2025 $13.5 mn Total average annualized cost of cyber crime in financial services firms in 2015 Source: Capgemini Financial Services Analysis, 2015; 2015 Cost of Cyber Crime Study: Global, Ponemon Institute; “Why Cyber Security Will Cost 40% More In 10 Yrs”, CXOtoday, News Desk,June 12, 2015; ”Biometrics will be main banking identity authorization method by 2020, says report”, Justin Lee, Biometricupdate.com, June 2, 2015
  • 5. 5Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are increasingly using cloud services for core business activities $191 bn The global cloud market is estimated to reach $191bn by 2020 70% Percentage of cloud initiatives of major global banks leveraging private cloud (Dec 2014) Scalability Flexibility Agility Source: Capgemini Financial Services Analysis, 2015; “Benchmark Your Enterprise Cloud Adoption, Forrester Research, Inc., Sophia I. Vargas, Dave Bartoletti with Glenn O’Donnell, Michael Caputo, August 12, 2015; Cloud Heat Map in Banking, 2015, Gartner, December 10, 2014
  • 6. 6Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks will continue to leverage digital technologies to enhance customer experience Enhanced Mobile Banking Services Analytics Driven Personalized Services Advisory Role of Physical Branches 24% Percentage of new analytics initiatives are focused on customer experience in 2015 Source: Capgemini Financial Services Analysis, 2015; Analytics Heat Map in Banking, Gartner, 2015
  • 7. 7Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are increasingly taking up legacy systems transformation Driving Agility Better Time to Market Competitive Differentiation 80% Percentage of banks expected to replace their core banking systems within the next five years Source: Capgemini Financial Services Analysis, 2015; “80% of banks to replace core systems ’within five years’”, Elliott Holley, Banking Technology, 16 March 2015
  • 8. 8Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are exploring distributed ledger technology as an opportunity Efficiency Speed Transparency $ 15- 20 bn Distributed ledgers are expected to reduce banks’ infrastructure costs by $15bn–$20bn per annum by 2022 Source: Capgemini Financial Services Analysis, 2015; “The Fintech 2.0 Paper: rebooting financial services”, Santander InnoVentures, Oliver Wyman, and Anthemis Group, 2015
  • 9. 9Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are working to fully integrate risk management and compliance practices $ 230 Billion Total Litigation Costs Paid by U.S. and European Banks (2009-2014) Increased Regulations Increased Spending on Automation Enabling Employees with Decision Making Tools Compliance Procedures for Third-Party Vendors Source: Capgemini Financial Services Analysis, 2015; “European banks face $52 billion in litigation costs: Morgan Stanley”, Reuters.com, 13 Jan 2015
  • 10. 10Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are embracing advanced analytics in addition to traditional business intelligence solutions Proportion of Overall Analytics Initiatives by Banks Traditional BI: 28%Advanced Analytics: 72% Risk Management Business Strategy Fraud Analytics Customer Analytics Source: Capgemini Financial Services Analysis, 2015; Analytics Heat Map in Banking, Gartner, 2015
  • 11. 11Copyright © Capgemini 2013. All Rights Reserved Presentation Title | Date | Financial Services Banks are focusing on financial inclusion and awareness Pressure on Business Growth Enhance Financial Awareness Enhance Customer Engagement Need for PFM and Gamification Source: Capgemini Financial Services Analysis, 2015;
  • 12. The information contained in this presentation is proprietary. © 2013 Capgemini. All rights reserved. www.capgemini.com About Capgemini Now with 180,000 people in over 40 countries, Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services. The Group reported 2014 global revenues of EUR 10.573 billion. Together with its clients, Capgemini creates and delivers business and technology solutions that fit their needs and drive the results they want. A deeply multicultural organization, Capgemini has developed its own way of working, the Collaborative Business ExperienceTM, and draws on Rightshore®, its worldwide delivery model.