2025-01-19-Capgemini-凯捷金融服务2025年趋势-财富管理（英）_33页_1mb

Capgemini Financial Services Top Trends 2025 - Wealth Management

1. Seamless Digital Experience

• Wealth firms enhance customer experience (CX) by integrating services via unified digital platforms, enabling multi-channel interactions.
• Key focuses include curated portfolios and investor advisory, improving client satisfaction and retention.
• Examples: Bank of America unified its mobile app, UBS launched "MyWay" portfolio platform.

2. Hyper-Personalized Advisory

• Artificial intelligence (AI) powers tailored investment strategies based on client profiles and life events.
• AI enables automatic rebalancing, personalized recommendations, and tax-optimized portfolios.
• Examples: J.P. Morgan's "Quest IndexGPT", Openbank's AI price prediction models.

3. Bridging Generation Gaps

• Wealth firms tailor advice to next-generation HNWIs, addressing evolving financial education needs.
• Focus on emerging industries (e.g., sports, arts) and family succession planning to retain clients.
• Example: Morgan Stanley's "Money in the Making" program for young talent.

4. Inorganic Growth Strategies

• Mergers & acquisitions (M&A) drive service expansion into alternatives and international markets.
• Regulatory shifts and demographic changes fuel consolidation.
• Example: BlackRock's acquisition of Global Infrastructure Partners.

5. Regulations Drive ESG Traceability

• Regulators mandate standardized ESG reporting to combat greenwashing and enhance transparency.
• Wealth firms implement ESG asset tracking to meet compliance and sustainability demands.
• Example: State Street's alignment with UN SDGs and EU CSRD.

6. Digital Onboarding

• White-label digital onboarding reduces costs and speeds up client acquisition while improving KYC/AML compliance.
• Integration of perpetual KYC and cloud workflows enhances personalization and efficiency.
• Example: Charles Schwab's digital onboarding solution.

7. Unified Operating Models

• Standardized models improve operational efficiency across geographies, enabling scalable services.
• Streamlining operations reduces overhead and allows investment in tech-driven personalization.
• Example: Santander's client lifecycle management system.

8. Gen AI for Relationship Manager Efficiency

• Generative AI automates routine tasks (e.g., reporting, research), freeing RMs for deeper client engagement.
• AI tools support fraud detection and regulatory compliance through intelligent copilots.
• Example: Morgan Stanley's Debrief AI tool for meetings.

9. Real-World Asset Tokenization

• Blockchain enables tokenization of RWA (real estate, debt), improving liquidity and fractional ownership.
• Interoperable networks and protocols facilitate cross-chain trading.
• Example: J.P. Morgan's tokenization of money market funds.

10. Cloud-Native Wealth Management Platforms

• Cloud solutions enhance data integration and scalability for wealth management workflows.
• Platforms support modular APIs and flexible deployment for improved efficiency.
• Example: Swedbank Robur's migration to cloud-based investment management.

Key Financial Services Insights

• Digital transformation is critical for competitive advantage, with AI and cloud driving significant changes.
• Focus on regulatory compliance (e.g., ESG reporting, KYC automation) driven by evolving standards.
• Partnerships with FinTechs and cloud providers (Capgemini advises) accelerate innovation.