85%的公司客户计划转向非银行金融公司,原因是银行技术一体化差、缺乏个性化,以及尽管收入增长放缓,但AI信任度低。 85% of corporate clients plan to shift to non-bank financial firms due to banks' poor tech integration, lack of personalization, and low AI trust, despite slowing revenue growth.

Capgemini报告显示,85%的公司客户计划在下一年与非银行金融机构合作,理由是与企业资源规划系统的一体化程度差、缺乏个性化,以及公司和投资银行的实时反应不足。 A Capgemini report reveals that 85% of corporate clients plan to work with non-bank financial institutions within the next year, citing poor integration with ERP systems, lack of personalization, and insufficient real-time responsiveness from corporate and investment banks (CIBs). 只有23%的客户认为CIB满足了他们的需求,大多数创新努力未能增加收入或削减成本。 Only 23% of clients feel CIBs meet their needs, and most innovation efforts fail to boost revenue or cut costs. CIB面临挑战,包括遵守成本高,43%的IT预算用于遗留系统,AI治理有限,因为只有26%有中央监督。 CIBs face challenges including high compliance costs, with 43% of IT budgets spent on legacy systems, and limited AI governance, as only 26% have centralized oversight. 客户对AI产出的不信任程度仍然很高,89%质疑可靠性。 Client distrust in AI outputs remains high, with 89% questioning reliability. 收入增长正在放缓到5.4%的CAGR,促使银行对基础设施进行现代化改造,采用符合道德的AI,并结成战略伙伴关系以改善服务和重新获得信任。 Revenue growth is slowing to a 5.4% CAGR, pushing banks to modernize infrastructure, adopt ethical AI, and form strategic partnerships to improve service and regain trust.