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传统银行技术投资报告
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报告显示，过去三年里，传统零售银行和商业银行在全球投资了1万亿美元，以改造其IT业务，但尚未实现预期的收入增长。
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传统银行技术投资报告 In Europe as a whole,one-third of revenue growth is going to companies that entered banking and payments market since 2005,with the U.K. being the most disrupted,with more than 10 percent of its current total revenue and over 60 percent of its revenue growth leaking to new entrants.Driven by a combination of regulatory changes,like Open Banking,and customer expectations increasingly shaped and elevated by non-bank digital experiences,the long-anticipated structural change in the industry does appear to be happening in at least some markets. But the story is not homogenous.For every U.K. example where challenger banks,like Monzo and Revolut,are acquiring millions of customers and commanding unicorn valuations,there are equally compelling counter examples.In Canada,for example,the combination of smart regulation,sustained customer loyalty,and continuous innovation by incumbents has blunted the pick of many venture capitalists,resulting in a stable industry structure that consistently delivers attractive shareholder returns.Despite these important market differences,when we take a step back and look at global banking in the context of other industries,our research indicates a clear movement from a vulnerable position to a point where volatility is now real(Figure 1). Bank investors appear to share our view that the future prospects of banking industry incumbents have deteriorated,and that disruption is going to limit their ability to consistently create profitable growth.As our analysis in Figure 2 shows,after the tribulations of the global financial crisis, the banking sector has clawed its way back to a return on equity(ROE)-and remember there is now a lot more equity than pre-crisis-that puts it in the middle of the pack when compared to other industries. 【更多详情，请下载：传统银行技术投资报告】
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