详情描述

Good technology disappears。without us being aware,it can create scaffolding that both supports us in makingbetter decisions and protects us (from ourselves andexternal threats)。Alithough we don't have self-drivingcars yet, we do have adaptive cruise control, blind

spot monitors, voice-controlled entertainment systems。llane departure sensors and heads-up displays thatmake driving easier and safer than ever before。ln the same way that good automotive technologyimprowes the driving experience without intruding。banking innovation is becoming increasingly inwisible。

Mobile and online banking have become the dominant ways of interacting with banks in marketssuch as Southeast Asia, where traditional branch-based banking never had a chance to really take hold。Consider that 74 percent of Thailand's internet usersaccess banking services over mobile devices, versusa global rate of just 41 percent。' We can, therefore,begin to make the argument that, despite all the talkof digital transformation,banking—like the rest ofthe world—is entering a post-digital age where thepriorities of the last few years are fast becomingthe table stakes of the future。

Of the 784 bank businessand lT executives from nearly30 countries polled in our global Technology Vision 2019survey,96 percent said that newtechnologies have acceleratedtheir pace of innovation overthe past three years (Figure 1)。

Somewhat surprisingly, this is higher than otherdisrupted industries such as travel and media。lt indicates that banking is starting to see an acceleration in disruption that may create materialchanges in the industry structure。For the fourpercent of banking executives who don't seeinnowation accelerating in their business,theonly conclusion we can draw is that they wereeither ahead of the game three years ago or willstruggle to remain competitive in the future。Digging a little deeper into our survey data,73 percent of banking executives believe that social,mobile, anallytics, and cloud (SMAC) technologieshave created extensive or transformational changeover the past five years。Among the industry sectorscovered by our Tech Vision, only software and platformplayers saw SMAC having a larger transformationalllimpact (41 percent versus 29 percent in banking)。

lt might be a sign that banking is indeed becomingblig on IT players。Eighty-two percent of banking executives also agreed that SMAC has moved beyondthe adoption phase to become a core technology fortheir organizations。At the other end of the spectrum。the public service industry was least likely to haveexperienced transformationall change (19 percent)。which may not surprise anyone who has lost armorning waiting to renew their driving license。Once again, our Tech Vision identified five cross-industry trends that we think will be importantover the next few years。This report interprets whatthose trends could mean for the banking industry。

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