近年来，金融服务业在技术飞速发展的支撑下，以惊人的速度发展。
In fact, our own consumer research into people’s attitudes toward technology revealed that62% of people想想过去十年中最先进的技术发展之一，银行业变得更容易、更快捷。而传统银行似乎也在倾听56%的人现在将数字破坏作为他们战略的核心。
与此同时，像蒙佐（Monzo）和斯塔林（Starling）这样的年轻银行并没有像传统银行希望的那样消失，而是在客户和现金方面成为了强大的竞争对手，这给金融服务业的其他部门带来了压力，迫使它们走出舒适区，快速创新，接受快速失败的文化。
As we look past the end of 2020 and into the future, technology is only going to play a bigger role across the banking sector. With that in mind, we’ve outlined the biggest tech-driven trends we can expect to see in 2021 and beyond that financial services need to take note of.
个性化选择
营销专家已经宣传了个性化的好处，以吸引和留住客户。大数据和人工智能帮助我们处理、存储数据，并从中获取见解，这意味着个性化将有可能达到前所未有的规模。乐动娱乐网站
现在，银行掌握了有关客户行为、社交和浏览历史的信息。人工智能实现了这些见解的实时多渠道集成，以便在信息最相关和最有用的时候（例如汽车贷款或信用卡）为客户提供个性化的一对一营销体验。乐动娱乐网站
也就是说，对大量的非结构化数据进行分类以获取有用的信息是一项不小的任务。如果机构想要获得回报，就需要强大的数据分析技术。
RPA公司
Already, financial firms have quietly introduced machines that think. Moving forward,机器人过程自动化（RPA）将继续影响金融机构，帮助它们提高效率和效力。
这includes processes such as customer onboarding, verification, risk assessments, security checks, data analysis and reporting, compliance processes as well as most other repetitive administrative activities. This frees up a bank’s workforce to perform more complex, value add activities.
Importantly, RPA shouldn’t been seen as a risk to jobs, it should be seen as an exciting opportunity to innovate. After all, with basic processes taken care of, people will have more time to focus on creativity in order to drive improvements.
聊天机器人
根据Gartner的数据，到2020年，聊天机器人将与85%的银行和企业的客户互动。据一份报告称，金融聊天机器人每次互动都能节省超过4分钟的时间，因此使用它们是银行的兴趣所在。
金融机构的客户已经开始依赖这些对话界面提供的全天候服务，因为即时响应和快速解决投诉的可能性大大改善了个人银行业务的体验。会话界面还为金融部门的组织提供了一种简单而经济的方式来接收客户反馈。
块链
区块链将继续扰乱金融机构，而不仅仅是确保数据安全。
Cases across the globe are already proving the value of blockchain in a wide variety of banking and investment applications, such as solving challenges faced by investment banks, to helping customers make safer payment transactions.
在我们到达一个临界点之前，不太可能在全行业范围内采用区块链，然而，当这个临界点出现时，监管机构将需要确定最佳实践以及如何监督其使用。
Biometrics – especially around mobile payments
随着全球消费者对现金的依赖程度降低，移动支付创新可能会彻底抛弃传统钱包。谷歌、苹果、腾讯和阿里巴巴已经有了自己的支付平台，并继续推出生物特征访问控制、诱导指纹、人脸识别等新功能，这很可能成为未来十年首选的访问途径。
Greater collaboration between fintechs and traditional banks
While many financial institutions are continuing to adopt new technology to enhance operations and improve customer service,金融科技provide exciting avenues for ongoing innovation. Already, financial institutions have realised they must learn how to use fintech to their competitive advantage, and this is only going to continue in the years ahead.
Tech-first is the only approach
技术优先的方法现在是唯一的方法。银行如何利用RPA、区块链、聊天机器人和生物识别技术，将决定它们应对网络风险的能力，并与高度可扩展的替代银行提供商展开竞争，后者正在将贷款周期从几周缩短到几小时。
Businesses are digitising their customer journeys and scaling-up transformation. They’re finding more灵活的工作方式, boosting productivity, building key skills of the future in-house and modernising with targeted investment in technology, data, testing, assurance and information.
如果创新技术实施不当，那么不仅会对工作能力产生严重的负面影响，还会以消费者信任的形式产生连锁反应。任何企业都不能失去的东西…尤其是在这个时候。
这can all be avoided by embedding连续质量to help drive digitalisation and innovation. Combined, they achieve excellence in execution and help to deliver greater cost-efficiency, by identifying and mitigating business risk at every step.
在Expleo，we’re experts at shaping agile culturesacross entire organisations, and at fully-equipping teams for the path ahead, embedding quality right down into your own DNA too. We help identify and mitigate business risk in technology-led transformations, using standardised methodology, industrialised automation solutions, global delivery and deep domain knowledge. With Expleo as a trusted partner, businesses can embed continuous quality to drive digitalisation and innovation.
由Expleo英国银行和金融服务主管Angus Panton, a trusted partner for end-to-end, integrated engineering, quality services and management.
