The 2010’s have been a decade of significant change, driven by technological advances which are showing little sign of slowing. Alongside this, market growth across multiple industries is being increasingly challenged by consumer behaviour. New challenges are being laid down and to remain relevant, UK businesses are facing tough decisions on how to best align to the current economic climate.
重大变革带来巨大机遇。在我们展望2021年和下一个十年的时候,必须承认,尽管面临着市场挑战,但对于那些希望使用technology to drive their future success.
The biggest change of the past decade: fast money
几千年来,货币一直被用来交换商品和服务。每一次进化都是由便利性的转变推动的。易货?太多变了。青铜复制品?太麻烦了。金属硬币?太重了。纸张?太笨重了。
很长一段时间以来,塑料卡似乎解决了这个问题:方便携带、快捷、方便。接着,苹果在2007年推出了iPhone,这标志着我们日常生活方式发生了巨大的文化转变。
这一设备使我们能够在许多方面保持联系和生产力,这是不可避免的,它也将成为货币故事中另一个演变的催化剂。非接触式支付旨在无缝和方便。轻轻一按,购物者就开始下一个差事了。很简单。
Arguably, of all the technologies which have emerged over the last ten years,contactless payment has claim on being the most impactful on our daily lives .
Here it is worth thinking of the proverbial swan, calm and collected floating on the lake’s surface, yet paddling away under the water. The technology used to deploy, integrate and support contactless systems is complex. Layers of data and functionality are in play, with security constantly being tested, reviewed and enhanced so users can remain confident that their money is protected.
在旅游、零售、娱乐和其他领域,专家们已经在寻找支付领域的下一个技术演进,以确保客户体验仍然至关重要。在2020年初,我们可能会看到regulation technology成为焦点biometrics become mainstream.
The businesses leading the charge will be those who can ensure systems are fit for purpose, delivering a simple user interface and offering rigorously-tested security.
未来十年的差异:
1. Winning the data war
马naging data in a way that combines and analyses knowledge from across global organisations is still a major challenge. Stricter data integrity and protection laws, heavy fines and lower customer trust won’t make this critical opportunity any easier to grasp.
然而,那些能够掌握大数据、实时分析和增强认知能力的人,将更有能力反攻美国Fintechthreat and remain relevant.
2保证财务弹性
Since the 2008 banking crisis, regulators have forced institutions to swell their reserves in case of another crash. With the growing dependency on technology – and the potential threat of disruption from网络恐怖主义, outages and data breaches – Financial Institutions (FIs) may soon need to guarantee their operational resilience too. Or they may choose to advertise resilience as a competitive advantage.
3.马king use of robotics
AI assistants and humanoid robots are constantly evolving. These technology advancements are key for FIs becoming cognitive – replicating the human ability to learn and respond to thepreferences of customers.
也就是说,要让客户相信,一个能理解你的语言、手势甚至面部表情的聊天机器人提供个性化服务是件好事,还有很多工作要做。
4不要忘记人的触摸
众多好处之一数字化转型的关键在于它能够自动化最例行的办公任务。毫无疑问,这场巨变将导致金融机构大规模重组。然而,雇主仍然需要具备软技能的人,他们可以为客户创造人性化的体验,并使品牌与日常社区生活相关联。
走向未来
随着技术进步使金融机构发生了革命性的变化,提高效率、改进流程和检修供应链将成为提供一流客户服务的核心。
金融机构面临的挑战是,在确保这些创新为企业和消费者带来重大利益的同时,透明度和信任is set to become the ‘crucial’ offering.
ByStephen Magennis, MD for UK Quality Business at Expleo,在端到端、集成工程、质量服务和管理方面是值得信赖的合作伙伴。