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COMMERCIAL
BANKING
TRENDS 2022
Top Commercial Banking Trends 2022 2
Company Confidential © Capgemini 2021. All rights reserved |
TOP COMMERCIAL BANKING TRENDS 2022 – PRIORITY MATRIX
Priority of adoption refers to the criticality of a particular trend to create maximum value in 2022. We based the rating on identified trends for a large to mid-size commercial bank operating in the
current environment.
Business impact represents the influence of a trend on a bank’s business in 2022, such as customer experience, operational excellence, regulatory compliance, or profitability.
 Low-interest rates
 New operating models triggered by COVID-19
 Intense competitive environment and increased focus on customer centricity due to new-age
players
 Operational cost overruns and high capital lock-in
 Dynamic regulatory environment.
This will vary for a specific bank depending on their business priorities, geographic location, and several other factors. For specific requirements, please contact banking@capgemini.com
Top Trends in Commercial Banking for 2022 by Capgemini
Enabling experiential banking
1 Goodbye business banking; Hello business of experience
2 Commercial banking game-changers: Keep your eyes on as-a-Service models
End-to-end transformation
3 Real-time treasury management to bolster competitive advantage
4 Cash-flow forecasting offers corporate clients actionable insights to fuel growth
Market disruption
5 Fintechs orchestrating commercial banking ecosystems and building B2B super apps
6 Hyper-flexible alternative lenders give SME loans a dramatic makeover
Process optimization
7 Simplified, low-paper business processes are powering back-office transformation
8 Commercial lenders are leveraging alternative data to optimize credit decisions
New horizons/industry evolution
9 Sustainable finance offerings to boost low-carbon economy
10 Smart contracts will enhance real-time trade and settlement functions
Adoption
priority
(2022)
Business impact (2022)
Medium
High
Significant
Medium High Significant
9 4 2
8 5 3 7
10 1 6
The matrix represents the perspective of Capgemini analysts for banks in the current operating environment.
Top Commercial Banking Trends 2022 3
Company Confidential © Capgemini 2021. All rights reserved |
GOODBYE BUSINESS BANKING; HELLO BUSINESS OF EXPERIENCE
Simplifying business processes
using intelligent automation for
superior front-end user experience
becomes a necessity for banks.
Top Trends in Commercial Banking for 2022 by Capgemini
Flag potential
friction by mapping
processes, customer
journeys, and
information flow
Build
complementary
strengths in-
house or with
collaboration
Define success and
prioritize expectations, objectives
Adapt
Top Commercial Banking Trends 2022 4
Company Confidential © Capgemini 2021. All rights reserved |
COMMERCIAL BANKING GAME-CHANGERS: KEEP YOUR EYES ON
AS-A-SERVICE MODELS
Top Trends in Commercial Banking for 2022 by Capgemini
AS-A-SERVICE
Increased scope of
hyper-personalization
Real-time
consolidated
business data
Enhanced
transparency and
improved control
factors
Scalable, agile,
and economical
platformification
with monetization
opportunities
Platformification aiding
new models will help
commercial banks move
from a one-size-fits-all
approach to a collaborative
process that engages
existing clients and
increases acquisition.
Top Commercial Banking Trends 2022 5
Company Confidential © Capgemini 2021. All rights reserved |
REAL-TIME TREASURY MANAGEMENT TO BOLSTER COMPETITIVE
ADVANTAGE
The evolution of real-time payments
is leading to treasurers envisioning
automated functionalities to drive
efficiency in operations.
Top Trends in Commercial Banking for 2022 by Capgemini
Enhanced
monitoring of
operational
indicators
Real-time cash
management
Reduced
processing
costs in FX or
cross-bank
services
Smart
liquidity
analysis
Enhanced CX
with round-
the-clock
services
Intelligent
real-time
treasury
Top Commercial Banking Trends 2022 6
Company Confidential © Capgemini 2021. All rights reserved |
CASH-FLOW FORECASTING OFFERS CORPORATE CLIENTS
ACTIONABLE INSIGHTS TO FUEL GROWTH
Banks are leveraging
intelligent automation to
enhance cash-flow forecasting
to help clients make informed
business decisions.
Top Trends in Commercial Banking for 2022 by Capgemini
Smart
cash-flow
forecasting
Better customer
engagement
Example: customized
products and pricing
Enhanced
account
management
Example:
segregating
profitable and
non-profitable
portfolios
Accurate
advisory
services
Example: harvesting
rich business data
to advise clients on
business decisions
Top Commercial Banking Trends 2022 7
Company Confidential © Capgemini 2021. All rights reserved |
FINTECHS ARE ORCHESTRATING COMMERCIAL BANKING ECOSYSTEMS
AND BUILDING B2B SUPER APPS
After disrupting payments and retail banking, agile new-age players are shaking up corporate financial institutions.
Top Trends in Commercial Banking for 2022 by Capgemini
Ecosystem by other
new-age players
Ecosystem by incumbents
Zoho is not unique
to the Stripe
ecosystem.
It provides
accounting services
in different
ecosystems
TillyPay
Payment
and transfer
services
Causal
ERP
services
Hubspot
CRM
services
MakePlans
administrative
services
Zoho
Accounting
services for
businesses
Octobat
tax
services
Stripe collaborates with different
players to provide multiple services
through its marketplace to businesses
B2B Ecosystem
by Stripe
Standard Chartered, ICICI Bank
Starling Bank
Top Commercial Banking Trends 2022 8
Company Confidential © Capgemini 2021. All rights reserved |
HYPER-FLEXIBLE ALTERNATIVE LENDERS GIVE MSME LOANS A
DRAMATIC MAKEOVER
Top Trends in Commercial Banking for 2022 by Capgemini
Low risk: Non-binding offers
without pledging assets.
For instance,
Auxmoney, Kapilendo.
Personalized: Flexible terms,
repayment to fit
cash-flow cycles.
Examples:
Funding Circle, Lendico
24/7 on-demand, faster, and
seamless:
application to payout.
Examples:
creditshelf, Teylor
Flexibility in
structuring
products
Fully
digitalized
process
Collateral-free
loans
With easy to use, fast, and efficient
tech-based offerings, alternative
lending players are meeting the
pent-up demand of small to
medium-sized enterprises
Top Commercial Banking Trends 2022 9
Company Confidential © Capgemini 2021. All rights reserved |
SIMPLIFIED, LOW-PAPER BUSINESS PROCESSES ARE POWERING
BACK-OFFICE TRANSFORMATION
Top Trends in Commercial Banking for 2022 by Capgemini
AI-powered optical character
recognition is redefining is
redefining the middle and
back-office experience
 Efficient data management
 Reduction in fraud rates
 Lower processing costs
 Shorter throughput times
 Ease of use
 Transparency
 Accessibility
Top Commercial Banking Trends 2022 10
Company Confidential © Capgemini 2021. All rights reserved |
COMMERCIAL LENDERS ARE LEVERAGING ALTERNATIVE DATA TO
OPTIMIZE CREDIT DECISIONS
With an abundance of data and access to
newer technologies, commercial banks
are weaving analytics and alternate data
into their lending suite of services.
Top Trends in Commercial Banking for 2022 by Capgemini
Faster and
efficient credit
decisions
Intelligent
data enabling
customized
and profitable
lending
Improved
fraud
detection
ALTERNATE
DATA
Top Commercial Banking Trends 2022 11
Company Confidential © Capgemini 2021. All rights reserved |
SUSTAINABLE FINANCE OFFERINGS TO BOOST LOW-CARBON
ECONOMY
Top Trends in Commercial Banking for 2022 by Capgemini
5+ years
First 1–2 years Next 2–5 years
ESG CHAMPION
ESG considerations in all facets
BARE MINIMUM
Compliance and competition induced
ADVISORY
Opportunity-oriented approach advising
clients in transition
Earnings potential: Low with only optimized
operations and basic adherence to ESG standards
Earnings potential: Medium with ability to gain
from customized financing by guiding clients
Earnings potential: Very high with optimized
carbon-neutral operations while also guiding
businesses in their transition to green projects
Earnings
potential
Time
Banks are ramping up their sustainability initiatives to steer clear of regulations and competition while unearthing
monetization opportunities and building a green image.
Top Commercial Banking Trends 2022 12
Company Confidential © Capgemini 2021. All rights reserved |
SMART CONTRACTS WILL ENHANCE REAL-TIME TRADE AND
SETTLEMENT FUNCTIONS
Banks are working to reduce
significant delays while
securing contract delivery to
beef up real-time trade and
settlement workflows.
Top Trends in Commercial Banking for 2022 by Capgemini
Shorter
turnaround
cycles with
real-time
execution
Higher
transparency
and traceability
Smart
contracts
powered by
blockchain
Easier
integration and
interoperability
This presentation contains information that may be privileged or confidential
and is the property of the Capgemini Group.
Copyright © 2021 Capgemini. All rights reserved.
Capgemini is a global leader in partnering with companies to transform and manage their
business by harnessing the power of technology. The Group is guided everyday by its purpose of
unleashing human energy through technology for an inclusive and sustainable future. It is a
responsible and diverse organization of 270,000 team members in nearly 50 countries. With its
strong 50 year heritage and deep industry expertise, Capgemini is trusted by its clients to
address the entire breadth of their business needs, from strategy and design to operations,
fuelled by the fast evolving and innovative world of cloud, data, AI, connectivity, software,
digital engineering and platforms. The Group reported in 2020 global revenues of €16 billion.
About Capgemini Elias Ghanem
Global Head of Financial Services
Market IntelligenceCapgemini
elias.ghanem@capgemini.com
Chirag Thakral
Deputy Head of Financial Services
Market Intelligence teamCapgemini
chirag.thakral@capgemini.com
Vivek Singh
Banking and Capital Markets Leader,
Global FS Market Intelligence
vivek-kumar.singh@capgemini.com
Vaibhav Pandey
Manager, Retail Banking and FinTech
Market Intelligence, Financial Services
vaibhav.a.pandey@capgemini.com
Get the Future You Want | www.capgemini.com

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Commercial Banking Trends book 2022

  • 2. Top Commercial Banking Trends 2022 2 Company Confidential © Capgemini 2021. All rights reserved | TOP COMMERCIAL BANKING TRENDS 2022 – PRIORITY MATRIX Priority of adoption refers to the criticality of a particular trend to create maximum value in 2022. We based the rating on identified trends for a large to mid-size commercial bank operating in the current environment. Business impact represents the influence of a trend on a bank’s business in 2022, such as customer experience, operational excellence, regulatory compliance, or profitability.  Low-interest rates  New operating models triggered by COVID-19  Intense competitive environment and increased focus on customer centricity due to new-age players  Operational cost overruns and high capital lock-in  Dynamic regulatory environment. This will vary for a specific bank depending on their business priorities, geographic location, and several other factors. For specific requirements, please contact banking@capgemini.com Top Trends in Commercial Banking for 2022 by Capgemini Enabling experiential banking 1 Goodbye business banking; Hello business of experience 2 Commercial banking game-changers: Keep your eyes on as-a-Service models End-to-end transformation 3 Real-time treasury management to bolster competitive advantage 4 Cash-flow forecasting offers corporate clients actionable insights to fuel growth Market disruption 5 Fintechs orchestrating commercial banking ecosystems and building B2B super apps 6 Hyper-flexible alternative lenders give SME loans a dramatic makeover Process optimization 7 Simplified, low-paper business processes are powering back-office transformation 8 Commercial lenders are leveraging alternative data to optimize credit decisions New horizons/industry evolution 9 Sustainable finance offerings to boost low-carbon economy 10 Smart contracts will enhance real-time trade and settlement functions Adoption priority (2022) Business impact (2022) Medium High Significant Medium High Significant 9 4 2 8 5 3 7 10 1 6 The matrix represents the perspective of Capgemini analysts for banks in the current operating environment.
  • 3. Top Commercial Banking Trends 2022 3 Company Confidential © Capgemini 2021. All rights reserved | GOODBYE BUSINESS BANKING; HELLO BUSINESS OF EXPERIENCE Simplifying business processes using intelligent automation for superior front-end user experience becomes a necessity for banks. Top Trends in Commercial Banking for 2022 by Capgemini Flag potential friction by mapping processes, customer journeys, and information flow Build complementary strengths in- house or with collaboration Define success and prioritize expectations, objectives Adapt
  • 4. Top Commercial Banking Trends 2022 4 Company Confidential © Capgemini 2021. All rights reserved | COMMERCIAL BANKING GAME-CHANGERS: KEEP YOUR EYES ON AS-A-SERVICE MODELS Top Trends in Commercial Banking for 2022 by Capgemini AS-A-SERVICE Increased scope of hyper-personalization Real-time consolidated business data Enhanced transparency and improved control factors Scalable, agile, and economical platformification with monetization opportunities Platformification aiding new models will help commercial banks move from a one-size-fits-all approach to a collaborative process that engages existing clients and increases acquisition.
  • 5. Top Commercial Banking Trends 2022 5 Company Confidential © Capgemini 2021. All rights reserved | REAL-TIME TREASURY MANAGEMENT TO BOLSTER COMPETITIVE ADVANTAGE The evolution of real-time payments is leading to treasurers envisioning automated functionalities to drive efficiency in operations. Top Trends in Commercial Banking for 2022 by Capgemini Enhanced monitoring of operational indicators Real-time cash management Reduced processing costs in FX or cross-bank services Smart liquidity analysis Enhanced CX with round- the-clock services Intelligent real-time treasury
  • 6. Top Commercial Banking Trends 2022 6 Company Confidential © Capgemini 2021. All rights reserved | CASH-FLOW FORECASTING OFFERS CORPORATE CLIENTS ACTIONABLE INSIGHTS TO FUEL GROWTH Banks are leveraging intelligent automation to enhance cash-flow forecasting to help clients make informed business decisions. Top Trends in Commercial Banking for 2022 by Capgemini Smart cash-flow forecasting Better customer engagement Example: customized products and pricing Enhanced account management Example: segregating profitable and non-profitable portfolios Accurate advisory services Example: harvesting rich business data to advise clients on business decisions
  • 7. Top Commercial Banking Trends 2022 7 Company Confidential © Capgemini 2021. All rights reserved | FINTECHS ARE ORCHESTRATING COMMERCIAL BANKING ECOSYSTEMS AND BUILDING B2B SUPER APPS After disrupting payments and retail banking, agile new-age players are shaking up corporate financial institutions. Top Trends in Commercial Banking for 2022 by Capgemini Ecosystem by other new-age players Ecosystem by incumbents Zoho is not unique to the Stripe ecosystem. It provides accounting services in different ecosystems TillyPay Payment and transfer services Causal ERP services Hubspot CRM services MakePlans administrative services Zoho Accounting services for businesses Octobat tax services Stripe collaborates with different players to provide multiple services through its marketplace to businesses B2B Ecosystem by Stripe Standard Chartered, ICICI Bank Starling Bank
  • 8. Top Commercial Banking Trends 2022 8 Company Confidential © Capgemini 2021. All rights reserved | HYPER-FLEXIBLE ALTERNATIVE LENDERS GIVE MSME LOANS A DRAMATIC MAKEOVER Top Trends in Commercial Banking for 2022 by Capgemini Low risk: Non-binding offers without pledging assets. For instance, Auxmoney, Kapilendo. Personalized: Flexible terms, repayment to fit cash-flow cycles. Examples: Funding Circle, Lendico 24/7 on-demand, faster, and seamless: application to payout. Examples: creditshelf, Teylor Flexibility in structuring products Fully digitalized process Collateral-free loans With easy to use, fast, and efficient tech-based offerings, alternative lending players are meeting the pent-up demand of small to medium-sized enterprises
  • 9. Top Commercial Banking Trends 2022 9 Company Confidential © Capgemini 2021. All rights reserved | SIMPLIFIED, LOW-PAPER BUSINESS PROCESSES ARE POWERING BACK-OFFICE TRANSFORMATION Top Trends in Commercial Banking for 2022 by Capgemini AI-powered optical character recognition is redefining is redefining the middle and back-office experience  Efficient data management  Reduction in fraud rates  Lower processing costs  Shorter throughput times  Ease of use  Transparency  Accessibility
  • 10. Top Commercial Banking Trends 2022 10 Company Confidential © Capgemini 2021. All rights reserved | COMMERCIAL LENDERS ARE LEVERAGING ALTERNATIVE DATA TO OPTIMIZE CREDIT DECISIONS With an abundance of data and access to newer technologies, commercial banks are weaving analytics and alternate data into their lending suite of services. Top Trends in Commercial Banking for 2022 by Capgemini Faster and efficient credit decisions Intelligent data enabling customized and profitable lending Improved fraud detection ALTERNATE DATA
  • 11. Top Commercial Banking Trends 2022 11 Company Confidential © Capgemini 2021. All rights reserved | SUSTAINABLE FINANCE OFFERINGS TO BOOST LOW-CARBON ECONOMY Top Trends in Commercial Banking for 2022 by Capgemini 5+ years First 1–2 years Next 2–5 years ESG CHAMPION ESG considerations in all facets BARE MINIMUM Compliance and competition induced ADVISORY Opportunity-oriented approach advising clients in transition Earnings potential: Low with only optimized operations and basic adherence to ESG standards Earnings potential: Medium with ability to gain from customized financing by guiding clients Earnings potential: Very high with optimized carbon-neutral operations while also guiding businesses in their transition to green projects Earnings potential Time Banks are ramping up their sustainability initiatives to steer clear of regulations and competition while unearthing monetization opportunities and building a green image.
  • 12. Top Commercial Banking Trends 2022 12 Company Confidential © Capgemini 2021. All rights reserved | SMART CONTRACTS WILL ENHANCE REAL-TIME TRADE AND SETTLEMENT FUNCTIONS Banks are working to reduce significant delays while securing contract delivery to beef up real-time trade and settlement workflows. Top Trends in Commercial Banking for 2022 by Capgemini Shorter turnaround cycles with real-time execution Higher transparency and traceability Smart contracts powered by blockchain Easier integration and interoperability
  • 13. This presentation contains information that may be privileged or confidential and is the property of the Capgemini Group. Copyright © 2021 Capgemini. All rights reserved. Capgemini is a global leader in partnering with companies to transform and manage their business by harnessing the power of technology. The Group is guided everyday by its purpose of unleashing human energy through technology for an inclusive and sustainable future. It is a responsible and diverse organization of 270,000 team members in nearly 50 countries. With its strong 50 year heritage and deep industry expertise, Capgemini is trusted by its clients to address the entire breadth of their business needs, from strategy and design to operations, fuelled by the fast evolving and innovative world of cloud, data, AI, connectivity, software, digital engineering and platforms. The Group reported in 2020 global revenues of €16 billion. About Capgemini Elias Ghanem Global Head of Financial Services Market IntelligenceCapgemini elias.ghanem@capgemini.com Chirag Thakral Deputy Head of Financial Services Market Intelligence teamCapgemini chirag.thakral@capgemini.com Vivek Singh Banking and Capital Markets Leader, Global FS Market Intelligence vivek-kumar.singh@capgemini.com Vaibhav Pandey Manager, Retail Banking and FinTech Market Intelligence, Financial Services vaibhav.a.pandey@capgemini.com Get the Future You Want | www.capgemini.com

Hinweis der Redaktion

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