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Top Trends in
Commercial Banking: 2020
December 2019
Link: https://www.capgemini.com/top-
trends-in-2020/
2© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Source: Capgemini Financial Services Analysis, 2019
Intelligent bank
Deep customer insights
Data-driven compliance Emerging technologies help banks heighten cybersecurity effortsTREND 6
Banks use Artificial Intelligence (AI) for anti-money laundering (AML) complianceTREND 5
Virtual accounts help corporations self-manage transactions efficientlyTREND 4
Banks adopt cloud services to increase operational efficiency and scalabilityTREND 3
Banks adopt blockchain technology to make cross-border trade efficientTREND 1
Real-time payments drive cash and liquidity managementTREND 2
Open bank
Banks collaborate with FinTechs to serve small- and mid-size enterprises betterTREND 8
Banks build developer portals as part of Open X adoptionTREND 7
Top Trends in Commercial Banking for 2020 by Capgemini
3© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Source: Capgemini Financial Services Analysis, 2019
Trade finance
blockchain
consortia
Voltron
Marco
Polo
Batavia
We.Trade
HKTFP
Automation improves
operational efficiency
Real-time
communication and
tracking of goods
Implications
Payments settled
faster
Better transparency
reduces fraud/default
risks
Transactional costs
reduced -
intermediaries
eliminated
Trend 1: Banks adopt blockchain technology to make cross-border trade efficient
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
4© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Real-time payments drivers
Corporate clients’ intraday liquidity
requirements estimated manually
Reusing internal liquidity
is inefficient
Inability to mobilize and manage
cash
Existing payment mechanisms have
longer clearing windows
Implications
Real-time methods improve cash and
liquidity management
Predictive balances can ease
clients’ liquidity issues
Personalized short-term credit offers
at tailored price points
Source: Capgemini Financial Services Analysis, 2019
4© Capgemini 2019. All rights reserved |
Trend 2: Real-time payments drive cash and liquidity management
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
5© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Source: Capgemini Financial Services Analysis, 2019
Access to a shared pool of
configurable computing
resources can increase a bank’s
ability to innovate by enhancing
agility, efficiency, and productivity
Efficient cloud solutions can ease
traditional technology risks, such
as capacity, redundancy, and
resiliency concerns.
Traditional IT infrastructure capex
investment reduced as banks more
efficiently manage computing
capacity to satisfy client demand
Agile
innovation
Risk
mitigation
Cost
benefits
Trend 3: Banks adopt cloud services to increase operational efficiency and scalability
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
6© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Corporate treasury and accounting
departments struggle with inefficient cash
management methods
Corporate clients seek greater control over
their money with quick access to
receivables while extending payables
In an experience-driven ecosystem, virtual
account management (VAM) services are a
differentiating value proposition for banks
VAM services can be s a source of non-
interest income, especially in an era
characterized by shrinking interest income.
6© Capgemini 2019. All rights reserved |
Banks can access
valuable structured
client data, which
they can then
analyze to generate
business insights
Source: Capgemini Financial Services Analysis, 2019
Trend 4: Virtual accounts help corporations self-manage transactions efficiently
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
7© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
US$800
billion to
$2 trillion
US$26
billion
Estimated money
laundered annually
(in current US$)
Penalties collected by
regulators in the last
decade for AML/KYC
violations
Source: 1) Capgemini Financial Services Analysis, 2019
2) UNODC, “Money-Laundering and Globalization,” https://www.unodc.org/unodc/en/money-laundering/globalization.html, accessed October 2019.
3) Fenergo press release, “Global AML/KYC & Sanction Fines,” September 26, 2018, https://www.fenergo.com/aml-kyc-sanction-fines.
Implications
Fewer false positives drive
up operational efficiency
Increased effectiveness
bolsters regulatory
compliance
High scalability with less
human intervention
7© Capgemini 2019. All rights reserved |
Trend 5: Banks use AI for anti-money laundering compliance
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
8© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Biometrics
Blockchain
Artificial
intelligence
Incorporate a digital and physical
dimension to customer authentication,
making it difficult for cyber criminals to
replicate customer data
Inherent features augment security:
data immutability, built-in
transactions’ audit trail, greater
transparency
Detects breaches more accurately
and at lower costs; responds to
breaches faster
Source: Capgemini Financial Services Analysis, 2019
8© Capgemini 2019. All rights reserved |
Banks that
leverage new
technology and
innovations
can boost
brand
reputation and
client trust
Trend 6: Emerging technologies help banks heighten cybersecurity efforts
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
9© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Enable a seamless
and integrated
experience for
commercial clients
Enhance client
experience
and loyalty
Portals are a cost-
effective and
speedy path to
innovation
Catalyst for banks
to fill key positions
in the future
ecosystem
Source: Capgemini Financial Services Analysis, 2019
Future-focused banks are turning regulatory
compliance into a strategic competitive
advantage that balances compliance costs with
new market opportunities and revenue streams
Trend 7: Banks build developer portals as part of Open X adoption
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
10© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019
Implications for
FinTechs
Fast turnaround time and
minimum documentation
Flexible and competitive
interest rates
Loan repayment flexibility
Relaxed credit profiling
Implications for
Commercial Banks
More cross-selling and up-
selling opportunities by
iterating and expanding
product offerings to
middle-market business
customers
Banks can focus on core
offerings while
simultaneously offering
innovative and digital
products and services to
corporate clients through
FinTechs.
Source: Capgemini Financial Services Analysis, 2019
Top Trends in Commercial Banking for 2020 by Capgemini
Intelligent
Bank
Open
Banking
Deep
Customer
Insights
Data-
Driven
Compliance
Trend 8: Bank/FinTech partnerships pay off in new services for small and medium
businesses
A global leader in consulting, technology services and digital transformation,
Capgemini is at the forefront of innovation to address the entire breadth of clients’
opportunities in the evolving world of cloud, digital and platforms. Building on its
strong 50-year heritage and deep industry-specific expertise, Capgemini enables
organizations to realize their business ambitions through an array of services from
strategy to operations. Capgemini is driven by the conviction that the business
value of technology comes from and through people. It is a multicultural company
of over 200,000 team members in more than 40 countries. The Group reported
2018 global revenues of EUR 13.2 billion.
About Capgemini
Learn more about us at
www.capgemini.com
This message contains information that may be privileged or confidential and is
the property of the Capgemini Group.
Copyright© 2019 Capgemini. All rights reserved.
People matter, results count.

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Top Trends in Commercial Banking: 2020

  • 1. Top Trends in Commercial Banking: 2020 December 2019 Link: https://www.capgemini.com/top- trends-in-2020/
  • 2. 2© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Source: Capgemini Financial Services Analysis, 2019 Intelligent bank Deep customer insights Data-driven compliance Emerging technologies help banks heighten cybersecurity effortsTREND 6 Banks use Artificial Intelligence (AI) for anti-money laundering (AML) complianceTREND 5 Virtual accounts help corporations self-manage transactions efficientlyTREND 4 Banks adopt cloud services to increase operational efficiency and scalabilityTREND 3 Banks adopt blockchain technology to make cross-border trade efficientTREND 1 Real-time payments drive cash and liquidity managementTREND 2 Open bank Banks collaborate with FinTechs to serve small- and mid-size enterprises betterTREND 8 Banks build developer portals as part of Open X adoptionTREND 7 Top Trends in Commercial Banking for 2020 by Capgemini
  • 3. 3© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Source: Capgemini Financial Services Analysis, 2019 Trade finance blockchain consortia Voltron Marco Polo Batavia We.Trade HKTFP Automation improves operational efficiency Real-time communication and tracking of goods Implications Payments settled faster Better transparency reduces fraud/default risks Transactional costs reduced - intermediaries eliminated Trend 1: Banks adopt blockchain technology to make cross-border trade efficient Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 4. 4© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Real-time payments drivers Corporate clients’ intraday liquidity requirements estimated manually Reusing internal liquidity is inefficient Inability to mobilize and manage cash Existing payment mechanisms have longer clearing windows Implications Real-time methods improve cash and liquidity management Predictive balances can ease clients’ liquidity issues Personalized short-term credit offers at tailored price points Source: Capgemini Financial Services Analysis, 2019 4© Capgemini 2019. All rights reserved | Trend 2: Real-time payments drive cash and liquidity management Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 5. 5© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Source: Capgemini Financial Services Analysis, 2019 Access to a shared pool of configurable computing resources can increase a bank’s ability to innovate by enhancing agility, efficiency, and productivity Efficient cloud solutions can ease traditional technology risks, such as capacity, redundancy, and resiliency concerns. Traditional IT infrastructure capex investment reduced as banks more efficiently manage computing capacity to satisfy client demand Agile innovation Risk mitigation Cost benefits Trend 3: Banks adopt cloud services to increase operational efficiency and scalability Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 6. 6© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Corporate treasury and accounting departments struggle with inefficient cash management methods Corporate clients seek greater control over their money with quick access to receivables while extending payables In an experience-driven ecosystem, virtual account management (VAM) services are a differentiating value proposition for banks VAM services can be s a source of non- interest income, especially in an era characterized by shrinking interest income. 6© Capgemini 2019. All rights reserved | Banks can access valuable structured client data, which they can then analyze to generate business insights Source: Capgemini Financial Services Analysis, 2019 Trend 4: Virtual accounts help corporations self-manage transactions efficiently Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 7. 7© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 US$800 billion to $2 trillion US$26 billion Estimated money laundered annually (in current US$) Penalties collected by regulators in the last decade for AML/KYC violations Source: 1) Capgemini Financial Services Analysis, 2019 2) UNODC, “Money-Laundering and Globalization,” https://www.unodc.org/unodc/en/money-laundering/globalization.html, accessed October 2019. 3) Fenergo press release, “Global AML/KYC & Sanction Fines,” September 26, 2018, https://www.fenergo.com/aml-kyc-sanction-fines. Implications Fewer false positives drive up operational efficiency Increased effectiveness bolsters regulatory compliance High scalability with less human intervention 7© Capgemini 2019. All rights reserved | Trend 5: Banks use AI for anti-money laundering compliance Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 8. 8© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Biometrics Blockchain Artificial intelligence Incorporate a digital and physical dimension to customer authentication, making it difficult for cyber criminals to replicate customer data Inherent features augment security: data immutability, built-in transactions’ audit trail, greater transparency Detects breaches more accurately and at lower costs; responds to breaches faster Source: Capgemini Financial Services Analysis, 2019 8© Capgemini 2019. All rights reserved | Banks that leverage new technology and innovations can boost brand reputation and client trust Trend 6: Emerging technologies help banks heighten cybersecurity efforts Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 9. 9© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Enable a seamless and integrated experience for commercial clients Enhance client experience and loyalty Portals are a cost- effective and speedy path to innovation Catalyst for banks to fill key positions in the future ecosystem Source: Capgemini Financial Services Analysis, 2019 Future-focused banks are turning regulatory compliance into a strategic competitive advantage that balances compliance costs with new market opportunities and revenue streams Trend 7: Banks build developer portals as part of Open X adoption Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance
  • 10. 10© Capgemini 2019. All rights reserved |Commercial Banking Trends 2020 | December 2019 Implications for FinTechs Fast turnaround time and minimum documentation Flexible and competitive interest rates Loan repayment flexibility Relaxed credit profiling Implications for Commercial Banks More cross-selling and up- selling opportunities by iterating and expanding product offerings to middle-market business customers Banks can focus on core offerings while simultaneously offering innovative and digital products and services to corporate clients through FinTechs. Source: Capgemini Financial Services Analysis, 2019 Top Trends in Commercial Banking for 2020 by Capgemini Intelligent Bank Open Banking Deep Customer Insights Data- Driven Compliance Trend 8: Bank/FinTech partnerships pay off in new services for small and medium businesses
  • 11. A global leader in consulting, technology services and digital transformation, Capgemini is at the forefront of innovation to address the entire breadth of clients’ opportunities in the evolving world of cloud, digital and platforms. Building on its strong 50-year heritage and deep industry-specific expertise, Capgemini enables organizations to realize their business ambitions through an array of services from strategy to operations. Capgemini is driven by the conviction that the business value of technology comes from and through people. It is a multicultural company of over 200,000 team members in more than 40 countries. The Group reported 2018 global revenues of EUR 13.2 billion. About Capgemini Learn more about us at www.capgemini.com This message contains information that may be privileged or confidential and is the property of the Capgemini Group. Copyright© 2019 Capgemini. All rights reserved. People matter, results count.