Abathathi-nxaxheba beSibos bakhankanya imiqobo yokulawula, izithuba zezakhono, iindlela zokusebenza ezidlulileyo, iteknoloji yelifa kunye neenkqubo eziphambili, ubunzima bokukhupha kunye nokuhlalutya idatha yabathengi njengemiqobo kwizicwangciso ezinesibindi zokuguqulwa kwedijithali.

Ngexesha losuku lokuqala oluxakekileyo lokubuyela eSibos, isiqabu sokuphinda siqhagamshele emntwini kunye neengcinga ezigqwethekileyo koontanga zazibonakala njengoko amaziko emali ayehlanganisene kwiziko lendibano le-RAI laseAmsterdam.

Ukufumana ukuqonda kokwenyani malunga nokuba iibhanki zicinga ntoni ngabo, iPublicis Sapient yaphehlelela iGlobal Banking benchmark Study 2022, ebonisa ukuba uninzi lweebhanki zenze inkqubela ephakathi kwezi nyanga zili-12 zidlulileyo, zibeke uxinzelelo kubo ukuba baqinise iinzame zabo zokuguqula idijithali, utshilo. U-Sudeepto Mukherjee, i-VP ephezulu ye-EMEA kunye ne-APAC kunye nebhanki kunye ne-inshurensi ehamba phambili ye-Publicis Sapient.

Kwiinkokheli zebhanki eziphezulu ze-1000 + eziphononongwayo, i-54% iseza kwenza inkqubela phambili ebalulekileyo ekuphumezeni izicwangciso zabo zenguqu yedijithali, ngelixa i-20% ingxelo enemodeli yokusebenza egugile ngokupheleleyo.

Olu phando lukwabonisa ukuba i-70% yabaphathi be-C-level bakholelwa ukuba bangaphambili kukhuphiswano xa kuziwa ekwenzeni amava abathengi, xa kuthelekiswa ne-40% kuphela yabaphathi abakhulu.Ngokufanayo, i-64% yabaphathi be-C-suite bakholelwa ukuba bangaphambi kokhuphiswano xa kuziwa ekusetyenzisweni kweteknoloji entsha, xa kuthelekiswa ne-43% yabaphathi abakhulu, i-63% yabaphathi be-C-level bathi bangaphambili koontanga babo ekuphuhliseni ezikhoyo. italente yokuphucula inguqu yedijithali, xa kuthelekiswa ne-43% yabaphathi abaphezulu.U-Mukherjee ukholelwa ukuba iibhanki kufuneka zilungelelanise lo mahluko kwimbono yokunceda ukucacisa iindawo ezizayo zokugxila.

Ukujonga abaqhubi abaphambili benguqu, iibhanki zikhomba isidingo sokuhlala phambi kwabantu okhuphisana nabo, okubandakanya iinkonzo zezemali zelifa kunye noogxa beebhanki zedijithali zokuqala kunye namashishini afana ne-Apple athe angena ebhankini asuka kwitekhnoloji, unxibelelwano, kunye nokuthengisa. amacandelo.Isidingo sokuhlangabezana nokulindelwa kwabathengi abaguquka ngokukhawuleza, ngoku bahlala bebekwe ziinkampani ezingaphandle kweenkonzo zezemali, nayo ingumqhubi omkhulu.

Nangona iibhanki zineminqweno enesibindi yokuguqulwa kwedijithali, uphando lufumana imiqobo emininzi, kubandakanywa imiqobo yokulawula, izithuba zezakhono, iindlela zokusebenza eziphelelwe yisikhathi, iteknoloji yelifa kunye neenkqubo eziphambili, kunye nobunzima bokukhupha kunye nokuhlalutya idatha yabathengi.

"Eyona nto inomdla kum yayiyi-paradox: Iibhanki zithi zifuna ukwenza undoqo, zifuna ukufumana yonke idatha, kodwa ke azithethi ngendawo enzima," utshilo uMukherjee.“Kufuneka utshintshe inkcubeko, kufuneka uphucule kwaye uphucule isakhono sakho, kufuneka ubeke okuninzi kwisiseko.Bathetha ngezinto eziza kulandela, kodwa izinto ezinzima zezinye zezi zinto zingabonakaliyo. "U-Mukherjee ukholelwa ukuba iibhanki kufuneka ziziphathe ngakumbi njenge-fintechs ukukhangela izinto ezingabonakaliyo kunye nokuyeka ukubona ukusilela kwangaphambili njengomqobo kwinguqu yedijithali yexesha elizayo.