Introduction

Foreword

The financial services industry is evolving due to changing customer needs, disruptive technologies, and regulations. Banks, insurers, and wealth managers are using innovative technologies to enhance efficiency and growth. AI will transform customer experience and financial crime compliance, but responsible innovation must address trust, security, ethics, and regulation. Collaboration and the right technology choices are crucial, especially with the focus on sustainability.

Capgemini’s TechnoVision 2025: Financial Services offers a framework to help businesses navigate this technological transformation, empowering them to make informed decisions and successfully adapt.

Kartik Ramakrishnan

CEO, Financial Services SBU, Capgemini

Introduction

Technological advancements are driving daily innovation at an unprecedented pace, unlocking new possibilities in hardware and software. However, businesses must balance key factors like AI autonomy and human oversight, innovation speed and security, personalization and privacy, and technology consumption and sustainability. These priorities are critical as AI expands into areas like robotics and supply chains, creating both cybersecurity threats and defenses.

Capgemini's TechnoVision framework helps business leaders navigate this complex landscape. The 7th edition, "The Pendulum Swing," analyzes global technology trends in financial services, offering 37 trends and over 70 examples across banking and insurance to guide technology strategy. From autonomous finance to quantum-safe solutions, TechnoVision 2025: Financial Services provides actionable insights for driving transformation in the digital ecosystem.

Sudhir Pai

CTIO, Financial Services SBU

Pascal Brier

Group Chief Innovation Officer

Overview of TechnoVision 2025: Financial Services

As the financial services sector continues to evolve, TechnoVision remains a valuable resource, offering a robust framework for technology practitioners for over 15 years. This FS TechnoVision handbook categorizes technology trends into six ‘containers’, providing individual snapshots of innovation from different perspectives (or the ‘what’) – ranging from user experience and collaboration, via data and process automation, all the way to infrastructure and applications. A seventh container offers a series of overarching design principles to successfully apply the trends and create transformational impact (the ‘how’). With expert insights and relevant examples, it empowers organizations to leverage technology trends to drive innovation, enhance agility, and navigate the complexities of the evolving industry landscape.

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