Gartner -金融服务数字化商业战略和创新入门（英）-2022-9正式版.docx

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1、GartnerGartner for IT LeadersFinancial Services DigitalBusiness Strategy and Innovation Primer for 2022Sham GillVP AnalystNicole SturgillVP AnalystFinancial services CIOs face continuing volatility, requiring them to master a new set of rules for digital business and innovation. Banking, investment

2、and insurance CIOs can use Gartner insights to guide their digital business strategy and innovation plans in 2022.Nicole Sturgill . Sham GillJ VP AnalystVP AnalystPublished 4 February 2022 ID G00758928ScopeThis initiative helps banking, investment services and insurance firms identify the appropriat

3、e business and operating models, and choose the technologies to support those models.Topics in this initiative include: Banking and Investment Digital Business Strategy and Innovation: Reimagine business and operating models with new and emerging technologies to disrupt yourself and stay ahead of co

4、mpetition. Insurance Digital Business Strategy and Innovation: Create a comprehensive digital strategy that enables the company to remain relevant to customers in light of new social, technological, economic, environmental, political and legal challenges.AnalysisBusiness growth is an expectation amo

5、ng CEOs in banking, investment services and insurance, and all eyes are on the CIO to deliver enhanced technology capabilities to enable a fast return to that growth.In 2022, financial services CIOs will need to focus their attention on delivering quantifiable value from their investments through a

6、coherent innovation process that will move technology from the lab to production in an agile yet orderly way. Quickly weaving together an array of composable technology and architectural capabilities, such as customer experience (CX), data and analytics, APIs and automation on cloud platforms will b

7、ecome of paramount importance. As CIOs seek to scale innovation and digital initiatives through an increasing number of internal and external partners to support transformation, it will lead them to question the traditional nature oftheir role and the IT function.TopicsSuccess in financial services

8、requires IT to reimagine the future of the organization. More than ever before, banking, investment and insurance CIOs must become the primary advisors within their enterprises on how digital strategy and innovation can support business goals, particularly to remain competitive and generate quantifi

9、able value.To help CIOs achieve these goals, Gartner delivers comprehensive insights. This initiative targets two groups: banking and investment services CIOs, and life and P&C insurance CIOs.Figure 1: Financial Services Digital Business Strategy and Innovation OverviewFinancial Services Digital Bus

10、iness Strategy and InnovationSource: GartnerOur research in this area addresses the following topics:0，Banking and Investment Digital Business Strategy and InnovationBanking-specific ecosystems, cross-industry partnerships, composability principles and emerging technologies are converging to create

11、new industryspecific opportunities. To fully exploit these opportunities, banks will need to find new ways to scale innovation and digital initiatives through an ever-growing number of stakeholders. They will need to ensure that the IT strategy is fully aligned to the business strategy and have clea

12、rly defined measurements for success.Questions Your Peers Are Asking How do I create a digital strategy that aligns with organizational goals to increase revenue, reduce costs and mitigate risk across the banking, wealth and asset management value chain? How do I engage with fintechs to innovate? Ho

13、w can data, analytics and business intelligence be used to grow our business and mitigate risks? How do I create a payments strategy to address changing customer needs? What are the use cases and best practices for creating a technology strategy to support digital currencies/assets (such as cryptocu

14、rrency, nonfungible tokens, central bank digital currency CBDC and stablecoins)?Planned Research How financial services firms are accelerating digital initiatives in response to environmental, social and corporate governance factors The KPIs to measure the success of digital initiatives in banking A

15、 framework for collaborating with fintechs New payment strategies to accelerate digital transformation A comparison of open API approaches that banks are employing to implement banking as a serviceInsurance Digital Business Strategy and InnovationAs previous digital differentiators become table stak

16、es, insurers need to find new strategies to distinguish themselves from competitors and gain a competitive advantage to support growth. Insurance enterprises must invest in and improve their digital capability, spark innovation and identify new ways of solving problems through internal and ecosystem

17、 partner-led initiatives.Questions Your Peers Are Asking Which digital initiatives should I accelerate to meet the need for business model transformation? How do I build a composable digital platform to be prepared for future life and P&C insurance business models? What impact will insurtechs have o

18、n the future of insurance? How do the impacts and returns of our life and P&C insurance technology investments compare to those of our peers? How can data, analytics and business intelligence be used to grow our business and mitigate claims and underwriting risks?Planned Research Top trends in CX fo

19、r digital insurance How CIOs can design technology strategy to engender financial empowerment for customers Designing business-outcome-driven digital business KPIs Vendor landscape guides for policy administration systems in North America and Europe How financial services firms are accelerating digi

20、tal initiatives in response to environmental, social and corporate governance factorsTo view all research and much more, become a client.Suggested First StepsBanking Accelerate Financial Ecosystems to Keep Up With Digital Giants Use Banking Industry Scenarios to Generate New Value in the Digital Pla

21、tform Age 2022 CIO and Technology Executive Agenda: A Banking and Investment Perspective How CIOs Can Support HNW Millennials in the U.S. The Next Wave of Growth in Wealth Management Emerging Use Cases That Validate the Business Value of Open Banking Digital-Outcome-Driven Metrics for BankingInsuran

22、ce Insurance CIOs: Rethink Your Operating Models to Position for Digital Business Growth and Expansion Quick Answer: Insurance as a Service What Is It, and Why Should CIOs Care? 2022 CIO and Technology Executive Agenda: An Insurance Perspective Top Cross-Industry Open API Trends for Insurance CIOs t

23、o Track in 2021 Insurance CIOs: Risk Appetite and Strategy Can Mean Higher ReturnsEssential ReadingBanking Market Guide for Digital Banking Platforms Insights for CIOs on How High-Net-Worth Clients in the U.S. Work With Wealth Management Providers How Banking and Investment Services CIOs Can Effecti

24、vely Partner With Fintechs Infographic: 18 Ways to Better Understand Your Banking Customers Bank CIOs: The Effect of Risk Appetite on Strategy and ResultsInsurance Infographic: Navigating the Insurtech Journey for Insurance Companies Elevated Customer Expectations for Digital P&C Insurance Claims De

25、mand Emerging Technology Adoption Case Study: Insurance API-Driven Digital Ecosystem Transformation (Wakam) ZhongAns Digital Dragon Collaboration: A Blueprint for the Future of Digital Insurance Insurers Must Implement Dynamic Customer Engagement to Solve the Customer Experience Dilemma 3 Best Pract

26、ices CIOs Can Use to Launch a Focused Insurance Data Monetization EffortActionable, objective insightPosition your finance organization for success. Explore these additional complimentary resources and tools for CIOs and IT leaders:eBookHow Financial Services CIOs CanBuild Leaders Digital DexterityB

27、uild digital dexterity across your financial services organization.WebinarThe Gartner Top 12 Strategic Technology Trends for 2022: BankingLeverage these trends to drive innovation and transformation.eBookI.2022 CIO Agenda: A Banking and Investment PerspectiveExplore insights that enable banking ente

28、rprises to stay ahead.ResearchAccelerating Financial Ecosystems to Combat Digital GiantsLearn how financial services CIOs can plan a competitve strategy.Download eBookWatch NowDownload eBookDownload ResearchAlready a client?Get access to even more resources in your client portal. Log InConnect With

29、UsGet actionable, objective insight to deliver on your mission-critical priorities. Our expert guidance and tools enable faster, smarter decisions and stronger performance. Contact us to become a client: U.S.: 1 855 811 7593International: +44 (0) 3330 607 044Become a ClientLearn more about Gartner f

30、or IT LeadersStay connected to the latest insights 2022 Gartner. Inc. andor its affiliates. All rights reserved. Gartner is a registered trademark of Gartner, Inc. and its affiliates. This publication may not be reproduced or distributed in any form without Gartners prior written permission. It cons

31、ists of the opinions of Gartners research organization, v/hich should not be construed as statements of fact. While the Informauon contained in this publication has been obtained from sources believed to be reliable. Gartner disclaims all warranties as to the accuracy, completeness or adequacy of su

32、ch information. Although Gartner research may address legal and financial issues, Gartner does not provide legal or investment advee and its research should not be construed or used as such. Your access and use of this publication are governed by Gartners Usage PoKcy. Gartner prides itself on its reputation for independence and objectivity. II organization without input or influence from any third party. For further information, see Puiding Principles on Independence and ObjectMty.* CM_GTS_1926942