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

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1、Gartner for IT LeadersFinancial Services Digital Business Strategy and Innovation Primer for 2022Nicole SturgillSham GillVP AnalystVP AnalystFinancial Services Digital Business Strategy and Innovation Primer for 2022Financial services CIOs face continuing volatility, requiring them to master a new s

2、et of rules for digital business and innovation. Banking, investment and insurance CIOs can use Gartner insights to guide their digital business strategy and innovation plans in 2022.Nicole SturgillSham GillVP AnalystVP AnalystPublished 4 February 2022 ID G00758928Gartner for IT LeadersFollow Us on

3、LinkedInBecome a Client2Financial Services Digital Business Strategy and Innovation Primer for 2022ScopeThis initiative helps banking, investment services and insurance firms identifythe appropriate business and operating models, and choose the technologiesto support those models.Topics in this init

4、iative 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 competition. Insurance Digital Business Strategy and Innovation: Create a comprehensive digital strategy t

5、hat enables the company to remain relevant to customers in light of new social, technological, economic, environmental, political and legal challenges.Gartner for IT LeadersFollow Us on LinkedInBecome a Client3AnalysisBusiness growth is an expectation among CEOs in banking, investment services and i

6、nsurance, 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 coherent innovation process that will move te

7、chnology 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 become of paramount importance. As CIOs seek t

8、o 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 ofFinancial Services Digital Business Strategy and Innovation Primer for 2022Figure 1: Financial Services Digital

9、Business Strategy and Innovation OverviewFinancial Services Digital Business Strategy and InnovationalEcognomiiitcsDDigitalMaturitytheir role and the IT function.TopicsSuccess in financial services requires IT to reimagine the future of the organization. More than ever before, banking, investment an

10、d 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 quantifiable value.To help CIOs achieve these goals, Gartner delivers comprehensive insights. This initiative

11、targets two groups: banking and investment services CIOs, and life and P&C insurance CIOs.EcosystemDigitalDevelopmentStrategyandCInnovationompetiCustomervtiExperienceTehreatsDataManagementnoiPaymentstovaStrategynnISource: GartnerGartner for IT LeadersFollow Us on LinkedInBecome a Client4Our research

12、 in this area addresses the following topics:Banking and Investment Digital Business Strategy and InnovationBanking-specific ecosystems, cross-industry partnerships, composability principles and emerging technologies are converging to create new industry-specific opportunities. To fully exploit thes

13、e 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 clearly defined measurements for success.Questions Your Peers

14、 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? How can data, analytics and business intelligence be used t

15、o 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 cryptocurrency, nonfungible tokens, central bank digital currency

16、 CBDC and stablecoins)?Financial Services Digital Business Strategy and Innovation Primer for 2022Planned 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 initia

17、tives in banking A 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 serviceGartner for IT LeadersFollow Us on LinkedInBecome a Client5Insurance Digital Business

18、 Strategy and InnovationAs previous digital differentiators become table stakes, 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 innova

19、tion and identify new ways of solving problems through internal and ecosystem 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 futu

20、re life and P&C insurance business models? What impact will insurtechs have on 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 an

21、d mitigate claims and underwriting risks?Financial Services Digital Business Strategy and Innovation Primer for 2022Planned Research Top trends in CX for digital insurance How CIOs can design technology strategy to engender financial empowerment for customers Designing business-outcome-driven digita

22、l business KPIs Vendor landscape guides for policy administration systems in North America and Europe How financial services firms are accelerating digital initiatives in response to environmental, social and corporate governance factorsGartner for IT LeadersFollow Us on LinkedInBecome a Client6To v

23、iew 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 Platform Age 2022 CIO and Technology Executive Agenda: A Banking and Investment Perspective

24、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 BankingInsurance Insurance CIOs: Rethink Your Operating Models to Position for Digital Business Growth

25、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 to Track in 2021 Insurance CIOs: Risk Appetite and Strategy Can Mean Higher ReturnsFinanci

26、al Services Digital Business Strategy and Innovation Primer for 2022Essential 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 Effectively Partner W

27、ith 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 Demand Emerging

28、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 Practices CIOs Can

29、Use to Launch a Focused Insurance Data Monetization EffortGartner for IT LeadersFollow Us on LinkedInBecome a Client7Financial Services Digital Business Strategy and Innovation Primer for 2022Actionable, objective insightPosition your finance organization for success. Explore these additional compli

30、mentary resources and tools for CIOs and IT leaders:eBookHow Financial Services CIOs Can Build Leaders Digital DexterityBuild digital dexterity across your financial services organization.WebinarThe Gartner Top 12 Strategic Technology Trends for 2022: BankingLeverage these trends to drive innovation

31、 and transformation.eBook Research2022 CIO Agenda: A BankingAccelerating Financial Ecosystemsand Investment Perspectiveto Combat Digital GiantsExplore insights that enable bankingLearn how financial services CIOs canenterprises to stay ahead.plan a competitve strategy.Download eBookWatch NowDownload

32、 eBookDownload ResearchAlready a client?Get access to even more resources in your client portal. Log InGartner for IT LeadersFollow Us on LinkedInBecome a Client8Connect With UsGet actionable, objective insight to deliver on your mission-critical priorities. Our expert guidance and tools enable fast

33、er, 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 for IT LeadersStay connected to the latest insights 2022 Gartner, Inc. and/or its affiliates. All rights reserved. Gartner is a

34、 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 consists of the opinions of Gartners research organization, which should not be construed as statements of fact. While the inform

35、ation 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 such information. Although Gartner research may address legal and financial issues, Gartner does not provide legal or investmen

36、t advice and its research should not be construed or used as such. Your access and use of this publication are governed by Gartners Usage Policy. Gartner prides itself on its reputation for independence and objectivity. Its research is produced independently by its research organization without input or influence from any third party. For further information, see “Guiding Principles on Independence and Objectivity.” CM_GTS_1926942