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Top Trends in Banking 2022 eBook
TOP TRENDS IN Top Trends
COMMERCIAL BANKING 2022 EXPERIENTIAL 1 Goodbye business banking; Hello business of experience
ENABLING
BANKING 2 Commercial banking game-changers: Keep your eyes on as-a-Service models
The 2022 scene is set for commercial firms to transition from traditional banking for business to the END-TO-END 3 Real-time treasury management to bolster competitive advantage
business of experience. As real-time payments evolve, banks will leverage intelligent automation TRANSFOR-
to enable real-time treasury management and enhance cash-flow forecasting for clients. MATION 4 Cash-flow forecasting offers corporate clients actionable insights to fuel growth
The next step for commercial banks will be to monetize digitized services through As-a-Service 5 Fintechs orchestrating commercial banking ecosystems and building B2B
models. At the same time, FinTechs will diversify the consumer banking ecosystem by MARKET super apps
collaborating with incumbents or introducing one-stop-shop super-apps for all banking needs. DISRUPTION 6 Hyper-flexible alternative lenders give SME loans a dramatic makeover
In addition, technology-enabled alternative lenders will fulfill the demands of micro, small and
medium enterprises that find qualification for traditional banking loans difficult. 7 Simplified, low-paper business processes are powering back-office
PROCESS transformation
Abundant data and access to newer technologies will power back-office transformation and OPTIMIZATION 8 Commercial lenders are leveraging alternative data to optimize credit decisions
enable commercial lenders to optimize credit decisions. Driven by stakeholders clamoring for
ESG consideration, commercial banks will continue to address sustainability. The most future- NEW HORIZONS/ 9 Sustainable finance offerings to boost low-carbon economy
focused commercial banks will explore blockchain-powered smart contracts to reduce trade INDUSTRY
and settlement cycles. EVOLUTION 10 Smart contracts will enhance real-time trade and settlement functions
Source: Capgemini Financial Services Analysis, 2021.
DOWNLOAD EXPLORE VIEW Priority Matrix
Capgemini Top Trends The trends on The full infographic
in Commercial Banking slideshare
Significant 9 4 2
2022 brochure
ADOPTION PRIORITY (2022) High 8 5 3 7
Medium 10 1 6
Medium High Significant
For more information or a private presentation on Top Trends in BUSINESS IMPACT (2022)
Commercial Banking 2022, contact us at financialservices@capgemini.com
Source: Capgemini Financial Services Analysis, 2021.
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