资源描述：
《埃森哲-传统银行技术投资报告（英文）-2019.7.pdf》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。
1、CATERPILLARS,BUTTERFLIES,ANDUNICORNSDoesdigitalleadershipinbankingreallymatter?WINNINGINTHEDIGITALECONOMYSERIESForewordMOSTBANKERSNOWDREAMOFBECOMINGBUTTERFLIESThepromiseofdigitaltransformationisthat,withtherightmixbankingindustryandshowedthat,inmanymarkets,ofstrateg
2、icfocus,talent,creativity,andinvestmentfunding,thepredatorythreattotheslow-movingcaterpillarshasthepedestriancaterpillarofthelegacybank,withitsbranchshiftedfrompotentialtoactual,withmaterialrevenuenownetwork,decades-oldsystems,anddiversecustomerbase,migratingtonewen
3、trants.Whilethedisruptionthreatisnowcanmorphintoahigh-flying,digital-firstbank.Havingemergedrealinmanymarkets,westillhearfrommanyofourtraditionalfromwhatisoftenamulti-yearchrysalisstage,thehopeisthatbankingclientsthat,althoughtheyhavebuilttheirdigitalthisfuture-proo
4、fedinstitutioncantakeflightviaviralcustomerchrysalis,thebutterflydoesn’tseemonthebrinkofemergingacquisition,advice-drivenshareofwalletgainandsmartanytimesoon.Insteadoftransformation,thelivedexperienceecosystemcurationtocompeteeffectivelywiththoseotherofmanyofourclie
5、ntsisstilldiffusedandfragmentedchangecreaturesinthebankingmenagerie:thechallengerunicorns.effortswherethecoolkidsintheinnovationunitsbuttheadswiththerestoftheorganizationandchangeentropyconstantlyLastyear,Accenturequantifiedthemagnitudeofdisruptiondrainstheexcitemen
6、tandenergyfrommultiplewavesoftheircomingfromoutsidethetraditionalretailandcommercialdigitaltransformationprograms.2CATERPILLARS,BUTTERFLIES,ANDUNICORNS:DOESDIGITALLEADERSHIPINBANKINGREALLYMATTER?FOREWORDINTHISREPORT,WEPLACEAMAGNIFYINGGLASSquicklydoubledownongettinga
7、irborneiftheyaretosurvive.ONTHEIMPACTOFDIGITALCHANGEEFFORTS.Butifbeingamid-pacedfollowercontinuestodeliverattractiveeconomics,thenmaybetheycanjustbidetheirtimeandwaitBasically,weaskedthequestion,aredigitalbutterflieswinning?forboththebutterfliesandtheunicornstocomec
8、rashingDoesdigitalleadershipandtheabilitytoradicallytransformbackdowntoearthwhenthedigitalfrothisblownoffandtheiratraditionalbankintoadigi
