麦肯锡：2024年从银行业的技术中释放价值：投资者视角报告（英文版）

Over the past few years, global technology spending in banking has been increasing 9 percent a year, on average, outpacing revenue growth of 4 percent. In 2023, this spending totaled $650 billion,1 which is roughly the GDP of Belgium or Sweden. Despite this significant spending, it hasn’t been easy to quantify the net benefits. Moreover, the banking sector has experienced the following challenges: — Declining productivity. Labor statistics suggest that since 2010, productivity at US banks has