麦肯锡：2025年规模化简化助力银行业生产力提升研究报告（英文版）

For a bank, improving productivity means reducing the unit quantity of work required. This measurement and the related costs for banking products have increased for the past decade or so because of increased complexity and process inefficiencies. For example, the average cost to originate a mortgage has risen 8 percent a year, from about $5,100 in 2012 to about $11,600 in 2023.1 Beyond inflationary effects, this steady rise was driven by the increasing work that needs to go into a mortga