美库尔（Merkle）：2025-2026年体验设计趋势报告：金融服务行业（英文版）

Increasing Competition Adopting the Digital Culture Intensified competition from FinTechs, new business models, regulatory pressures, and disruptive technologies, driving the need for digital transformation Shifting to a culture of innovation remains challenging, with many institutions struggling to replace manual processes and align with digital transformation goal