埃森哲：2025年及以后银行业十大发展趋势报告（英文版）

The past 25 years of digitization transformed the industry, making banking easier, cheaper and more immediate. Customers, by and large, welcomed the changes. Yet, while most banks’ mobile apps enjoy ratings1 north of 4.5 out of 5, they have become less differentiated than ever. More than 40% of consumers find it hard to distinguish between financial services brands,2 and 58% acquired at least one financial services product from a new provider “in the past 12 months”.3 Although customers still