凯捷Capgemini：2025年世界零售银行报告（英文版）

The retail banking landscape is evolving faster than ever with technological advancements and changing customer expectations. Traditional branch models are being replaced by smart-financial ecosystems that leverage mobile banking, artificial intelligence (AI) and generative AI, data analytics, and cross-industry collaboration to provide seamless, personalized experiences that go beyond what we would traditionally associate with banking. New-age players have emerged as trusted institutions, excel