金融機関　最近の論考

不確実な時代だからこそ、世の中の変化と流れを読み解き、他社に先駆けて有効な手を打つことが競争優位性の構築につながります。本書では、序章で不確実性に対応するためのシナリオプランニングの手法を紹介し、第1章以降でBCGが重要と考える10の潮流について変化の本質と経営へのインパクトを考察し2023年にとるべきアクションを提示します。

デジタルによる機会と脅威の荒波のなかで、顧客本位のサービス業として、銀行は未来の姿をどう再定義すべきか――。本書では、デジタル技術の進化を契機として、銀行および金融業はどう進化していくべきか、サービス領域ごと、それを支えるインフラ・仕組みごとに論じています。

ブロックチェーンの潜在的な破壊力は広く知られるようになり、各事業分野でブロックチェーンがもたらす変革についての調査が始まっています。

Organic growth—not market gains—is now the key differentiator for wealth managers navigating a more competitive and uncertain environment.

Banks must move beyond pilots to redefine strategy, technology, and governance—or risk losing control of the financial landscape to faster movers.

To continue on the path to growth, asset managers must adapt to the new market forces that are reshaping the industry.

Tectonic shifts are reshaping the industry, as value migrates from traditional corporate and investment banks to nonbank financial institutions. But taking action on five priorities can position CIBs for long-term competitive advantage.

To attain the profitable growth investors want, payments companies must pivot to value.

The time is right for a full-scale technology transformation to boost profit margins and enable a new era of efficiencies.

Banks have plenty of customer data and tech expertise, but will need to balance the opportunities of generative AI against privacy, accuracy, and compliance concerns. Michael Strauss takes a look at tomorrow's opportunities.

Better risk-mitigation strategies are here for digital-currency-related products and services. Use them to safeguard your investment and reputation in the ever-changing crypto landscape.

Indonesia’s vibrant fintech industry is on the path to a remarkable future of expanding and diversifying opportunities.

The next few years could be make-or-break for some banks. If they don’t join the digital ecosystem movement, they will be consumed by it.

Saudi Arabia’s banking sector experienced a period of high profitability in 2022 and is poised for continued growth for 2023.

Financial institutions that lead on social tend to outperform. But there is no “net zero” for social—and banks are struggling to seize the opportunity.

Research from BCG and Adyen suggests that platforms are poised to solve small-business pain points—and revolutionize financial services in the process.

Sustainability is moving up the priority list for all retail bank stakeholders. What does a “sustainable” bank look like?

Hanneke Smits, CEO of BNY Mellon Investment Management, talks about how clients can still find good value through asset reallocation.

White families in the United States have a median wealth nearly 10 times greater than that of Black families. BCG Managing Director & Partner Kedra Newsom Reeves explores this racial wealth inequality, and outlines how financial institutions can support Black Americans.

A new breed of end-to-end, third-party platforms can be successfully deployed by wealth and asset managers to help them cut costs and lift revenues.

Deployed at scale, GenAI is well-poised to enhance and disrupt asset management. A GenAI strategy is needed to maximize the benefits and minimize risks.

A laser-like focus on transforming marketing for efficiency can be the elusive key to unlocking effectiveness and growth as well.

US banks will need to act quickly and decisively to prepare for significant changes in regulation.

With the right strategy and platform, banks can transform ESG data from a headache into an opportunity.

Recent failures highlight the importance of building resilient approaches to financial risk management.

With revenue growth slowing and the entire payments stack in flux, leaders cannot stand still. Winners will embrace the new fundamentals of growth and pivot their organizations now.

Permissioned decentralized finance—a blockchain-based financial technology—may finally support a cross-border payment system that is faster, cheaper, and more verifiable.

BCG’s 20th annual study of the global payments industry examines how all participants in the payments ecosystem—including acquirers, issuers, networks, wholesale transaction banks, and fintechs—can raise their game by pursuing new strategies for growth.

A clear framework outlines mechanisms and pathways that unlock more capital to ensure the climate transition is not only green but also equitable.

BMO’s Jonathan Hackett sees opportunities in bringing together traditional and catalytic capital to push the boundaries of what’s possible.

AI can play a major role in addressing the challenges that South African society faces in four key areas: healthcare, education, financial inclusion, and agriculture.

Financial institutions play a powerful role in funding global decarbonization. They can take several steps to ensure that their financing doesn’t worsen social inequity.