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BCGが読む経営の論点2022

アフターコロナを見通し、経営をさらに進化させるために何をすべきか。進展する構造変化の本質と企業経営が目指す方向性について、業界を問わず必須のポイントを提示したうえで、9つの業界の論点をより具体的に示します。

デジタル革命時代における銀行経営

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経営戦略

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。

デジタル革命時代における保険会社経営

デジタル化が進展する中、保険会社はどのように競争優位を築いていけばよいのでしょうか。戦略策定、顧客理解、商品・サービス／ビジネスモデル、チャネル、オペレーションそれぞれにおける革新といった観点から、BCG保険グループが次世代保険会社経営について考察します。

Digital

Preparing Bank Compliance for Future Complexities

As one type of global risk recedes, it’s a good time for CCOs and others with responsibility for compliance to get a clear view of the other challenges and opportunities they face.

Financial Institutions Need to Pursue Their Own Path to the Cloud

Clear signposts point to a different type of journey for financial institutions.

Non-Financial Risks Reshape Banks’ Credit Portfolios

A new study from BCG and the International Association of Credit Portfolio Managers shows how financial institutions are redefining best practice for the management of non-traditional risks.

Beethoven, Schubert, and Bank Technology Modernization

Most banks know what their technology landscape needs to look like. The question is how to execute a transformation without stalling business development for three years or more.

Annual Flagship Reports

Global Asset Management 2021: The $100 Trillion Machine

In a uniquely tumultuous year, assets under management worldwide showed strong overall growth, passing a major milestone along the way.

Global Wealth 2021: When Clients Take the Lead

Flipping the lens to look at global wealth from the perspective of client needs instead of net worth reveals huge untapped revenue pools lying in plain sight.

Global Risk 2021: Building a Stronger, Healthier Bank

Banks that fortify their core will emerge from the pandemic fitter and with the financial muscle to be a bulwark for customers and the broader community.

Global Retail Banking 2021: The Front-to-Back Digital Retail Bank

Leading banks are already organizing solution delivery around customer value streams and taking customer engagement to the next level.

Retail Banking

Racial Equity in Banking Starts with Busting the Myths

Misconceptions about Black and Latinx un/underbanked households make it hard for the financial sector to address the problem effectively.

The Sun Is Setting on Traditional Banking

The pandemic has accelerated the inevitable; the AI revolution is overtaking banking as we knew it. Banks that don’t transform stand to lose market share to faster, nimbler tech players.

Can Banks Find the Cost Savings Hiding in Plain Sight?

Savings are waiting to be tapped in many areas. Banks that take an aggressive approach to improving procurement can boost net income before taxes by 3% to 4%.

RBC’s Dave McKay on a Future-Focused Culture

Cultural transformation is difficult—but not impossible. RBC CEO Dave McKay explains how a shock to the system can deliver change.

How will financial institutions evolve? How will consumers bank ten years from now? Will digital natives redefine the landscape? Connect with us on LinkedIn to view our latest insights and share your ideas.

VISIT BCG’S FINANCIAL INSTITUTIONS PRACTICE ON LINKEDIN

Asset & Wealth Management

A Tectonic Shift of Capital Is Just Beginning: Insights from Larry Fink

Larry Fink, the chairman and CEO of BlackRock, the world’s largest asset manager, explains how the climate crisis is fundamentally reshaping his firm’s approach to investing.

Play Video

How to Reduce the Wealth Gap between Black and White Americans

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.

Managing the Next Decade of Women’s Wealth

For too long, wealth managers have looked at the women’s segment through a marketing lens. But women don’t want pink products. They want individualized service. Advisors that fail to adapt will miss out on a $93 trillion opportunity.

Solving the Pricing Puzzle in Wealth Management

Today’s leading firms achieve stronger revenue growth by treating pricing as a capability they can adjust in response to varying client needs.

Corporate Banking and Capital Markets

From Relationship Manager to Client Whisperer in Commercial Banking

The role of the relationship manager is changing. RMs are harnessing the power of data and advanced analytics to attract more new business and deliver more value to clients.

Persistence Pays Off: Insights from BCG’s Biennial Treasury Benchmarking Survey

The status quo is no longer sustainable. With bank profitability under pressure, treasurers must improve efficiency, optimize financial resource management, and fast-track digitization.

Digital Assets, Distributed Ledger Technology, and the Future of Capital Markets

How will Distributed Ledger Technology transform the future of capital markets? A new BCG report, published in partnership with the World Economic Forum, explores the path forward.

Reinventing Corporate and Investment Banks

CIBs that take action in six critical areas can dramatically improve their cost-to-income ratios and returns on equity, creating a more prosperous and sustainable future.

Payments and Transaction Banking

Five Strategies for Mobile-Payment Banking in Africa

By embracing mobile payments and related services, African banks can build their competitive advantage and take a leadership role in revitalizing their economies.

How Mobile Money Agents Can Expand Financial Inclusion

Entrepreneurs who offer banking via mobile devices could finally put financial services within reach for 1.7 billion adults around the globe.

How Cashless Payments Help Economies Grow

Because digital solutions make it easier to send and receive money, they boost economic activity. Policymakers and companies should take steps now to accelerate adoption.

Hot Topics

It’s Time for Institutional Investors to Embrace the S in ESG

Institutional investors were late to realize the alpha potential of clean tech and other environmental investments. They should avoid making the same mistake with social impact.

Seven Trends at the Frontier of Blockchain Banking

Blockchain and other distributed ledgers go far beyond cryptocurrencies. They are becoming core banking activities and offerings. These top seven DLT trends make the leading-edge possibilities accessible.

The Net-Zero Opportunity in Consumer Lending

By offering a suite of green products and services, banks can support the growing number of climate-conscious consumers—and reduce their own carbon footprints as well.

A Blueprint for Leading in Sustainable Investing

Asset managers know sustainable investing is the new standard, but finding the best approach is challenging. Firms must change their tactics or risk being left behind.

Expert Interviews

The Role of Microcredit in the Age of COVID-19

The Role of Microcredit in the Age of COVID-19

The Role of Microcredit in the Age of COVID-19

The Digital Metamorphoses in China

Asset managers in China are facing fundamental changes to their industry brought on by the rise of digital technology and advanced analytics. Qin Xu, partner and managing director, explains how companies can explore new ways to maximize the value of this ongoing transformation.

New Ways of Working in Banking

Tjun Tang on Digital Finance in China

In this video, BCG’s Tjun Tang, senior partner and managing director, Hong Kong, discusses the core capabilities of digital, including reach, big data analytics, and streamlining the cost of operations.

Transforming Retail Banks for the Digital Age

BCG’s Ian Walsh explains how the future of retail banking lies in achieving the perfect balance between digitization and human interaction – or what we call “bionic banking.”

The Role of Microcredit in the Age of COVID-19