Financial Institutions Hero

金融機関

デジタル化により金融サービスの変革が進み、より優れた、より統合的なユーザー体験への期待が高まっています。BCGは、デジタルイノベーションの活用による多領域にわたる抜本的な変革を通じ、金融機関の未来に向けた事業・組織の構築を支援しています。

金融機関に対するBCGの支援領域


金融機関は収益性というプレッシャーを負う一方で、すべてのセグメントの顧客・顧客企業に対してよりよいサービスを提供するというチャレンジを課されています。目標がESGについての検討を組み込んだ金融サービス戦略の構築であろうと、デジタルの未来を見据えた新たなビジョンの策定であろうと、BCGは金融機関が今日の課題に対応し、明日に備えるために必要な変革を進める支援を行っています。

金融業界のデジタルの未来をつくる―BCGの支援

BCGは、過去5年間でおよそ4,000にのぼる金融機関向けプロジェクトに取り組み、金融業界についての知見やノウハウをさらに深め、次の時代をより確実に予測できるようになっています。そうした知見をベースに、先進的なセクターモデル、ベンチマーク、独自のデータベースなど、あらゆる領域の戦略的課題に対応するツールを開発してきました。

私たちは、事業戦略価値創造カスタマージャーニーサステナビリティM&A合併後の統合(PMI)新興市場イノベーション戦略などに関する組織能力を活用し、特定領域の変革、および幅広い部門を巻き込んだエンドツーエンドの変革の双方で金融機関を支援してきました。デジタル分野では、パーソナライゼーションの向上、アナリティクスの深化、オペレーションにおけるテクノロジーの進化、効率性の向上、リスクの軽減など、さまざまな取り組みを行っています。その一例をご紹介します。


BCG’s Approach to Front-to-Back Digitization

It’s a five-step process:

  • Define. Setting internal and external targets clarifies a transformation’s vision and the plans needed to execute it. Thousands of potential business cases are collapsed into a finite set of well-defined end-to-end value streams.
  • Design. Creating a future-proof, simplified product and experience that covers both front- and back-end processes yields true innovation rather than incremental change.
  • Digitize. Modernized digital and data platforms address challenges posed by legacy technology and embed analytics and automation into processes.
  • Deliver. Upskilling and continuous cross-functional teaming help break down siloed work, which improves workforce performance and productivity.
  • Direct. New ways of working establish a direct link between collaboration and monetization of benefits.

BCG’s experts in digitization in financial services use proprietary diagnostics, a well-proven playbook, benchmarks, and client input to uncover opportunities to improve digitization. Consultants combine deep industry knowledge with relevant capabilities in customer journey, digital and data platforms, operations, people and organization, and risk management.


How Our Front-to-Back Digitization Approach Delivers Value

Value accrues through:

  • Customer Excellence. A simpler, faster, frictionless customer journey boosts conversion rates, engagement, and loyalty.
  • Colleagues’ Experience. New ways of working and empowered teams speed decision making and provide opportunities for upskilling to increase employee engagement.
  • Cost Optimization. Making processes significantly more efficient reduces implementation costs, and it enables rapid updates, improves the “first time right” rate, and increases reusability and consistency.
  • Control Uplift. System-driven monitoring places controls further upstream, which makes risks more visible, improves compliance, and reduces cycle times.

BCG clients around the world have used the front-to-back digitization approach to create transformations with substantial, lasting impacts:

15%

Reduction in operating costs at a leading Indian bank that BCG worked with to digitize processes; among the improvements was a 90% reduction in cycle times across multiple value streams, which led to greater efficiencies and scalability

10%

Minimum expected revenue increase at a leading Asia-Pacific bank after BCG helped it transform multiple value streams, fueling strong improvements in customer experience and delivery

80%

Faster delivery of key consumer products at a major European bank after BCG helped it transform its customer journey and adopt new ways of working to focus on customers, colleagues, and costs; improved spending efficiencies led to a 50% drop in cost per sale

5%

Direct revenue increase at a US regional bank that collaborated with BCG on a customer journey transformation spanning multiple offerings, including mortgages and commercial credit cards

Contact us at F2BDigitization@bcg.com for more information on how we can help you make the most of your financial institution’s digitization efforts.


金融機関のエキスパート

金融業界に関するBCGの論考など

The Sun Is Setting on Traditional Banking

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 nimbler tech players.

ESG Commitments Are Here to Stay

For now, corporate sustainability spending may be curtailed. But investors believe that in the long run, ESG will remain a powerful driver of portfolio performance.

The World Bank’s Human Capital Project: A Case Study of Agile in Action

Agile continues to deliver extraordinary benefits: in just three months, a team delivered a complex, high-profile product that normally would have taken a year.

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