{"id":542,"date":"2022-12-23T09:51:55","date_gmt":"2022-12-23T09:51:55","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=542"},"modified":"2022-12-27T08:22:44","modified_gmt":"2022-12-27T08:22:44","slug":"capgemini-tlak-fintechu-i-konec-starych-bilych-muzu-mezi-milionari","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=542","title":{"rendered":"Capgemini: \u201cKonec star\u00fdch b\u00edl\u00fdch mu\u017e\u016f\u201c mezi milion\u00e1\u0159i"},"content":{"rendered":"
Data, personalizace slu\u017eeb i nov\u00ed z\u00e1kazn\u00edci. Post-covidov\u00e9 obdob\u00ed spolu s ekonomickou kriz\u00ed za posledn\u00ed rok zm\u011bnila vn\u00edm\u00e1n\u00ed \u0159ady slu\u017eeb ve finan\u010dnictv\u00ed. Tak, jak se m\u011bn\u00ed spole\u010dnost, se vyv\u00edj\u00ed i \u017eivotn\u00ed prost\u0159ed\u00ed, ve kter\u00e9m \u017eije. Zm\u011bny klimatu tak jsou dal\u0161\u00edm faktorem, kter\u00fd ovliv\u0148uje byznysov\u00e9 modely t\u0159eba v poji\u0161\u0165ovnictv\u00ed.<\/strong><\/div>\n

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Co jsou podle pr\u016fzkum\u016f poradensk\u00e9 spole\u010dnosti Capgemini trendy v oblasti bankovnictv\u00ed a dal\u0161\u00edch finan\u010dn\u00edch slu\u017eeb?<\/div>\n
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1. Postaven\u00ed bank ohro\u017euj\u00ed Fintech spole\u010dnosti<\/strong><\/div>\n
FinTech spole\u010dnosti si ukrajuj\u00ed z pod\u00edlu na bankovn\u00edm trhu. T\u011b\u017e\u00ed z toho, \u017ee rozum\u00ed sv\u00fdm klient\u016fm l\u00e9pe, ne\u017e klasick\u00e9 banky. Ty disponuj\u00ed zastaral\u00fdmi syst\u00e9my a technologiemi. Nezvl\u00e1daj\u00ed tak vyhodnotit, co od nich jejich z\u00e1kazn\u00edci o\u010dek\u00e1vaj\u00ed, paradoxn\u011b jsou si toho v\u011bdomi. Celkem 95 % vedouc\u00edch pracovn\u00edk\u016f sv\u011btov\u00fdch bank se podle World Retail Banking Reportu 2022<\/a> domn\u00edv\u00e1, \u017ee jejich zastaral\u00e9 syst\u00e9my a technologie nezvl\u00e1daj\u00ed pln\u011b optimalizovat data, co\u017e jim br\u00e1n\u00ed ve spr\u00e1vn\u00e9m vyhodnocen\u00ed a v rozvoji proklientsk\u00e9 a pror\u016fstov\u00e9 strategie.<\/div>\n
Naopak v \u010cesk\u00e9 republice banky neberou FinTech spole\u010dnosti jen jako konkurenci, v \u0159ad\u011b p\u0159\u00edpad\u016f s nimi spolupracuj\u00ed \u010di do nich p\u0159\u00edmo investuj\u00ed. Co se rozvoje v oblasti datov\u00e9 anal\u00fdzy a um\u011bl\u00e9 inteligence t\u00fd\u010de, vid\u00edme u nich zna\u010dn\u00fd pokrok. D\u016fvod pro toto sm\u011b\u0159ov\u00e1n\u00ed je jednozna\u010dn\u00fd. Lep\u0161\u00ed pozn\u00e1n\u00ed toho, co z\u00e1kazn\u00edk chce, vede i k mo\u017enosti zlep\u0161en\u00ed slu\u017eeb, kter\u00e9 mu banka m\u016f\u017ee nab\u00eddnout.<\/div>\n
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2. P\u0159\u00edrodn\u00ed katastrofy nut\u00ed poji\u0161\u0165ovny ke zm\u011bn\u00e1m<\/strong><\/div>\n
P\u0159\u00edrodn\u00ed katastrofy ovliv\u0148uj\u00ed \u017eivoty jednotlivc\u016f i spole\u010dnost\u00ed a jsou p\u0159\u00edmo \u00fam\u011brn\u00e9 zm\u011bn\u00e1m vyvolan\u00fdm klimatick\u00fdmi jevy. Je to ostatn\u011b vid\u011bt i v \u010cesk\u00e9 republice. Ned\u00e1vn\u00e9 torn\u00e1do na jihu Moravy, po\u017e\u00e1r v \u010cesk\u00e9m \u0160v\u00fdcarsku. To v\u0161e znamenalo i astronomick\u00e9 n\u00e1klady pro po\u0161kozen\u00e9, kte\u0159\u00ed samoz\u0159ejm\u011b o\u010dek\u00e1vali pomoc od sv\u00fdch poji\u0161\u0165oven. Ty tak aktu\u00e1ln\u011b \u0159e\u0161\u00ed \u00fapravu sv\u00fdch obchodn\u00edch model\u016f tak, aby byly na podobn\u00e9 situace p\u0159ipraveny.<\/div>\n
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Pr\u016fzkum World Insurance Report <\/a>uk\u00e1zal, \u017ee dopad klimatick\u00fdch zm\u011bn nut\u00ed poji\u0161\u0165ovny, aby pos\u00edlily a hr\u00e1ly v\u011bt\u0161\u00ed roli p\u0159i zm\u00edr\u0148ov\u00e1n\u00ed rizik. Ty, kter\u00e9 se prioritn\u011b zam\u011b\u0159\u00ed na udr\u017eitelnost, budou \u010dinit chytr\u00e1 dlouhodob\u00e1 obchodn\u00ed rozhodnut\u00ed, kter\u00e1 pozitivn\u011b ovlivn\u00ed jejich budouc\u00ed v\u00fdznam a r\u016fst. Kl\u00ed\u010dov\u00e9 je sladit inovativn\u00ed p\u0159evody rizik s jejich prevenc\u00ed a p\u0159id\u011blit odpov\u011bdnost v r\u00e1mci v\u00fdkonn\u00e9ho t\u00fdmu, aby byly jasn\u00e9 priority.<\/div>\n
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3. MSP maj\u00ed dojem, \u017ee na n\u011b banky \u201cka\u0161lou\u201c<\/strong><\/div>\n
Vid\u00edme to v\u0161ude. Obliba nov\u00fdch platebn\u00edch metod roste. Od QR k\u00f3d\u016f, p\u0159es okam\u017eit\u00e9 platby a\u017e po digit\u00e1ln\u00ed pen\u011b\u017eenky\u2026 nov\u00e9 zp\u016fsoby \u00fahrady plateb jsou v sou\u010dasnosti \u0161irok\u00e9 a do roku 2026 by m\u011bly pokr\u00fdvat hned \u010dtvrtinu v\u0161ech bezhotovostn\u00edch transakc\u00ed. Payment Report<\/a> uk\u00e1zal, \u017ee navzdory vzkv\u00e9taj\u00edc\u00ed nab\u00eddce pro spot\u0159ebitele v\u0161ak banky \u010dasto opom\u00edjej\u00ed pot\u0159eby sv\u00fdch firemn\u00edch z\u00e1kazn\u00edk\u016f.<\/div>\n
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Banky nejsou schopny poskytnout mal\u00fdm a st\u0159edn\u00edm podnik\u016fm (MSP) stejnou podporu v oblasti slu\u017eeb, jakou nab\u00edzej\u00ed b\u011b\u017en\u00fdm spot\u0159ebitel\u016fm. P\u0159itom pr\u00e1v\u011b mal\u00e9 a st\u0159edn\u00ed podniky jsou p\u00e1te\u0159\u00ed r\u016fstu jak z glob\u00e1ln\u00edho, tak i \u010desk\u00e9ho pohledu. Pod\u00edlej\u00ed se na polovin\u011b sv\u011btov\u00e9ho HDP a celosv\u011btov\u00e9 zam\u011bstnanosti. P\u0159esto pat\u0159\u00ed k nejv\u00edce posti\u017een\u00fdm sou\u010dasnou volatilitou trhu, kter\u00fd se je\u0161t\u011b st\u00e1le pot\u00fdk\u00e1 s n\u00e1sledky pandemick\u00fdch omezen\u00ed a z\u00e1rove\u0148 mus\u00ed zvl\u00e1dnout p\u0159ek\u00e1\u017eky vznikl\u00e9 konfliktem na Ukrajin\u011b, kter\u00fd je\u0161t\u011b v\u00edce zv\u00fd\u0161il ceny komodit, dopravy i slu\u017eeb. Banky a poskytovatel\u00e9 platebn\u00edch slu\u017eeb mus\u00ed p\u0159enastavit sv\u00e9 priority a p\u0159ij\u00edt s inovativn\u00edmi platebn\u00edmi slu\u017ebami. MSP to od nich o\u010dek\u00e1vaj\u00ed a pokud nedostanou kvalitn\u00ed servis, zv\u00e1\u017e\u00ed, jestli svou banku nezm\u011bn\u00ed.<\/div>\n
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4. Diverzita: \u201cStar\u00fdm b\u00edl\u00fdm mu\u017e\u016fm\u201c mezi milion\u00e1\u0159i odzvonilo<\/strong><\/div>\n
Sv\u011btov\u00e9 bohatstv\u00ed rostlo a s n\u00edm i diverzita dolarov\u00fdch milion\u00e1\u0159\u016f, uk\u00e1zala to studie World Wealth Report<\/a>, kter\u00e1 shrnovala data za rok 2021. Slu\u017eby v oblasti spr\u00e1vy majetku vyhled\u00e1valo st\u00e1le v\u00edce \u017een, LGBTQ+ osob, mileni\u00e1l\u016f a p\u0159\u00edslu\u0161n\u00edk\u016f generace Z. A ti se nespokoj\u00ed s dosavadn\u00edm portfoliem slu\u017eeb. O\u010dek\u00e1vaj\u00ed v\u00edce osobn\u00ed p\u0159\u00edstup, takov\u00fd, kter\u00fd p\u0159esn\u011b kop\u00edruje jejich po\u017eadavky. A v p\u0159\u00edpad\u011b nespokojenosti se neboj\u00ed ud\u011blat krok jin\u00fdm sm\u011brem.<\/div>\n
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Ji\u017e v polovin\u011b roku 2022 v\u0161ak za\u010dalo doch\u00e1zet k poklesu glob\u00e1ln\u00edho bohatstv\u00ed o p\u0159ibli\u017en\u011b 4 procenta. Trendy ze zahrani\u010d\u00ed kop\u00edrovalo i \u010cesko. Zde se po\u010det tzv. HNWI (High Net Worth Individual) zv\u00fd\u0161il o 7,7 procent na celkov\u00fdch v\u00edce ne\u017e 32 tis\u00edc dolarov\u00fdch milion\u00e1\u0159\u016f. K r\u016fstu mno\u017estv\u00ed velmi bohat\u00fdch \u010cech\u016f p\u0159isp\u011blo n\u011bkolik faktor\u016f. Pat\u0159\u00ed mezi n\u011b n\u00e1vrat k hospod\u00e1\u0159sk\u00e9mu r\u016fstu po poklesu HDP v p\u0159edchoz\u00edm roce. N\u011bkter\u00fdm lok\u00e1ln\u00edm firm\u00e1m pomohlo tak\u00e9 naru\u0161en\u00ed dodavatelsk\u00fdch a dopravn\u00edch \u0159et\u011bzc\u016f vlivem pandemie, d\u00edky kter\u00e9mu z\u00edskaly nov\u00e9 zak\u00e1zky na \u00fakor glob\u00e1ln\u00ed konkurence.<\/div>\n
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5. Poji\u0161\u0165ovn\u00e1m lid\u00e9 d\u016fv\u011b\u0159uj\u00ed v\u00edce ne\u017e l\u00e9ka\u0159\u016fm<\/strong><\/div>\n
Studie<\/a>, kter\u00e1 se zab\u00fdvala ot\u00e1zkami \u017eivotn\u00edho a zdravotn\u00edho poji\u0161t\u011bn\u00ed zase uk\u00e1zala, \u017ee z\u00e1kazn\u00edci pova\u017euj\u00ed poji\u0161\u0165ovac\u00ed domy za d\u016fv\u011bryhodn\u00e9 poradce jak v oblasti zdrav\u00ed fyzick\u00e9ho, tak i finan\u010dn\u00edho. Poji\u0161\u0165ovny v\u0161ak pokulh\u00e1vaj\u00ed v nab\u00eddce vysoce personalizovan\u00fdch slu\u017eeb zam\u011b\u0159en\u00fdch na prevenci a wellness a vyu\u017e\u00edvaj\u00edc\u00edch modern\u00ed technologie. Z\u00e1jem o n\u011b p\u0159itom maj\u00ed a\u017e dv\u011b t\u0159etiny jejich klient\u016f.<\/div>\n
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Poji\u0161\u0165ovny, ukazuje studie, jsou p\u0159itom na tomto poli v\u00fdrazn\u00fdm hr\u00e1\u010dem: Jako nejlep\u0161\u00edho potenci\u00e1ln\u00edho partnera v oblasti p\u00e9\u010de o fyzick\u00e9 zdrav\u00ed je uvedlo 37 % poji\u0161t\u011bnc\u016f (v tomto sm\u011bru p\u0159ed\u010dily dokonce i l\u00e9ka\u0159e), v segmentu finan\u010dn\u00edho zdrav\u00ed se poji\u0161\u0165ovny um\u00edstily hned za bankami na druh\u00e9m m\u00edst\u011b \u2013 v roli poradce je preferuje 24 % dotazovan\u00fdch \u00fa\u010dastn\u00edk\u016f studie.<\/div>\n
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Posledn\u00ed dva roky, \u017ee poji\u0161\u0165ovny mus\u00ed p\u0159ej\u00edt k modelu Wellness-as-a-service zalo\u017een\u00e9mu na pr\u00e1ci s daty a technologick\u00fdch inovac\u00edch, v jejich\u017e pop\u0159ed\u00ed stoj\u00ed z\u00e1kazn\u00edk. V\u00fdsledkem bude hlub\u0161\u00ed vztah mezi pojistitelem a jeho klientem a p\u0159edev\u0161\u00edm slu\u017eby, kter\u00e9 jsou k dispozici, kdy\u017e je lid\u00e9 skute\u010dn\u011b pot\u0159ebuj\u00ed.<\/div>\n","protected":false},"excerpt":{"rendered":"

Data, personalizace slu\u017eeb i nov\u00ed z\u00e1kazn\u00edci. Post-covidov\u00e9 obdob\u00ed spolu s ekonomickou kriz\u00ed za posledn\u00ed rok zm\u011bnila vn\u00edm\u00e1n\u00ed \u0159ady slu\u017eeb ve finan\u010dnictv\u00ed. Tak, jak se m\u011bn\u00ed […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":543,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=542"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/542\/revisions"}],"predecessor-version":[{"id":547,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/542\/revisions\/547"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/543"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}