銀行レポート: 2015年 ７月-９月 http://www.celent.com/ja/research/370 発行予定レポート （仮題） 銀行ビジネスの殻を破る: イノベーションへの取り組み Daniel Latimore, Jean-Marie Ubigau Banks are using a host of different innovation strategies to expand their horizons. Celent compiles the various ways — business incubators, listening posts, accelerator hubs, and venture capital arms — banks are tapping external innovation expertise. 銀行が他業界から学べること: 銀行ビジネスモデルの再考 Daniel Latimore Banks must radically rethink their business models and can learn from other industries as they shift their strategic focus. This report will draw on experiences from airlines, retailers, and pharmaceutical companies to provide banks with important strategic lessons. 銀行におけるデジタルトランスフォーメーション: 組織の改変と進化 Stephen Greer Digital transformation is a hot topic in banking today. Institutions are increasingly looking at making internal changes to better align with how the market moves. Many institutions, however, are still trying to figure out where to begin, what other institutions are doing, and what options are available. Banks need insight into mechanisms around digital transformation as well as concrete examples applicable to their organizations. 銀行業界のデジタルに関する見解: リサーチパネルシリーズ Daniel Latimore Celent has launched a new research effort that surveys bankers on the topic of Digital. The first survey examines banks' digital priorities, marketplace views, and areas for further exploration. 銀行業界におけるゲーミフィケーション: 顧客接点における活用 Daniel Latimore Gamification, despite its name, shouldn’t be trivial for banks. To increase engagement and help customers do the right things financially, banks should consider how to incorporate elements of gamification into their customer-facing interactions. We examine the current state of banking gamification around the world and recommend a path forward for banks considering the issue. 支店のモデル変革とセルフサービス機器: ベンダーソリューション比較 Bob Meara While branch transformation efforts are producing rich diversity of outcomes, a consistent element of new branch designs is assisted self-service. Celent compares vendor solutions for inbranch assisted self-service. 対面チャネルの有効活用: 支店チャネル改革(branch transformation)に足りないモノ Bob Meara Institutions are challenged with the twin objectives of creating a long-term path for branch transformation and achieving short-term ROI. In the final analysis, the quality of the branch experience is driven by the quality of frontline employees and their personal interactions with customers. Celent offers an overview of several technologies designed to do just that — technologies often overlooked when building the “future branch.” 顧客別収益性分析ソリューションの評価: ABCDベンダービュー Bob Meara and Stephen Greer Revenue growth is job number one for most banks. However, banks are increasingly looking to grow profitable revenue. Doing so systematically requires focus, disciplined execution, and technology. This report will compare customer profitability analytics vendor solutions using Celent's ABCD methodology. 米国におけるオンライン口座開設の評価 Daniel Latimore As true branchless banking becomes more prevalent, Celent mystery shops several leading banks by opening accounts without visiting a branch. Celent examines best practices and common pitfalls, together with observations on the ideal customer experience. ソーシャルクレジットスコアリング: Lenddoの研究 Juan Mazzini, Luis Chipana For decades credit has been based on credit history. How to lend to those without credit history? What happens with young people? Social credit scoring rises as an answer to this. Celent analyzes Lenddo, one of the world’s first online platforms to help the emerging middle class use their social connections to build their creditworthiness and access local financial services. モバイルを活用した非銀行利用者層の取り込み Juan Mazzini, Luis Chipana Celent reviews the implementation of Daviplata, an initiative from Banco Davivienda in Colombia, with feature phone functionality in the heart of their strategy to reach the unbanked. A Division of Oliver Wyman Android PayとTokenization(トークナイゼーション)の威力 Zilvinas Bareisis At its latest developer conference, Google announced Android Pay, a significant upgrade on the original Google Wallet for in-store and in-app payments. In the meantime, the networks have made important announcements around tokenization and digital services framework. We take a look at these developments and discuss implications for financial institutions. リアルタイム決済: 米国の動向 Gareth Lodge Following up from the two reports outlining the current state of real-time payments, this report looks at the current debate in the US as to whether it should adopt such a solution. The report assesses the options and poses questions the industry needs to address. ACHの将来: 市場インフラの変わりゆく姿 Gareth Lodge What is the future of ACHs? They're in the midst of a period of rapid structural change, driven by post-crisis regulation and the macroeconomic environment. This has accelerated ongoing evolution within the industry (e.g., electronification) as well as prompted new structural shifts. As a result, these forces are changing the needs of market participants and the ability of providers to service those needs. 決済サービス指令(Payment Service Directive) II: 今後の課題 Gareth Lodge The PSD2 is edging closer to adoption, and although the regulation will have significant impact on all banks in Europe, there has been far less discussion than on its predecessor, PSD1. This report highlights some of the more dramatic impacts that banks face in the coming months, from XS2A to authentication and liability. コーポレートペイメントのトップトレンド Gareth Lodge In its 2015 update to the annual top trends in corporate payments, Celent sets out the key corporate payments trends banks need to be aware of. トランザクションバンキングの動向: 逆境下の戦略 Patricia Hines Transaction banking is under pressure from a low interest rate environment, evolving liquidity regulations, heightened digital expectations, and increasing competition from traditional and alternative providers. This report explores the current landscape and looks into the future. A Division of Oliver Wyman 財務管理システムの進化 James O’Neill Few areas of financial technology services have been more impacted by industry consolidation than the market for treasury management services (TMS) systems. Twenty years ago, as many as two dozen vendors competed in the corporate TMS market in Europe and North America. Today, the list has been reduced to a half dozen or so survivors. This report traces the origins of the TMS systems vendor community and follows the path of consolidation that led to today’s market structure. デジタルトランスフォーメーションと財務管理サービスの向上 Patricia Hines What are the implications of digital transformation for treasury services providers to increase revenue, reduce costs, and better manage risk through digital transformation? 銀行とクラウド: 法規制への対応とテクノロジーの有効活用の両立 James O’Neill While banks are intrigued by the operational and financial benefits of modern cloud services, persistent concerns regarding data security and regulatory compliance have prevented most from moving their organization into the cloud. This report examines how major cloud services providers deploy technology that can allow banks to deploy cloud services safely while avoiding the ire of banking regulators. 北米の勘定系プラットフォーム市場における動向 Stephen Greer This report will be an in-depth evaluation and ranking of core processing platforms. Celent will provide deep analysis of vendor offerings focused on North America. Core platform replacement is one of the biggest decisions an institution can make. Banks will find this a useful guide when beginning the process of looking at possible core implementation partnerships. 中南米の勘定系プラットフォーム市場における動向 Stephen Greer Latin America is a distinct market for core solutions. Many banks rely on a close relationship, and sales cycles can be extremely long. Core platform replacement is one of the biggest decisions an institution can make. While local vendors have had the most success, international vendors are trying to forge new relationships at all tiers. Understanding the market, as well as the major players, is important. 中南米の勘定系ソリューション評価: ABCDベンダービュー Luis Chipana, Stephen Greer, Juan Mazzini Celent examines core banking vendors that currently have clients or sell in Latin America. Celent also looks at each of these vendors using the ABCD analysis, in which XCelent awards are given to solutions with the best scores in each category. A Division of Oliver Wyman 東南アジアの勘定系ソリューション動向 Neil Katkov, PhD Many banks in Southeast Asia replace their core systems at least once every 10 years. This report will examine the channel trends and business strategies that are driving banks in the region to once again assess if their core banking systems are fit for purpose. ベンダー主催カンファレンスにおける成功の秘訣 Daniel Latimore Celent attends a large number of conferences hosted by vendors and independent third parties. We see what works ... and what doesn’t. We share observations that help event planners make their next gathering as effective as possible. セレント・モデルバンクアワード必勝法 Zilvinas Bareisis Would you or your clients like to win a Celent Model Bank award? Have you perhaps tried unsuccessfully in the past? If so, this report is for you. It describes Celent's Model Bank Award process and shares tips for how to submit a winning entry. アジアのモバイル決済動向 孔 慶順 This report examines the current status of mobile payments in Asian countries, estimates IT spending levels, and explores future growth drivers based on a Celent survey. アジアにおけるモバイルバンキングの未来 孔 慶順 This report examines mobile delivery strategies at banks in Asia, estimates future growth trends in Asian mobile banking, and provides recommendations for financial institutions and vendors looking at the Asian mobile banking market. 中国リテールバンキングのデジタルチャネルにおけるイノベーション Hua Zhang This report examines how deregulation, the entry of social media and e-commerce firms into financial services, and disruptive business models are forcing retail banks to transform. 中国の金融業界におけるデジタルウォレットの脅威 Hua Zhang This report looks at how free digital wallets from Alibaba, Tencent, and other Internet disruptors are threatening the traditional fee-based payments and ATM business of traditional banks. 中国の銀行業界におけるソーシャルメディアの活用 Hua Zhang This report explores how financial institutions are using social media to better communicate with customers. A Division of Oliver Wyman 中国のコミュニティバンク市場 Hua Zhang Celent analyzes the trend of “community banking” in China as a strategic response to the new competition banks are facing from innovative Internet-based firms. 中国の金利自由化をめぐる動向 Hua Zhang This report assesses how interest rate liberalization in China will drive new business models such as relationship-based pricing, and the need for technology to support them. 韓国金融市場におけるビッグデータ戦略 孔 慶順 This report examines the emergence of big data usage in the South Korean financial market and looks at their future trends. 日本におけるインターネット専業銀行の最新動向 孔 慶順 This report examines Internet-only banks in Japan, estimates future growth in the sector, and provides case studies. 日本の金融業界におけるレガシー・モダナイゼーション: 銀行編 柳川 英一郎 This report examines trends in legacy modernization in the Japanese banking industry, including business themes and priorities, legacy migration, and challenges facing Japanese banks. 日本の金融機関におけるグローバリゼーション Part 1 柳川 英一郎 This report analyses how environmental and competitive pressures are forcing Japanese financial institutions to again pursue aggressive globalization strategies. Part 1 reviews the indicators and background. 日本の金融機関におけるグローバリゼーション Part 2 柳川 英一郎 This report analyses how environmental and competitive pressures are forcing Japanese financial institutions to again pursue aggressive globalization strategies. Part 2 describes the challenges and strategies of each firm. 日本の決済システムの動向 Part 3: 国債決済期間の短縮 柳川 英一郎 This report provides a definitive analysis of the proposed shorter settlement cycle for Japanese government bonds (JGBs) and the expected benefits. A Division of Oliver Wyman 2015 年４－６月発行レポート バンキングにおける「デジタル」とは何か【全訳版】 支店チャネル改革は始まったばかり: セレント支店改革調査シリーズ パート 1 日本の金融業界におけるレガシー・モダナイゼーション ・ パート 1: 調査結果分析と現状把握【日本語】 ・ パート 2: 自動車産業における現代化の歴史が金融業界に示唆するもの【日本語】 イノベーション＆インサイト・デー 東京 2015 プレゼンテーション【日本語】 消費者のお金に関する意思決定：行動経済学からの驚きの事実 カード管理および取引処理システムベンダー ・ パート 1: ベンダー概要 ・ パート 2: パッケージソフトウェア ・ パート 3: カード発行・処理 ・ パート 4: カード専門サービスプロバイダー テンセント傘下の WeBank: 支店もオンラインバンキングもない銀行【全訳版】 2015 年 リモート・デポジット・キャプチャーの現状: モバイルが小切手スキャナーに アジアにおけるモバイルバンキングの可能性【日本語】 2015 年 世界の勘定系システム販売ランキング アンチマネーロンダリングの最新ソリューション ISO20022 — 決済の革命 中小企業向け RDC をめぐるビジネスチャンス: 新製品が全てを変える 同規模の銀行とクレジットユニオンの効率性を比較してみると イノベーションを重視しているのは誰?: セグメント化戦略【全訳版】 2015 年 リテールバンキングのトップトレンド: 進むデジタル化と複雑化 Samsung Pay をはじめとするモバイル決済競争: モバイル・ワールド・コングレスから 2015 年 コーポレートバンキングのトップトレンド: 不確実性への対処をサポート A Division of Oliver Wyman セレントの銀行レポートは、www.celent.com/ja/research/370 にてご覧いただけます。 (本文の閲覧にはご契約 ID/PW が必要です。) また、レポートに関連するコンサルティングプロジェクトも承ります。 - 市場調査 - 事業機会分析 - 事業/IT 戦略策定 - ソリューション選定 etc. お問い合わせ先:セレント営業担当 福盛 tel:03 3500 3038 [email protected] *発行予定レポートの邦題は、今後変更となる可能性がございます。 A Division of Oliver Wyman
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