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Culture, conduct risk, and sales practices are likely to be headline regulatory issues for banks, accompanied by ongoing active enforcement.
Cloud-based platforms, robotic process automation, and cognitive technologies are expected to be top priories, along with a push to replace aging core systems.
The wealth management business could undergo rapid structural shifts in response to the proliferation of robo-advice, although uncertainty about the DOL rule may force delays of operating model decisions.
Selective partnerships with marketplace lenders may be highly sought after to attain lending business diversification and scale.
02. Commercial and transaction banking
The phase-in of net stable funding ratio and other balance-sheet-related regulations may force banks to reexamine pricing and client relationships.
Certain portfolio risks, specifically those tied to volatile commodity exposure, will require close monitoring.
Banks will pursue the externalization of service operations, as the benefits from process reengineering prove to be fleeting.
Capital-light, transaction-focused businesses continue to become more important even as customer expectations shift toward end-to-end digital solutions.
Payment providers should increasingly turn to value-based customer experience solutions in an effort to drive long-term profitability.
Cybersecurity, IP protection, and real-time payments will likely top the risk and regulatory agenda for payments.
Bots, biometrics, and encryption are expected to be immediate technological priorities for payment transaction solutions.
An aggressive move to faster, seamless, and secure digital payments is expected to require heightened collaboration within and outside of the industry.
04. Market infrastructure
Consolidation to pursue new revenue streams and efficiencies is expected to remain a structural theme, although policy uncertainty could induce some near-term caution.
An acceleration of the shift toward non-transactional revenue could see data becoming a strategic earnings driver.
Automation and investments in new technologies are likely to drive future value creation while cloud adoption will help rationalize costs.
The regulatory push for enhanced security and reporting will act as a catalyst for institutional modernization.