IBM商业价值研究院2025年全球银行业和金融市场展望报告在AI时代提升银行业绩英文版56页

IBM Institute for Business Value | Research Insights2025 Global Outlook for Banking and Financial Markets Elevate banking performance in the age of AIHow IBM can helpModern financial institutions demand modularity, security, openness, AI-driven capabilities, and collaboration on a hybrid cloud. At IBM, we empower you to elevate customer experiences, modernize core banking infrastructures, pioneer innovative payment solutions, and transform enterprise risk management. Learn more at ibm.com/industries/banking-financial-markets ForewordAs we enter 2025, the banking sector faces a critical juncture, balancing a unique confluence of new challenges and opportunities that will define its evolution over the next decade. Over the past 15 years, the aftershocks of the 2008 Global Financial Crisis, ever-tightening regulatory pressures, low interest rates, and fierce competition from both traditional and nontraditional rivals have constrained banks’ degrees of freedom. This convergence has creat