Beyond Fintech: A pragmatic assessment of disruptive potential in financial services
超越金融科技：金融服务业颠覆性潜力的务实评估
World Economic Forum,
世界经济论坛，报告全文(197页英文)+德勤执行摘要(15页英文)
Fintechs have defined the direction, shape, and pace of change across almost every financial services subsector. While they may not dominate the industry today, they have laid the foundation for future disruption.
Fintechs已经定义了几乎所有金融服务子部门的变化方向、形状和速度。虽然他们可能不主导今天的行业，他们奠定了基础，为未来的破坏。
This report from the World Economic Forum (Forum) and Deloitte studies the transformative role of fintech and other disruptive forces on the financial services industry. This is the third report Deloitte and the Forum have developed on this topic.
这份来自世界经济论坛（Forum）和德勤的报告研究了金融科技和其他颠覆性力量对金融服务业的变革作用。这是德勤和论坛就这一主题编写的第三份报告。
The report uncovers eight disruptive forces that have the potential to shift the competitive landscape of the financial ecosystem.
报告揭示了八种破坏性力量，它们有可能改变金融生态系统的竞争格局。
Cost commoditization: Financial institutions are embracing new technologies to accelerate commoditization of cost drivers.
成本商品化：金融机构正在采用新技术加速成本动因的商品化。
Profit redistribution: The location of profit pools within and between value chains are shifting with new technologies.
利润再分配：随着新技术的发展，价值链内部和价值链之间的利润池位置正在发生变化。
Experience ownership: Distributors will enjoy a position of strategic strength as owners of customer experience; manufacturers are expected to become hyper-scaled and hyper-focused.
体验所有权：分销商将享有作为客户体验所有者的战略优势；制造商有望成为超规模、超专注的制造商。
Platforms rising: Financial institutions are shifting to multiple-provider platforms as a channel to distribute and trade across geographies.
平台崛起：金融机构正转向多供应商平台，作为跨地区分销和交易的渠道。
Data monetization: Financial institutions are starting to use a combination of data strategies to follow the lead of tech firms in data monetization.
数据货币化：金融机构开始采用数据策略组合，跟随科技公司的步伐进行数据货币化。
Bionic workforce: New technologies such as Artificial Intelligence will mean major shifts to financial institutions’ workforces.
仿生劳动力：人工智能等新技术将意味着金融机构劳动力的重大转移。
Systemically important techs: Financial institutions of all sizes rely on large tech firms’ capabilities.
系统重要性技术：所有规模的金融机构都依赖于大型技术公司的能力。
Financial regionalization: Diverging regulatory priorities and customer needs is making way to tailored regional models of financial services.
金融区域化：不同的监管优先事项和客户需求正在为量身定制的金融服务区域模式让路。
Read the report to learn how these forces are impacting the financial services industry, including insights from seven industry segments: payments, digital banking, lending, insurance, market infrastructure, investment management, and equity crowdfunding. Please contact a Deloitte executive if you would like to discuss the report, and learn what these findings mean for your business.
阅读这份报告，了解这些力量是如何影响金融服务业的，包括来自七个行业领域的见解：支付、数字银行、贷款、保险、市场基础设施、投资管理和股权众筹。如果您想讨论报告，请联系德勤高管，了解这些调查结果对您的业务意味着什么。