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Milano, 11 giugno 2020 \u2013 Secondo il World Retail Banking Report<\/a> 2020 (WRBR) pubblicato oggi da Capgemini<\/a> ed Efma<\/a>, le banche retail sono sotto pressione per la incombente presenza di nuovi operatori in grado di offrire una customer experience significativa ai clienti del mercato di riferimento. La pandemia sta spingendo sempre pi\u00f9 i consumatori a interagire attraverso canali digitali con le loro banche e i modelli basati sulle piattaforme offrono agilit\u00e0 e scalabilit\u00e0 in tempi caratterizzati da incertezza. Dal report emerge che le banche che hanno a disposizione una piattaforma digitale ritengono pi\u00f9 semplice incrementare l\u2019utile operativo, individuare nuove fonti di valore e migliorare le efficienze operative.<\/strong><\/p>\n\n\n\nIl report rivela che il settore finanziario globale sta vivendo una trasformazione storica, poich\u00e9 i player agili e nativi digitali non tradizionali continuano a promuovere la customer experience, ridefinendo i principi tradizionali per ottenere una significativa trazione sul mercato. Visto che oltre la met\u00e0 (57%) dei consumatori adesso preferisce l\u2019internet banking, in aumento rispetto al 49% registrato prima dell\u2019avvento dell\u2019epidemia di COVID-19, e il 55% predilige l\u2019utilizzo delle app di mobile banking, rispetto al 47% riportato in precedenza, la posta in gioco \u00e8 aumentata ulteriormente.<\/p>\n\n\n\nIl report suggerisce che le banche debbano evolvere verso modelli basati su piattaforme per alimentare la crescita e l\u2019innovazione, due elementi necessari per rimanere competitive, e che l\u2019adozione dell\u2019Open X[1]<\/a> rappresenter\u00e0 un pilastro del successo a lungo termine. Poich\u00e9 il COVID-19 ha accelerato l\u2019urgenza della trasformazione digitale, in un momento cos\u00ec incerto, le banche potrebbero aver bisogno di adottare un approccio pi\u00f9 pragmatico alla trasformazione per proseguire il loro cammino verso l\u2019Open X.<\/p>\n\n\n\n\u201cI clienti si aspettano che il proprio provider di servizi finanziari offra loro una esperienza digitale altamente soddisfacente, visto che sono gi\u00e0 soliti rivolgersi alle BigTech[2]<\/strong><\/a> per altri tipi di servizi. La nuova sfida per le banche tradizionali \u00e8 quella di riuscire a soddisfare queste aspettative, poich\u00e9 i nuovi player digitali partono avvantaggiati offrendo da subito una customer experience di rilievo\u201d,<\/em> ha affermato Monia Ferrari, Financial Services Director<\/strong> di Capgemini Business Unit Italy<\/strong>. \u201cLe banche che investono per modernizzare la propria tecnologia core, convertendola in un\u2019esperienza altamente digitale, riusciranno a soddisfare questa richiesta e allo stesso tempo a incrementare la redditivit\u00e0\u201d. <\/em><\/p>\n\n\n\n\u201cIl COVID-19 ha puntato i riflettori sull\u2019esperienza digitale offerta dalle banche\u201d, <\/em>afferma John Berry<\/strong>, CEO<\/strong> di Efma<\/strong>. \u201cLa modernizzazione dei sistemi legacy deve essere una priorit\u00e0 per gli istituti che cercano di accelerare la crescita, dato che i clienti sono sempre pi\u00f9 esigenti e le banche che trascurano questo aspetto rischiano di restare indietro\u201d.<\/em><\/p>\n\n\n\nL\u2019evoluzione dei sistemi legacy trasformer\u00e0 la tecnologia core<\/strong><\/p>\n\n\n\nAvendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\nI dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\nPartnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - Capgemini Italia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/it-it\/news\/comunicati-stampa\/world-retail-banking-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Retail Banking Report 2020\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/it-it\/news\/comunicati-stampa\/world-retail-banking-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Italia\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T15:42:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/it-it\/news\/comunicati-stampa\/world-retail-banking-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/it-it\/news\/comunicati-stampa\/world-retail-banking-report-2020\/\",\"name\":\"World Retail Banking Report 2020 - 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Il report rivela che il settore finanziario globale sta vivendo una trasformazione storica, poich\u00e9 i player agili e nativi digitali non tradizionali continuano a promuovere la customer experience, ridefinendo i principi tradizionali per ottenere una significativa trazione sul mercato. Visto che oltre la met\u00e0 (57%) dei consumatori adesso preferisce l\u2019internet banking, in aumento rispetto al 49% registrato prima dell\u2019avvento dell\u2019epidemia di COVID-19, e il 55% predilige l\u2019utilizzo delle app di mobile banking, rispetto al 47% riportato in precedenza, la posta in gioco \u00e8 aumentata ulteriormente.<\/p>\n\n\n\n
Il report suggerisce che le banche debbano evolvere verso modelli basati su piattaforme per alimentare la crescita e l\u2019innovazione, due elementi necessari per rimanere competitive, e che l\u2019adozione dell\u2019Open X[1]<\/a> rappresenter\u00e0 un pilastro del successo a lungo termine. Poich\u00e9 il COVID-19 ha accelerato l\u2019urgenza della trasformazione digitale, in un momento cos\u00ec incerto, le banche potrebbero aver bisogno di adottare un approccio pi\u00f9 pragmatico alla trasformazione per proseguire il loro cammino verso l\u2019Open X.<\/p>\n\n\n\n\u201cI clienti si aspettano che il proprio provider di servizi finanziari offra loro una esperienza digitale altamente soddisfacente, visto che sono gi\u00e0 soliti rivolgersi alle BigTech[2]<\/strong><\/a> per altri tipi di servizi. La nuova sfida per le banche tradizionali \u00e8 quella di riuscire a soddisfare queste aspettative, poich\u00e9 i nuovi player digitali partono avvantaggiati offrendo da subito una customer experience di rilievo\u201d,<\/em> ha affermato Monia Ferrari, Financial Services Director<\/strong> di Capgemini Business Unit Italy<\/strong>. \u201cLe banche che investono per modernizzare la propria tecnologia core, convertendola in un\u2019esperienza altamente digitale, riusciranno a soddisfare questa richiesta e allo stesso tempo a incrementare la redditivit\u00e0\u201d. <\/em><\/p>\n\n\n\n\u201cIl COVID-19 ha puntato i riflettori sull\u2019esperienza digitale offerta dalle banche\u201d, <\/em>afferma John Berry<\/strong>, CEO<\/strong> di Efma<\/strong>. \u201cLa modernizzazione dei sistemi legacy deve essere una priorit\u00e0 per gli istituti che cercano di accelerare la crescita, dato che i clienti sono sempre pi\u00f9 esigenti e le banche che trascurano questo aspetto rischiano di restare indietro\u201d.<\/em><\/p>\n\n\n\nL\u2019evoluzione dei sistemi legacy trasformer\u00e0 la tecnologia core<\/strong><\/p>\n\n\n\nAvendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\nI dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\nPartnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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\u201cI clienti si aspettano che il proprio provider di servizi finanziari offra loro una esperienza digitale altamente soddisfacente, visto che sono gi\u00e0 soliti rivolgersi alle BigTech[2]<\/strong><\/a> per altri tipi di servizi. La nuova sfida per le banche tradizionali \u00e8 quella di riuscire a soddisfare queste aspettative, poich\u00e9 i nuovi player digitali partono avvantaggiati offrendo da subito una customer experience di rilievo\u201d,<\/em> ha affermato Monia Ferrari, Financial Services Director<\/strong> di Capgemini Business Unit Italy<\/strong>. \u201cLe banche che investono per modernizzare la propria tecnologia core, convertendola in un\u2019esperienza altamente digitale, riusciranno a soddisfare questa richiesta e allo stesso tempo a incrementare la redditivit\u00e0\u201d. <\/em><\/p>\n\n\n\n\u201cIl COVID-19 ha puntato i riflettori sull\u2019esperienza digitale offerta dalle banche\u201d, <\/em>afferma John Berry<\/strong>, CEO<\/strong> di Efma<\/strong>. \u201cLa modernizzazione dei sistemi legacy deve essere una priorit\u00e0 per gli istituti che cercano di accelerare la crescita, dato che i clienti sono sempre pi\u00f9 esigenti e le banche che trascurano questo aspetto rischiano di restare indietro\u201d.<\/em><\/p>\n\n\n\nL\u2019evoluzione dei sistemi legacy trasformer\u00e0 la tecnologia core<\/strong><\/p>\n\n\n\nAvendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\nI dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\nPartnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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\u201cIl COVID-19 ha puntato i riflettori sull\u2019esperienza digitale offerta dalle banche\u201d, <\/em>afferma John Berry<\/strong>, CEO<\/strong> di Efma<\/strong>. \u201cLa modernizzazione dei sistemi legacy deve essere una priorit\u00e0 per gli istituti che cercano di accelerare la crescita, dato che i clienti sono sempre pi\u00f9 esigenti e le banche che trascurano questo aspetto rischiano di restare indietro\u201d.<\/em><\/p>\n\n\n\nL\u2019evoluzione dei sistemi legacy trasformer\u00e0 la tecnologia core<\/strong><\/p>\n\n\n\nAvendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\nI dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\nPartnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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L\u2019evoluzione dei sistemi legacy trasformer\u00e0 la tecnologia core<\/strong><\/p>\n\n\n\nAvendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\nI dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\nPartnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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Avendo dato priorit\u00e0 ai profitti a breve termine rispetto alla sostenibilit\u00e0 sul lungo periodo, alcune banche hanno accumulato molti sistemi informatici ereditati dal passato. Questa situazione rende difficile l\u2019integrazione di tecnologie emergenti, penalizzando l\u2019esperienza del cliente e l\u2019eccellenza operativa. Tuttavia, nonostante le sfide poste dai sistemi legacy e i vantaggi di un core moderno, le banche sono riluttanti nell\u2019intraprendere azioni trasformative per via del livello di risorse necessarie e dei rischi associati a un\u2019implementazione inefficiente.<\/p>\n\n\n\n
I dirigenti bancari riconoscono gli ostacoli della transizione verso un modello basato su piattaforma. Secondo il report, i dirigenti affermano che le principali barriere all\u2019introduzione di un sistema basato su piattaforma sono rappresentate da timori legati a cybersecurity e privacy (80%), gestione obsoleta dei dati (68%) e identificazione del giusto partner (73%).<\/p>\n\n\n\n
Partnership e Open X sono elementi chiave per la trasformazione <\/strong><\/p>\n\n\n\nIl report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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Il report evidenzia come le banche possono superare le sfide e affrontare la trasformazione del core banking attraverso un\u2019orchestrazione strategica, integrata e collaborativa. La ricerca[3]<\/a> mostra che la modernizzazione progressiva \u00e8 il metodo di evoluzione preferito dai dirigenti bancari (54%), in quanto consente loro di aggiornare le funzioni pi\u00f9 critiche e di trasformare in modo incrementale i sistemi legacy.<\/p>\n\n\n\nAnche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\nI modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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Anche le partnership rappresentano un chiaro acceleratore del successo delle banche. Due terzi (66%) dei dirigenti bancari afferma che sono necessari 1-2 anni per innovare e lanciare un nuovo servizio\/prodotto quando si lavora da soli, mentre per il 58% ci vuole meno di un anno per farlo in collaborazione con i partner FinTech\/BigTech. I problemi normativi e di conformit\u00e0 (72%) e la scarsa compatibilit\u00e0 informatica (72%), tuttavia, sono identificati come ostacoli a una collaborazione efficace. Il modello Open X agisce aiutando le banche a ridurre i costi operativi e a passare da un elevato investimento fisso nello sviluppo IT a un modello di costo pi\u00f9 economico e flessibile che incorpora player specializzati nell\u2019ecosistema.<\/p>\n\n\n\n
I modelli basati su piattaforme diversificano le fonti di reddito e creano un nuovo ecosistema digitale<\/strong><\/p>\n\n\n\nLe banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\nIl report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\nMetodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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Le banche che abbracciano modelli su piattaforma possono espandere la propria portata sul mercato, migliorare l\u2019efficienza operativa, aumentare la redditivit\u00e0 del business e offrire prodotti e servizi differenziati e personalizzati rispetto ai competitor tradizionali. Passando a un modello basato su piattaforma, le banche che hanno sperimentato una crescita incrementale della clientela possono creare nuovi modelli di business per monetizzare alcuni dei loro punti di forza.<\/p>\n\n\n\n
Il report delinea tre opzioni principali: le banche possono acquistare e integrare una nuova piattaforma, costruirne una propria o condividere quelle pronte all\u2019uso. Tra le barriere alla trasformazione troviamo cybersecurity, sistemi legacy di core banking, gestione obsoleta dei dati, cultura intrinseca avversa al rischio, identificazione dei giusti partner e vincoli di budget.<\/p>\n\n\n\n
Metodologia di ricerca<\/strong><\/p>\n\n\n\nIl World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\nPer ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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Il World Retail Banking Report 2020 si basa sulle ricerche del Global Retail Banking Executive Survey 2020, sulle interviste ai dirigenti e sul Capgemini Open X Readiness Index. Il report include approfondimenti derivanti da interviste e sondaggi mirati con oltre 80 dirigenti di importanti banche di tutto il mondo.<\/p>\n\n\n\n
Per ulteriori informazioni, visitare il sito www.worldretailbankingreport.com<\/a>.<\/p>\n\n\n\n[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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[1]<\/a> Open X \u2014 X for eXperience \u2014 \u00e8 un approccio basato su piattaforme aperte in cui le imprese partecipanti \u2013 di tutte le dimensioni e di tutti i settori \u2013 collaborano tra loro. Durante l\u2019imminente era Open X, le banche determinano il loro ruolo (fornitore, aggregatore o orchestratore) in base ai propri punti di forza e fanno leva sulle capacit\u00e0 di terzi per fornire un customer journey potenziato.<\/p>\n\n\n\n[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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[2]<\/a> Le BigTech sono grandi aziende tecnologiche multinazionali come Google, Amazon, Facebook, Apple, Alibaba, ecc.<\/p>\n\n\n\n[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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[3]<\/a> Dati del whitepaper<\/a> di Capgemini elaborato in collaborazione con Everest Global: Core Modernization for Building Future Banking Experiences \u2013 Perspectives for Mid-market Banks in North America.<\/p>\n\n\nContenuti correlati<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tL\u201985% dei clienti corporate delle banche intende rivolgersi a istituzioni finanziarie non bancarie entro un anno, in seguito all’intensificarsi della concorrenza con il capitale privato<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 30, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/03\/03_30_WCIBR-Press-Release_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>150 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tI consumatori bilanciano la spesa per i beni essenziali con piccoli acquisti di piacere per gratificarsi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tFeb 18, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2026\/02\/18_02_2026_Capgemini-news-alert_Consumer-Trends-report_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>165 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReport<\/span><\/span>\n\t\t\t\t\t\t\t\t\tQuasi il 70% dei responsabili marketing ritiene che l\u2019AI agentica sar\u00e0 trasformativa, ma sulla sua efficacia restano dei dubbi<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tDec 22, 2025<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2025\/12\/12_22_Capgemini-news-alert_CMO-Playbook_ITA.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Scarica il comunicato stampa<\/span>\n\t\t\t\t\t\t\t<span>166 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tLeggi di pi\u00f9 su<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"d71cabd2-2310-4217-bafc-576bd8c0ac21\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/it-it\/wp-content\/uploads\/sites\/15\/2023\/01\/2020_06_11_WRBR_Ita.pdf","related_resource_id":1187,"related_resource_size":"244 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[220],"brand":[],"class_list":["post-1186","press-release","type-press-release","status-publish","hentry","press-release-type-report"],"yoast_head":"\nWorld Retail Banking Report 2020 - 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