{"id":908429,"date":"2025-04-04T07:01:42","date_gmt":"2025-04-04T07:01:42","guid":{"rendered":"https:\/\/www.capgemini.com\/pl-pl\/?post_type=research-and-insight&#038;p=908429"},"modified":"2025-04-04T07:01:56","modified_gmt":"2025-04-04T07:01:56","slug":"top-retail-banking-trends-2025","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/top-retail-banking-trends-2025\/","title":{"rendered":"Top retail banking trends 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:46% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\"><br>Trendy w bran\u017cy bankowo\u015bci detalicznej na 2025 rok<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Retail-Banking.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><span>Download trends book<\/span><span class=\"type\">2 MB  pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Infographic_Retail-Banking-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><span>Download infographic<\/span><span class=\"type\">138 KB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-wykorzystaj-wyzwania-branzowe-do-budowania-trwalej-przewagi-konkurencyjnej\"><strong><strong>Wykorzystaj wyzwania bran\u017cowe do budowania trwa\u0142ej przewagi konkurencyjnej<\/strong><\/strong><\/h2>\n\n\n\n<p>W miar\u0119 jak przemys\u0142 bankowo\u015bci detalicznej zmienia si\u0119 w 2025 roku, nowe trendy ca\u0142kowicie zmieniaj\u0105 rynek. Najnowszy raport Capgemini wymienia trzy g\u0142\u00f3wne obszary, kt\u00f3re b\u0119d\u0105 kszta\u0142towa\u0107 przysz\u0142o\u015b\u0107 bankowo\u015bci detalicznej:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Klient na pierwszym miejscu<\/strong> \u2013 poprawa do\u015bwiadcze\u0144 klient\u00f3w poprzez \u0142atwy dost\u0119p do us\u0142ug we wszystkich kana\u0142ach oraz oferowanie lepszych produkt\u00f3w i us\u0142ug.<\/li>\n\n\n\n<li><strong>Zarz\u0105dzanie firm\u0105<\/strong> \u2013 upraszczanie proces\u00f3w w celu zwi\u0119kszenia elastyczno\u015bci i obni\u017cenia koszt\u00f3w dzi\u0119ki technologii.<\/li>\n\n\n\n<li><strong>Inteligentna bran\u017ca<\/strong> \u2013 wprowadzanie nowoczesnych rozwi\u0105za\u0144, kt\u00f3re pomagaj\u0105 stworzy\u0107 kompleksowe cyfrowe do\u015bwiadczenia, zmieniaj\u0105c spos\u00f3b \u015bwiadczenia us\u0142ug finansowych.<\/li>\n<\/ul>\n\n\n\n<p>Raport Capgemini pokazuje wi\u0119c, jak banki reaguj\u0105 na zmieniaj\u0105ce si\u0119 wyzwania i szanse, przygotowuj\u0105c si\u0119 na przysz\u0142o\u015b\u0107, kt\u00f3ra b\u0119dzie skoncentrowana na kliencie, efektywna i innowacyjna. Daje pe\u0142ny przegl\u0105d najwa\u017cniejszych trend\u00f3w w bankowo\u015bci detalicznej, kt\u00f3re b\u0119d\u0105 mia\u0142y wp\u0142yw na bran\u017c\u0119 w nadchodz\u0105cych latach, oraz wskaz\u00f3wki dla bank\u00f3w, dotycz\u0105ce tego jak mog\u0105 pozosta\u0107 konkurencyjne, wspiera\u0107 wzrost i sprosta\u0107 rosn\u0105cym wymaganiom klient\u00f3w.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/Capgemini_Top-Trends-2025_Retail-Banking.pdf\">Pobierz<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Trendy w bran\u017cy bankowo\u015bci detalicznej na 2025 rok<\/h2><\/div><p>Sprawd\u017a, jak najnowsze zmiany w bankowo\u015bci detalicznej wp\u0142ywaj\u0105 na bran\u017c\u0119, ustalaj\u0105c nowe standardy efektywno\u015bci, innowacji i korzy\u015bci dla klient\u00f3w.<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Klient na pierwszym miejscu<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Do\u015bwiadczenie wielokana\u0142owe<\/strong><\/strong><br>Dzi\u015b klienci cz\u0119sto korzystaj\u0105 z r\u00f3\u017cnych kana\u0142\u00f3w, zar\u00f3wno cyfrowych, jak i tradycyjnych. Jednak oddzielne systemy mog\u0105 sprawia\u0107, \u017ce obs\u0142uga staje si\u0119 mniej p\u0142ynna. W 2025 roku jednym z g\u0142\u00f3wnych trend\u00f3w w bankowo\u015bci detalicznej b\u0119dzie przej\u015bcie na bardziej zintegrowane podej\u015bcie, kt\u00f3re poprawi do\u015bwiadczenia klient\u00f3w i zwi\u0119kszy ich lojalno\u015b\u0107.<br><strong><strong>Edukacja finansowa<\/strong><\/strong><br>W miar\u0119 jak cyfrowe platformy staj\u0105 si\u0119 coraz popularniejsze, klienci cz\u0119sto musz\u0105 samodzielnie podejmowa\u0107 decyzje finansowe. W zwi\u0105zku z tym banki b\u0119d\u0105 musia\u0142y bardziej skupi\u0107 si\u0119 na edukowaniu klient\u00f3w. Dzi\u0119ki temu klienci b\u0119d\u0105 bardziej lojalni i ch\u0119tniej skorzystaj\u0105 z innych us\u0142ug banku.<br><strong><strong>Bankowo\u015b\u0107 dla kolejnych pokole\u0144<\/strong><\/strong><br>Banki chc\u0105 przyci\u0105gn\u0105\u0107 m\u0142odszych klient\u00f3w. B\u0119d\u0105 skupia\u0107 si\u0119 na tworzeniu ofert dostosowanych do ich potrzeb oraz na wdra\u017caniu narz\u0119dzi bankowych i edukacyjnych, kt\u00f3re b\u0119d\u0105 \u0142atwe w u\u017cyciu i odpowiadaj\u0105ce ich oczekiwaniom.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Zarz\u0105dzanie przedsi\u0119biorstwem<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Odporno\u015b\u0107 operacyjna<\/strong><\/strong><br>Digital Operational Resilience Act (DORA) zmusza banki i kluczowych dostawc\u00f3w do wprowadzenia silnych zabezpiecze\u0144 IT. Banki detaliczne mog\u0105 unikn\u0105\u0107 zar\u00f3wno problem\u00f3w z reputacj\u0105, jak i kar regulacyjnych, skupiaj\u0105c si\u0119 na cyfrowej odporno\u015bci operacyjnej.<br><strong><strong>RegTech dla zgodno\u015bci<\/strong><\/strong><br>Banki detaliczne staj\u0105 przed wyzwaniami, jakie wi\u0105\u017c\u0105 si\u0119 z rosn\u0105cymi kosztami i d\u0142u\u017cszym czasem potrzebnym na spe\u0142nienie wymaga\u0144 prawnych i regulacyjnych. Szacuje si\u0119, \u017ce w 2025 roku firmy finansowe b\u0119d\u0105 po\u015bwi\u0119ca\u0107 na to jeszcze wi\u0119cej czasu. Aby rozwi\u0105za\u0107 ten problem, banki zaczn\u0105 inwestowa\u0107 w technologie, kt\u00f3re automatycznie pomog\u0105 im spe\u0142nia\u0107 te wymagania i sk\u0142ada\u0107 raporty, co pomo\u017ce im zyska\u0107 przewag\u0119 nad konkurencj\u0105.<br><strong><strong>Wzrost depozyt\u00f3w<\/strong><\/strong><br>Wysokie koszty kapita\u0142u i spadaj\u0105ca liczba depozyt\u00f3w to dwa g\u0142\u00f3wne problemy, z kt\u00f3rymi borykaj\u0105 si\u0119 banki detaliczne. Aby temu zaradzi\u0107, planuj\u0105 pozyskiwa\u0107 nowych klient\u00f3w i oferowa\u0107 pakiety produkt\u00f3w, kt\u00f3re pomog\u0105 im obni\u017cy\u0107 koszty finansowania i dotrze\u0107 do os\u00f3b, kt\u00f3re wol\u0105 przechowywa\u0107 swoje pieni\u0105dze w formie got\u00f3wki.<br><strong><strong>Efektywno\u015b\u0107 procesu onboardingu<\/strong><\/strong><br>Op\u00f3\u017anienia w procedurach onboardingu nie s\u0105 dobrze odbierane przez klient\u00f3w &#8211; proces weryfikacji to\u017csamo\u015bci (KYC) trwa \u015brednio trzy dni. Banki detaliczne zaczynaj\u0105 u\u017cywa\u0107 narz\u0119dzi cyfrowych, kt\u00f3re przyspieszaj\u0105 ten proces i poprawiaj\u0105 jego dok\u0142adno\u015b\u0107.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Inteligentny przemys\u0142<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Sztuczna inteligencja dla zwi\u0119kszenia efektywno\u015bci<\/strong><\/strong><br>Rola sztucznej inteligencji w bankowo\u015bci detalicznej przesz\u0142a od analizowania danych za pomoc\u0105 uczenia maszynowego do generowania tre\u015bci. W 2025 roku technologia ta zbli\u017cy si\u0119 do tzw. Agentic AI, czyli sztucznej inteligencji, kt\u00f3ra dzia\u0142a na zasadzie autonomicznych agent\u00f3w, pomagaj\u0105cych bankom w personalizacji us\u0142ug i automatyzacji operacji \u2013 wprowadzaj\u0105c nowe poziomy wydajno\u015bci i efektywno\u015bci.<br><strong><strong>Strategia produktowa ESG<\/strong><\/strong><br>Rosn\u0105ca presja ze strony inwestor\u00f3w i zmiany regulacyjne zmuszaj\u0105 banki detaliczne do poprawy dzia\u0142a\u0144 zwi\u0105zanych z ESG \u2013 ten trend b\u0119dzie widoczny tak\u017ce w 2025 roku w ca\u0142ej bran\u017cy bankowo\u015bci detalicznej. Proaktywne wdra\u017canie rozwi\u0105za\u0144 ESG poprawi wizerunek bank\u00f3w i pozwoli na budowanie g\u0142\u0119bszych, bardziej zaufanych relacji z inwestorami i klientami.<br><strong><strong>Wykorzystanie otwartej bankowo\u015bci<\/strong><\/strong><br>Nowe przepisy dotycz\u0105ce otwartej bankowo\u015bci umo\u017cliwiaj\u0105 bankom detalicznym uzyskanie pe\u0142nego obrazu danych o kliencie. Dzi\u0119ki coraz powszechniejszemu dost\u0119powi do kompleksowych danych finansowych w czasie rzeczywistym, banki b\u0119d\u0105 mog\u0142y \u0142atwiej integrowa\u0107 informacje o klientach w jednej platformie \u2013 poprawiaj\u0105c wygod\u0119 klient\u00f3w, mo\u017cliwo\u015bci sprzeda\u017cy krzy\u017cowej i podejmowanie lepszych decyzji kredytowych.<span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-wnioski\"><strong><strong>Wnioski<\/strong><\/strong><\/h2>\n\n\n\n<p>W 2025 roku bran\u017ca bankowo\u015bci detalicznej b\u0119dzie pod wp\u0142ywem zmian w oczekiwaniach klient\u00f3w, rozwoju technologii oraz zmieniaj\u0105cych si\u0119 zagro\u017ce\u0144.<br><span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>W centrum tej zmiany znajd\u0105 si\u0119 innowacje skierowane na potrzeby klient\u00f3w. Banki detaliczne b\u0119d\u0105 pracowa\u0107 nad popraw\u0105 do\u015bwiadcze\u0144 klient\u00f3w i swoich zespo\u0142\u00f3w oraz rozwija\u0107 us\u0142ugi skierowane do m\u0142odszych generacji.<\/li>\n\n\n\n<li>Efektywno\u015b\u0107 proces\u00f3w stanie si\u0119 wa\u017cnym celem bank\u00f3w w 2025 roku. Organizacje b\u0119d\u0105 wykorzystywa\u0107 nowoczesne technologie, by wzmocni\u0107 odporno\u015b\u0107 operacyjn\u0105 i zautomatyzowa\u0107 procesy zgodno\u015bci z przepisami.<\/li>\n\n\n\n<li>Sztuczna inteligencja i <em>open finance<\/em> b\u0119d\u0105 coraz powszechniejsze w bankowo\u015bci detalicznej. Firmy b\u0119d\u0105 d\u0105\u017cy\u0107 do wykorzystania danych w podejmowaniu decyzji oraz wprowadzania innowacyjnych produkt\u00f3w zwi\u0105zanych z ESG.<\/li>\n<\/ul>\n\n\n\n<p>Wdro\u017cenie tych trend\u00f3w b\u0119dzie kluczowe dla przysz\u0142o\u015bci bankowo\u015bci detalicznej. Banki, kt\u00f3re b\u0119d\u0105 je traktowa\u0107 priorytetowo, poprawi\u0105 warto\u015b\u0107 swoich us\u0142ug dla klient\u00f3w, otworz\u0105 nowe mo\u017cliwo\u015bci, zabezpiecz\u0105 swoj\u0105 przysz\u0142o\u015b\u0107 i stan\u0105 si\u0119 liderami bran\u017cy w 2025 roku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-w-czym-moze-pomoc-ci-capgemini\"><strong><strong>W czym mo\u017ce pom\u00f3c Ci Capgemini?<\/strong><\/strong><\/h2>\n\n\n\n<p>Capgemini to zaufany partner dla bank\u00f3w detalicznych, kt\u00f3re chc\u0105 wykorzysta\u0107 nowoczesne technologie, aby utrzyma\u0107 konkurencyjno\u015b\u0107 na szybko zmieniaj\u0105cym si\u0119 rynku. Nasze kompleksowe us\u0142ugi, takie jak Gen AI dla do\u015bwiadcze\u0144 klienta, Inteligentna Automatyzacja Proces\u00f3w, Connected Marketing oraz transformacja centr\u00f3w kontaktowych, pozwalaj\u0105 bankom szybciej wprowadza\u0107 innowacje w zakresie do\u015bwiadcze\u0144 klient\u00f3w, zwi\u0119ksza\u0107 efektywno\u015b\u0107 operacyjn\u0105 i osi\u0105ga\u0107 oszcz\u0119dno\u015bci kosztowe. Dzi\u0119ki naszemu do\u015bwiadczeniu w cyfrowej transformacji oraz specjalistycznej wiedzy umo\u017cliwiamy firmom pe\u0142ne wykorzystanie potencja\u0142u, jaki kryje si\u0119 w AI, zapewnienie zgodno\u015bci z regulacjami oraz popraw\u0119 efektywno\u015bci operacyjnej we wszystkich funkcjach.<\/p>\n\n\n\n<p>Odkryj pe\u0142ny potencja\u0142 swojej firmy dzi\u0119ki mo\u017cliwo\u015bciom cyfrowej transformacji oferowanym przez Capgemini. Skontaktuj si\u0119 z nami ju\u017c dzi\u015b, aby dowiedzie\u0107 si\u0119, jak mo\u017cemy pom\u00f3c Ci prowadzi\u0107 bankowo\u015b\u0107 detaliczn\u0105.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\n\n\n\n\n\n\n\n\n<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 62110a43-af0b-4530-b001-9c34b0a058e8\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Banking top trends 2025\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanking top trends 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explore our new trends books 2025 series to understand evolving developments across the banking industry\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplore our new trends books 2025 series to understand evolving 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section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-nbsp\"><strong>Frequently asked questions<\/strong>&nbsp;<\/h2>\n\n\n\n<p><strong><strong>1. How can retail ranks win as customers shift towards digital banking services?<\/strong><\/strong><\/p>\n\n\n\n<p>Retail banks can take advantage of the customer shift towards digital banking services by transitioning from a siloed multichannel approach to an end-to-end omnichannel customer interaction strategy. This shift allows banks to provide seamless and integrated experiences across various platforms, enhancing convenience and accessibility for customers. Additionally, offering digital financial literacy programs and personal finance apps can boost customer confidence in managing their finances, while engaging with younger customers through youth banking services helps build long-term relationships.<\/p>\n\n\n\n<p><strong>2. What steps can retail banks take to keep up with the pace of regulatory changes?<\/strong><\/p>\n\n\n\n<p>To keep up with the pace of regulatory changes, retail banks can adopt RegTech solutions for automated reporting and proactive regulatory compliance. These technologies enable banks to streamline compliance processes, ensuring they meet evolving regulations efficiently and effectively. Furthermore, increasing focus on digital operational resilience through technology partnerships can enhance banks&#8217; ability to adapt to regulatory requirements while maintaining service continuity.<\/p>\n\n\n\n<p><strong><strong>3. How can retail banks leverage AI solutions for improved efficiency and customer experience?<\/strong><\/strong><\/p>\n\n\n\n<p>Retail banks can drive improved efficiency and customer experience by deploying AI solutions to automate routine tasks and enhance decision-making processes. For instance, AI can be used for data analysis to develop a 360-degree view of customers&#8217; finances, which enables personalized savings and investment advice tailored to individual needs. Additionally, integrating AI-driven tools into customer service operations can enhance responsiveness and satisfaction by providing timely, relevant support, ultimately fostering stronger customer relationships.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Stay informed<\/h3><p class=\"description\" data-maxlength=\"210\">Subscribe to receive our retail banking trends<br><\/p><\/div><div class=\"button-wrapper has-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Subscribe <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">Subscribe<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_1084813_3913742500\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"1084813\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"9a67bcc628\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Dzi\u0119kujemy! 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