{ "docId": "019dd923-5de0-76bd-a167-d97b47181c2f", "docSlug": "df6f7ffbb24bfbd2", "documentTitle": "Banking: The future is back", "authorId": "Accenture", "authorName": "Accenture", "documentKindSlug": "consulting-deck", "documentKindLabel": "Consulting deck", "sourceTypeSlug": "strategy_consulting", "sourceTypeLabel": "Strategy consulting", "presentationDate": null, "orientation": "landscape", "aspectRatio": 1.778, "pageNumber": 47, "pageCount": 48, "prevPage": 46, "nextPage": 48, "slideType": "appendix_disclosure", "function": "appendix", "density": "balanced", "nDataPoints": 0, "notes": null, "elementsJson": [ "numbered_list" ], "metadataConfidence": 1, "imagePath": null, "slideHref": "/slides/019dd923-5de0-76bd-a167-d97b47181c2f/47", "deckHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f", "deckJsonHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f.json", "deckAnchorHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f#slide-47", "components": [ { "bbox": { "h": 0.63, "w": 0.35, "x": 0.153, "y": 0.221 }, "kind": "list", "text": "1. Accenture Research analysis of 27 leading banks’ mobile app ratings.\n2. Accenture, Life Trends 2024.\n3. Accenture, Global Banking Consumer Study, 2024.\n4. Ibid.\n5. Ibid.\n6. World Bank Group, The Global Findex Database 2021.\n7. Accenture Research analysis.\n8. Nu Holdings, Q3 2024 Financial Results, 13 November 2024.\n9. Accenture Research analysis based on Nu Holdings FY2023 financial statement.\n10. Block, 2024 Annual Report.\n11. Sifted, US-focused AI fintech Cleo hits $150m ARR and eyes return to the UK, 6 November 2024.\n12. Digital Finance, How Standard Charter is embedding itself in Asia’s e-commerce, 15 November 2023.\n13. Accenture, Top 10 Banking Trends for 2024, January 2024.\n14. Accenture, Research analysis of 152 leading banks across the globe.\n15. Apollo Global Management, Investor Day, October 2024.\n16. JPMorgan Chase & Co., Transcript of Earnings Call, 14 July 2023.\n17. JPMorgan Chase & Co., 2023 Annual Report, April 2024.\n18. Citigroup press release, Citi and Apollo Announce $25 Billion Private Credit, Direct Lending Program, 26 September 2024.\n19. Accenture Research analysis of lending portfolios of 152 leading banks across the globe.\n20. Citigroup press release, Citi and Apollo Announce $25 Billion Private Credit, Direct Lending Program, 26 September 2024.\n21. BNN Bloomberg, Trader Bonus Hopes Swell on Wall Street After Big Banks Surge, 16 October 2024.\n22. Accenture Research analysis.\n23. Accenture Research analysis of JPMorgan Chase’s segment results.\n24. Accenture, Global Banking Consumer Study, 2024.\n25. Qorus, Lunar unveils Europe’s first GenAI native voice assistant for customer service, 26 October 2024.", "attrs": null, "subkind": "numbered", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "3c5144a4-0c97-42c7-b670-cef9fbf0be1b", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.63, "w": 0.35, "x": 0.565, "y": 0.221 }, "kind": "list", "text": "26. Citizens Financial Group website.\n27. Royal Bank of Canada Website.\n28. Revolut, 2023 Annual Report.\n29. HSBC PayMe website.\n30. Wikipedia, Wright’s Law.\n31. Evident AI Symposium, Opening keynote address by Teresa Heitsenrether, 21 November 2024.\n32. Klarna, 90% of Klarna staff are using AI daily – game changer for productivity, 14 May 2024.\n33. Accenture estimate.\n34. Accenture, How Reinvention-Ready Companies Are Driving Growth and Relevance with Gen AI, 17 September 2024.\n35. Accenture Research analysis\n36. Baidu, openEuler has achieved a 50% market share in five years, 18 November 2024.\n37. European Commission, Open source software strategy 2020-2023, 3 November 2020.\n38. BankInfoSecurity, Backdoor Found and Defused in Widely Used Linux Utility XZ, 1 April 2024.\n39. Fintech Open-Source Foundation, The 2024 State of Open Source in Financial Services, September 2024.\n40. Meta, Open-Source AI Is the Path Forward, 23 July 2024.\n41. Hugging Face website.\n42. The Banker, Banks embrace open source for code, contribution and community, 25 April 2024.\n43. Alphabet, 2024 Q3 Earnings Call, 29 October 2024.\n44. Wired, AI Is Rewiring Coders’ Brains. Yours May Be Next, 8 February 2024.\n45. Accenture, Build your tech and balance your debt, 22 October 2024.\n46. Revolut, 10 traits for engineering excellence at Revolut.\n47. Seeking Alpha, Klarna shuts down Salesforce as service provider, Workday to meet same fate amid AI initiatives, 28 August 2024.\n48. Accenture, Data Essentials in the Age of Generative AI, 22 October 2024.\n49. Santander, 7 questions on how Gravity is transforming Santander.", "attrs": null, "subkind": "numbered", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "dc6d4648-3985-4293-97b0-d85d19bc2d6c", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.035, "w": 0.135, "x": 0.129, "y": 0.158 }, "kind": "title", "text": "References", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "bf1a226f-7899-486a-b3c5-de2e4c593bc7", "frameworkName": null, "frameworkSlug": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 48, "from": 46, "beatId": "019dd95a-0680-7418-8209-357e1fee8713", "arcName": "The Triple Take", "arcSlug": "triple-take", "beatName": "The Action (Now What)", "beatSlug": "triple-take-the-action-now-what", "evidence": "Conclusion 'No simple transition to bank of 2030' calling for human+machine reconciliation", "position": 3, "confidence": 88, "parentBeatName": "Resolution", "parentBeatSlug": "resolution" }, { "to": 48, "from": 46, "beatId": "019dd95a-0680-7418-8209-48cf4d073949", "arcName": "Voyage and Return", "arcSlug": "voyage-return", "beatName": "Lessons Applied", "beatSlug": "voyage-return-lessons-applied", "evidence": "Bank of 2030 = digital efficiency reconciled with personal empathy", "position": 5, "confidence": 62, "parentBeatName": "Reflection", "parentBeatSlug": "reflection" } ], "loops": [], "imagePathAlt": null, "thumbSrc": null, "thumbSrcAlt": null, "locked": true }