Accenture’s Banking and Cash Management Trends for 2025
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Key Takeaways
⇨ Embrace new technologies, especially AI and automation, to enhance service delivery, improve efficiency, and innovate banking processes.
⇨ Shift towards open-source systems and architectures to customize operations, reduce costs, and provide hyper-personalized banking experiences for customers.
⇨ Focus on scalability to remain competitive in the evolving banking landscape, while also preparing for regulatory changes that may affect partnerships and cash management strategies.
Like many other industries, banking is going through drastic changes driven by rapidly advancing technologies. Automation and AI offer significant opportunities, while increasing regulatory pressure may make operations more difficult.
This can trickle down to SAP organizations, affecting how they manage their cash and set themselves up for financial success. To help organizations and their clients be better prepared for the changes that 2025 could hold, accenture created a list of some of the biggest trends in banking and cash management.
Embrace New Technologies
Many of Accenture’s top predictions involve companies changing the tools they use as well as the way they do business. Technologies like Generative AI could allow banks to make their services more proactive and interactional.
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It also holds the potential to automate processes like risk and compliance testing, as well as other manual data entry tasks. Companies can use this time to drive more human-centric innovations. Companies can also use AI to develop apps and perform coding tasks, as well as managing technical debt by migrating from older platforms.
Business as Usual is No More
With these new technologies also comes pressure to change how companies operate – GenAI could push companies towards new banking-specific architectures and marketplaces. Companies may be more inclined to use banks with these offerings, so financial institutions should prepare for AI integration to be standard.
Accenture also predicts that open-source systems and architecture will play a larger role in the future, as it allows companies to customize and scale their operations, reduce costs, and bolster innovation. This is a part of another predicted trend – connectivity.
Companies may shift from a customer-centric model, ensuring that users have offerings that can meet their needs, rather than focusing on the individual solutions that they offer. Users are likely to seek out hyper-personalized banking experiences. This means financial institutions should be prepared to offer solutions that anticipate customer needs and provide analytics that help guide decision making to promote long-term growth.
What This Means for SAPinsiders
Use all tools at your disposal. The promise that AI holds is vast, and it will dramatically change how banks operate internally, automating manual tasks, enhancing efficiency, and empowering customer-facing employees to focus on higher-value activities. Open-source systems and composable architectures are also positioned to drive banking innovation, increasing agility and relying less on manual and outdated technology.
Scalability is the key to success in the future. As the gap between larger and smaller companies expands, those organizations that are unable to scale will be left behind. Companies should ensure that they have the necessary technological solutions to scale rapidly to meet their growth targets.
Prepare for regulatory shifts. With new and non-traditional financial institutions, organizations should be prepared to rethink their partnerships with banks, finding new ways to derive value from their partners and seeking new avenues for cash management advantages.
