Infographic: World Wealth Report 2015

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The World Wealth Report 2015 infographic explores the wealth, population and asset allocation of global high net worth individuals (HNWIs). The global population of high net worth individuals and their wealth hit new highs as almost 1 million joined HNWI ranks. Asia-Pacific overtook North America HNWI population by a slim margin and is expected to take the lead in global HNWI wealth by end of 2015. China and the U.S. drove 52% of global HNWI population growth. Learn more about the World Wealth Report 2015 from Capgemini and RBC Wealth Management at http://www.worldwealthreport.com.

Economy & Finance

Global Population of High Net Worth Individuals and their
Wealth Hit New Highs as Almost 1 Million Join HNWI Ranks
World Wealth Report 2015
From Capgemini and
RBC Wealth Management
920,000
new millionaires in 2014
Asia-Paciﬁc overtakes North America HNWI1
population by slim margin ….
Expected to overtake global HNWI wealth lead by end of 2015
... China and the U.S. drove 52% of global HNWI population growth
CASH &
DEPOSITS EQUITIES
REAL
ESTATE
FIXED
INCOME
ALTERNATIVE
INVESTMENTS
27%
Global HNWI
Investing
Trends2
18%17%
26%
13%
The Credit Story
HNWI Investing Trends
Although HNWIs do not have a single
source of social impact advice, of those
HNWIs seeking advice:
Making an Impact
www.worldwealthreport.com
1
HNWIs are defined as those having investable assets of US$1 million or more, excluding primary residence, collectibles, consumables, and consumer durables.
2
Note percentages in the pie chart do not add up to 100 due to rounding.
3
Wealthiest HNWIs are those with US$20 million or more.
Source: Capgemini and RBC Wealth Management HNW Insights Survey, 2015.
Copyright @ Capgemini and RBC Wealth Management. All Rights Reserved.
HNWIs look to their wealth managers
for social impact advice across these
key areas.
Global Wealth is Forecast to Reach US$70.5 Trillion by 2017
Who’sborrowingmore?
Whyaretheyborrowing?
18% of HNWI assets financed through
borrowed money
40%
Investments
ofof assets
of assets
More assets are now invested
in equities
than held in cash
get it from
wealth managers
get it from
family members
get it from friends
Identifying key goals
Translating causes into
opportunities
Implementing different
approaches
Measuring effectiveness
of the social impact plan
Of the HNWIs
currently receiving advice,
54% are looking for more
advice from wealth managers
HNWIs
22%
Real Estate
of HNWIs
14% of HNWIs
Business
Purposes
27%
22%
HNWIs under 40
Wealthiest
HNWIs3
of assets19%
Female HNWIs
EUROPE
3.98mm POPULATION
$12.97t WEALTH
4.0%
4.7%
NORTH AMERICA
4.68mm POPULATION
$16.23t WEALTH
8.3%
9.1%
#1
LATIN AMERICA
500K POPULATION
$7.66t WEALTH
-2.1%
-0.5%
AFRICA
200K POPULATION
$1.44t WEALTH
5.2%
7.0%
ASIA-PACIFIC
4.69mm POPULATION
$15.82t WEALTH
8.5%
11.4%
#1
MIDDLE EAST
600K POPULATION
$2.28t WEALTH
7.7%
8.2%
30%
27%
22%

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Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition. Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.

Top Trends in Payments: 2021

Capgemini

A combination of factors, including demographic changes, evolving consumer preferences, and regulatory and compliance mandates, were already spurring change in the health insurance industry. Enter 2020 and the COVID-19 pandemic, which is having sweeping implications for the industry. At the peak of disruption, the focus was on ensuring business continuity, but new initiatives are cropping up to tackle the challenges as the industry adapts to the new normal. Furthermore, some changes are here to stay, and it will be prudent for the industry players to be resilient to the market shifts by being agile, improving member centricity, making processes intelligent, and embracing the open ecosystem. Read our Health Insurance Top Trends 2021 report to explore the strategies insurers are adopting to manage the external pressures.

Health Insurance Top Trends 2021

Capgemini

The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus. To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences. To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.

Top Trends in Retail Banking: 2021

Capgemini

Capgemini’s Connected Autonomous Planning

Capgemini

Financial services is undergoing a paradigm shift that is forcing incumbent retail banks to rethink growth strategies as they struggle to remain relevant. Growing competition from BigTechs, FinTech firms, and challenger banks has added to the complexity created by increasingly stringent regulatory and compliance requirements. Customers now expect a seamless customer journey and personalized offerings because they have become accustomed to top-notch individualized service from GAFA giants Google, Apple, Facebook, and Amazon. The changing ecosystem offers established banks new, unexplored opportunities and encourages a transition beyond traditional products to meet the exacting requirements of today’s customers. Bank collaboration with FinTech and RegTech partners is becoming commonplace. Incumbents are exploring point-of-sale financing and unsecured consumer lending, while they also boost their digital channel competencies to reach a broader customer base. Banks are beginning to accept open APIs and are working with third-party specialists to create an open shared marketplace. Technological advancements such as AI are fueling efforts to evolve customer onboarding and touchpoint processes. Increasingly, banks are turning to design thinking methodology to understand the customer journey, extract deep insights, and develop a more refined user experience across the customer lifecycle. Our analysis of the top retail banking trends for 2020 offers a glimpse into the fast-changing banking ecosystem and explores the tools and solutions being used to face new-age challenges.

Top Trends in Retail Banking: 2020

Capgemini

Aspects of the life insurance industry have remained constant for years – and so have premiums. Traditional savings products have taken a huge hit in terms of attractiveness because low interest-rates prevail. Meanwhile, the risk landscape is shifting, and insurers need to align better with the emerging business environment, manage changing customer preferences, and improve operational efficiencies. Within today’s scenario, industry players are undertaking tactical and strategic shifts in attempts to manage unpredictable market dynamics. Insurers must develop alternative products to breathe new life into policies and leverage emerging technologies (artificial intelligence (AI), analytics, and blockchain) to improve efficiency, agility, flexibility, and customer-centricity. Read Top Trends in Life Insurance: 2020 for a look at the innovative steps future-focused insurers are considering to meet industry challenges and opportunities.

Top Trends in Life Insurance: 2020

Capgemini

The health insurance industry is evolving and undergoing significant changes. As the risk landscape shifts, insurers are working to improve operational efficiencies, meet evolving customer preferences, and align better with the changing business environment. Accordingly, payers must adapt and align business models and offerings. An incisive tactical approach is required to accommodate members’ needs and related emerging risks — medical, health, and environmental. Advanced technologies such as artificial intelligence, analytics, automation, and connected devices are enabling insurers to manage these changes proactively, partner with members, and help to prevent risks, all the while continuing to fulfill payer responsibilities. Read Top Trends in Health Insurance: 2020 to learn which strategies insurers are adopting to navigate and align with today’s challenges.

Top Trends in Health Insurance: 2020

Capgemini

Top Trends in Payments: 2020

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