World Retail Banking Report 2020

World Retail Banking Report 2020

An inventive approach to banking is a must for sustainable growth. The World Retail Banking Report (WRBR) 2020 from Capgemini and Efma explores the importance of platformification in the Open X era, with a modern core system as an enabler.

Traditional banking value chain limits approaches to retain/engage customers while new entrants are scaling up. To catch-up with such new-age players, especially in the current COVID-19 situation, banks need low cost innovation. Hence, they must embrace Open X by adopting data-centric business models with a focus on experience and collaboration.

Adopting a platform-based model will present banks with opportunities to collaboratively innovate in an effective way with faster time to market, enabling them to provide an excellent customer experience.

The report also highlights the importance of modern core banking systems in driving a platform-based business and discusses a progressive approach for core banking transformation and API implementation in parallel.

For details about the World Retail Banking Report 2020, visit, follow #WRBR20, or contact us at

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Previous editions

World Retail Banking Report 2019

29 October 2019

World Retail Banking Report 2018

20 September 2018

World Retail Banking Report 2017

15 June 2017


Digital/Mobile channels Bank Products & Services Transformation API/Open banking Business strategy/Model