凱捷+2023年世界云報告+–+金融服務(wù)-英

World

ReportSeries2023Cloud

in

Financial

ServicesIS

YOUR

CLOUD

JOURNEYTAKING

YOU

WHERE

YOUNEED

TO

GO?CREATE

BUSINESS

VALUE

IN

AN

INNOVATION-POWERED

FUTURE2Worldd

CClloouudd

RReeppoorrtt

--

FFiinnaanncciiaall

SSeerrvviicceess

22002233CONTENTSForeword34Executive

summaryIt’s

not

about

cloud,

but

cloud-enabledbusiness

growth5Composable

platforms

are

instrumental

tomeeting

business

needs12An

e?ective

cloud

migration

roadmapcreates

business

value1927In

conclusionMethodology2829Partner

with

CapgeminiWorld

Cloud

Report

-

Financial

Services

20233FOREWORDThe

?nancial

services

(FS)

industry

has

adopted

the

cloud

as

part

of

its

digital

transformation

toenable

superior

customer

experience

(CX),

reduce

technology

debt,

individualize

services,

improveagility,

catalyze

innovation,

and

facilitate

the

adoption

of

new

technologies

such

as

generative

AI.As

cloud

strategies

and

investments

reach

executive

agendas,

?nancial

institutionsareleveragingthe

advantages

of

cloud-enabled

customer

experiences

to

remain

competitive.In

this

inaugural

World

Cloud

Report

-

Financial

Services,

we

aim

to

o?er

a

comprehensive

perspectiveon

cloud

maturity

andits

profound

impactonfinancialservices.

The

reportidentifies

how

FSsubdomains

manage

cloud

adoption,

including

common

challenges

during

deployment

e?ortsfocused

on

CX

improvement,

data

residency,

data

sovereignty,

or

cloud

regulatory

compliance.

Witha

con?uence

of

expertise

in

?nancial

services

and

cloud

technology,

and

long-term

relationships

withtrusted

cloud

providers,

we

were

well-positioned

to

create

this

global-view

report.Cloud-based

platforms

enable

robust

customer

satisfaction,

innovation,

productivity,

and

scalability.It’s

not

just

about

cloud

migration

but

the

customer

experience

and

operational

excellence

it

makespossible.

While

the

cloud

will

constantly

undergo

evolution

and

disruption,

value

creation

will

remainconstant.

Wehope

the

WorldCloud

Report-Financial

Services

2023bene?ts

yourtransformationjourneys

and

drives

innovation

that

bolsters

business

value.Enjoy

the

read.Ravi

KhokharGlobal

Head

of

Cloud

for

Financial

ServicesCapgemini4World

Cloud

Report

-

Financial

Services

2023EXECUTIVE

SUMMARYThe

financial

services

industry

today

is

across

layers

over

a

legacy

or

cloud-enabled

coreexperiencingvolatilityspurredbyongoingin?ation,

engine.

This

helps

to

increase

?exibility,

improveinterest

rate

hikes,

and

recovering

stock

markets.

digital

collaboration/integration,

enhanceTo

address

these

market

dynamics

and

maintain

scalability

through

modular

mechanisms,

realizebusiness

growth,

?nancial

?rms

are

strategically

coste?ciency,andenrichcustomerexperience.embracingdigitaltransformation.Adoptingcloud-Aphasedapproachhelps?rmssuccessfullyaddenabled

solutions

during

their

transformation

platformcomponentsandprioritizefunctionalitiesjourney

is

now

becoming

essential

to

gaining

a

for

cloud

migration;

while

risk

managementcompetitiveadvantage.functions

are

a

priority

for

banks,

policy

servicingand

management

and

customer

relationshipmanagement

are

essential

for

insurers.

However,as

financial

services

functionalities

transform,some?rmswillfacechallengesarounddataandcostoverrunsduringcloudmigration.IT'S

NOT

ABOUT

CLOUD,

BUTCLOUD-ENABLED

BUSINESSGROWTHMore

than

80%

of

the

financial

servicesindustryexecutivessurveyedforthisreportagreethat

firms

can

overcome

business

challengesand

unleash

growth

through

superior

customerexperience

and

operational

excellence.

Andthe

rightplatform

is

critical

for

the

scalability,flexibility,

productivity,

innovation,

andagility

arecriticaltoovercomingcloudmigrationchallengesrequiredtomeetindustryandcustomerdemands.

and

enabling

business

growth

for

?nancial

servicesCloudasanenableriscatalyzinggrowthfor

companies.

Asa

first

step,

consider

an

end-to-?nancialservices?rms,as91%ofourrespondents

end,

phased

approach

to

digital

transformation

inindicated.

New-age

players

essentially

born

in

?nancial

services;

this

starts

by

prioritizing

the

keythe

cloud

leveraged

this

competitive

advantage

businesses

and

adoption

areas.

Next,

it

is

essentialtofueltheirinitialsuccessesandwincustomer

to

create

and

then

implement

a

path

for

cloudmindshare.Now,incumbentbanksandinsurersare

modernization,

enablement,

and

implementation.fully

engaged

in

their

own

cloud

journeys.

Across

And?nally,understandingandtakingfulladvantagethe

?nancial

services

sector,

cloud

migration

has

of

cloud-enabled

systems

to

deliver

the

bestrisen

signi?cantly

from

37%

in

August

2020

to

91%

customerexperienceisessential.AN

EFFECTIVE

CLOUDMIGRATION

ROADMAP

CREATESBUSINESS

VALUE91%of

respondentsindicated

cloudis

an

enablerA

comprehensive

cloud

strategy

and

roadmapcatalyzing

growthin

?nancial

servicesin

August

2023.aNearly

half

of

the

?nancial

services

executivesWhile

non-core

applications

have

most

we

polled

across

domains

said

operationalde?nitelyexperiencedacloudmigrationupsurge,

productivityisimperativeforstrategicbusinessmany?rmshavenotmovedaconsiderableportion

growth,

while

40%

of

them

also

consideredoftheircoreapplicationstoacloud-computing

customersatisfactionasanintegralpillardrivingtheenvironment.

Instead,

many

opt

for

a

“l(fā)ift

and

growth

plan.

In

line

with

these

business

priorities,shift”modelthatcanhindercloud-basedsystems'

cloudmigrationfunctionalitiesbeingprioritizedfull

scalability

and

?exibility

advantages.by

firms

include

risk

and

customer

relationshipmanagementareas.COMPOSABLE

PLATFORMS

AREINSTRUMENTAL

TO

MEETINGBUSINESS

NEEDSOnce

?rms

identify

these

areas,

the

next

step

isto

de?ne

and

implement

an

e?ective

cloud

targetoperating

model

–

focusing

on

ROI,

talent,

APIstrategy,

infrastructure,

security,

cloud

providers,and

cloud

partners.

Cleansing

all

data

for

accurate,A

composable

platform

will

help

financial

appropriate,

secure,

and

timely

input

is

alsoservices

?rms

rede?ne

processes,

move

to

cloud,

essential.and

integrate

cloud-enabled

customer-facingByimplementingcloudatscale,?nancialservicesapplicationsandcoreback-endfunctionalities:

?rms

can

fully

unlock

their

abilities

to

leverage

newoperational

impact

and

improved

customer

technologiessuchasgenerativeAI.Acloud-enabledsatisfaction

will

be

the

result.

This

platform

ecosystemwillhelpprovideacompetitiveedgeinanapproach

leverages

pre-built

components

spread

innovation-poweredfuture.aCloud

adoption:

An

FS

?rm

adopts

cloud

when

it

integrates

a

cloud

service

(i.e.,

SaaS,

PaaS,

or

IaaS)

or

an

application/process

acrossits

core

and

non-core

functionalities.

However,

cloud

adoption's

migration

varies

signi?cantly.

Our

executive

interviews

and

analysesindicate

that

cloud

adoption

for

core

functionalities

is

relatively

lower

than

for

non-core

functions.World

Cloud

Report

-

Financial

Services

20235It

’s

not

about

cloud,

but

cloud-enabledbusiness

growthFinancial

ser

vices

firms

face

gusty

demands

and

realizing

operationalefficiencymacroeconomic

headwinds

today,

shifting

for

?nancial

service

?rms.

Eighty-nine

percentcustomer

demands,

evolving

technology,

and

of

?nancial

services

?rm

executives

said

the

rightaggressivecompetitionfromagilenewcomers.

platform

is

critical

todelivering

the

scalability,Pragmatic

firms

with

an

eye

on

survival

and

?exibility,

productivity,

innovation,

and

agilitysuccessarefocusingonbusinessgrowth,drivenby

required

to

meet

escalating

business

demands.customer

experience

and

operational

excellence,

And

modern-day

technology

platforms

arebasedontheresponsesof80%ofthefinancial

optimized

when

they

are

cloud

enabled.

Cloudservices

executives

we

interviewed

as

part

of

enables

financial

services

firms

to

addressour

Cloud

Survey

of

Financial

Services

Firms

2023

business

challenges

by

powering

growth

and(Figure

1).streamliningoperations.However,thechallengesTechnological

agility

and

scalability

are

keys

posed

by

legacy

systems

and

processes

constrainto

accommodating

ever-evolving

customer

the

capabilities

of

banks

and

insurers.If

yougoback

?ve

totenyears,

?nancial

services

?rms

werefocused

ontechnological

aspects

of

the

cloudandhowitcouldhelpreduceoverall

costs.Althoughcost

e?ciency

isstill

aconsideration,

most

?rms

looktothe

cloudnowtodeliver

on

business

transformationobjectives,

whether

improvingcustomerexperience,

expandingbusiness

models

or

geographic

reach,

establishingacultureof

innovation,

or

drivingoperational

excellence.”Charith

MendisHead

of

Worldwide

Banking

Industry,

Amazon

Web

ServicesFigure1.What?nancialservices

executives

say

abouttheirorganizations’pathto

growth87%91%Financialservices

?rmssayimprovedclientexperienceiskeyforbusinessgrowthFinancialservices

executivesviewa

cloud-?rstapproachasimportantforgrowthClientExperienceThiscanbedeliveredbyanagileandscalablewhichcanonlye?ectivelybebuiltonarelookingforwhichwillcomefromStrongclientexperienceandoperationalFinancial?rmsGrowthPlatformexcellenceCloudasanenableristheanswertodriveFSbusinessgrowth81%89%Financialservices

?rmsstronglyfeeloperationale?ciencycanalsodrive

growthFinancialservices

?rmsconsiderhavingtherightplatformasessentialtoachievingbusinessgoalsOperationalE?ciencySource:CapgeminiResearchInstituteforFinancialServices,2023;CapgeminiCloudSurvey

ofFinancialServicesFirms2023(N=500).6World

Cloud

Report

-

Financial

Services

2023New-age

players

leverage

cloud-Geneva-based

platform

provider

Temenos.

TheBritish

multinational

bank

Standard

Charteredleveraged

the

expertise

of

London-basedcloudbanking

technology

company

ThoughtMachinetoset

up

its

virtual

bank

Mox

in2020,which

resulted

in

50%

customer

acquisitiongrowth

four

months

after

implementation.3

4AXA

UK

Retail

launched

the

digital

insurancebrand

Moja

in

Q3

2022,

leveraging

modularcloud-hosted

technologies

to

meet

the

needsenabled

platform

e?cienciesto

power

superior

customerexperienceWhich

?rms

are

catalyzing

business

throughcloud-enabled

platforms?

New-age

financialservices

companies

set

ahigh

bar.The

averageNet

Promoter

Score

(NPS?)

of

the

banking

andbinsurance

sectors

ranged

from

26

to31in

2022.1of

digital

natives.

In

European

markets

in5However,

new-age

players

had

a

much

higher(~2.5X)

NPS

score

than

established

financialservices

companies.For

example,

Nubank

(Brazil),

Klarna(Sweden),

and

Lemonade

(US)

earned

an

averageNPS

score

of

80,

leading

to

signi?cant

customergrowth.

Why?

Superior

customer

experience2022,

insurer

Allianz

Direct,

an

Allianz

Groupdigital

subsidiary,

partnered

with

Rocketset,areal-time

analytics

database

built

for

cloud,todeliver

real-time

pricing

for

policies.6Leading

banks

and

insurers

needenabled

by

composable

platforms

that

leverage

cloud-enabled

customercloud

technology

to

respond

quickly

to

customer

experience

strategies

to

catch

updemands

and

changing

behaviors.

As

new-Whilenew-ageplayersanddigitalsubsidiariesage

players

continuetomature

in

consistency,offer

superior

customer

experience

(CX),scale,

and

customer

trust,

banks

and

insurersincumbentbanksandinsurersseektoleveragecan

leverage

learnings

from

the

initial

successtheir

business

scale

advantage

to

boost

customerof

these

players

to

offer

the

right

customerexperience

and

raise

NPS

scores.

However,experience

and

build

operational

excellence.the

inability

of

banks

and

insurers

to

deliverpersonalization

and

seamless

multi-channelengagement,

self-service

access,

consistentcustomer

support,

and

quick

response

timeimpedes

the

capabilities

to

provide

customersatisfactiononthelevel

ofnew-age

players.

Inaddition,

this

limits

their

ability

to

be

ready

for

theopen

?nance

era,

where

they

have

to

be

a

part

of

acomplex

and

intertwined

ecosystem.The

newageplayers

haveshown

exceptional

growthdespitequestions

on

their

ability

togrowbeyondacertainscale.

The

next

frontier

wouldbe

todrivepro?tability

-andfor

banking,

that

wouldmean

complex

areas,

suchaslendingandcommercial

banking.”Zac

MaufeGlobal

Head

of

Regulated

Industries,

Google

CloudInthe

?nancial

services

industry,digital

business

platforms

andcross-industry

collaborations

makeprocessesanddata

growinthe

cloud.

Activitiescloselyintertwined

withnon-?nancialsectors

areto?ourish

inmanybusinesses,

likeconsumer

?nance,insurance,

banking,

or

payments.

Thisfosters

amore

interconnectedanddynamic

ecosystemthat

wehavetothinkabout

thoroughly,

articulate,simplify,

andprotect.”As

a

substantial

portion

of

customer

acquisitionfunnels

through

digital

channels,

leading

?nancialservices?rmsareestablishingdigital-onlysubsidiariesorinvestingheavilyindigital-channelimprovements.In

Europe,

for

example,

consumers

who

use

digitalchannels

to

purchase

banking

products

increasedfrom

33%

in

2020

to

45%

in

2023.

By

2027,

nearly

84%of

US

customers

will

likely

bank

online.2Digitalsubsidiariescanenable?nancialserviceplayers

to

bolster

online

banking

capabilities

andopportunities

for

new

market

expansion

withan

eye

on

customer

acquisition,

innovation,

andagility.Whiletherevenue-generatingabilityofmany

of

thesesubsidiaries

is

yet

to

be

proven,this

trend

has

been

playing

out

worldwide.

In

Emmanuel

SardetSpain,

Santander

established

open

banking

with

Deputy

Group

CIO

and

Group

CTO,the

help

ofa

core

banking

solution

o?ered

by

Credit

AgricolebNet

Promoter,

Net

Promoter

System,

Net

Promoter

Score,

NPS,

and

the

NPS-related

emoticons

are

registered

trademarks

of

Bain

&Company,

Inc.,

Fred

Reichheld

and

Satmetrix

Systems,

Inc.World

Cloud

Report

-

Financial

Services

20237A

cloud-enabled

CX

strategy

can

help

resolvethese

business

issues

(Figure

2).enhance

client,

employee,

and

developerexperiences

by

building

innovative

solutionswith

cloud-native

services.9?

Spanish

Banking

GroupBBVA

migrated

itscustomer

services

function

to

cloud

to

enablepersonalized

experiences

and

boost?

Zurich

Insurance

selectedaleading

US

cloudvendor

to

migrate

its

IT

infrastructure

(1,000applications)toa

public

cloudbythe

end

of2025.10

Through

this

migration,

Zurich

aimsto

evolve

its

business

and

provide

morepersonalized

insurance

products

to

itscustomers.?

AXA

Mansard

Insurance,

a

part

of

the

AXAGroup,hasusedacloud-basedmobileplatformcalled

MyAXA

Plus

since

May

2021.Customerscanmanage

their

insurance

policies

and

fileclaimsthroughoneinterface.11

Thisprovidescustomerswithamorepersonalized,seamless,and

satisfying

experience.customer

satisfaction.

Since

its

20197migration,

BBVA

reduced

customer

waittimes

by42%and

shortened

response

timesby

45%in

Peru.

The

bank

went

from

aday

toan

hour

to

resolve

urgent

customer

requestsin

Spain.?

In

2022,

HSBC

entered

into

a

multi-yearpartnership

with

a

US-based

cloud

technologysolutions

provider

to

use

automation

to

scaleup

business

based

on

customer

demands

andlocal

markets.8?

Morgan

Stanley

collaborated

witha

leadingcloud

provider

in

2021

to

accelerate

themodernization

of

its

IT

environment

andWefacedabusiness

challengewhere

analyzingone

dayof

data

tookover24hours,

makingitimpossibletomeet

our

timeconstraints.

However,transitioningtoascalable

cloudsolutionreducedresponse

timebyover50%.

This

was

possiblebecause

wecouldeasilyscale

uptoprocess

the

data

andthenscale

down,

resultinginsigni?cant

cost

savings.

It

was

anideal

use

case

for

the

cloudmigration.”Richard

JonesVice

President,

Enterprise

Information

Services,

Wawanesa

Mutual

Insurance

CorporationFigure

2.

Customerexperienceenabledbycloud-basedplatformsdeliverscompetitiveadvantagesImprovedcustomersatisfactionFasterspeedtomarket?

Drivesstrongcustomerexperience?

Closesgapbetweencustomerexpectationandvaluedelivered?

Newmarketlaunchagility?

Innovativeproducts-as-a-servicethroughcloudplatforms81%74%FasterproductinnovationImprovedscalability?

AIadvantagesofcloudplatforms?

Cloudanalyticsfornewinsights?

Agilityinproductdevelopment?

Efficientappsprocessing?

Globalscalability76%80%Improvedoperationalproductivity?

HighDevOpsproductivity?

Enhanceddatacomputation?

On-the-gocollaboration77%Source:CapgeminiResearchInstituteforFinancialServices,2023;CapgeminiCloudSurveyofFinancialServicesFirms2023(N=500).8World

Cloud

Report

-

Financial

Services

2023Cloud

adoption

across

?nancialservices

is

accelerating...Why

has

cloud

adoption

accelerated

duringvery

recent

years?

Financial

services

?rms

havegained

substantial

value

from

cloud

to

addressgrowing

demands

for

enhanced

transparency,streamlined

customer

service,

and

improvedoperational

e?ciency.

Moreover,

data

securityand

resiliency

concerns

are

declining

ascloud

technology

matures

and

use

increases.However,

industry

experts

warn

that

a

high

rateof

cloud

adoption

does

not

imply

that

?rms

haveachieved

full-scale

or

even

e?ective

migration.Most

financial

services

firms

are

adoptingcloud

technology

without

redefining

theirbusiness

processes,

instead

opting

for

a

“l(fā)iftand

shift”

model

that

impedes

cloud

systems’full

scalability

and

?exibility

advantages.So,

where

do

banks

and

insurersstand

intheir

cloud-based

platform

journeys?

Financialservices

executives

told

us

their

cloud

adoption(partial

or

complete)

rose

from37%in

August2020

to

91%

in

August

2023

(Figure

3).

As

a

resultof

the

high

adoption

rate,

only5%

of

?nancialservices

?rms

reported

having

no

plans

to

adoptcloud

in

the

future

in

2023,a

substantial

dropfrom

50%

in

2020.

Our

survey

found

NorthAmerica

to

be

the

global

leader,

with

a

98%

rateof

cloud

adoption

among

?nancial

services

?rmsin

the

region.91%of

FS

executivessaid

cloudadoption

waspartial

or

completeas

of

August

2023Optingfor

a'liftandshift'

approach

can

hinder

businesses

intheir

cloudadoptionjourney,

as

rushingthe

movetocloud‘a(chǎn)sis’

oftenleads

tomissedopportunities

for

modernizationandfull

utilizationof

cloudservices.

Focusingsolelyon

migratingquicklyraises

doubts

about

realizingthe

cloud'strue

bene?ts,as

itgoes

beyondsimpledata

andapplicationtransfer

–itmust

be

about

truetransformation.”Steven

J.

WebbExecutive

Director

–

Public

Cloud

Product

Owner,

Middleware

Integration,

Wells

FargoFigure3.Financialservices

?rmsdemonstratesigni?cantcloudadoptiongrowthCloudadoptionin?nancialservicesindustry,August2020vsAugust2023Cloudadoption(partial/complete)by

region,August20235%4%Notconsidering/NoplantoadoptNorthAmerica98%50%CurrentlyevaluatingEMEAAPAC93%13%37%91%Cloudadoptedpartially/completely77%Aug2020Aug2023Source:CapgeminiResearchInstituteforFinancialServices,2023;CapgeminiCloudSurvey

ofFinancialServicesFirms2023(N=500).World

Cloud

Report

-

Financial

Services

20239While

all

?nancial

services

segments

haveexperienced

robust

cloud

adoption,

payment?rms

stood

out,

with

a

signi?cant

jump

from

32%in

August

2020

to

96%

in

August

2023,

accordingto

our

Cloud

Survey

of

Financial

Services

Firms2023

(Figure

4).

The

Covid-19

pandemic

andits

aftermath

contributed

signi?cantly

to

thisgrowth

as

consumers

and

businesses

relied

ondigital

payment

transactions,

which

created

animperative

for

embracing

cloud-enabled

digitalsystems.Globally,

public

cloud

adoption

is

on

therise

across

all

industries.

In

2023,

spending

onpublic

cloud

services

is

expected

to

reach

nearlyUSD

597.3

billion,with

software

as

a

service(SaaS),

infrastructure

as

a

service

(IaaS),andplatform

as

a

service

(PaaS)

cloud

businessmodels

accounting

for

~80%

of

the

market.12According

to

a

2023

Gartnerstudy,

based

onend-user

spending,

SaaS

dominates

and

remainsthe

largest

segment

of

the

cloud

market

(~33%).Based

on

our

discussions

with

?nancial

servicesindustry

executives

and

experts,

the

industry’scloud

adoption

also

followsa

similar

pattern.Most

?rms

adopt

SaaS

?rst,

followed

by

PaaSand

IaaS.Typically,anykeytechnology

buildsupfor

some

timewhileitmatures,

andthe

usage

remains

aplateau.

Then,

as

the

adoptionmatures,

the

curve

takeso?signi?cantly.

Wearewitnessingthe

same

withrespect

tocloudadoption.”Molly

ChowdhuryChief

Information

O?cer,

HSBC

USFigure

4.

Thepaymentssegmentleadsin?nancialservices

cloudadoptionCloudadoption(partial/complete)by

FSdomain96%94%93%91%88%87%85%51%46%43%32%32%27%29%PaymentsCapitalMarketsWealthManagementRetailBankingLifeInsuranceHealthInsuranceP&CInsuranceAug

2020Aug

2023Aug

2020Aug

2023Source:CapgeminiResearchInstituteforFinancialServices,2023;CapgeminiCloudSurveyofFinancialServicesFirms2023(N=500).10World

Cloud

Report

-

Financial

Services

2023…but

cloud

migration

and

itsimpact

remain

unevenCloudtransformationprojectsshouldbe

ambitious

andbold,

andshouldlooktotransfer

coreworkloadstocreatevalue;

althoughtheremay

be

aCloud

investments

have

happened

so

farin

modern,

user-friendly,

customer-facingapplications,oftenfueledbyarti?cialintelligence(AI).

Use

cases

include

self-service

portals,onboarding

and

know-your-customer

tools,

fewmore

challenges

thanmovingnon-transaction-based

functionalities

such

as

coreworkloads,

itwon’tbe

signi?cantlypayments,

and

even

the

agent-broker

tools

used

more.”to

serve

insurance

policyholders

(Figure

5).However,

?rms

have

made

fewer

investmentsinthemiddle-layerandcoreprocessing,

spurring50%+of

FS

executivessaid

core

businessapplications

havenot

been

migratedto

cloudTonyColemanpoor

user

experience

and

low

latency.

ExamplesChief

Technology

O?cer,

Temenosof

systems

receiving

less

investment

includeemployee

productivity

tools,

risk

managementandcompliance

systems,

data

management,service

chain,

negatively

impacting

operationale?ciency

and

customer

experience,

as

depictedproduct

development

and

management,

and,in

Figure

1.most

importantly,

core

banking

and

insuranceEventually,

firms

intend

to

shift

their

on-systems.premises

core

back-office

functions

to

cloudMore

than

50%

of

the

financial

servicesprimarilytounlock

the

full

value

of

cloud.

Theindustry

executives

wesurveyed

say

they

haverationale

behind

this

approach

lies

in

harnessingnot

migrated

core

business

applications

toimproved

scalability,

cost-efficiency,

andcloud.

At

the

same

time,

industry

experts

andoperational

agility,

all

essential

for

enhancinganalysts

often

cite

an

even

lower

percentageoverall

performance

and

maintainingranging

from

20%

to

30%,

particu