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➧ INSTRUÇÃO: Read the text.
Revolution Accelerated
How Digital Transformation is Shaping the Future of Banking
Like all businesses, banks have had to act fast to
respond to the unprecedented human and economic
impact of Covid-19.
First, they needed to keep the lights on and ensure
business continuity. Second, they had to meet the
changing ways customers wanted to engage. Finally,
they sought to balance their business priorities with a
responsibility to support society. Previous crises cast
the banks as part of the problem — this time they are
part of the solution.
Banks who have embraced modern banking
technology have fared better in meeting these
challenges. They’ve moved seamlessly to remote
working, kept up service for their customers, coped
with huge increases in demand and quickly adapted
their products. In contrast, banks using legacy
‘spaghetti’ software have struggled.
Covid-19 has accelerated the need for modern
banking technology, but it didn’t create it. Before
coronavirus, the 2020s were already being framed as
the decade for digital in the banking industry. Banks’
return on equity were too low and their cost-income
ratios were too high. Meanwhile, regulation like open
banking was disrupting the industry and increasing
competition from new entrants like the GAAFAs
(Google, Amazon, Alibaba, Facebook, Apple).
Providing seamless digital customer experiences
was therefore already a ‘must’. Every year, Temenos
partners with the Economist Intelligence Unit (EIU)
for a global study on the future of banking. More
than 300 banking leaders are interviewed from retail,
commercial and private banks. Over half of these are
at C-suite level.
In 2020, the study took place amid the Covid-19
crisis. The results give a fascinating insight into banking
leaders’ approach during these unprecedented times.
But they also show how they see their industry in the
years to come.
And the findings suggest three trends which will
shape the future of banking:
1. New technologies will be the key driver
of banking transformation over the next 5 years.
77% of respondents strongly believed that Artificial
Intelligence (AI) will be the most game-changing of
these technologies. They see a diverse range of uses
for AI — from personalised customer experience to
fraud detection.
2. Banks will overhaul their business models
to create digital ecosystems. 80% of respondents
believe that banking will become part of a platform
of services. 45% are committed to transforming their
business models into digital ecosystems.
3. The sun will set on branch banking. World
Bank data shows that visits to branches have been
steadily declining globally over the last decade. As
a result of coronavirus, customers are now more
concerned about visiting their branch, and so even
more people are willing to try digital applications.
This combination of pandemic and increasingly
transformative advanced technology has led a
majority of respondents (59%) to our survey with the
EIU to state that traditional branch-based banking
model will be dead in just five years. That’s a 34%
increase from last year.
The current environment is undoubtedly
challenging for banks. But they have the capital,
customer relationships and customer data. They are
regulated. And most importantly: they still enjoy their
customers’ trust.
In short, banks are best-placed to succeed if
they commit to end-to-end digital transformation.
That means a fully digital front office which creates
hyper-personalized experiences and ecosystems.
And a back office driving efficient operations and
rapid innovation. By embracing modern banking
technology, banks can support their customers today,
create new value for the future and drive new levels
of future growth.
Available at: <https://www.cnbc.com/advertorial/how-digital-
-transformation-is-shaping-the-future-of-banking>.
Retrieved on: July 13th, 2021. Adapted.
01 – (CESGRANRIO-BB-ESCRITURÁRIO-AGENTE COMERCIAL)
The overall purpose of the text is
(A) to explain how the banking industry works.
(B) to discuss the impact of the coronavirus pandemic on
the health system.
(C) to launch new investment opportunities in the banking
industry.
(D) to state that digital transformation in banking has been
accelerated by the coronavirus pandemic.
(E) to promote new AI technology that will change the
future of banking.
__RESPOSTA (D)__
The overall purpose of the text is
O objetivo geral do texto é
(A) to explain how the banking industry works.
(explicar como funciona o setor bancário.)
(B) to discuss the impact of the coronavirus pandemic on the health system.
(discutir o impacto da pandemia do coronavírus no sistema de saúde.)
(C) to launch new investment opportunities in the banking industry.
(lançar novas oportunidades de investimento no setor bancário.)
(D) to state that digital transformation in banking has been accelerated by the coronavirus pandemic.
(Afirmar que a transformação digital no setor bancário foi acelerada pela pandemia de coronavírus.)
(E) to promote new AI technology that will change the future of banking.
(promover uma nova tecnologia de IA que mudará o futuro do setor bancário.)
02 – (CESGRANRIO-BB-ESCRITURÁRIO-AGENTE COMERCIAL)
According to the 2nd paragraph of the text, after the
Covid-19 outbreak, banks initially had to face the following
number of challenges:
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
__RESPOSTA (C)__
03 – (CESGRANRIO-BB-ESCRITURÁRIO-AGENTE COMERCIAL)
In paragraph 6, the personal pronoun they, used twice
in the sentence
“But they also show how they see their
industry in the years to come”,
refers to the following
fragment at the same paragraph:
(A) the study
(B) the results
(C) banking leaders
(D) Covid-19 crisis
(E) unprecedented times
__RESPOSTA (B)__
04 – (CESGRANRIO-BB-ESCRITURÁRIO-AGENTE COMERCIAL)
In the sentence of the last paragraph
“In short, banks are
best-placed to succeed if they commit to end-to-end digital
transformation”,
the phrase In short conveys an idea of
(A) cause
(B) addition
(C) emphasis
(D) conclusion
(E) time sequence
__RESPOSTA (D)__
05 – (CESGRANRIO-BB-ESCRITURÁRIO-AGENTE COMERCIAL)
From the sentence of the last paragraph,
“By embracing
modern banking technology, banks can support their
customers today, create new value for the future and drive
new levels of future growth”,
it is inferred that
(A) banks cannot grow after the coronavirus pandemic.
(B) modern banking technology can help reshape the
present and the future of banks.
(C) modern technology can frustrate the present and the
future of the banking industry.
(D) as result of the coronavirus pandemic, banks will not
be able to meet customers’ demands in the future.
(E) due to the coronavirus pandemic, banks are not able
to meet customers’ expectations in the present.
__RESPOSTA (B)__
➧ RESOLUÇÃO RÁPIDA:
- PERCEBA que no último parágrafo, não foi mencionado a frase nominal "THE CORONOVIRUS PANDEMIC".
- Portanto, de imediato, eliminamos as alternativas (A), (C), (D) e (E) que fazem uso da frase "THE CORONOVIRUS PANDEMIC".
- Sendo assim, restou a alternativa (B) que é a unica opção que não faz menção da frase citada acima.
➧ OUTRA FORMA DE RESOLUÇÃO:
From the sentence of the last paragraph,
(Da sentença do último parágrafo)
“By embracing modern banking technology, banks can support their customers today, create new value for the future and drive new levels of future growth”,
(Ao adotar a tecnologia bancária moderna, os bancos podem apoiar seus clientes atualmente, podem criar novo valor para o futuro e podem impulsionar novos níveis de crescimento futuro)
it is inferred that
(infere-se que)
(A) banks cannot grow after the coronavirus pandemic.
(os bancos não podem crescer após a pandemia de coronavírus.)
(B) modern banking technology can help reshape the present and the future of banks.
(a tecnologia bancária moderna pode ajudar a remodelar o presente e o futuro dos bancos.)
(C) modern technology can frustrate the present and the future of the banking industry.
(a tecnologia moderna pode frustrar o presente e o futuro do setor bancário.)
(D) as result of the coronavirus pandemic, banks will not be able to meet customers’ demands in the future.
(como resultado da pandemia de coronavírus, os bancos não poderão atender às demandas dos clientes no futuro.)
(E) due to the coronavirus pandemic, banks are not able to meet customers’ expectations in the present.
(devido à pandemia de coronavírus, os bancos não conseguem atender às expectativas dos clientes no presente.)
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