Gartner Research

Banking Industry Scenarios in 2030 — The Individualist Bank: People Matter

Published: 25 July 2018

ID: G00357413

Analyst(s): Jason Malo , Christophe Uzureau , Don Free


Banking and investment services CIOs unanimously agree that the industry status quo is unsustainable, yet differ on what value to create in the future, and how. For financial institutions in the individualist scenario, BIS CIOs know their markets intimately and invest in enabling their front line.

Table Of Contents


  • Characteristics of an Individualist Future
  • Recognize When Conditions Support an Individualist Scenario
    • Autonomous Adaptability: People-Led
    • Ecosystem Usage/Model: Narrow Access to Value Creation
    • Critical Success Factors and Leading Indicators
  • A Day in the Life of an Individualist Bank
  • Action Plan for the CIO
    • Be Relevant to Community Needs
    • Enablement and Succession Planning
    • Resource Optimization Is Key
    • Grow Organically

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