Global Research ab 6 January 2025 APAC Technology UBS Tech Views: CES kicking off, Microsoft capex comments, China smartphone subsidies and TSMC 2nm schedule updates CES kicks off the tech calendar this week. CES will be hosted this week in Las Vegas with over 4,000 exhibitors and 138k+ attendees along with keynotes and press conferences from NVIDIA, Intel, Samsung and AMD among others. The Taiwan press expects ASIC plays such as Alchip (3661) & Mediatek (2454) to potentially see stronger sentiment support ...

Public Disclosure Authorized Understanding the Challenges and Constraints of Bhutanese Youth in Accessing Employment Opportunities Tshering Choki and Alvin Etang1 November 30, 2023 Poverty and Equity Global Practice, South Asia Region 1 Tshering Choki is the Director of Athang Training Academy, Athang Private Limited, Thimphu, Bhutan. Alvin Etang is a Senior Economist in the Poverty and Equity Global Practice of the World Bank. The report was prepared as a background paper for the Bhutan Poverty and Equity ...

Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized REGIONAL INVESTMENT IN VIET NAM CHALLENGES AND OPPORTUNITIES THE WORLD BANK DECENTRALIZATION & SPATIAL INTEGRATION ADVISORY PROGRAM JANUARY 2024 Public Disclosure Authorized 1 ENJEUX MODERNES D'UNE VILLE MILLÉNAIRE - - - - - - - - - - - 2 REGIONAL INVESTMENT IN VIET NAM THE WORLD BANK DECENTRALIZATION & SPATIAL INTEGRATION ADVISORY PROGRAM REGIONAL INVESTMENT IN VIET NAM THE WORLD BANK DECENTRALIZATION & SPATIAL INTEGRATI ...

行业投资评级 - 报告未明确给出行业投资评级 [1][2][3] 核心观点 - 报告分析了120个经济体，覆盖全球90%的人口，并将这些国家分为低收入、中等收入和高收入三类 [2] - 低收入国家定义为人均GDP低于5000美元，中等收入国家为5000至20000美元，高收入国家为20000美元以上 [2] - 报告提出了“赋能线”概念，用于衡量个人获得基本生活需求所需的私人现金支出，包括食品、住房、能源、交通、医疗、教育等 [3][6] - 赋能线的计算基于2022年和2023年的生活成本数据，并考虑了10%的娱乐支出和5%的储蓄缓冲 [3][6] - 报告通过分析劳动市场指标（如劳动参与率、失业率、稳定工作比例）和支出成本（如住房、食品、交通、医疗、教育）来评估经济赋能的潜力 [12][16] - 报告提出了“成本效益比”概念，用于衡量公司通过改善收入或降低生活成本带来的经济赋能效果 [21][22] 收入侧分析 - 全球范围内，工资是大多数人的主要收入来源 [12] - 报告使用四个劳动市场指标来评估收入稳定性：15至64岁人口比例、劳动参与率、失业率、稳定工作比例 [12] - 对于人均GDP高于10000美元的国家，报告考虑了时间相关的就业不足和低工资率 [13] - 对于人均GDP低于10000美元的国家，报告更关注正式就业比例 [13] - 报告通过匹配最佳表现国家的指标来估算各国通过改善收入实现经济赋能的潜力 [15] 支出侧分析 - 报告重点关注赋能篮子中最大的五个支出项：住房、食品、交通、医疗和教育，这些支出占经济赋能所需消费的80% [16] - 报告计算了每个支出项的“最低成本线”，并通过统计方法排除了异常值 [18][19] - 报告通过匹配最低成本线来估算各国通过降低生活成本实现经济赋能的潜力 [20] 成本效益比 - 成本效益比用于衡量公司通过改善收入或降低生活成本带来的经济赋能效果 [21] - 报告举例说明，如果公司更有效地针对低于赋能线的员工，成本效益比可能会提高 [22]

Mosaic™ by ACT®: Social Emotional Learning Screener Technical Manual December 2024 © 2024 by ACT Education Corp. All rights reserved. | Chapter 1 Introduction 1 | | --- | | Chapter 2 Screener Overview 2 | | 2.1 Social Emotional Skills Defined 2 | | 2.2 Framework for Social Emotional Skills 2 | | 2.3 School Climate 3 | | 2.4 Item Details 4 | | 2.5 Scoring and Reporting 5 | | Chapter 3 Reliability and Validity Evidence 7 | | 3.1 Elementary School Assessment 7 | | 3.2 Middle School Assessment 14 | | 3.3 High S ...

House with solid fill Capgemini Financial Services Top Trends 2025 Lending and Leasing A qr code with black squares Description automatically generated Explore Top Trends 2025 Explore Top Trends 2025 January 2025 RESEARCH INSTITUTE The Capgemini FS Top Trends 2025 span three broad themes House with solid fill Customer First Enterprise Management Transforming customer experience focusing on omnichannel interactions and the value of products and services Revamping processes, teams, solutions, and operations t ...

House with solid fill Capgemini Financial Services Top Trends 2025 Wealth Management A qr code with black squares Description automatically generated Explore Top Trends 2025 Explore Top Trends 2025 January 2025 RESEARCH INSTITUTE The Capgemini FS Top Trends 2025 span three broad themes House with solid fill Transforming customer experience focusing on omnichannel interactions and the value of products and services Customer First Enterprise Management Revamping processes, teams, solutions, and operations to ...

Capgemini Financial Services Top Trends 2025 Retail Banking Explore Top Trends 2025 January 2025 RESEARCH INSTITUTE The Capgemini FS Top Trends 2025 span three broad themes Customer First Enterprise Management Transforming customer experience focusing on omnichannel interactions and the value of products and services Revamping processes, teams, solutions, and operations to run enterprises with greater agility and operational efficiency to optimize the cost of doing business Intelligent Industry Leveraging t ...

House with solid fill Capgemini Financial Services Top Trends 2025 Life Insurance Description automatically generated Explore Top Trends 2025 Explore Top Trends 2025 Intelligent Industry Leveraging the most modern solutions to deliver an end-to-end digital experience that transforms the value chain –from design to delivery of intelligent products and services Capgemini FS Top Trends 2025 #FinancialServicesTrends2025 Public © Capgemini 2025. All rights reserved | 3 January 2025 RESEARCH INSTITUTE A qr code w ...

行业投资评级 - 报告未明确给出具体的行业投资评级 [1][2][3] 核心观点 - 报告围绕2025年金融服务的三大主题展开：企业、客户管理和智能行业，重点关注数字化转型、客户体验提升和运营效率优化 [4][5] - 金融服务行业正在通过技术创新和流程优化来应对市场变化和监管要求，特别是在财富管理、零售银行和支付领域 [7][8] 财富管理 - 财富管理公司正在通过数字化平台整合服务，提供无缝的客户体验，并利用人工智能提供个性化投资建议 [7] - 财富管理公司通过外部扩张策略拓宽服务范围并增加收入，同时实施ESG资产透明度指标以满足监管要求 [7] - 云原生财富管理平台正在通过扩展工作流程和降低成本来提升财富管理效率 [7] 零售银行 - 零售银行通过全渠道客户旅程提升客户体验，特别是在数字平台、联系中心和分支机构之间 [7] - 零售银行正在通过金融素养应用和个人预算工具提升客户信心，并推动金融包容性 [7] - 零售银行通过数字身份管理提高入职效率，并利用人工智能提升员工效率 [7] 支付 - 开放金融用例的增长得益于监管机构对金融数据访问的改进 [7] - 即时支付通道正在取代支票和借记卡，而移动钱包继续保持其主导地位 [7] - 云支付中心提供统一的多轨道支付处理能力，增强了支付灵活性 [7] 资本市场 - 资本市场组织正在通过数字化和自动化KYC流程降低合规成本并提升客户体验 [9] - 资本市场组织通过生成式人工智能创建可操作的洞察力，提升运营效率和差异化竞争优势 [71][72] - 资本市场组织正在通过分布式账本技术（DLT）和代币化实现主流金融的数字化转型 [63][64] 可持续金融 - 银行正在加速绿色贷款，利用可持续金融作为增长引擎，预计到2030年全球绿色债券市场将达到1万亿美元 [20][23] - 金融机构正在将ESG风险标准纳入投资策略和风险管理流程，推动低碳投资以降低碳足迹 [8][20] 技术转型 - 资本市场组织正在通过现代化平台提升系统弹性，以应对网络攻击和满足监管要求 [55][56] - 生成式人工智能在资本市场中的应用预计将为全球银行业每年增加2000亿至3400亿美元的价值 [71][72] 全球结算加速 - 全球T+1结算周期的推动正在加速，特别是在英国和欧盟市场，预计2027年实施 [81][84] - 北美市场已成功实施T+1结算周期，确认率达到98%以上，失败交易率保持在4%以下 [84] 交易报告优化 - 金融机构正在通过自动化和标准化流程优化交易报告，以提高数据质量和控制效率 [92][93] - 金融机构正在通过外包和托管服务来应对交易报告中的复杂性和合规挑战 [96]