Future Skills and Jobs in Finance金融业未来技能与职业发展金融業未來技能與職業發展

Produced by Luxembourg for Finance in partnership with McKinsey & Company, this report examines how financial services jobs and skills are evolving amid economic instability, shifting consumer expectations, and new technology. It notes that financial services is moving from cycles of change lasting around 20 years to cycles of just 18 to 36 months, and that by 2026 more than 90% of the global population will have a smartphone — a level of connectivity that, combined with 5G, quantum computing, AI, and the Internet of Things, will transform everyday interactions with financial services. A recent McKinsey survey cited in the report found that organisations identify data analytics (43%), IT management (26%) and executive management (25%) as their greatest skills gaps, with reskilling programmes most often focused on critical thinking and decision making (44%), leadership (41%), and advanced data analysis (36%).本报告由卢森堡金融业协会联合麦肯锡公司编制，探讨了在经济不稳定、消费者预期变化及新技术冲击下，金融服务行业的岗位与技能需求正如何演变。报告指出，金融服务业的变革周期正从约20年缩短至仅18至36个月；到2026年，全球逾90%人口将拥有智能手机，这一连接程度，加之5G、量子计算、人工智能及物联网的发展，将彻底改变人们与金融服务日常互动的方式。报告援引麦肯锡近期一项调查显示，机构将数据分析（43%）、IT管理（26%）及高管管理（25%）列为最大的技能缺口，而技能提升项目最常聚焦于批判性思维与决策能力（44%）、领导力（41%）及高级数据分析能力（36%）。本報告由盧森堡金融業協會聯合麥肯錫公司編製，探討了在經濟不穩定、消費者預期變化及新技術衝擊下，金融服務行業的崗位與技能需求正如何演變。報告指出，金融服務業的變革週期正從約20年縮短至僅18至36個月；到2026年，全球逾90%人口將擁有智能手機，這一連接程度，加之5G、量子計算、人工智能及物聯網的發展，將徹底改變人們與金融服務日常互動的方式。報告援引麥肯錫近期一項調查顯示，機構將數據分析（43%）、IT管理（26%）及高管管理（25%）列為最大的技能缺口，而技能提升項目最常聚焦於批判性思維與決策能力（44%）、領導力（41%）及高級數據分析能力（36%）。

The report finds that automation offers the greatest potential in data processing (around 70%) and data collection (around 65%), activities on which financial professionals currently spend about half their time — from mortgage brokers and insurance sales agents completing forms to underwriters and bank tellers verifying data. Yet automation will not replace the need for people: through 2030, demand for skills such as creativity, critical thinking, decision making, project management, problem solving and complex information processing is expected to grow at cumulative double-digit rates, and demand for entrepreneurship and initiative-taking will grow especially quickly. The report examines how these dynamics will play out across banking, wealth management, asset management, private equity and venture capital, and insurance, and highlights emerging cross-sectoral roles in sustainability leadership, regulatory compliance, and leading-edge technology.报告发现，自动化在数据处理（约70%）及数据采集（约65%）方面拥有最大潜力，而这些正是金融从业人员目前投入约一半时间的工作内容——从抵押贷款经纪人及保险销售代理填写表格，到承保人员及银行柜员核对数据。然而，自动化并不会消解对"人"的需求：到2030年，创造力、批判性思维、决策能力、项目管理、问题解决及复杂信息处理等技能的需求预计将以两位数的累计增速持续增长，而对创业精神及主动进取能力的需求增长尤为迅速。报告探讨了这些趋势将如何在银行业、财富管理、资产管理、私募股权与风险投资以及保险业各领域中体现，并重点介绍了可持续发展领导力、监管合规及前沿科技等跨领域新兴岗位。報告發現，自動化在數據處理（約70%）及數據採集（約65%）方面擁有最大潛力，而這些正是金融從業人員目前投入約一半時間的工作內容——從抵押貸款經紀人及保險銷售代理填寫表格，到承保人員及銀行櫃員核對數據。然而，自動化並不會消解對「人」的需求：到2030年，創造力、批判性思維、決策能力、項目管理、問題解決及複雜信息處理等技能的需求預計將以兩位數的累計增速持續增長，而對創業精神及主動進取能力的需求增長尤為迅速。報告探討了這些趨勢將如何在銀行業、財富管理、資產管理、私募股權與風險投資以及保險業各領域中體現，並重點介紹了可持續發展領導力、監管合規及前沿科技等跨領域新興崗位。

The report also emphasises the meaningful nature of careers in finance: financial organisations play a fundamental role in financing economic growth and the transition to net zero, and the report frames this as an opportunity for professionals to be at the forefront of innovation, sustainability and economic change. In his foreword, Luxembourg for Finance CEO Nicolas Mackel notes that upskilling and reskilling are becoming fundamental tools for those already working in the sector to continue in careers that provide purpose, and thanks McKinsey for its partnership in producing the report, which the authors hope will provide a valuable contribution for people looking to start, or further, their career in financial services.报告还着重强调了金融行业职业发展的深远意义：金融机构在为经济增长及净零转型提供资金支持方面发挥着根本性作用，报告将这一背景视为从业者能够站在创新、可持续发展及经济变革前沿的宝贵机遇。卢森堡金融业协会首席执行官Nicolas Mackel在报告前言中指出，对于已在该行业工作的人士而言，技能提升与再培训正成为其延续富有意义职业生涯的关键工具，并感谢麦肯锡在编制本报告过程中的合作，希望本报告能为有意投身或深耕金融服务行业的人士提供宝贵参考。報告還著重強調了金融行業職業發展的深遠意義：金融機構在為經濟增長及淨零轉型提供資金支持方面發揮著根本性作用，報告將這一背景視為從業者能夠站在創新、可持續發展及經濟變革前沿的寶貴機遇。盧森堡金融業協會首席執行官Nicolas Mackel在報告前言中指出，對於已在該行業工作的人士而言，技能提升與再培訓正成為其延續富有意義職業生涯的關鍵工具，並感謝麥肯錫在編製本報告過程中的合作，希望本報告能為有意投身或深耕金融服務行業的人士提供寶貴參考。