{"id":906524,"date":"2024-11-15T10:31:33","date_gmt":"2024-11-15T10:31:33","guid":{"rendered":"https:\/\/www.capgemini.com\/pl-pl\/?post_type=research-and-insight&#038;p=906524"},"modified":"2025-03-12T03:05:25","modified_gmt":"2025-03-12T03:05:25","slug":"world-cloud-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/world-cloud-report\/","title":{"rendered":"World Cloud Report \u2013 Financial Services 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/11\/03_Landing-page-banner_2880x1800.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:49% 72%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Cloud<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Cloud Report &#8211; Financial Services 2025<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Przyspiesz wzrost przychod\u00f3w dzi\u0119ki chmurze: zwi\u0119ksz efektywno\u015b\u0107, innowacyjno\u015b\u0107 i jako\u015b\u0107 obs\u0142ugi klienta.<\/h2><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"otwiera si\u0119 w nowym oknie\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-\"><\/h3>\n\n\n\n<p>Banks and insurers worldwide have embarked on digital transformation journeys leveraging cloud \u2013 seeking to catalyze growth in today\u2019s increasingly complex business environment. But inefficient cloud cost management, lift-and-shift migration strategies, rapid application scaling, and more have prevented many financial services firms from realizing the maximum benefits of their cloud investments to date.<\/p>\n\n\n\n<p>The World Cloud Report \u2013 Financial Services 2025 reflects the views of 600 financial services leaders across banking and insurance domains, as well as 120 senior FinTech and InsurTech executives, with both groups drawn from across 13 markets; these markets represent all regions of the globe \u2013 the Americas, Europe, and Asia-Pacific. In addition, the report includes insights from more than 20 focused interviews with cloud experts holding leadership positions across banks, insurance companies, and hyperscalers around the globe.<\/p>\n\n\n\n<p>Our report\u2019s analysis suggests that only a small group of financial services institutions globally \u2013 12 percent<sup>1<\/sup> \u2013 can be classified as true cloud innovators who leverage a well-defined cloud vision, supported by scalable platforms and mature ecosystems, to generate superior top-line results. For others looking to propel their own cloud journeys, the report recommends a roadmap including the following key mileposts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Migrate to appropriate cloud platforms and use relevant data integration, processing, and analytics technologies<\/li>\n\n\n\n<li>Leverage the cloud to foster a culture of collaboration and innovation, enabling real-time idea sharing and iteration as well as opportunity for experimentation with new technology<\/li>\n\n\n\n<li>Deliver improved top-line growth through platform-based business models and omnichannel engagement, increased data monetization through cloud analytics, expanded market reach and impact, and faster product innovation.<\/li>\n<\/ul>\n\n\n\n<p>Cloud adoption is a journey, not simply a destination. Financial services organizations that adopt a data-driven, cloud-focused, and customer-centric approach can harness the power of cloud transformation to achieve strategic goals and unlock unprecedented business value.<\/p>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  cta-popin-btn--outline\" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-722793ae-6391-4538-aa72-2ab3887a1635\">Download now<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-722793ae-6391-4538-aa72-2ab3887a1635\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">world<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_906528_239032164\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_901068_9565_490516918\" name=\"_mf_901068_9565\" placeholder=\"First Name\" required \/><label for=\"_mf_901068_9565_490516918\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_901068_3953_956154148\" name=\"_mf_901068_3953\" placeholder=\"Last Name\" required \/><label for=\"_mf_901068_3953_956154148\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_901068_4260_657101229\" name=\"_mf_901068_4260\" placeholder=\"Email\" required \/><label for=\"_mf_901068_4260_657101229\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_901068_5883_202943818\" name=\"_mf_901068_5883\" placeholder=\"Company\" required \/><label for=\"_mf_901068_5883_202943818\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_901068_5464_579065299\" name=\"_mf_901068_5464\" placeholder=\"Job Title\" required \/><label for=\"_mf_901068_5464_579065299\" class=\"form-label\">Job Title <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Job Title s\u0105 nieprawid\u0142owe.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_901068_9582_753152942\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_901068_9582_753152942\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_901068_9582\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Kraj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afganistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algieria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andora<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarktyda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua i Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antyle Niderlandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabia Saudyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentyna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbejd\u017can<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrajn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesz<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bia\u0142oru\u015b<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birma<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Boliwia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bo\u015bnia i Hercegowina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazylia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Brytyjskie Terytorium Oceanu Indyjskiego<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Brytyjskie Wyspy Dziewicze<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bu\u0142garia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Chorwacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cypr<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Czad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Czarnog\u00f3ra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Dalekie Wyspy Mniejsze Stan\u00f3w Zjednoczonych<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominikana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >D\u017cibuti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egipt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ekwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erytrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Etiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falklandy (Malwiny)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federacja Rosyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fid\u017ci<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Francja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Francuskie Terytoria Po\u0142udniowe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Grecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Grenlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Gruzja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Gujana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Gujana Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Gwadelupa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Gwatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Gwinea Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Gwinea R\u00f3wnikowa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Hiszpania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Holandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >Indie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Irak<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Republika Islamska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Izrael<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamajka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Jemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Kajmany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Kambod\u017ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Kamerun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Kanada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Katar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazachstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirgistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Kolumbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Komory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Kongo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Kongo, Republika Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Kostaryka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Kuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwejt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laota\u0144ska Republika Ludowo-Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libijska Arabska D\u017camahirijja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luksemburg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagaskar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Majotta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Malediwy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Mariany P\u00f3\u0142nocne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martynika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauretania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Meksyk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Mikronezja, Sfederowane Stany Mikronezji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monako<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambik<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mo\u0142dawia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Niemcy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nikaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norwegia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nowa Kaledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nowa Zelandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua Nowa Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paragwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polinezja Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Polska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Portoryko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Po\u0142udniowa Georgia i Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Republika Czeska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Republika Po\u0142udniowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Republika \u015arodkowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rumunia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Sahara Zachodnia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts i Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre i Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent i Grenadyny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >Salwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Ameryka\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seszele<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Stany Zjednoczone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Stolica Apostolska (Pa\u0144stwo Watyka\u0144skie)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Surinam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard i Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syryjska Republika Arabska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Szwajcaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Szwecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >S\u0142owacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >S\u0142owenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tad\u017cykistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tajlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Tajwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Terytoria Palesty\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor Wschodni<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trynidad i Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turcja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Urugwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis i Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Wenezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Wielka Brytania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Wietnam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Wybrze\u017ce Ko\u015bci S\u0142oniowej<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Wyspa Bouveta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Wyspa Bo\u017cego Narodzenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Wyspa Heard i Wyspy Mcdonalda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Wyspa Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Wyspa Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Wyspa Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Wyspy Alandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Wyspy Cooka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Wyspy Dziewicze, USA.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Wyspy Kokosowe (Keelinga)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Wyspy Marshalla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Wyspy Owcze<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Wyspy Salomona<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Wyspy Zielonego Przyl\u0105dka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Wyspy \u015awi\u0119tego Tomasza i Ksi\u0105\u017c\u0119ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >W\u0119gry<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >W\u0142ochy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Zjednoczone Emiraty Arabskie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >\u0141otwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >\u015awi\u0119ta Helena<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country s\u0105 nieprawid\u0142owe.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else 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Prosz\u0119 spr\u00f3bowa\u0107 ponownie.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG906528 = {\"906528\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">World Cloud Report &#8211; Financial Services 2025 highlights<\/h3> <\/div><div class=\"button-wrapper no-description\"><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Highlight 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Financial services organizations face a complex operational landscape<\/p><\/div><div class=\"expander-content\"><p>Organizations face diverse operational challenges that impact their business \u2013 including data and security, regulations, cloud transition issues, technology challenges, and FinOps.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wcr24-fig1\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Establish a cloud transformation framework around a hierarchy of success criteria<\/p><\/div><div class=\"expander-content\"><p>Based on our research and analysis, we developed a framework for banks and insurers to maximize the value of their cloud investments. A definitive cloud transformation vision based on a hierarchy of priorities is essential as financial services firms seek innovations that drive operational efficiency and revenue growth.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wcr24-fig2\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Cloud-powered CX strategies are critical for financial services firms, but current adoption is limited<\/p><\/div><div class=\"expander-content\"><p>Financial services executives believe cloud-powered CX strategies like CRM tools, omnichannel engagement, and customer data platforms are critical. However, while many financial services firms have piloted or partially adopted these strategies, very few have adopted and scaled them.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wcr24-fig3\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Financial services innovators are data-driven, cloud-focused, and customer-centric across the value chain<\/p><\/div><div class=\"expander-content\"><p>Future-focused banks and insurers drive substantial revenue growth because they are data-driven, cloud-focused, and customer-centric across the value chain. We assessed banking and insurance value chain components and identified how firms strategically deployed cloud and Gen AI to drive revenue growth.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wcr24-fig4\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Further reading<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>View prior World Cloud Reports &#8211; Financial Services<\/h4><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-cloud-report-2023-financial-services\/\">World Cloud Report 2023<\/a> <\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Endnotes<\/h4><\/div><div class=\"expander-content\"><p><sup>1<\/sup> ÎÚÑ»´«Ã½ Research Institute for Financial Services analysis, 2024.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Disclaimers\/acknowledgments<\/h4><\/div><div class=\"expander-content\"><p>The information in this report is general and not intended as legal, tax, investment, financial, or professional advice. ÎÚÑ»´«Ã½ assumes no liability for errors or omissions or the use of this material. This report is for informational purposes only and may not address your specific needs. ÎÚÑ»´«Ã½ disclaims responsibility for translation inaccuracies and provides the information &#8220;as-is,&#8221; without warranties. ÎÚÑ»´«Ã½ will not be liable for any losses arising from reliance on this information.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Solutions<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/06\/Financial-Services_Cloud.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/06\/Financial-Services_Cloud.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/06\/Financial-Services_Cloud.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Cloud for financial services\" href=\"\/solutions\/cloud-financial-services\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Cloud for financial services<\/h4><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Banking and capital markets\" href=\"\/industries\/banking-and-capital-markets\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Banking and capital markets<\/h4><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" 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class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_892013_6268_3275204151\" name=\"_mf_892013_6268\" placeholder=\"Email\" required \/><label for=\"_mf_892013_6268_3275204151\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_892013_5501_1696089055\" name=\"_mf_892013_5501\" placeholder=\"Company\" required \/><label for=\"_mf_892013_5501_1696089055\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company s\u0105 nieprawid\u0142owe.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_892013_5157_1522765615\" name=\"_mf_892013_5157\" placeholder=\"Job Title\" required \/><label for=\"_mf_892013_5157_1522765615\" class=\"form-label\">Job Title <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Job Title s\u0105 nieprawid\u0142owe.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_892013_4843_2778397700\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_892013_4843_2778397700\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_892013_4843\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Kraj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afganistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algieria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andora<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarktyda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua i Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antyle Niderlandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Arabia Saudyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentyna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbejd\u017can<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrajn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesz<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bia\u0142oru\u015b<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Birma<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Boliwia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bo\u015bnia i Hercegowina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazylia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Brytyjskie Terytorium Oceanu Indyjskiego<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Brytyjskie Wyspy Dziewicze<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bu\u0142garia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >Chiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Chorwacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cypr<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Czad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Czarnog\u00f3ra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Dalekie Wyspy Mniejsze Stan\u00f3w Zjednoczonych<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominikana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >D\u017cibuti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egipt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ekwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Erytrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Etiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falklandy (Malwiny)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federacja Rosyjska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fid\u017ci<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipiny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Francja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Francuskie Terytoria Po\u0142udniowe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Grecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Grenlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Gruzja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Gujana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Gujana Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Gwadelupa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Gwatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Gwinea Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Gwinea R\u00f3wnikowa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Hiszpania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Holandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >Indie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Irak<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Republika Islamska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Islandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Izrael<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamajka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Jemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Kajmany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Kambod\u017ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Kamerun<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Kanada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Katar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazachstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kirgistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Kolumbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Komory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Kongo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Kongo, Republika Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Kostaryka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Kuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwejt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Laota\u0144ska Republika Ludowo-Demokratyczna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Liban<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libijska Arabska D\u017camahirijja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luksemburg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagaskar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Majotta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Malediwy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Mariany P\u00f3\u0142nocne<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Maroko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martynika<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauretania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Meksyk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Mikronezja, Sfederowane Stany Mikronezji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monako<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambik<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mo\u0142dawia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Niemcy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nikaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norwegia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nowa Kaledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nowa Zelandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua Nowa Gwinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paragwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polinezja Francuska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Polska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Portoryko<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Po\u0142udniowa Georgia i Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Republika Czeska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >Republika Po\u0142udniowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Republika \u015arodkowej Afryki<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rumunia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Sahara Zachodnia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts i Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre i Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent i Grenadyny<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >Salwador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Ameryka\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seszele<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapur<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Stany Zjednoczone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Stolica Apostolska (Pa\u0144stwo Watyka\u0144skie)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Surinam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard i Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syryjska Republika Arabska<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Szwajcaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Szwecja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >S\u0142owacja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >S\u0142owenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tad\u017cykistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tajlandia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Tajwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Terytoria Palesty\u0144skie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor Wschodni<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trynidad i Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunezja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turcja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Urugwaj<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis i Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Wenezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Wielka Brytania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Wietnam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Wybrze\u017ce Ko\u015bci S\u0142oniowej<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Wyspa Bouveta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Wyspa Bo\u017cego Narodzenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Wyspa Heard i Wyspy Mcdonalda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Wyspa Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Wyspa Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Wyspa Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Wyspy Alandzkie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Wyspy Cooka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Wyspy Dziewicze, USA.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Wyspy Kokosowe (Keelinga)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Wyspy Marshalla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Wyspy Owcze<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Wyspy Salomona<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Wyspy Zielonego Przyl\u0105dka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Wyspy \u015awi\u0119tego Tomasza i Ksi\u0105\u017c\u0119ca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >W\u0119gry<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >W\u0142ochy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Zjednoczone Emiraty Arabskie<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >\u0141otwa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" 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<\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/harnessing-ai-to-unlock-the-power-of-data-for-business-success\/\" aria-label=\"Harnessing AI to unlock the power of data for business success\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Harnessing AI to unlock the power of data for business success<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/gender-and-leadership\/\" aria-label=\"P\u0142e\u0107 i przyw\u00f3dztwo\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">ÎÚÑ»´«Ã½ Research Institute<\/div>\n                                <h3 class=\"card-title\">P\u0142e\u0107 i przyw\u00f3dztwo<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/world-payments-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2025\/09\/Capcom-Webpage-Banner_2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/ai-agents\/\" aria-label=\"Agenci AI\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">ÎÚÑ»´«Ã½ Research Institute<\/div>\n                                <h3 class=\"card-title\">Agenci AI<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/world-payments-report\/\" aria-label=\"World Payments Report 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">World Payments Report 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/egovernment-benchmark-2023-connecting-digital-governments\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/uploads\/sites\/27\/2024\/07\/Banners_eGov-2025-benchmark-reportDotCom_Banner_2880X1800.jpg\" alt=\"European national flags and the EU flag on flagpoles against a partly cloudy sky.\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/egovernment-benchmark-2023-connecting-digital-governments\/\" aria-label=\"eGovernment Benchmark Report 2025: czy serwisy publiczne s\u0105 przyjazne dla u\u017cytkownik\u00f3w?\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">eGovernment Benchmark Report 2025: czy serwisy publiczne s\u0105 przyjazne dla u\u017cytkownik\u00f3w?<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/glos-mlodziezy-w-sprawie-klimatu\/\" aria-label=\"G\u0142os m\u0142odzie\u017cy w sprawie klimatu\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">G\u0142os m\u0142odzie\u017cy w sprawie klimatu<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><\/div><\/section>\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"content-title\"><h2 class=\"getintouch-heading\">Executive steering committee<\/h2><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Jorgen-Olofsson.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>J\u00f6rgen Olofsson<\/h3><p class=\"box-position\">Chief Information Officer<\/p><p class=\"box-company\">Euroclear Sweden<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Dennis-Tangonan.jpeg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Dennis M Tangonan<\/h3><p class=\"box-position\">Chief Information Officer<\/p><p class=\"box-company\">Security Bank Corporation<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Anand-Jayaraman.jpeg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Anand Jayaraman<\/h3><p class=\"box-position\">Global Head, Technology Platform Strategy and Enterprise Architecture<\/p><p class=\"box-company\">Swift<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Romeo-Alvarez.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Romeo Alvarez<\/h3><p class=\"box-position\">SVP, Cloud Platform Technology<\/p><p class=\"box-company\">Synchrony<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Roberto-Mcquattie.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Roberto McQuattie<\/h3><p class=\"box-position\">Global Chief Transformation Officer<\/p><p class=\"box-company\">Crawford &amp; Company<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Michael-Chan.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Michael Chan<\/h3><p class=\"box-position\">Director, IT Infrastructure and Cloud<\/p><p class=\"box-company\">Gore Mutual<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Arcady-Lapiro.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Arcady Lapiro<\/h3><p class=\"box-position\">Founder and Chief Executive Officer<\/p><p class=\"box-company\">Agora Financial Technologies<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Gareth-Richardson.png\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Gareth Richardson<\/h3><p class=\"box-position\">Chief Operating Officer<\/p><p class=\"box-company\">Thought Machine<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\">\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"ZINTEGROWANE SYSTEMY PRZETWARZAJ\u0104CE DU\u017bE ILO\u015aCI DANYCH WRA\u017bLIWYCH\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>ZINTEGROWANE SYSTEMY PRZETWARZAJ\u0104CE DU\u017bE ILO\u015aCI DANYCH WRA\u017bLIWYCH<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"System do obs\u0142ugi dokumentacji przest\u0119pstw\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>System do obs\u0142ugi dokumentacji przest\u0119pstw<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/pl-pl\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<ul 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