![]() Leaders also had significantly better returns on pretax tangible equity (ROTE), growing it from 15.5 percent in 2018 to 19.3 percent in 2022, versus laggards’ more modest growth, from 13.6 percent to 15.3 percent in the same period. One neural network, the policy network, selects the next move. These neural networks take a description of the Go board as an input and process it through a number of different network layers containing millions of neuron-like connections. The results of our analysis make a convincing case that digital leaders are creating much more shareholder value than laggards.īetween 20, digital leaders achieved average annual total shareholder returns of 8.1 percent, versus 4.9 percent for laggards. We created AlphaGo, a computer program that combines advanced search tree with deep neural networks. To plug this data gap, McKinsey turned to the banking sector, which has enough history with digital transformations to produce meaningful findings and where we own a unique longitudinal data set (see sidebar, “About the analysis”). Jotform Tables allows you to share and collaborate with others, as well as create professional-looking visual reports with the click of a button. Manage, store, filter, and organize data from an easy-to-understand spreadsheet. The API to the World Health Organization’s data and statistics content is also available. Create free databases in seconds with Jotform Tables. You can also monitor and analyze data by making use of its data portal. Third, we ran a blind assessment (the identities of the banks were hidden) of the maturity of digital and AI capabilities of the leading and lagging banks. The good thing is that it is possible to download whatever data you need in Excel Format. Second, we combined this data with McKinsey’s Corporate Performance Analytics to see how banks ultimately perform against such financial metrics as total shareholder return, growth, and expenses. ![]() From there, we isolated performance in two metrics that are core indicators in digital retail banking-the percentage of mobile adoption by their customer base and the percentage of sales originated in digital channels-to define 20 digital leaders and 20 digital laggards. Soong was the creator of at least four Soong-type androids, including Data, Lore, and B-4. He is the creator of the Soong-type androids B-4, Lore and Data. First, we used McKinsey’s Finalta Global Digital Benchmark, which tracked the performance of 80 global banks every year from 2018–22 against a set of 50 normalized metrics. Noonien Soong is a cybernetic scientist who appears in Star Trek: The Next Generation. ![]()
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