Capgemini-吸引几代高净值人士的忠诚度-WMs如何通过成功的人工智能策略将飞行风险转化为忠诚客户（英）

Capturing HNWI loyalty across generations How WMs can turn flight risks into loyal clients with a winning AI strategy1Capturing HNWI loyalty across generationsHow WMs can turn flight risks into loyal clients with a winning AI strategyCapturing HNWI loyalty across generations How WMs can turn flight risks into loyal clients with a winning AI strategy2In brief010203Although over 80% of Next-gen HNWIs self-identify as a post-inheritance flight risk, many WM firms lack a loyalty-building strategy to sufficiently counteract this impending disruption.Understanding what Next-gen HNWIs want – and giving RMs the AI-driven technology tools they need to meet these expectations – is an imperative that every WM firm faces.Completing five essential steps will help WM firms overcome the challenges by empowering their RMs to focus on building long-term engagement across every Next-gen HNWI segment.Despite a decade of keen industry interest in maintaining generational loyalty throughout the rapidly approaching “great wealth transfer,” most wealth management (WM) executives face a stark reality: their firms simply aren’t ready.This preparedness deficit stems from a convergence of factors, according to the latest research in the Capgemini World Wealth Report 2025. Not only will an estimated USD 83.5 trillion of wealth held by aging high-net-worth individuals (HNWIs) move generationally across all wealth bands, but the investor playing field is fundamentally changing. For WM executives who fail to address the loyalty implications, the Capgemini World Wealth Report 2025 research suggests a strong potential for client attrition and a relationship manager (RM) talent crisis. Conversely, WM firms that take action will be best positioned to retain inherited HNWI relationships while also attracting new individuals who are dissatisfied with their ancestral WM firms. It’s a similar story for strengthening bonds with existing RMs and wooing talent away from competitors.In this article we’ll explore the critical trends WM executives should understand and address, along with practical steps for empowering RMs to win HNWI loyalty for marketplace success.With the worldwide population of HNWIs on the rise, many WM firms are bullish about the expanding population they aim to serve. However, the great wealth transfer is also poised to disrupt the WM industry by significantly straining, or even breaking, well-established loyalty bonds.WMs now face the convergence of three significant loyalty-related HNWI trends:Shifting investment preferences among Next-generation (Next-gen) HNWIs: Made up of Gen X, millennials, and Gen Z, this group expects hyper-personalized engagement. In fact, 81% of Next-gen HNWIs plan to switch away from their parents’ WM firm quickly, driven by things like a lack of preferred digital channels (46%), unavailability of alternative investments (33%), and inadequate value-added services (25%).Increasing volume and diversity of HNWIs: As family wealth flows to mul