Deloitte Financial Services Industry Research Center released the "2020 Global Banking and Capital Market Outlook" in Beijing on the 14th. The report said that this year's low-profit business environment and the potential impact of the economic downturn will have a negative impact on bank earnings. Banks should continue to increase revenue from fee-based businesses, strengthen cost management, and pay attention to promoting digital transformation and meeting regulatory requirements. Looking ahead to the next decade, the report states that a series of new value-added services will gradually become popular, such as identity protection, real-time cash management, and new model purchase recommendations that consumers and merchants value. Digital currencies are likely to become the norm with the support of regulators.