CLOUD
API-led-Open Banking
NEW OPERATIONS & BUSINESS MODEL
Banks are on anaccelerated path to cloudsolutions adoption
Open banking gainsmomentum, APIs set toplay a key role
Changing industry dynamicsdemand new-age operatingand business models
CUSTOMER BANK
Banking executives view BigTechs as disruptive1
Banking executives view
FinTechs as ecosystem
contributors1
DIGITALBANKING
TRANSFORMATION
DISTRIBUTED LEDGER
TECHNOLOGY
VOICEASSISTANT
EfficiencyCustomer
Experience
CostReduction
NewRevenueStreams
Slowly but surelyemerging as a threat to existingbanking businesses
Potential for collaboration over the long run
BigTechs may become part of the ecosystem
Open Banking – Emergence of a New Ecosystem
The Intelligent Bank of the Future
Harnessing Deep Customer Insights and Maintaining Data-Driven Compliance
Voice Assistant has emerged as a new
channel of customer engagement for banks
INVISIBLEBANKINGBanks seamlessly integrate financial services into customers’ daily lives.
DATA SECURITY AND COMPLIANCENew business models andtechnologies compel bankinvestment in data security,compliance
ARTIFICIALINTELLIGENCEBanks are leveraging AIto improve customers’financial lives
Banks are acceleratingdigital transformation
efforts
Banks are leveraging DLT applications for
KYC/identity management, and
payments
71%
71% of banking executives say their banks are focusing digital investments in cyber security2
TOP-10 Trends inRetail Banking: 2019
BANKS ARE OPENING UP THEIR SYSTEMS TO TRANSFORM THEMSELVES
1 Capgemini’s World Retail Banking Report 20182 The Economist website, “Whose customer, are you? The reality of digital banking,” Renée Friedman, May 21, 2018
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