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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