Cómo adaptar tu negocio a un mundo que cambia continuamente

Financial institutions cannot wait to reshape or completely rebuild their platforms because it could quite simply be too late. But what about using the digital transformation journey to enrich functional capabilities and at the same time transform legacy systems and significantly reduce running costs?

Although widely acknowledged as a potentially game-changing capability, the adoption of cloud technology for High Performance Computing (HPC) is still very much in its infancy. However, based on our hands-on experience of this when working with a Tier 1 financial institution, we firmly believe the cloud has the ability to enable firms to rethink the way they approach the complex technological challenges to perform enormous grid calculations.

Nos encontramos ante un reto mundial en el que uniendo fuerzas entre todos conseguiremos construir una nueva sociedad que marcará el siglo XXI en el que estamos ya inmersos. En esta publicación te explicaremos 19 aspectos clave a tener en cuenta para no perder competitividad y generar, al mismo tiempo, factores diferenciales como contribución a la sociedad en el actual escenario.

DevOps has received a great deal of media attention and has become mainstream in many industries. However, some banks and financial services companies that are grappling with monolithic technology stacks are still unaware of the benefits of DevOps or how to adopt the new methods.

Open banking and cloud technology are very closely entwined. Their growth will inevitably progress in parallel. Banks that wish to capitalise on the open banking opportunity will adopt strategic cloud solutions and as open banking develops, cloud technology will move from useful to essential.

This survey was conducted to examine the current usage and future trends in how High Performance Computing (HPC) is being used within financial services organisations. Firstly, the areas in which HPC is being used were examined. The only surprise here was that there were a couple of cases of it being used in the Treasury area within banks.

Financial institutions become an integral part of the working capital management at the heart of an industrial ecosystem: this is called embedded banking. Potential participants include industrial companies, banks and financial service providers, suppliers and end customers.

In the digital age, data emerges as the universal currency. New technologies have reduced the cost of storing massive volumes of data so many organisations have embraced the ‘data lake’ as a definitive data management solution. Organisations across all sectors ingest, store, manage and distribute unprecedented volumes of data, but the reasons for doing so are not always clear.

Technology in banking has moved out of the back office and is now central to all that a bank does. In the digital age, technology enables a good customer experience that is fundamental to banking success. But many banks find themselves hamstrung by the technology that made them successful. Why?

So far, many banks seem to have treated open banking as a regulatory compliance issue. While it is that, viewing open banking as simply a regulatory issue greatly underestimates its enormous potential to transform the industry and to change how banks interact with customers and third parties. Although it is still early days, open banking will certainly redefine what it means to be a bank. In this paper, we revisit the fundamental drivers of open banking and suggest ways that banks can seize this unique commercial opportunity.

Este documento es el resultado de nuestra experiencia y de numerosas conversaciones que hemos mantenido con directivos del sector de los servicios financieros de todo el mundo. En él exploramos la naturaleza y el alcance de la banca cognitiva: cómo se adapta a los demás pilares de la banca exponencial y por qué los bancos deberían adaptarse a esta nueva etapa de la tecnología. Nuestra conclusión es que los beneficios solo se ven limitados por la imaginación y que los que adopten pronto estas tecnologías tendrán su recompensa.

Este documento aborda cuestiones comerciales clave sobre la banca abierta. Ofrece un resumen de la visión que hemos definido gracias a nuestra experiencia con bancos líderes a nivel mundial. Tras describir los motivos que impulsan la banca abierta, examinamos cómo los bancos pueden monetizar esta oportunidad, incluyendo la política de precios de las API y las opciones para generar ingresos.

The last few years have seen huge investment into software that brings distributed ledger technology (DLT) to financial markets, but it remains unclear as to whether it will be fit for purpose. In particular, it remains to be demonstrated that DLT is capable of working in intensely demanding, high throughput environments, suitable for financial markets.

Esta publicación explora la noción de banca aumentada, uno de los cuatro pilares de la banca exponencial según la visión de GFT. A través de análisis en detalle y estudios de casos ilustrativos, podrás aprender cómo sacar partido de las tecnologías exponenciales para crear una experiencia bancaria inmersiva que va mucho más allá de las interacciones digitales actuales.

El mainframe es desde hace décadas el corazón informático de muchas empresas, con las entidades bancarias a la cabeza. Sin embargo, la demanda de incremento de flexibilidad ante los procesos de negocio cada vez más cambiantes y la necesidad de reducir los costes recurrentes, obligan a las entidades a dar el salto hacia plataformas abiertas.

Banca 2020: tecnologías exponenciales en servicios financieros. Esta publicación describe la visión de GFT sobre cómo beneficiarse de las tecnologías exponenciales, como factores clave de crecimiento para compañías de servicios financieros, a través de la creación de nuevos modelos de negocios.

For the third consecutive year, GFT has surveyed decision-makers in banking to gain insights into the trends behind digitalisation in the financial services industry. Based on 285 interviews, the survey offers valuable insights into the status of digital transformation, Bank as a Platform and artificial intelligence across eight countries - Brazil, Germany, Italy, Mexico, Spain, Switzerland, the UK and the USA. Download the report and the infographic for a complete picture of the survey results.

¿Cómo pueden los bancos obtener más capital con las funcionalidades de negocio con las que ya cuentan? Las aplicaciones más innovadoras en el front-end aportan poco, si no se modernizan al mismo tiempo las aplicaciones core en el back-end. Sólo aquellos que invierten a largo plazo en ambas áreas pueden resultar ganadores de la transformación digital.

Information technology is increasingly pervading every aspect of our lives, promising fantastic opportunities for improving our health, wealth, knowledge and the way we live together.

Actualmente, los bancos llevan a cabo su actividad en un mercado altamente competitivo y sus fuentes de ingresos se ven amenazadas por los nuevos comportamientos de los clientes, los tipos de interés bajos y la llegada de nuevos players al mercado.

Adoptando un enfoque BaaP, de banca como plataforma, los bancos podrán adoptar un modelo de negocio basado en ofertas de servicio para conseguir un mayor valor. Esta visión requiere una arquitectura de TI abierta y modular que sea capaz de coexistir con sistemas de Core bancario y garantice un intercambio de datos fluido entre el banco y terceros.

El informe de GFT analiza la introducción en el mercado de las tecnologías de pagos móviles y su adopción por parte de los usuarios en mercados clave en Europa, Asia y América. Esto conlleva nuevas oportunidades pero también grandes retos para los bancos como proveedores de tecnologías de pago orientadas al futuro.

The economic and regulatory environment of recent years has placed a powerful downward pressure on any real investment within banks and other financial services firms, whilst at the same time diverting a significant portion of remaining resources to coping with rapidly evolving regulatory requirements.

Digitalisation within the financial industry will affect how banks will actually implement new digital processes within their own branches. Doing so will turn bank branches into important pieces of the overall jigsaw puzzle of future banking.

If there was some expectation that 2016 would be the year in which the regulatory tide facing banks would begin to recede, many will be left disappointed. A sense of regulatory fatigue within the industry is understandable, but if anyone thought that the regulatory challenge would become easier in 2016, then they are sadly mistaken.

GFT specialists look into the recent Blockchain phenomenon and provide a blueprint for initiating business change.

Mejorar la experiencia del cliente se ha convertido en una prioridad para las aseguradoras. Entender al cliente y satisfacer sus expectativas es uno de los grandes retos a los que se enfrenta el sector asegurador para atraer y fidelizar a sus clientes.

As the trading world continues down the path of electronification, innovators turn to gamers for solutions, exploring Augmented Reality as a technology that can reduce information overload and improve real-time decision-making.

Against the backdrop of the ever-increasing importance of collateral from a trading, risk and capital management perspective, holistic management of collateral is rapidly becoming a necessity.

It is a well-known phenomenon that back office operations have historically lacked major investment. So why is it now the flavour of the month?