Cómo adaptar tu negocio a un mundo que cambia continuamente

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.

As the FX market continues to grow and cross-border transactions increase in size and value, so too does the expectation of customers in terms of lower costs and better services. In a joint paper with Broadridge, we examine a possible reshaping of the FX operations market, capitalising on mutualisation to potentially reduce costs and increase efficiency.

Este informe, patrocinado por GFT, analiza las tendencias que modelan el futuro de la banca, desde los cambios en el entorno competitivo hasta la importancia del compromiso con el cliente, la digitalización y el futuro de los pagos. Descarga este estudio para conocer la dinámica que define las nuevas expectativas de los clientes en el sector financiero.

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.

Since the publication of our paper on utilising Triparty facilities for OTC derivative collateral in March 2016, we have had numerous conversations with clients and interested parties, including custodians, agents, broker-dealers and buy-side institutions. Find new approaches and results in our addendum to GFT´s spring 2016 paper.

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.

The financial services regulatory environment is in a state of constant flux. Many legislative bodies around the globe publish regulations that are growing in both volume and complexity.

There is still uncertainty regarding the extent of capital impact, it falls within tight parameters, as neatly expressed in the recent ISDA FRTB QIS4 Refresh summary slide, which puts capital increase factor in the range 2.4 and 1.5.

An article by GFT DevOps specialists on "The New Normal" of IT and its need for technology which enables compliance requirements to be changed with higher levels of frequency, predictability and transparency.

GFT collateral specialists, led by Nick Nicholls, analyse how Triparty facilities could be an integral part of the holistic model.

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.

Digital transformation in financial services is now in full swing. Customer expectations are changing, technology is continuously evolving, and financial products and services are being reinvented.

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.

Self-learning, intelligent customer scoring offers financial service providers a made-to-measure forecasting model for individual customers.

In our point-of-view, we provide background information and insights into the world of digital banking. Our checklists allow you to assess the specific level of digital maturity that your bank has already achieved.

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.

The GFT Digital Banking Survey 2015 revealed that customer loyalty and retention belong to the most important elements in banks´ digitalisation strategies. PFM is an ideal tool to achieve this goal and create “stickiness”.

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.

The next great leap in IT outsourcing. The first decade belonged to India, so where next? The need for a global IT location and outsourcing strategy has never been more important for mid-size and large financial services institutions.

Planning to kick off a change programme? Excited yet concerned about the prospect of the challenge? You’re right to be cautious.

The role of the CDO is wide and varied. As more and more organisations have to deal with larger volumes of data, the opportunities and challenges are vast.

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?

Choosing the correct governance methods for a project is always going to be tricky. Over the last 12 months there has been a marked increase in wholesale and investment banking in a desire to become ‘agile’, often without fully understanding the prerequisites for success.

As the introduction of T2S approaches quickly, Europe is bracing itself for a transformed market with fewer international barriers.

Collateral management is now under unprecedented levels of close scrutiny. Historically a support function, it has now moved centre stage, partly due to high-profile examples of what can happen if you lose control.

GFT specialists analyse the current state of BCBS239 and discuss where G-SIBs and D-SIBs go from here to complete their compliance journey.

Aggregating company-wide financial and risk information has arguably always been one of the most daunting challenges for large banks and other financial institutions.

GFT conducted an online survey between March and April 2015 focussed on retail banks in Spain, Germany, Italy, Switzerland, Brazil and the United Kingdom. The survey was completed by 124 business and technical decision-makers with responsibility for various aspects of digital banking.