零售銀行技術：架構邁向未來的銀行平台

本報告已在2011年07月19日停止出版。

簡介

目錄

Abstract

Overview

Introduction

Challenges facing the retail banking industry are causing a re-evaluation of core systems platforms. As most banking platforms were developed many years ago, banks are realizing that core systems must be adapted to cope with modern and future requirements.

Scope

• Discusses current market trends in the US and Europe
• Discusses implications and industry dynamics for retail banking institutions

Report Highlights

The retail banking industry in North America and Europe is reaching its maturity. While competition intensifies, the industry is experiencing a period of essential changes driven by a number of various trends.

The ongoing political pressure for reform in the retail banking sector continues to generate some level of uncertainty. However, the sector will benefit from moves that are making it more globally competitive and enabling the creation of integrated financial services providers.

In North America consolidation remains one of the most important strategies of revenue growth and increasing market share, on the European continent M&A is increasingly emerging as European integration follows and domestic consolidation in most countries is largely played out.

Reasons to Purchase

• Gain visibility on the core system environment in the European and North American retail banking markets
• Gain market insight to assist in your strategic planning and go-to-market strategy

Table of Contents

• DATAMONITOR VIEW
  • CATALYST
  • SUMMARY
  • METHODOLOGY
• EXECUTIVE SUMMARY
  • Introduction
  • Creating efficient future banking platform (Market Focus)
  • Demanding business environment (Strategy Focus)
  • Designing future banking IT platforms (Technology Focus)
  • Core System IT spending in North American and WesternEuropean Retail Banking (Databook)
• CREATING EFFICIENT FUTURE BANKING PLATFORM (MARKET FOCUS)
  • Summary
  • A vague market situation drives pressure on improvingoperational efficiency and revenue growth effectiveness
    • Recovering European retail banking industry
    • Slowdown in mortgages and dynamic interest rates challengeNorth American bankers
    • Increasing needs for banking platform change
  • Growing regulations create need for greater control andtransparency of banking processes
  • Acquisitive growth strategies require the ability torapidly integrate acquired institutions
    • Domestic consolidation still opportunity within lessconsolidated markets
    • Accelerating European cross-border consolidation
    • Transatlantic merger and acquisition activity createsglobal players
    • Enabling banking platform for future consolidation
  • INDUSTRY ISSUES AND INHIBITORS - SUMMARY OF THE BRIEF
• DEMANDING BUSINESS ENVIRONMENT (STRATEGY FOCUS)
  • Summary
  • Time-to-market and changing regulations mostly affectbanking platform usability change
  • Lowering cost and improving operational efficiencyprimarily lie behind platform evolution
  • Creating process excellence dictates designing a futurebanking platform
• DESIGNING FUTURE BANKING IT PLATFORMS (TECHNOLOGY FOCUS)
  • Summary
  • Core system IT investments is a top priority for banks' ITbudgets in 2006
    • The journey towards transformation
  • Incremental approach towards replacement emerges as a mainstrategy for top-tier banks
  • Re-architecturing continues as a response to the interestin service-oriented architecture
    • Architecture standardization - the rise of the integrationlayer
    • Wrapping the core systems as temporary relief for coresystem pain points
    • Re-engineering core systems for greater componentization
  • Service-Oriented Architecture - the next big leap towardsprocess excellence
    • Event Driven Architecture - a step ahead ofService-Oriented Architecture
• CORE SYSTEM IT SPENDING IN NORTH AMERICAN AND WESTERNEUROPEAN RETAIL BANKING (DATABOOK)
  • Introduction
    • Definitions
  • NORTH AMERICAN RETAIL BANKING CORE SYSTEM MARKET
    • North American Retail Banking Core System IT marketoverview
    • North American Core System IT source spending
  • CORE SYSTEM IT SOURCE SPENDING BY COUNTRY IN NORTH AMERICA
    • United States
    • Canada
  • CORE SYSTEM IT SPENDING IN UNITED STATES BY TIER
    • Tier 1 - Banks with over $250bn in assets;
    • Tier 2 - Banks with $50-$250bn in assets;
    • Tier 3 - Banks with $10-50bn in assets;
    • Tier 4 - Banks with $1-10bn in assets;
    • Tier 5 - Banks with under $1bn in assets.
  • WESTERN EUROPEAN RETAIL BANKING CORE SYSTEM MARKET
    • Western European Retail Banking Core System IT marketoverview
    • Western European Core System IT source spending
  • CORE SYSTEM IT SOURCE SPENDING BY COUNTRY/REGION
    • Benelux
    • France
    • Germany
    • Italy
    • Nordics
    • Spain
    • Switzerland
    • UK
    • Other W. Europe
• APPENDIX
  • Definitions
    • Tier definitions:
  • Further reading
  • Ask the analyst
• List of Tables
  • Table 1: Core System definitions
  • Table 2: North American core system IT spending,2005-2009, by country
  • Table 3: North American Core System IT spending,2005-2009, by source
  • Table 4: Core System IT spending, 2005-2009, by source,United States
  • Table 5: Core System IT spending, 2005-2009, by source,Canada
  • Table 6: Core System IT spending, 2005-2009, by tier, UStier 1
  • Table 7: Core System IT spending, 2005-2009, by tier, UStier 2
  • Table 8: Core System IT spending, 2005-2009, by tier, UStier 3
  • Table 9: Core System IT spending, 2005-2009, by tier, UStier 4
  • Table 10: Core System IT spending, 2005-2009, by tier,US tier 5
  • Table 11: W. European Core System IT spending,2005-2009, by country
  • Table 12: W. European Core System IT spending,2005-2009, by source
  • Table 13: Core System IT spending, 2005-2009, by source,Benelux
  • Table 14: Core System IT spending, 2005-2009, by source,France
  • Table 15: Core System IT spending, 2005-2009, by source,Germany
  • Table 16: Core System IT spending, 2005-2009, by source,Italy
  • Table 17: Core System IT spending, 2005-2009, by source,Nordics
  • Table 18: Core System IT spending, 2005-2009, by source,Spain
  • Table 19: Core System IT spending, 2005-2009, by source,Switzerland
  • Table 20: Core System IT spending, 2005-2009, by source,UK
  • Table 21: Core System IT spending, 2005-2009, by source,other W. Europe
• List of Figures
  • Figure 1: European retail banking industry outlook
  • Figure 2: The link between retail banking industrytrends and business imperatives
  • Figure 3: Rapidly changing regulatory demands in retailbanking industry
  • Figure 4: Industry drivers and inhibitor acrosscontinents
  • Figure 5: Business environment for core system strategy
  • Figure 6: Business drivers for core system investment inW. Europe and N. American banking
  • Figure 7: Most important IT drivers for investment inbanking platform in North American banking 2005/06
  • Figure 8: Most important IT drivers for investment inbanking platform in Western European banking 2006
  • Figure 9: Key drivers of process excellence in retailbanking environment
  • Figure 10: What are your top 3 IT projects (in terms ofinvestment) for 2006?
  • Figure 11: Core systems development trajectory in retailbanking industry
  • Figure 12: Which of the following best describes yourapproach to core systems strategy for the next five years?
  • Figure 13: Banking technology roadmap
  • Figure 14: Process-centric service-oriented architecturewithin retail banking institutions
  • Figure 15: SOA vs. EDA
  • Figure 16: North American core system IT spending,2005-2009, by country
  • Figure 17: North American Core System IT spending,2005-2009, by source
  • Figure 18: Core System IT spending, 2005-2009, bysource, United States
  • Figure 19: Core System IT spending, 2005-2009, bysource, Canada
  • Figure 20: Core System IT spending, 2005-2009, by tier,US tier 1
  • Figure 21: Core System IT spending, 2005-2009, by tier,US tier 2
  • Figure 22: Core System IT spending, 2005-2009, by tier,US tier 3
  • Figure 23: Core System IT spending, 2005-2009, by tier,US tier 4
  • Figure 24: Core System IT spending, 2005-2009, by tier,US tier 5
  • Figure 25: W. European Core System IT spending,2005-2009, by country
  • Figure 26: W. European Core System IT spending,2005-2009, by source
  • Figure 27: Core System IT spending, 2005-2009, bysource, Benelux
  • Figure 28: Core System IT spending, 2005-2009, bysource, France
  • Figure 29: Core System IT spending, 2005-2009, bysource, Germany
  • Figure 30: Core System IT spending, 2005-2009, bysource, Italy
  • Figure 31: Core System IT spending, 2005-2009, bysource, Nordics
  • Figure 32: Core System IT spending, 2005-2009, bysource, Spain
  • Figure 33: Core System IT spending, 2005-2009, bysource, Switzerland
  • Figure 34: Core System IT spending, 2005-2009, bysource, UK
  • Figure 35: Core System IT spending, 2005-2009, bysource, other W. Europe

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