Jan-23
Cryptocurrency — Technological Developments and Enterprise Adoption
Cryptocurrency — Technological Developments and Enterprise Adoption
Jan-23 DOC # AP49986222 Insight
This IDC Perspective analyzes notable cryptocurrencies in the market through differences in their structure, product design, and technological underpinning. This report also explores notable developments around the cryptocurrency technology to overcome limitations prevalent in its legacy infrastructure and cater to the current and future requirements of the market. Further, the report charts enterprise adoption and crypto-driven product strategies across payments, lending, and corporate services.
"Despite downturns in the overall cryptocurrency market, we are seeing genuine interest from enterprises and businesses to continue adopting crypto as an alternative payment method and as a medium of value transfer being embedded in their operations," said Muhammad Adam Kamarul Zaman, market analyst, IDC Financial Insights Asia/Pacific. "The regulatory shifts worldwide and the continuing technological innovation in cryptocurrency present a big opportunity for the creation of the next-generation financial ecosystem, business models, and institutional partnerships," he added.
Jan-23
IDC FutureScape: Worldwide Banking 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders
IDC FutureScape: Worldwide Banking 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders
Jan-23 DOC # AP49972822 Presentation
This IDC study provides additional information to accompany IDC FutureScape: Worldwide Banking 2023 Predictions — APEJ Implications (IDC #AP48760322, January 2023) and looks deeper into IDC's top 10 predictions for worldwide banking for 2023 and beyond. This accompanying document provides targeted actions for sales leaders and marketing leaders on how to best leverage the FutureScape predictions to create effective conversations in relation to industry needs, specifically for the Asia/Pacific (excluding Japan) (APEJ) region.
Jan-23
IDC FutureScape: Worldwide Banking 2023 Predictions — Asia/Pacific (Excluding Japan) Implications
IDC FutureScape: Worldwide Banking 2023 Predictions — Asia/Pacific (Excluding Japan) Implications
Jan-23 DOC # AP48760322 Presentation
This IDC FutureScape presents IDC Financial Insights’ view of the top 10 predictions for financial services (including banks, insurance, and payments) as they apply to Asia/Pacific (excluding Japan) (APEJ) region. Predicting the future of banking and the implications of financial institutions’ technology strategies continues to become more difficult since the pandemic. The predictions in this document contextualized tor the Asia/Pacific region will allow financial institutions to break through the challenges of legacy and reequip themselves better to navigate the challenging and unpredictable markets that are emerging.
"With the pandemic drawing to a close in most parts of the world, institutions will need to look at the technology investments they have made recently to capitalize on the digital surge and see how they fit into a longer-term strategy and how they can be used for longer-term growth," says Michael Yeo, associate research director, IDC Financial Insights. He adds, "Banks that can remap and bolster their technologies into cohesive and sustainable growth objectives will find be best prepared to face the challenges of the near future."
Jan-23
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications
Jan-23 DOC # AP49981222 Presentation
This IDC FutureScape presents IDC Financial Insights' view of the worldwide corporate banking 2023 predictions as they apply to the Asia/Pacific (excluding Japan) (APEJ) region. Each prediction of IDC Financial Insights supports a five-year planning process by identifying the timing, and the overall cost and complexity to address. IDC then contextualizes these global predictions for APEJ to reflect the regional perspective and how the banks in the region are seeking to enhance their competitive positioning by deploying advanced tools, technologies, and capabilities to strengthen their delivery structure and explore new business models to sustain growth and increase revenue.
"Today's corporate banks must try to reposition themselves to define the path for tomorrow's success. In a world full of uncertainty, it is of utmost importance that banks must recreate their offerings that go beyond the traditional products and services. Banks being an important stakeholder of the economy, must stay strategically aligned and digitally committed to remain resilient," said Surya Narayan Saha, research manager, IDC Financial Insights.
Jan-23
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications: Positioning for Success: Opportunities for Tech Sales and Marketing Leaders
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications: Positioning for Success: Opportunities for Tech Sales and Marketing Leaders
Jan-23 DOC # AP50044422 Presentation
This IDC FutureScape presents the IDC Financial Insights' view of the worldwide corporate banking 2023 predictions as they apply to the Asia/Pacific (excluding Japan) (APEJ) region. Each prediction of IDC Financial Insights supports a five-year planning process by identifying the timing, the overall cost, and complexity to address. IDC then contextualizes these global predictions for APEJ to reflect the regional perspective and how the banks in the region are seeking to enhance their competitive positioning by deploying advanced tools, technologies, and capabilities to strengthen their delivery structure and explore new business models to sustain growth and increase revenue. Each prediction has guidance points for tech sales and marketing leaders categorized under customer targets, lead challenges, and top priorities. Additionally, the accompanying document to the FutureScape also includes steps for positioning for success for both sales and marketing tech leaders.
Jan-23
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders
Jan-23 DOC # AP50039223 Presentation
This IDC study provides additional information as an accompaniment to IDC FutureScape Worldwide Payment Strategies 2023 Predictions (Excluding Japan) Implications (IDC #AP500339223, January 2023), looking further at IDC's top 10 predictions for worldwide payments for 2023 and beyond. This accompanying document provides targeted actionables for sales leaders and marketing leaders on how to best leverage the FutureScape predictions to create effective conversations in relation to industry needs specifically for the Asia/Pacific region.
Jan-23
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — Asia/Pacific (Excluding Japan) Implications
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — Asia/Pacific (Excluding Japan) Implications
Jan-23 DOC # AP50039123 Presentation
This IDC FutureScape presents IDC Financial Insight's view of the top 10 predictions for payments strategies as they apply to the Asia/Pacific (excluding Japan) (APEJ) region. Payments in the APEJ region are in a period of significant change and transformation. Cash dominant markets have seen waves of new payments emerge at a rate faster than in any other period of history and new business models anchored by new payments platforms are being quickly adopted by both consumers and merchants. IDC's predictions in this document contextualized for the Asia/Pacific region allow financial institutions to better understand and identify the major changes occurring, which will impact their business and offer guidance on how to reposition themselves to successfully navigate the challenges that lie ahead.
"Payments in the Asia region are not only following many global trends but are setting their own course of development. With the region already having the highest numbers of mobile wallet users globally, further initiatives in real-time payments and corporate payments as well as in the underlying technology anchoring payments will drive further transformation in the region," says Michael Yeo, associate research director, IDC Financial Insights." Financial institutions, which are able to identify the changes, where the opportunities lie and how to capitalize on them, will stand the best chance to maintain innovative and market leading positions in the payments sphere."
Jan-23
IDC FutureScape: 全球未来行业生态2023年预测——中国启示
IDC FutureScape: 全球未来行业生态2023年预测——中国启示
Jan-23 DOC # CHC48764322 Presentation
1. 行业生态体系建设需求旺盛，发展潜力较大
近年来，越来越多的企业正在持续建设及扩展行业生态，并将之作为数字化转型的下个阶段的重点工作。生态参与者通过按需提供人才、资源和能力，可以快速且高质量地满足复杂的客户需求。
行业生态中的合作伙伴在确保其业务增长和稳定方面具有重要的支撑作用。同时，共享数据和洞察、共享应用程序、共享专业技能将持续在各行各业中渗透，这将促进与客户、消费者、需求方等实现更紧密的接触，以便快速满足市场需求，促进创新。
2. 中国数字经济及数字化转型的深入发展，促进行业生态的发展
中国数字经济蓬勃发展，数字产业化和产业数字化是中国数字化转型的两大抓手。作为支撑数字经济成长的基石，数字化技术在打造数字基础设施、加速产业数字化转型中的作用愈发重要，是促进行业生态系统建设的核心驱动力。
国务院印发《“十四五”数字经济发展规划》以数据为关键要素，以数字技术与实体经济深度融合为主线，加强数字基础设施建设，完善数字经济治理体系，协同推进数字产业化和产业数字化，赋能传统产业转型升级，培育新产业新业态新模式与新生态。
3. 中国正加大推动数据要素流通，行业生态共享范式正处于探索阶段
在中国，数据要素已经成为新的生产要素，各行各业正加速推动数据要素的流通，并聚焦数据的标注、清洗、脱敏、脱密、聚合、分析等环节，提升数据资源处理能力。但是关于应用程序、专业技能、运营/操作的共享亦有待探索。中国积极推动数据资产化和数据产权交易所，但亦处于探索阶段，其发展规范、标准和制度亟待完善。
Jan-23
IDC FutureScape: 全球银行业2023年预测——中国启示
IDC FutureScape: 全球银行业2023年预测——中国启示
Jan-23 DOC # CHC49383623 Presentation
2022年在新冠疫情与许多其他行业一样，金融机构（FIs）正面临着来自多个有利位置的干扰。干扰似乎比以往更多、更快、影响更大。正如银行业开始应对新冠肺炎疫情的破坏，并开始加速回归创新一样，2022年的地缘政治冲突和经济挑战正导致全球银行暂停并重新思考其在技术支出方面的投资重点。金融机构现在专注于提高管理市场风险的效率，并重新思考如何使用分析技术做出更好的商业决策。银行越来越多地使用包括云在内的数字架构来推动自动化和改善业务成果。向数字业务的演进实现了更大的弹性，加快了新产品和服务的创新，并最终支持更广泛的生态系统参与，以打开新的市场。未来五年对银行来说至关重要，因为那些未能实现现代化和数字化业务转型的银行将落后于目前投资技术的同行。加强其数字基础设施以构建可扩展性和弹性并无缝集成到更广泛的生态系统中的银行将在这个新的数字时代蓬勃发展，并更好地满足客户不断变化的需求。
2022年，中国人民银行印发《金融科技发展规划（2022-2025年）》，意在推动中国金融科技从“立柱架梁”全面迈入“积厚成势”新阶段，中国金融科技的重点任务方向转变为：数字化能力建设、数据能力建设、数字技术金融应用；金融科技创新、数字化风控能力建设、监管科技创新等方向。未来，相关解决方案市场也将迎来新的发展机遇：
Jan-23
IDC FutureScape:全球银行业2023年预测——中国启示 成功定位 – 技术厂商销售领导者及营销领导者的机遇
IDC FutureScape:全球银行业2023年预测——中国启示 成功定位 – 技术厂商销售领导者及营销领导者的机遇
Jan-23 DOC # CHC50053623 Presentation
本演示文档是同一主题的《IDC FutureScape: 全球银行业2023年预测——中国启示》的附件，为未来客户体验技术供应商的销售领导者和营销领导者提供了具体的行动建议。
请参阅《IDC FutureScape: 全球银行业2023年预测——中国启示》
Jan-23
IDC Perspective: 中国隐私计算开源市场洞察，2022
IDC Perspective: 中国隐私计算开源市场洞察，2022
Jan-23 DOC # CHC49985122 Insight
本报告通过调研中国市场上在隐私计算领域进行开源实践的典型厂商、金融机构以及尚未进行开源的隐私计算厂商，展现了2022年隐私计算在中国的开源实践以及未来的发展趋势。
IDC中国金融行业研究经理温泉表示："隐私计算技术的开源是2022年对中国隐私计算领域影响最大的技术趋势，开源将在很大程度上改变隐私计算赛道的商业逻辑。隐私计算的用户、科技服务商以及关注这个赛道的投资机构都需要对这一趋势带来的改变高度关注。"
Jan-23
IDC PlanScape: Digital Operational Resilience for Financial Entities
IDC PlanScape: Digital Operational Resilience for Financial Entities
Jan-23 DOC # US47801521 IDC DecisionScape
"The digital transformation of the financial industry has led to a highly interconnected and interdependent ecosystem, entailing a systemic risk across the industry. The underlying concept that led regulators to establish direct control on financial entities as well as their third-party ICT and cloud service providers is that no single financial organization can operate as an independent entity in the digital era. The Digital Operational Resilience Act is a game-changer in risk management; it drives joint responsibility that can make or break the relationship between a bank and its ICT partners," said Maria Adele Di Comite, research director, IDC Financial Insights.
Jan-23
Machine Learning Becomes a Key Enabler of Bank Operations Automation
Machine Learning Becomes a Key Enabler of Bank Operations Automation
Jan-23 DOC # lcUS50200823 IDC Blink
As discussed in a recent article in Mortgage Professional, machine learning (ML) technology applications are growing within the consumer banking sector. However, the utilization of this technology by banks is still in the initial stages. ML solutions are commonly found in areas such as bank operations, credit decisioning, fraud management, and economic growth forecasting.
Jan-23
Deep Dive: Artificial Intelligence for Payer Use Cases
Deep Dive: Artificial Intelligence for Payer Use Cases
Jan-23 DOC # US49995322 Insight
This IDC Perspective takes a deep dive into artificial intelligence for payer use cases. In the past decade, health insurance companies have been looking to artificial intelligence (AI) and machine learning (ML) to identify at-risk individuals and reduce rising costs in the healthcare sphere.
It's important to note that a majority of the price consumers pay when enrolling in health insurance goes into risk prediction and risk management. By using AI to create a system that can create more accurate risk models and predict which individuals need specific types of care, health insurance providers can spend more money on their beneficiaries and less on those processes. Platforms that can take in, study, and learn from data; refine judgments; and generate intelligent insight can also greatly reduce the need for expensive human data analysts.
When AI is injected into ways of working across the payer workforce, employees can be liberated from more tactical and mundane work. They can be redirected to more strategic tasks, tapping into previously unavailable internal and external data for more insight-driven ways of working. This can translate into new products and services that improve service and member health while supporting new growth strategies for the business.
"The use of AI in health insurance is quickly driving improvements and changing the relationship between payers, providers, and members. It helps enhance and streamline the member/patient experience and make internal operations easier," says Jeff Rivkin, research director, Payer IT Strategies at IDC Health Insights. "While there is still plenty of room to enlarge scope of this technology, it is clear that AI has a foothold in payers."
Jan-23
IDC PlanScape: Future of Modernizing Bank Branches to Develop the Right Mix of Digital and Physical
IDC PlanScape: Future of Modernizing Bank Branches to Develop the Right Mix of Digital and Physical
Jan-23 DOC # US47800121 IDC DecisionScape
This IDC PlanScape provides a framework for how financial institutions can lay out a branch modernization strategy to improve both the customer and the employee experiences. It provides the key use cases, processes, and success factors of deploying and implementing an overall branch modernization strategy to jump-start institutions wondering where to begin and to embrace the benefits of their existing branch network.
"The branch remains a focal point of debate regarding the necessity and role in supporting customers' financial journeys," says Marc DeCastro, research director, IDC Financial Insights. "Investments in modernizing the branch will create operational efficiencies, provide better experiences for the customer and employee, and help promote the brand and does not require a complete rip-and-replace approach."
Jan-23
The Current Uses and Untapped Potential of Non-Fungible Tokens
The Current Uses and Untapped Potential of Non-Fungible Tokens
Jan-23 DOC # AP49969122 Insight
This IDC Market Perspective peels back the layer of hype around non-fungible tokens (NFTs) to determine its true purpose and potential as a digital asset as well as showcase the growing and innovative use cases in the financial industry and other industries.
"It is very easy to pigeonhole NFTs as simple collectibles, but we are currently only seeing the tip of the iceberg in terms of these digital assets. We are seeing more and more innovative use cases for NFTs, such as asset fractionalization, especially in the more developing markets, hinting at the untapped potential of this digital asset," says Abhishek Kumar, Associate Research Director, IDC Financial Insights.
Jan-23
CCM Solutions in Insurance: Key Providers and Use Cases Within Claims Management — Becoming a Digital-First Claims Organization
CCM Solutions in Insurance: Key Providers and Use Cases Within Claims Management — Becoming a Digital-First Claims Organization
Jan-23 DOC # US49909223 Presentation
This IDC Market Presentation covers the customer communication management (CCM) application market in Europe. It emphasizes solutions that offer capabilities special to the insurance sector and focuses on claims management.
Tidal waves of disruption are sweeping the insurance sector, forcing insurers to rethink their methodology for business expansion on a fundamental level to keep up with the underlying shifts in customer loyalty and retention. The rise of the internet, price comparison aggregators, and embedded insurance are driving this strategy shift. Although each distribution disruption milestone was followed by economies of scale and increasing digital connectivity, insurers saw a decline in customer relationship ownership.
Before examining the leading suppliers and use cases in this IDC Market Presentation, we will first analyze market development for cloud-based CCM and the opportunity it brings for insurers. Insurers will focus on claims as they experiment with CCM technology to become what the industry calls "digital-first claims organizations."
This presentation covers the following sections:
Jan-23
Implications of Using ChatGPT to Improve the Customer Financial Journey
Implications of Using ChatGPT to Improve the Customer Financial Journey
Jan-23 DOC # lcUS49322623 IDC Blink
A tipping point appears to have been reached recently with the public release of an AI tool from OpenAI called ChatGPT. GPT stands for generative pretrained transformer, which is a large language model (LLM) that propels AI to the next level of engagement and needs to be on the radar for banks and credit unions.
Jan-23
Infosys EMEA Confluence 2022: Analyst Takeaways
Infosys EMEA Confluence 2022: Analyst Takeaways
Jan-23 DOC # EUR149983023 Insight
This IDC Market Note provides event highlights and analysts takeaways from Infosys' EMEA Confluence event, held in Rome on November 23, 2022. The company highlighted its successes, detailed its streamlining efforts, and provided insight into investments across the portfolio.
Jan-23
Knowledge Management System Opportunity for the Insurance Space: An Overview of Trends, the Insurance Framework, Solutions, and Use Cases
Knowledge Management System Opportunity for the Insurance Space: An Overview of Trends, the Insurance Framework, Solutions, and Use Cases
Jan-23 DOC # US49413323 Presentation
This IDC Tech Buyer Presentation provides an overview of the different opportunities for knowledge management systems in the insurance industry.
Organizations are increasingly citing knowledge management (KM) systems as a strategic asset and source of competitive advantage. While the issues of knowledge management seem quite straightforward, there remains a lack of studies that demonstrate the benefits of KM in enhancing organizational performance, especially in the insurance sector.
This IDC Tech Buyer Presentation starts by identifying knowledge management challenges when it comes to the insurance industry. It then determines what might be a common KM application framework that depicts both major application functionalities and discusses the most promising application domains and use cases.
This presentation also highlights notable vendors that are positioning their solutions in this field. It provides a brief profile for each vendor as well as its key messages.
This presentation will cover:
Jan-23
IDC PeerScape: Sustainable Insurance Part 2: — Practices to Decrease IT and Operational Footprint in Sustainable Insurance
IDC PeerScape: Sustainable Insurance Part 2: — Practices to Decrease IT and Operational Footprint in Sustainable Insurance
Jan-23 DOC # US49910423 IDC DecisionScape
"Mutualizing and managing risks are at the heart of insurance — two concepts that are closely related to environmental, social, and governance (ESG) standards. This represents a clear opportunity for insurers to reclaim their societal purpose to fuel growth and attract new customers by showcasing their commitment to sustainability. Some insurers are now attempting to gain competitive advantage through sustainable products, while others are starting a more proactive conversation with government about how they can contribute to what appears to be a new social contract," said Davide Palanza, research manager, IDC's Insurance Digital Business Strategies.
Jan-23
IDC FutureScape Webcast: Worldwide Banking 2023 Predictions
IDC FutureScape Webcast: Worldwide Banking 2023 Predictions
Jan-23 DOC # US49981422 Event Proceeding
This IDC Web Conference presents a discussion by Jerry Silva, research vice president, IDC Financial Insights; and Marc DeCastro, director of IDC's Worldwide Consumer Banking Engagement Strategies, about four of the top 10 predictions for worldwide banking, shaped by a common set of key drivers that IDC believes will direct the future of banking over the next five years. The next five years will be decisive for banks as banks that fail to modernize and transform to a digital business will fall behind peers that are investing in technology today. Predicting the future of banking, and the implications of technology strategy at financial institutions, has become more and more difficult over the past three years. But IDC believes that the predictions in this presentation along with the rest of the 10 predictions discussed in IDC FutureScape: Worldwide Banking 2023 Predictions (IDC #US48660022, October 2022) document will enable banks to overcome the challenges of rigid architectures and strategies and put those institutions in a better position to navigate the dynamic, and sometimes chaotic, market environments of the future.
"Today's goal for banking worldwide is to overcome the immediate challenges in the markets, while mapping out a longer-term strategy for growth and innovation during calmer times", said Jerry Silva, research vice president, IDC Financial Insights. "The banks that can map out strategic investments, leveraging appropriate technologies, will be best prepared to remain resilient and profitable in any situation."
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Dec-22
Artificial Intelligence Is Transforming Risk and Compliance: Results from IDC's 2022 Industry AI Path Survey
Artificial Intelligence Is Transforming Risk and Compliance: Results from IDC's 2022 Industry AI Path Survey
Dec-22 DOC # US49938822 Insight
This IDC Perspective reviews the findings of IDC's 2022 worldwide Industry AI Path Survey specifically for artificial intelligence (AI) as a transformational technology to support risk and compliance in global banking. Today's risk and compliance environment is complex and changing fast. Automation with AI and advanced analytics are reshaping the ways that banks manage risk and compliance. Banks recognize that to minimize risk of financial crimes or errors and address changing compliance issues, they need to proactively detect, prioritize, and contextualize issues. AI enables banks to update their processes using a more sophisticated, comprehensive approach with real-time data analytics.
"Banks seeking to address heightened regulatory expectations and the increasingly complex and challenging risk landscape should consider adopting cloud-based AI technologies to increase their pace of innovation while enabling process improvements and operational efficiencies," says Sean O'Malley, research director, IDC Financial Insights: Worldwide Compliance, Fraud and Risk Analytics Strategies.
Dec-22
Embedded Finance: Driving Infrastructure Modernization
Embedded Finance: Driving Infrastructure Modernization
Dec-22 DOC # US49940722 Insight
This IDC Perspective discusses how embedded finance is driving infrastructure transformation. There is much discussion about the term embedded finance, particularly in the context of other terms that have been used lately in the financial services industry. IDC believes that embedded finance is an evolutionary step in the process of what will ultimately be an open environment in which the roles of multiple, heterogenous industries will come together to provide value to customer, both consumers and businesses.
"The line between the financial institution and the customer base at large is blurring," says Jerry Silva, program vice president, IDC Financial Insights. "As much of a threat as financial institutions believe it may be, the trend toward embedded finance and multi-industry ecosystems is inevitable, so it's best to prepare for that eventuality."
Dec-22
IDC PeerScape: Core Banking Modernization Practices for Creating Resiliency and Innovation
IDC PeerScape: Core Banking Modernization Practices for Creating Resiliency and Innovation
Dec-22 DOC # US49938522 IDC DecisionScape
This IDC PeerScape describes implementation practices for core banking modernization.
"Core modernization used to be considered a 'career limiting' venture if it was not successful," says Jerry Silva, program vice president, IDC Financial Insights. "But using modern, open platform architectures and more options for deployment alternatives derisks many of the aspects of core modernization that used to plague the CIO."
Dec-22
Industry Personas Handbook: Worldwide Financial Services 2022/2023
Industry Personas Handbook: Worldwide Financial Services 2022/2023
Dec-22 DOC # EUR149869022 Presentation
This IDC Market Presentation seeks to provide technology vendors with a better understanding of the roles in financial services organizations. It aims to answer the following questions:
“Increasing competition and market complexity compels technology providers to carefully articulate their value propositions to the different personas they are selling to. They should understand and leverage the KPIs that each persona is measured on." — George Briford, Director, IDC Financial Services Insights
Dec-22
中国证券业IT解决方案市场份额，2021：市场永不眠，核心交易系统波澜再起
中国证券业IT解决方案市场份额，2021：市场永不眠，核心交易系统波澜再起
Dec-22 DOC # CHC48764922 Study
展望未来，中国证券业IT解决方案市场仍有巨大的增长空间，这是因为中国证券业科技投入仍有巨大的增长空间。原因有三：第一，中国多层次资本市场的建设，将为中国证券IT市场带来巨大的机会。第二，中国证券业数字化转型正处于全面加速阶段，数字化转型将逐步从零售经纪业务扩展到机构业务、资产管理、投资银行、自营投资、中后台等多个领域。第三，中国证券业IT投入目前仍处于较低水平。2021年中国证券公司IT投入总额为303.55亿元，但是2021年摩根士丹利和高盛单个公司的IT投入就高达198亿和100亿元人民币，而中资十大券商除华泰外，其他券商的平均投入均在12亿元左右。人力层面，国际一流券商的IT员工数在1-2万人，IT员工占比约为20-30％，中资十大券商平均IT员工数1200人，IT员工占比重低于10％。资金投入及团队建设较国际一流差距较为明显。
“中国证券业IT解决方案市场正站在一个全新的历史起点上。一方面，中国证券市场正在经历自诞生30年来最剧烈的变革，这将重塑整个市场，从而影响到与证券市场发展相关的各个方面。另一方面，证券业数字化转型正带来更多全新的市场机会。未来3-5年，在证券业IT解决方案的基石领域核心交易系统，分布式低时延技术是否会重构市场格局，值得持续关注。”——IDC中国金融行业研究经理温泉表示。
“近两年来，证券业IT解决方案向平台化演进的趋势愈加显现。未来，这将为证券业数字化转型深度赋能。传统架构的复杂性和高投入在一定程度上使得证券行业IT技术债积累较高，迭代更新较为缓慢。但是随着如嵌入式服务等业务模式创新所带来的对于云原生、AI/ML等新兴技术的需求将会影响证券行业技术发展的进程和方向。”——IDC中国金融行业研究总监高飞表示。
Dec-22
Nonbank Consumer Lenders Feeling the Pain of Higher Interest Rates
Nonbank Consumer Lenders Feeling the Pain of Higher Interest Rates
Dec-22 DOC # lcUS49980122 IDC Blink
As discussed in a recent article in The Wall Street Journal, nonbank consumer lenders are caught in a high interest rate squeeze. The biggest impact for these alternative lenders is occurring for auto loans, buy now, pay later (BNPL) plans, and mortgages. Consumers are also feeling the pain, especially subprime borrowers that usually rely on nonbank lenders for installment loans.
Dec-22
Proceedings from the IDC European Financial Services Summit 2022
Proceedings from the IDC European Financial Services Summit 2022
Dec-22 DOC # US49411922 Insight
This IDC Perspective summarizes key takeaways from the 2022 IDC European Financial Services Summit, held as a digital event on November 8, 2022, together with partners Red Hat, Elastic, GitLab, Microsoft, and UiPath. The event featured banking and insurance representatives such as ING, Komerční banka, Generali, UniCredit, NatWest, the Euro Banking Association, and the Italian Insurtech Association.
"The future of financial services will be dominated by continuous change, as financial institutions adapt to a highly volatile and complex operating environment," said Tom Zink, senior research director at IDC Financial Insights. "Resilience, ecosystem banking, embedded finance, hybrid work transformation, and deep dives into various key technology solutions to facilitate and enable these largescale transformations dominated our agenda in 2023."
Dec-22
The State of Embedded Retail Brokerage Services
The State of Embedded Retail Brokerage Services
Dec-22 DOC # US49937422 Insight
This IDC Perspective provides a timely commentary on the state of embedded retail brokerage services against the backdrop of increasing adoption of embedded finance and banking-as-a-service solutions. The report reviews the manifestations of embedded brokerage and explores a recent, prominent real-world example of the potential of embedded investments to achieve scale (assets under management) at speed. IDC provides its perspective on the evolving nature of competition in the retail brokerage market and examines some key inhibitors to embedded retail brokerage services adoption.
"The capacity for financial service providers to make their core value proposition available through nonfinancial channels in a profitable manner is emerging as a key competitive differentiator and is giving rise to an ecosystem of disruptive, enabling technologies," says Thomas Shuster, research director, Worldwide Capital Markets Digital Strategies at IDC.
Dec-22
2022年 国内金融IT市場動向調査： デジタルによって他業態と融合する国内金融機関
2022年 国内金融IT市場動向調査： デジタルによって他業態と融合する国内金融機関
Dec-22 DOC # JPJ49717622 Study
本調査レポートでは、国内金融機関のIT支出動向を調査、分析している。国内金融機関は18業態に分類し、2021年～2026年のIT支出動向を分析する。現在の激変する経営環境に対してデジタル技術やデータを活用し新しいビジネスモデルを構築して他の産業分野に進出する金融機関および金融サービスに進出する企業が増加しており、金融機関と他の産業分野の企業が融合しつつある。このような状況で、国内金融機関の新しいビジネスモデル構築、または金融サービスを展開する他の産業分野の企業への支援を中心にデジタルトランスフォーメーション（DX）の取り組みを分析し、さらに国内金融機関が成長、または生き残るための施策について考察する。
国内金融機関と他の産業分野の企業との間では融合が進んでいるが、特に国内金融機関と他の産業分野の企業が連携するケースが最も多く、今後も国内金融機関と他の産業分野の企業におけるそれぞれの強みを生かした連携を中心に両者の融合が進むとみている。このような状況の中で国内金融機関は、持続的に収益を拡大させるために、自社の既存ビジネス、顧客基盤を活用したこれまでにない新しいビジネスモデル構築を模索している。したがって、「ITサプライヤーは、単に金融機関と他の産業分野の企業とのマッチングやシステム連携を支援するだけではなく、新しいビジネスモデルの創造に向けて積極的に参画することが求められる」と、IDC Japan ITスペンディングのリサーチマネージャーである市村 仁は分析している。
Dec-22
Consumer Payments in the Age of Economic Change
Consumer Payments in the Age of Economic Change
Dec-22 DOC # US49930822 Insight
This IDC Perspective highlights how inflation and increasing interest rates have become factors in the global economy for the first time in the era of digital payments. Consumers are shifting their purchasing behavior and, by extension, their payment behavior to adapt. As a result, banks are being forced to respond in order to retain customers and revenue. Focusing on flexible payment product development platforms will help issuers become nimble and resilient.
According to Aaron Press, research director, Worldwide Payment Strategies at IDC, "Economic changes are driving consumers to think differently about how they make payments. Banks much adapt their thinking, and their technology, to keep pace."
Dec-22
IDC FutureScape Webcast: Worldwide Insurance 2023 Predictions
IDC FutureScape Webcast: Worldwide Insurance 2023 Predictions
Dec-22 DOC # US49950122 Event Proceeding
This IDC Web Conference presents some of its top 10 predictions for the insurance industry. The next five years will be decisive for insurers as they now have direct access to the mature technological tools required to further optimize their traditional business models and, more importantly, to reframe the role and purpose of insurance in society by rebuilding intimate connections with customers, enhancing and personalizing engagement, and ultimately unlocking latent demand.
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Dec-22
Oracle CloudWorld 2022: No Longer Your Father's Oracle
Oracle CloudWorld 2022: No Longer Your Father's Oracle
Dec-22 DOC # US49838522 Insight
This IDC Market Perspective discusses relevant news, announcements, and themes from Oracle's CloudWorld 2022 event held in Las Vegas on October 17–20, 2022.
Over the past several years, Oracle has shifted its entire business focus and strategy toward the cloud, so the new event name is aptly fitting. However, "it was quite apparent from the get-go that much more than just the name of the event has changed. Oracle reorchestrated the entire conference to focus on two key priorities: Oracle customers and their customer success," said Eric Newmark, IDC's GVP and GM of SaaS, Enterprise Applications, and Worldwide Services.
Nov-22
Key Takeaways From Sibos 2022
Key Takeaways From Sibos 2022
Nov-22 DOC # US48664022 Insight
This IDC Perspective summarizes key topics and highlights of Sibos 2022 that took place in Amsterdam on October10-13. The event provided information, debates, and exhibition spaces for the global financial industry, involving most major ICT providers and many significant financial institutions. Major topics were discussed, illustrating several points of view and covering most areas of banking, from customer onboarding to cross-border payments clearing and settlement. In this documents you will find a selection of topics considered as highly relevant by IDC. This document contains a selection of topics considered as highly important by IDC.
"Sibos is a great venue for the banking industry and the financial community to come together and pinpoint the hot topics in financial services providers' agendas for the following year," said Maria Adele Di Comite, research director, IDC Financial Insights.
Nov-22
PwC EMEA Financial Services Analyst Day 2022
PwC EMEA Financial Services Analyst Day 2022
Nov-22 DOC # EUR249827722 Insight
This IDC Market Note provides a perspective on PwC's EMEA Financial Services Analyst Day, held in person in October 2022. IDC's European Financial Insights analysts attended the event, which featured several PwC partners and clients.
Nov-22
IDC FutureScape Webcast: Worldwide Capital Markets 2023 Predictions
IDC FutureScape Webcast: Worldwide Capital Markets 2023 Predictions
Nov-22 DOC # US49830022 Event Proceeding
This IDC Web Conference presents a discussion by Thomas Shuster, research director for IDC's Worldwide Capital Markets Digital Strategies, on the selection of IDC's Top 10 predictions for the global capital markets. Reflecting on trends in digital business, meaningful technological intelligence, and ecosystem-based innovation, Shuster examines potential near-term outcomes in various facets of the capital markets and considers how technology providers and technology buyers can prepare.
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Nov-22
IDC FutureScape Webcast: Worldwide Corporate Banking 2023 Predictions
IDC FutureScape Webcast: Worldwide Corporate Banking 2023 Predictions
Nov-22 DOC # US49830222 Event Proceeding
This IDC Web Conference highlights the most transformative technology-driven trends in corporate banking for the next five years. It also discusses IDC's impact assessment on the industry as well as the implications for IT and business. This session is important for corporate bankers and IT vendors alike, as it will help organizations prioritize their investments and IT road map.
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Nov-22
IDC FutureScape Webcast: Worldwide Digital Lending 2023 Predictions
IDC FutureScape Webcast: Worldwide Digital Lending 2023 Predictions
Nov-22 DOC # US49830122 Event Proceeding
This IDC Web Conference is presented by the Worldwide Consumer and Small Business Digital Lending team. Worldwide digital lending has been disrupted for both lenders and borrowers alike by factors including economic instability, geopolitical events, and the global supply shock. IDC analysts will look ahead to 2023 and beyond with predictions that will resonate across the financial services sector. Technology sellers and buyers, plus related stakeholders of digital lending products and solutions, will receive strategic guidance on managing the implications of these predictions discussed in the presentation.
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Nov-22
IDC FutureScape Webcast: Worldwide Payment Strategies 2023 Predictions
IDC FutureScape Webcast: Worldwide Payment Strategies 2023 Predictions
Nov-22 DOC # US49829822 Event Proceeding
This IDC Web Conference presents a discussion by Aaron Press, research director for Worldwide Payment Strategies at IDC, on the key predictions that will impact CIOs and IT professionals in the payments industry over the next one to five years. Senior IT leaders and line-of-business executives will come away with understanding of impending changes in payments and with guidance for managing the implications of these predicted shifts and their impacts on IT investment priorities and implementation strategies.
To learn more about IDC FutureScape 2023, go to www.idc.com/events/FutureScape.
Nov-22
IDC Opens Nominations for the 2023 Asia/Pacific Financial Insights Innovations Awards
IDC Opens Nominations for the 2023 Asia/Pacific Financial Insights Innovations Awards
Nov-22 DOC # prAP49839522 Press Release
Most sought-after award opens search for outstanding achievements in the financial services sector
Oct-22
IDC PeerScape: Sustainable Insurance Part 1 — Practices to Enhance Vision and Engagement
IDC PeerScape: Sustainable Insurance Part 1 — Practices to Enhance Vision and Engagement
Oct-22 DOC # US47802822 IDC DecisionScape
The keys to a more sustainable world are technology and innovation, which is why the purpose of this IDC PeerScape for sustainability insurance is to shed some light on which technologies might support insurance organizations infusing ESG principles into their business growth strategies and their operational models. This IDC PeerScape study, the first in a two-part series, will outline three practices for developing a comprehensive, sustainable strategy and underlying transformational plan, namely creating a framework for holistic risk governance, forming partnerships that center around the sustainable ecosystem (setting up for economies of scope, scale, and skills), and developing sustainable products and services. A sustainability vision is the only way to boost yield and reduce strategic risk; it is not just a marketing gimmick nor an industry goal. Adapting to new societal expectations, dealing with expanding regulatory requirements, reducing the protection gap, generating new revenues, and improving resilience are now more important than lowering carbon footprints.
Part 2 of this IDC PeerScape will be published shortly after the first publication, with additional best practices focusing on embedding ESG strategies within insurance operations. Among many other actions, this means implementing energy-efficient, paperless business practices to decrease the carbon footprint of the insurance operations as well as setting up sustainable real estate strategies.
"Mutualizing and managing risks are at the heart of insurance — two concepts closely related to environmental, social, and governance integration and climate change abatement. This represents a clear opportunity for insurers to reclaim their societal purpose to fuel growth and attract new customers by showcasing their commitment to sustainability. Some insurers are now attempting to gain competitive advantage through sustainable products, while others are starting a more proactive conversation with governments on how they can contribute to what appears to be a new social contract," said Davide Palanza, research manager, IDC's Insurance Digital Business Strategies.
Oct-22
IDC FutureScape: Worldwide Banking 2023 Predictions
IDC FutureScape: Worldwide Banking 2023 Predictions
Oct-22 DOC # US48660022 IDC DecisionScape
This IDC study provides IDC's 2023 top 10 predictions for banking. Predicting the future of banking and the implications of technology strategies at financial institutions has become more and more difficult over the past three years. But IDC believes that the predictions in this document will enable banks to overcome the challenges of rigid architectures and strategies and put those institutions in a better position to navigate the dynamic, and sometimes chaotic, market environments of the future.
"Today's goal for banking worldwide is to overcome the immediate challenges in the markets, while mapping out a longer-term strategy for growth and innovation during calmer times," said Jerry Silva, research vice president, IDC Financial Insights. "The banks that can map out strategic investments, leveraging appropriate technologies, will be best prepared to remain resilient and profitable in any situation."
Oct-22
IDC FutureScape: Worldwide Capital Markets 2023 Predictions
IDC FutureScape: Worldwide Capital Markets 2023 Predictions
Oct-22 DOC # US49319022 IDC DecisionScape
This IDC study presents the top 10 predictions and key drivers for the capital markets for the next five years.
"Over the next five years, a confluence of external drivers is expected to materially impact the competitive basis on which most established capital markets firms have historically engaged. Institutions that triangulate appropriate technological investment and human talent with the market opportunity arising from structural change can expect to come out on top," says Thomas Shuster, research director, Worldwide Capital Markets Digital Transformation Strategies.
Oct-22
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions
IDC FutureScape: Worldwide Corporate Banking 2023 Predictions
Oct-22 DOC # US49411822 IDC DecisionScape
This IDC Financial Insights FutureScape presents the top 10 predictions for the corporate banking industry.
"Caught between a rock and a hard place, the corporate banking industry is facing massive pressure to ensure liquidity and stabilize financial supply chains, while dealing with the deteriorating credit quality in the light of an emerging recession and rising interest rates," said Tom Zink, senior research director, IDC Financial Insights. "At the same time, the ongoing transformative pressure to support the emerging ecosystem is forcing banks to move quickly or face disintermediation by other ecosystem participants."
Oct-22
IDC FutureScape: Worldwide Digital Lending 2023 Predictions
IDC FutureScape: Worldwide Digital Lending 2023 Predictions
Oct-22 DOC # US49321222 IDC DecisionScape
This IDC study presents the top 10 predictions for digital lending for 2023 and beyond.
"2023 will bring a shift in the lender-borrower relationship as consumer and small business borrowers expect convenience and immediacy in the loan application and decisioning process. Legacy and fintech lenders find themselves in a highly competitive market and must invest in IT solutions such as cloud computing, AI, big data, analytics, and mobility to optimize their revenue opportunities," said Raymond Pucci, research director of Worldwide Consumer and Small Business Digital Lending at IDC. "For 2023, IT buyers should prioritize tech investments that are heavy on automation and productivity gains within core banking loans operations."
Oct-22
IDC FutureScape: Worldwide Future of Customer Experience 2023 Predictions
IDC FutureScape: Worldwide Future of Customer Experience 2023 Predictions
Oct-22 DOC # US48543222 IDC DecisionScape
This IDC study explores 10 of the most urgent business and technology issues that customer experience executives across the C-suite must address to differentiate and prepare themselves to thrive in the next era of customer experience.
According to Sudhir Rajagopal, research director, Future of Customer Experience at IDC, "In a world of accelerated uncertainty, the next era of CX innovation will be led by those brands that improve value for the customer through empathy and delivering outcomes for customer success. Thrivers will share and apply intelligence at the speed of customer engagement, create new customer engagement models and metrics for a digital business, and tap into the power of decentralization/Web3 to create equitable value parity in customer and business outcomes alike."
Oct-22
IDC FutureScape: Worldwide Insurance 2023 Predictions
IDC FutureScape: Worldwide Insurance 2023 Predictions
Oct-22 DOC # US47802922 IDC DecisionScape
This IDC FutureScape presents the top 10 predictions for the insurance industry.
"After the dramatic developments of the past few years, the insurance risk-reward equation has never been so compelling in demonstrating the essentiality of the insurance promise not only to foster global economic health and increased financial wellness but also to protect what people value most," said Davide Palanza, research manager, IDC Financial Insights. "Insurers that have developed and implemented digital-ecosystem-centric strategies designed to flexibly adapt to business disruptions and capitalize on the changed conditions will thrive in the coming years. Digital resilience in the new era of digital-platform-enabled business models is the indispensable condition of success for the whole industry. Now is the time to boldly move forward."
Oct-22
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions
IDC FutureScape: Worldwide Payment Strategies 2023 Predictions
Oct-22 DOC # US49544323 IDC DecisionScape
This IDC study presents top 10 predictions for payments. Each prediction is shaped by a common set of key drivers and provides a planning tool for technology leaders and their line-of-business counterparts to use in their strategic planning efforts. The predictions included in this study are an indicator of the changing landscape in payments and its impact across multiple use cases.
According to Aaron Press, research director, Worldwide Payment Strategies at IDC, "Payments continue to see rapid change and remain a leading source of motivation for innovation and evolution in financial services. Looking to the future, I see no sign of a slowing pace of change."
Oct-22
FinovateFall 2022 Provides Glimpse into Next Wave of Consumer Banking Customer Experience Solutions
FinovateFall 2022 Provides Glimpse into Next Wave of Consumer Banking Customer Experience Solutions
Oct-22 DOC # lcUS49749722 IDC Blink
The FinovateFall 2022, an event that allows fintech’s seven minutes to demonstrate their innovative solutions live in front of end users, investors, the media and analyst community, was back in New York City and was their biggest FinovateFall to date signaling a return for many to live in person events. IDC Financial Insights sent a team of analysts to cover the event, as well as to announce the IDC FinTech Rankings and Real Results winners, which can be found here.
Oct-22
EMEA Digital Regulations and Policies Radar
EMEA Digital Regulations and Policies Radar
Oct-22 DOC # EUR149640022 Insight
This IDC Market Perspective discusses the most relevant digital regulations and policies affecting the EMEA region. It discusses industry exposure for each regulation or policy and assesses the impact on tech providers and related market opportunity. Finally, it offers advice to tech providers on how to best navigate the volatility and uncertainty scenario by engaging with the regulatory landscape.
"Whether new regulations provoke minor changes in compliance or introduce entirely new market dynamics, it is key for tech providers to understand the landscape in which an organization is immersed and develop the capabilities to respond," said Anielle Guedes, Regulations and Policies Research lead in EMEA. "The digitalization of industries introduces new technology-related risks and raises the necessity for organizations to implement continuous monitoring of their technological risk profiles and then ensure they are effective," said Neli Vacheva, research manager, EMEA Data and Analytics.
Sep-22
Compliance and Sanctions Screening: Key Considerations for Financial Institutions
Compliance and Sanctions Screening: Key Considerations for Financial Institutions
Sep-22 DOC # EUR249708822 Insight
This IDC Perspective details the important factors financial institutions must consider in relation to regulatory compliance, specifically sanctions screening. Because new sanctions are quickly introduced, financial entities must be able to draw on proper data sources and, more importantly, utilize technologies like machine learning to properly evaluate the names of sanctioned entities, efficiently draw conclusions to minimize the number of false positives, and reduce the possibility of being fined for non-compliance by regulatory bodies.
“Financial entities must be able to react quickly and assess data from sanctions lists if they are to minimize the risks of being fined. AI technologies like natural language processing augment their capacity to spot irregularities during the onboarding of potential clients.” — Research Director George Briford, IDC Financial Insights
Sep-22
IDC PeerScape: 中国农村数字金融实践与案例
IDC PeerScape: 中国农村数字金融实践与案例
Sep-22 DOC # CHC48764822 IDC DecisionScape
在此背景下，农村数字金融的探索已经开始，破解传统农村金融难题的实践也已经开始。
"中国农村数字金融正在进入全新的发展阶段。不同于2014年以后P2P平台、互联网公司对农村金融的探索，这一阶段的主要驱动因素有政策支持、农村数字基础设施的建设、数字技术的应用、数据的共享等。这一阶段的发展，目前尚处于初步的探索期。同时，有两方面的新趋势值得关注：其一，农村数字金融的发展，政策驱动是主因，但在政策驱动的背后，是有经济自然发展规律和技术进步支撑的，符合农业农村的发展需求。其二，未来中国农村数字金融的发展有可能逐渐淡化'公益'和'扶贫'的色彩，而是成为商业可持续的业务。中国农业GDP占比巨大、农村人口基数庞大。在金融科技的产业应用方向中，农业场景兼具广阔的市场空间与强大的监管助力，极具拓展价值，新的商业模式或带来更强盈利弹性。但是同时需要指出的是，中国农村数字金融的繁荣发展，未来是建立在中国农村各项制度改革的基础之上的。只有制度改革使得生产力释放，农村数字金融的商业可持续才有根基。"——IDC中国金融行业研究部研究经理温泉表示。
Sep-22
IDC Perspective: Banking on the Cloud: Results from the 2022 CloudPath Survey
IDC Perspective: Banking on the Cloud: Results from the 2022 CloudPath Survey
Sep-22 DOC # US48660522 Insight
This IDC Perspective reviews the findings of IDC's 2022 Worldwide Industry CloudPath Survey specifically for the banking industry. Cloud services form the foundation for the banking industry's transformation to a digital business to improve innovation and gain business agility while improving resilience to disruptions from rising inflation, geopolitical challenges, and a growing digital-native population. As what IDC's 2022 Worldwide Industry CloudPath Survey shows, banks need a breadth of cloud services and need to operate in multicloud environments given that 83% of the banks surveyed use public and private cloud platforms.
"Cloud continues to be a growing component of the bank's digital infrastructure as banks recognize the importance of cloud services for their ability to innovate while improving resilience against current and future disruptions," says Jerry Silva, Vice President, IDC Financial Insights' Global Retail Banking Program. "This year's IDC Worldwide Industry CloudPath Survey shows us that the banking industry continues to accelerate cloud adoption based on the real benefits proven in the market," he adds.
Sep-22
IDC PeerScape: 金融行业智能运维实践案例洞察
IDC PeerScape: 金融行业智能运维实践案例洞察
Sep-22 DOC # CHC48765122 IDC DecisionScape
目前，智能运维在金融领域应用已成为刚需，银行、保险、证券等金融机构正加速建设智能运维体系，其应用已经从单点实验阶段推向管理运营阶段。市场中也涌现出了以场景驱动、数据驱动、产品创新而开展智能运维的实施部署与管理运营的智能运维体系建设的优秀实践案例。在运维场景中，应用/组件监测、监控告警、故障发现与定界、故障诊断、根因分析、故障自愈等是主要的运维场景，其中监测场景是智能运维的基础场景，智能运维的建设往往也以监测对象为基础，通过整合与拓展运维对象，构建运维大数据平台，在“数据管理+工具开发+AI算法”等支撑下，可以实现监控告警、故障定界、故障诊断、根因分析、故障修复等场景的智能化管理，从而有效实现运维全生命周期的低成本、高效率、高质量管理。
“智能运维正加速迈向以运营效果为导向的大规模应用落地阶段。智能运维的规模化落地需要以运维对象为抓手，在运维数据分析和先进技术应用的基础上，逐渐加强运维场景的深度服务与广度拓展。同时，也需注重智能运维的标准化建设（包括业务流程标准化、数据应用标准化、组件定义标准化等）和组织的扁平化、虚拟化转型。未来，随着智能运维的深入应用，智能运维场景也将逐渐从单一场景向生态化发展。”——IDC中国金融行业高级分析师思二勋表示。