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IDC, the world's leading market consultancy, consulting and conference services provider for the information and communications technology sector, has designed how it will be next year for the banking industry to adopt technology. Among its main conclusions, it is assumed that digital affiliates, behavioral analysis and the modernization of the payment integration integration architecture will be key factors.
Jonathan Namuncura, analyst at IDC Chile, indicates that these efforts "will make it possible to better serve the diverse and broader portfolio of bank customers" and adds that "from an internal perspective, one of the most important changes will be agility associated with their digital competences.The technology / transformation zone will be responsible for capturing value and adding speed to these highly regulated organizations.This, according to our study Digital Transformation: Case Taxonomy 2018: Banking.
IDC notes that the major challenges for the banking sector by 2019 will be to advance its digital services and adjust its digital transformation strategy. "Into the Study on cloud adoption, corporate segment, made for the Chilean market, we have seen significant advances in cloud adoption and its cybersecurity investments. Thus, these developments are expected to materialize in concrete initiatives and projects in the course of 2019, "adds Namuncura.
With regard to Digital Bank, a scenario of opportunities between traditional institutions and the Fintech world is expected. "A good way to move forward is by integrating and working together to design new products in non-banking market segments, to provide new prepaid means or to facilitate the opening of bank accounts through digital mechanisms. point is also applicable to SMEs, "says IDC analyst.
Namuncura explains that the digital transformation strategy, based on analyzes conducted "in the banking sector, has seen changes in its structures aimed at generating greater power in the field of technology, improving budget allocation and giving transversality to its initiatives."
End User Factor
At the level of end-users, the expert points out that "for the next few years, the physical / digital relationship will be more and more obvious. Either in branches, services and care facilities, users will mostly seek a combination of experience with these institutions "and, in this sense," the omnichannel strategy will be fundamental to meeting these challenges. "
"It is expected that there will be an active relationship between the public and private sectors to improve and generate a fluid scenario among customers, regulators and the private sector," he concludes.
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