| Document Preview

How Are Financial Organizations Changing Their Security Investment Plans to Foster Their Readiness Toward Enhanced Digital Operational Resilience?

Mar-23 DOC # US49413922 Presentation

Authors:

• Maria Adele Di Comite

This IDC Survey Spotlight presents insights from IDC's Future Enterprise Resiliency & Spending Survey — Wave 12, January 2023, addressing the budget plans of IT buyers worldwide. IT leaders face an array of conflicting challenges in 2023 as they develop IT budgeting plans that anticipate potential economic disruptions while still maintaining the shift to digital business models. At the end of 2022, IDC connected with IT leaders around the world to gain insight into how they are navigating disruptions and prioritizing technology investments. IDC's Global Technology Thought Leadership group conducts a monthly survey (IDC's Future Enterprise Resiliency & Spending Survey) to understand how IT and business leaders in enterprises around the world are assessing risks and addressing cost management for their growing portfolios of technology resources.

In this document, the focus is on 2023 budget expectations for security products and services of finance IT buyers, also in light of the evolving regulatory landscape (for example, under the EU Digital Operational Resilience Act known as DORA) and the subsequent high priority that is given to projects, initiatives, and investments aiming to enhance security and digital resilience in the industry.

| Document Preview

AI and ML in Fraud Management: Key Trends, Perspectives, and Challenges

Mar-23 DOC # US47800721 Insight

Authors:

• Maria Adele Di Comite

This IDC Perspective addresses how the deployment of AI- and machine learning (ML)–enabled fraud prevention systems brings benefits to banks' fraud management operations, optimizing the operational efficiency of the fraud detection effort. By adopting ML fraud prevention systems, banks can protect their customers from fraud, meeting their expectations for a frictionless customer experience at cash-out.

Banks can leverage the overwhelming amount of data at speed and scale, thanks to AI and ML's ability to process huge data sets and to enable real-time data-driven decision making with actionable insights. Furthermore, machine learning is dynamic, and it is possible to leverage and fine-tune the models over time and to swiftly adjust to changing scenarios.

The other advantage is the optimization of fraud analysts' time, which will be able to dedicate more attention to real suspicious transactions, without having to investigate too many false positive transactions, and to provide a better service in addressing the customers' claims.

"Banks adopting ML fraud prevention system enhance the customer experience and the consumer trust in electronic payments. Furthermore, the banks' involvement in voluntary info-sharing arrangements will enrich the available data feeds to be processed by ML-enabled fraud prevention solutions and will lead to an enhanced ability to discover new fraud patterns to the overall benefit of each individual customer," says Maria Adele Di Comite, research director, IDC Financial Insights Corporate and Retail Banking.

| Document Preview

Financial Institutions Turn to Professional Services to Optimize Cloud Services

Mar-23 DOC # US50453623 Presentation

Authors:

• Jerry Silva

This IDC Survey Spotlight highlights how financial institutions are turning toward professional services to facilitate their cloud migration path and modernization efforts. Over half of the financial institutions surveyed in IDC's 2022 Digital Transformation Professional Services Survey seek help from professional services in their cloud migration to guide them in developing the right cloud architecture supported by appropriate data sets that enable them to create innovative new services to distinguish them in meeting changing customer needs and develop the business agility needed to ride the waves of disruption.

| Document Preview

2023 IDC中国金融行业技术应用场景创新案例评选正式开启

Mar-23 DOC # prCHC50473323 Press Release

北京，2023年3月9日——IDC中国金融行业技术应用场景创新案例评选基于IDC在全球金融科技发展及行业趋势的研究，为技术服务商提供对金融机构更为全面的理解，为行业用户在金融科技的战略部署及创新实践提供洞察，助力金融机构实现数字优先。该评选每年吸引来自银行、保险、证券及其他类型金融机构的积极参与。通过对入选案例的进一步研究，IDC金融行业研究团队（IDC Financial Insights）对中国金融行业数字化转型领域的洞察也在不断深入并被越来越多的用户所认可。

| Document Preview

IDC Asia/Pacific names CTBC Bank and FWD Group as Banking and Insurance Leaders for 2023

Mar-23 DOC # prAP50468223 Press Release

13 Banking and Insurance Leaders recognized in the 2023 Financial Insights Innovation Awards

| Document Preview

台灣金融機構展現實力，一舉拿下IDC 2023年亞太金融創新服務獎四項大獎

Mar-23 DOC # prAP50470423 Press Release

臺北，2023年3月8日 ─ IDC今日於新加坡舉行「AFSC亞太金融服務大會」中公布贏得2023年亞太金融創新服務獎（FIIA）的十三家亞太區銀行和保險公司，其中來自台灣的得獎金融機構高達四家。在近二十年中，FIIA旨在表彰透過新穎的IT創新應用實現業務目標的亞洲領先金融服務機構。

| Document Preview

Japan 3rd Platform Forecast Update by Vertical Segment and Company Size, 2022–2026

Mar-23 DOC # JPE49974923 Study

Authors:

• Ko Shikita

This study categorizes the Japan industry into a total of 21 industry sectors, comprising 17 enterprise segments and 4 nonenterprise segments: central government, local government (referred to as municipalities in IDC's market definition), education, and consumers. The report also presents actual (2021) and forecast (from 2022 to 2026) 3rd Platform spending in each sector. Further, it analyzes the market across five company sizes and provides forecast data for the 3rd Platform spending by industry and company size. The market forecasts used in this study considers the impact of the COVID-19 pandemic, the Russia-Ukraine War, and economic trends such as inflation and the weak yen.

Ko Shikita, Vertical and Cross Technologies Research Manager at IDC Japan, says, "In response to recent government and corporate trends in Japan related to environmental protection, which is a global concern, IT suppliers should explore opportunities to support sustainability and ESG activities of companies in various industries by leveraging IT and digital, such as carbon accounting solutions using the IoT and ESG-related data management platforms."

| Document Preview

Microsoft's Acquisition of a 4% Equity Stake in London Stock Exchange Group

Mar-23 DOC # EUR250415523 Insight

Authors:

• George Briford

This IDC Market Note provides insight into Microsoft's planned acquisition of a nearly 4% stake in London Stock Exchange Group (LSEG) as part of a 10-year cloud partnership. Through this strategic partnership, Microsoft will leverage its cloud and AI capabilitiesto architect LSEG's data infrastructure and build intuitive next-generation productivity, data and analytics, and data modelling solutions.

| Document Preview

IoT Investment Trends, Use Cases, and Solution Preferences in Insurance — 2023 Update: Telematics Insurance Framework

Mar-23 DOC # US49910224 Presentation

Authors:

• Davide Palanza

This IDC Tech Buyer Presentation provides an overview of the current Internet of Things (IoT)–centric technology trends in the insurance industry, outlining all the fundamental components, new application streams, and use cases. One of the fastest-growing segments in the global IoT market is insurance. IoT spending appears to be especially important for property and casualty (P&C) and health insurers, given the increased demand for usage-based insurance (UBI) products in these sectors due to the rise of telematics. Insurance executives are now doubling down on this area as they realize that telematics can improve risk management, drive cost out of the claims process, enhance customer loyalty through creating opportunities for regular contact, and open new possibilities for sales channels and revenue-generating services in partnership with businesses from other sectors.

This presentation begins with a dictionary alignment section that further identifies the building blocks for IoT technology. It addresses the Insurance Telematics Framework, a high-level depiction of the value that telematics can provide to insurance in terms of primary application streams. This section sheds more light on a publicly accessible and sizable case study to provide more context for each prominent application currently under development. This will help readers better understand the application context for such a broad-reaching technology.

This presentation contains the following sections:

• IoT Trends and Enabling Technologies
• Telematics: The Insurance Telematics Framework
• IoT Insurance Case Studies
• Decision Points and Wrap-Up

| Document Preview

中国医保信息系统市场预测，2023-2027

Feb-23 DOC # CHC50369923 Study

Authors:

• Erin Lin
• Leon Xiao

本报告研究了中国医疗保障信息系统发展的现状和未来趋势，分析了国家级、省级和市级的医疗保障信息平台和医疗保障信息系统的建设进展和未来方向，对医疗保障信息系统解决方案市场规模做出预测与分析。本报告可供医疗保障信息系统厂商在开发产品和制定发展策略时参考，也可供医疗保障管理部门在制定发展规划时参考，还可供投资机构在制定投资策略时参考。

"医保信息系统建设依旧保持快速增长，尽管疫情的因素导致项目建设进度推迟，但市场需求仍然旺盛。各级医保信息系统已经逐步跨过信息化时代，向数字化迈进，对于基础设施和基础应用的需求正在放缓。市场的主要增长需求已经从基础硬件和基础信息平台建设转向深化应用、创新应用开发、数据治理、平台运维升级的需求。这些构成了医保IT市场的主要增长动力，其中软件和服务的占比将不断增加。从解决方案来看，核心系统仍然是主要需求，DRG/DIP系统仍将保持较高增速，而数据治理和公共服务与增值模块的需求将会成为来市场规模增长的持续动力。医保信息化厂商需要不断适应市场变化，在完善现有业务的同时，丰富自身能力。目前市场上两类厂商仍然呈现错位竞争，核心系统的建设厂商仍占据较高的市场份额，未来市场的需求重点在不断迁移，在运维、创新应用开发、数据治理和应用方面具备优势的厂商将能赢得更高的市场份额。"——IDC 中国行业研究与咨询服务部高级市场分析师林红表示。

| Document Preview

Key Takeaways from NRF 2023 on Payments Transformation in Retail

Feb-23 DOC # US48657222 Insight

Authors:

• Margot Juros
• Aaron Press

This IDC Perspective discusses key takeaways from NRF 2023 on payments transformation in retail. NRF 2023 highlighted the impact of the growing strategic importance of omni-channel payments in retail point of sale (POS) with both payment and POS vendors unveiling new initiatives, partnerships, and integrations to meet customer demands for new payment types and enhance the customer experience at checkout. Emphasis was placed on achieving transactions that are as frictionless as possible for the shopper experience while keeping fraud at bay for the retailer with data-driven fraud mitigation solutions.

According to Aaron Press, research director, Worldwide Payment Strategies at IDC, and Margot Juros, research director, Worldwide Retail Technology Strategies, "In today's complex, shopper-driven retail environment, ensure that your omni-channel checkout experience provides a great customer experience that is as frictionless as possible to ensure customer loyalty and brand differentiation while mitigating fraud. Be aware of the growing importance of payments to consumers, particularly in using new payments and financing options."

| Document Preview

Consumer and Small Business Customers Are Ready for Banking on the Cloud

Feb-23 DOC # US49322423 Presentation

Authors:

• Marc DeCastro

This IDC Survey presents key findings from two recent surveys conducted by IDC regarding consumers' acceptance of cloud for their banking needs and highlights the key reasons why bank executives are turning more to cloud technology. The data is from IDC Financial Insights North American Consumer Banking Channel Preference Survey, which was fielded in January 2023, and IDC's Worldwide CloudPath Survey, which was fielded in June 2022.

This consumer channel survey has been conducted annually by IDC Financial Insights and provides consumers' and small business owners' sentiment across the entire omni-experience options during their entire financial journey. This document specifically looks at how these customers view the cloud and some of the key use cases that bank executives are turning to more frequently for cloud-native solutions.

"As the focus is shifting from resiliency to efficiency, there has been no greater opportunity for modernizing customers' digital banking experience utilizing cloud services," stated Marc DeCastro, research director, IDC Financial Insights. "The cloud is seen as the foundation that modern digital solutions will be born on, and customers recognize the importance of modern solutions to manage their digital banking needs."

| Document Preview

FIS Plans to Split with Worldpay

Feb-23 DOC # lcUS50414023 IDC Link

Authors:

• Marc DeCastro
• Raymond Pucci

In a surprise announcement, FIS said it plans to spin off its Worldpay merchant services and payments business. This major decision will unwind a $43 billion megadeal in 2019 that created a financial technology giant. The breakup, to be completed within a year, will result in two publicly traded companies operating on their own as they once did.

| Document Preview

FIS to Spin Off Worldpay Merchant Business

Feb-23 DOC # lcUS50380223 IDC Blink

Authors:

• Aaron Press

FIS has announced plans to spin off its Worldpay merchant payments processing business. The move comes in the wake of pressure from activist investors who complained that the integration efforts have not produced the expected synergies between the companies and that the overall valuations would be greater if the companies were separate.

| Document Preview

Showcasing Four Innovative Applications of Artificial Intelligence in Asia/Pacific Financial Services in 2022

Feb-23 DOC # AP46521820 Insight

Authors:

• Xiao Liu
• Abhishek Kumar

This IDC Perspective profiles four initiatives of artificial intelligence (AI) adoption undertaken by financial services institutions (FSIs) in the Asia/Pacific region, focusing on the emblematic use cases and the latest trends in the past 12 months. These updates have shown the benefits of AI adoption from laying out strong foundations of data management, improving the in-house capabilities of AI management, shifting the focus to industrializing processes, and deploying AI solutions throughout the enterprise.

"Many of the players that are leading in the AI journey are now starting to see the benefits and are doubling down on AI, deepening and expanding their initiatives across the enterprise. FSIs need to keep their AI initiatives aligned with their business objectives and as a part of a larger transformation of the organization with the related investments, such as cloud and big data solutions that need to work in tandem, to scale up AI and justify the ROI more effectively," says Xiao Liu, research manager, IDC Financial Insights Asia/Pacific.

| Document Preview

IDC FutureScape: 2023年中国银行业十大预测

Feb-23 DOC # prCHC50347823 Press Release

新闻稿 － 供及时发布

| Document Preview

The Rise of Digital Core in Insurance: The Road to Modernization

Feb-23 DOC # AP49079822 Insight

Authors:

• Surya Narayan Saha

This IDC Perspective offers insights into the prerequisites for digital core adoption by insurers. It essentially targets the dos and don'ts and the principles that insurance companies should consider while creating their strategy to transform their legacy core. The recommendations here recognize the need for transformation and why the time is now for insurers to act. A core transformation is not just an IT modernization effort but is rather a holistic approach to modernize an insurer's IT, processes, culture, and people. The main objective is to be more customer centric and meet client needs from every possible channel while staying aligned with the insurer's priority and ability.

It is important to note that modern consumers are looking for insurance products and services that are innovative, flexible, and personalized. The effective management of exceptional customer service by insurers will be determined by the choice of core transformation, which may include a combination of digital technology and operational overhaul.

"Insurance today is not a black and white landscape. Insurers must act to transform their core by leveraging the innovation potential of being digital in order to offer value-added solutions to customers across borders and ecosystems," says Surya Narayan Saha, research manager, IDC Financial Insights.

| Document Preview

Four at the Forefront: Shining Examples of Big Data and Analytics in Asia/Pacific Financial Services in 2022

Feb-23 DOC # AP47796522 Insight

Authors:

• Xiao Liu
• Abhishek Kumar

This IDC Perspective profiles four emergent big data and analytics initiatives that are empowering Asia/Pacific financial services institutions (FSIs) to operate with the rich insights behind the large volume of data they own. These projects, which utilize institutionwide resources with a meticulous approach and a detailed plan for the rollout, have achieved measurable benefits to the organizations.

"Big data and analytics is a necessary and essential initiative to future proof financial services institutions. The initiatives we see in the region are showing benefits for FSIs in both internal operations and customer journeys. FSIs need to ensure that they have an enterprisewide strategy in place, with a strong fundamental data infrastructure, by breaking down data silos," says Abhishek Kumar, associate research director, IDC Financial Insights Asia/Pacific.

"To maximize the benefits from big data and analytics initiatives, banks and insurers should consider integrating big data and analytics capabilities with investments in artificial intelligence/machine learning, robotic process automation, cloud, and others to address the pain points across the organizations and drive innovations," adds Xiao Liu, research manager, IDC Financial Insights Asia/Pacific.

| Document Preview

IDC FutureScape: 全球未来行业生态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

Feb-23 DOC # CHC50032122 Presentation

Authors:

• Siri Si
• Eric Gao
• Lianfeng Wu

本演示文档是同一主题的《IDC FutureScape: 全球未来行业生态2023年预测——中国启示》的附件，为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: 全球未来行业生态2023年预测——中国启示》。

| Document Preview

Cryptocurrency — Technological Developments and Enterprise Adoption

Jan-23 DOC # AP49986222 Insight

Authors:

• Michael Sek Pheng Yeo
• Abhishek Kumar
• Muhammad Adam Kamarul Zaman

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.

| Document Preview

IDC FutureScape: Worldwide Banking 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders

Jan-23 DOC # AP49972822 Presentation

Authors:

• Michael Sek Pheng Yeo

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.

| Document Preview

IDC FutureScape: Worldwide Banking 2023 Predictions — Asia/Pacific (Excluding Japan) Implications

Jan-23 DOC # AP48760322 Presentation

Authors:

• Abhishek Kumar
• Michael Sek Pheng Yeo

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."

| Document Preview

IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications

Jan-23 DOC # AP49981222 Presentation

Authors:

• Surya Narayan Saha

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.

| Document Preview

IDC FutureScape: Worldwide Corporate Banking 2023 Predictions — APEJ Implications: Positioning for Success: Opportunities for Tech Sales and Marketing Leaders

Jan-23 DOC # AP50044422 Presentation

Authors:

• Surya Narayan Saha

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.

| Document Preview

IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — APEJ Implications: Positioning for Success — Opportunities for Tech Sales and Marketing Leaders

Jan-23 DOC # AP50039223 Presentation

Authors:

• Muhammad Adam Kamarul Zaman
• Michael Sek Pheng Yeo

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.

| Document Preview

IDC FutureScape: Worldwide Payment Strategies 2023 Predictions — Asia/Pacific (Excluding Japan) Implications

Jan-23 DOC # AP50039123 Presentation

Authors:

• Muhammad Adam Kamarul Zaman
• Michael Sek Pheng Yeo

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."

| Document Preview

IDC FutureScape: 全球未来行业生态2023年预测——中国启示

Jan-23 DOC # CHC48764322 Presentation

Authors:

• Siri Si
• Eric Gao
• Lianfeng Wu

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。

| Document Preview

IDC FutureScape: 全球银行业2023年预测——中国启示

Jan-23 DOC # CHC49383623 Presentation

Authors:

• Eric Gao

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：

| Document Preview

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

Authors:

• Eric Gao

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》

| Document Preview

IDC Perspective: 中国隐私计算开源市场洞察，2022

Jan-23 DOC # CHC49985122 Insight

Authors:

• Alice Wen

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。"

| Document Preview

IDC PlanScape: Digital Operational Resilience for Financial Entities

Jan-23 DOC # US47801521 IDC DecisionScape

Authors:

• Maria Adele Di Comite

"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.

| Document Preview

Machine Learning Becomes a Key Enabler of Bank Operations Automation

Jan-23 DOC # lcUS50200823 IDC Blink

Authors:

• Raymond Pucci

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.

| Document Preview

Deep Dive: Artificial Intelligence for Payer Use Cases

Jan-23 DOC # US49995322 Insight

Authors:

• Jeff Rivkin

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."

| Document Preview

IDC PlanScape: Future of Modernizing Bank Branches to Develop the Right Mix of Digital and Physical

Jan-23 DOC # US47800121 IDC DecisionScape

Authors:

• Marc DeCastro

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."

| Document Preview

The Current Uses and Untapped Potential of Non-Fungible Tokens

Jan-23 DOC # AP49969122 Insight

Authors:

• Abhishek Kumar

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.

| Document Preview

CCM Solutions in Insurance: Key Providers and Use Cases Within Claims Management — Becoming a Digital-First Claims Organization

Jan-23 DOC # US49909223 Presentation

Authors:

• Davide Palanza

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:

• CCM Market: The Insurance Perspective
• CCM Adoption for Claims Management: The Insurance Framework
• Claims Communication Management Case Studies: A Glance at the CCM Market
• Decision Points and Wrap-Up

| Document Preview

Implications of Using ChatGPT to Improve the Customer Financial Journey

Jan-23 DOC # lcUS49322623 IDC Blink

Authors:

• Marc DeCastro

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.

| Document Preview

Infosys EMEA Confluence 2022: Analyst Takeaways

Jan-23 DOC # EUR149983023 Insight

Authors:

• Daniele Arenga
• Roberta Bigliani
• Jan Burian
• Mark Casidsid
• Maria Adele Di Comite

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.

| Document Preview

Knowledge Management System Opportunity for the Insurance Space: An Overview of Trends, the Insurance Framework, Solutions, and Use Cases

Jan-23 DOC # US49413323 Presentation

Authors:

• Davide Palanza

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:

• Knowledge Management: The Insurance Perspective
• Knowledge Management Framework for the Insurance Industry
• Knowledge Management System Vendors for Insurance

| Document Preview

IDC PeerScape: Sustainable Insurance Part 2: — Practices to Decrease IT and Operational Footprint in Sustainable Insurance

Jan-23 DOC # US49910423 IDC DecisionScape

Authors:

• Davide Palanza

"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.

| Document Preview

IDC FutureScape Webcast: Worldwide Banking 2023 Predictions

Jan-23 DOC # US49981422 Event Proceeding

Authors:

• Marc DeCastro
• Jerry Silva

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.

| Document Preview

Artificial Intelligence Is Transforming Risk and Compliance: Results from IDC's 2022 Industry AI Path Survey

Dec-22 DOC # US49938822 Insight

Authors:

• Sean O'Malley
• Karen Augustine

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.

| Document Preview

Embedded Finance: Driving Infrastructure Modernization

Dec-22 DOC # US49940722 Insight

Authors:

• Jerry Silva
• Karen Augustine

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."

| Document Preview

IDC PeerScape: Core Banking Modernization Practices for Creating Resiliency and Innovation

Dec-22 DOC # US49938522 IDC DecisionScape

Authors:

• Jerry Silva
• Karen Augustine

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."

| Document Preview

Industry Personas Handbook: Worldwide Financial Services 2022/2023

Dec-22 DOC # EUR149869022 Presentation

Authors:

• George Briford
• Davide Palanza

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:

• What are the key personas I need to address with my offerings, marketing messages, and sales campaigns?
• What are their strategic priorities, day-to-day activities, major pain points, and challenges?
• What are their KPIs?

“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

| Document Preview

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

Authors:

• Alice Wen
• Eric Gao

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。

| Document Preview

Nonbank Consumer Lenders Feeling the Pain of Higher Interest Rates

Dec-22 DOC # lcUS49980122 IDC Blink

Authors:

• Raymond Pucci

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.

| Document Preview

Proceedings from the IDC European Financial Services Summit 2022

Dec-22 DOC # US49411922 Insight

Authors:

• Tom Zink
• Davide Palanza
• George Briford
• Maria Adele Di Comite

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."

| Document Preview

The State of Embedded Retail Brokerage Services

Dec-22 DOC # US49937422 Insight

Authors:

• Thomas Shuster

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.

| Document Preview

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

Authors:

• Hitoshi Ichimura

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。

| Document Preview

Consumer Payments in the Age of Economic Change

Dec-22 DOC # US49930822 Insight

Authors:

• Aaron Press

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."

| Document Preview

IDC FutureScape Webcast: Worldwide Insurance 2023 Predictions

Dec-22 DOC # US49950122 Event Proceeding

Authors:

• Davide Palanza

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.

| Document Preview

Oracle CloudWorld 2022: No Longer Your Father's Oracle

Dec-22 DOC # US49838522 Insight

Authors:

• Eric Newmark
• Carl W. Olofson
• Kevin Permenter
• Dave McCarthy
• Michelle Morgan
• Jerry Silva
• Marc DeCastro
• Al Gillen
• Gerry Murray
• Matthew Merker
• Erin Hichman
• Christopher Webber
• Jim Mercer
• Philip Bues
• Jeff Newton

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.

| Document Preview

Key Takeaways From Sibos 2022

Nov-22 DOC # US48664022 Insight

Authors:

• Maria Adele Di Comite

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.

| Document Preview

PwC EMEA Financial Services Analyst Day 2022

Nov-22 DOC # EUR249827722 Insight

Authors:

• George Briford
• Tom Zink

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.