2024-09-17-Capgemini-通过可组合银行业务推动金融创新-借助凯捷_IBM和Temenos_释放三者的力量（英）_12页_4mb

Overview

This report details a strategic collaboration between Capgemini, IBM, and Temenos to advance financial innovation through composable banking. The focus is on transforming middle and back-office functions in banking by leveraging cloud computing, artificial intelligence, and regulatory-compliant platforms, enabling greater agility, efficiency, and scalability for financial institutions.

Key Challenges Addresed

• The banking industry faces challenges such as regulatory compliance, data security risks, high operational costs, and fragmented IT systems, which hinder innovation.
• Traditional approaches to cloud and AI transformation often lack focus on back-office functions, leaving opportunities for improvement.

Proposed Solution

• The collaboration delivers a composable banking platform using multiple Temenos products (e.g., Transact, TAP/AAA, TDH) integrated on an IBM Cloud infrastructure.
• This platform employs microservices and containerization (Kubernetes pods) for hardware efficiency, rapid deployment, and seamless integration with existing systems.
• It addresses regulatory, security, and governance requirements while reducing tech debt and enabling faster time-to-market for banking services.

Key Benefits

• Enhanced Efficiency: Improves end-user experience, scalability, and faster customer acquisition, along with reduced operating costs.
• Cloud Advantages: Utilizes IBM Enterprise Cloud for regulated industries, ensuring high performance, security, and compliance, while significantly lowering total cost of ownership.
• Innovation Acceleration: Combines capabilities like generative AI, hybrid cloud, and flexible deployments to drive business value and support digital transformation.
• Risk Mitigation: Platform features include robust controls for security, compliance, and performance, leading to better risk management and operational reliability.

Partnership Highlights

• Capgemini, IBM, and Temenos share expertise in cloud, AI, and financial services, bringing over 25 years of Temenos integration experience and leveraging IBM's cloud framework.
• This collaboration allows joint clients to move from proof-of-concept to full-scale production, supported by extensive CoE resources and industry-specific use cases.
• Benefits include access to secure, high-performing foundational models, and cost savings through optimized cloud infrastructure and reduced vulnerabilities.

Unique Aspects and Expansion

• The Temenos Payments Hub accelerates instant payments implementation and modernization.
• Cloud strategies incorporate private/public hybrid options, with specific advantages like IBM Power systems offering superior performance and energy efficiency.
• The solution supports banks of all sizes through scalable, microservices-based architecture, fostering financial inclusion and innovation.

Overall, the collaboration positions Capgemini and IBM as leaders in delivering transformative banking solutions, driving digital and sustainable growth in the financial sector.