德勤全球-Cloud-banking_-More-than-just-a-CIO-conversation_12页_3mb

报告摘要

Cloud Computing Summary

Core Content

Cloud computing is no longer just a technological discussion; it is a strategic imperative for executive management and boards of financial services institutions (FSIs). It is seen as a platform for business transformation and a key enabler of innovation, efficiency, and resilience in the banking industry.

Main Points

Cloud as a Business Platform: Cloud computing is a platform for enterprise transformation, enabling financial institutions to innovate, optimize operations, and improve business performance. It is not just about cost savings or scalability but also about creating new business frontiers and enhancing customer experiences.
Strategic Areas for Cloud Utilization:
- Above the Line: Focuses on new business frontiers.
  - Synchronize the enterprise by integrating data and enabling shared insights.
  - Drive business innovation through emerging technologies like machine learning, IoT, AR/VR, and natural language processing.
  - Unleash new talent and ways of working by aligning technology with business needs and using cloud-based tools to enhance productivity and agility.
- Below the Line: Focuses on organizational optimization.
  - Build resilient operations by replicating data and applications across multiple data centers or regions.
  - Enhance IT security by leveraging the advanced security measures provided by cloud providers.
  - Scale computing costs dynamically, moving from capital-intensive models to operational-based ones.
Cloud Deployment Models: Banks can adopt a mix of hybrid and multi-cloud strategies without needing to be fully cloud-based. This allows for flexibility and incremental transformation, with most organizations choosing a multi-cloud approach.
Use Cases and Impact:
- Business Impact: Includes customer analytics, cross-product analytics, intraday liquidity and risk calculations, regulatory reporting, anti-money laundering (AML), and smart settlements.
- Technology Impact: Involves storage, reporting and analytics, containers, APIs, and master data management.
Cloud as a Catalyst: Cloud computing is a key driver in shaping the future of banking, enabling the "Bank of 2030" by transforming how banks operate, innovate, and serve customers.

Key Information

Adoption Trends: From 2016 to 2018, Deloitte observed a threefold increase in organizations adopting cloud solutions for innovation.
Leadership Role: CIOs and CTOs are primary drivers of cloud transformation, followed by CEOs and business leaders.
Regulatory Compliance: Cloud platforms help meet evolving regulatory requirements and support data-driven compliance processes.
Vendor Management: To avoid lock-in and leverage best practices, financial services organizations should adopt a multi-vendor/multi-cloud strategy, with a focus on common governance and architectural understanding.
Security Model: Cloud security is shared between providers and clients, with providers managing the infrastructure layer and clients responsible for application and data security.

Conclusion

Cloud computing is reshaping the financial services industry, offering opportunities for innovation, cost reduction, and operational efficiency. It is essential for banks to plan and implement cloud strategies incrementally, using a combination of hybrid and multi-cloud models to align with business needs and future goals. The Deloitte report highlights the importance of cloud in driving the transformation of the banking sector and provides insights into how it can be leveraged effectively.