埃森哲-报告：清晰的云端（英文）-2018.11-16页-1mb

CLOUD AND CLEAR: Summary

Core Content

The document outlines the critical need for banks to adopt cloud technologies to remain competitive in the rapidly evolving digital banking landscape. It highlights the challenges banks face due to legacy IT systems and emphasizes the importance of developing a comprehensive cloud strategy and implementation plan. The report is based on a survey of 35 global retail banking executives, conducted by Accenture, and provides insights into current cloud adoption practices, maturity levels, and key action steps for successful cloud migration.

Main Points

1. Cloud Adoption is Urgent

• Banking is undergoing significant disruption due to digitization, with new competitors emerging and traditional banks losing market share.
• In the UK, 14% of retail and commercial banking revenue has shifted to new entrants, and many neo-banks have surpassed 1 million customers.
• Cloud enables faster development of new applications, improved customer experience, and the integration of data-intensive technologies like AI and analytics.

2. Current Cloud Strategy Gaps

• Only 57% of banks have a cloud strategy or are in the early stages of implementation.
• Many banks lack a comprehensive cloud strategy and an enterprise-level operating model.
• 43% of banks are either in the experimental phase or have not started thinking about cloud strategy.

3. Need for a New Operating Model

• Banks must redefine their IT operating models to support cloud adoption.
• Only 25% of banks have defined a new operating model, and just 37% have a cloud strategy execution roadmap with KPIs.

4. Application Modernization and Cloud-Native Development

• 94% of banks have or plan to conduct formal analysis of legacy applications for migration, but only 31% have a strategy for cloud-native application development.
• Code-level assessments for migration readiness are rare, with less than a quarter having conducted them.

5. Cloud Management and Skills

• Banks are investing in cloud management teams, but there are significant gaps in skills related to cloud infrastructure and applications.
• Only 45% of banks have mature or advanced skills in managing cloud infrastructure, and 60% in managing cloud applications.

6. Security and Compliance

• Security and compliance remain major concerns for cloud adoption.
• 37% of banks have only early-stage policies for cloud regulatory compliance, and only 34% have complete plans for addressing security and compliance issues.

7. Cloud Maturity and Leadership

• A quarter of the surveyed banks (26%) are ahead of their peers in cloud readiness, with a score of 84% versus 59% for the rest.
• The Cloud Readiness Index is a tool for assessing maturity and progress in cloud transformation.

Key Action Steps

1. Identify Low-Hanging Fruit

   • Prioritize applications that are easily migrated to the cloud.
   • Conduct deeper analysis to identify areas where cloud can drive innovation.

2. Invest in Cloud Skills

   • Focus on building expertise in cloud management, particularly in applications and infrastructure.

3. Transform Processes and Tools

   • Move from experimentation to production-level cloud capabilities.
   • Implement cloud management platforms and ensure internal users have the support to secure and use cloud resources.

4. Develop Actionable Cloud Strategies

   • Create detailed roadmaps and timelines for cloud adoption.
   • Ensure the strategy aligns with the bank’s overall business goals and operational model.

5. Ensure Compliance in Cloud Implementation

   • Share cloud roadmaps with compliance teams early.
   • Define interactions with regulatory bodies to ensure smooth cloud adoption.

Regional Insights

• North America: Banks are adopting public cloud, with AWS being a key platform. Many are experimenting with IaaS and are in the early stages of cloud readiness.
• Asia Pacific: Banks are using cloud to reduce costs and improve time-to-market for new applications.
• Europe and Latin America: Similar trends are observed, with a focus on cloud transformation and the need for strategic planning.

Conclusion

The document underscores that cloud adoption is not optional for banks but a strategic imperative. While many banks recognize the need for cloud transformation, they are still in the early stages of implementation. A well-defined cloud strategy, skilled teams, and a mature operating model are essential to accelerate the transition and realize the full potential of cloud technologies. Banks must act swiftly and systematically to avoid falling behind in the digital age.