Estos son dos objetivos que tienen en común las entidades bancarias de todo el mundo que están abordando procesos de transformación digital para lo que es fundamental disponer de un marco común que les ayude a acelerar el desarrollo y entrega de sus servicios.
Ésta es una de las conclusiones que se desprenden de la mesa redonda que ha tenido lugar en abierto durante la primera de las jornadas, en la que han participado expertos en tecnología de bancos (Santander y el estadounidense PNC); de fintechs (MyTripleA y 2gether Bank), y proveedores de tecnología (Epiphany y Sngular).
Los participantes coincidieron en que la transformación digital de la banca es un imperativo y en que la tecnología es un habilitador clave. Sin embargo, no menos cierto es que entre el 60-80% de los presupuestos de los bancos tradicionales se destina a mantener la infraestructura legacy o heredada. Ante esta situación, es importante acelerar la velocidad del cambio y confiar en buenos partners tecnológicos que faciliten la evolución desde entornos centralizados y monolíticos a un mundo distribuido, así como una transformación rápida mediante la adopción de metodologías ágiles y tecnologías que aportan valor al negocio.
Los representantes de la banca y fintechs han coincidido en que big data es la tecnología que más impacto tendrá en el corto plazo
En su opinión, la banca no está muerta pero aquellas organizaciones que no evolucionen a modelos digitales tendrán problemas o no sobrevivirán. La digitalización les permitirá centrarse más en el cliente y acelerar la puesta en producción de los servicios digitales, cuestión que a día de hoy están liderando las empresas fintech.
Tecnologías disruptivas
Los representantes de la banca y fintechs han coincidido en que big data es la tecnología que más impacto tendrá en el corto plazo ya que, combinada con soluciones de machine learning, aumenta en gran medida la capacidad predictiva de las organizaciones en áreas como la medición del riesgo.
También están impulsando la digitalización de la banca las arquitecturas de microservicios, cloud computing y blockchain, esta última en la medida en que permitirá poner en marcha nuevos modelos de negocio.
Por otro lado, señalaron que el Open Banking con la apertura de los datos que conlleva, que en la Unión Europa está regulada por la normativa PSD2, supondrá una nueva oportunidad de generación de ingresos y de que el consumidor acceda a servicios bancarios innovadores.
Durante la primera jornada, celebrada ayer, la BIAN dio a conocer también los últimos avances en torno a su propuesta de marco común, denominada API Exchange, una serie de 89 definiciones de API estandarizadas que tiene como objetivo impulsar la adopción de nuevos servicios digitales mucho más rápido.
Del 19 al 21 de marzo, la multinacional tecnológica Sngular es la anfitriona de la reunión de la BIAN, de la que es miembro activo y con la que sus expertos han colaborado al desarrollo de este conjunto de APIs, creado en un entorno de colaboración para garantizar la interoperabilidad, la seguridad y la conformidad normativa.
“Para nosotros ha sido un placer poder abrir nuestro sHub a una asociación como BIAN ya que compartimos ese espíritu de colaboración y la necesidad de impulsar un ecosistema de innovación. Además, nos sentimos muy cómodos en el entorno bancario tras más de 20 años trabajando con grandes entidades del sector”, explicó Alma Miller, country manager de Sngular en Estados Unidos.
Fuente: https://www.revistabyte.es
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