De acuerdo a un análisis que hizo KPMG con varios líderes internacionales en ciberseguridad de la firma, el crecimiento de los bancos virtuales no es solo una amenaza competitiva para las entidades tradicionales; también está forzando el ritmo en la transformación de la infraestructura de la Tecnología de la Información (TI) para mantener el ritmo de los nuevos jugadores que entran a la industria.
El ritmo al que se están desarrollando estos nuevos jugadores está obligando a la banca tradicional a adoptar enfoques más ágiles para administrar su propia infraestructura de TI. Un cambio transformador importante de la plataforma de un banco solía llevar entre 2 y 5 años. Pero ahora se enfrentan a nuevo actores sin sistemas heredados para actualizar y están forzando el ritmo de transformación.
El ritmo al que se están desarrollando los nuevos jugadores está obligando a la banca tradicional a adoptar enfoques más ágiles
Según KPMG, actualmente la tendencia habla de actualizar los sistemas bancarios cada 4 a 6 meses. Esto ejerce una gran presión sobre el personal de TI de un banco, que tiene que gestionar las implicaciones de seguridad de acelerar el cambio y, al mismo tiempo, lidiar con el legado de sistemas antiguos y la inversión más baja.
Según Diego Balestra, , socio líder de Management Consulting de KPMG, «las organizaciones de servicios financieros están compitiendo no solo con sus pares tradicionales, sino también con un número creciente de disruptores digitales ágiles, como los bancos virtuales. El ritmo al que se están desarrollando estos nuevos actores está obligando a los bancos tradicionales a adoptar enfoques más ágiles para administrar sus propia infraestructura de TI «.
Inclusión de nuevas tecnologías
Las nuevas tecnologías también están revolucionando las interacciones y las transacciones dentro de la banca, como la Inteligencia Artificial y los bots, pero también deben mantenerse con una correa, para garantizar que sean seguras y confiables, y que contribuyan en lugar de interrumpir la experiencia del cliente.
Con todo lo que está disponible como servicio, la firma indica que las organizaciones de servicios financieros deben garantizar que su gobierno corporativo y controles sean suficientes para hacer frente a una gama creciente de socios, particularmente cuando se trata de selección de proveedores, seguridad de datos y privacidad.
Y estos roles de los oficiales de riesgo cambiarán a medida que la política cibernética, el riesgo y el cumplimiento pasen del Director de Seguridad de la Información (CISO) al Jefe de Riesgo Cibernético, abriendo la puerta a una convergencia de fraude y riesgo cibernético.
Fuente: https://revistabyte.es/
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