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Informationen zum Autor TIM WALKER is a former Partner in Deloitte's Financial Services Consulting practice. He has over two decades of experience working for banking and payments institutions implementing new front, middle, and back office technology. LUCIAN MORRIS is the CIO of the Mortgage Advice Bureau in the UK. Formerly a Director in Deloitte's Financial Services Consulting practice, Lucian has worked with many of the UK high street banking and fintech start-up organisations and was CIO of Metro Bank during its launch. Klappentext Competitive advantage in banking comes from effective use of technologyThe Handbook of Banking Technology provides a blueprint for the future of banking, with deep insight into the technologies at the heart of the industry. The rapid evolution of IT brings continual change and demand for investment -- yet keeping pace with these changes has become an essential part of doing business. This book describes how banks can harness the power of current and upcoming technology to add business value and gain a competitive advantage; you'll learn how banks are using technology to drive business today, and which emerging trends are likely to drive the evolution of banking over the next decade.Regulation is playing an ever increasing role in banking and the impact of regulatory change on technology and the management of it are discussed -- while mandatory changes put pressure on many of our high street banking brands, their ability to adapt and utilise technology will have a fundamental impact on their success in the rapidly changing marketplace.Technology costs can amount to 15 per cent or more of operational costs and bank leaders need to be able to make informed decisions about technology investments in light of the potential benefits. This book explores the depth and breadth of banking technology to help decision makers stay up to date and drive better business.* Assess your current technology against the new banking paradigms* Procure the systems needed to protect the bottom line* Implement newer technology more efficiently and effectively* Ensure compliance and drive value with appropriate technology managementTechnological change is driven by mass adoption of new channels, innovation from new entrants, and by banks themselves as a means of increasing revenue and reducing costs. The Handbook of Banking Technology offers a comprehensive look at the role of technology in banking, and the impact it will have in the coming years. Zusammenfassung Competitive advantage in banking comes from effective use of technology The Handbook of Banking Technology provides a blueprint for the future of banking, with deep insight into the technologies at the heart of the industry. Inhaltsverzeichnis Preface ix Chapter 1 Introduction 1 1.1 Banking and the Rise of Technology 1 1.2 The Challenges of Technology in Large Banks 3 1.3 Navigating This Book 4 1.4 References 7 Chapter 2 The History and Current State of Banking 8 2.1 A Brief History of Banking 8 2.2 Cash, Gold and Digital Money 11 2.3 Branch Centrism 14 2.4 Banking Consolidation 16 2.5 The Development of Modern Banking Products and Services 24 2.6 Developments in Banking Technology 33 2.7 The Challenges of Technology in Banking 39 2.8 New Banking Models 41 2.9 The Impact of the 2008 Banking Crisis 46 2.10 The Current State of Banking 50 2.11 Further Reading 55 2.12 References 56 Chapter 3 An Introduction to Banking Technology 67 3.1 Introduction 67 3.2 A Model of a Simple Bank 67 3.3 The Core Banking Platform 68 3.4 Database Architectures 72 3.5 Making Platforms Highly Available 80 3.6 Platform Architectures 85 3.7 Revisiting Our Simple Model of a Bank 91 3.8 ...
