Banking Reloaded
-
Upload
cloudops-summit -
Category
Technology
-
view
477 -
download
8
description
Transcript of Banking Reloaded
![Page 1: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/1.jpg)
Banking Reloaded
25. September 2013CloudOps, Frankfurt am Main
Frank Schwab
www.imacor.de
![Page 2: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/2.jpg)
Do we really need banks and if so how will they adapt to business in a technical, but also in a customer facing sense?
![Page 3: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/3.jpg)
“Jedes Geschäft und jeder Haushalt sollte ein Computer haben”
Bill Gates als er ein Teenager war.
![Page 4: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/4.jpg)
”Es gibt keinen Grund
für jemanden einen
Computer zu Hause
zu haben.“
Ken Olson,
president, chairman and founder of
Digital Equipment Corp., 1977
![Page 5: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/5.jpg)
Es ist sehr schwer
Vorhersagen zu treffen,
insbesondere,
wenn sie die Zukunft
betreffen.
Sir Winston Leonard Spencer-Churchill
![Page 6: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/6.jpg)
“We need banking,
no banks”
(1999)
![Page 7: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/7.jpg)
Anzahl amerikanischer Banken
Quelle: FDIC
1990 20112000
16.000
8.000
![Page 8: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/8.jpg)
Anzahl deutscher Banken
Quelle: Deutsche Bundesbank
1990 20112000
0
2.000
4.500
![Page 9: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/9.jpg)
Quelle: Deutsche Bundesbank
1995 20112003
Anzahl deutscher Bankfilialen
0
40.000
70.000
![Page 10: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/10.jpg)
4.714
in Milliarden Euro
2003 2011
3.805
Privates Geldvermögen der Deutschen
![Page 11: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/11.jpg)
Warum?
![Page 12: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/12.jpg)
Produkt
Preis
Entscheidung
Vertrag
Sicherheiten
Konto
Kunde
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Kredit in der Filiale
CRM
Sicherheiten
Produkt
Preis
Entscheidung
Vertrag
Konto
Kunde
Kontakt
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Kredit im Internet
CRM
Produkt
Preis
Entscheidung
Vertrag
Sicherheiten
Konto
Kunde
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Firmenkunden-kredit Filiale
CRM
Sicherheiten
Produkt
Preis
Entscheidung
Vertrag
Konto
Kunde
Kontakt
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Firmenkunden-kredit Internet
CRM
Sicherheiten
Produkt
Preis
Entscheidung
Vertrag
Konto
Kunde
Händler
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Konsumenten-kredit
CRM
Produkt
Preis
Entscheidung
Vertrag
Sicherheiten
Konto
Kunde
Beitreibung
Transaktion
Output
Archiv
Buchung
Position
Identität
Baufinanzierung Filiale
CRM
Produkte sind redundant
und inkonsistent über
Produktlinien und Kanäle
implementiert
Beispiel: Kreditlandschaft einer Retailbank
![Page 13: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/13.jpg)
IBM Mainframe
Sun Server
Intel blade
Tandem
Thin clients
Fat clients
AIX Server Server FarmJede Technologie
jeder Dekade
![Page 14: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/14.jpg)
C++
3270
MI
Red Dot
Cross Beam
Struts
jsp
PHP
18 Fenster!
![Page 15: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/15.jpg)
![Page 16: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/16.jpg)
![Page 17: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/17.jpg)
![Page 18: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/18.jpg)
![Page 19: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/19.jpg)
Traditionelle Banken
werden sich
- wie Telefongesellschaften zuvor –
zu reinen
Infrastrukturprovidern
entwickeln
![Page 20: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/20.jpg)
Traditionelles Banking
![Page 21: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/21.jpg)
![Page 22: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/22.jpg)
Quelle: Geschäftsberichte ING*DiBa
2002 2011
ING DiBa wächst in allen Dimensionen
Kunden
Erträge
Mitarbeiter
1,8 Mio
-4 Mio €
914
7,4 Mio
660 Mio €
2.936
![Page 23: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/23.jpg)
Retail und Private Banking Marktanteile von Privatbanken- Affluent Kunden
Filiale
1990 2020
Mobile
?2005
Internet
![Page 24: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/24.jpg)
“Die Zukunft ist
immer schon da
- sie ist nur nicht
gleich verteilt.”
- William Gibson, Fiction Novelist
![Page 25: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/25.jpg)
![Page 26: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/26.jpg)
17 Millionen Nutzer in Kenya
40.000 Safaricom Agenten
Jetzt auch Einlagen und Kredite
![Page 27: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/27.jpg)
2000 2003 2007
![Page 28: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/28.jpg)
Design + Funktionalität + Nutzerorientierung = Life style
![Page 29: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/29.jpg)
Preise
Abdeckung
Kundennutzen
Bandbreite
Bedienung
![Page 30: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/30.jpg)
2011 20162012 2013 2014 2015
662 Mio
> 4 Mrd
Quelle: Cisco, 2012
Anzahl internet-fähiger mobiler Endgeräte
![Page 31: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/31.jpg)
72% Fernsehen
Video Games
Musikhören
Zeitunglesen
Buchlesen
Internet
Smartphones werden immer und überall genutzt
Quelle: Market simplidied
![Page 32: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/32.jpg)
Digital Natives
![Page 33: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/33.jpg)
![Page 34: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/34.jpg)
![Page 35: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/35.jpg)
![Page 36: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/36.jpg)
If I had asked people what they wanted, they would have said faster horses.
Der Widerstand gegen Veränderung wird aufgegeben, sobald es realen Nutzen gibt
![Page 37: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/37.jpg)
Angreifer
![Page 38: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/38.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 39: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/39.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 40: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/40.jpg)
![Page 41: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/41.jpg)
![Page 42: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/42.jpg)
![Page 43: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/43.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 44: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/44.jpg)
![Page 45: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/45.jpg)
![Page 46: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/46.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 47: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/47.jpg)
![Page 48: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/48.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 49: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/49.jpg)
![Page 50: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/50.jpg)
![Page 51: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/51.jpg)
Vertrauen
Kre
dit
geb
en
Tran
sform
ati
on
Verm
ög
en
bild
en
Zahlu
ng
sverk
eh
r
Kunde
![Page 52: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/52.jpg)
Square
>2 Mio Nutzer
>6 Mrd USD
![Page 53: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/53.jpg)
![Page 54: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/54.jpg)
![Page 55: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/55.jpg)
![Page 56: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/56.jpg)
![Page 57: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/57.jpg)
- 6 Sekunden
![Page 58: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/58.jpg)
Will Produkte mitgestalten
Erwartet ein besseres
Kundenerlebnis
Informiert sich online
Vertraut dem Rat von Peers in
Online Foren
Nutzt neue Formen der
Kommunikation
Kauft immer mehr online
Der NeueKunde
![Page 59: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/59.jpg)
Einbettung in gesamtes
Kundenerlebnis
![Page 60: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/60.jpg)
Wo sind hier die Banken?
![Page 61: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/61.jpg)
Nichtbanken und Angreifer
bestimmen zurzeit das
Tempo
![Page 62: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/62.jpg)
Kunde
Zahlungs-verkehr
Wertpapier
Kredit
Einlagen
![Page 63: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/63.jpg)
Banken werden sich beeilen
müssen
![Page 64: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/64.jpg)
![Page 65: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/65.jpg)
Was ist denkbar?
![Page 66: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/66.jpg)
![Page 67: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/67.jpg)
Traditionelle Banken könnten dieAutofinanzierung zurückgewinnen
Autohändler
Lokations-basierte Services
![Page 68: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/68.jpg)
Kanalübergreifendes Gesamterlebnis
![Page 69: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/69.jpg)
Eigenheim
Top Wunsch der Deutschen
![Page 70: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/70.jpg)
![Page 71: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/71.jpg)
![Page 72: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/72.jpg)
Zukunftsfiliale der Dresdner Bank
![Page 73: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/73.jpg)
R I P
![Page 74: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/74.jpg)
![Page 75: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/75.jpg)
Die Bank sollte bei der
Entstehung des Kundenwunsches
bereits dabei sein
![Page 76: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/76.jpg)
![Page 77: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/77.jpg)
Context Banking
Weiter
Sind interessieren sich für ein Haus?
Wir können IhrenTraum erfüllen.
![Page 78: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/78.jpg)
Scan
![Page 79: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/79.jpg)
![Page 80: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/80.jpg)
18 €
53 €
5 €12 €
17 €23 €
![Page 81: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/81.jpg)
![Page 82: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/82.jpg)
NeueBanking ITPlattformen
nötig
![Page 83: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/83.jpg)
IT Intensity
![Page 84: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/84.jpg)
IT Kosten pro Nutzer pro Jahr in USD
200
Tier 1/2 Bank Google
3,4
3,8
eBay
7,4
![Page 85: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/85.jpg)
![Page 86: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/86.jpg)
Infrastruktur Hohe VielfaltIndustrialisiert
& Low Cost
Neue Paradigmen in der Banken IT
![Page 87: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/87.jpg)
Relationale Datenbanken
Skalierbar
{ }
{ }
{ }
![Page 88: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/88.jpg)
Apple
![Page 89: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/89.jpg)
Anwendung Applikations-zentriert
Infrastruktur Hohe VielfaltIndustrialisiert
& Low Cost
Apps & High Performance
Neue Paradigmen in der Banken IT
![Page 90: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/90.jpg)
![Page 91: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/91.jpg)
Elektronische Akte
Fachliche Standardisierung
Detailliertes Kennzahlensystemzur Erfolgsmessung
Vollautomatisierte Entscheidung
Automatische Zuordnung der Dokumente zu Geschäftsvorgängen
Industrialisierung: Denken und Arbeitenin Prozessen
![Page 92: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/92.jpg)
- 6 Sekunden
![Page 93: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/93.jpg)
![Page 94: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/94.jpg)
Prozesse Fix codiert Flexibel
Anwendung Applikations-zentriert
Apps & High Performance
Infrastruktur Hohe VielfaltIndustrialisiert
& Low Cost
Neue Paradigmen in der Banken IT
![Page 95: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/95.jpg)
![Page 96: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/96.jpg)
Prozesse Fix codiert Flexibel
Anwendung Applikations-zentriert
Apps & High Performance
Infrastruktur Hohe VielfaltIndustrialisiert
& Low Cost
Produkte Funktional Am Nutzerorientiert
Neue Paradigmen in der Banken IT
![Page 97: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/97.jpg)
Produkte Am Nutzerorientiert
Prozesse Flexibel
InfrastrukturIndustrialisiert& Low Cost
Anwendung Apps & HighPerformance
Neue Paradigmen in der Banken IT
![Page 98: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/98.jpg)
“Die Zukunft ist
immer schon da
- sie ist nur nicht
gleich verteilt.”
- William Gibson, Fiction Novelist
![Page 99: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/99.jpg)
![Page 100: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/100.jpg)
Ausblick
![Page 101: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/101.jpg)
# Web APIs
2000 2005 2013
>10.000
0
programmable web
![Page 102: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/102.jpg)
![Page 103: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/103.jpg)
Bank API
![Page 104: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/104.jpg)
Store
Platform
Open
SAP
Oracle
IBM
...
Modules/Apps
![Page 105: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/105.jpg)
Langfristige Auswirkungen
![Page 106: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/106.jpg)
überschätzt
unterschätzt
Gartner Hype Cycle
![Page 107: Banking Reloaded](https://reader035.fdocuments.net/reader035/viewer/2022081413/5467d758af7959d2118b5619/html5/thumbnails/107.jpg)
Erfolg = 1% Inspiration + 99% Transpiration