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Contents
Introduction
03 True digital transformation
The technology mega-trends in retail banking
04 The nexus of disruptive technologies
Increasing pressures on the retail banking industry
06 Customers, competitors, regulators step it up
Structural change – disintermediation of the retail banking value chain
08 From competition to collaboration
The retail banking model of the future
09 The competitive advantage over non-traditional entrants
The current reality
13 Complex and fragmented legacy IT architecture
The case for core transformation
14 Disadvantages of legacy-based IT architecture
Core banking transformations – why (not)?
16 Overcoming the invalid concerns of risk and disruption to business
Conclusion
18 The tipping point
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