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Debating The Top Technology Trends Of 2008.
The new year brings many things: resolutions, a chance to rethinkproactively where banking is headed, and, of course, a set of predictions on the top technology trends of 2008.
Celent issued a recent report with its annual forecast for the coming year. The research and consulting firm is predicting that IT spending growth will see a slowdown, rising a modest 3.8 percentdown from the 4.1 percent growth in 2007. The credit crunch and economic uncertainty have institutions pulling in their belts (perhaps the worst time to abandon strategic technology investments). The top trends put forth by Celent are:
* Customer centricity as a red thread. Customer acquisition and diversification and organic growth have yielded disappointing results, so banks must focus on customer-profitability analytics, relationship pricing and dynamic pricing. Celent suggests a restructuring of data warehouses and greater adoption of content and business-process-management technologies to automate the decision-making process.
* SOA becomes a way, not a what. This movement will enable banks to build SOA-based middle layers to reduce application redundancy, assure data integrity, and lower overall maintenance costs. Key words: open systems and modernization of core systems.
* Core renewal comes of age. In plain terms: Service-enable the core to reduce the cost of maintenance.
* Internet Banking 2.0 takes the stage. At last, financial institutions will be joining the ...
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