Cum băncile și marile întreprinderi pot reduce riscul expansiunii globale (Sergio Barbosa)

When the boards of banks meet to assess the operational risks of global expansion, it’s seldom that one would find software development as part of the agenda. However, many financial service providers are discovering that making the right choices means they
can upgrade their systems to deal with new regional regulations, while ensuring no disruption to their existing partners and customers. 

Aproximativ 50% dintre respondenții la un sondaj al Risk Management Association au spus că
cheltuiesc 6-10% din veniturile lor pe costurile de conformitate, în timp ce firmele mai mari au raportat că costul mediu de menținere a conformității este
în jur de $ 10,000 per employee. While these figures are for companies operating in the US, one can imagine that when banks expand into new territories their budget must skyrocket when it
comes to ensuring their systems meet all the new regional regulations and reporting requirements. 

Realizarea unor schimbări semnificative ale sistemului în cele mai bune circumstanțe poate necesita luni de planificare și adesea întreruperi considerabile. Pentru bănci și alte organizații de servicii financiare, aceasta pur și simplu nu este o opțiune. 

Unele regiuni sunt mai complexe decât altele, în special pentru băncile challenger

The face of banking has forever shifted with the introduction of transformative challenger or neobanks. These low-fee, direct financial service institutions which operate exclusively online, are challenging the status quo. Neobanks, while sometimes offering
limited services, often offer above average interest rates and are appealing to the younger and more digitally savvy demographics. 

În conformitate cu
cercetare, piața globală a băncilor neo și challenger, care a fost estimată la 18,604 de milioane de dolari în 2018 și urmează să înregistreze un CAGR de aproape 46.5% pentru a ajunge la aproximativ 395 de miliarde de dolari până în 2026.

While this makes the growth of transformative banking understandably attractive, the challenges of operating neobanks in regions with complex regulatory requirements, like the Middle East, can be prohibitive, even for traditional banks looking to deliver
new online offerings. Fortunately, initiatives like those from the Dubai International Financial Centre, which has set up sandboxes to test new products of financial and banking startups offering services in the region, is making it easier. 

However, even though this is helping, we’re seeing from work we’re doing with banks in the region, it would be far more challenging if not using a very iterative approach. 

Most recently, we also saw a South African company expanding into Australia and New Zealand encounter just how complex the system requirements of new territories can be – which required re-architecting their technology to be more appropriate for their new
multi-region future.  Of course each region has unique requirements that require work, but building resilience into the architecture meant they could not only safely trade in Australia, but as they grow their global footprint, with the Middle East lined up
next, the work required in future will be far less onerous. 

Arhitectura de microservicii și serviciile gestionate pot reduce în mod semnificativ expansiunea regională, cu timp de nefuncționare minim pentru organizațiile de servicii financiare, în special în regiunile de operare complexe.  

Arhitectura de microservicii oferă rezultate rapide 

Microservice architecture enables the rapid, reliable delivery of large, complex applications through a collection of small, autonomous services. By breaking down large software projects into smaller, more manageable parts, our teams are able to quickly
deploy new features and also quickly isolate and fix unforeseen issues. The smaller codebase and scopes enable faster deployments. And, since services are separate, you can more easily scale the most needed ones at the appropriate times, making work a lot
more efficient and flexible for an organisation’s operational requirements. 

In addition, using the DOMA (domain oriented microservices architecture) design pattern means teams can better manage changes for enterprises which often have thousands of microservices working together at the same time. This technology approach allows for
multiple teams to work autonomously against the bigger goal, without breaking the code base.  

Prin utilizarea unui serviciu complet gestionat, puteți elimina multe dintre problemele comune de livrare și riscurile asociate sistemelor de rafinare pentru a face față noilor cerințe de reglementare și exigente ale pieței.

This approach allows you to get systems up and running alongside daily operations. An iterative approach, using test-driven development, means resilient code can be created and deployed in a safe, low-risk environment. Which, for an organisation like a bank,
is mission critical, most especially as they take their first steps in a new region.