Ekosistemsko bančništvo: vloga platform v korporativnem bančništvu (Arianne Rosmolen)

Potrebe vaših strank v poslovnem bančništvu se spreminjajo. Povpraševanje po digitalnih rešitvah, avtomatizaciji in bogatih podatkih se je v zadnjem desetletju stalno povečevalo. Mi smo
seen some improvements to corporate banking services, but nothing to write home about. Ekosistemsko bančništvo je eden od načinov, kako lahko banke napredujejo. 

Kaj je ekosistemsko bančništvo? 

Ecosystem banking is a relationship model for banks that brings additional products and experiences to banking. Through partnerships with third-party banking and non-banking technology providers, banks can leverage existing, best-in-class services rather
than building products and services from scratch. The aim is to deliver new products and services that make the lives of your corporate clients easier without writing the codebase from scratch. 

Korporacijski bančni ekosistem v akciji 

“The partnership approach has a strong ethos at Barclays. We’re very active in this space,” said David Shinkins, Global Head of Cash Management Sales at Barclays Corporate Bank, in a recent interview with Burnmark as featured in our corporate banking report.
“This allows us to deliver innovative solutions that may not be core to us.”   

Primer ekosistema v akciji je partnerstvo Barclaysa s TransferMate. To strankam Barclays v visokošolskem izobraževanju omogoča lažje pobiranje pristojbin od tujih študentov. To olajša življenje za:   

• Končne stranke – ki imajo enostaven način lokalnega plačila univerzitetnih šolnin   
• Univerze – ki lahko enostavno spremljajo in usklajujejo svoje prejemke   
• Barclays – ki izkorišča že pripravljeno rešitev TransferMate, namesto da bi jo zgradil sam.  

Kje začeti z ekosistemskim bančništvom 

Ko določite, kje in kako želite tekmovati, poiščite najboljše tehnološke partnerje v svojem razredu, ki že zagotavljajo tisto, kar želite zgraditi. Cilj vašega ekosistema bi moral biti zagotavljanje novih ponudb, ki izpolnjujejo nenaslovljene potrebe vaših strank.  

Ecosystems are driven by open APIs, which act as an interface between applications, enabling them to communicate with one another. While it is possible to integrate modern tech with a legacy core banking platform, this is an expensive, time-consuming approach.
You may need to look beyond your existing tech stack to make the most of this opportunity.  

At the moment, legacy tech makes it challenging for banks to give their clients a clear, accurate, and timely picture of their overall banking relationship. This challenge needs addressing before more technology (and additional data points) are integrated.
If banks struggle to create a view of what’s happening across their products and services, what hope do they have of including third-party technologies?  

Cloud-native core banking platforms enable ecosystem banking through ready-made integrations and open APIs, enabling the seamless incorporation of current and future technologies. At the same time, a core platform moves banks from batch processes to real-time
analytics. Intraday reporting means better optimization of funds, more accurate insights, and faster decision-making. 

Osnovna bančna platforma v oblaku bankam omogoča hitrejšo in lažjo integracijo s številnimi tehnologijami – od tretjih ponudnikov Fintech do partnerjev prehodov.  

Uporabite integracijo s platformo za izdajanje kartic Paymentology. Vodilna tehnologija na trgu, s katero se integriramo, tako da se uporabnikom na naši platformi zdi funkcionalnost izvirna.   

Enako velja za plačila. Obdelano na trgu prek plačilne platforme, kot je Form3, ki se poveže z lokalno plačilno shemo.   

With our payment rail, scheme-specific requirements are abstracted from the core via an adapter that integrates with our APIs. The scheme-specific logic sits at the adapter level. The core isn’t customized each time a new payment scheme is added. Banks can
plug in as many adapters as needed, serving multiple markets without adding complexity to the core each time.  

Fokus za nas je jedro. Izvorno je v oblaku. Je v realnem času. Omogočen je z odprtim API-jem. Z integracijo s podjetji, ki so že zgradila neverjetne finančne rešitve, lahko banke uporabijo najboljše orodje za svoje potrebe na vseh ravneh. 

Banke lahko uporabijo isto logiko pri svojih prizadevanjih za digitalno preobrazbo – zakaj bi zgradili nekaj v podjetju, ko že obstajajo vodilne rešitve?