Marcelle Dias
Marcelle Dias
Financial Services Technology 2020 and Beyond PwC
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Prepare your 4
architecture to
connect to anything,
The FinTech trends that we Payment Cloud
have discussed in this paper, Billing Payments gateway Analytics Social solution
from the cloud and peer-to-
peer transactions to customer
intelligence and cyber-security $
concerns, all rely on the rapid
transmission and assimilation of
data. Today’s systems do this too,
of course, but without the scale
or resilience that the future will
require. To stay cost-competitive,
and to have the flexibility that
innovation requires, financial
institutions will need to update Integration fabric
their infrastructure to make it
more agile and responsive. You
will need an architecture that can User experience
bend as requirements change and Process and rules integration
interact with data and systems Application and service integration
that could be anywhere – because Data integration
they will be. And at most financial Master data integration
institutions we know, this will Infrastructure integration
require a significant reorientation. Security and management
PwC inancial ervices echnolog 22 and ­e ond 37

Fintech Will Drive The New Business Model 8
Update Your It Operating Model To Get Ready For The ‘New Normal’ 29
The Sharing Economy Will Be Embedded In Every Part Of The Financial System 11
Slash Costs By Simplifying Legacy Systems, Taking Saas Beyond The Cloud, And Adopting Robotics/ai 32
Blockchain Will Shake Things Up 12
Build The Technology Capabilities To Get More Intelligent About Your Customers’ Needs 35
Digital Becomes Mainstream 15
Prepare Your Architecture To Connect To Anything, Anywhere 37
Executive Summary
You Can’t Pay Enough Attention To Cyber-security 40
Advances In Robotics And Ai Will Start A Wave Of ‘Re-shoring’ And Localisation 20
Cyber-security Will Be One Of The Top Risks Facing Financial Institutions 23
Asia Will Emerge As A Key Centre Of Technology-driven Innovation 25
Regulators Will Turn To Technology, Too 27
Six Priorities For 2020