通过可组合银行业务推动金融创新借助凯捷、IBM和Temenos，释放三者的力量2024

Empowering Financial Innovation with Composable Banking

Introduction

Capgemini, IBM, and Temenos are collaborating to empower banks to embrace instant payments in a hybrid cloud environment. This partnership aims to address challenges in security, governance, and compliance while leveraging the power of artificial intelligence (AI) and cloud computing.

Key Drivers for Transformation

• Regulatory, Security Concerns: Ensuring compliance, security, and risk management.
• Business Objectives: Improving end-user experience, scalability, time to market, and reducing technical debt.
• Technical Challenges: Addressing complex dependencies, duplicated IT strategies, and the need for agile infrastructure.

Solution Overview

The solution leverages Temenos products integrated on a single cloud platform, using a composable banking approach:

1. Transact & TTI: Manages back-office operations for TAP with seamless integration capabilities.
2. TAP/AAA: Enhances wealth management with advanced reporting and channel capabilities.
3. TDH (Transact Data Hub): Integrates with Transact and TAP to generate comprehensive reports using analytics-driven databases.

Key Features

• Containerization & Microservices Architecture: All Temenos products are implemented with these technologies, enhancing efficiency and flexibility.
• First R24 Implementation: For all products, ensuring state-of-the-art capabilities.
• Unique Solution: Combines re-platforming, re-implementation, and re-architecting to micro-services and composable banking.

Architecture

The solution includes:

• IBM Cloud: Hosted environment for regulatory compliance.
• Microservices: For specific functionalities, enhancing performance and resilience.
• Security Measures: IBM Cloud Secrets Manager, Hyper Protect Crypto Services, and more.
• Integration Diagram: High-level application integration, showcasing the integration of various components.

Benefits

• Market-Leading Capabilities: Pre-packaged, end-to-end banking experiences.
• Enterprise-Grade Platform: Optimized for resiliency, performance, security, and compliance.
• Risk and Compliance Management: Comprehensive controls addressing bank security, regulatory compliance, and cloud best practices.
• Value Realization: Full exploitation of generative AI and hybrid cloud at scale.
• Flexibility: High levels of performance and resiliency with hybrid cloud options.
• Expertise: Over 25 years of experience in implementing Temenos software.

The Power of Three

• Governance, Domain, Platform, Skills, and Scale: Tailored solutions for global banking leaders.
• Expert Partnerships: Dedicated CoE for Temenos, certified SMEs, and IBM FS Cloud Council.
• Validation: Over 550 control requirements validated for implementation patterns.

Conclusion

Capgemini and IBM are focusing on helping clients adopt generative AI and hybrid cloud while navigating challenges related to cost, scale, and trust. This collaboration aims to deliver significant business value and drive innovation in the financial services industry.