Council Post: Finance Transformation With AI And Open Banking

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Let's discuss how we can progressively transform the finance, risk and regulatory compliance ecosystem of open banking by leveraging AI.

My company’s advisory team and subject matter experts work with senior executives and delivery management daily on digital transformation in these selected domains and recommend that the banks must be prepared to root out the deep and hidden causes that surface as various forms of risks. Some of the risks can manifest themselves as short-term profitability but can eventually lead to the bank's demise.

The flip side of seeing the risks clearer is that banks must forecast better, allocate the cost with deep insights, and transfer the fund with speed and precision. This is where AI and RPA on the cloud come in handy to complement and accelerate the outcome-based transformation strategies in domains of finance, risk and regulatory compliance.

To do it right, however, governance and guide rails must be enforced. Banks are experts in banking, after all, not technology. Oftentimes, collaborating with vendors as well as regulators in a particular business or technology domain can be the most sensible approach.Most banks have started digital transformation to build data lakes and migrate applications onto cloud platforms. Some banks have also attempted to transform finance and risk—for instance, by modernizing legacy systems.

As a part of a sustainable strategy, finance and risk groups must collaborate to create value for business partners as well as technology custodians and to fit into the bank’s overall priorities and vision.

One of the critical decisions is to select a cloud vendor. Oracle Cloud is one good choice, but Amazon Web Services , Azure, Google Cloud Platform or a combination of these and others can all be good choices as well. The key is to build up the virtual meta-bridge to enable federated architecture and progressive operational processes with the help of optimized caching for data, which in turn enables virtualization for consumers for timely business results.

 

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