2025年创造者之声：核心银行系统现代化与全企业AI应用

Core banking modernizationand AI enterprise-wide How we can help IBM Modern financial institutions demand modularity,security, openness, AI-driven capabilities, andcollaboration on a hybrid cloud. At IBM, we empower youto elevate customer experiences, modernize core bankinginfrastructures, pioneer innovative payment solutions,and transform enterprise risk management. Learn more atibm.com/industries/banking-financial-markets BIAN Financial institutions use BIAN as a starting point to helpdefine and organize their IT software and services needsin a standard, rationalized way around the BIAN servicelandscape. This in turn increases an organization’s agilityto deliver the needs of its customers. BIAN provides anindustry model for creating an architectural frameworkthat makes integration of software and servicescapabilities easier and faster through a standard set ofdefinitions. The model is supported by 250 predefinedAPIs. Learn more atbian.org Introduction Over the past decade, banks have poured resources into cloud-native corebanking modernization to achieve digital excellence. Yet, research showsongoing issues. They include cost overruns, delays, and poor ROI, with fewerthan half of CIOs reporting substantial improvements in efficiency, customerexperiences, or innovation agility. These challenges highlight the urgency fora strategic shift amid rapid tech cycles and AI’s widespread adoption. Forward-thinking CIOs are leveraging generative AI to speed up softwaredevelopment, advancing from basic code generation to advanced frameworksthat analyze legacy systems, extract business rules, and automate processesend-to-end. This requires rethinking operating models with AI-integratedworkflows, embracing industry standards to resolve application disarray,and crafting hybrid cloud strategies for modularity, scalability, and real-time capabilities—while addressing risk aversion and silos. As AI surges forward, mastering this blend of AI acceleration, strategicalignment, and resilient governance will distinguish thriving institutions,unlocking asymmetrical competitive advantages, exponential growth,and future-fit platforms in an intensely competitive landscape. The IBM Institute of Business Value (IBM IBV) invited executives from10 financial institutions and service providers to discuss their strategicperspectives on how banks succeed in core banking modernization,and scaling AI enterprise-wide with advanced risk management: Bancolombia Bancolombia Bancolombia Bancolombia Akbank Alvaro ErnestoCarmona RuizChief TechnologyOfficer Camilo PiedrahitaMaciasSenior IT DirectorDeveloper Platforms Daniel Umberto AyalaMarinLeader ofIT Excellence Center Emanuel MedinaGomezLeader of ITEngineering Platform Gökhan GökçayExecutive VicePresident, Technology FirstRand Intesa Sanpaolo Nubank Getnet by Santander DNB Nicolai RyghChief Technology Officer,Retail Bank Caio BantiChief Risk OfficerBrazil Alexandre OliveiraVP of Risks,Collections, AML,Fraud, and Compliance Rita GnuttiExecutive Director,Internal Validationand Controls Gordon LittleExecutive paymentsand platforms Nubank TD Bank Group Nubank ZAFIN UOB Stuart SmithHead of Innovation,Group Retail TMRWVipul LalkaVice President,Executive ProductOwner, Digital Servicing,Canadian Personal Banking Juliana Barby SimãoGlobal Head of ModelRisk Management Felipe LamounierHead of AI ProductsStrategy Charbel SafadiChief ExecutiveOfficer Build competitive advantage by modernizing yourbanking core with AI Innovation in banking presents formidable challenges for established institutions,constrained by client responsibilities, regulatory demands, and the complexityof justifying long-term initiatives amid persistent technical debt. To buildasymmetrical competitive advantages, banks must transition from tacticalto strategic approaches, reimagining operating models where AI simplifiescomplexities, reorchestrates workflows, and embeds business logic intotechnological progress. Central to this strategy is AI’s integration in software development, evolvingfrom generating test cases and code snippets to creating scalable frameworksthat derive new code from business rules and mine legacy systems for codetranslation and validation. By extracting and structuring these rules, bankscan automate code generation and achieve end-to-end efficiency. Here are some of the insights from our panel of executives: “We believe that technology and leadership mustclosely align with strategic priorities such ascustomer satisfaction, operational excellence,and responsible growth—making tech an integralpart of business strategy, not a separate entity.” “Today’s CIOs must be strategic partners to thebusiness, forging strong relationships acrossunits and leveraging technology as a catalystfor sustainable growth.” Daniel Umberto Ayala MarinLeader of IT Excellence CenterBancolombia Gökhan Gökçay Executive Vice President, TechnologyAkbank “We operate on the belief that what worked yes