94%的核心银行问题：现代化为何受挫——以及来自首席信息官的可行见解

What derails modernization—and actionable insights from CIOs Contents Part one3CEOs steer financial performancethrough tough terrain Part two7The CIO’s glass is half full Part three17Strategic modernization extendsbeyond technology placement Part four23Scaling AI enterprise-wide Action guide28 How IBM can help Modern financial institutions demand modularity,security, openness, AI-driven capabilities, andcollaboration on a hybrid cloud. At IBM, we empoweryou to elevate customer experiences, modernizecore banking infrastructures, pioneer innovativepayment solutions, and transform enterpriserisk management. Learn more atibm.com/industries/banking-financial-markets How BIAN can help Financial institutions use BIAN as a starting pointto help define and organize their IT software andservices needs in a standard, rationalized way aroundthe BIAN service landscape. This in turn increasesan organization’s agility to deliver the needs of itscustomers. BIAN provides an industry model forcreating an architectural framework that makesintegration of software and services capabilitieseasier and faster through a standard set ofdefinitions. The model is supported by 250pre-defined APIs. Learn more atbian.org Foreword Over the last decade, banks poured substantial resources into cloud-nativecore banking modernization, envisioning a future of seamless digitalexcellence. Yet, our research paints a sobering picture: Core modernizationsremain mired in pitfalls, from cost overruns and delays to underwhelmingreturns on investments. Strikingly, in our examination of desired businessbenefits—ranging from operational efficiency to enriched customerexperiences—less than half of banking CIOs reported meaningful gains. From these shortcomings, CIOs have distilled several hard-won lessons.The imperative is clear: AI must be harnessed to speed up development—combined with industry standards to sort out application chaos—and CIOsmust be more deliberate in defining hybrid cloud strategies. They alsorecognize the power of reimagined operating models with greater businessand technology alignment. Equally important is robust risk management. Without trust and resilienceembedded in every step of transformation, AI-driven modernization effortsrisk compounding fragility rather than enabling progress. Risk governancethus becomes the bedrock on which these other enablers—AI, standards,hybrid cloud, and modular models—can deliver sustainable impact. As competition intensifies within financial services and AI innovation surgesforward, successful core banking modernization stands as a decisivewatershed between stagnation and growth. Institutions that master thiscombination of lessons and enablers will liberate unparalleled efficiencyand foster exponential growth in an AI-driven era. Shanker Ramamurthy Global Managing Partner, Banking and Financial MarketsIBM Consulting Keytakeaways CIOs unearth gold by turning setbacksinto insights. Already 17% of banks areplanning 2026 agentic AIlaunches, 42% are pilotingnow—and 55% are targetingsmarter data handling andanalysis of documentation. 94% of banking overhauls extend beyond their plannedtimelines, resulting in delays that negatively impact ROI.Yet CIOs learned invaluable lessons, including the roleof AI in spurring development, how industry standardscan untangle application chaos, and the importance ofcreating deliberate hybrid cloud strategies. AI can turbocharge bankingtransformation, but risk managementdemands attention. With 51% of banks already harnessing AI to acceleratedevelopment—surging to 92% by 2028—CIOs areexpediting modernization efforts. But only 33% of CIOsare on the lookout for vulnerabilities in risk control andvalidation support for scaling AI enterprise-wide. Asinvestments surge into AI platforms, neglecting trustconfigurations threatens to undermine success. Is core banking customization a real edge,or just recycled code? 69% of CIOs chase ultra-custom core systemsfor critical domains, betting on bespoke in-housebuilds or tweaked vendor solutions. Yet a differentapproach—rethinking business processes for digitalsimplicity—might unlock efficiency, withouta heavy customization lift. Agentic AI is the next big bet. Already 17% of banks are planning 2026 launches,42% are piloting now—and 55% are targeting smarterdata handling and analysis of documentation. Part one CEOs steer financial performancethrough tough terrain Over the past 15 years, the banking sector has demonstrated broadconvergence in financial performance. The dynamics of Return onAverage Equity (ROAE) and Cost-to-Income Ratio (CIR) have beenconstrained by macroeconomic forces, especially for banks in majoradvanced and EU economies. These forces were shaped by declininginterest rates and the demanding regulatory frameworks that emergedin the aftermath of the Global Financial Crisis (GFC). Furthermore, digital competition has intensified in a sector dominated by decliningmargins per clients and tran