东盟智能银行之路

Contents Executive SummaryBarriers to Intelligent BankingPath to Intelligent BankingThe Intelligent Banking ArchitectureIntelligent Banking Platform Executive Summary The ASEAN banking sector is undergoing a seismic shift, driven bydigital adoption, a mobile-first population, and artificial intelligence.Unlike the more homogenous markets of North Asia or the West,Southeast Asia's journey towards intelligent banking is not uniform;each nation is moving at its own pace guided by regulatory visionand localized economic imperatives. The region presents a paradox: With high mobile penetration and e-wallet adoption surges as high as 79%,super apps like Grab and Gojek, have normalized embedded finance. For the70% underbanked population, these platforms use AI and alternative data to However, legacy infrastructure blocks this potential. A significant 90-95% of banks rely on aging on-premises systems, preventing them frommeeting customer expectations and competing with agile fintechs. Core This whitepaper introduces a strategic partnership between Temenos, RedHat, and Systems offering a comprehensive approach to enabling intelligentbanking for Southeast Asian banks. Each partner brings specialized Barriers to Intelligent Banking While emerging technologies like AI and blockchain are crucial for banking innovation, their adoption is hindered by significant barriers.Many banks avoid third-party tech partnerships due to perceived constraints, leading to higher costs and slower progress on issuesrequiring expert solutions. RegulatoryComplexity and Data Fragmentationand Integration The InvestmentParadox Legacy Systems asa Barrier Outdated core banking systemsare a primary barrier to digitaltransformation, cited byover55% of banks. These legacyplatforms (e.g., COBOL) are costlyto maintain, incompatible withmodern technologies, and createdata silos. Withglobal spending Despite these hurdles, artificialintelligence investment continues.KPMG's Intelligent BankingBlueprint 2025 suggests that while80% of banking executives believeAI provides a competitive edge,only 26% have seen significant Southeast Asia's diverse regulatorylandscape creates compliancechallenges that slow innovationand increase costs. Regulationsaround data privacy, and digitallicensing vary widely by country. Siloed data systems andinconsistent data qualityprevent banks from leveragingAI for actionable insights,personalization, and frauddetection. According to BCG,underinvestment in data systems Across ASEAN, banks are navigating a paradox: the region has some of the world’s fastest-growing digital adoption rates, yet manyinstitutions remain constrained by legacy infrastructure, fragmented data, and diverse regulatory environments. Intelligent Banking in this Delivering on this vision requires the rightcombination of platforms, infrastructure, andexpertise. Temenos provides the composable coreand data foundation that allows banks to innovatewithout disrupting day-to-day operations. Red •Cloud-Native Resilience:Leveraging Red HatOpenShift to ensure Temenos banking platformsrun securely and resiliently, while tappinginto our partner ecosystem of leading cloud Modern banks can no longer afford to rely ontheir IT teams alone, making global systemintegrators a central contributor to making thisshift possible. Systems Limited has emerged as akey enabler in translating AI’s potential into real-world impact. With over 25 years of experience •Operational Reinvention:Embedding AI into loanorigination, compliance monitoring, and dispute This partner-led approach creates a clear pathwayto Intelligent Banking — one that is low-risk,incremental, and measurable. By aligning moderncore systems, a secure cloud foundation, and AI-driven insights, banks can achieve faster product •Breaking Data Silos:Building a 360-degreecustomer view through data modernization,which allows banks to move from reactive •AI for Responsible Growth:Deploying predictivemodels for credit scoring, deposit churnprediction, and fraud detection to help banks The Intelligent To translate the vision of Intelligent Banking into reality, banks need a modernized architecture that unifies core banking, data, cloud, andAI across a highly resilient and scalable platform. The following architecture illustrates how Temenos, Red Hat, and Systems Limited jointlyenable this transformation. •Temenosdelivers cloud-native, modular bankingcapabilities spanning core, analytics, and digital •Red Hatprovides a robust and openenvironment for deploying and managingmicroservices architectures, leveraging the •Systems Limitedbrings deep implementationexpertise, integration accelerators, and domain Together, this architecture provides a blueprintfor ASEAN banks to overcome legacy constraints, Intelligent Banking Platform AI-Powered Product Innovation The integratedTemenos ProductManager Copilot (powered by MicrosoftAzure OpenAI)provides a naturallanguage interface. This allows productmanagers an