IDC 2025北美零售数字银行解决方案报告

IDCMarketScape IDC MarketScape: North America Retail Digital Banking Marc DeCastro THIS IDC MARKETSCAPE EXCERPT FEATURES TEMENOS IDC MARKETSCAPE FIGURE Please see the Appendix for detailed methodology, market definition,and scoring IN THIS EXCERPT The content for this excerpt was taken directly from IDC MarketScape:North AmericaRetail Digital Banking Solutions Vendor Assessment, document number: #US52039425.All or parts of the following sections are included in this excerpt: IDC Opinion, IDC IDC OPINION This IDCFinancial Insights studypresents a2025–2026vendor assessment of retaildigital banking solution providers in North America using the IDC MarketScape model.Thisstudyquantitatively and qualitatively assesses multiple characteristics that help This IDC MarketScape covers vendors that provide self-service digital banking solutionsto the North American market. In this study, all of the vendors are in production withtheir solutions in North America, although some are relatively new to the market. Those The technology vendors provided an in-depth assessment of their current capabilitiesand strategies, and their reference clients were interviewed to assess the vendors'ability to meet the market financial institution's strategic needs and currentrequirements.Forthe purpose ofthis study, IDC defined digital banking customer Key findings from this research include: ▪Organizations can use this IDC MarketScape for vendor selection.NorthAmerican financial institutions can use this IDC MarketScape to help develop ashort list of vendors from which to solicit information about their productsor ▪Digital banking features continue tobecomemore commoditized as recent yearssaw a significant investment in digital-first strategies. When looking at overall features and functionality of online and mobile self-service solutions, there arevery few holes in vendor offerings. Any gap in offerings can be quickly filled ▪Differentiation for vendorsmight be on support, investment into innovation,flexibility on cloud delivery, and growth within the North American market.During the vendor selection process, IDC asked to see road maps and discuss ▪Consumers will begin to demandmorehyper-personalized experience that candeliver across any channel the same experience with anunderstanding of thecustomer'sfinancial journey. Doing this will require financial institutions to pushtheir digital banking solutions to their limits and leveragethe numerous IDC MARKETSCAPE VENDOR INCLUSION CRITERIA The vendor inclusion list for this study was selected to depict the vendors that are mostrepresentative of having an active base of North American banks and credit unions andwould likely be on most financial institutions'short listsfor digital banking solutions.Vendors were required to offer both an online and a mobile banking solution, whetherthey were on single or multiple platforms, and the vendor must sell directly to banks ADVICE FOR TECHNOLOGY BUYERS Each financial institution will come up with its own requirements when looking to eitherbuild, renew, or replace its digital banking solution. Before making the decisions, ▪Where does digital banking fit strategically within our organization? Are we moredefensive or aggressive with our self-service solutions? ▪Do our customers ask for technology before it is available, or do they wait on us ▪When doing due diligence on vendors,focus on the following: ▪Customer satisfaction:Fromreferences that are inproduction, find outwhat their experiencehas beenduring the entire buying journey. How much ▪Customer service delivery:How important are things like advisory groups toyou? How readily are other customers willing to talk to you about their ▪Customer service offering:When it comes to day-to-day support, what arethe options available,and what are the references saying aboutthelevel andquality of support? Can third parties be utilized to provide support in a truly ▪Delivery models:What are my implementation options and ability to usepartners and systems integrators? How important is flexibility regarding onpremisesversus cloud?What are theoptionsof various cloud serviceproviders?What is the use of a more configurable option forout-of-the-box ▪Financial considerations:How important is it to understand the long-termviability of a company or to understand its overall financial health?Does ▪Functionality:Where does the vendor align among its competitors orcustom-built solutionswhen it comes to emerging product functionality?Does it matter if the vendor owns the digital asset or if it partnerswith other ▪Growth:What is considered to be a healthy growth that does notimpact onthe ability to absorb new clients and can scale as needed? Isthevendor ▪Innovation:Isthevendor providing the appropriate level of automation andartificial intelligence to provide personalized experiences? Is flexibility ofembedding third-party fintech solutions into your digital experiences ▪Pricing models:What optio