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For Enterprise Architecture Professionals

The Future Shape Of Banking Architecture In 2023

Industrialized Banking And The New CRM Will Support High-Touch

November 14, 2008

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Why Read This Report

Forrester's research on banking IT in 2023 identified a series of requirements and the architectural layers of the future banking platform. The key layers show: (1) a focus on personalized customer services and real-time information analysis; (2) a separation of product design and customization; and (3) a clear distinction between core competencies and nondifferentiation functions supported by selective sourcing. These layers will belong to one, two, or more financial services firms, and they will be connected via a federated semantic banking backbone. The outside world will use the services of these layers via the ubiquitous banking layer — also know as the evolution of the multichannel layer.

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Table of Contents

  • Banking's Future Needs Loosely Coupled And Dynamically Sourced Apps
  • Apps Will Turn Into Networks Of Information And Business Services
  • Key Differences Between Today And The Future

  • Manage The Present And Prepare For The Future

  • Industrialized Banking Needs More Than Technology

  • The Disruptive Event May Have Emerged
  • Supplemental Material
  • Related Research Documents

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