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Digital transformation is ubiquitous and even more so in the advent of the coronavirus pandemic, which forced a virtual environment upon us. The obvious necessity of digital infrastructure to conduct business, coupled with the growing demands by consumers for quick and convenient solutions have placed a greater emphasis than ever on embracing developing digital capabilities. Four key areas which are fast accelerating digitization are Data, Technology, Cloud, and Automation. Banks are realizing the power of data in creating a client-centric experience and leveraging data to quickly accomplish basic steps in the lending cycle, such as the often tedious KYC process. With the growing competition from agile fintechs, traditional banks are adopting new technologies to provide better services to customers. This will be essential to attract new customers and stay competitive. At the helm of these advancements is a focus toward digitizing existing processes to meet the increasing demand for digital experiences.
A survey reveals that cloud technology is becoming more popular, especially as physical branches close and more customers are turning to entirely digital processes. According to a 2020 IDG Cloud Computing study, over 55% of fintechs and financial institutions are using multiple clouds to store their data and an average of 32% of companies’ IT budgets are dedicated to cloud transformation. By using the full extent of cloud capabilities, banks open themselves up to an entirely new way of functioning. In a survey done by Moody’s Analytics, 56% of bankers surveyed responded that the manual collection of data and subsequent back and forth with the client is the biggest challenge when initiating the loan process, consuming valuable time and resources for repetitive and mundane activity. Automation, coupled with other digital technologies, such as APIs, can create fully digital, client-facing data collection
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