1、IBM Institute for Business Value|Expert InsightsIBM Institute for Business Value Embedded finance The voice of the makers 2IBMModern financial institutions demand modularity,security,openness,AI-driven capabilities,and collaboration on a hybrid cloud.At IBM,we empower you to elevate customer experie

2、nces,modernize core banking infrastructures,pioneer innovative payment solutions,and transform enterprise risk management.Learn more at institutions use BIAN as a starting point to help define and organize their IT software and services needs in a standard,rationalized way around the BIAN service la

3、ndscape.This in turn increases the agility of the organization to deliver the needs of its business.BIAN provides an industry model for creating an architectural framework that makes integration of software and services capabilities easier and faster through a standard set of definitions.The model i

4、s supported by 250 pre-defined APIs.Learn more at bian.org.Red HatBanks need modern platforms and approaches to compete in our ever-changing world.Red Hat helps to simplify operations,accelerate delivery,and unlock new revenue streams across any cloud environment.Learn more at we can help1Although b

5、anking is one of the oldest industries in the world,a new generation of financial thinkers and makers is reimagining the conventional bank.Empowered by technology and a youthful hunger for change,theyre determined to make banking easier,more accessible,and more impactful for individuals and business

6、es across the financial spectrum.Their modus operandi is embedded finance,a nascent yet growing banking approach with transformational potential that is sowing seeds of significant opportunity not only for banks,but also for their wholesale and retail clients.Their vision couldnt come at a better ti