1、IBM Institute for Business Value|Research InsightsEmbedded financeCreating the everywhere,everyday bank2IBMModern financial institutions demand modularity,security,openness,AI-driven capabilities,and collaboration on a hybrid cloud.At IBM,we empower you to elevate customer experiences,modernize core

2、 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 landscape.This in tur

3、n 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 is supported by 250

4、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 help1Embedded finance is essential

5、 for modern banking strategies.70%of banking executives say embedded finance is either core or complementary to their business strategy.Ecosystem-based business models are rising.Financial institutions are increasingly investing in the platform economy,with 20%of organizations already offering embed

6、ded finance solutions.Yet bank executives priorities dont align with consumer demands.Bankers underappreciate the value of mobile wallets,personalized rewards,and satisfying customer services.Monolithic architectures and processes hinder banking ambitions.Foundational gaps in modernization and API s