{"id":24960,"date":"2022-02-07T14:25:54","date_gmt":"2022-02-07T14:25:54","guid":{"rendered":"https:\/\/expleo.com\/global\/en\/?post_type=insights&p=24960"},"modified":"2023-06-09T12:00:15","modified_gmt":"2023-06-09T12:00:15","slug":"digital-resilience-trends-and-challenges","status":"publish","type":"insights","link":"https:\/\/expleo.com\/global\/en\/insights\/blog\/digital-resilience-trends-and-challenges\/","title":{"rendered":"Trends and challenges of digital operational resilience for banks"},"content":{"rendered":"\t\t
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Since the onset of the pandemic, the \u2018resilience imperative\u2019 has been emphasised for the global business community, spurred by sustained periods of forced closure and COVID-induced operational wind-downs. The level of adjustment for enterprises will have varied greatly, and likely included migrating from physical-based architecture to cloud-based; bolstering online payments infrastructure and e-commerce capabilities; or revamping IT systems to enable seamless remote working arrangements.<\/p>

None of these activities should be hastily executed, and must be viewed through the prism of Digital Operational Resilience (DOR). With growing appreciation at board level for the far-reaching benefits of enhanced resilience, w<\/span>e could well see the addition of a Chief Resilience Officer role to the traditional C-suite roster over the next 12 months. In this new regime, expect to see legacy processes being redefined by exciting deployments of A.I, M.L and Fintech solutions, setting enterprises on the optimised path to success in an increasingly regulatory-sensitive environment.<\/span><\/p>

As illustrated by the research findings in Expleo\u2019s Digital Resilience: The New Heart of Operational Risk<\/a> report, an unprecedented phase of operational recalibration is underway. Let\u2019s now explore some of the specific technology trends that are powering this wave of innovation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Expedited digital transformation timelines <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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At a high level, perhaps the most pronounced trend we\u2019ve collectively seen is the dramatic acceleration of digital transformation initiatives across the industry spectrum. Adopting a \u2018digital-first\u2019 corporate mindset is now very much in vogue, and can manifest itself in many forms – from an overhaul of workplace practices, to increased automation and cross-party intelligence sharing. In a rapidly evolving landscape, organisations are feeling the need to become increasingly agile and adaptable, while ensuring any fast-paced innovation is managed with tact and falls within regulatory checkpoints.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Embedded finance <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAnother noteworthy trend gaining momentum is that of embedded finance, involving the retro-fitting or \u2018embedding\u2019 of financial services within existing operational frameworks, opening the door for non-finance companies to greatly expand their service portfolios. This trend is a perfect microcosm of the \u2018value-add\u2019 era, in which platforms are harnessing a decentralised network of service capabilities to improve the customer journey. Embedded payments is a great example of this trend in action, and if you\u2019re reading this, you\u2019ve undoubtedly interacted with this type of mechanism. Think of scenarios in which the payment method is retained \u2018in-app\u2019, without the need to exit or access external portals. So, instead of redirecting customers, you keep them in your catchment area and carry out the sale \u2018in-house\u2019.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Data-driven collaborations <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Depending solely on siloed business data for the purposes of improving customer profiling capabilities is an antiquated strategy. With innovations in <\/span>Privacy-Enhancing Technology (PET) such as Zero-Knowledge Proof (ZKP) cryptography, partner organisations, or even competitors can engage in data-driven collaborations to uncover new actionable insights on customers. This is happening more and more, and can be conducted in a regulatory-compliance setting. For instance, <\/span>competing retailers can use ZKPs to <\/span>identify overlapping customers, and use this intel to conduct hyper-targeted customer outreach, without incurring any regulatory reprimands.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Growing prevalence of cyberattacks <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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At a time of heightened vigilance around data security, the growing prevalence of cyberattacks is a pressing concern for businesses across a range of industry verticals. Our report shows that 100% of firms <\/span>with<\/span><\/i> technologist board members have an enhanced focus on Digital Operational Resilience – perhaps recognising this higher level of risk regarding cyberattacks. However, the risk isn\u2019t shared equally, as banks are actually three times more likely to be involved in a cyberattack than any other industry, and the incidence of cyberattacks has grown dramatically over the past two years. For all businesses, not just banks, developing a proactive defence strategy is essential, covering audits, addressing vulnerabilities, and rapidly re-testing to ensure new configurations are properly supported. The human capital required to carry out audits and system reviews of this nature can be substantial, a challenge that Machine Learning and A.I deployments can play a key role in resolving.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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DORA implementation ambiguity <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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When it comes to regulatory preparedness, perhaps the most difficult hurdle is framework uncertainty – in which fundamental compliance requirements remain undisclosed. In fact, <\/span>Expleo\u2019s<\/span> report indicated that only 20% of firms <\/span>recognised<\/span> the Digital Operational Resilience Act (DORA), while only one company is looking to take direct action as a result. Once unveiled, the UK has committed to implement the legislation, but as it\u2019s still going through the legislative process in Europe, the <\/span>final outcome<\/span> is still unknown. It is not implausible that there could be certain nuances <\/span>around what UK based <\/span>organisations<\/span> need to do to achieve compliance. As if that wasn\u2019t confusing enough, the Brexit backdrop further muddies the waters. While DORA is a European initiative, it was <\/span>actually drafted<\/span> originally by the FCA and the PRA. In its current iteration as a European initiative, there\u2019s still widespread debate about what implications there are for <\/span>organisations<\/span> in the UK compared to their European counterparts.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\r\n \r\n Download the full report <\/a>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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As illustrated by the research findings in Expleo\u2019s Digital Resilience: The New Heart of Operational Risk report, an unprecedented phase of operational recalibration is underway. <\/p>\n","protected":false},"author":9,"featured_media":18833,"parent":0,"template":"","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_angie_page":false,"footnotes":""},"topic":[154,212,145],"insights-single-templates":[316],"industry-taxonomy":[38],"content-type":[23],"country":[141],"service":[216,54,208],"class_list":["post-24960","insights","type-insights","status-publish","has-post-thumbnail","hentry","topic-compliance-and-regulation","topic-data-science-and-cybersecurity","topic-digital-transformation","insights-single-templates-old-template","industry-taxonomy-banking-and-financial-services","content-type-blog","country-global","service-digital-transformation","service-software-quality-assurance","service-quality-testing"],"yoast_head":"\nExpleo | Digital operational resilience trends for banks<\/title>\n<meta name=\"description\" content=\"As illustrated in Expleo's report: The New Heart of Operational Risk, a phase of operational recalibration is underway.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/expleo.com\/global\/en\/insights\/blog\/digital-resilience-trends-and-challenges\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trends and challenges of digital operational resilience for banks\" \/>\n<meta property=\"og:description\" content=\"As illustrated in Expleo's report: The New Heart of Operational Risk, a phase of operational recalibration is underway.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/expleo.com\/global\/en\/insights\/blog\/digital-resilience-trends-and-challenges\/\" \/>\n<meta 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