{
  "docId": "019dd923-5de0-76bd-a167-d97b47181c2f",
  "docSlug": "df6f7ffbb24bfbd2",
  "documentTitle": "Banking: The future is back",
  "authorId": "Accenture",
  "authorName": "Accenture",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 43,
  "pageCount": 48,
  "prevPage": 42,
  "nextPage": 44,
  "slideType": "industry_trends",
  "function": "summarize",
  "density": "overcrowded",
  "nDataPoints": 0,
  "notes": "The slide discusses the impact of GenAI on banking platforms, citing Klarna, Salesforce, and Adobe as examples of the shift toward composable architectures.",
  "elementsJson": [
    "paragraph"
  ],
  "metadataConfidence": 0.95,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a167-d97b47181c2f/43",
  "deckHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f#slide-43",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Generative AI is revolutionizing the SaaS and banking platform industry, driving providers to innovate and enhance their offerings.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-a674-768f-a06e-41afbd5250a4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.3,
        "x": 0.35,
        "y": 0.68
      },
      "kind": "paragraph",
      "text": "Banking ecosystem providers are grappling with two challenges. The first is how to incorporate AI into their offerings to help banks unlock the power of their trapped data. The second is how to modernize their often-monolithic architectures to serve a banking industry that demands more composable banking services.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0102e40d-57a4-4f16-b02b-9e2dc70761ca",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.25,
        "x": 0.05,
        "y": 0.37
      },
      "kind": "paragraph",
      "text": "Generative AI is revolutionizing the SaaS and banking platform industry, driving providers to innovate and enhance their offerings. Platform providers will increasingly embrace SaaS models that use composable architectures that will be easily mixed and matched under standardized architecture-as-a-service models.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "12b918e8-88f6-4673-b281-4f2a92352b94",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.3,
        "x": 0.35,
        "y": 0.15
      },
      "kind": "paragraph",
      "text": "Generative AI—in fact, AI in all its different guises—will have a transformative effect on virtually all business sectors. Banking platform providers are no exception. Recent and oft-repeated (but unconfirmed) reports about Klarna’s strategy 47 is a case in point. The e-commerce payments fintech is believed to have terminated a number of its software-as-a-service subscriptions as AI had enabled it to consolidate, standardize and simplify, and “create a more lightweight tech stack to operate more effectively with higher quality”.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "397ee790-2e4a-4f97-929a-9adb88b71e18",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.28,
        "x": 0.68,
        "y": 0.68
      },
      "kind": "paragraph",
      "text": "Core banking providers face a true innovator’s dilemma. Monolithic legacy architectures have all the services and functionality a bank needs, while modern SaaS providers can often provide only a limited set of functionality. Finding a way to decouple the monolith into composable services that can be consumed on demand is the challenge.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7127d4bc-049b-4c45-afaf-8ac0f3e275eb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.28,
        "x": 0.68,
        "y": 0.45
      },
      "kind": "paragraph",
      "text": "Salesforce is one example. Its Agentforce Agents are autonomous AI-powered applications that provide specialized, always-on support to employees or customers. Adobe is another; it has incorporated generative AI into its Creative Cloud through features like Firefly, which generates visual images and integrates with other Adobe products like Workfront to enable automation of the content supply chain.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b56dd933-1881-442f-98c0-e5e2e4553386",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.28,
        "x": 0.68,
        "y": 0.15
      },
      "kind": "paragraph",
      "text": "Providers are working furiously to incorporate AI into their platforms, enabling customers to leverage the technology without having to acquire special expertise and build their own systems from scratch. They are adding tools like automated content creation, chatbots for customer support, and predictive analytics to enhance their user experience and provide added value. They also offer training and support for their AI features to help customers understand and effectively use all their features. The challenge for banks is how to manage this explosion of AI solutions.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "cdabaa7f-6a53-4f4f-988e-114b8bd34cc8",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.3,
        "x": 0.35,
        "y": 0.45
      },
      "kind": "paragraph",
      "text": "To an increasing degree, modern SaaS providers are grappling with a similar problem to that of the legacy tech firms: their architectures were designed for a different time and problem. In sales support, for example, the majority of customer relationship management systems depend mainly on rows and columns of text and numbers. Yet most of the institutional knowledge that banks hold is locked up in documents, presentations and conversations.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d22b309d-8b5a-4493-8e65-a838d0cef499",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.2,
        "x": 0.05,
        "y": 0.3
      },
      "kind": "title",
      "text": "What's the trend?",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6fc5023e-03dc-4140-b81f-7013938f82a5",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Flywheel",
      "slug": "flywheel",
      "agent": null,
      "layer": "slide",
      "matchId": "566971a7-332e-403b-9a4f-8e2517e68a0a",
      "evidence": "Generative AI is revolutionizing the SaaS and banking platform industry",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 45,
      "from": 6,
      "beatId": "019dd95a-0680-7418-8209-303a18385e57",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Implications (So What)",
      "beatSlug": "triple-take-the-implications-so-what",
      "evidence": "Ten trend chapters with charts/data and 'so what' action titles",
      "position": 2,
      "confidence": 88,
      "parentBeatName": "Reflection",
      "parentBeatSlug": "reflection"
    },
    {
      "to": 45,
      "from": 38,
      "beatId": "019dd95a-0680-7418-8209-46547984dd73",
      "arcName": "Voyage and Return",
      "arcSlug": "voyage-return",
      "beatName": "The Return",
      "beatSlug": "voyage-return-the-return",
      "evidence": "Trends 9-10 modernize legacy code and platforms — back to fundamentals",
      "position": 4,
      "confidence": 62,
      "parentBeatName": "Resolution",
      "parentBeatSlug": "resolution"
    }
  ],
  "loops": [
    {
      "to": 45,
      "from": 42,
      "name": "Pre Mortem",
      "slug": "19-pre-mortem",
      "bestFor": "Project kick-offs, risk management, building trust with skeptical stakeholders",
      "matchId": "019dd95a-07fd-712f-b772-e95060625d4d",
      "evidence": "Divider invokes 'innovator's dilemma'; p.44 says next-gen platforms have 'long way to go'; p.45 forecasts who survives",
      "position": 11,
      "objective": "Warn platform providers about disruption risk",
      "structure": "The Future Disaster (Hypothetical) -> What Went Wrong -> The Prevention Plan",
      "confidence": 72,
      "description": "Build trust by anticipating failure modes before they happen and solving them in advance"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}