Why Bank CIOs Must Rethink IT Architecture - 10 Missing Links in the Banking IT Operating Model 💲
- Sunil Dutt Jha
- Jul 15
- 4 min read
Updated: Aug 23
10 Missing Links in the Banking IT Operating Model
[CIO Diagnostic Series – Banking Edition]
Why Banking IT Looks Structured — But Isn’t
From the outside, most banking IT estates appear mature.Core platforms are in place. Cloud is on the roadmap. Teams are agile.
Here’s what typically exists:
Core banking and treasury systems are mapped
Mobile, internet, and branch channels are digitized
Customer 360 and onboarding journeys are designed
API platforms are documented
Risk, compliance, and AML tooling is certified
Cloud migration is underway
DevOps and agile rituals are formally adopted
Yet despite all this, transformation fatigue is rising.
Programs stall midstream. New products take quarters instead of months. Regulator audits trigger unplanned rework. Customer experience remains fragmented. And automation, though visible, rarely scales.
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