Agility vs transparency: a false fight

Bank information systems are hobbled by an old trade-off

david-rowe
David Rowe

Many people looking at the fragmented and dysfunctional state of the banking industry's information systems are tempted to ask, "How could this possibly have happened?". In retrospect, the forces that brought it about are fairly clear. It was the consequence of competitive pressures, combined with an extended period of symbiotic interaction between innovations in both information technology and finance.

The late 1970s and early 1980s saw the introduction and growing adoption of personal

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