Cedar on Banking Technology

Cedar Management Consulting International
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Cedar on Banking Technology, our new series, explores how banks leverage technology to modernize in a rapidly evolving digital landscape. This new podcast series looks at the technologies reshaping modern banking; from core modernization and digital platforms to data, AI, cybersecurity, and cloud transformation. Cedar experts and industry practitioners, showcase how technology has helped banks improve resilience, efficiency, customer experience, and regulatory compliance.

  1. Staying Operational: A BankTech Playbook for Uncertain Times

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    Staying Operational: A BankTech Playbook for Uncertain Times

    In the face of rising geopolitical risks, banking technology is experiencing unprecedented pressure. In this CedarView Podcast episode, we unlock how banks must adjust their technology strategies to maintain operations and mitigate new risks, including cyber threats & supply chain disruptions. We cover practical strategies for resilience, such as strengthening business continuity plans and securing payment infrastructure. The conversation also explores the growing importance of stress-testing systems for simultaneous disruptions and adapting fraud detection to new challenges. Banks that take action now to safeguard their operations will be in the best position to thrive in uncertain times. Tune in for insights on turning technology challenges into long-term strengths during times of disruption.

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  2. Payment hubs – transcending many borders

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    Payment hubs – transcending many borders

    Payment hubs represent a major shift in banking, transforming payments from a utility-driven cost center into an innovation-led profit engine. They enable a coordinated, standardized operating model across retail, corporate, treasury and cross-border payments, driven by globalization, rapid technology advances and rising regulatory demands. By consolidating fragmented systems into an integrated framework spanning front, mid and back offices, payment hubs improve straight-through processing, reduce errors and costs, strengthen risk, compliance and fraud controls, and enhance customer visibility. Modern payment hubs support four key principles: Integration across channels and systems, Immediacy through real-time payments and liquidity views, Innovation in services and pricing, and seamless Interface between customer channels, processing platforms and governance layers. Built on flexible, service-oriented architectures, they allow banks to innovate without disruptive “big-bang” replacements. As payments revenues grow rapidly—especially in emerging markets—payment hubs are becoming essential for differentiation, faster time-to-market and sustainable profitability.

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  3. Time to log into cyber insurance

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    Time to log into cyber insurance

    As personal and corporate lives increasingly move online, cyber risk has overtaken physical risk as a major threat. Cyber attacks can damage identities, operations and reputations at unprecedented speed and scale. While security patches address known vulnerabilities, attackers often stay ahead, making it impossible to eliminate all risks. As a result, cyber security insurance is emerging as a critical financial safeguard. Organizations face threats such as phishing, malware, DDoS, social engineering and data breaches, which can lead to productivity losses, remediation costs, regulatory fines, lawsuits, revenue loss and long-term reputational damage. High-profile banking incidents highlight the scale of exposure, driving rapid growth in cyber insurance, with the global market expected to exceed $20 billion by 2025. Selecting cyber insurance requires board-level collaboration among the CIO, CRO and CFO, careful assessment of coverage, and alignment with the organization's risk profile. Insurers also evaluate IT maturity, governance, controls and employee awareness before underwriting coverage.

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  4. Seven key trends in corporate payments technology

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    Seven key trends in corporate payments technology

    Corporate payments are rapidly evolving as modern technology platforms enable near–real-time processing, greater transparency, and stronger compliance. As payment services become a major revenue and retention driver, banks must invest heavily in corporate payment capabilities to stay relevant and counter fintech competition. While retail payments have advanced faster, corporate payments are catching up through improved integration, security and efficiency. Seven key trends are reshaping the space: adoption of payment hubs to replace siloed legacy systems; deep ERP integration to automate reconciliation and improve efficiency; supply chain financing to optimize working capital in global value chains; demand for local payment methods to support cross-border ecommerce; blockchain to enhance speed, transparency and risk management; open banking APIs enabling third-party innovation; and rising regulatory compliance needs around KYC and AML, increasingly addressed through data-driven solutions. As corporate payment needs become more complex, banks that deliver seamless, integrated and compliant payment experiences will gain a strong competitive edge, prompting significant industry-wide investment and new market entrants.

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  5. Success transfer the right time for cards

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    Success transfer the right time for cards

    The concept of “Success Transfer,” pioneered by Citi, goes beyond knowledge sharing to include full implementation of proven business models across geographies. Originating in Citi’s global credit card operations, it involves replicating successful products, platforms, brands, personnel or operating models from mature markets to growth markets, adapting them to local needs rather than reinventing them. Enabled by the internet and global connectivity, Success Transfer has become an aggressive growth strategy. In credit cards, this opportunity is especially large. Consolidation in the US card industry has created a deep pool of experienced talent, while global acceptance of credit and cards is accelerating rapidly, often outpacing US growth. By transferring US best practices—acquisition models, credit scoring and operations—financial institutions can quickly scale card businesses worldwide. Cultural shifts, outsourcing and rising consumer spending have further fueled this global adoption of credit.

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  6. Digital banking the road ahead

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    Digital banking the road ahead

    Banks are increasingly embracing digitization to improve efficiency, attract customers, enhance analytics and deliver personalized services. Smaller, agile banks often lead this shift, viewing digitization as a way to grow market share rather than just automate transactions. Digital banking goes beyond mobile or online channels—it represents a customer-centric philosophy that delivers consistent, data-driven experiences across all touchpoints, supported by analytics, automation and cultural change. Key drivers include rising mobile and internet usage, improved connectivity, availability of big data, and advanced analytics. Digital banking creates revenue opportunities through better customer insights, targeted cross-sell, relationship pricing and higher lifetime value, while reducing costs via automation, optimized channel mix and cloud technologies. However, banks face challenges such as organizational silos, talent shortages, legacy systems, margin pressure and regulatory constraints. FinTechs and emerging technologies—biometrics, wearables, digital wallets and AI—are reshaping the ecosystem. Ultimately, digitization is not optional; it is core to banking strategy, transforming banks from transaction-focused institutions into customer-centric, data-driven organizations.

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  7. Building business ownership in IT projects

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    Building business ownership in IT projects

    Global IT spending is massive and growing, making technology a critical source of competitive advantage. Yet around 60% of IT projects fail to meet objectives or timelines, often due to weak business ownership. Successful IT initiatives require strong alignment between business and technology. Ownership must start at the top, with senior business leaders co-owning projects alongside IT heads. Projects should begin with clear, business-driven requirements to ensure early buy-in. IT delivery is a joint responsibility, supported by dedicated cross-functional teams led by senior business managers. Clear milestones, regular sign-offs and executive oversight help maintain momentum and accountability. Equally important is structured change management, including consistent communication and a formal process for managing scope changes. Without strong business ownership, organizations risk opportunity losses, inefficiencies and customer dissatisfaction. True success lies in treating IT projects as business transformations, not just technology implementations.

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  8. Selecting a technology partner - key to a successful RFP process

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    Selecting a technology partner - key to a successful RFP process

    Banks select vendors based on required detail and time available, leading to four common approaches: traditional RFI–RFP, proof of concept, market leader selection and strategic partnerships. While traditional and PoC methods offer deeper evaluation, they take longer; market leader and partner models are faster but rely on confidence in the vendor. The RFP remains central, focusing on the bank’s objectives, requirements, timelines and evaluation process. Effective RFPs emphasize clear objectives, defined requirements, standard templates and disciplined communication. Common pitfalls include ambiguity, excessive documentation, informal vendor interactions, shortcuts and unrealistic timelines. A well-run RFP improves vendor comparison, cost transparency and outcome quality. Importantly, RFP investments have long-term value when documentation and evaluations are archived for future procurements. Managing RFPs well is both a science and an art, and may benefit from specialist support to maximize returns on effort and cost.

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Cedar on Banking Technology, our new series, explores how banks leverage technology to modernize in a rapidly evolving digital landscape. This new podcast series looks at the technologies reshaping modern banking; from core modernization and digital platforms to data, AI, cybersecurity, and cloud transformation. Cedar experts and industry practitioners, showcase how technology has helped banks improve resilience, efficiency, customer experience, and regulatory compliance.

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    Cedar Management Consulting International
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    Cedar on Banking Technology