IDC Spain Predictions 2014

Bienvenida y novedades en IDC
Lluís Altés
Director General

@Lluis_Altes

Agenda
La propuesta de valor de IDC
El fin de las ventajas competitivas
No subestimarás a España … o la búsqueda de
mercados emergentes
Novedades a nivel local
IDC Expertise Award

© IDC Visit us at IDC.com and follow us on Twitter: @IDCSpain

#IDCpredictions

2

La propuesta de valor de IDC


#IDCpredictions

3

IDC’s Core Value Proposition
• Most experienced in the technology
market intelligence business
• Largest global network of expert
analysts
• Unique vertical industry focus and
research
• Rigorous research methodology
standards
• Unparalleled market and technology
segmentation
• Fact-based analyst insights and
actionable advice
• Strong customer focus

#IDCpredictions

4

Global Reach with Local Expertise
1,100 Research Analysts Located All Over The World
US/Canada

34%
EMEA

29%
Asia/Pacific

Latin America

8%

29%
#IDCpredictions

5

Largest Network of Country Research
Centers
Argentina
Brazil
Canada
Chile
Colombia
Mexico
Peru
United States
Venezuela

Austria
Belgium
Denmark
Finland
France
Germany
Greece
Ireland
Italy
Netherlands
Norway
Portugal
Spain
Sweden
United
Kingdom

Bulgaria
Croatia
Czech
Republic
Egypt
Hungary
Israel
Kazakhstan
Kenya
Morocco
Nigeria
Poland
Romania
Russia
Saudi Arabia
Serbia
Slovenia
South Africa
Turkey
UAE
Ukraine


Australia
China
Hong Kong
India
Indonesia
Japan
Korea
Malaysia
New Zealand
Philippines
Singapore
Taiwan
Thailand
Vietnam

#IDCpredictions

6

El fin de las ventajas
competitivas


#IDCpredictions

7

El fin de las ventajas competitivas…


#IDCpredictions

8

No subestimarás a España … o
sobre la búsqueda de mercados
emergentes


#IDCpredictions

9

#IDCpredictions


10

La 3ª Plataforma y los Mercados Emergentes
Smart Connected Devices
3000
2000
1000
0
Emerging
Online shoppers 2013
Developed

2012

2017

193M
170M


#IDCpredictions

11

Growth Contribution from Emerging
Markets Increases
Total IT Spending Growth (constant currency)

10%
9%

1995-2010

8%
7%
6%

2011-2020

2.3x

5%

3.1x

4%
3%
2%
1%
0%
1995-2010
Developed

2011-2020
Emerging


#IDCpredictions

12

Top 10* IT Markets in META
16.000

IT Spending 2013 ($M)

14.000

13.727

12.000

10.877

10.381

74% of
META

10.000
8.000

6.700

6.000
4.000

3.030

2.881
1.574

2.000

1.447

1.419

1.382

Morocco Algeria

Kuwait

Qatar

0
South
Africa

Turkey

Saudi
Arabia

UAE

Nigeria

Egypt

13
Source: IDC Blackbook Q1 2013. Top 10 excludes Iran & Israel.

Growth Dynamics by Major Region
94

6.8% CAGR
(2012-17)

90
2013

2017

80

72

IT Spend $B

70
60

7.6% CAGR
(2012-17)

50

48

40

36
7.3% CAGR
(2012-17)

30
20

11

14

6.5% CAGR
(2012-17)

4.6% CAGR
(2012-17)

18
14

12

14

10
0
MENA

Turkey

S. Africa

Sub-Saharan
Africa

MEA

$22B in Additional IT Spending by 2017
Source: IDC Blackbook Q1 2013.

14

¿Buscamos en el sitio adecuado?


#IDCpredictions

15

Novedades a nivel local


#IDCpredictions

16

Pan European Executive
Retail Summit 2014

Powered by

June, the 2nd & 3rd
Marbella (Málaga) Spain

CxO Programme y los nuevos clientes
Finance and Exec
Management

Operations

VP Strategy
CFO
VP Corporate Real Estate
VP Facilities

COO
VP Ops

R&D/Engineering
VP R&D/Engineering
VP Innovation
VP Product
Development
VP Emerging
technologies

Governance,
Risk, Compliance
CRO
Risk and Compliance
Officer/Manager
Corporate Auditor
Fraud manager
Chief Sustainability Officer

Manufacturing

Sales and
Marketing

Architecture
Application Services
• VP Application Systems
• VP Business Intelligence
• VP eBusiness

IT Executives

•
•
•
•

Enterprise Architect
IT Architect
Business Architect
IT Architect

CMO, VP Marketing
VP Product
Management
VP Customer Service
VP Call Center
VP Merchandising
VP eCommerce
VP Sales

Healthcare

CIO, CTO
Program Mgmt Office
VP IT Strategy & Planning

DECISION MAKERS
Communications
Services

Sourcing
VP Global IT Sourcing
IT Vendor Management
VP IT Procurement

• VP Telecomm
• VP IT Networks

VP Manufacturing
VP Supply Chain
VP Sourcing
VP Logistics
VP Transportation
VP Quality

Information
Security
• CISO
• VP IT Security

Government
County or Town
Manager, Mayor
Chief of Police

Infrastructure Services
•
•
•
•

VP IT Infrastructure Services
VP IT Operations
VP Data Center
VP Mobility

Banking

Retail
VP Store Operations
VP Sourcing
VP Merchandising

Chief Medical Officer
VP Accountable Care
VP Medicare/Medicaid
Programs

Energy

VP Mobile Banking
VP Payments Strategy
VP Retail Banking

Director Exploration
Director Electric Vehicle
VP Smart Grid

18

10 webcast de Predictions con IDG


#IDCpredictions

19

IDC Custom Solutions Featured Practices
Custom Analytics Practice

Business Value Practice

Make smarter, faster business decisions – and
measure your market performance to make
necessary adjustments.

Shorten the sales cycle with ROI metrics that
demonstrate the value of your IT solutions.

Buyer Behavior Practice
Increase market share through
insights and analysis on the
needs of your technology buyers.

Integrated Marketing Practice
Deepen engagement at every touch point
with IDC branded social, mobile, and multichannel assets.

Sales Enablement Practice
Increase sales effectiveness and
productivity for greater revenue
generation.

Partnering Practice
Maximize the returns of your
partner investments.

Thought Leadership Practice
Elevate your global brand awareness and
global media coverage.

Emerging Markets Practice
Expand and grow business in emerging markets.

#IDCpredictions

20

IDC Expertise Award


#IDCpredictions

21

IDC Expertise Award
El premio de IDC al mejor ponente, un
reconocimiento
a
todos
aquellos
profesionales que contribuyen con su
experiencia y aportación de conocimiento a
que nuestras conferencias sean las mejor
valoradas entre usuarios y proveedores del
sector tecnológico.
El diseño y la creación de IDC Expertise
Award es obra del escultor Jorge
Palacios, quien ha querido con esta obra
reflejar la capacidad de nuestros ponentes
para almacenar conocimiento así como su
capacidad para transmitirlo.
El año que viene organizaremos una
subasta benéfica con la escultura origen
de los premios. Estáis invitados a
participar.


#IDCpredictions

22

¿Juegas para ganar o para no perder?


#IDCpredictions

23

#IDCpredictions

Predicciones 2014
IDC España
12 de diciembre de 2013

Equipo de Predicciones IDC 2014 España
Alberto Bellé
Antonio Flores
Isabel Montero
Marta Muñoz
Fernando Maldonado

#IDCpredictions

Bienvenido a las predicciones
de IDC España para 2014.

Criterios:
• Áreas de crecimiento.
• Involucración de actores.
• Disrupción.


#IDCpredictions

Las 10 Predicciones 2014
# 1. El ligero crecimiento TI no compensa la caída de la voz
tradicional
# 2. El Smartphone se democratiza de la mano de fabricantes chinos
# 3. OTT: la competencia se intensifica
# 4. Internet entra en las cosas
# 5. La experiencia de cliente se sitúa en el epicentro
# 6. Big Data: La solución se acerca al problema
# 7. Cloud: Del ahorro a la transformación
# 8. Social Business se convertirá en una necesidad
# 9. Seguridad: Los ataques llegan desde la tercera plataforma
# 10. La transformación del departamento de sistemas

#IDCpredictions

#IDCpredictions

© IDC Visit us at IDC.com and follow us on Twitter: @IDC

28

#1 El ligero crecimiento TI no compensa
la caída de la voz tradicional
El mercado TIC caerá en 2014 un -0,7%
10.000

respecto a 2013.

Wireless Data

2017

2016

2015

2014

2013

2012

2011

2010

IT (M€)

de telecomunicaciones tradicionales
Hardware total

10.000

TI crecerá un 0,3%


2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

0

Packaged
software total

Services total
Telecomunicaciones tradicionales
decrecerán un -1,6%
2007

El segmento de software
Total
crece IT moderación. Total ICT
con Telecom total

2017

2016

5.000
2015

2014

2013

2012

2011

2010

2009

2008

2007

2009

En 2014 los ingresos TI superarán a los
15.000

En el mercado TI, la brecha entre
el segmento de hardware y
25.000
servicios crece.

2006

El mercado en 2014 será un 81%
de lo que fue en 2008
2008

35.000

15.000

Wireless Voice

5.000

0

Los servicios en 2014
crecerán mientras que el
hardware caerá.

Fixed Voice
Fixed Data

2007

Servicios de datos móviles
superan en 2014 a los servicios
de voz fija y datos fija.

Telecomunicaciones (M€)

2006

45.000

15.000

2006

Industria TIC (M€)
Los
55.000 ingresos en servicios tradicionales
de telecomunicaciones caerán
lastrados por la voz.

Fuente: IDC 2013

#IDCpredictions

#1 Contribución al crecimiento
Contribución: - 980M€

Contribución: +850M€

Wireless Voice
Fixed Voice

Operations management
Fixed Data
Planning
Applications
Support services
System Infrastructure Software
Midrange Servers

SP network
Appl. Development and Deployment
Implementation
Volume Servers
Enterprise Networks
Training and education

Smartphones
Personal Computers
Feature Phones
High-end Servers

Wireless Data
PC Monitors

Tablets
Disk Systems
Hardcopy Peripherals
Tape

Fuente: IDC 2013


#IDCpredictions

#1 Los mercados competitivos dicen otra
cosa…
•UCC
•Security
•Mobile services
•Network &Equipment
services
•Cloud & Data center
• Consumer content

Telco


IT

#IDCpredictions

#IDCpredictions


32

#2 Tendencias sobre las conexiones móviles
en España en 2014
Conexiones Móviles España
56.000.000

El número de líneas móviles bajó
(-5%) en el 2012 y lo hará un (-2%)
en 2013

55.000.000

En el 2014 el número de
conexiones móviles se estabilizará

54.000.000
53.000.000
52.000.000

1 de cada 4 dispositivos móviles se
venderá sin tarjeta SIM incluida

51.000.000
50.000.000
49.000.000
2010

2011

2012

2013

2014

Emerge un mercado de
Smartphones de segunda mano

Conexiones Móviles
Fuente: IDC, Diciembre 2013


#IDCpredictions

#2 Los proveedores asiáticos apuestan fuerte:
Smartphones de bajo coste para el consumidor
Top 5 Vendedores, 2013

Ventas de dispositivos móviles en
el tercer trimestre de 2013:
4.4(M) Mercado Total
3.4(M) Smartphones
1.0(M) Feature Phones
Total ventas: 1.240 millones de $
Sistemas Operativos, 2013:

Samsung
61%
LG
5%
Huawei
6%

Sony
14%

Nokia
15%

Top 5 Vendedores "Smartphones", 2013

Android (91%)
iOS (5%)
Windows Phone (2%)
BlackBerry (1%)

Samsung
65%

LG
6%
Apple
6%
Huawei
7%
Sony
16%


#IDCpredictions

#IDCpredictions


35

#3 Tendencias sobre los servicios OTT
en España
Conexiones de Móviles a Datos en el Network

35.000.000
30.000.000

Proveedores de servicios OTT han
intensificado la competencia en los
servicios de telecomunicaciones
Las operadoras de servicios móviles
verán OTT como una “oportunidad”

25.000.000
20.000.000

La mayoría de los proveedores de
servicios OTT carecen de
funcionalidad en su plataforma

15.000.000
10.000.000
5.000.000

Los servicios OTT crean una era de
comunicaciones fragmentada

2010

2011

2012

2013

2014

Conexiones de dispositivos móviles a datos en el network - mínimo una
conexión al mes.


#IDCpredictions

#3 El uso de mensajes SMS “push”
se aproxima a niveles marginales
Las operadoras de móviles
necesitan compensar la
disminución de ingresos
generados en los servicios de
voz y mensajes (SMS)

Total de SMS enviados

8.000.000.000
7.000.000.000
6.000.000.000

Las empresas (Banca)
mantienen el uso de SMS
más que el consumidor

5.000.000.000
4.000.000.000
3.000.000.000

Emerge el uso de “WhatsApp”
para ejecutar campañas push
de marketing

2.000.000.000
1.000.000.000
0
2010

2011

2012

2013

2014

El uso de mensajería SMS
llegará a un nivel marginal

Total de SMS mandados por año



#IDCpredictions

#IDCpredictions


38

#4 ¿Qué es Internet de las Cosas?
IDC’s definition
The Internet of Things is a network connecting
— either wired or wireless — devices, or
things, characterized by autonomous
provisioning, management, and monitoring.
The IoT is innately analytical and integrated.
Mobility-enabled, or wireless, IoT is included in
what IDC refers to as the 3rd Platform — the
next technology platform for growth and
innovation.
Components of IoT include
Devices managed by intelligent systems,
Connectivity (including service enablement),
Platforms (device, network, and application
enabled),
Analytics/social business
Applications and vertical industry use cases
Security and professional services designed to
ensure reliability, SLAs and quality of service
[QoS]

#IDCpredictions


#4 El futuro de IoT en Europa
Forecast Assumptions

WW IoT Revenue
($ Trillion)
10
09
08
07
06
05
04
03
02
01
-

09

Actualidad: 6bn personas y
750mn de edificios
conectados a redes

05

25% CAGR
2012

200 billones de cosas y
dispositivos conectados a redes
en 2020

2013

2014

2015

2016

2017

2018

2019

2020

Fuente: Worldwide Internet of Things (IoT) 2013–2020 Forecast: Billions of Things, Trillions of
Dollars. IDC # 243661

Europa Occidental representa 1820% de las predicciones
mundiales
Ingresos mundiales de IoT
pasarán de $4.8 (2012) a $8.9
trillones en 2020
CAGR 7% en los próximos 7
años.
M2M en Europa Occidental
supondrá aproximadamente un
25% del total de ingresos de IoT
en 2020


#IDCpredictions

#4 Ecosistema creciente y cambiante
IT, SIs & Vendors
SPs and Mobile
operators

Others

Public Sector


#IDCpredictions

#IDCpredictions


42

#5 La Experiencia del Cliente

#IDCpredictions


#5 Importancia de los Procesos
M2M

Movilidad

Coche evalúa
daños

Centros de
Contacto

Conectividad
Coche
notifica
daños
aseguradora

Big Data/
Analytics
Aseguradora abre
incidencia y contacta
cliente

Aseguradora acuerda con
cliente envío de técnico
para reparar daños

Seguridad

CRM

Centros de
datos

#IDCpredictions

#5 Cambios en la Experiencia de Cliente

Proactividad

Visión 360ºC

Personalización

Continuidad y
Tiempo Real


#IDCpredictions

#5 Mejora en la Experiencia de Cliente

Mejora la
Experiencia del
Cliente

Diferenciación
Valor Añadido

#IDCpredictions

#5 Capacidad de adaptación


#IDCpredictions

#IDCpredictions


48

#6 Big data: Oportunidades en el universo
digital


#IDCpredictions

#6 Todos los negocios serán de conocimiento


#IDCpredictions

#6: Big data: el reto está dentro
Optimizado
Gestionado
Repetible
Oportunista
Ad Hoc


#IDCpredictions

#IDCpredictions


52

#7: Cloud: el núcleo de la tercera plataforma

Transformación
en servicio

Negocios basados en
conocimiento

IT en todos los
dispositivos

De conectividad a
conexión

Cambio de paradigma

#IDCpredictions

#7: Aprendiendo a compartir
DC cliente

DC proveedor

Dedicado
Propiedad

+
+
+
-

Gestión

Compartido
Ubicación

Integración

+

Escalabilidad
Personalización
Rendimiento
Disponibilidad

#IDCpredictions

+

54

#7: Hacia un mundo híbrido

Oficinas

Puntos de venta

Enterprise
Datacenter
Trabajadores móviles
Teletrabajadores

Collocation/Hosting
Proveedores/
Partners

SaaS

Clientes

PaaS

IaaS

Fuente: IDC Maturity Model; Cloud – A Guide for Success , March 2013


#IDCpredictions

#IDCpredictions


56

#8 Las redes sociales no son solo
para vender
Redes sociales

Social Business
Comunicación interna
Customer engagement

Relación de valor entre empleados

Revenue creation

Mayor vinculación con la empresa

Building loyalty

Facilitador de la innovación

Thought leadership

Retención del talento

SEO

Aprovechamiento del conocimiento
Reducción de costes
Compartición de información mejorada
Trabajo en equipo y cultura cooperativa

Áreas de mayor potencial:
I+D
Operaciones y distribución
Marketing y ventas
Servicio al cliente
Soporte técnico

#IDCpredictions

#8 Retos del análisis de datos sociales


#IDCpredictions

#8 Dos aproximaciones analíticas

Gestión del
rendimiento

Cuadro de
mandos

Hacerse
preguntas en
función de los
datos

Descubrimiento
e innovación

Responder
preguntas
Métricas

Plataforma
de
exploración

Análisis ad hoc


#IDCpredictions

#IDCpredictions


60

#9 Está pasando…

DESTRUCCIÓN

…y pasará

CLOUD

JAVA

MALWARE

ATAQUES DIRIGIDOS

SEGURIDAD OFENSIVA

#IDCpredictions

#9 Nuevo caldo de cultivo para amenazas
estructuradas
Grandes repositorios
de información

Nuevos canales

Políticas de seguridad
estándares

Inconsistencia de
plataformas

Dificultad de control
de la interacción

Enmascaramiento de
ataques

Trazabilidad de la
información

Identificación de puntos
débiles


Políticas no definidas

#IDCpredictions

#9 Aproximación holística a la seguridad
Saber lo que se trata de
proteger, y de quién

Exigencias y
políticas de
seguridad
claras

Observar cómo las
soluciones encajan con
las necesidades

Evaluación
objetiva de
la seguridad

Adopción e
integración
eficaz

Planificar, diseñar,
implementar, operar,
optimizar, dar soporte

WE Security appliance units
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
1Q12 2Q12 3Q12 4Q12 1Q13
UTM


Firewall

CM

IDP

#IDCpredictions

VPN

#IDCpredictions


64

10# Transformación departamento de
sistemas
Misión
Modelo operativo
Relación
Staff

Soporte
Proyectos
Cautivos

Impulsor
Servicios
Fidelizados

Técnico

Negocio

KPIs

Operaciones

Organización

Silos

Arquitectura

Técnica


Valor

Colaborativa
Negocio

#IDCpredictions

#10 Orientación a servicios: Demanda

Demanda de servicio.

Facturación

Demanda

Entrega

Catálogo

La gestión de demanda
consiste no sólo en la
identificación de nuevos
servicios de forma proactiva,
cogeneración, sino su
exposición en un catálogo y la
gestión del ciclo de vida de
los mismos (ej. Cuándo
descatalogarlos)

Producción


#IDCpredictions

#10 Orientación a servicios: Catálogo

Catálogo de servicios.
Facturación

Demanda

Entrega

Catálogo

Producción


La orientación a servicios parte
de la de definición de un
catálogo de servicios en el
que se establecen
precios/coste de cada uno en
términos entendibles por el
usuario. Este presenta
“servicios finalistas”
(autoservicio) tanto comunes
(PC, cuenta de correo, cuenta
SAP,…), como específicos (a
medida de un negocio).

#IDCpredictions

#10 Orientación a servicios: Producción

Facturación

Demanda

Entrega

Catálogo

Producción


Producción de servicio.
Existen distintas áreas clave
en la producción de los
servicios: arquitectura,
gestión, servicios
específicos, servicios
comunes y recursos TIC.
Los últimos involucrados en la
entrega de servicios finalistas y,
por tanto, con foco en su
entrega.

#IDCpredictions

#10 Orientación a servicios: Entrega
Entrega de servicios.

Facturación

Demanda

Entrega

Catalogo

Foco en la entrega de servicios
para una mejor definición y
descomposición de los
mismos.
Búsqueda de homogeneidad
como medio para buscar
economías de escala.
Además, cada servicio
entregado tiene un acuerdo de
nivel de servicio asociado.

Producción


#IDCpredictions

#10 Orientación a servicios: Facturación
Facturación del servicio.

Facturación

Demanda

Entrega

Catálogo

En cada servicio se repercuten los
costes (gastos externos, personal
propio e inversión). Este reparto se
realiza conforme al uso que hace
cada servicio de los recursos
tecnológicos.
A cada departamento se le
transfiere el coste unitario por el
número de unidades que utiliza de
cada servicio.

Producción


#IDCpredictions

#10 De la operación a la transformación
Responsable
de la
Innovación

Cercanía al cliente y valor

Rol aspiracional: innovador

2014

Custodiar los
servicios TI

Arquitectura
IT

Broker de
servicios

Rol esencial: facilitador

 Rol tradicional: prestador e integrador de servicios TI

Operación
Mantener

Construir

Agente
cambio

Arquitectura
de negocio

Rol de valor añadido: impulsor

Comprar

Transformación
Gestión servicios


Arquitectura

Transformación de negocio

#IDCpredictions

#10 Rol aspiracional: innovación
El trabajo más importante del

Omnicanalidad

CIO durante los próximos años

Pagos móviles

será identificar formas de

Telemedicina

combinar los ingredientes de la

Detección del fraude

tercera plataforma…

Etc.

Financial Services: 2014 Top 10 Predictions
Embarking on the Decade of Value Creation
Alex Kwiatkowski
Head, Financial Insights Europe

2014 Predictions
Goal: Identify trends that impact
financial institutions’ business and
technology decisions.
Process: Drawn from Insights and IDC
studies, industry contacts, and our
own industry experience.
Time Frame: Predictions are focused
on 2014, but will have a long-range
impact.
Interdependence: All 10 Predictions
are interdependent and are not in
order of importance.

75

2014’s Battles on the 3rd Platform
Key IDC Themes for 2014
Escalation – “Put up or shut up" investments to
reach global scale.
Consolidation – Around a small number of big
"winners" in mobile platforms, cloud infrastructure,
and cloud solution platforms/marketplaces.

LOBs

SPs

Innovation – An explosion of innovation on the
new platform, with up to millions of new "killer"
apps and solutions. "Developers, developers,
developers, developers!" will be the strategic
mantra of 2014.
Value Migration – The 3rd Platform will cannibalize
2nd Platform markets. Value will also migrate within
the 3rd Platform: redefining competitive advantage
and disrupting leadership ranks, in the IT industry,
and every other industry.


76

Key Business Drivers
Regulatory Pressure

Customer Engagement

Increased Efficiencies


77

Financial Services 2014 Top 10
Predictions

Predictions #1 - #10
…in no particular order….


78

1. Overall IT Spend In Financial Services Exceeds $430 Billion in 2014
and Will Exceed Half Trillion Dollars by 2020; Consolidation and
Cooling Emerging Markets Making Impact
AP: 5 year CAGR IT Spend: Banking 6.84%; Insurance 5.6%; Capital Markets 6.2%
Core banking and insurance deals heating up
Global and super regional’s key to growth

Europe: 5 year CAGR IT Spend [1] : Banking 2.71%; Insurance 2.4%; Capital Markets
2.2%
Institutions focus will be to improve cost-to-income ratios
Newly sanctioned IT transformation projects beyond regulatory requirement increase
ROW: 5 year CAGR IT Spend [1] : Banking 8.49%; Insurance 7.8%; Capital Markets 5.7%
Decreasing interest rates forcing banks to be more cost-conscious
Mobile will continue to be hot bed for investment
NA: 5 year CAGR IT Spend: Banking 4.23%; Insurance 3.7%; Capital Markets 3.6%
Retail, risk and compliance, core processing and payments key investments
Bank failures continue to decline, little de novo growth seen
[1] Regions for Spending Guides (1) AP; (2)Europe; (3)Latin America, Middle East and Africa as ROW; (4)NA


79

2. Institutions Will Leverage Their Investments of the Past 3 Years
Improving Compliance Data Management With New Initiatives to
Extract Additional Business and Operational Value With Analytic-Based
Capabilities.
Similar trend, yet at a slower paced compared to Europe and US
Risk management initiatives and big data and analytics will continue to be active
projects in APAC

Data management investments remain high
Compliance initiatives around MiFID II, EMIR and Dodd-Frank and FATCA
Data collection, dissemination and reporting are key areas
Data management key investment for both efficiency and innovation
Near term regulatory requirements addressed
Smart technology around credit risk management and financial security
intelligence lead initiatives
Effective data management and analytical capabilities driving global organizations
based in NA
Legacy and distributed data still a concern as focus turns towards improving
middle and back office


80

3. All Modernization And Improvement Initiatives Must Include Three
Components To Be Successful (Technology, People, and Processes);
We've Focused Too Long on Technology in a Vacuum and in 2014 We'll
See The IT Organization Become More Important
Leading banks hiring executives outside of banking
Core refreshments continue to be most complex IT initiatives
Must have ability to modify, streamline and standardize processes

Most long-established institutions have requested IT to be customized to fit
existing processes – trend needs to be reversed
Overall cost of new technology may not have desired returns

Significant change now gives the end-user and business lines more power on
strategic IT decisions
Bucking the trends in NA and Europe, transformational projects will mostly focus
on IT projects
Aging legacy platforms and successful transformational projects makes NA prime
for additional modernization
Growing importance will be placed upon processes and people


81

4. The Most Successful Financial Institutions in 2014 Will Be Those
Who Can Deliver An Enhanced Omni-Channel Experience To Their
Customers And Prospects, Using New Enabling Technologies And
Supported By Appropriate Business Processes.
Focus will shift to improving service levels, increased data visibility, and valuecreation
Analytics and middleware to provide geography-agnostic financial products
Adapt old strengths into new channels for best of both worlds solutions
Increase the use of self service, particularly across online, mobile and social
Inclusion of PFM tools as part of the experience will increase
Video continues to be out of reach for most, but becoming more reliable

Focus continues to be on client acquisition and retention
Architectural platforms for newest channels were rushed to market, and will need
further updates and refreshes

Branch continues to be a key component of omni-channel experience
Technology owned by customer will become increasingly involved in process
both at the branch and outside of the branch
Biometric technology finally gets traction

82

5. Core Transformation Projects Will Create Opportunities For Banks To
Out-Innovate Their Peers, Giving Innovators Years Of Technology
Advantage Over Core Banking Laggards.
Increase in number of core banking projects – particularly channels, risk and
compliance, and integrated data management
Hot markets for core modernization include: Australia, Taiwan, Malaysia,
Singapore and Hong Kong
No major conversions, however the core transformation initiatives will commence
in earnest in 2014
Mid tiered institutions will look to the cloud as a delivery platform for core, while
large institutions favor premise based
In Latin America, core banking solutions are second only to fraud detection with
regards to future investment
Customized, internally developed solutions and packaged software could
become a viable alternative to large core solutions
Foreign owned institutions in the US will begin to leverage real-time core systems
to introduce new products
No significant US core replacements will be completed in 2014


83

6. Consumers Will Become the Disruptors In Financial Services by
Minimizing Their Interactions With Their Primary Institution And
Increasing The Use Of A Variety Of Purpose-Built Apps That Provide
Immediate And Focused Value.
Due to conservative regulation in most Asian countries, consumers are left with
mostly plain financial options
Asia’s emerging middle class creates new opportunities for innovation
Mobility remains biggest disruptor
Number of finance specific apps continue to proliferate creating challenges for
both institutions and customers alike
Transformation continues to be muted due to the challenges of achieving scale
and winning customer share
Transactions, both physical and digital, continue to grow
Mobile apps relegated to a specific piece of population and does not pose
significant risk
Mobile payments and potential impact of telcos still uncertain
Functionally specific financial apps from non-banks continue to erode financial
institutions ability to remain central
Will continue to see specific apps built that only do one thing, but do it well – this
will require an app strategy to be developed at many financial institutions


84

7. Lured by their Aggressive Growth in Premiums, Insurers Continue to
Pay Close Attention to the Emerging Market Nations in Developing Asia
and Latin America
China opens up compulsory third party liability motor insurance market to foreign
participation
ASEAN nations (Thailand, Indonesia, Malaysia and Philippines) represent
largest opportunities for growth
European maintains 33.3% of global insurance market
Expansion efforts overseas due to competitive home market
Pension fund reform measures will drive urgency for private life insurance
products
Massive investments in Latin America around commercial lines such as property,
credit and surety
Instruments like index-based weather insurance solutions emerge in Mexico

North America maintains 30.2% of global insurance market
Expansion efforts overseas due to competitive home market


85

8. The Battle for Dominance on the 3rd Platform Begins as Firms Move
From Ad-hoc, Repeatable, to Managed Initiatives and New Application
Mash-ups that target Value Creation in Customer Acquisition, Market
Intelligence, and Operations.
Banks begin to shift IT budgets toward innovation and next generation solutions
designed for 3rd platform
Human-centered design will become a discipline in application development
Cloud initiatives gain in acceptance
Increased demand of real-time analytics to the business lines
Increase use of private cloud for operational efficiencies / effectiveness and
internal collaboration purposes becomes a regional priority
Top challenges – skills, securing budget, developing performance metrics
Big data analytics moves from theory to practice, leading use cases emerge and
over deliver value
While 3rd platform technical acceptance grows, staff and business models
reengineering emerges as leading challenges
No slowing in cloud adoption. Sectors advance at different paces, in different
directions. SaaS continues to take share from the packaged software market.
Big data market growth moves up the stack – analytics and applications, VC
investments in BI/Analytic Tools. Information security enters a disruptive era,
Buyer demand heats up for secure mobility standards.

86

9. Investment In Risk Management Information Technologies, Services
and Skills Exceeds $71B in 2014, as Firms Industrialize Credit and
Market Risk Systems, Operational Risk Disciplines Get Renewed
Support, and Management Learns to Sell Risk
Generous budgets for risk initiatives. Hong Kong, Singapore, ASEAN region
Credit analytics, liquidity and asset liability management, information and cyber
security, enterprise risk dashboards and reporting.
Enterprise data management and skilled risk management staff key challenges
2014 stress tests to influence IT investment budgets, tighten compliance reporting,
liquidity modeling, insulating from counterparty and further systemic shocks.
Principles for risk data aggregation and reporting, derivative markets transparency
dominate vendor attention and infrastructure renewal
Risk initiatives take top seat in infrastructure modernization in 2014
Leading initiatives are retail and claims fraud, core analytics for consumer credit and
capital management, and operational risk.
Demands increase for management consulting, systems integration
Derivates market reform, risk data aggregation, LEI integration, and CCAR 2014
changes draw management and vendor attention
New wave of treasury service platforms will focus on liquidity risk, asset financing,
mobility and multi-bank solutions
Fraud analytics drives more vendor M&A and venture investments, specialized services

87

10. Mobile and "Alternative" Payment Adoption Will Remain Muted In
2014 As A Wide Array Of Providers Try To Find A Value Proposition
That Resonates For Both Merchants And Consumers.
While some areas build out NFC, focus remains on payment functionality and
security
Payment data analytics will focus on fraud, risk analytics, and cross-sell
opportunities
No significant shift in 2014, modest enthusiasm around mobile payments
Activity will be focused on services like interactions, loyalty, ticketing, couponing,
and targeted marketing

Latin America market continues to make small steps towards solidifying a mobile
payment strategy
Solutions targeted towards the unbanked and under-banked may focus on basic
applications like m-commerce, account transfer and bill payments
ISIS and MCX consortium solutions will stir more press interest than consumer
interest
NFC continues to be unsettled in the near term, particularly because of modest
early adoption and presence of different technologies


88

Essential Guidance
IT spend continues to grow, strongest in developing
regions
Need to look beyond GRC as a burden and focus on
ways to drive value
Reducing expenses and finding new revenue
streams to help drive down efficiency ratios
Third platform will allow legacy upgrades to occur
faster and cheaper
Key business drivers in 2014 (and beyond):
• More regulatory pressure
• Deeper customer engagement
• Desire to increase efficiency


89

Feliz Navidad
y
Próspero Año 2014


#IDCpredictions

90

#IDCpredictions

@IDCSpain


IDC Research España

#IDCpredictions

91

IDC Spain Predictions 2014

Recommended

Recommended

More Related Content

What's hot

What's hot (18)

Similar to IDC Spain Predictions 2014

Similar to IDC Spain Predictions 2014 (20)

IDC Spain Predictions 2014