Open and fast Data - Survey 2019

Background

Regaining Control in an era of Fast & Open Data

Banking culture is traditionally anchored around trust and (operational + financial) control - for all the right reasons. Regulatory pressure and technology transformation are challenging the old ways. How can this closed and necessarily 'slow' environment deal with the dual challenges of high-volume, high-velocity data and the radical transparency mandated across banking and capital markets regulations, including Open Banking, PSD2, MiFID and SFTR ?

The research will focus on insights that document the nature and impact of these two converging trends, and banks' organisational and technological response. Responses are confidential and results will only be shared in aggregate form.

1. Urgency drivers - which statement best reflects your organisation's readiness for each of the following regulatory drivers ?

Space Cell	Minimal compliance - we have done enough to meet regulatory requirements	Maximizing opportunities - part of transformational change programs	Will be fully compliant in 6-12 months	Not relevant to our business
Open Banking regulation (UK)	Open Banking regulation (UK): Minimal compliance - we have done enough to meet regulatory requirements	Open Banking regulation (UK): Maximizing opportunities - part of transformational change programs	Open Banking regulation (UK): Will be fully compliant in 6-12 months	Open Banking regulation (UK): Not relevant to our business
Open Payments regulation PSD2	Open Payments regulation PSD2: Minimal compliance - we have done enough to meet regulatory requirements	Open Payments regulation PSD2: Maximizing opportunities - part of transformational change programs	Open Payments regulation PSD2: Will be fully compliant in 6-12 months	Open Payments regulation PSD2: Not relevant to our business
Open Account Access regulation PSD2	Open Account Access regulation PSD2: Minimal compliance - we have done enough to meet regulatory requirements	Open Account Access regulation PSD2: Maximizing opportunities - part of transformational change programs	Open Account Access regulation PSD2: Will be fully compliant in 6-12 months	Open Account Access regulation PSD2: Not relevant to our business
Industry-wide transparency - regulatory reporting MiFID2	Industry-wide transparency - regulatory reporting MiFID2: Minimal compliance - we have done enough to meet regulatory requirements	Industry-wide transparency - regulatory reporting MiFID2: Maximizing opportunities - part of transformational change programs	Industry-wide transparency - regulatory reporting MiFID2: Will be fully compliant in 6-12 months	Industry-wide transparency - regulatory reporting MiFID2: Not relevant to our business
Client-facing transparency - Best Execution MiFID2	Client-facing transparency - Best Execution MiFID2: Minimal compliance - we have done enough to meet regulatory requirements	Client-facing transparency - Best Execution MiFID2: Maximizing opportunities - part of transformational change programs	Client-facing transparency - Best Execution MiFID2: Will be fully compliant in 6-12 months	Client-facing transparency - Best Execution MiFID2: Not relevant to our business
Transparency and customer protection across multiple regulations	Transparency and customer protection across multiple regulations: Minimal compliance - we have done enough to meet regulatory requirements	Transparency and customer protection across multiple regulations: Maximizing opportunities - part of transformational change programs	Transparency and customer protection across multiple regulations: Will be fully compliant in 6-12 months	Transparency and customer protection across multiple regulations: Not relevant to our business

2. What are the most significant benefits to your organization of using a platform which is ready for Open Banking, PSD2, and other transparency and access-driven compliance projects? Choose up to 3 drivers.

No benefits - this is compliance burden only
Access to new and innovative third-party services
Ability to build innovative products and services
Simplify connectivity to multiple intermediaries
Reduce operational and IT costs
Access new client segments
Leverage new enterprise technology
Compliance across multiple regulatory regimes

3. Which transparency-driven open banking use cases have the highest value? How ready is your firm to deliver these?

Space Cell	Value/importance (low to high)	Maturity/readiness to deliver (low to high)
Multi-bank account aggregation	Reset star selection 1 out of 5 stars for Multi-bank account aggregation: Value/importance (low to high) 2 out of 5 stars for Multi-bank account aggregation: Value/importance (low to high) 3 out of 5 stars for Multi-bank account aggregation: Value/importance (low to high) 4 out of 5 stars for Multi-bank account aggregation: Value/importance (low to high) 5 out of 5 stars for Multi-bank account aggregation: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Multi-bank account aggregation: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Multi-bank account aggregation: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Multi-bank account aggregation: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Multi-bank account aggregation: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Multi-bank account aggregation: Maturity/readiness to deliver (low to high) Not Applicable
Cash Management	Reset star selection 1 out of 5 stars for Cash Management: Value/importance (low to high) 2 out of 5 stars for Cash Management: Value/importance (low to high) 3 out of 5 stars for Cash Management: Value/importance (low to high) 4 out of 5 stars for Cash Management: Value/importance (low to high) 5 out of 5 stars for Cash Management: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Cash Management: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Cash Management: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Cash Management: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Cash Management: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Cash Management: Maturity/readiness to deliver (low to high) Not Applicable
Payment Initiation	Reset star selection 1 out of 5 stars for Payment Initiation : Value/importance (low to high) 2 out of 5 stars for Payment Initiation : Value/importance (low to high) 3 out of 5 stars for Payment Initiation : Value/importance (low to high) 4 out of 5 stars for Payment Initiation : Value/importance (low to high) 5 out of 5 stars for Payment Initiation : Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Payment Initiation : Maturity/readiness to deliver (low to high) 2 out of 5 stars for Payment Initiation : Maturity/readiness to deliver (low to high) 3 out of 5 stars for Payment Initiation : Maturity/readiness to deliver (low to high) 4 out of 5 stars for Payment Initiation : Maturity/readiness to deliver (low to high) 5 out of 5 stars for Payment Initiation : Maturity/readiness to deliver (low to high) Not Applicable
Payment Status	Reset star selection 1 out of 5 stars for Payment Status: Value/importance (low to high) 2 out of 5 stars for Payment Status: Value/importance (low to high) 3 out of 5 stars for Payment Status: Value/importance (low to high) 4 out of 5 stars for Payment Status: Value/importance (low to high) 5 out of 5 stars for Payment Status: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Payment Status: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Payment Status: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Payment Status: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Payment Status: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Payment Status: Maturity/readiness to deliver (low to high) Not Applicable
Payment Account Information	Reset star selection 1 out of 5 stars for Payment Account Information: Value/importance (low to high) 2 out of 5 stars for Payment Account Information: Value/importance (low to high) 3 out of 5 stars for Payment Account Information: Value/importance (low to high) 4 out of 5 stars for Payment Account Information: Value/importance (low to high) 5 out of 5 stars for Payment Account Information: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Payment Account Information: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Payment Account Information: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Payment Account Information: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Payment Account Information: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Payment Account Information: Maturity/readiness to deliver (low to high) Not Applicable
Customer analytics	Reset star selection 1 out of 5 stars for Customer analytics: Value/importance (low to high) 2 out of 5 stars for Customer analytics: Value/importance (low to high) 3 out of 5 stars for Customer analytics: Value/importance (low to high) 4 out of 5 stars for Customer analytics: Value/importance (low to high) 5 out of 5 stars for Customer analytics: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Customer analytics: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Customer analytics: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Customer analytics: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Customer analytics: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Customer analytics: Maturity/readiness to deliver (low to high) Not Applicable
Product information	Reset star selection 1 out of 5 stars for Product information: Value/importance (low to high) 2 out of 5 stars for Product information: Value/importance (low to high) 3 out of 5 stars for Product information: Value/importance (low to high) 4 out of 5 stars for Product information: Value/importance (low to high) 5 out of 5 stars for Product information: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Product information: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Product information: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Product information: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Product information: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Product information: Maturity/readiness to deliver (low to high) Not Applicable
Product opening	Reset star selection 1 out of 5 stars for Product opening: Value/importance (low to high) 2 out of 5 stars for Product opening: Value/importance (low to high) 3 out of 5 stars for Product opening: Value/importance (low to high) 4 out of 5 stars for Product opening: Value/importance (low to high) 5 out of 5 stars for Product opening: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Product opening: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Product opening: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Product opening: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Product opening: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Product opening: Maturity/readiness to deliver (low to high) Not Applicable
Fraud and risk reduction	Reset star selection 1 out of 5 stars for Fraud and risk reduction: Value/importance (low to high) 2 out of 5 stars for Fraud and risk reduction: Value/importance (low to high) 3 out of 5 stars for Fraud and risk reduction: Value/importance (low to high) 4 out of 5 stars for Fraud and risk reduction: Value/importance (low to high) 5 out of 5 stars for Fraud and risk reduction: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Fraud and risk reduction: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Fraud and risk reduction: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Fraud and risk reduction: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Fraud and risk reduction: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Fraud and risk reduction: Maturity/readiness to deliver (low to high) Not Applicable
Credit Scoring	Reset star selection 1 out of 5 stars for Credit Scoring: Value/importance (low to high) 2 out of 5 stars for Credit Scoring: Value/importance (low to high) 3 out of 5 stars for Credit Scoring: Value/importance (low to high) 4 out of 5 stars for Credit Scoring: Value/importance (low to high) 5 out of 5 stars for Credit Scoring: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Credit Scoring: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Credit Scoring: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Credit Scoring: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Credit Scoring: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Credit Scoring: Maturity/readiness to deliver (low to high) Not Applicable
Enter another option	Reset star selection 1 out of 5 stars for Other: Value/importance (low to high) 2 out of 5 stars for Other: Value/importance (low to high) 3 out of 5 stars for Other: Value/importance (low to high) 4 out of 5 stars for Other: Value/importance (low to high) 5 out of 5 stars for Other: Value/importance (low to high) Not Applicable	Reset star selection 1 out of 5 stars for Other: Maturity/readiness to deliver (low to high) 2 out of 5 stars for Other: Maturity/readiness to deliver (low to high) 3 out of 5 stars for Other: Maturity/readiness to deliver (low to high) 4 out of 5 stars for Other: Maturity/readiness to deliver (low to high) 5 out of 5 stars for Other: Maturity/readiness to deliver (low to high) Not Applicable

4. How often do data quality exceptions occur? How often does automated processing break down - requiring manual exception management for the following list of data exceptions?

Space Cell	Multiple times per day	At least 1x every week	At least 1x every month	Almost never
Missing or late data (eg NAV or pricing data)	Missing or late data (eg NAV or pricing data): Multiple times per day	Missing or late data (eg NAV or pricing data): At least 1x every week	Missing or late data (eg NAV or pricing data): At least 1x every month	Missing or late data (eg NAV or pricing data): Almost never
Incomplete data (eg transaction without account ID or security identifier)	Incomplete data (eg transaction without account ID or security identifier): Multiple times per day	Incomplete data (eg transaction without account ID or security identifier): At least 1x every week	Incomplete data (eg transaction without account ID or security identifier): At least 1x every month	Incomplete data (eg transaction without account ID or security identifier): Almost never
Inconsistent data – time series (new data point outside usual value range)	Inconsistent data – time series (new data point outside usual value range): Multiple times per day	Inconsistent data – time series (new data point outside usual value range): At least 1x every week	Inconsistent data – time series (new data point outside usual value range): At least 1x every month	Inconsistent data – time series (new data point outside usual value range): Almost never
Inconsistent data – internal (data does not match between internal systems)	Inconsistent data – internal (data does not match between internal systems): Multiple times per day	Inconsistent data – internal (data does not match between internal systems): At least 1x every week	Inconsistent data – internal (data does not match between internal systems): At least 1x every month	Inconsistent data – internal (data does not match between internal systems): Almost never
Inconsistent data – external (data does not match with counterparties, eg broker)	Inconsistent data – external (data does not match with counterparties, eg broker): Multiple times per day	Inconsistent data – external (data does not match with counterparties, eg broker): At least 1x every week	Inconsistent data – external (data does not match with counterparties, eg broker): At least 1x every month	Inconsistent data – external (data does not match with counterparties, eg broker): Almost never
Data not in machine-readable format (emails, natural language, analogue sensor data)	Data not in machine-readable format (emails, natural language, analogue sensor data): Multiple times per day	Data not in machine-readable format (emails, natural language, analogue sensor data): At least 1x every week	Data not in machine-readable format (emails, natural language, analogue sensor data): At least 1x every month	Data not in machine-readable format (emails, natural language, analogue sensor data): Almost never
Data in incompatible formats (intra-system and between counterparts)	Data in incompatible formats (intra-system and between counterparts): Multiple times per day	Data in incompatible formats (intra-system and between counterparts): At least 1x every week	Data in incompatible formats (intra-system and between counterparts): At least 1x every month	Data in incompatible formats (intra-system and between counterparts): Almost never
Data needs to be manufactured, calculated, or derived before it can be used (eg for risk analysis)	Data needs to be manufactured, calculated, or derived before it can be used (eg for risk analysis): Multiple times per day	Data needs to be manufactured, calculated, or derived before it can be used (eg for risk analysis): At least 1x every week	Data needs to be manufactured, calculated, or derived before it can be used (eg for risk analysis): At least 1x every month	Data needs to be manufactured, calculated, or derived before it can be used (eg for risk analysis): Almost never
Context: some high value or highly-sensitive exceptions can be automated but are subject to human oversight for reasons to do with compliance, risk management or customer impact	Context: some high value or highly-sensitive exceptions can be automated but are subject to human oversight for reasons to do with compliance, risk management or customer impact: Multiple times per day	Context: some high value or highly-sensitive exceptions can be automated but are subject to human oversight for reasons to do with compliance, risk management or customer impact: At least 1x every week	Context: some high value or highly-sensitive exceptions can be automated but are subject to human oversight for reasons to do with compliance, risk management or customer impact: At least 1x every month	Context: some high value or highly-sensitive exceptions can be automated but are subject to human oversight for reasons to do with compliance, risk management or customer impact: Almost never

5. Who will benefit most from increased transparency and access to payment and account information?

Please enter an 'other' value for this selection.

6. In your estimate, what percentage of new business growth will be driven by your ability to monetize fast and open data? How soon?

Space Cell	There is no obvious path to monetization of fast and open data	Monetization of data will contribute between 2-5% of new business	Monetization of data will contribute between 5-10% of new business	Monetization of data will contribute between 10-20% of new business	Monetization of data will contribute between 20-40% of new business	Monetization of data will contribute to more than 40% of new business
Current status	Current status: There is no obvious path to monetization of fast and open data	Current status: Monetization of data will contribute between 2-5% of new business	Current status: Monetization of data will contribute between 5-10% of new business	Current status: Monetization of data will contribute between 10-20% of new business	Current status: Monetization of data will contribute between 20-40% of new business	Current status: Monetization of data will contribute to more than 40% of new business
In 12 months time	In 12 months time: There is no obvious path to monetization of fast and open data	In 12 months time: Monetization of data will contribute between 2-5% of new business	In 12 months time: Monetization of data will contribute between 5-10% of new business	In 12 months time: Monetization of data will contribute between 10-20% of new business	In 12 months time: Monetization of data will contribute between 20-40% of new business	In 12 months time: Monetization of data will contribute to more than 40% of new business
In 24 months time	In 24 months time: There is no obvious path to monetization of fast and open data	In 24 months time: Monetization of data will contribute between 2-5% of new business	In 24 months time: Monetization of data will contribute between 5-10% of new business	In 24 months time: Monetization of data will contribute between 10-20% of new business	In 24 months time: Monetization of data will contribute between 20-40% of new business	In 24 months time: Monetization of data will contribute to more than 40% of new business
In 36 months time	In 36 months time: There is no obvious path to monetization of fast and open data	In 36 months time: Monetization of data will contribute between 2-5% of new business	In 36 months time: Monetization of data will contribute between 5-10% of new business	In 36 months time: Monetization of data will contribute between 10-20% of new business	In 36 months time: Monetization of data will contribute between 20-40% of new business	In 36 months time: Monetization of data will contribute to more than 40% of new business

7. What is the importance of each of these obstacles to investment in data control solutions?

Not Important at all

Very Important

No credible technology solutions

Lack of business case

Lack of customer interest

Regulatory compliance burden

Integration with existing technology

Too expensive

Lack of internal skills/knowledge

Organisational culture or bias

8. Which benefits are most likely to drive your firm's investment in improved data quality and control? Choose importance on scale of 1 to 10, 10 being the most important.
*This question is required.

Space Cell	Likely trigger to drive investment in data control solutions?
Reduce data management costs	Reset star selection 1 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Reduce data management costs: Likely trigger to drive investment in data control solutions?
Improve quality of customer service	Reset star selection 1 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Improve quality of customer service: Likely trigger to drive investment in data control solutions?
Improve quality of business decision making	Reset star selection 1 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Improve quality of business decision making: Likely trigger to drive investment in data control solutions?
Improve scalability/robustness of workflows	Reset star selection 1 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Improve scalability/robustness of workflows: Likely trigger to drive investment in data control solutions?
Improve compliance with regulation	Reset star selection 1 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Improve compliance with regulation: Likely trigger to drive investment in data control solutions?
Enable digital transformation of customer engagement	Reset star selection 1 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Enable digital transformation of customer engagement: Likely trigger to drive investment in data control solutions?
Free up business operations resources	Reset star selection 1 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Free up business operations resources: Likely trigger to drive investment in data control solutions?
Free up IT operations resources	Reset star selection 1 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Free up IT operations resources: Likely trigger to drive investment in data control solutions?
Enter another option	Reset star selection 1 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 2 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 3 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 4 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 5 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 6 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 7 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 8 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 9 out of 10 stars for Other: Likely trigger to drive investment in data control solutions? 10 out of 10 stars for Other: Likely trigger to drive investment in data control solutions?

9. How do you categorize your organization's maturity level when it comes to IT investment in open banking and transparency-driven transformation projects?

10. As you invest in future tech capabilities, what are the biggest drivers for improving data management? Score 1-10 with 10 being the most important. *This question is required.

Space Cell	How relevant is this tech trend?
Ubiquitous, value-for-money Cloud infrastructure	Reset star selection 1 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 2 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 3 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 4 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 5 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 6 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 7 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 8 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 9 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend? 10 out of 10 stars for Ubiquitous, value-for-money Cloud infrastructure: How relevant is this tech trend?
RPA automation	Reset star selection 1 out of 10 stars for RPA automation: How relevant is this tech trend? 2 out of 10 stars for RPA automation: How relevant is this tech trend? 3 out of 10 stars for RPA automation: How relevant is this tech trend? 4 out of 10 stars for RPA automation: How relevant is this tech trend? 5 out of 10 stars for RPA automation: How relevant is this tech trend? 6 out of 10 stars for RPA automation: How relevant is this tech trend? 7 out of 10 stars for RPA automation: How relevant is this tech trend? 8 out of 10 stars for RPA automation: How relevant is this tech trend? 9 out of 10 stars for RPA automation: How relevant is this tech trend? 10 out of 10 stars for RPA automation: How relevant is this tech trend?
AI (machine learning)	Reset star selection 1 out of 10 stars for AI (machine learning): How relevant is this tech trend? 2 out of 10 stars for AI (machine learning): How relevant is this tech trend? 3 out of 10 stars for AI (machine learning): How relevant is this tech trend? 4 out of 10 stars for AI (machine learning): How relevant is this tech trend? 5 out of 10 stars for AI (machine learning): How relevant is this tech trend? 6 out of 10 stars for AI (machine learning): How relevant is this tech trend? 7 out of 10 stars for AI (machine learning): How relevant is this tech trend? 8 out of 10 stars for AI (machine learning): How relevant is this tech trend? 9 out of 10 stars for AI (machine learning): How relevant is this tech trend? 10 out of 10 stars for AI (machine learning): How relevant is this tech trend?
Data reconciliation	Reset star selection 1 out of 10 stars for Data reconciliation: How relevant is this tech trend? 2 out of 10 stars for Data reconciliation: How relevant is this tech trend? 3 out of 10 stars for Data reconciliation: How relevant is this tech trend? 4 out of 10 stars for Data reconciliation: How relevant is this tech trend? 5 out of 10 stars for Data reconciliation: How relevant is this tech trend? 6 out of 10 stars for Data reconciliation: How relevant is this tech trend? 7 out of 10 stars for Data reconciliation: How relevant is this tech trend? 8 out of 10 stars for Data reconciliation: How relevant is this tech trend? 9 out of 10 stars for Data reconciliation: How relevant is this tech trend? 10 out of 10 stars for Data reconciliation: How relevant is this tech trend?
Streaming Data	Reset star selection 1 out of 10 stars for Streaming Data: How relevant is this tech trend? 2 out of 10 stars for Streaming Data: How relevant is this tech trend? 3 out of 10 stars for Streaming Data: How relevant is this tech trend? 4 out of 10 stars for Streaming Data: How relevant is this tech trend? 5 out of 10 stars for Streaming Data: How relevant is this tech trend? 6 out of 10 stars for Streaming Data: How relevant is this tech trend? 7 out of 10 stars for Streaming Data: How relevant is this tech trend? 8 out of 10 stars for Streaming Data: How relevant is this tech trend? 9 out of 10 stars for Streaming Data: How relevant is this tech trend? 10 out of 10 stars for Streaming Data: How relevant is this tech trend?
Manufactured/Derived Data	Reset star selection 1 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 2 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 3 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 4 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 5 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 6 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 7 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 8 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 9 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend? 10 out of 10 stars for Manufactured/Derived Data: How relevant is this tech trend?
Unstructured data (NLP, sentiment analysis)	Reset star selection 1 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 2 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 3 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 4 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 5 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 6 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 7 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 8 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 9 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend? 10 out of 10 stars for Unstructured data (NLP, sentiment analysis): How relevant is this tech trend?
Distributed ledger/Blockchain/DLT	Reset star selection 1 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 2 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 3 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 4 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 5 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 6 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 7 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 8 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 9 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend? 10 out of 10 stars for Distributed ledger/Blockchain/DLT: How relevant is this tech trend?
Increased data control and oversight	Reset star selection 1 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 2 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 3 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 4 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 5 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 6 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 7 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 8 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 9 out of 10 stars for Increased data control and oversight: How relevant is this tech trend? 10 out of 10 stars for Increased data control and oversight: How relevant is this tech trend?

11. As you prepare for future business challenges, how do you measure the importance of the following drivers for improved data control? Score 1-10 with 10 being the most relevant business driver.
*This question is required.

Space Cell	How relevant is this Business Driver?
Cost and Margin Pressure	Reset star selection 1 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 2 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 3 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 4 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 5 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 6 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 7 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 8 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 9 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver? 10 out of 10 stars for Cost and Margin Pressure: How relevant is this Business Driver?
Scalability/Volume	Reset star selection 1 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 2 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 3 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 4 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 5 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 6 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 7 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 8 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 9 out of 10 stars for Scalability/Volume: How relevant is this Business Driver? 10 out of 10 stars for Scalability/Volume: How relevant is this Business Driver?
Customer experience management (milennials/un(der)served customers)	Reset star selection 1 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 2 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 3 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 4 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 5 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 6 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 7 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 8 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 9 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver? 10 out of 10 stars for Customer experience management (milennials/un(der)served customers): How relevant is this Business Driver?
Digitisation of legacy client/intermediary channels	Reset star selection 1 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 2 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 3 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 4 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 5 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 6 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 7 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 8 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 9 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver? 10 out of 10 stars for Digitisation of legacy client/intermediary channels: How relevant is this Business Driver?
Complying with regulatory/transparency requirements	Reset star selection 1 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 2 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 3 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 4 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 5 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 6 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 7 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 8 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 9 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver? 10 out of 10 stars for Complying with regulatory/transparency requirements: How relevant is this Business Driver?
Readiness for alternative sourcing/operating models	Reset star selection 1 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 2 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 3 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 4 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 5 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 6 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 7 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 8 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 9 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver? 10 out of 10 stars for Readiness for alternative sourcing/operating models: How relevant is this Business Driver?
Enter another option	Reset star selection 1 out of 10 stars for Other: How relevant is this Business Driver? 2 out of 10 stars for Other: How relevant is this Business Driver? 3 out of 10 stars for Other: How relevant is this Business Driver? 4 out of 10 stars for Other: How relevant is this Business Driver? 5 out of 10 stars for Other: How relevant is this Business Driver? 6 out of 10 stars for Other: How relevant is this Business Driver? 7 out of 10 stars for Other: How relevant is this Business Driver? 8 out of 10 stars for Other: How relevant is this Business Driver? 9 out of 10 stars for Other: How relevant is this Business Driver? 10 out of 10 stars for Other: How relevant is this Business Driver?

Open and fast Data - Survey 2019 - Ext

Background