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1、DIGITAL,TECHNOLOGY,AND DATATech in Banking 2025:Transformation Startswith Smarter TechInvestmentBy Romary Barbey,Luc Grimond,Andy Maguire,Domenic Maida,Yogesh Mishra,SukandRamachandran,Stiene Riemer,Marios Tziannaros,Antoine Puget,and Alice ScottiARTICLE MAY 06,2025 15 MIN READTechnology is one of t

2、he most powerful levers for financial institutions to build competitiveadvantage.Smart tech investments,including the deployment of emerging agentic AI capabilities,can reinvent the customer journey,increase speed to market,enable personalization of customer2025 Boston Consulting Group1interactions,

3、and drive efficiencies throughout the business.Yet,while banks are making ambitiousinvestments in tech,they frequently miss out on capturing these potential opportunities.So,whats stopping them?A key part of the answer can be found by digging into where banks areand are notspendingtheir tech dollars

4、.A large share of bank technology investment today is directed toward“run-the-bank”(RTB)initiatives(think core tech activities such as running existing applications in thecloud)rather than“change-the-bank”(CTB)efforts that can build real competitive Nodoubt much of that RTB funding is necessary and

5、well spent.But if even a fraction of those fundscan be redirected toward more innovative efforts,banks can unlock synergies and position theirbusiness to thrive.To seize this opportunity,banking leaders must take three critical actions:Simplify business operations and refocus technology spending.Lev

6、erage investment in regulatory compliance to build resilience.Build powerful tech capabilities in data management,talent,and IT infrastructure.Success,however,requires a fundamental shi in how banks align technology and strategy.Technology cannot exist in silos;it must be tightly integrated with cor