1、2023 Global Outlook for Banking andFinancial MarketsCreating digital advantage for uncertain timesIBM Institute for Business Value|Expert Insights2Shanker RamamurthyManaging Partner,Global Banking&Financial Markets IBM Consulting J.DuigenanGeneral Manager,Financial Services IndustryIBM T serves as I

2、BM Consultings Managing Partner of Global Banking and Financial Markets with a particular focus on core banking modernization and payments transformation.He is also a member of the IBM Acceleration Team.He is a well-known thought leader with multiple patents,has authored several white papers,and was

3、 ranked as one of the 50 most influential financial services consultants worldwide by Euromoney magazine.John is the General Manager for the Financial Services sector within IBM Global Industries.His mission is to align the value creation from IBM Technology with current industry imperatives that sp

4、an clients across the sector.John and his team partner closely with clients to show how industry-specific use cases map to IBM technology capabilities,solutions,and outcomes.Use cases are a vehicle to demonstrate relevance,scale re-use,and create client references.As an IBM Distinguished Engineer,Jo

5、hn also leads by example by being a hands-on technologist.Since joining IBM in 1998,he has held technical and business roles spanning the entire product lifecycle,with extensive development,service,sales and technology leadership.He led multi-billion-dollar transformation programs at IBMs customers.

6、John is based in New York City.Authors 3Paolo Sironi Global Research Leader Banking and Financial Markets,IBM Institute for Business V WagleManaging Partner,Financial Services IBM Consulting EMEA Likhit.W Diane ConnellyGlobal Research Leader Banking and Financial Markets,IBM Institute for Business V