| | June 20194CIOReviewVOL 7 · ISSUE 5 - 3 · JUNE - 2019Office Editorial queries editor@cioreviewindia.comAdvertising queriessales@cioreviewindia.comBangaloreTel 080 46441103NoidaTel 120 4639300 To subscribeVisit www.cioreviewindia.com/magazine-in or send email to: subscription@cioreviewindia.comCover price is Rs 150 per issueAshok KumarVirupakshi PattarSales & MarketingAmrit SinghAmeet Kumar SahooNagendra Kumar Rohit RaghubanshiRavi KalgiCIOReviewGroup Art DirectorVP - Sales & MarketingMagendran PerumalCirculation ManagerEditorial TeamChitra MishraShiwani PrakashSuchita Gonsalves Vinisha PaivaMilan JainLakshmi GCIOReview No. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugheshpalya, Bangalore-560017Mohana KrishnanSivasankarVisualizersPrinted and published by Alok Chaturvedi on Behalf of Bizprint Media Technologies Pvt Ltd and Printed at Precision Fototype Services at Sri Sabari Shopping Complex, 24 Residency Road Bangalore-560025 and Published at No. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugeshpalya, Bangalore-560017.Copyright © 2019 Bizprint Media Technologies Pvt Ltd, All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher.EditorialEditorialBanks across the globe have begun their digital transformation journeys and this year we will see financial institutions focus on how to accelerate those journeys. According to Infosys Finacle's latest Digital Trends in Banking Report, Open Banking and API-led business models will play a key role.Over the past ten years, banks have had to deal with extraordinary changes and shifting priorities ­ from restoring trust and meeting capital requirements to the emergence of new channels and devices, and more recently the rise of ecosystem-led business models. Thanks to the rapid evolution of digital technologies, the change has been rather exponential over the past few years.Surviving and thriving in these times requires banks to be extremely responsive to market changes and customer expectations. The Digital Trends report sets out to help banks do just that at the beginning of every year. An agile customer-centric business needs the right technology foundation and enablers to capitalise on opportunities and minimise threats amid new digital realities. So the report features not only business transformation trends but also technology trends, to help banks make the trade-offs and choices right for the unique needs of their business.The right technology enablers are extremely crucial for a business to flourish. That makes enabling technologies such as cloud, APIs, and blockchain exceedingly important and essential for any business. And these technologies are evolving rapidly. The agility, scale and speed of innovation that today's realities demand cannot be achieved without the cloud. APIs are central to any ecosystem, whilst blockchain has brought in a level of transparency and immutability never seen before. Having said that, emerging technologies such as AI, IoT and AR promise sci-fi like experiences. In fact, today these experiences lie more on the reality side of the evolution continuum which makes them exciting to watch and imperative to adopt.In this edition of CIO Review India are presenting you with few of the exceptional banking domain knights who have put together their innovative ideas to bring in a plethora of banking solutions and services.Do let us know what you think.Emmanuel Christi DasAsst. Managing Editoremmanuel@cioreviewindia.com.A New Chapter in Banking Tech PublisherEditorAsst. Managing EditorAlok ChaturvediSudhakar Singh Emmanuel Christi Das
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