Karolina MarzantowiczIBM Distinguished EngineerBankowośćJutra @kmarzantowicz

@kmarzantowicz

Technologia w roli główejCustomer

Behaviours

Technology Progress

Industry Convergence

Regulatory Concerns

Pressure on Reducing Costs

Changing People Skills

Socio-Economic Factors

Globalization Macro-economic Factors

@kmarzantowicz

Internet RzeczyBlockchainCognitive

@kmarzantowicz

InternetRzeczy

“There will be more partnerships and consortia and more of a ‘gray’ area between buyers and sellers. Rather than controlling the value chain completely, companies will share it.”

CSP CEO from Portugal

@kmarzantowicz

Blockchain

“Blockchain-based systems could help radically improve whole industries, beginning with banking and insurance. It could make a

difference whenever valuable assets are transferred from one party to another and

whenever you need to know for certain that a piece of digital information — is unique and

unchangeable by any party without the agreement of all parties.

Arvind KrishnaIBM Research, SVP @kmarzantowicz

Cognitive

“In the lending space where we typically have multiple front and middle office

backend systems and complexity ... we wanted to build cognitive solution that was intelligent and that could deal with internal

and external sources ... where we could increase the automation and reduce time to

market for approval of unsecured and personal loans”

Patrick Maes, ANZ CTO

@kmarzantowicz

"Cars are interesting to think about for any number of reasons, not the least of which is because many people spend an inordinate amount of time in their cars,"

Dominic Venturo, chief innovation officer

U.S. Bank in Minneapolis.@kmarzantowicz

Karolina MarzantowiczIBM Distinguished Engineer

@kmarzantowicz