correlated with the operational efficiency of the bank because it did not provide its regulators with high quality, resulting in a low degree of operational efficiency. Information technology was negatively linked to the bank's decision-making capability and business objectives because the systems didn't enable information to be effectively circulated among other departments or provide a consistent overview of bank operations to senior management. The consequence of this is always a lack of proper communication that inevitably leads to insufficient decision-making. It is clear that information technology, along with information systems, has caused Deutsche Bank to face a variety of recent challenges.
在德意志银行,信息技术的作用至关重要。它习惯于处理许多公司活动,例如报告掉期结果、存储法律实体和管理金融衍生品。此外,它还被用来发现任何形式的不当行为。这与银行的运营效率相关,因为它没有为监管机构提供高质量的服务,导致运营效率较低。信息技术与银行的决策能力和业务目标呈负相关,因为这些系统无法使信息在其他部门之间有效传播,也无法向高级管理层提供一致的银行运营概览。其结果总是缺乏适当的沟通,这不可避免地导致决策不足。很明显,信息技术和信息系统一起导致德意志银行最近面临各种各样的挑战。
3) As they had more than 100 separate booking systems for trade in London, Deutsche Bank didn't use technology effectively to implement its business strategy, and because each system used a different number or code, it was very difficult to recognize each client within the system. In February 2018, the bank announced that it had a loss of $900 million for 2017, the third annual loss in a row. Their defined business plan was to place teams against each other, but the outcomes were ineffective, leading the bank to collect data by hand from the systems. It was extremely unsuccessful and inefficient with the technology they used as the outdated technology was unable to provide crucial information required by the bank to handle any problems that may occur. In today's day and age it's extremely important to stay up to date with technology, but due to Deutsche Bank not modernizing their IT systems early on, their bank was endangered.
由于德意志银行在伦敦有100多个单独的交易预订系统,因此没有有效地使用技术来实施其业务战略,而且由于每个系统使用不同的号码或代码,因此很难识别系统中的每个客户。2018年2月,该行宣布2017年亏损9亿美元,连续第三年亏损。他们定义的商业计划是让团队相互对抗,但结果无效,导致银行从系统中手工收集数据。由于过时的技术无法提供银行处理任何可能出现的问题所需的关键信息,因此他们使用的技术极不成功,效率低下。在今天这个时代,跟上技术的发展是非常重要的,但由于德意志银行没有在早期实现it系统的现代化,他们的银行受到了威胁。
4) The re-engineering of the bank's information systems and operations was suggested to
Deutsche Bank. If they use the trial and error method, it would be a very effective solution as Boeing used this method and it has shown hopeful results. Boeing used this strategy of trial and error by launching aircraft by watching them crash and attempting to learn from their errors. Similarly, if Deutsche Bank were to use this approach for their IT systems, their errors would be minimized and some promising outcomes could be achieved instead.
有人建议对该银行的信息系统和业务进行重新设计
德意志银行。如果他们使用试错法,这将是一个非常有效的解决方案,因为波音公司使用了这种方法,并且已经显示出了有希望的结果。波音采用了这种反复试验的策略,通过观察飞机坠毁并试图从错误中吸取教训来发射飞机。类似地,如果德意志银行在其IT系统中使用这种方法,他们的错误将最小化,并可以实现一些有希望的结果。
Relevant Research and Commentary 相关研究和评论
Upon doing further research, I found out about the largest commercial bank in India named SBI (Deb, 2020). In December 2020, YONO (SBI mobile application) had been impacted due to a system outage. Approximately 55% of the bank's transactions are done digitally and half of those transactions are through YONO so this outage impacted hundreds of customers (Shukla, 2020). The bank tried to resolve this situation by making some minor changes, however, the information systems were designed over a decade ago. This bank should've kept systems up to date with the latest technologies as they faced technological glitches due to their usage of older systems. The old systems were unable to handle large digital transaction volumes (Saxena, 2020). However, this isn't the first time that SBI has faced a system outage. They have been having system outages almost once a month due to their old information systems. Furthermore, they said the reason they continuously experienced more outages was due to them upgrading their internet ban