“The story about legacy systems impeding innovation is a bit oversold, says Mr O’Neill. “I’mnot saying they will go on for ever, but they have done a pretty decent job of supplying newproducts and services.

奥尼尔表示：“遗留系统阻碍创新的报道有点言过其实。我并没有说它们会永远运行下去，而是说它们在提供新产品和服务方面做得还不错。

Like many sectors, however, banks are realising the need to harness the power of “big data tooffer better digital services to their customers.

不过，和许多行业一样，银行正在认识到需要利用“大数据的威力，为客户提供更好的数字化服务。

Mr Michael at KPMG says his banking clients know the stakes are high. “They have seen whattechnology has done to music and home shopping and so far they have been relatively slow toadapt — but the longer they wait the harder it will get.

毕马威的迈克尔表示，他的银行客户知道这方面的工作事关重大。“他们看到了技术在音乐和家庭购物领域的威力。迄今他们的适应相对缓慢，但他们等待的时间越长，就越难完成这一调整。

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