• Organizational Flexibility

• Characteristics of Flexible organization

• Alignment with Customer in a fast moving, competitive environment
• Protecting the core and disrupt the edge.
• Changes its business models as the competition changes
• Adopting to progressive test and learn approach.
• Ready to make alliance with different partners when the need arises
• Co-Creation, Collaboration and adapting to collaborative mindset.
• Example of flexible organization
• Bank of America and Citibank were the first banks to adopt Internet Banking.
• Google - Launching new internet based products such as cloud computing
• Toyota & Mercedes launching Hybrid vehicle
• Organizational and Technological Agility for Digital Banking Transformation
• An agile and flexible IT platform is central to the digitization of banking operating models.
• Seamless integration between external Cloud services and Bank IT platform will enable
the front-end IT services in to business and industrializing backend.
As we can see in the above figure leading banks are creating smart middleware layer that computes and
process customer’s /business intelligence with state-of-art technologies and interfaces.
Banks needs to open middleware layers and use third party open APIs for seamless integration between third
party apps, web and mobile interface, branches and call centers with the Core Banking System.
While doing this Banks core banking system remains constant and disruption/innovation is happening at the
edge.