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Lloyds on-site technology deemed “not fit for purpose” in leaked video

A senior Lloyds banker has warned its existing on-site technology is “not fit for purpose” during a recorded internal meeting acquired by the Mail on Sunday. This technology holds the vast majority of the bank’s data and services.

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Lloyds on-site technology deemed “not fit for purpose” in leaked video

Editorial

This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community.

Nick Williams, group transformation director at Lloyds, was answering employee questions during the call. Mail on Sunday reported that Lloyds have an internal project codenamed Voyager, tasked with updating its older technology on the cloud.

In the video, Williams can be heard commenting on their ‘on-premise’ software(software not on the cloud), stating: “The bottom line is our prem [premises] capability today is not fit for purpose.

“So we've got to sort that problem out as well. We do need to move them forwards. The age of our estate is a real concern.”

He further commented that “99%” of Lloyds' data and services is hosted on the bank's own servers. However, a source close to the bank reports that Lloyds technology is still robust, reporting one of the lowest levels of outages.

Williams continued: “To move forwards and progressively modernise and simplify what we're doing, we've got to move on to a more modern architecture. That's not just a case of let's go and buy new hardware. Quite a lot of the reasons why we're still stuck on the ageing infrastructure is because the applications won't work on new hardware, so it's very much a collective effort.”

When Charlie Nunn took the position as CEO of Lloyds last year, technology was a key reason behind his appointment. Nunn is expected to reveal a new strategy for the bank in February, along with their annual results. This will likely include a technological upgrade.

Mark Brown, general secretary of trade union BTU, said: “Given the billions the bank's invested in IT over the years, for a senior executive to be forced to admit that the bank's current on premises IT infrastructure 'is not fit for purpose' is both astonishing and deeply worrying. But he should be commended for his honesty. The question Mr Nunn needs to answer is how much money is the group prepared to invest to make its IT infrastructure fit for purpose?”

Lloyds commented: “We continue to modernise our technology infrastructure in order to retain our leading UK customer position and our cost leadership in an increasingly competitive operating environment. This aims to deliver increased agility and responsiveness to customer trends, while supporting our broader strategic priorities around customer services and products and operational efficiency.”

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Comments: (2)

A Finextra member 

To be honest, he is not breaking any secrets. Most bank technology dates back to the 80s / 90s and did not need major overall but for Y2K. It is generally robust (but not so resilient), saclable to the needs, however harder to change (but does not change so much). Cost of ownership is high, keeps IBM in business collecting MIPS, but that is marginal in the grand schema.  The biggest issue of all is that the new generations of engineers won't want to touch those with a barge pole and banks will have very response capabilities to new business models. 

Oh and if you think Banks are bad, have a look at the Insurance industry. Even worse and the inertia to evolve to new ways of working is way higher in there. 

Jeff Case

Jeff Case Sales at Pega

I would suggest business architecture as a whole hasn't really evolved much since the Industrial Revolution which created siloed, vertical operational towers.  In the 20th Century we migrated some of those operations to an electronic file format hosted on computers but fundamentally nothing has really changed other than the old paper filing cabinets have been somewhat coverted to electronic filing cabinets.  

To enable a truly digital, frictionless experience that delights both the Banker and the Client requires breaking down the operational siloes by defining E2E processes enabled by business rules, ML and AI.   

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