首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
When Metro Bank, which claims to be Britain’s first new high-street bank for more than 150 years, opens its first branch in inne
When Metro Bank, which claims to be Britain’s first new high-street bank for more than 150 years, opens its first branch in inne
admin
2012-05-04
16
问题
When Metro Bank, which claims to be Britain’s first new high-street bank for more than 150 years, opens its first branch in inner London, customers will notice the candy jars and water bowls for dogs. But what really sets Metro Bank apart is its state-of-the-art IT system. New customers will be able to gel their account, chequebook, debit and credit cards within 15 minutes, and all the data for each customer will be kept in one place.
That puts Metro Bank in an enviable position. IT at many other Western banks is often a mess of homemade systems. Banks were the first to use mainframes in the 1960s; many are still using the original applications because it is risky to swap them out. Over the years more and more systems have been slapped on. Banks were often profitable enough to afford big IT teams, writing programs themselves rather than buying off the shelf.
As a result banks tend to operate lots of different databases producing conflicting numbers. Reported numbers for the bank’s exposure were regularly billions of dollars adrift of reality, he reports, finding the source of the error was hard.
Many banks also do not have a "single view" of their customers, which would allow them to offer tailored products or simply serve them better. Most systems are organised around accounts, not people. A customer’s data are duplicated for each account, often in slightly different formats. This is why talking to a call centre can take forever as employees laboriously switch between applications to sort things out.
Some banks, particularly the smaller ones, outsource their IT to providers such as Fiserv or use packaged software. Vendors range from well-known names, such as Infosys and Oracle, to specialised firms such as Temenos. Firms can offer better service as a result. It takes Vietnam’s Techcombank, one of the country’s fastest-growing banks, days to launch new products. It takes weeks for foreign rivals.
A few big banks are trying to improve. When HSBC started a huge consolidation project called " One HSBC" in 2008, it operated 55 separate systems for core banking, 24 for credit cards and 41 for Internet banking. By the end of next year, says Ken Harvey, the bank’s chief information officer, it plans to have one "gold suite" of applications implemented globally. But most bigger banks are still grappling with how to move forward, according to Martin Whybrow of IBS Intelligence, a research firm.
Which of the following statements about the IT system at most Western banks is CORRECT?
选项
A、The application of more systems produced conflicting results.
B、Some banks didn’t update their system due to financial matters.
C、Banks didn’t take the lead to install the IT system in operation.
D、Banks prefer buying programs to employing teams to write them.
答案
A
解析
细节题。由题干中的Western banks定位至第二段。该段第四句中的slap on意为“实行”,再结合第三段首句可知,正确选项为A。
转载请注明原文地址:https://jikaoti.com/ti/DOgMFFFM
0
专业英语四级
相关试题推荐
Finalistsfor2002BusinessEthicsAwards:EmployeeOwnershipRealPrecisionManufacturing—Toavoidlayoffsinarecentdownturn
GangCrimeLivinginalargeurbancenteroftenequatestolivingnearorwithinthecriminalepicenter,especiallyforinn
AcidRainHowever,manyadvantagestheindustrialsocietybringsusalsohaveadownside.Oneoftheadverseeffectsofin
Theemployeeswereallveryexhausted,but______ofthemwouldstoptotakeabreak.
Thereareanumberoffacetstoanyemotionalexperience.Ifyouhaveeverexperiencedextremefear,youwillrecognizethatsub
Thereareanumberoffacetstoanyemotionalexperience.Ifyouhaveeverexperiencedextremefear,youwillrecognizethatsub
Imagineeatingeverythingdeliciousyouwant-withnoneofthefat.Thatwouldbegreat,wouldn’tit?New"fakefat"produ
It’sanindustrybuiltpurely【C1】______image,buttheactors,actressesandsingerswhoturntoitforhelpliketokeepita
Theshoemakercanmendwhatever______.
CarsaccountforhalftheoilconsumedinTheU.S.,abouthalftheurbanpollutionandonefourththegreenhouse(温室)gases.T
随机试题
豫菜代表性品种包括()。
甲将自己的房屋租给乙居住,约定租期为30年。则下列说法正确的是:()。
防止污染及其他公害设施的建设,必须与主体工程建设项目实行“三同时”,“三同时”是指:[2001年第25题][2007年第15题]
对个人经营贷款借款人的生产经营收入,应重点调查的内容不包括()。
下列关于黄金理财产品的特点,说法不正确的是()。
IPv6协议数据单元由一个固定头部和若干个扩展头部以及上层协议提供的负载组成,其中用于标识松散源路由功能的扩展头是()。
“子适卫,冉有仆。子日:‘庶矣哉’。冉有曰:‘既庶矣,又何加焉?’曰:‘富之。曰:‘既富矣,又何加焉?’曰:‘教之。’”这段话最主要反映的是
WhyistheNativeLanguageLearntSoWellHowdoesithappenthatchildrenlearntheirmothertonguesowell?Whenwecompare
Minipresentation’about—6minutesInthispartofthetextyouareaskedtogiveashorttalkonabusinesstopic,Youhaveto
A、Adjustinghisbiologicalclock.B、Knowingthedirectionofajet.C、Realizingthetimedifference-duringflight.D、Gettingus
最新回复
(
0
)