企业技术并未与消费者技术保持一致。考虑后者领域的收益：Amazon.com已讨论如何使智能建议并影响您的购买习惯;iPad立即提供对广大和有组织的多媒体娱乐世界的访问;新的应用程序每天都在您的智能手机上出来迎接您或丰富您的生活。相比之下，金融公司的后台办公室通常需要几周的手工工作来生产太不透明和错误的报告，其中一部分都是彼此集成的。一个新的系统更新？这可能需要数月或数年来推出。为什么金融世界的企业技术仍然如此古老？如果一名22岁的程序员可以在几个晚上汇集一个伟大的iPhone应用程序，在几个月的努力工作后，如何在技术上花费数亿美元的企业将无法生产可行的企业解决方案？人们可能会争辩说金融世界是一个固有的更加艰难的操作环境，因为它需要更紧密的安全性，更高的可靠性和更多来自其软件的灵活性。 These factors are real, but the core problem is actually quite simple: Finance is dominated by closed platforms and outdated infrastructure designed 20 to 30 years ago. Imagine that if you wished to build a better application, you first had to design a new smartphone and its operating system. This is the challenge faced by programmers working in the institutional finance industry. It explains why the California Public Employees’ Retirement System just spent more than $500 million on its information technology systems and why many banks and institutions spend billions of dollars a year patching things together — often resulting in very expensive failures. Royal Bank of Scotland Group paid £125 million ($200 million) in fines in 2012 after faulty software locked customers out of their accounts for a week. Fortunately, this is all about to change. Many of us in Silicon Valley believe we’re entering an era of a new type of company we call smart enterprise. Earlier there was an enterprise IT wave, followed by a telecommunications wave, followed by an explosion of consumer IT. New York and Los Angeles are still dominated by the consumer IT wave and may even be seeing a bubble of these types of companies, but a new wave is emerging in Silicon Valley. Whereas enterprise IT companies solve linear problems like payroll, accounting and storage, smart-enterprise companies integrate massive sets of heterogeneous data and expose information within platforms in ways that enable people to solve nonlinear, conceptual problems in a collaborative environment. Smart-enterprise technology allows users to avoid hundreds of hours of data entry and spreadsheet manipulation and instead dive straight into the high-value tasks of asking important questions and finding needed answers. These new companies are revisiting the fundamental IT infrastructure in big industries such as finance, health care, government, energy and logistics, and replacing it with modern platforms. Their technologies close decades-long gaps between what exists in many of these industries and what we all know should be possible today. What does this mean for finance? Within the coming decade you’ll have much better information awareness via systems that get you what you want when you want it and do so in an intuitive way that doesn’t involve calling the back office or waiting weeks for others to collect data in a usable format. Errors will decrease. Middlemen in the industry will lose some rent as these new systems commoditize many parts of the financial back office. And with more information available, new standards and models will emerge to reflect what really works in today’s world, guiding manager selection and risk planning. And when you do want to integrate some new information or get a new type of report, it’s going to be as easy as asking that 22-year-old to write you a quick iPhone app. In the meantime, tens of billions of dollars are still going to be wasted by IT departments at giant institutions trying to keep their antiquated platforms functioning for another year.
Silicon Valley开始推出新的开放式平台，并与各种全球金融机构合作，将系统带入成果，具有惊人的早期成果。贷款俱乐部，薄荷和广场只是一些扰乱金融技术空间的少数风险投资公司。我们认为，这些新平台将支持宗教团，减少欺诈，并促进创造更好的决策和智能风险标准。是的，有一个应用程序。
Joe Lonsdale是一家技术先锋和联合创始人，Addepar，山景董事长，山景，基于加利福尼亚州的财富管理行业提供的软件。