IBM商业价值研究院：2025年94%银行核心系统现代化症结：转型何以受挫与首席信息官实践指引报告（英文版）

CIOs unearth gold by turning setbacks into insights. 94% of banking overhauls extend beyond their planned timelines, resulting in delays that negatively impact ROI. Yet CIOs learned invaluable lessons, including the role of AI in spurring development, how industry standards can untangle application chaos, and the importance of creating deliberate hybrid cloud strategies. AI can turbocharge banking transformation, but risk management demands attention. With 51% of banks already harnessing AI t