BAU = Business as Usual and that's the order of the day in most shops, along with cutting costs. As a result, most of the evolutionary and revolutionary services will come from outside - through licensing, partnership, and M&A.
Absent from this write-up on the Celent projections is cyber-security, which of course will get a disproportionate increase in spending growth for the next several years to come.
Only a small portion. Banks spend most of their IT dollars on keeping their legacy systems up and running. Celent estimates 75.4% of the nearly $200B in annual IT spend will go to maintenance. This includes spending to keep up with new regulations, which primarily add to costs rather than revenues, the research firm says.
http://thetally.efinancialnews.com/2015/02/fn-fintech-focus-much-banks-spend-new-tech-investments/