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1、Banking Industry Framework Industry solutions for a Smarter BankHenrik Koch, Industry Solutions Executive, IBM Software GroupAgendaIntroducing IBM Industry Framework for BankingThe market demand for Banking Industry Frameworks Definitions and key benefitsIndustry Framework and Industry Solutions for

2、 Banking Corebanking ModernisationPayments and SecuritiesCustomer care & InsightIntegrated RiskFinancial Markets FrameworkClosing remarks Where to get new collateral and informationWho to contactQuestions AgendaIntroducing IBM Industry Framework for BankingThe market demand for Banking Industry Fram

3、eworks Definitions and key benefitsIndustry Framework and Industry Solutions for Banking Corebanking ModernisationPayments and SecuritiesCustomer care & InsightIntegrated RiskFinancial Markets FrameworkClosing remarks Where to get new collateral and informationWho to contactQuestionsClients value IB

4、Ms ability to deliver integrated solutions Client buying behaviors are shifting:Customers are looking for their business commitments to be met at market speed, or betterManaging project costs into bite-sized bits is now a requirementCustomers want to utilize the technology that best supports their s

5、trategy, independent of vendorOur Strategy:Combine industry assets and best practices into offerings focused on core and connected business problemsDesign for re-useIncubate an ecosystem of industry ISVs, pre-integrateBe prescriptive about a platform, emphasize best practices, better utilize our ind

6、ustry expertiseInnovation for a Smarter PlanetLevel of adoptionRepresentative IndustriesElectronicsChemicals & PetroleumHigh-Tech ManufacturingAutomotiveBankingHealthcareGovernmentFinancial MarketsInsuranceMedia & Entertainment Representative IndustriesTodayFutureCustom (Legacy) EnvironmentIntegrate

7、d Solutions ISV-dominated EnvironmentClient buying behaviors are shifting towards an integrated solution which combines existing assets and new of the shelf-servicesThe market has requested: More standardised solutions, easy to integrate and more service orientedWith a framework approach, organisati

8、ons can progressively transform to a more simplified, strategic infrastructureAchieve a simplified and agile strategic infrastructure3Pick a framework project and start rationalizing to deliver a quick ROI1Build on the value of previous projects and reuse assets2 Increasing reuse and business agilit

9、y along the way!IBM Industry Frameworks - deliver the full power of IBM software to industry solutionsIndustry Solutions CommerceB2B &CommerceEnterpriseContent ManagementEnterprise Marketing ManagementIndustry Order management Optimization & logistics CommerceMarketing Process & Demand Generation So

10、lutions Industry Frameworks& Industry Assets Essential Content Advanced Case Mgmt Content Analytics Information Lifecycle Including:Energy and Utilities Retail Government/Defense Manufacturing Health Integration Media Physical Meets DigitalCustomer Care & InsightWorkforce OptimizationFinancial Trans

11、action ManagementFinancial OperationsIBM Payments DirectorIBM Electronic Payments PlatformIndustry Solutions StructureIBM Banking Industry FrameworkInformationInsightFinancial RiskFinancial CrimesGovernance & ComplianceOperational & IT riskInteractionPayments Transaction PlatformConsumer PaymentsCom

12、mercial PaymentsCompliance & RiskArchitecture TransformationApplication ModernizationProcess Agility A Foundation for a Smarter Bank: Actionable InnovationSpeed solution deployment with foundational and domain-specific software extensions and acceleratorsIBM Banking Industry FrameworkIBM industry so

13、lutionsIntegrated Risk ManagementInformation FrameWork (IFW) & Banking Data Warehouse (BDW) Process and Data ModelsIBM FoundationalCore Banking TransformationCOGNOS Banking Performance BlueprintsCOGNOS Banking Risk Performance Credit RiskEntity Analytics and Global Name RecognitionFinance and Integr

14、ated Risk Management (FIRM) COGNOS Risk Adjusted Profitability BlueprintIntegrated Risk ManagementSOA Banking ScenariosPayments & SecuritiesWTX Industry PacksEPP AssetspureXMLTM Payments BundlesWebSphere BI for FNCorporate Payments ScenarioSolution TemplatesBanking VocabularyDesign RulesBanking Mess

15、age ModelCustomer Care & InsightCOGNOS Banking Performance BlueprintsCustomer Identification SolutionCommon Business Language Services AcceleratorBanking Data Integration AcceleratorsWebSphere Multichannel Bank Transformation ToolkitAccount Opening ScenarioCommon Shared ServicesBanking Extensions fo

16、r MDM ServerServices Component Building BlocksReference Payments Services InterfacesTimer ServicesState EnginePayments Objects User InterfaceFlow CoordinatorDevelopment Tools / MethodologyWebSphere Modeler with IFWRational Software Architect with IFWWebSphere Banking Content PackIBM Service Manageme

17、nt for IRMTheme 4: Acquisitions expand business valueBanking Industry Framework Themes behind V2IT Systemsand OperationsMerchandisingand ProductManagementStore andChannelsTheme 2: Shaped by industry software strategies and capabilitiesTheme 1: A more unified framework Core Banking TransformationCust

18、omerCare andInsightPayments & Transaction ServicesIntegrated Risk ManagementChief Marketing Officer (CMO)Theme 5: Tuned for LOB BuyerTheme 3: Incorporating key SW growth trends BAOBanking Industry Framework BenefitsA Foundation for a Smarter Bank: Actionable InnovationMitigate Risk (De-Risk)Accelera

19、te & Expedite a Successful Implementation using accellerators and competency centersReduce costFuture ProofingBacked up by IBMs long term commitment to industry standards and R&DAgendaIntroducing IBM Industry Framework for BankingThe market demand for Banking Industry Frameworks Definitions and key

20、benefitsIndustry Framework and Industry Solutions for Banking Corebanking ModernisationPayments and SecuritiesCustomer care & InsightIntegrated RiskFinancial Markets FrameworkClosing remarks Where to get new collateral and informationWho to contactQuestionsModel Driven DevelopmentBusiness process tr

21、ansformationBusiness rules and logic managementSolution Template Driven TransformationPerformance Monitoring Legacy application modernization and renovationDevelop next generation applications Replace legacy application with package solutionsData migration from legacy systems Banking reference archi

22、tectureMaster data Management Process IntegrationInformation Integration Infrastructure Management, Security & ScalabilitySimplificationComponentizationIntegrationOptimizationCollaborationSecurityResiliencyProcess AgilityApplication ModernizationArchitecture TransformationCore Banking Transformation

23、Banking Industry Framework - Core Banking Transformation ProjectsStart transforming core banking capabilities with a framework ProjectImprove profitability by expanding into new markets faster, bringing innovative products to market quickly, and differentiating pricing and terms for maximum customer

24、 satisfaction with flexible and efficient processes for account opening and management, product bundling, and dynamic relationship pricing Architecture TransformationProcess AgilityTransition from existing core banking applications in a staged and modular way with near term payback and reduced risk

25、and disruption; integrate best-of-breed application components, buy new packaged applications and integrate with enterprise systems, or build new SOA components for a customized, lower cost, and less risky approachApplication ModernizationCore Banking Transformation Project AreasTransform your core

26、banking platform, reduce operational cost and risk, and improve core banking process efficiency with projects addressing fundamental capabilities including a simplified IT infrastructure, platform scalability, enterprise-wide master data management for customer contract, and product data, and model

27、driven development to build business service componentsBusiness PartnersContent Validated on FrameworkWhat are the key drivers for banks to modernize their core banking systems? Technology DriversProduct InnovationRevenue GrowthEfficiency ImprovementRegulationsWorkforce OptimizationArchitectural Sim

28、plicityDrivers for Core Systems ModernizationM&AModularitySMEs RetiringMonitoringGlobalizationOperating CostTime To MarketCustomer CentricityBusiness DriversRegulatory DriversEnterprise LeverageAsset RationalizationShared ServicesSOAComplianceAuditingReportingFading SkillsBanks are looking at core s

29、ystems modernization in response to specific business, technology and regulatory drivers Solution Component Use: Arrangement Service Model for Client Relationship and Offer Optimisation BIS System Role 2IBM ILog Bus Rules Engine Extract & Analyse 431Group Business DevBusiness AdvisorsShared Service

30、CenterIBM Industry Process & Service Models3BIS System & Product Factory Role InfoSphere MDM Server for PIMInfoSphere MDM ServerInfoSphere MDM ServerCRM Systems Use/ConsolidateProduct Factory Role InternetMobile BankingMDM Server for PIMIBM Master Data Management Product PortfolioCollaborative Autho

31、ring Create Maintain Update Govern Deliver MDM DomainsBusiness ServicesPre-builtCustomizableData StewardshipPartyAccountProductCustomIntegrationContentDataAnalyticsInfoSphere MDM ServerMDM Custom-Built DomainsBusiness Process workflowNPIMulti-CommerceCollaborative Authoring ProductLocationSupplierOt

32、hersCatalog Mgt InfoSphere MDM Server for PIM 19Nordic BankFinancial ServicesGrowth through mergers and acquisitions had created a bank with multiple lines of business and countries that were operating with different processes and systems.Needed to streamline business ChallengeSolutionBenefitsA cros

33、s-enterprise transformation program that would ultimately streamline all business processes and integrate systemAn IT platform totally adaptive to changing business needs, embracing SOA strategy and master data managementA cross-line of business customer view to continue to grow business and improve

34、 customer satisfaction A MDM solution to enable cross-selling and up-selling, M&A integration, compliance (Basel II, MiFID) and operational efficiencyAPPROVED FOR EXTERNAL USE IBM InfoSphere MDM Server IBM InfoSphere QualityStage IBM Rational Application Developer IBM InfoSphere MDM Server for PIM I

35、BM WebSphere Application Server SWG Lab Services for implementationCustomerCare andInsightCore Banking TransformationPayments andTransaction ServicesIntegrated Risk ManagementInteractionInsightInformationBanking Industry Framework Customer Care and Insight ProjectsMulti-Channel TransformationInterac

36、tive MarketingSales and Advisory TransformationOnboarding a nd Origination OptimizationCustomer Care and ServicingCustomer Analytics Business Performance AnalyticsSingle View of CustomerCustomer Data WarehouseIntegrationOptimizationAnalyticsCollaborationSecurityResiliencyGet started with a Customer

37、Care and Insight projectInformationInsightInteractionOptimize marketing, sales and customer service processes; include single view of customer and deeper insight at the point of interaction across all channelsTransform multiple channels for improved customer experience, consistency across different

38、channels, more engaging customer dialogs, and ultimately better business resultsUnderstand customer data across all systems and build common customer data definitionsIntegrate operational customer data to achieve a enterprise single customer viewConsolidate operational and historical customer data i

39、nto a common data warehouseExtract valuable customer insight such as segmentation, value, needs, behavior, etc. from the integrated customer data to help business retain and grow its customer baseProvide the business a real-time view of performance by channel, product, customer segments, geographies

40、, campaign, etc.CC&I capabilities are the foundation for all front-office projectsCustomer Care and Insight Project AreasContent Validated on FrameworkBusiness PartnersREAL-TIME MARKETING software:Presents personalized messages in real-time during inbound interactionsPersonalization based on:Existin

41、g customer data and new information gained during the interactionOr, behavioral targeting of anonymous visitorsDesigned for easy deployment and management (“so easy a marketer can do it”)Meets the most rigorous performance requirements. Up to:1,000s of transactions per secondHalf-second average resp

42、onse timeInteractive Marketing bringing science to the art of marketing InteractiveMarketingDelivering personalized offers across channels in real timeturns inbound interactions into profitable communicationsBusiness NeedOutbound campaigns were ineffective not taking advantage of customer initiated

43、interactionsNeeded to create a single, cross-channel, relationship with each customerDisparate teams managed customer dialogsNeeded to reduce marketing costsReal ResultsRelevant, real-time campaigns drive higher response rates85M targeted offers served each day across 5 channels direct mail, email,

44、web, call center, and branches 20M increase in earnings expectedLowered direct marketing cost 35%Faster campaign cycle times: from 26 weeks per campaign to just 4 weeksInteractiveMarketing Mobile Web .mobile Web applications or content for virtually any mobile device browserNeed8,400 DevicesSolution

45、sMobile Portal AcceleratorPortal Mobile Webkit Themes Available today for iPhoneComing soon for Android, Blackberry, iPad.extend a Web experience to mobile devices for specific mobile browsers .rapidly develop & deploy web & hybrid mobile applications that have a native smart phone, look and feel.wr

46、ite once, run on many devices tablets, kiosks, web, PDA and moreWeb Experience Factory - Portal Mobile Webkit Themes- WAS 8.0 Dojo - HybridSupporting smartphone and multi-channel application capabilitiesSmartphonesWebSphere PortalWebSphereApplication ServerTabletsDesktopBrowsersUse one common set of

47、 tools, techniques, application code (models).and generate applications for multiple clientdevicesWebSphere Experience Factory.deploy to multipleplatforms.Legacy(WS / REST) Sharepoint(CMIS / REST) CRM & SQLIBM has a broad portfolio of Mobile Enablement offeringsBanking Industry Framework - Integrate

48、d Risk Management ProjectsCompliance Information Lifecycle Management Corporate Governance and Internal ControlSales and Market Conduct ComplianceRegulatory CompliancePrudential ComplianceCollaboration for Legal and ComplianceOperational Risk PlatformComprehensive Security Control, Enforcement, Mana

49、gementTrusted Identity ManagementConfiguration/Incident/Problem/Change/Release ManagementContinuous, comprehensive fault monitoringData ProtectionApplication Integrity and SecurityCustomer Screening and watch-list filteringTransaction monitoring for Suspicious Activity Case Management, Transaction b

50、locking & Suspicious Activity ReportingGet Your Risk Data in Order Risk Insight and Control Real Time Risk Insight and Control Risk OptimizationRisk Modeling and Scenario AnalysisPayments and Transaction ServicesGovernance and ComplianceOperational and IT riskFinancialRiskFinancialCrimesCore Banking

51、 TransformationCustomerCare andInsightIntegrated Risk ManagementIntegrationOptimizationAnalyticsCollaborationSecurityResiliencyStart small and grow with an Integrated Risk Management projectFinancial CrimesOperational & IT RiskGovernance & ComplianceIntegrate disparate fraud platforms to move toward

52、s real-time and proactive monitoring and improve investigations Leverage tools to identify fraudulent activity before it happensAutomate fraud prevention to reduce costsEnable monitoring of internal processes, people and systems for improve operational risk managementImplement early warning systems,

53、 IT and crises management processes and business recovery planningImprove your ability to respond to regulatory scrutinyAccurately report risk exposure Standardize and automate compliance processesGet the flexibility to respond dynamically to changing regulatory requirementsFinancial RiskConnect mar

54、ket, credit counter-party and liquidity risk to business and finance information systemsEnable risk reporting across and at different levels of the enterprise to enable better risk decision-makingIntegrated Risk Management Project AreasContent Validated on FrameworkBusiness PartnersOpen Pages, Algor

55、ithmics, SPSS, Cognos, IFW, DB2Flexible model leverages the strengths of leading technologies by adopting best of breed systems and processesConsolidates alerts across channelsConducts cross-LOB analyticsAutomates, standardizes, and documents analysis and investigationConsolidated and integrated ope

56、rational organization (where feasible) addresses customer-based alerts and enhances efficiencyGenerates improved business intelligence for executives, benefiting tactical functions and enables strategic thinkingImplements top down policy based on organization risk toleranceConsolidates accountabilit

57、y and direction of resourcesPrioritizes and manages initiativesCollaborates with other stakeholders to drive a safer businessIntegrated Financial Crimes Center of ExcellencePutting IBMs Proposed Architecture into the Context of Our Recommended Target Operating Model FinancialCrimesSolution OverviewF

58、inancialCrimesSanctions Screening and Transactions Filtering: A regulatory requirement to stop activity in real time financial transactions (wire activity) or to block opening an account, the sanctions list details the blocked entities and is updated daily.Know Your Customer: A regulatory requiremen

59、t for better customer identification and knowledge at the account opening phase. Helps preventing possible threats of AML / Fraud.Enhanced Due Diligence for High-Risk Customers: For customers deemed to pose a high-risk, the financial institute “should consider” obtaining, both at account opening and

60、 throughout the relationship. Suspicious Behavior Monitoring (AML): A regulatory requirement to detect suspicious AML transaction patterns and report it to the central bank.Case Management: Investigation tools and case management to support multiple levels of review, investigation, approvals, filing